WO2014043905A1 - Procédé et système pour authentifier les informations d'identité de l'auteur d'une transaction gab à l'aide d'un smartphone - Google Patents

Procédé et système pour authentifier les informations d'identité de l'auteur d'une transaction gab à l'aide d'un smartphone Download PDF

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Publication number
WO2014043905A1
WO2014043905A1 PCT/CN2012/081797 CN2012081797W WO2014043905A1 WO 2014043905 A1 WO2014043905 A1 WO 2014043905A1 CN 2012081797 W CN2012081797 W CN 2012081797W WO 2014043905 A1 WO2014043905 A1 WO 2014043905A1
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WIPO (PCT)
Prior art keywords
smart phone
server
card information
mobile phone
gps module
Prior art date
Application number
PCT/CN2012/081797
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English (en)
Chinese (zh)
Inventor
冯林
Original Assignee
Feng Lin
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Feng Lin filed Critical Feng Lin
Priority to PCT/CN2012/081797 priority Critical patent/WO2014043905A1/fr
Publication of WO2014043905A1 publication Critical patent/WO2014043905A1/fr

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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
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices

Definitions

  • the invention belongs to the technical field of financial transaction security, and relates to a method and system for verifying the identity information of a trader on an ATM machine in combination with a smart phone.
  • the user In the current use of the ATM machine, the user first inserts the bank card into the ATM machine, and then enters the password according to the screen on the ATM machine. When inputting the password, the user must input through the keyboard on the ATM machine or the password input device on the touch screen. After the password verification is passed, the financial operations such as withdrawal and transfer can be performed. Therefore, if a criminal wants to impersonate a legitimate user for a withdrawal business, he must first know the bank card information of the legitimate user and the password of the bank card. Install the card reader on the ATM or the access control system to obtain the bank card information, and then copy the bank card and obtain the password of the bank card by installing the camera or password recorder, so that the legitimate user can easily steal the money and give it away. The user of the card brings property damage.
  • the Chinese invention patent with the application number of 201110088168.9 discloses a method and system for verifying the identity of the trader on the ATM machine.
  • the invention uses the mobile terminal to obtain the withdrawal password of the bank card, and sends the withdrawal password to the server through the short message, and the server sends the authentication code after the verification is passed, and the ATM sends the authentication code input by the user to the server for verification, and the user inputs Whether the authentication code is the same as the authentication code sent by the server to the mobile terminal.
  • the authentication code is considered correct, and the information of the bank card inserted by the user is verified, and it is verified whether the bank card information is bound to the SIM card of the mobile terminal.
  • the bank card information is the same. If the same, the cashier is considered to be legal and allowed to enter the next trading operation.
  • This method requires a mobile phone (mobile terminal) to perform a password verification operation in advance, and then performs an authentication operation on the authentication code through the ATM machine, and the operation process is too cumbersome; on the other hand, because the authentication code often changes, it is difficult to remember, if not remembered If you live, you can only take out the mobile phone and look at it while inputting, which leads to the inconvenience of delaying the time when withdrawing money.
  • Another problem is that a mobile phone can only bind one mobile phone to one bank, when the user has multiple When using a bank card, there are many difficulties and troubles when using the above method.
  • the user's workload is increased by requiring the user to handle the business of binding the bank card and the mobile phone at the counter.
  • the Chinese invention patent of application number 200710125086.0 is disclosed. Locating the authentication card master by mobile phone Identity card account security system and method, when the card owner uses the bank card to pay at the merchant's POS card, the POS machine transmits the card card payment information of the card owner to the card issuing bank through the acquiring bank and the payment gateway, and then issues the card bank. The location of the mobile phone of the card master phone and the payment location of the POS machine are checked by the location server, and the bank continues to perform the payment operation when the location of the mobile phone coincides with the payment location.
  • the disadvantage of this technology is that the mobile operator needs to obtain the user's location, which will lead to the cost of the system being too high and difficult to promote, because the mobile operator's system and the bank's system are independent, and the bank's system must be borrowed.
  • the data of the mobile operator adds a lot of technical and operational difficulties.
  • the positioning of the mobile operator's base station makes the positioning accuracy too low, if two banks appear in the same cell, it is difficult for the user.
  • the real identity is judged; the technology is the same as the above technology, all of which can only be bound to one bank card, which cannot meet the needs of multi-card users, and all need to be processed in advance at the counter, which will increase the workload for the user.
  • Inconvenience In addition, if you use the POS machine to swipe your card, you will be indoors. If there is no mobile signal in the room, it will be difficult to locate the mobile phone, resulting in the inability to pay.
  • the object of the present invention is to solve the above technical problem, and to provide a method and system for verifying the identity information of a trader on an ATM machine in combination with a smart phone.
  • the present invention uses a GPS positioning module provided by the smart phone to locate the user.
  • the location of the ATM machine that performs the financial transaction operation of the user is compared with the GPS positioning data sent by the user's mobile phone.
  • the ATM machine passes the verification of the user's bank card and password. In this case, the user is allowed to perform the next trading operation.
  • the invention has the advantages of high safety, simple method and low cost.
  • the idea of the present invention is that since almost all smartphones have their own GPS modules, With the popularity of smartphones, people are more and more accurate in positioning themselves through smart phones. At the same time, smartphones allow downloading and installing software, so it is very convenient to install the client on the smartphone and send it to the banking system through a very intelligent client.
  • the invention provides a method for verifying the identity information of a trader on an ATM machine in combination with a smart phone, wherein the method comprises:
  • the smart phone obtains the mobile phone card information of the smart phone, and sends the mobile phone card information together with the positioning data of the GPS module and the bank card information to the server;
  • the server verifies whether the mobile phone card information of the mobile phone is the same as the mobile phone card information pre-bound by the bank card;
  • the server verifies that the mobile phone card information of the mobile phone is the same as the mobile phone card information pre-bound to the bank card, the positioning data of the GPS module of the smart phone is bound and stored together with the bank card information; the ATM machine obtains the bank card information inserted by the user. And sending the bank card information to the server; the server acquires location information of the ATM machine that sends the bank card information;
  • the ATM machine obtains the transaction password information corresponding to the bank card information input by the user;
  • the server verifies the transaction password information corresponding to the bank card information sent by the ATM;
  • the server sends the message to the ATM machine.
  • the trader authenticates the qualified order; otherwise, the server sends an instruction to the ATM machine that the trader identity is unqualified;
  • the ATM accepts the user's further operation after obtaining the trader's authentication-qualified instructions.
  • the method includes:
  • the server After receiving the positioning data of the GPS module sent by the smart phone, the mobile phone card information of the smart phone, and the bank card information, the server returns a confirmation message to the mobile phone;
  • the server After the server receives the confirmation command, it further verifies that the mobile phone card information of the mobile phone is the same as the mobile phone card information pre-bound to the bank card.
  • the method further includes:
  • the smart phone After acquiring the trigger signal of the smart phone, the smart phone turns on the GPS module, and after the smart phone turns on the GPS module, the GPS module searches for the satellite signal and locates the mobile phone. When the GPS module is positioned, the positioning data and intelligence of the GPS module in the smart phone are obtained. The mobile phone card information and bank card information of the mobile phone are sent out through the network.
  • the method further includes:
  • the mobile phone sends an instruction to the smart phone to send the positioning data of the GPS module in the smart phone to the server every 1 s to 10 minutes.
  • the server receives the positioning data of the GPS module sent by the smart phone, the positioning data of the stored GPS module is updated and stored together with the bank card information; when the ATM machine sends the user transaction completion instruction to the server
  • the server sends an instruction to the smart phone to stop sending the positioning data of the GPS module in the smart phone to the server, and sends an instruction to turn off the GPS module to the smart phone.
  • the method further includes:
  • the location information of the ATM is compared with the positioning data of the GPS module; otherwise, the server sends an instruction to the ATM to fail the identity verification of the trader.
  • the invention further provides a system for verifying trader identity information on an ATM machine in combination with a smart phone, wherein the system comprises a smart phone with a GPS module, a server and an ATM machine, and the smart phone acquires a mobile phone card of the smart phone.
  • the server verifies whether the mobile phone card information of the mobile phone is the same as the mobile phone card information pre-bound by the bank card; when the server verifies the mobile phone
  • the server binds the positioning data of the GPS module of the smart phone together with the bank card information
  • the ATM machine obtains the bank card information inserted by the user and the bank
  • the card information is sent to the server; the server obtains the location information of the ATM machine that sends the bank card information; the server compares the location information of the ATM machine with the positioning data of the GPS module; the ATM machine obtains the transaction password corresponding to the bank card information input by the user.
  • server pair with ATM machine The transaction password information corresponding to the bank card information is verified; when the distance between the location of the ATM machine and the location of the smartphone is less than or equal to 1 m to 100 m, and the transaction password information corresponding to the bank card information is verified.
  • the server sends an order for the trader to pass the authentication to the ATM; otherwise, the server sends an instruction to the ATM to fail the trader identity verification; the ATM accepts the user's further operation command after obtaining the trader's identity verification command.
  • the server receives the positioning data of the GPS module sent by the smartphone, the smartphone After the mobile phone card information and the bank card information, a confirmation message is returned to the mobile phone; when the server receives the confirmation command, it further checks whether the mobile phone card information of the mobile phone is the same as the mobile phone card information pre-bound to the bank card.
  • the smart phone acquires the trigger signal of the smart phone and then turns on the GPS module. After the smart phone opens the GPS module, the GPS module searches for the satellite signal and locates the mobile phone. When the GPS module is positioned, the smart phone will GPS in the smart phone. The positioning data of the module, the mobile phone card information of the smart phone, and the bank card information are sent out through the network.
  • the smart phone is sent to the smart phone to request the smart phone to send the positioning data of the GPS module in the smart phone every 1s ⁇ 10min.
  • the server receives the positioning data of the GPS module sent by the smart phone, the positioning data of the stored GPS module is updated, and the binding data is stored together with the bank card information; when the ATM machine sends the user transaction to the server After the completed instruction, the server sends an instruction to the smart phone to stop sending the positioning data of the GPS module in the smart phone to the server, and sends an instruction to turn off the GPS module to the smart phone.
  • the server calculates a time interval between obtaining the positioning data of the GPS module in the smart phone and obtaining the location information of the ATM machine that sends the bank card information; the server determines whether the time interval exceeds 1 min to 60 min; When the time interval does not exceed 1 min ⁇ 60 min, the server further compares the location information of the ATM machine with the positioning data of the GPS module; otherwise, the server sends an instruction to the ATM machine that the trader identity verification is unqualified.
  • the location of the mobile phone can be accurately located, effectively preventing the criminals from illegally obtaining the bank card information or/and password of the legitimate user, and then performing the system for verifying the identity of the bank user.
  • the problem of deception Although the positioning of the GPS module is very accurate, the GPS module is very power-consuming for a long time, so the invention changes the GPS module to be in a standby state, and the server actively requests the positioning data of the GPS module, and the smart phone passively waits for the server. The request signal is changed to the smart phone to actively open the GPS module and send the positioning data of the GPS module to the server.
  • the user activates the GPS module and manually operates the smart phone to activate the smart phone to transmit the positioning data of the GPS module to the server. Instructions.
  • This design not only saves power for the smartphone, but also increases the security, avoiding the legitimate user's uninformed situation, the server obtains the positioning data of the GPS module, if the criminal and the legitimate user are in a very close place at the same time. , will be exploited by lawless elements. Therefore, the safety of the present invention is high.
  • the user operates through the client software, which is very simple, and saves the card number information of the bank card, so that one mobile phone can bind multiple bank cards without Sending text messages or making phone calls and other complicated input operations, after saving, you only need to open the GPS module and send commands to send the GPS module's positioning data, smartphone's mobile phone card information and bank card information in the smartphone.
  • the server gives the server.
  • the method of the invention solves the problem that the random authentication code is difficult to remember, and the operation is also very convenient, although the existing card number information and the password information of the bank card are verified by the ATM machine only for verifying the legal identity of the user.
  • the operation of the mobile phone is very simple, but the operation method of the mobile phone of the invention is very simple, so the system has strong applicability.
  • Sending a confirmation message to the mobile phone through the server can avoid the problem that the criminals spoof the user's mobile phone by modifying the card number information of the mobile phone card through the computer software.
  • Some modules can be implemented by adding a module for authenticating the location of the smartphone and the location of the ATM machine, so the upgrade cost of the bank is also low, and it is easy for the bank to promote.
  • the invention transmits the positioning data of the GPS module of the smart phone to the server before the user operates on the ATM machine, thereby avoiding the time waiting problem existing when the location of the mobile phone is acquired when operating on the ATM machine in the prior art. It saves the user's operation time and saves the operating cost (including broadband cost, time cost and power cost) for the bank. At the same time, avoiding the user waiting for the operation on the ATM machine for too long, the system usage rate is not high, resulting in waste of resources. The problem.
  • the present invention makes use of this feature skillfully, and combines the ATM machine withdrawal with the positioning of the GPS module, so that the feasibility of the present invention is very high. , avoids the problem that the GPS signal is not good when using the POS machine indoors.
  • the positioning data of the GPS module and the bank card information bound to the positioning data of the GPS module are sent to the server for storage, so that the next operation can be performed on the ATM machine. Position verification and ingenious design.
  • Embodiment 1 is a flowchart of a method according to Embodiment 1 of the present invention.
  • Embodiment 1 is a block diagram showing the system structure of Embodiment 1 and Embodiment 2 of the present invention
  • Embodiment 3 is a flow chart of a method according to Embodiment 2 of the present invention.
  • the invention provides a method for verifying the identity information of a trader on an ATM machine in combination with a smart phone.
  • Methods and systems The invention transmits the positioning data of the GPS module of the smart phone through the smart phone, and the ATM machine sends the location data of the ATM machine when the user carries the smart phone to operate on the ATM machine, which can effectively prevent the bank card information of the legitimate user from being illegally obtained.
  • the system that authenticates the user identity of the bank spoofs the problem and improves the security of the authentication system.
  • this embodiment provides a method for verifying trader identity information on an ATM machine in combination with a smart phone, and the method includes the following steps:
  • S101 The smart phone acquires a user-selected command to turn on the GPS module, and locates the smart phone after the GPS module is turned on;
  • the GPS module automatically locates the smartphone after it is turned on, and the smartphone is repositioned after each time, such as the GPS module of the smartphone is already on, this step is not needed.
  • S102 Send the card number information of the user's bank card, the mobile phone card information, and the positioning data of the GPS module to the server through the network;
  • the card number information of the bank card, the mobile phone card information and the positioning data of the GPS module are sent to the server together, the card number information of the bank card is bound to the positioning data of the GPS module by default.
  • the card number information of the bank card is pre-stored in the smart phone and is bound to the mobile phone card information.
  • the smart phone obtains the sending instruction selected by the user, the smart phone automatically sets the card number information, the mobile phone card information and the GPS module of the user's bank card.
  • the positioning data is sent to the server through the network together, and the user's mobile phone card information is bound to the card number information of the bank card, which is pre-approved at the counter. , or verify the card number and transaction password information of the bank card on the smart phone, and if verified, bind the mobile phone card information of the smart phone to the card number information of the bank card.
  • the network includes a mobile communication network, and also includes a wireless local area network including a network connected by a wifi module or a Bluetooth module.
  • S104 After the server receives the confirmation instruction, the server verifies whether the mobile phone card information of the mobile phone is the same as the mobile phone card information pre-bound to the bank card;
  • the server stops the next operation, and clears the positioning data of the GPS module sent by the smartphone, the mobile phone card information of the smart phone, and the bank card information.
  • the interval between the sending of the confirmation message and the receipt of the confirmation command is limited. If the interval exceeds a threshold (for example, 30 minutes), the received confirmation command is invalid.
  • S105 When the server verifies that the mobile phone card information of the mobile phone is the same as the mobile phone card information pre-bound to the bank card, the positioning data of the GPS module of the smart phone is bound and stored together with the bank card information; the server verifies the mobile phone card of the mobile phone.
  • the information and the pre-bound mobile phone card information of the bank card are the same, it is determined that the positioning data of the GPS module is invalid, and the positioning data of the GPS module sent by the smart phone, the mobile phone card information of the smart phone, and the bank card information are cleared.
  • S106 Obtain card number information of the bank card inserted by the user sent by the ATM machine, and obtain location information of the ATM that sends the card number information of the bank card;
  • the location information of the ATM machine can be obtained by the code of the ATM machine and the network IP address of the ATM machine.
  • the code of the ATM machine in the server or the network IP address of the ATM machine and the location of the ATM machine are built. By setting up a one-to-one mapping relationship, the location information of the ATM can be found through the code of the ATM machine or the network IP address of the ATM machine.
  • S107 Calculate a time interval between acquiring and storing the positioning data of the GPS module in the smart phone sent by the smart phone and acquiring the location information of the ATM machine that sends the bank card information;
  • S110 determining whether the distance between the location of the ATM and the location of the smart phone is less than or equal to a distance limit
  • S111 The server verifies the legality of the transaction password information corresponding to the bank card information input by the user sent by the ATM machine;
  • this time can be used to compare the location information of the ATM machine with the positioning data of the GPS module through the server, thereby saving the waiting time of the user.
  • the ATM accepts the user's further operation instruction after obtaining the operator's qualified instruction. Since the positioning accuracy of the GPS module is currently generally about 10 meters, and the distance between the two banks is generally greater than 100 meters, this embodiment sets the distance limit between the position of the ATM machine and the position of the smartphone to 1 The meter ⁇ 100 meters is considered to be the worst positioning accuracy of the GPS module. According to the actual situation, the distance limit between the position of the ATM machine and the position of the smart phone can be adjusted in time, and the optimal setting is 10m ⁇ 20m.
  • S1111 When the transaction password information verification corresponding to the bank card information cannot pass, the server sends an instruction to the ATM machine that the trader identity verification is unqualified.
  • the embodiment further provides a system for verifying the identity of a trader on an ATM machine, the system comprising: a smart phone 11 having a GPS module, a server 12, and an ATM machine 13, the smart phone 11 Obtaining a user-selected instruction to turn on the GPS module, and positioning the smart phone after the GPS module is turned on, the smart phone is equipped with a client, and the client can open the GPS module and obtain the GPS at the click of a button.
  • the positioning data of the module is sent to the server 12 through the network together with the card number information previously stored by the user in the mobile phone and the mobile phone card information retrieved from the mobile phone card.
  • the server 13 After receiving the positioning data of the GPS module sent by the smart phone, the mobile phone card information of the smart phone, and the bank card information, the server 13 returns a confirmation message to the mobile phone; when the server receives the confirmation command, the server verifies the mobile phone card information of the mobile phone. Whether the mobile phone card information pre-bound with the bank card is the same; if the server has not received the confirmation command, the server stops the next operation, and clears the positioning data of the GPS module sent by the smart phone and the mobile phone card information of the smart phone. And bank card information, better, need to limit the interval between the server sending the confirmation message and receiving the confirmation command.
  • the received confirmation command is invalid; when the server verifies the mobile phone Mobile phone card information and the bank card pre-tied When the fixed mobile phone card information is the same, the positioning data of the GPS module of the smart phone is bound and stored together with the bank card information; when the server verifies that the mobile phone card information of the mobile phone is the same as the mobile phone card information pre-bound to the bank card, the server is determined The positioning data of the GPS module is invalid, the positioning data of the GPS module sent by the smart phone, the mobile phone card information of the smart phone, and the bank card information are cleared; the card number information of the bank card inserted by the user sent by the ATM machine is obtained, and the card card for sending the bank card is obtained.
  • a threshold such as 30min
  • the server calculates a time interval between the location data of the GPS module in the smartphone transmitted by the smartphone and the location information of the ATM machine that transmits the bank card information; the server determines the time interval Whether the threshold value is exceeded; when the time interval exceeds the time threshold, the server sends an instruction to the ATM machine that the trader identity is unqualified; when the time interval does not exceed the time threshold, Compare the location information of the ATM machine with the positioning data of the GPS module; the server is ATM The transmitted transaction password information corresponding to the bank card information input by the user is verified; when the distance between the location of the ATM machine and the location of the smart phone is less than or equal to 100 m, the transaction password information corresponding to the bank card information is verified.
  • the server sends an order for the trader to pass the authentication to the ATM; when the distance between the location of the ATM and the location of the smartphone is greater than 100 m, the server sends an instruction to the ATM to fail the identity verification of the trader; or, S1111 : When the transaction password information verification corresponding to the bank card information fails to pass, the server sends an instruction to the ATM machine that the trader identity verification is unqualified; the ATM machine accepts the user's further operation instruction after obtaining the trader identity verification qualified instruction. .
  • the server in order to avoid obtaining the time interval between the positioning data of the GPS module in the smart phone and the location information of the ATM machine that acquires the bank card information, when the user leaves the area near the ATM machine, the server stores The positioning data of the GPS module is still in the vicinity of the ATM machine, thus creating conditions for the legal identity of the criminals of the criminals, so it is necessary to obtain The time interval between the positioning data of the GPS module in the smart phone and the location information of the ATM machine that sends the bank card information is limited, but there is also a method of tracking the location of the smart phone in real time, so the smartphone is required to be uninterrupted.
  • this embodiment provides another method for verifying the identity information of a trader on an ATM machine in combination with a smart phone, and the method includes the following steps:
  • S201 The smart phone acquires a user-selected command to turn on the GPS module, and locates the smart phone after the GPS module is turned on;
  • S202 Send the card number information of the user's bank card, the mobile phone card information, and the positioning data of the GPS module to the server through the network;
  • S207 Acquire a card number information of a bank card inserted by a user sent by the ATM machine, and obtain and send the silver The location information of the ATM of the card number information of the line card;
  • S209 The server verifies the validity of the transaction password information corresponding to the bank card information input by the user sent by the ATM machine;
  • S211 The ATM accepts the user's further operation instruction after obtaining the operator's qualified instruction.
  • S2091 When the transaction password information verification corresponding to the bank card information cannot pass, the server sends an instruction to the ATM machine that the trader identity verification is unqualified.
  • the smart phone After receiving the instruction, the smart phone closes the GPS module and the client, and stops sending the positioning data of the GPS module in the smart phone to the server.
  • the embodiment further provides a system for verifying the identity of a trader on an ATM machine, the system comprising: a smart phone 11 having a GPS module, a server 12, and an ATM machine 13, the smart phone acquiring the user's selection Turn on the GPS module command, after the GPS module is turned on.
  • the smart phone performs positioning; the smart phone 11 sends the card number information of the user's bank card, the mobile phone card information, and the positioning data of the GPS module to the server through the network; the server receives the positioning data of the GPS module sent by the smart phone, and the mobile phone of the smart phone After the card information and the bank card information, return a confirmation message to the mobile phone; when the server receives the confirmation command, the server verifies whether the mobile phone card information of the mobile phone is the same as the mobile phone card information pre-bound to the bank card; when the server verifies the When the mobile phone card information of the mobile phone is the same as the mobile phone card information pre-bound to the bank card, the server sends an instruction to the smart phone to request the smart phone to send the positioning data of the GPS module in the smart phone to the server every 1 s ⁇ 10 min; Each time the positioning data of the GPS module sent by the smart phone is received, the positioning data of the stored GPS module is updated and stored together with the bank card information; the server acquires the card number information of the bank card inserted by
  • the server compares the location information of the ATM machine with the positioning data of the GPS module; the server verifies the transaction password information corresponding to the bank card information input by the user sent by the ATM machine; when the location of the ATM machine is related to the location of the smart phone When the distance between the locations is less than or equal to 100m, and the transaction password information corresponding to the bank card information is verified, the server sends an instruction to the ATM machine to pass the identity verification of the trader; after the ATM machine obtains the command of the trader identity verification Accept the user's further operation instructions.
  • the server sends an instruction to the ATM machine that the trader identity is unqualified.
  • the server sends an instruction to the ATM machine that the trader identity verification is unqualified.
  • the server sends an instruction to the smart phone to stop sending the positioning data of the GPS module in the smart phone to the server, and sends an instruction to turn off the GPS module to the smart phone; the smart phone receives the location After the instruction is executed, the GPS module and the client are closed, and the positioning data of the GPS module in the smartphone is stopped from being sent to the server.

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Abstract

La présente invention concerne un procédé et un système pour authentifier les informations d'identité de l'auteur d'une transaction GAB à l'aide d'un smartphone. La présente invention détermine la position d'un utilisateur au moyen du module intégré de positionnement GPS d'un smartphone, compare l'emplacement d'un GAB sur lequel l'utilisateur effectue une opération de transaction financière avec les données de positionnement GPS envoyées par le smartphone de l'utilisateur et permet à l'utilisateur d'effectuer une opération de transaction suivante à condition que l'emplacement du smartphone de l'utilisateur soit compatible avec l'emplacement réel du GAB et que la carte bancaire et le mot de passe de l'utilisateur réussissent l'authentification par le GAB. La présente invention offre comme avantages une haute sécurité, un procédé simple et un faible coût.
PCT/CN2012/081797 2012-09-22 2012-09-22 Procédé et système pour authentifier les informations d'identité de l'auteur d'une transaction gab à l'aide d'un smartphone WO2014043905A1 (fr)

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PCT/CN2012/081797 WO2014043905A1 (fr) 2012-09-22 2012-09-22 Procédé et système pour authentifier les informations d'identité de l'auteur d'une transaction gab à l'aide d'un smartphone

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