CN101848450A - Safe account operation method by connecting to website via double-card and double-standby mobile phone - Google Patents
Safe account operation method by connecting to website via double-card and double-standby mobile phone Download PDFInfo
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- CN101848450A CN101848450A CN200910106096A CN200910106096A CN101848450A CN 101848450 A CN101848450 A CN 101848450A CN 200910106096 A CN200910106096 A CN 200910106096A CN 200910106096 A CN200910106096 A CN 200910106096A CN 101848450 A CN101848450 A CN 101848450A
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- 238000012790 confirmation Methods 0.000 claims abstract description 30
- 238000004891 communication Methods 0.000 claims abstract description 15
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- 241000700605 Viruses Species 0.000 description 2
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Abstract
The invention provides a safe account operation method by connecting to a website via a double-card and double-standby mobile phone. The method comprises the following steps: when a user carries out account operations such as logging and the like, the double-card and double-standby mobile phone (3) is connected to the website (1) through a telephone number line of an SIM card in a data communication manner to input operating information (6) such as a login name and the like; and the website (1) calls the telephone number of the other SIM card of the double-card and double-standby mobile phone (3) by a telephone network (4), receives confirmation information (7) such as a login password of the user and the like by voice conversation, checks accurate operating information (6) and confirmation information (7), and then allows to carry out account operation. The safe account operation method has the advantages that one communication path between the website (1) and the mobile phone (3) is established by calling the mobile phone (3) via the website (1); and even though a hacker steals the login name and the login password, the website can not be logged by the hacker who counterfeits the user without the mobile phone (3) of the user, thus guaranteeing safety of user account.
Description
[technical field]
The present invention relates to communication and Financial Information process field, particularly relate to a kind of double card double standby mobile phone connecting to website that uses and carry out safe account's method of operating.
[background technology]
At present, a lot of financial institutions all are provided with the website that online service is provided, and the user just can carry out each generic operation to this user's oneself account as long as login enters the website, as inquiry account balance, account transfer or the like transaction.Owing to use the online service of financial institution very convenient quick, and the user need not wait in line service to the sales counter of financial institution in person, so the people that gets more and more adopts these online services.
When but the user uses the online service of financial institution, will be in the face of the problem of network security, owing to be full of various websites on the Internet, comprise that some can disseminate the website of computer virus or wooden horse formula, if the user has entered these websites because of carelessness, the terminal that the user is used for surfing the Net also just may infect computer virus or wooden horse formula, then steal user's account's logon name and password by the wooden horse formula, part hacker even offer the capable website of some white alloys gains user's account's logon name and password then by cheating by the capable website of white alloy.After the hacker has obtained user's account's logon name and password, just can fake user login true website and steal assets in the account, make the user sustain a loss.
Above-described network security problem has had a strong impact on the online service that the user uses financial institution, and the user is as long as accidentally stolen account's logon name and password by the hacker, and consequence may be very serious.When the user uses online service, how to allow user security ground that the account is operated, being one has problem to be solved.
[summary of the invention]
Purpose of the present invention is to provide a kind of double card double standby mobile phone connecting to website that uses to carry out safe account's method of operating, when allowing the user use online service, can operate the account safely.
The object of the present invention is achieved like this, adopt a kind of like this double card double standby mobile phone connecting to website that uses to carry out safe account's method of operating, described website comprises the Web bank website, the capable website of share certificate, shopping websites etc. are provided with user's account's website, it is characterized in that, described method comprises the user, and the account of (1) carries out the account when operating in the website to own, the user by double card double standby mobile phone (3) with the circuit of the telephone number of a S IM card wherein with the required operation information (6) of account's operation web page page input this account operation corresponding in the data communication method connecting to website (1), then website (1) telephone number of calling out another SIM card of double card double standby mobile phone (3) by telephone network (4) set up a web site (1) and double card double standby mobile phone (3) between voice conversation, website (1) receives user's affirmation information (7) by this voice conversation then, and website (1) is checked this operation information (6) and this confirmation (7) and just allowed to carry out this account after errorless and operate.And described account's operation comprises the operation that login enters website (1), and described operation information (6) comprises logon name, and described confirmation (7) comprises login password.
In addition, purpose of the present invention also can be achieved like this, adopt a kind of like this double card double standby mobile phone connecting to website that uses to carry out safe account's method of operating, described website comprises the Web bank website, the capable website of share certificate, shopping websites etc. are provided with user's account's website, it is characterized in that, described method comprises the user, and the account of (1) carries out the account when operating in the website to own, the user by double card double standby mobile phone (3) with the circuit of the telephone number of a SIM card wherein with the required operation information (6) of account's operation web page page input this account operation corresponding in the data communication method connecting to website (1), the user also uses double card double standby mobile phone (3) to cross telephone network (4) with the link tester of the telephone number of another SIM card wherein and calls out website (1) and set up voice conversation, the user uses double card double standby mobile phone (3) to send confirmation (7) to website (1) by this voice conversation then, checks the other side's telephone number of this operation information (6) and this confirmation (7) and this voice conversation by website (1) and just allows to carry out this account operation after errorless.
So just realized purpose of the present invention.
Advantage of the present invention is to surf the Net to when the website of online service (1) is provided, adopt two different communication path exchange messages between website (1) and the mobile phone (3), wherein, what be used to transmit some information relevant with operation such as operation informations such as web page contents and logon name (6) is to transmit with data communication method by the circuit of the telephone number of a SIM card wherein, and what be used to transmit confirmations (7) such as some important information such as password is to transmit in the voice conversation mode by the circuit of the telephone number of another SIM card wherein, even the hacker has stolen logon name and password, the mobile phone (3) that does not have the user, the hacker can't be sent to the website with confirmation (7) with user's mobile phone (3), the account who just can't the fake user Website login enters the user has just ensured the safety of user account.
[description of drawings]
Fig. 1 is the schematic illustration that use double card double standby mobile phone connecting to website of the present invention carries out safe account operation method.
Among the figure, the system that identical digitized representation is identical, device, parts device, accompanying drawing are schematically, in order to the principal character of method of the present invention to be described.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the schematic illustration that use double card double standby mobile phone connecting to website of the present invention carries out safe account operation method, comprise the website (1) that online service is provided shown in the figure, user's double card double standby mobile phone (3), telephone network (4), the Internet (5), wherein, the circuit of website (1) by the Internet (5) and telephone network (4) and the wherein telephone number of a SIM card of double card double standby mobile phone (3) be with data communication method telecommunication line mutually, and website (1) while circuit that can pass through telephone network (4) and the telephone number of wherein another SIM card of double card double standby mobile phone (3) is with voice conversation mode telecommunication line mutually.In this manual, described telephone network (4) comprises mobile telephone network and/or fixed telephone network, and described mobile telephone network comprises the mobile telephone network that GSM, CDMA, 3G or the like are all kinds of.In this manual, double card double standby mobile phone (3) mutually during the telecommunication line, can pass through wireless application protocol (wap), general packet radio service technology (GPRS) with data communication method and website (1), strengthens data transfer rate GSM evolution (EDGE), high speed circuit switched data (HSCSD), Universal Mobile Telecommunications System (UMTS), high speed downlink packet insert (HSDPA), high speed uplink packet inserts online such as (HSUPA) mode line.In addition, website (1) is except being provided with Website server, also interactive voice answering (IVR to be set, Interactive Voice Response) device (2) and be used for and user's double card double standby mobile phone (3) between carry out the telephone line of voice conversation, the while Website server also will be preserved the telephone number of each SIM card of double card double standby mobile phone (3) of each account's user.
Double card double standby mobile phone described in this specification (3) is to be provided with two groups of mobile phones to receive radiating circuit and two SIM cards, can use the telephone number of two SIM cards to do communication respectively, the telephone number that can use a SIM card wherein is with data communication method connecting to website (1), and the telephone number that uses another SIM card is then with interactive voice answering device (2) the line input validation information (7) of voice conversation mode and website (1).
Continue to consult Fig. 1, the use double card double standby mobile phone connecting to website that Fig. 1 shows first embodiment of the invention carries out safe account operation method, described method comprises the user, and the account of (1) carries out the account when operating in the website to own, the user by double card double standby mobile phone (3) with the circuit of the telephone number of a SIM card wherein with the required operation information (6) of account's operation web page page input this account operation corresponding in the data communication method connecting to website (1), then website (1) telephone number of calling out another SIM card of double card double standby mobile phone (3) by telephone network (4) set up a web site (1) and double card double standby mobile phone (3) between voice conversation, website (1) receives user's affirmation information (7) by this voice conversation then, and website (1) is checked this operation information (6) and this confirmation (7) and just allowed to carry out this account after errorless and operate.
In the first embodiment of the present invention, described account's operation can comprise: login enters the operation of website (1), transfer accounts operation, delivery operation or the like, provide the website of online Stock Trading service if website (1) to be share certificate capable, described account's operation also comprises Stock Trading operation etc., and the content aspect of operation information (6) and confirmation (7), different account's operations have different contents, below are the case illustrated of these different accounts operations and operation information (6) and confirmation (7):
● described account's operation is the operation that login enters website (1), and described operation information (6) comprises logon name, and described confirmation (7) comprises login password.
● described account's operation is the account transfer operation, and described operation information (6) comprises transfer amount and/or collecting account information, and described confirmation (7) comprises account password.
● described account's operation is delivery operation, and described operation information (6) comprises payment and/or collecting account information, and described confirmation (7) comprises payment cipher.
● described account's operation is the Stock Trading operation, and described operation information (6) comprises stock number and/or stock name and/or Stock Trading valency and/or the stock quantity and/or the Stock Trading line amount of money, and described confirmation (7) comprises the affirmation password.
In addition, carry out in the safe account operation method at use double card double standby mobile phone connecting to website of the present invention, set up the speech channel except calling out double card double standby mobile phone (3) by telephone network (4), can also adopt by double card double standby mobile phone (3) and set up speech channel by telephone network (4) calling website (1) by website (1).It below is the explanation of the second embodiment of the present invention, second embodiment adopts to be made a call by double card double standby mobile phone (3) to set up speech channel, the method of second embodiment comprises the user, and the account of (1) carries out the account when operating in the website to own, the user by double card double standby mobile phone (3) with the circuit of the telephone number of a SIM card wherein with the required operation information (6) of account's operation web page page input this account operation corresponding in the data communication method connecting to website (1), the user also uses double card double standby mobile phone (3) to cross telephone network (4) with the link tester of the telephone number of another SIM card wherein and calls out website (1) and set up voice conversation, the user uses double card double standby mobile phone (3) to send confirmation (7) to website (1) by this voice conversation then, checks the other side's telephone number of this operation information (6) and this confirmation (7) and this voice conversation by website (1) and just allows to carry out this account operation after errorless.
In the second embodiment of the present invention, described account operation, operation information (6) and confirmation (7) wait and above-mentioned first embodiment in the account operate, operation information (6) and confirmation (7) etc. are identical, describe in detail among relevant in front first embodiment, so no longer repeat specification here.
In addition, though the present invention is illustrated with the above embodiments, the present invention is not limited to this, under the situation of the scope of not leaving spirit of the present invention and appended claims, can do multiple change and variation.
Use double card double standby mobile phone connecting to website of the present invention carries out safe account operation method, can effectively resist the problem that the hacker usurps the account, and its enforcement can ensure user's Account Security.
Claims (10)
1. one kind is used the double card double standby mobile phone connecting to website to carry out safe account's method of operating, described website comprises the Web bank website, the capable website of share certificate, shopping websites etc. are provided with user's account's website, it is characterized in that, described method comprises the user, and the account of (1) carries out the account when operating in the website to own, the user by double card double standby mobile phone (3) with the circuit of the telephone number of a SIM card wherein with the required operation information (6) of account's operation web page page input this account operation corresponding in the data communication method connecting to website (1), then website (1) telephone number of calling out another SIM card of double card double standby mobile phone (3) by telephone network (4) set up a web site (1) and double card double standby mobile phone (3) between voice conversation, website (1) receives user's affirmation information (7) by this voice conversation then, and website (1) is checked this operation information (6) and this confirmation (7) and just allowed to carry out this account after errorless and operate.
2. use double card double standby mobile phone connecting to website as claimed in claim 1 carries out safe account's method of operating, it is characterized in that, described account's operation is the operation that login enters website (1), described operation information (6) comprises logon name, and described confirmation (7) comprises login password.
3. use double card double standby mobile phone connecting to website as claimed in claim 1 carries out safe account's method of operating, it is characterized in that, described account's operation is the account transfer operation, described operation information (6) comprises transfer amount and/or collecting account information, and described confirmation (7) comprises account password.
4. use double card double standby mobile phone connecting to website as claimed in claim 1 carries out safe account's method of operating, it is characterized in that, described account's operation is delivery operation, described operation information (6) comprises payment and/or collecting account information, and described confirmation (7) comprises payment cipher.
5. use double card double standby mobile phone connecting to website as claimed in claim 1 carries out safe account's method of operating, it is characterized in that, described account's operation is the Stock Trading operation, described operation information (6) comprises stock number and/or stock name and/or Stock Trading valency and/or the stock quantity and/or the Stock Trading line amount of money, and described confirmation (7) comprises the affirmation password.
6. one kind is used the double card double standby mobile phone connecting to website to carry out safe account's method of operating, described website comprises the Web bank website, the capable website of share certificate, shopping websites etc. are provided with user's account's website, it is characterized in that, described method comprises the user, and the account of (1) carries out the account when operating in the website to own, the user by double card double standby mobile phone (3) with the circuit of the telephone number of a SIM card wherein with the required operation information (6) of account's operation web page page input this account operation corresponding in the data communication method connecting to website (1), the user also uses double card double standby mobile phone (3) to cross telephone network (4) with the link tester of the telephone number of another SIM card wherein and calls out website (1) and set up voice conversation, the user uses double card double standby mobile phone (3) to send confirmation (7) to website (1) by this voice conversation then, checks the other side's telephone number of this operation information (6) and this confirmation (7) and this voice conversation by website (1) and just allows to carry out this account operation after errorless.
7. use double card double standby mobile phone connecting to website as claimed in claim 6 carries out safe account's method of operating, it is characterized in that, described account's operation is the operation that login enters website (1), described operation information (6) comprises logon name, and described confirmation (7) comprises login password.
8. use double card double standby mobile phone connecting to website as claimed in claim 6 carries out safe account's method of operating, it is characterized in that, described account's operation is the account transfer operation, described operation information (6) comprises transfer amount and/or collecting account information, and described confirmation (7) comprises account password.
9. use double card double standby mobile phone connecting to website as claimed in claim 6 carries out safe account's method of operating, it is characterized in that, described account's operation is delivery operation, described operation information (6) comprises payment and/or collecting account information, and described confirmation (7) comprises payment cipher.
10. use double card double standby mobile phone connecting to website as claimed in claim 6 carries out safe account's method of operating, it is characterized in that, described account's operation is the Stock Trading operation, described operation information (6) comprises stock number and/or stock name and/or Stock Trading valency and/or the stock quantity and/or the Stock Trading line amount of money, and described confirmation (7) comprises the affirmation password.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910106096A CN101848450A (en) | 2009-03-25 | 2009-03-25 | Safe account operation method by connecting to website via double-card and double-standby mobile phone |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910106096A CN101848450A (en) | 2009-03-25 | 2009-03-25 | Safe account operation method by connecting to website via double-card and double-standby mobile phone |
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| CN101848450A true CN101848450A (en) | 2010-09-29 |
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| CN200910106096A Pending CN101848450A (en) | 2009-03-25 | 2009-03-25 | Safe account operation method by connecting to website via double-card and double-standby mobile phone |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1815957A (en) * | 2005-02-04 | 2006-08-09 | 乐金电子(中国)研究开发中心有限公司 | User identification method of mobile communication terminal in wireless local area network |
| WO2008007162A1 (en) * | 2006-07-11 | 2008-01-17 | Ultra Proizvodnja Elektronskih Naprav D.O.O | Customer identification and authentication procedure for online internet payments using mobile phones |
| CN101193372A (en) * | 2006-11-20 | 2008-06-04 | 太思科技股份有限公司 | Security method for dual card combination |
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2009
- 2009-03-25 CN CN200910106096A patent/CN101848450A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1815957A (en) * | 2005-02-04 | 2006-08-09 | 乐金电子(中国)研究开发中心有限公司 | User identification method of mobile communication terminal in wireless local area network |
| WO2008007162A1 (en) * | 2006-07-11 | 2008-01-17 | Ultra Proizvodnja Elektronskih Naprav D.O.O | Customer identification and authentication procedure for online internet payments using mobile phones |
| CN101193372A (en) * | 2006-11-20 | 2008-06-04 | 太思科技股份有限公司 | Security method for dual card combination |
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Address after: The International Chamber of Commerce building, No. 2 Beijing 100035 Xicheng District huapichang alley 16 Applicant after: Huang Jinfu Address before: 100032, Beijing, Financial Street, Xicheng District No. 27 investment Plaza, block B, 19 Applicant before: Huang Jinfu |
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| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20100929 |