CN112308548A - Authentication device, system, method and storage medium using the same - Google Patents

Authentication device, system, method and storage medium using the same Download PDF

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Publication number
CN112308548A
CN112308548A CN202010746823.4A CN202010746823A CN112308548A CN 112308548 A CN112308548 A CN 112308548A CN 202010746823 A CN202010746823 A CN 202010746823A CN 112308548 A CN112308548 A CN 112308548A
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Prior art keywords
transaction
authentication
information
transaction information
module
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李登峰
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Shenzhou Rongan Technology Beijing Co ltd
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Shenzhou Rongan Technology Beijing Co ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/45—Structures or tools for the administration of authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

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  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
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  • General Business, Economics & Management (AREA)
  • Computer Hardware Design (AREA)
  • Software Systems (AREA)
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Abstract

The application relates to the technical field of information processing, and provides an authentication device, a system and a method for applying the authentication device, and a storage medium, wherein the authentication device comprises: the system comprises a communication module, an authentication module, an input module and an output module; the communication module is communicated with the online bank server and is used for receiving the transaction information transmitted by the online bank server and feeding back the confirmed transaction information or the cancelled transaction information transmitted by the input module to the online bank server; the authentication module is in communication connection with the communication module and is used for receiving the transaction information transmitted by the communication module and authenticating based on the transaction information and outputting authentication result information; the output module is in communication connection with the authentication module and is used for displaying the transaction information and the authentication result information to the user; the input module is in communication connection with the communication module and is used for receiving a transaction confirmation instruction or a transaction cancellation instruction input by a user. The implementation of the application is beneficial to real-time online bank transaction authentication, and the efficiency of online bank transaction is improved.

Description

Authentication device, system, method and storage medium using the same
Technical Field
The present application relates to the field of information processing technologies, and in particular, to an authentication device, and a system, a method, and a storage medium using the authentication device.
Background
The online banking is also called online banking and online banking, and the online banking transaction refers to a process that a bank provides a plurality of transactions such as inquiring and transferring fund foreign currencies and the like for a client by utilizing an internet technology. In the process of online banking transaction, the related information of the online banking transaction needs to be authenticated in order to ensure the security of the user account.
In the prior art, an authentication system is generally composed of a server, a terminal and a terminal security device to realize authentication of online banking transactions, wherein the terminal security device may be a bluetooth key or other devices. In the authentication process of the online banking transaction, generally, a server transmits transaction information to a terminal through a network, the terminal transmits the transaction information to terminal security equipment through Bluetooth, the terminal security equipment authenticates the transaction information and then transmits an authentication result to the terminal through the Bluetooth, and the terminal transmits the authentication result to the server through the network; in the authentication process, because information needs to be transmitted between three ends, the transmission efficiency is low and the problem of delay exists; the other information transmission depends on the stability of the network and the Bluetooth communication, however, the problem of unstable network or Bluetooth communication often exists in real life, so that the online bank transaction authentication cannot be completed in real time, and the efficiency and the safety of the online bank transaction are influenced.
Disclosure of Invention
The application provides an authentication device, and a system, a method and a storage medium using the authentication device, which can solve at least one technical problem. The technical scheme is as follows:
in a first aspect, an authentication device is provided, the authentication device at least comprising: the system comprises a communication module, an authentication module, an output module and an input module; the communication module is communicated with the online bank server, and is used for receiving the transaction information transmitted by the online bank server and feeding back the confirmed transaction information or the cancelled transaction information transmitted by the input module to the online bank server; the authentication module is in communication connection with the communication module, and is used for receiving the transaction information transmitted by the communication module, authenticating based on the transaction information and outputting authentication result information; the output module is in communication connection with the authentication module and is used for displaying the transaction information and the authentication result information to a user; the input module is in communication connection with the communication module and is used for receiving a transaction confirmation instruction or a transaction cancellation instruction input by a user.
Optionally, the output module includes a display unit and/or a voice broadcast unit, the display unit includes a display, and the voice broadcast unit includes a speaker.
Optionally, the authenticating the authentication module based on the transaction information and outputting authentication result information includes: carrying out format processing on the transaction information; performing authentication processing on the transaction information after format processing based on a preset authentication strategy to obtain authentication result information; and transmitting the authentication result information to the output module.
Optionally, the communication module communicates with the internet banking server through wireless data transmission.
In a second aspect, there is provided an online banking transaction authentication system, comprising an online banking server, an online banking client and the authentication device of claim 1; the online banking server is used for receiving an online banking transaction request initiated by a user through an online banking client, transmitting transaction information determined based on the online banking transaction request to the authentication equipment, and completing an online banking transaction based on the confirmed transaction information fed back by the authentication equipment or canceling the online banking transaction based on the cancellation transaction information fed back by the authentication equipment; the authentication device is used for receiving the transaction information transmitted by the online bank server, authenticating based on the transaction information and outputting authentication result information, and displaying the authentication result information to a user and receiving a transaction confirmation instruction or a transaction cancellation instruction input by the user.
In a third aspect, there is provided an online banking transaction authentication method based on the authentication device in the first aspect, including: receiving transaction information transmitted by an online bank server, wherein the transaction information is determined by the online bank transaction server according to a request after a user initiates an online bank transaction request through an online bank client; performing authentication based on the transaction information to obtain authentication result information; displaying the transaction information and the authentication result information to a user; receiving a transaction confirmation instruction or a transaction cancellation instruction input by a user; feeding back confirmation transaction information to the online banking server based on the confirmation transaction instruction so that the online banking server completes the online banking transaction; or, feeding back transaction canceling information to the online bank server based on the transaction canceling instruction so that the online bank server cancels the online bank transaction.
Optionally, the displaying the transaction information and the authentication result information to the user includes at least one of: displaying the transaction information and the authentication result information on a display interface; and broadcasting the transaction information and the authentication result information by voice.
Optionally, the performing authentication based on the transaction information to obtain authentication result information includes: carrying out format processing on the transaction information; and authenticating the transaction information after the format processing based on a preset authentication strategy to obtain authentication result information.
In a fourth aspect, a computer-readable storage medium is provided, in which at least one instruction, at least one program, set of codes, or set of instructions is stored, which is loaded and executed by a processor to implement the method according to any of the embodiments of the first aspect and the first aspect.
The beneficial effect that technical scheme that this application provided brought is:
the authentication device in the application comprises a communication module, an authentication module, an output module and an input module; the communication module is communicated with the online bank server, can receive transaction information transmitted by the online bank server, and feeds back confirmation transaction information or cancellation transaction information to the online bank server; the authentication module can be in communication with the communication module, can receive the transaction information transmitted by the communication module, and can perform online banking transaction authentication based on the transaction information so as to output authentication result information; the output module is in communication connection with the authentication module and can display the transaction information and the authentication result information to the user; the input module is in communication connection with the communication module, can receive a transaction confirmation instruction or a transaction cancellation instruction input by a user, and transmits information to the communication module. The authentication equipment has the function of authenticating the transaction information, can directly communicate with the online bank server without depending on other equipment, reduces the requirement on the stability of communication, is favorable for authenticating the online bank transaction in real time, and improves the efficiency and the safety of the online bank transaction.
Additional aspects and advantages of the present application will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the present application.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings used in the description of the embodiments of the present application will be briefly described below.
Fig. 1 is a schematic structural diagram of an authentication device according to an embodiment of the present application;
fig. 2 is a schematic diagram of an online banking transaction authentication system according to an embodiment of the present application;
fig. 3 is a schematic flowchart illustrating an online banking transaction authentication method according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
Reference will now be made in detail to the embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary only for the purpose of explaining the present application and are not to be construed as limiting the present application.
As used herein, the singular forms "a", "an", "the" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. It will be understood that when an element is referred to as being "connected" or "coupled" to another element, it can be directly connected or coupled to the other element or intervening elements may also be present. Further, "connected" or "coupled" as used herein may include wirelessly connected or wirelessly coupled. As used herein, the term "and/or" includes all or any element and all combinations of one or more of the associated listed items.
To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.
The following describes the technical solutions of the present application and how to solve the above technical problems with specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
As shown in fig. 1, an embodiment of the present application provides an authentication apparatus 100, including: a communication module 101, an authentication module 102, an output module 103, and an input module 104.
The communication module 101 communicates with the internet bank server 200, and is used for receiving the transaction information transmitted by the internet bank server 200 and feeding back the confirmed transaction information or the cancelled transaction information transmitted by the input module to the internet bank server 200.
Optionally, the communication module 101 is configured to transmit and receive information, where the transmitting and receiving of information to and from an external device mainly includes: receiving transaction information transmitted by the online bank server 200; and feeds back the confirmed transaction information or the cancelled transaction information, namely the signature result, to the online banking server 200; in one embodiment, the authentication result information is synchronously fed back to the internet bank server 200.
The authentication module 102 is communicably connected to the communication module 101, and is configured to receive the transaction information transmitted by the communication module 101, and to perform authentication based on the transaction information and output authentication result information.
Optionally, the authentication device 100 implements authentication of the online banking transaction independently through the authentication module 102, and performs operation based on the received transaction information and the transaction related parameters to obtain authentication result information, where the authentication result information represents an account identity authentication result of the initiated transaction. In one embodiment, the authentication module 102 transmits the authentication result information to the output module 103 and the communication module 101, respectively; or the authentication module 102 transmits only the authentication result information to the output module 103, and the output module 103 transmits the authentication result information to the communication module 101.
Optionally, the authenticating module 102 performing authentication based on the transaction information and outputting authentication result information includes: carrying out format processing on the transaction information; performing authentication processing on the transaction information after format processing based on a preset authentication strategy to obtain authentication result information; the authentication result information is transmitted to the output module 101. In consideration of reducing the computational complexity of the authentication device 100 and improving the authentication efficiency, format processing of the transaction information may be completed by the online banking server 200, and after determining the initial transaction information based on the transaction request initiated by the user, the online banking server 200 converts the initial transaction information into transaction information processable by the authentication device 100 according to the data processing format of the authentication device 100 and transmits the transaction information to the authentication device 100. The preset authentication strategy mainly relates to calling parameters related to transaction information to calculate the currently received transaction information so as to authenticate the identity of an account initiating an online banking transaction request; in an embodiment, for example, when the online banking transaction is a transfer, the transaction information includes not only the transfer-out account information, the transfer amount, the transfer mode, the transfer-in account information, and the like, but also account information for initiating the transfer transaction.
The output module 103 is communicably connected to the authentication module 102, and is configured to display the transaction information and the authentication result information to the user.
Optionally, the output module 104 includes a display unit and/or a voice broadcast unit; wherein the display element includes the display, and the voice broadcast unit includes the speaker. When the transaction information and the authentication result information are displayed to the user through the display unit, the transaction information can be displayed on the display interface so that the user can read the transaction information conveniently, and the authentication result information can send prompt information to the user through the indicator light, the background color of the display interface, text information and the like. When the transaction information and the authentication result information are displayed to the user through the voice broadcasting unit, the transaction information can be broadcasted in a voice mode, and meanwhile, the voice of long-time sound, short-time sound, intermittent broadcasting and the like is sent to prompt information of the authentication result information to the user.
The input module 104 is communicatively connected to the communication module 101, and is configured to receive a transaction confirmation instruction or a transaction cancellation instruction input by a user.
Optionally, the input module 104 and the output module 103 share the same display interface, and the user may directly trigger the related function control to initiate a transaction confirmation instruction or a transaction cancellation instruction on a page displayed on the display interface. In one embodiment, the input module 104 includes a physical control that the user inputs to the authentication device 100 a confirm transaction instruction or a cancel transaction instruction by pressing.
Optionally, the communication module 101 communicates with the online bank server 200 through wireless data transmission, for example, the two transmit information through WIFI.
Optionally, the communication module 101, the authentication module 102, the output module 103, and the input module 104 may be directly or indirectly connected to each other in a wired or wireless manner, and the application is not limited herein.
Optionally, the authentication device 100 further comprises a power module for providing operating power to other respective modules.
The authentication equipment has the function of authenticating the transaction information, can directly communicate with the online bank server without depending on other equipment, reduces the requirement on the stability of communication, is favorable for authenticating the online bank transaction in real time, and improves the efficiency and the safety of the online bank transaction.
Based on the same inventive concept, the embodiment of the present application further provides an online banking transaction authentication system, specifically, as shown in fig. 2, including an authentication device 100, an online banking server 200, and an online banking client 300; the online banking server 200 may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server providing basic cloud computing services such as a cloud service, a cloud database, cloud computing, a cloud function, cloud storage, a network service, cloud communication, a middleware service, a domain name service, a security service, a CDN, a big data and artificial intelligence platform, and the like. The internet bank client 300 may be, but is not limited to, a smart phone, a tablet computer, a notebook computer, a desktop computer, a smart speaker, a smart watch, and the like. The internet bank client 300 and the internet bank server 200 may be directly or indirectly connected through wired or wireless communication, and the application is not limited herein.
The online banking server 200 is configured to receive an online banking transaction request initiated by a user through the online banking client 300, transmit transaction information determined based on the online banking transaction request to the authentication device 100, and complete an online banking transaction based on transaction confirmation information fed back by the authentication device 100 or cancel the online banking transaction based on transaction cancellation information fed back by the authentication device; the authentication device 100 is used for receiving the transaction information transmitted by the internet bank server 200, authenticating based on the transaction information, outputting authentication result information, and displaying the authentication result information to the user and receiving a transaction confirmation instruction or a transaction cancellation instruction input by the user.
Optionally, the authentication device 100 further feeds back authentication result information, which is output by authentication based on the transaction information, to the online banking server 200.
Based on the same inventive concept, as shown in fig. 3, an embodiment of the present application further provides an online banking transaction authentication method based on an authentication device, including:
s301: and receiving transaction information transmitted by the online bank server, wherein the transaction information is determined by the online bank transaction server according to a request after a user initiates an online bank transaction request through an online bank client.
Optionally, after the user initiates the online banking transaction request through the online banking client, before the online banking server achieves the online banking transaction, the current online banking transaction needs to be authenticated through the authentication device, specifically: and the online bank server determines related transaction information according to the currently initiated online bank transaction request and transmits the transaction information to the authentication equipment so as to be authenticated by the authentication equipment based on the transaction information. The online bank transaction request carries information related to the transaction, such as transaction mode, transaction amount, transaction-related account information and the like.
S302: and performing authentication based on the transaction information to obtain authentication result information.
Optionally, performing authentication based on the transaction information to obtain authentication result information, including: carrying out format processing on the transaction information; and authenticating the transaction information after the format processing based on a preset authentication strategy to obtain authentication result information. In one embodiment, the format processing of the transaction information is completed by the internet bank server, and the transaction information received by the authentication device is information capable of being directly processed.
S303: and displaying the transaction information and the authentication result information to a user.
Optionally, the transaction information and the authentication result information are presented to a user, and include at least one of the following: displaying the transaction information and the authentication result information on a display interface; and broadcasting the transaction information and the authentication result information by voice. In an embodiment, the authentication result information represents a result of identity authentication of an account initiating the online banking transaction by the current authentication device.
S304: and receiving a transaction confirmation instruction or a transaction cancellation instruction input by a user.
Optionally, in order to improve the efficiency of the online banking transaction, after the authentication device performs authentication, the user may directly initiate a transaction confirmation instruction to complete the signature of the current transaction ticket if the user confirms the current transaction information and the authentication result information without errors. In one embodiment, even if the authentication result information output by the authentication device indicates that the current authentication is passed, the user can still initiate a cancel transaction instruction in the authentication device to interrupt the current online banking transaction.
S305: feeding back confirmation transaction information to the online banking server based on the confirmation transaction instruction so that the online banking server completes the online banking transaction; or, feeding back transaction canceling information to the online bank server based on the transaction canceling instruction so that the online bank server cancels the online bank transaction.
Optionally, when the confirmed transaction information is fed back to the online banking server, the authentication result information is also synchronously fed back to the online banking server, the online banking server performs verification by combining the authentication result information and the confirmed transaction information to achieve online banking transaction, and the information that the online banking transaction is successful is fed back to the online banking client.
Optionally, when the transaction canceling information is fed back to the online bank server, the authentication result information is also fed back to the online bank server synchronously, the online bank server verifies the transaction canceling information by combining the authentication result information with the transaction canceling information, and if the current authentication result information is authentication failure, the online bank server directly stops online bank transaction; and if the current authentication result information is that the authentication is passed, the online bank server interrupts the online bank transaction and provides an inquiry whether to confirm the stopping of the online bank transaction to the online bank client, and when the online bank client further confirms the stopping of the online bank transaction information, the online bank server stops the online bank transaction. The embodiment of the application is beneficial to further improving the safety of the online bank transaction.
Optionally, the authentication device communicates with the online bank server through wireless data transmission, and the authentication device is provided with an interface to communicate with the online bank server.
In the authentication device provided by the embodiment of the present application, the authentication device belongs to one of electronic devices, and the electronic devices may include but are not limited to: a processor and a memory; a memory for storing computer operating instructions; and the processor is used for executing the online bank transaction authentication method shown in the embodiment by calling the computer operation instruction. As shown in fig. 4, the electronic apparatus 4000 shown in fig. 4 includes: a processor 4001 and a memory 4003. Processor 4001 is coupled to memory 4003, such as via bus 4002. Optionally, the electronic device 4000 may further comprise a transceiver 4004. In addition, the transceiver 4004 is not limited to one in practical applications, and the structure of the electronic device 4000 is not limited to the embodiment of the present application.
The Processor 4001 may be a CPU (Central Processing Unit), a general-purpose Processor, a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array) or other Programmable logic device, a transistor logic device, a hardware component, or any combination thereof. Which may implement or perform the various illustrative logical blocks, modules, and circuits described in connection with the disclosure. The processor 4001 may also be a combination that performs a computational function, including, for example, a combination of one or more microprocessors, a combination of a DSP and a microprocessor, or the like. The processor 4001 executes the online banking transaction authentication method shown in the above-mentioned embodiment by calling a computer operation instruction.
Bus 4002 may include a path that carries information between the aforementioned components. The bus 4002 may be a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus 4002 may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown in FIG. 4, but this does not indicate only one bus or one type of bus.
The Memory 4003 may be a ROM (Read Only Memory) or other types of static storage devices that can store static information and instructions, a RAM (Random Access Memory) or other types of dynamic storage devices that can store information and instructions, an EEPROM (Electrically Erasable Programmable Read Only Memory), a CD-ROM (Compact Disc Read Only Memory) or other optical Disc storage, optical Disc storage (including Compact Disc, laser Disc, optical Disc, digital versatile Disc, blu-ray Disc, etc.), a magnetic Disc storage medium or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer, but is not limited to these.
The memory 4003 is used for storing application codes for executing the scheme of the present application, and the execution is controlled by the processor 4001. Processor 4001 is configured to execute application code stored in memory 4003 to implement what is shown in the foregoing method embodiments.
Among them, electronic devices include but are not limited to: mobile terminals such as mobile phones, notebook computers, digital broadcast receivers, PDAs (personal digital assistants), PADs (tablet computers), PMPs (portable multimedia players), in-vehicle terminals (e.g., in-vehicle navigation terminals), and the like, and fixed terminals such as digital TVs, desktop computers, and the like. The electronic device shown in fig. 4 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present application.
According to an aspect of the application, a computer program product or computer program is provided, comprising computer instructions, the computer instructions being stored in a computer readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and executes the computer instructions, so that the computer device executes the online banking transaction authentication method provided in the various optional implementation modes.
The present application provides a computer-readable storage medium, on which a computer program is stored, which, when running on a computer, enables the computer to execute the corresponding content in the foregoing method embodiments.
It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and may be performed in other orders unless explicitly stated herein. Moreover, at least a portion of the steps in the flow chart of the figure may include multiple sub-steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
It should be noted that the computer readable medium mentioned above in the present application may be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present application, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In this application, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: electrical wires, optical cables, RF (radio frequency), etc., or any suitable combination of the foregoing.
The computer readable medium may be embodied in the electronic device; or may exist separately without being assembled into the electronic device.
The computer readable medium carries one or more programs which, when executed by the electronic device, cause the electronic device to perform the methods shown in the above embodiments.
Computer program code for carrying out operations for aspects of the present application may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present application may be implemented by software or hardware. Wherein the name of a module in some cases does not constitute a limitation on the module itself.
The above description is only a preferred embodiment of the application and is illustrative of the principles of the technology employed. It will be appreciated by those skilled in the art that the scope of the disclosure herein is not limited to the particular combination of features described above, but also encompasses other arrangements formed by any combination of the above features or their equivalents without departing from the spirit of the disclosure. For example, the above features may be replaced with (but not limited to) features having similar functions disclosed in the present application.

Claims (10)

1. An authentication device, characterized in that the authentication device comprises at least: the system comprises a communication module, an authentication module, an output module and an input module;
the communication module is communicated with the online bank server, and is used for receiving the transaction information transmitted by the online bank server and feeding back the confirmed transaction information or the cancelled transaction information transmitted by the input module to the online bank server;
the authentication module is in communication connection with the communication module, and is used for receiving the transaction information transmitted by the communication module, authenticating based on the transaction information and outputting authentication result information;
the output module is in communication connection with the authentication module and is used for displaying the transaction information and the authentication result information to a user;
the input module is in communication connection with the communication module and is used for receiving a transaction confirmation instruction or a transaction cancellation instruction input by a user.
2. The authentication device of claim 1, wherein the output module comprises a display unit and/or a voice broadcast unit, the display unit comprising a display, the voice broadcast unit comprising a speaker.
3. The authentication device of claim 1, wherein the authentication module authenticating based on the transaction information and outputting authentication result information comprises:
carrying out format processing on the transaction information;
performing authentication processing on the transaction information after format processing based on a preset authentication strategy to obtain authentication result information;
and transmitting the authentication result information to the output module.
4. The authentication device of claim 1, wherein the communication module communicates with the online banking server via wireless data transmission.
5. An online banking transaction authentication system, which is characterized by comprising an online banking server, an online banking client and the authentication device according to claim 1;
the online banking server is used for receiving an online banking transaction request initiated by a user through an online banking client, transmitting transaction information determined based on the online banking transaction request to the authentication equipment, and completing an online banking transaction based on the confirmed transaction information fed back by the authentication equipment or canceling the online banking transaction based on the cancellation transaction information fed back by the authentication equipment;
the authentication device is used for receiving the transaction information transmitted by the online bank server, authenticating based on the transaction information and outputting authentication result information, and displaying the authentication result information to a user and receiving a transaction confirmation instruction or a transaction cancellation instruction input by the user.
6. An online banking transaction authentication method based on the authentication device of claim 1, comprising:
receiving transaction information transmitted by an online bank server, wherein the transaction information is determined by the online bank transaction server according to a request after a user initiates an online bank transaction request through an online bank client;
performing authentication based on the transaction information to obtain authentication result information;
displaying the transaction information and the authentication result information to a user;
receiving a transaction confirmation instruction or a transaction cancellation instruction input by a user;
feeding back confirmation transaction information to the online banking server based on the confirmation transaction instruction so that the online banking server completes the online banking transaction; or, feeding back transaction canceling information to the online bank server based on the transaction canceling instruction so that the online bank server cancels the online bank transaction.
7. The method of claim 6, wherein the presenting the transaction information and the authentication result information to the user comprises at least one of:
displaying the transaction information and the authentication result information on a display interface;
and broadcasting the transaction information and the authentication result information by voice.
8. The method of claim 6, wherein the authenticating based on the transaction information and obtaining authentication result information comprises:
carrying out format processing on the transaction information;
and authenticating the transaction information after the format processing based on a preset authentication strategy to obtain authentication result information.
9. The method of claim 6, wherein the authentication device communicates with the online banking server via wireless data transmission.
10. A computer readable storage medium, characterized in that it stores at least one instruction, at least one program, set of codes, or set of instructions, which is loaded and executed by a processor to implement the method according to any one of claims 6-9.
CN202010746823.4A 2020-07-29 2020-07-29 Authentication device, system, method and storage medium using the same Pending CN112308548A (en)

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103793819A (en) * 2012-10-31 2014-05-14 天地融科技股份有限公司 Transaction system, transaction method, electronic signature tool and network bank server authentication method
US20140330689A1 (en) * 2013-05-02 2014-11-06 Angel Hoi Ling Wong System and Method for Verifying Online Banking Account Identity Using Real-Time Communication and Digital Certificate
CN108229956A (en) * 2017-12-13 2018-06-29 北京握奇智能科技有限公司 Network bank business method, apparatus, system and mobile terminal
CN108711055A (en) * 2018-05-03 2018-10-26 中国工商银行股份有限公司 A kind of safety certifying method, safety certificate equipment and system

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103793819A (en) * 2012-10-31 2014-05-14 天地融科技股份有限公司 Transaction system, transaction method, electronic signature tool and network bank server authentication method
US20140330689A1 (en) * 2013-05-02 2014-11-06 Angel Hoi Ling Wong System and Method for Verifying Online Banking Account Identity Using Real-Time Communication and Digital Certificate
CN108229956A (en) * 2017-12-13 2018-06-29 北京握奇智能科技有限公司 Network bank business method, apparatus, system and mobile terminal
CN108711055A (en) * 2018-05-03 2018-10-26 中国工商银行股份有限公司 A kind of safety certifying method, safety certificate equipment and system

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