CN101916478A - Method for automatically acquiring, verifying and inputting dynamic password in normal short message by client - Google Patents
Method for automatically acquiring, verifying and inputting dynamic password in normal short message by client Download PDFInfo
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- CN101916478A CN101916478A CN 201010243610 CN201010243610A CN101916478A CN 101916478 A CN101916478 A CN 101916478A CN 201010243610 CN201010243610 CN 201010243610 CN 201010243610 A CN201010243610 A CN 201010243610A CN 101916478 A CN101916478 A CN 101916478A
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Abstract
The invention belongs to the technical field of online transaction, and in particular relates to a method for automatically acquiring, verifying and inputting a dynamic password in a normal short message by a client. The method of the invention comprises the following steps that: a user purchases an object by using a mobile phone client and a purchase order is generated; a client background transmits a dynamic password verification request to a bank system and the bank system immediately transmits the short message comprising the dynamic password to a mobile phone; a client program reads the dynamic password from the mobile phone and fills the dynamic password at a corresponding password input place after the transaction information is verified to be incorrect; and subsequently, the client program transmits the key transaction information such as the dynamic password, the transaction password and the like to the bank system for verification and correspondingly deducts money from a bank card after the verification is passed so as to successfully complete the transaction. The method of the invention can prevent the inconvenience that a user needs to enter an inbox to view the dynamic password short message while using the mobile phone client; and the method can also prevent the complexity caused by frequent dynamic password verification due to misremembering of the dynamic password.
Description
Technical field
The invention belongs to technical field of online transaction, be specifically related to the method that a kind of client is obtained dynamic password in the normal short message and checking input automatically.
Background technology
The user is when opening Web bank or Mobile banking, if selected dynamic password (note) mode, when each transaction, bank all can send interim dynamic password to user mobile phone by the mode of note password.
But when using Mobile banking's client, enter the mobile phone inbox separately and check note and inconvenient, the user also forgets numerical ciphers easily, and the part mobile phone can only be supported the single task mode, open short message inbox and will close the mobile phone client program of current use, these all will be made troubles to user's operation.
Based on above-mentioned technical background, this motion proposes the method that a kind of client-side program obtains dynamic password in the normal short message and checking input automatically.After issuing the normal short message that comprises dynamic password in banking system, directly from inbox, read dynamic password by client-side program, automatically finish the checking of dynamic password, and inserting the dynamic password input, the user only needs manually to import correct trading password can carry out mobile banking transaction safely.
Summary of the invention
The object of the present invention is to provide a kind of client to obtain the method for dynamic password in the normal short message and checking input automatically.
Client provided by the invention is obtained the method for dynamic password in the normal short message and checking input automatically, comprise that client-side program obtains dynamic password in the normal short message automatically, finishes the checking of dynamic password from the mobile phone inbox, and the dynamic password behind the automatic input validation, concrete steps are:
(1) user uses Mobile banking's client to do shopping, and behind the generation order, enters " dynamic password verification " flow process;
(2) client background at first sends dynamic password verification request to banking system, banking system receive issue immediately after the checking request comprise dynamic password note to mobile phone;
(3) after mobile phone was received this note, client-side program read dynamic password automatically from the mobile phone inbox, after checking note sender's number, transmitting time and Transaction Information is errorless, automatically dynamic password was inserted corresponding password input; Subsequently, the user inputs the trading password frame of bank card business dealing password to current order again, and client-side program is sent to the banking system checking with crucial Transaction Informations such as dynamic password, trading passwords;
(4) banking system is verified, by, just from corresponding bank card, withhold Transaction Success.
Among the present invention, described client-side program need carry out the checking of following 4 aspects:
(1) confirm that the user uses the phone number of binding: bank only can send to the dynamic password note on the phone number of user binding;
(2) analyzing note sender number is the legal special service number of bank;
(3) checking transaction content: whether the order number of checking this transaction is consistent with the order number in the bank short message;
(4) repeatedly initiate the checking of dynamic password note request: the time and the time that sends request of dynamic password note in the inbox are compared, more late than the time that sends request, and be up-to-date in all dynamic password notes in the inbox, then the dynamic password in this note be changed to effectively.
The present invention can avoid the user using Mobile banking's client simultaneously, enters the inconvenience that inbox is checked the dynamic password note separately; Also can avoid the user repeatedly to carry out the loaded down with trivial details of dynamic password verification because of misremembering dynamic password.
The present invention can be used for the Mobile banking of any selection dynamic password (note) mode, and the specific implementation flow process is as follows:
The user uses cell-phone customer terminal to do shopping, and behind the generation order, enters " dynamic password verification " flow process (Fig. 2), and client background at first sends dynamic password verification request to banking system; After client issues the normal short message that comprises dynamic password in banking system, from the mobile phone inbox, extract the dynamic password short message content automatically; After the note of client-side program checking immediately sender's number, transmitting time and Transaction Information is errorless, automatically dynamic password is inserted corresponding password input, need not the user manually be imported (Fig. 3); End user's input bank card business dealing password is to the trading password frame (Fig. 4) of current order, client background sends transaction request to banking system, bank carries out the checking of crucial transaction data such as dynamic password, trading password, legal if conclude the business, just from corresponding bank card, withhold Transaction Success; If transaction is unsuccessful, then Cancel Transaction, return error message.
Description of drawings
Fig. 1 is the technical identification process flow diagram.
Fig. 2 is for obtaining the UI figure of dynamic password automatically.
Fig. 3 is the UI figure of dynamic password verification input.
Fig. 4 is the UI figure of bank card business dealing password input.
Embodiment
As the embodiment that Fig. 2, dynamic password shown in Figure 3 obtain, verify, import, its detailed process is as follows:
1, the Web bank of user in the business hall of bank or by banking system opens Mobile banking, set up the only binding relationship of customer information and phone number, when using Mobile banking's payment services, must use phone number specified when opening Mobile banking.
2, the user selects any access way logging on client to use business.User's free choice of goods enters " dynamic password verification " flow process after generating order, and the Mobile banking that selection has been opened imports correct customer ID or bank's card number.
3, user operation " obtaining automatically " note dynamic password verification function (Fig. 2), client background send dynamic password verification request interface upstream message to banking system (comprising customer ID/bank's card number, order number, dealing money of input in the step 2 etc.).
4, after banking system verifies that every information is errorless, issuing the normal short message that comprises dynamic password has opened on the mobile phone of Mobile banking and correct binding customer information to the user, short message content comprises order number, dealing money, dynamic password, and mobile phone deposits inbox in after receiving this note.
5, client-side program reads the dynamic password note and verifies from inbox, and after being proved to be successful, client-side program is inserted dynamic password corresponding position (Fig. 3) automatically.
The authentication mechanism of dynamic password note:
(1) confirm that the user uses the phone number of binding: bank only can send to the dynamic password note on the phone number of user binding.
(2) client analysis note sender number is the legal special service number of bank.
(3) checking transaction content: whether the order number of checking this transaction is consistent with the order number in the bank short message.
(4) repeatedly initiate the checking of dynamic password note request: the time and the time that sends request of dynamic password note in the inbox are compared, more late than the time that sends request, and be up-to-date in all dynamic password notes in the inbox, then the dynamic password in this note be changed to effectively.
6, after affirmation receives the dynamic password note of bank's transmission, the user is to current order input trading password (Fig. 4), client background sends the transaction uplink message to banking system (comprising customer ID, order number, dynamic password, trading password etc.), bank compares the dynamic password of dynamic password in the uplink message of receiving and the generation of self banking system, and carry out the checking of other related datas such as trading password, legal if conclude the business, just from corresponding bank card, withhold Transaction Success; If transaction is unsuccessful, then Cancel Transaction, return error message.
Above step 1 to 6 described; only be the preferable embodiment of the present invention; but protection scope of the present invention is not limited thereto; anyly be familiar with those skilled in the art in the technical scope that the present invention discloses; can expect easily changing or replacing, all should be encompassed within protection scope of the present invention.Therefore, the scope of breaking even of the present invention should be as the criterion with the protection domain of claim.
Claims (2)
1. a client is obtained the method for dynamic password in the normal short message and checking input automatically, it is characterized in that: client-side program obtains dynamic password in the normal short message automatically, finishes the checking of dynamic password from the mobile phone inbox, and the dynamic password behind the automatic input validation, concrete steps are:
(1) user uses Mobile banking's client to do shopping, and behind the generation order, enters " dynamic password verification " flow process;
(2) client background at first sends dynamic password verification request to banking system, banking system receive issue immediately after the checking request comprise dynamic password note to mobile phone;
(3) after mobile phone was received this note, client-side program read dynamic password automatically from the mobile phone inbox, after checking note sender's number, transmitting time and Transaction Information is errorless, automatically dynamic password was inserted corresponding password input; Subsequently, the user inputs the trading password frame of bank card business dealing password to current order again, and client-side program is sent to the banking system checking with crucial Transaction Informations such as dynamic password, trading passwords;
(4) banking system is verified, by, just from corresponding bank card, withhold Transaction Success.
2. method according to claim 1 is characterized in that: described client-side program need carry out the checking of following 4 aspects:
(1) confirm that the user uses the phone number of binding: bank only can send to the dynamic password note on the phone number of user binding;
(2) analyzing note sender number is the legal special service number of bank;
(3) checking transaction content: whether the order number of checking this transaction is consistent with the order number in the bank short message;
(4) repeatedly initiate the checking of dynamic password note request: the time and the time that sends request of dynamic password note in the inbox are compared, more late than the time that sends request, and be up-to-date in all dynamic password notes in the inbox, then the dynamic password in this note be changed to effectively.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201010243610 CN101916478A (en) | 2010-08-03 | 2010-08-03 | Method for automatically acquiring, verifying and inputting dynamic password in normal short message by client |
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| Application Number | Priority Date | Filing Date | Title |
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| CN 201010243610 CN101916478A (en) | 2010-08-03 | 2010-08-03 | Method for automatically acquiring, verifying and inputting dynamic password in normal short message by client |
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| CN101916478A true CN101916478A (en) | 2010-12-15 |
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| CN 201010243610 Pending CN101916478A (en) | 2010-08-03 | 2010-08-03 | Method for automatically acquiring, verifying and inputting dynamic password in normal short message by client |
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Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102521926A (en) * | 2011-12-09 | 2012-06-27 | 上海宝盒速递有限公司 | Method for realizing asynchronous transaction of product and service by using self-service terminal |
| CN102624680A (en) * | 2011-02-01 | 2012-08-01 | 福建新大陆电脑股份有限公司 | Mobile payment system employing combined cipher and mobile payment method thereof |
| CN102819918A (en) * | 2012-07-17 | 2012-12-12 | 苏州市米想网络信息技术有限公司 | Payment system adopting multiple safety certificates |
| CN102867253A (en) * | 2012-08-07 | 2013-01-09 | 李凡 | Method for providing added value function for mobile phone payment |
| CN103810595A (en) * | 2014-01-26 | 2014-05-21 | 小米科技有限责任公司 | Information verification method and device |
| CN103996252A (en) * | 2014-05-27 | 2014-08-20 | 网银在线（北京）科技有限公司 | Method and device for processing authentication information |
| CN104253689A (en) * | 2013-06-28 | 2014-12-31 | 中国电信股份有限公司 | User identity module card generated dynamic password authentication method and system based on QR (quick response) code |
| CN104717065A (en) * | 2013-12-16 | 2015-06-17 | ***通信集团公司 | Short message certification information submitting method, device and system and terminal device |
| CN104980580A (en) * | 2015-06-17 | 2015-10-14 | 小米科技有限责任公司 | Short message checking method and short message checking device |
| CN105141753A (en) * | 2015-07-27 | 2015-12-09 | 深圳市万普拉斯科技有限公司 | Method and device for processing verification code short-message expiration |
| WO2015188739A1 (en) * | 2014-06-12 | 2015-12-17 | 北京奇虎科技有限公司 | Message processing method and apparatus |
| CN105511637A (en) * | 2015-12-03 | 2016-04-20 | 广东欧珀移动通信有限公司 | Input method and user terminal |
| CN105814591A (en) * | 2014-10-22 | 2016-07-27 | 华为技术有限公司 | Verification information transmission method and terminal |
| CN109214808A (en) * | 2017-06-29 | 2019-01-15 | 摩托罗拉移动有限责任公司 | Password is verified close to showing when being expected service time |
| CN109286724A (en) * | 2013-12-11 | 2019-01-29 | 阿里巴巴集团控股有限公司 | A kind of data interactive method and device based on short message |
| CN112685761A (en) * | 2021-01-08 | 2021-04-20 | 浙江省国土勘测规划有限公司 | Software system for agricultural room surveying and mapping integration |
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| CN1568061A (en) * | 2003-06-20 | 2005-01-19 | 黄金富 | Dual-handset POS machine bargaining method against traditional flow and with dynamic encryption |
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- 2010-08-03 CN CN 201010243610 patent/CN101916478A/en active Pending
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN1568061A (en) * | 2003-06-20 | 2005-01-19 | 黄金富 | Dual-handset POS machine bargaining method against traditional flow and with dynamic encryption |
Cited By (23)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102624680A (en) * | 2011-02-01 | 2012-08-01 | 福建新大陆电脑股份有限公司 | Mobile payment system employing combined cipher and mobile payment method thereof |
| CN102521926A (en) * | 2011-12-09 | 2012-06-27 | 上海宝盒速递有限公司 | Method for realizing asynchronous transaction of product and service by using self-service terminal |
| CN102819918A (en) * | 2012-07-17 | 2012-12-12 | 苏州市米想网络信息技术有限公司 | Payment system adopting multiple safety certificates |
| CN102867253A (en) * | 2012-08-07 | 2013-01-09 | 李凡 | Method for providing added value function for mobile phone payment |
| CN104253689A (en) * | 2013-06-28 | 2014-12-31 | 中国电信股份有限公司 | User identity module card generated dynamic password authentication method and system based on QR (quick response) code |
| CN109286724B (en) * | 2013-12-11 | 2021-02-26 | 创新先进技术有限公司 | Data interaction method and device based on short message |
| CN109286724A (en) * | 2013-12-11 | 2019-01-29 | 阿里巴巴集团控股有限公司 | A kind of data interactive method and device based on short message |
| CN104717065A (en) * | 2013-12-16 | 2015-06-17 | ***通信集团公司 | Short message certification information submitting method, device and system and terminal device |
| CN104717065B (en) * | 2013-12-16 | 2019-01-08 | ***通信集团公司 | A kind of short message certification information submits method, apparatus, system and terminal device |
| CN103810595B (en) * | 2014-01-26 | 2017-02-15 | 小米科技有限责任公司 | Information verification method and device |
| CN103810595A (en) * | 2014-01-26 | 2014-05-21 | 小米科技有限责任公司 | Information verification method and device |
| CN103996252A (en) * | 2014-05-27 | 2014-08-20 | 网银在线（北京）科技有限公司 | Method and device for processing authentication information |
| CN103996252B (en) * | 2014-05-27 | 2016-04-20 | 网银在线（北京）科技有限公司 | The method and apparatus of process authentication information |
| WO2015188739A1 (en) * | 2014-06-12 | 2015-12-17 | 北京奇虎科技有限公司 | Message processing method and apparatus |
| CN105814591A (en) * | 2014-10-22 | 2016-07-27 | 华为技术有限公司 | Verification information transmission method and terminal |
| US10362042B2 (en) | 2014-10-22 | 2019-07-23 | Huawei Technologies Co., Ltd. | Method for transmitting verification information and terminal |
| CN104980580B (en) * | 2015-06-17 | 2018-03-23 | 小米科技有限责任公司 | Short message inspection method and device |
| CN104980580A (en) * | 2015-06-17 | 2015-10-14 | 小米科技有限责任公司 | Short message checking method and short message checking device |
| CN105141753A (en) * | 2015-07-27 | 2015-12-09 | 深圳市万普拉斯科技有限公司 | Method and device for processing verification code short-message expiration |
| CN105511637B (en) * | 2015-12-03 | 2018-09-04 | 广东欧珀移动通信有限公司 | A kind of input method and user terminal |
| CN105511637A (en) * | 2015-12-03 | 2016-04-20 | 广东欧珀移动通信有限公司 | Input method and user terminal |
| CN109214808A (en) * | 2017-06-29 | 2019-01-15 | 摩托罗拉移动有限责任公司 | Password is verified close to showing when being expected service time |
| CN112685761A (en) * | 2021-01-08 | 2021-04-20 | 浙江省国土勘测规划有限公司 | Software system for agricultural room surveying and mapping integration |
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Open date: 20101215 |