CN114898510A - A financial password acquisition method, system, financial device and storable medium - Google Patents

Abstract

The invention discloses a method, system, financial equipment and storable medium for obtaining a financial password, and relates to the field of computer technology, wherein the method includes the following steps: S1: when the financial operation terminal detects that the card is inserted, obtain the registration information of the card, At the same time, obtain the request information of the operating user; S2: determine whether the attribution of the financial operating terminal and the request information is consistent, if not, collect the biometric information of the operating user, and determine whether the biometric information of the operating user is the same as that of the operating user. Check whether the registration information is consistent, and if so, execute step S3; S3: the financial operation terminal sends a password acquisition request to the password server; S4: the password server sends encrypted password information to the password server according to the password acquisition request. financial operation terminal and other steps; the present invention is used to solve the problem of easy leakage of user passwords in the prior art.

Description

A financial password acquisition method, system, financial device and storable medium

technical field

The present invention relates to the field of computer technology, and more particularly to a method, system, financial device and storable medium for obtaining a financial password.

Background technique

At present, automatic teller machine is also called ATM (abbreviation of Automated Teller Machine), which means automatic teller machine. Because most of it is used for withdrawing money, it is also called automatic teller machine. It is a highly sophisticated mechatronic device that utilizes magnetic code cards or smart cards for self-service financial transactions, replacing the work of bank tellers.

However, in the prior art, a user is usually required to input a password when using an ATM, and the password is usually set by the user himself and is a fixed password. Once personal information is leaked or a bank card is lost, it is easy to cause losses to the user.

Therefore, how to provide a financial password acquisition method that can solve the above problems is an urgent problem for those skilled in the art to solve.

SUMMARY OF THE INVENTION

In view of this, the present invention provides a method, system, financial device and storable medium for obtaining a financial password, so as to solve the problem of easy leakage of user passwords in the prior art.

In order to achieve the above object, the present invention adopts the following technical solutions:

A method for obtaining a financial password, which is applied to a financial operation terminal and a password server, includes the following steps:

S1: when the financial operation terminal detects that the card is inserted, obtains the registration information of the card, and at the same time obtains the request information of the operating user;

S2: Determine whether the attribution of the financial operation terminal and the request information is consistent, if not, collect the biometric information of the operating user, and determine whether the biometric information of the operating user is consistent with the registration information, if they are consistent Then execute step S3;

S3: The financial operation terminal sends a password acquisition request to the password server;

S4: the password server sends encrypted password information to the financial operation terminal according to the password acquisition request;

S5: The financial operation terminal decrypts the encrypted password information according to a preset rule to obtain the password information.

Preferably, in the S2, if they are inconsistent, the correlation parameter value between the biometric information and the registration information is calculated, when the correlation parameter value is greater than or equal to a preset threshold, the S3 is executed, and when the When the correlation parameter value is less than the preset threshold, no operation is performed.

Preferably, the method further includes S6: when the financial operation terminal performs the operation corresponding to the request information, establishes and stores the association relationship between the operation, the biometric information and the registration information.

Preferably, the S5 specifically includes:

S51: When the password is decrypted and displayed correctly, the financial operation terminal generates a random password, and uses the random password to cooperate with the password to complete the operation;

S52: When the password is decrypted and displayed incorrectly, it is determined that the password is an invalid password, and the financial operation terminal sends an operation activation code to the operating user, and uses the operation activation code to complete the operation.

Preferably, in S51, when the password is decrypted and displayed correctly, when the password is used more than a preset number of times threshold, the password and the preset rules are deleted in the password server, and a new password is randomly generated at the same time. password rules and passwords.

Further, the present invention also provides a system using the financial password acquisition method described in any of the above, including:

an acquisition module, configured to acquire the registration information of the card and the request information of the operating user when the financial operation terminal detects that the card is inserted;

A judging module for judging whether the attribution of the financial operating terminal and the request information is consistent, if not, collecting the biometric information of the operating user, and judging whether the biometric information of the operating user is consistent with the registration information , if they are consistent, step S3 is performed;

a sending module, configured to use the financial operation terminal to send a password acquisition request to the password server;

a receiving module, configured to use the password server to send encrypted password information to the financial operation terminal according to the password acquisition request;

A decryption module, configured to decrypt the encrypted password information by using the financial operation terminal according to preset rules to obtain the password information.

Further, the present invention also provides a financial equipment, comprising a memory, a processor and a computer program stored in the memory and running on the processor, the processor implements any of the above when executing the computer program. Methods.

Further, the present invention also provides a computer-readable storage medium on which a computer program is stored, and when the computer program is executed by a processor, any one of the methods described above is implemented.

As can be seen from the above technical solutions, compared with the prior art, the present disclosure provides a method, system, financial device and storable medium for obtaining a financial password. Judging, if they are consistent, request the password through the password server, and use the password and the activation code to realize the operation; if they are inconsistent, collect the correlation coefficient between the biometric information and the registration information, and obtain the password only when the preset threshold requirements are met. The fixed password operation can improve the security of the password; at the same time, the password server regularly clears the frequently used passwords to further improve the security.

Description of drawings

In order to explain the embodiments of the present invention or the technical solutions in the prior art more clearly, the following briefly introduces the accompanying drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only It is an embodiment of the present invention. For those of ordinary skill in the art, other drawings can also be obtained according to the provided drawings without creative work.

Fig. 1 is the overall flow chart of a kind of financial password acquisition method provided by the present invention;

FIG. 2 is a structural principle block diagram of a financial password acquisition system provided by the present invention.

Detailed ways

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

Referring to FIG. 1, an embodiment of the present invention discloses a method for obtaining a financial password, which is applied to a financial operation terminal and a password server, and includes the following steps:

S1: When the financial operation terminal detects that the card is inserted, it obtains the registration information of the card, and at the same time obtains the request information of the operating user;

S2: Determine whether the attribution of the financial operation terminal and the requested information is consistent, if not, collect the biometric information of the operating user, and determine whether the biometric information of the operating user is consistent with the registration information, and if they are consistent, perform step S3;

S3: The financial operation terminal sends a password acquisition request to the password server;

S4: The password server sends the encrypted password information to the financial operation terminal according to the password acquisition request;

S5: The financial operation terminal decrypts the encrypted password information according to the preset rule to obtain the password information.

In a specific embodiment, in S2, if it is inconsistent, calculate the correlation parameter value between the biometric information and the registration information, when the correlation parameter value is greater than or equal to the preset threshold, execute S3, and when the correlation parameter value is less than the predetermined threshold value. No action is performed when the threshold is set.

In a specific embodiment, S6 is further included: when the financial operation terminal performs the operation corresponding to the request information, establishes and stores the association relationship between the operation, the biometric information and the registration information.

In a specific embodiment, S5 specifically includes:

S51: When the password is decrypted and displayed correctly, the financial operation terminal generates a random password, and uses the random password in conjunction with the password to complete the operation;

S52: When the password is decrypted and displayed incorrectly, it is determined that the password is an invalid password, and the financial operation terminal sends an operation activation code to the operating user, and uses the operation activation code to complete the operation.

In a specific embodiment, in S51, when the password is decrypted and displayed correctly, and when the password is used more than a preset number of times threshold, the password and the preset rules are deleted in the password server, and new password rules and passwords are randomly generated at the same time. .

Referring to FIG. 2, an embodiment of the present invention further provides a system for obtaining a financial password using any one of the foregoing embodiments, including:

an acquisition module, used for acquiring the registration information of the card and the request information of the operating user when the financial operating terminal detects that the card is inserted;

The judgment module is used for judging whether the attribution of the financial operation terminal and the request information is consistent, if not, collecting the biometric information of the operating user, and judging whether the biometric information of the operating user is consistent with the registration information, and if they are consistent, execute step S3;

a sending module, used for sending a password acquisition request to the password server by using the financial operation terminal;

a receiving module, used for using the password server to send encrypted password information to the financial operation terminal according to the password acquisition request;

The decryption module is used for decrypting the encrypted cipher information according to the preset rules by using the financial operation terminal to obtain the cipher information.

An embodiment of the present invention also provides a financial device, including a memory, a processor, and a computer program stored in the memory and running on the processor, and the processor implements any of the methods in the foregoing embodiments when the processor executes the computer program.

Embodiments of the present invention further provide a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the method of any one of the foregoing embodiments is implemented.

The various embodiments in this specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments, and the same and similar parts between the various embodiments can be referred to each other. As for the device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant part can be referred to the description of the method.

The above description of the disclosed embodiments enables any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein, but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (8)

1. A financial password acquisition method, applied to a financial operating terminal, a password server, is characterized in that, comprising the following steps: S1: when the financial operation terminal detects that the card is inserted, obtain the registration information of the card, and obtain the request information of the operating user at the same time; S2: Determine whether the attribution of the financial operation terminal and the request information is consistent, if not, collect the biometric information of the operating user, and determine whether the biometric information of the operating user is consistent with the registration information, if they are consistent Then execute step S3; S3: The financial operation terminal sends a password acquisition request to the password server; S4: the password server sends encrypted password information to the financial operation terminal according to the password acquisition request; S5: The financial operation terminal decrypts the encrypted password information according to a preset rule to obtain the password information. 2 . The method for obtaining a financial password according to claim 1 , wherein in the S2, if they are inconsistent, the correlation parameter value between the biometric information and the registration information is calculated, and when the correlation When the correlation parameter value is greater than or equal to the preset threshold, the S3 is performed, and when the correlation parameter value is less than the preset threshold, no operation is performed. 3 . The method for obtaining a financial password according to claim 1 , further comprising S6 : when the financial operation terminal performs the operation corresponding to the request information, establishes the operation and the biometric information. 4 . and the associated relationship of the registration information and stored. 4. a kind of financial password acquisition method according to claim 1, is characterized in that, described S5 specifically comprises: S51: When the password is decrypted and displayed correctly, the financial operation terminal generates a random password, and uses the random password to cooperate with the password to complete the operation; S52: When the password is decrypted and displayed incorrectly, it is determined that the password is an invalid password, and the financial operation terminal sends an operation activation code to the operating user, and uses the operation activation code to complete the operation. 5. The method for obtaining a financial password according to claim 4, wherein in S51, when the password is decrypted and displayed correctly, and when the password is used over a preset number of times threshold, then in the The password and preset rules are deleted from the password server, and new password rules and passwords are randomly generated. 6. A system utilizing the financial password acquisition method according to any one of claims 1-5, characterized in that, comprising: an acquisition module, configured to acquire the registration information of the card and the request information of the operating user when the financial operation terminal detects that the card is inserted; A judging module for judging whether the attribution of the financial operating terminal and the request information is consistent, if not, collecting the biometric information of the operating user, and judging whether the biometric information of the operating user is consistent with the registration information , if they are consistent, step S3 is performed; a sending module, configured to use the financial operation terminal to send a password acquisition request to the password server; a receiving module, configured to use the password server to send encrypted password information to the financial operation terminal according to the password acquisition request; Decryption Module A decryption module is used for decrypting the encrypted password information by using the financial operation terminal according to preset rules to obtain password information. 7. A financial device comprising a memory, a processor and a computer program stored on the memory and running on the processor, wherein the processor implements the computer program in claims 1 to 5 when the processor executes the computer program. The method of any one. 8. A computer-readable storage medium on which a computer program is stored, characterized in that, when the computer program is executed by a processor, the method according to any one of claims 1 to 5 is implemented.

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