CN113242551A - Mobile banking login verification method and device - Google Patents
Mobile banking login verification method and device Download PDFInfo
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- CN113242551A CN113242551A CN202110636324.4A CN202110636324A CN113242551A CN 113242551 A CN113242551 A CN 113242551A CN 202110636324 A CN202110636324 A CN 202110636324A CN 113242551 A CN113242551 A CN 113242551A
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- 238000012795 verification Methods 0.000 title claims abstract description 216
- 238000000034 method Methods 0.000 title claims abstract description 45
- 238000004590 computer program Methods 0.000 claims description 16
- 238000012545 processing Methods 0.000 claims description 6
- 230000000977 initiatory effect Effects 0.000 claims description 4
- 230000008569 process Effects 0.000 abstract description 6
- 238000010586 diagram Methods 0.000 description 14
- 238000005516 engineering process Methods 0.000 description 4
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- 238000013475 authorization Methods 0.000 description 3
- 238000010295 mobile communication Methods 0.000 description 3
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
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- 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
- G06F21/46—Structures or tools for the administration of authentication by designing passwords or checking the strength of passwords
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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
- G06Q20/40—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
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/2133—Verifying human interaction, e.g., Captcha
Abstract
The invention discloses a mobile banking login verification method and device, which can be used in the technical field of mobile interconnection, wherein the method comprises the following steps: receiving a verification code request sent by a mobile banking background management system, wherein the verification code request is sent by the mobile banking background management system when a user terminal logs in a mobile banking; generating verification code information according to the verification code request; sending the verification code information to a user terminal in a 5G message form; receiving to-be-verified information fed back by a user terminal in a 5G message form according to the verification code information, wherein the to-be-verified information comprises: the method comprises the following steps of (1) enabling IMEI number of a mobile phone, geographic position information, face feature information and lip language video information to be displayed; determining a verification result according to the information to be verified and preset weight information; and sending the verification result to a mobile banking background management system. The invention can carry out the login verification of the mobile phone bank, simplify the operation process, improve the experience of the user and improve the login safety.
Description
Technical Field
The invention relates to the technical field of mobile internet, in particular to a mobile banking login verification method and device.
Background
Login verification is usually required when logging in a mobile phone bank. The traditional mode of logging in the mobile phone bank by the short message verification code has the condition that the verification code is not logged in by the user when being stolen, and the verification code generally consists of 4-8 digits and is easy to crack. When the mobile phone is lost or the SIM card is copied, the security risk problems of fund stealing and the like caused by the fact that other people use the owner mobile phone or copy the SIM card to carry out mobile phone bank login exist.
Therefore, a mobile banking login verification scheme that can overcome the above problems is needed.
Disclosure of Invention
The embodiment of the invention provides a mobile banking login verification method, which is used for performing mobile banking login verification, simplifying the operation process, improving the user experience and improving the login safety, and comprises the following steps:
receiving a verification code request sent by a mobile banking background management system, wherein the verification code request is sent by the mobile banking background management system when a user terminal logs in a mobile banking;
generating verification code information according to the verification code request;
sending the verification code information to a user terminal in a 5G message form;
receiving to-be-verified information fed back by a user terminal in a 5G message form according to the verification code information, wherein the to-be-verified information comprises: the method comprises the following steps of (1) enabling IMEI number of a mobile phone, geographic position information, face feature information and lip language video information to be displayed;
determining a verification result according to the information to be verified and preset weight information;
and sending the verification result to a mobile banking background management system.
The embodiment of the invention provides a mobile banking login verification device, which is used for performing mobile banking login verification, simplifying the operation process, improving the user experience and the login safety, and comprises the following components:
the system comprises a request receiving module, a verification code processing module and a verification code sending module, wherein the request receiving module is used for receiving a verification code request sent by a mobile banking background management system, and the verification code request is sent by the mobile banking background management system when a user terminal logs in a mobile banking;
the information generation module is used for generating verification code information according to the verification code request;
the information sending module is used for sending the verification code information to the user terminal in a 5G message form;
an information feedback module, configured to receive to-be-verified information fed back by a user terminal in a 5G message form according to the verification code information, where the to-be-verified information includes: the method comprises the following steps of (1) enabling IMEI number of a mobile phone, geographic position information, face feature information and lip language video information to be displayed;
the result determining module is used for determining a verification result according to the information to be verified and preset weight information;
and the result sending module is used for sending the verification result to a mobile banking background management system.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the mobile banking login verification method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the mobile banking login verification method.
The embodiment of the invention receives a verification code request sent by a mobile banking background management system, wherein the verification code request is sent by the mobile banking background management system when a user terminal logs in a mobile banking; generating verification code information according to the verification code request; sending the verification code information to a user terminal in a 5G message form; receiving to-be-verified information fed back by a user terminal in a 5G message form according to the verification code information, wherein the to-be-verified information comprises: the method comprises the following steps of (1) enabling IMEI number of a mobile phone, geographic position information, face feature information and lip language video information to be displayed; determining a verification result according to the information to be verified and preset weight information; and sending the verification result to a mobile banking background management system. According to the embodiment of the invention, when a user needs to log in a mobile phone bank, a verification code request sent by a mobile phone bank background management system is received and verification code information is generated, the verification code information is sent to the user terminal in a 5G message form, the information to be verified fed back by the user terminal in the 5G message form according to the verification code information is received, the user does not need to manually input the verification code for verification, the verification can be completed by directly feeding back in the 5G message form, the operation is simple, the information to be verified comprises a mobile phone IMEI number, geographic position information, face characteristic information and lip language video information, the fact that the logged-in user is the user can be ensured through multiple verifications and the combination of preset weight information, and the safety of bank app is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a schematic diagram of a mobile banking login verification method according to an embodiment of the present invention;
FIG. 2 is a diagram illustrating a method for generating verification code information according to an embodiment of the present invention;
fig. 3 is a schematic diagram of a method for feeding back information to be verified in the embodiment of the present invention;
FIG. 4 is a diagram of a mobile banking login verification apparatus according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
First, terms appearing in the embodiments of the present invention are introduced:
5G: the 5th Generation mobile communication technology (english: 5th Generation mobile networks or 5th Generation wireless systems, 5th-Generation, 5G or 5G technology for short) is the latest Generation cellular mobile communication technology, and is also an extension following 4G (LTE-A, WiMax), 3G (UMTS, LTE) and 2G (gms) systems. The performance goals of 5G are high data rates, reduced latency, energy savings, reduced cost, increased system capacity, and large-scale device connectivity.
5G message: the 5G message is the upgrade of the short message service, is a basic telecommunication service of an operator, realizes the leap of service experience based on the IP technology, and has more supported media formats and richer expression forms.
IMEI: the International Mobile Equipment Identity (IMEI), which is commonly called a Mobile phone serial number and a Mobile phone "serial number," is used to identify Mobile communication Equipment such as each independent Mobile phone in a Mobile phone network, and is equivalent to an Identity card of a Mobile phone.
As described above, the conventional method for logging in the mobile banking app by using the short message verification code has the condition that the user does not log in the mobile banking app when the verification code is stolen. And the verification code is generally composed of 4-8 digits and is easy to crack. When the mobile phone is lost or the SIM card is copied, the security risk problems of fund stealing and the like caused by the fact that other people use the owner mobile phone or copy the SIM card to log in the bank app exist.
In order to perform mobile banking login verification, simplify an operation process, improve user experience and improve login security, an embodiment of the present invention provides a mobile banking login verification method, which, as shown in fig. 1, may include:
102, generating verification code information according to the verification code request;
103, sending the verification code information to a user terminal in a 5G message form;
105, determining a verification result according to the information to be verified and preset weight information;
and step 106, sending the verification result to a mobile banking background management system.
As shown in fig. 1, it can be known that, in the embodiment of the present invention, a verification code request sent by a mobile banking background management system is received, where the verification code request is sent by the mobile banking background management system when a user terminal logs in a mobile banking; generating verification code information according to the verification code request; sending the verification code information to a user terminal in a 5G message form; receiving to-be-verified information fed back by a user terminal in a 5G message form according to the verification code information, wherein the to-be-verified information comprises: the method comprises the following steps of (1) enabling IMEI number of a mobile phone, geographic position information, face feature information and lip language video information to be displayed; determining a verification result according to the information to be verified and preset weight information; and sending the verification result to a mobile banking background management system. According to the embodiment of the invention, when a user needs to log in a mobile phone bank, a verification code request sent by a mobile phone bank background management system is received and verification code information is generated, the verification code information is sent to the user terminal in a 5G message form, the information to be verified fed back by the user terminal in the 5G message form according to the verification code information is received, the user does not need to manually input the verification code for verification, the verification can be completed by directly feeding back in the 5G message form, the operation is simple, the information to be verified comprises a mobile phone IMEI number, geographic position information, face characteristic information and lip language video information, the fact that the logged-in user is the user can be ensured through multiple verifications and the combination of preset weight information, and the safety of bank app is improved.
In the embodiment, a verification code request sent by a mobile banking background management system is received, wherein the verification code request is sent by the mobile banking background management system when a user terminal logs in a mobile banking; and generating verification code information according to the verification code request.
In this embodiment, as shown in fig. 2, generating the verification code information according to the verification code request includes:
In specific implementation, a user logs in an account through a bank mobile phone APP, and clicks to obtain a verification code after inputting a mobile phone number; the bank mobile phone app front end sends a request for acquiring the verification code to a mobile phone bank background management system according to the instruction; the mobile banking background management system sends a verification code request to the mobile banking login verification device according to the request; and the mobile banking login verification device generates verification code information according to the received request. The verification code content is composed of characters and numbers, a Chinese character library of 500 common Chinese characters is established in advance, the numbers are 0-9, 10 numbers in total are obtained, the number library is obtained, random extraction and arrangement are carried out, and a corresponding 6-bit verification code is generated, for example: white, 3, 8, hand, Ding, 0.
In the embodiment, the verification code information is sent to the user terminal in a 5G message form; receiving to-be-verified information fed back by a user terminal in a 5G message form according to the verification code information, wherein the to-be-verified information comprises: the IMEI number of the mobile phone, the geographic position information, the face feature information and the lip language video information.
In this embodiment, as shown in fig. 3, the information to be verified is fed back according to the verification code information as follows:
In specific implementation, when the user clicks the 5G message, the mobile phone equipment information, the geographic position and the camera authority application can be obtained, the 5G message verification can be started only after the user clicks the authorization, and if the user does not allow the authorization, the normal short message verification code flow is carried out; after a user clicks authorization, a background automatically acquires the IMEI number and the current position of the mobile phone, and calls a front camera of the mobile phone to start recording, at the moment, a screen of the mobile phone can display a section of verification code, when the user faces the screen, the camera captures the appearance of the user, the user reads the verification code aloud, and finally the IMEI number, the current position of the mobile phone, the appearance of the user and the lip reading video of the user are sent to a 5G message verification center together.
In the embodiment, a verification result is determined according to the information to be verified and preset weight information; and sending the verification result to a mobile banking background management system.
In this embodiment, determining a verification result according to the information to be verified and preset weight information includes:
verifying the IMEI number of the mobile phone by utilizing a pre-established mobile phone number library to obtain a first result;
verifying the geographical position information by utilizing a pre-established standing address library to obtain a second result;
verifying the face feature information by using an identity card photo of the user to obtain a third result;
verifying the lip language video information by using verification code information to obtain a fourth result;
and determining a verification result according to the first result, the second result, the third result, the fourth result and preset corresponding weight information.
When the method is implemented specifically, after the mobile banking login verification device receives a message sent by a user, the message is verified, and the verification elements comprise: 1. the IMEI number of the mobile phone is 10 percent; 2. a ground position, weight 10%; 3. the face characteristics of the user are 40% in weight; 4. the user reads the lip language video of the verification code with the weight of 40%. Then the mobile banking login authentication device authenticates the four items of content respectively: 1. judging whether the IMEI number of the mobile phone is a common mobile phone or not; 2. judging whether the current geographical position is a place of daily living; 3. comparing the appearance of the user with the identity card picture preset in the background, and judging whether the user is the user; 4. and comparing the lip language of the user with the verification content, and judging whether the lip language is consistent with the verification code. When the verification result is 60% correct, the verification is passed. And returning the verification result to the mobile banking background management system. And the mobile phone bank background management system returns the verification result to the mobile phone app interface according to the verification result, and the user finishes login.
According to the mobile phone bank login verification scheme provided by the embodiment of the invention, when a user A needs to log in a bank app, a mobile phone number is input, a verification code is obtained by clicking, a foreground instruction is received by a bank app background through preset setting, a 5G message containing the verification code is generated by a mobile phone bank login verification device and sent to a mobile phone end of the user, the user opens the 5G message, records a video and records a lip language of the verification code, meanwhile, mobile phone equipment information and an address position of the user are automatically obtained, a 5G message is generated together and sent to the mobile phone bank login verification device for verification, and meanwhile, the user jumps back to the bank app. And after the mobile phone bank login verification device judges that the verification code, the biological characteristics of the user and the geographic position in the 5G message pass verification, the verification result is returned to the bank mobile phone app background, and the background finishes login and returns to the front end of the bank mobile phone app according to the result. In the whole verification process, the user only needs to obtain the 5G verification code message and record the video reply, the 5G message automatically completes the jump back to the app and sends the verification result to the app server, and then login can be completed. The user does not need to manually input the verification code for verification, and the verification can be completed by directly replying the 5G verification code message, so that the operation is simple; the verification information not only contains the verification code, but also contains the biological characteristics, equipment information, geographical position information and the like of the user, so that the login user is ensured to be the user, and the safety of the bank app is improved.
Based on the same inventive concept, the embodiment of the invention also provides a mobile banking login verification device, as described in the following embodiments. Because the principles for solving the problems are similar to the mobile banking login verification method, the implementation of the device can refer to the implementation of the method, and repeated details are not repeated.
Fig. 4 is a structural diagram of a mobile banking login verification apparatus according to an embodiment of the present invention, as shown in fig. 4, the apparatus includes:
a request receiving module 401, configured to receive a verification code request sent by a mobile banking background management system, where the verification code request is sent by the mobile banking background management system when a user terminal logs in a mobile banking;
an information generating module 402, configured to generate verification code information according to the verification code request;
an information sending module 403, configured to send the verification code information to a user terminal in a 5G message form;
an information feedback module 404, configured to receive to-be-verified information fed back by the user terminal in a 5G message form according to the verification code information, where the to-be-verified information includes: the method comprises the following steps of (1) enabling IMEI number of a mobile phone, geographic position information, face feature information and lip language video information to be displayed;
a result determining module 405, configured to determine a verification result according to the information to be verified and preset weight information;
and the result sending module 406 is configured to send the verification result to the mobile banking background management system.
In one embodiment, the information generating module 402 is further configured to:
after receiving a verification code request, randomly extracting a first preset number of characters from a pre-established Chinese character library, and extracting a second preset number of digits from a pre-established digit library;
and randomly arranging the characters with the first preset number and the numbers with the second preset number to obtain verification code information.
In one embodiment, the information to be verified is fed back according to the verification code information as follows:
when a user clicks verification code information in a 5G message form, initiating an authority application, wherein the authority application comprises the following steps: the method comprises the following steps of applying for information authority of the mobile phone device, applying for geographic position information authority and applying for camera authority;
after the user authorizes the authority application, the IMEI number, the geographic position information, the face feature information and the lip language video information of the mobile phone are obtained, and the face feature information and the lip language video information are obtained after the user shoots by calling a camera to read the verification code information.
In one embodiment, the result determination module 405 is further configured to:
verifying the IMEI number of the mobile phone by utilizing a pre-established mobile phone number library to obtain a first result;
verifying the geographical position information by utilizing a pre-established standing address library to obtain a second result;
verifying the face feature information by using an identity card photo of the user to obtain a third result;
verifying the lip language video information by using verification code information to obtain a fourth result;
and determining a verification result according to the first result, the second result, the third result, the fourth result and preset corresponding weight information.
In summary, in the embodiments of the present invention, a verification code request sent by a mobile banking background management system is received, where the verification code request is sent by the mobile banking background management system when a user terminal performs mobile banking login; generating verification code information according to the verification code request; sending the verification code information to a user terminal in a 5G message form; receiving to-be-verified information fed back by a user terminal in a 5G message form according to the verification code information, wherein the to-be-verified information comprises: the method comprises the following steps of (1) enabling IMEI number of a mobile phone, geographic position information, face feature information and lip language video information to be displayed; determining a verification result according to the information to be verified and preset weight information; and sending the verification result to a mobile banking background management system. According to the embodiment of the invention, when a user needs to log in a mobile phone bank, a verification code request sent by a mobile phone bank background management system is received and verification code information is generated, the verification code information is sent to the user terminal in a 5G message form, the information to be verified fed back by the user terminal in the 5G message form according to the verification code information is received, the user does not need to manually input the verification code for verification, the verification can be completed by directly feeding back in the 5G message form, the operation is simple, the information to be verified comprises a mobile phone IMEI number, geographic position information, face characteristic information and lip language video information, the fact that the logged-in user is the user can be ensured through multiple verifications and the combination of preset weight information, and the safety of bank app is improved.
Based on the aforementioned inventive concept, as shown in fig. 5, the present invention further provides a computer device 500, which includes a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and executable on the processor 520, wherein the processor 520 executes the computer program 530 to implement the aforementioned method for authenticating a mobile banking login.
Based on the foregoing inventive concept, the present invention provides a computer-readable storage medium storing a computer program, which when executed by a processor implements the foregoing mobile banking login authentication method.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (10)
1. A mobile banking login verification method is characterized by comprising the following steps:
receiving a verification code request sent by a mobile banking background management system, wherein the verification code request is sent by the mobile banking background management system when a user terminal logs in a mobile banking;
generating verification code information according to the verification code request;
sending the verification code information to a user terminal in a 5G message form;
receiving to-be-verified information fed back by a user terminal in a 5G message form according to the verification code information, wherein the to-be-verified information comprises: the method comprises the following steps of (1) enabling IMEI number of a mobile phone, geographic position information, face feature information and lip language video information to be displayed;
determining a verification result according to the information to be verified and preset weight information;
and sending the verification result to a mobile banking background management system.
2. The mobile banking login authentication method of claim 1, wherein generating authentication code information according to the authentication code request comprises:
after receiving a verification code request, randomly extracting a first preset number of characters from a pre-established Chinese character library, and extracting a second preset number of digits from a pre-established digit library;
and randomly arranging the characters with the first preset number and the numbers with the second preset number to obtain verification code information.
3. The mobile banking login authentication method of claim 1, wherein the information to be authenticated is fed back according to the authentication code information as follows:
when a user clicks verification code information in a 5G message form, initiating an authority application, wherein the authority application comprises the following steps: the method comprises the following steps of applying for information authority of the mobile phone device, applying for geographic position information authority and applying for camera authority;
after the user authorizes the authority application, the IMEI number, the geographic position information, the face feature information and the lip language video information of the mobile phone are obtained, and the face feature information and the lip language video information are obtained after the user shoots by calling a camera to read the verification code information.
4. The mobile banking login authentication method as claimed in claim 1, wherein determining an authentication result according to the information to be authenticated and preset weight information comprises:
verifying the IMEI number of the mobile phone by utilizing a pre-established mobile phone number library to obtain a first result;
verifying the geographical position information by utilizing a pre-established standing address library to obtain a second result;
verifying the face feature information by using an identity card photo of the user to obtain a third result;
verifying the lip language video information by using verification code information to obtain a fourth result;
and determining a verification result according to the first result, the second result, the third result, the fourth result and preset corresponding weight information.
5. A mobile banking login verification device is characterized by comprising:
the system comprises a request receiving module, a verification code processing module and a verification code sending module, wherein the request receiving module is used for receiving a verification code request sent by a mobile banking background management system, and the verification code request is sent by the mobile banking background management system when a user terminal logs in a mobile banking;
the information generation module is used for generating verification code information according to the verification code request;
the information sending module is used for sending the verification code information to the user terminal in a 5G message form;
an information feedback module, configured to receive to-be-verified information fed back by a user terminal in a 5G message form according to the verification code information, where the to-be-verified information includes: the method comprises the following steps of (1) enabling IMEI number of a mobile phone, geographic position information, face feature information and lip language video information to be displayed;
the result determining module is used for determining a verification result according to the information to be verified and preset weight information;
and the result sending module is used for sending the verification result to a mobile banking background management system.
6. The mobile banking login authentication device of claim 5, wherein the information generating module is further to:
after receiving a verification code request, randomly extracting a first preset number of characters from a pre-established Chinese character library, and extracting a second preset number of digits from a pre-established digit library;
and randomly arranging the characters with the first preset number and the numbers with the second preset number to obtain verification code information.
7. The mobile banking login authentication device as claimed in claim 5, wherein the information to be authenticated is fed back according to the authentication code information as follows:
when a user clicks verification code information in a 5G message form, initiating an authority application, wherein the authority application comprises the following steps: the method comprises the following steps of applying for information authority of the mobile phone device, applying for geographic position information authority and applying for camera authority;
after the user authorizes the authority application, the IMEI number, the geographic position information, the face feature information and the lip language video information of the mobile phone are obtained, and the face feature information and the lip language video information are obtained after the user shoots by calling a camera to read the verification code information.
8. The mobile banking login authentication device of claim 5, wherein the result determination module is further to:
verifying the IMEI number of the mobile phone by utilizing a pre-established mobile phone number library to obtain a first result;
verifying the geographical position information by utilizing a pre-established standing address library to obtain a second result;
verifying the face feature information by using an identity card photo of the user to obtain a third result;
verifying the lip language video information by using verification code information to obtain a fourth result;
and determining a verification result according to the first result, the second result, the third result, the fourth result and preset corresponding weight information.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
Priority Applications (1)
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| CN115001803A (en) * | 2022-05-30 | 2022-09-02 | 中国银行股份有限公司 | Mobile phone bank login method and device |
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