CN104424566A - Electronic dynamic password device for internet banking, and transaction method thereof - Google Patents
Electronic dynamic password device for internet banking, and transaction method thereof Download PDFInfo
- Publication number
- CN104424566A CN104424566A CN201310410205.2A CN201310410205A CN104424566A CN 104424566 A CN104424566 A CN 104424566A CN 201310410205 A CN201310410205 A CN 201310410205A CN 104424566 A CN104424566 A CN 104424566A
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- dynamic password
- sound wave
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/40145—Biometric identity checks
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- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Strategic Management (AREA)
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses an electronic dynamic password device for internet banking, and a transaction method thereof, relating to the technical field of internet banking. The electronic dynamic password device comprises a master control unit, and keys, a display unit and a dynamic password generation unit which are respectively connected with the master control unit. The electronic dynamic password device is structurally characterized by further comprising a sound wave amplification and decoding unit, a two-dimensional bar code generation unit and a sound wave pickup unit, the sound wave amplification and decoding unit and the two-dimensional bar code generation unit are respectively connected with the master control unit, and the sound wave pickup unit is connected with the sound wave amplification and decoding unit. Compared with the prior art, the user operation during a transaction process is simplified into confirmation action, and the electronic dynamic password device has the characteristics of being convenient to use, safe and reliable.
Description
Technical field
The present invention relates to Web bank's technical field, particularly adopt dynamic password to carry out electronic dynamic password device and the method for commerce thereof of transaction protection.
Background technology
At present, some Web bank have employed electronic dynamic password carry out transaction protection.Electronic dynamic password is divided into time type, event mode and challenge response formula.Wherein time type is based on real time clock circuit, and temporal information produces string number information (being generally 6 bit digital) after certain rule transformation.During customer transaction, input this string numeral, server end same rule and temporal information produce same numeral, then compare, if correctly just can pass through certification.Event mode is the number of times based on triggering, and often triggers once, and electronic dynamic password is inner just produces string number information according to a fixed sequence, and server end produces numerical information according to same sequence, then compares, if correct, passes through certification.Challenge response formula dynamic password apparatus as shown in Figure 1, its generation flow process as shown in Figure 2, Transaction Information is input in electronic dynamic password device by user, electronic dynamic password device generates a dynamic password according to rule through enciphering transformation, this password code is input in Net silver software by user, Transaction Information and password code are delivered to server end by Net silver software, server end is by the password code of same generate rule oneself, then compare, identical, pass through certification, allow transaction, otherwise abort transactoin.
In actual applications, due to time type and event mode dynamic password, in use there is the risk of being gone fishing by malicious websites or being kidnapped by Malware.Therefore, time type and event mode also need other means such as collocation short message confirming in Web bank uses, and make application pretty troublesome.So the dynamic password of current use challenge response formula is a trend.But in the prior art, the dynamic password of challenge response formula first user needs the challenge code by server end produces to be input in dynamic password, and after then dynamic password apparatus produces password code, user also needs answer back code to be input in Net silver software.Dynamic password apparatus is general more portable, and button is above very little, and input process compares effort, uses very inconvenient.
Summary of the invention
In order to overcome above-mentioned the deficiencies in the prior art, the object of this invention is to provide a kind of electronic dynamic password device for Web bank and method of commerce thereof.It can make the user operation in process of exchange be reduced to a confirmation action, has easy to use, safe and reliable feature.
In order to reach foregoing invention object, technical scheme of the present invention realizes as follows:
For an electronic dynamic password device for Web bank, it comprises main control unit and interconnective button, display unit, dynamic password generation unit with main control unit respectively.Its design feature is, it also comprises respectively, and interconnective sound wave amplifies decoding unit, Quick Response Code generation unit and amplifies the interconnective sound wave pickup unit of decoding unit with sound wave with main control unit.
As mentioned above for the method for commerce of the electronic dynamic password device of Web bank, the steps include:
A) sound wave pickup unit receives the sound wave modulation signal containing Transaction Information that Net silver software transmits, and is transferred to sound wave amplification decoding unit;
B) sound wave amplification decoding unit amplifies sound wave modulation signal, and demodulates trading information data, is delivered to main control unit;
C) trading information data is sent to display unit and shows by main control unit;
D), after user sees display information, by button, transaction is confirmed;
E) trading information data is delivered to dynamic password generation unit and generates dynamic password data by main control unit;
F) dynamic password data are input to Quick Response Code generation unit through main control unit and generate Quick Response Code dynamic password data, and are shown by display unit by main control unit;
G) Net silver software reading Quick Response Code dynamic password data are concluded the business.
In above-mentioned method of commerce, described sound wave modulation signal adopts ultrasound wave.
The present invention is owing to have employed technique scheme, both acoustic receiver transaction data can be passed through, the dynamic password of all right two-dimensional code display form, then carried out the identification of dynamic password by Net silver software (hardware can be the smart mobile phone etc. being provided with client), do not need user to carry out the action of any data input again.The present invention makes the user operation in process of exchange be reduced to a confirmation action, while possessing security, simplifies user operation process.
Below in conjunction with the drawings and specific embodiments, the invention will be further described.
Accompanying drawing explanation
Fig. 1 is the structural representation of electronic dynamic password device in prior art;
Fig. 2 is dynamic password transaction flow figure in prior art;
Fig. 3 is structural representation of the present invention;
Fig. 4 is the dynamic password transaction flow figure adopting apparatus of the present invention.
Embodiment
Referring to Fig. 3, the present invention includes main control unit 1 and amplify decoding unit 6, Quick Response Code generation unit 7 respectively with the interconnective button of main control unit 12, display unit 3, dynamic password generation unit 4, sound wave and amplify the interconnective sound wave pickup unit 5 of decoding unit 6 with sound wave.
Referring to Fig. 4, the transaction flow of apparatus of the present invention is:
A) user inputs Transaction Information in Net silver software, and Net silver software produces the sound wave modulation signal containing Transaction Information.Sound wave pickup unit 5 picks up above-mentioned sound wave modulation signal, and is transferred to sound wave amplification decoding unit 6;
B) sound wave amplification decoding unit 6 pairs of sound wave modulation signals amplify, and demodulate trading information data, are delivered to main control unit 1;
C) trading information data is sent to display unit 3 and shows by main control unit 1;
D), after user sees display information, by button 2, transaction is confirmed;
E) trading information data is delivered to dynamic password generation unit 4 and generates dynamic password data by main control unit 1;
F) dynamic password data are input to Quick Response Code generation unit 7 through main control unit 1 and generate Quick Response Code dynamic password data, and are shown by display unit 3 by main control unit 1;
G) Net silver software carries out Quick Response Code identification, obtains dynamic password answer back code, then Transaction Information and answer back code is delivered to server end; The correctness of server to answer back code is compared, if correct, allows transaction, otherwise abort transactoin.
Above-mentioned Net silver software can be arranged on but be not limited to home computer, panel computer, smart mobile phone etc., only needs to play sound wave, and has the function identifying Quick Response Code.
Using apparatus of the present invention without the need to manually inputting Transaction Information, decreasing a large amount of user's input actions, button 2 size of electronic dynamic password device also can be made to reduce.In addition, due to the Quick Response Code of display unit 3 on display graphics, no longer show the dynamic password code of digital form, security have also been obtained the enhancing of certain procedures.
The above; be only the example of the specific embodiment of the present invention; but protection scope of the present invention is not limited thereto; those skilled in the art are within the scope of the technical scheme of publicity of the present invention; the technical scheme that apparent conversion or replacement are formed, all should belong in protection scope of the present invention.
Claims (3)
1. the electronic dynamic password device for Web bank, it comprise main control unit (1) and respectively with main control unit (1) interconnective button (2), display unit (3), dynamic password generation unit (4), it is characterized in that, it also comprises amplifies decoding unit (6), Quick Response Code generation unit (7) respectively and amplifies the interconnective sound wave pickup unit (5) of decoding unit (6) with sound wave with main control unit (1) interconnective sound wave.
2., as claimed in claim 1 for the method for commerce of the electronic dynamic password device of Web bank, the steps include:
A) sound wave pickup unit (5) receives the sound wave modulation signal containing Transaction Information that Net silver software transmits, and is transferred to sound wave amplification decoding unit (6);
B) sound wave amplification decoding unit (6) amplifies sound wave modulation signal, and demodulates trading information data, is delivered to main control unit (1);
C) trading information data is sent to display unit (3) and shows by main control unit (1);
D), after user sees display information, by button (2), transaction is confirmed;
E) trading information data is delivered to dynamic password generation unit (4) and generates dynamic password data by main control unit (1);
F) dynamic password data are input to Quick Response Code generation unit (7) through main control unit (1) and generate Quick Response Code dynamic password data, and are shown by display unit (3) by main control unit (1);
G) Net silver software reading Quick Response Code dynamic password data are concluded the business.
3. method of commerce according to claim 2, is characterized in that, described sound wave modulation signal adopts ultrasound wave.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310410205.2A CN104424566A (en) | 2013-09-11 | 2013-09-11 | Electronic dynamic password device for internet banking, and transaction method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310410205.2A CN104424566A (en) | 2013-09-11 | 2013-09-11 | Electronic dynamic password device for internet banking, and transaction method thereof |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104424566A true CN104424566A (en) | 2015-03-18 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310410205.2A Pending CN104424566A (en) | 2013-09-11 | 2013-09-11 | Electronic dynamic password device for internet banking, and transaction method thereof |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109196834A (en) * | 2016-06-03 | 2019-01-11 | 维萨国际服务协会 | Sub- token management system for connected device |
| US11070977B2 (en) | 2016-06-07 | 2021-07-20 | Advanced New Technologies Co., Ltd. | Data transmission method, data transmitter, data receiver, and system |
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| US11290883B2 (en) | 2016-06-07 | 2022-03-29 | Advanced New Technologies Co., Ltd. | Data transmission method, data transmitter, data receiver, and system |
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Address after: 100083 Beijing City, Haidian District Wudaokou Wangzhuang Road No. 1 Tongfang Technology Plaza D floor 18 West Applicant after: Beijing Tongfang Microelectronics Company Address before: 100083 Haidian District Tsinghua Tongfang Technology Plaza, block A, floor 29, Beijing Applicant before: Beijing Tongfang Microelectronics Company |
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Application publication date: 20150318 |
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