TWI522948B - Business realization system and method - Google Patents
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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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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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
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Description
本發明涉及網路安全技術領域,尤其涉及一種業務實現系統及方法。
網際網路及基於網際網路的各種應用、服務與功能,在世界範圍內以驚人的速度普及與發展。事實上不僅新興行業,各種傳統行業也越來越緊密地依賴於網際網路,例如電子商務、金融保險、政務等包含敏感資訊的行業及系統。但由於網際網路不同於傳統技術,目前基於網際網路的各種惡意甚至違法行為越發氾濫,而由此產生的各種危害也日益嚴重,嚴重地阻礙了網際網路及基於網際網路的各種應用、服務與功能的進一步發展。
在各種基於網際網路的非法攻擊手段中,獲取他人帳戶資訊的非法行為也日益嚴重。例如,某些非法人員藉由各種方式(病毒、木馬、詐騙、網路釣魚等),獲取他人的網路銀行帳戶資訊,從而非法竊取他人銀行帳戶資金。與銀行帳戶資訊相類似,其他的各種基於網際網路的應用服務都面臨著類似非法行為的威脅。
隨著網際網路的迅速普及,這些基於網際網路的非法行為也嚴重地危害和阻礙了眾多基於網際網路的應用及服務的進一步開展。為了有效地解決這樣的問題,目前已經提出了藉由數位證書、動態密碼卡等方案,這些方案可以在一定程度上降低上述非法行為所帶來的危害,但由於各種原因,這些方案存在一些問題。
數位證書雖然可以很好地保護用戶的帳戶安全,並且能夠解決由於帳戶資訊被洩露所帶來損失。但是,維護數位證書較為複雜,不適合普通人員使用。同時,數位證書系統的建設及維護成本也較高。
動態密碼卡是指系統預先產生一組動態密碼,並以動態密碼紙或者卡片等形式發給用戶。當用戶需要進行帳戶操作時,用戶從這些動態密碼中選取一個密碼作為本次操作的帳戶密碼,該密碼被用完一次後便失效,從而,這種方法可以有效地預防由於病毒、木馬、網路釣魚等方式給用戶帳戶帶來的危害。但是,目前普遍採用的動態密碼方案中,如果用戶的動態密碼丟失或者洩露,則會嚴重威脅其帳戶安全。通常用戶的帳號資訊並不會得到可靠保護,因此,一旦其他人非法獲得了用戶的密碼,則很輕易就可獲得此用戶的帳號資訊,從而控制其帳戶。
本發明實施例提供了一種業務實現系統及方法,用以提供一種更加有效地防止帳戶資訊被盜的業務實現方案。
本發明實施例提供的一種業務實現系統包括:
動態帳號產生裝置,用於產生與用戶的真實帳號相對應的若干動態帳號;
動態帳號發送裝置,用於將所述動態帳號發送給所述用戶,或者列印所述動態帳號;
用戶帳戶資訊資料庫,用於保存所述真實帳號與所述動態帳號的對應關係;
動態帳號處理裝置,用於根據用戶提供的動態帳號,以及所述對應關係,實現業務。
本發明實施例提供的一種業務實現方法包括:
產生與用戶的真實帳號相對應的若干動態帳號,將所述動態帳號發送給所述用戶;
保存所述真實帳號與所述動態帳號的對應關係;
根據用戶提供的動態帳號,以及所述對應關係,實現業務。
本發明實施例,產生與用戶的真實帳號相對應的若干動態帳號,將所述動態帳號發送給所述用戶,並且,保存所述真實帳號與所述動態帳號的對應關係;根據用戶提供的動態帳號,以及所述對應關係,實現業務。藉由該技術方案使得業務的實現更加安全,有效地防止了帳戶資訊被盜的情況發生。
本發明實施例提供了一種業務實現系統及方法。本發明實施例提供的系統為每個用戶的真實帳號(例如用戶的銀行帳號)產生若干對應的動態帳號,並將這些動態帳號發送給用戶。當用戶需要對其帳戶進行操作的時候(例如用戶使用網上銀行的轉帳功能),用戶可以從若干動態帳號中選取一個,來代替真實帳號,並完成相應操作。並且,在此次操作結束後,系統將自動刪除本次操作的動態帳號與真實帳號的對應關係,即保證了該動態帳號不能被再次使用。這樣即時用戶在操作過程中洩露了所使用的動態帳號資訊,仍然不會對其帳戶帶來損失,即使藉由病毒、木馬等方法獲取了使用過的動態卡號,也無法控制帳戶。因此,藉由與用戶的真實帳號相對應的若干動態帳號實現相應業務,可以更加有效地防止用戶的帳戶資訊被盜的情況發生。
本發明實施例以用戶進行的銀行帳戶提款業務為例進行說明。
下面結合附圖,對本發明實施例的具體實現方式進行說明。
參見圖1,本發明實施例提供的一種業務實現系統包括:
動態帳號產生裝置11,用於當用戶申請動態帳號服務後,產生與用戶的真實帳號相對應的若干動態帳號。
動態帳號發送裝置12,用於將所述動態帳號發送給所述用戶,或者列印所述動態帳號。
用戶帳戶資訊資料庫13,用於保存所述真實帳號與所述動態帳號的對應關係。
動態帳號處理裝置14,用於根據用戶提供的動態帳號,以及所述對應關係,實現業務。
動態帳號維護裝置15,用於當所述動態帳號被使用一次或多次後,刪除所述用戶帳戶資訊資料庫中存儲的該動態帳號與相應的真實帳號的對應關係。
所述動態帳號發送裝置12,將動態帳號產生裝置11產生的動態帳號資訊以一定形式體現出來,並能夠讓用戶方便使用。例如,所述動態帳號發送裝置12支援以列印或者簡訊的方式將動態帳號資訊發送給用戶。當採用列印方式時,所述動態帳號發送裝置12可以將這些動態帳號列印到密碼紙或者普通紙質卡片上,然後藉由郵寄等方式將其發到用戶手中。當採用簡訊的方式時,所述動態帳號發送裝置12可以將這些動態帳號直接藉由簡訊的形式發送到用戶的移動電話上。
用戶在操作過程中,仍然需要使用密碼來保護其帳戶,這樣即使用戶收到的動態卡號丟失或者洩露,他人並不知道此用戶帳戶的密碼,因此仍然無法控制其帳戶。
參見圖2,所述動態帳號處理裝置14包括:
接收單元141,用於根據用戶請求,提示用戶輸入一個制定的動態帳號;並且,接收用戶發送的動態帳號。
轉換單元142,用於根據所述用戶帳戶資訊資料庫13中存儲的對應關係,將所述接收單元141接收到的動態帳號轉換為相應的真實帳號。
實現單元143,用於接收所述用戶發送的密碼,將所述用戶發送的密碼與所述轉換單元142得到的真實帳號相匹配,當匹配成功時,向所述用戶提供相應業務。
下面介紹一下本發明實施例提供的方法。
參見圖3,本發明實施例提供的一種業務實現方法包括:
S301、用戶申請動態帳號服務。
S302、系統為此用戶產生一定數量的動態帳號,並記錄這些動態帳號與用戶真實帳號之間的對應關係。
S303、系統藉由簡訊將動態帳號發送到用戶的移動電話上;或者,系統將這些動態帳號列印出來,並藉由郵寄等方式送到用戶手中。
S304、當用戶需要對其帳戶進行相應操作時,如從用戶的銀行帳戶中提款,則向系統發送相應請求,並將根據系統提示選取一個動態帳號。
S305、系統接收到用戶提交的動態帳號後,將其轉換成用戶的真實帳號,並完成相應的帳戶操作。
每個所述動態帳號被使用一次或多次後,刪除該動態帳號與相應的真實帳號的對應關係。
步驟S305包括:
根據所述對應關係,將用戶提供的動態帳號轉換為相應的真實帳號;
當所述用戶提供的密碼與所述真實帳號相匹配時,向所述用戶提供相應業務。
另外,當需要進行向用戶的帳戶中存款的操作時,可以用戶的真實帳號實現相應的存款業務,此種業務操作並不會影響用戶的帳戶安全。
綜上所述,本發明實施例藉由產生與用戶的真實帳號相對應的若干動態帳號實現相應業務。可以保證即使在動態帳號資訊丟失或被盜之後,仍然可以有效地保證用戶的帳戶安全,有效地防止了用戶的帳戶資訊被盜的情況發生。
顯然,本領域的技術人員可以對本發明進行各種改動和變型而不脫離本發明的精神和範圍。這樣,倘若本發明的這些修改和變型屬於本發明申請專利範圍及其均等技術的範圍之內,則本發明也意圖包含這些改動和變型在內。
11...動態帳號產生裝置
12...動態帳號發送裝置
13...用戶帳戶資訊資料庫
14...動態帳號處理裝置
15...動態帳號維護裝置
141...接收單元
142...轉換單元
143...實現單元
圖1為本發明實施例提供的業務實現系統的結構示意圖;
圖2為本發明實施例提供的動態帳號處理裝置結構示意圖;
圖3為本發明實施例提供的業務實現方法的流程示意圖。
Claims (10)
- 一種業務實現系統,其特徵在於,該系統包括:動態帳號產生裝置,用於產生與用戶的真實帳號相對應的若干動態帳號;動態帳號發送裝置,用於將該動態帳號發送給該用戶,或者列印該動態帳號;用戶帳戶資訊資料庫,用於保存該真實帳號與該動態帳號的對應關係;動態帳號處理裝置,用於根據用戶提供的動態帳號,以及該對應關係,實現業務。
- 根據申請專利範圍第1項之系統,其中該系統還包括:動態帳號維護裝置,用於當該動態帳號被使用一次或多次後,刪除該用戶帳戶資訊資料庫中存儲的該動態帳號與相應的真實帳號的對應關係。
- 根據申請專利範圍第1項或第2項之系統,其中該動態帳號發送裝置,將該動態帳號以簡訊形式發送給該用戶。
- 根據申請專利範圍第1項或第2項之系統,其中該動態帳號處理裝置包括:接收單元,用於接收該用戶發送的動態帳號;轉換單元,用於根據該用戶帳戶資訊資料庫中存儲的對應關係,將該接收單元接收到的動態帳號轉換為相應的真實帳號;實現單元,用於根據該轉換單元得到的真實帳號,向該用戶提供相應業務。
- 根據申請專利範圍第4項之系統,其中該接收單元,進一步接收該用戶發送的密碼;該實現單元,將該用戶發送的密碼與該真實帳號相匹配,當匹配成功時,向該用戶提供相應業務。
- 一種業務實現方法,其中該方法包括:產生與用戶的真實帳號相對應的若干動態帳號,將該動態帳號發送給該用戶;保存該真實帳號與該動態帳號的對應關係;根據用戶提供的動態帳號,以及該對應關係,實現業務。
- 根據申請專利範圍第6項之方法,其中每個該動態帳號被使用一次或多次後,刪除該動態帳號與相應的真實帳號的對應關係。
- 根據申請專利範圍第6項之方法,其中根據該用戶提供的動態帳號,以及該對應關係,實現業務的步驟包括:根據該對應關係,將用戶提供的動態帳號轉換為相應的真實帳號;當該用戶提供的密碼與該真實帳號相匹配時,向該用戶提供相應業務。
- 根據申請專利範圍第6項之方法,其中藉由發送簡訊的方式將該動態帳號發送給該用戶。
- 根據申請專利範圍第6項至第9項其中任一項之方法,其中該業務為提款業務。
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CN2007101660348A CN101425894B (zh) | 2007-10-30 | 2007-10-30 | 一种业务实现系统及方法 |
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US20100138347A1 (en) | 2010-06-03 |
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