CN103236009A - Dynamic token, trade information preset method and trade method based on dynamic password - Google Patents
Dynamic token, trade information preset method and trade method based on dynamic password Download PDFInfo
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Abstract
An embodiment of the invention provides a dynamic token, a trade information preset method and a trade method based on a dynamic password and is applied to the information safety technical field. The dynamic token comprises a trade preset module. The trade preset module is used for receiving a user's trade preset orders, further receiving trade information inputted by the user after receiving the trade preset orders, and generating preset index information and trade detail information according to the trade information and then storing, so that the problem of low using convenience caused by redundancy of to-be-inputted information is solved. The redundant information such as account information is preset in the internal storage of the dynamic token, so that the user does not need to input the account information repeatedly, input accuracy is improved, and using convenience and safety of the dynamic token in trade are greatly increased.
Description
Technical field
The present invention relates to the safety technique field, relate in particular to a kind of dynamic token, Transaction Information pre-setting method and based on the method for commerce of dynamic password.
Background technology
Dynamic password, namely generate unpredictable and be difficult to crack a random authentication character string password according to specific algorithm, and the password of each generation can only once use effectively, and be defined interval effective time of authentication, thereby can be used for validation of a user's identity, thereby make to ensure the professional legitimacy of using on the legal basis of user identity, be widely used in the OA system of bank, security and third party's payment, large enterprise.The dynamic token that is used for generating described dynamic password is again that dynamic token is generally user terminal, application system terminal or enterprise terminal.
Especially, the personal user is in its daily life, and finishing payment behaviors such as the water power coal is paid the fees, shopping by PC or mobile phone no longer is fresh thing.Each big bank has released products such as dynamic token one after another for ensureing the safety of payment process.Usually, the user obtains one group of dynamic password after dynamic token is imported Transaction Information (as dealing money, transaction number of the account etc.), should organize password again and be committed to bank and authenticate the backstage, finishes the authentication to this true and false of concluding the business.Because dynamic password and traditional password login mode almost are as good as, so multiple transaction channels such as bank, Mobile banking, telephone bank have obtained widespread use on the net.
But, for the security that guarantees to conclude the business, having only the sufficiently long information content of input, dynamic token could be confirmed and signs the Transaction Information integrality.The user often needs to import tediously long Transaction Information, and dynamic token often build is comparatively small and exquisite, I is less, and the situation of input error takes place easily, it is relatively poor to cause the user to experience.
Summary of the invention
For the security that guarantees to conclude the business, improve the convenience that the user uses dynamic token again as much as possible, the embodiment of the invention provides a kind of dynamic token, Transaction Information pre-setting method to reach the method for commerce based on dynamic password.
In order to realize aforementioned goal of the invention, the embodiment of the invention provides a kind of dynamic token, and described dynamic token is to realize by following technical scheme:
A kind of dynamic token, described dynamic token comprises:
Transaction presets module, and the transaction that is used for accepting the user presets instruction, and when receiving after described transaction presets instruction, continues to accept the Transaction Information of user's input, generates predetermined index information and transaction details information and preservation according to described Transaction Information.
In order to realize aforementioned goal of the invention, the embodiment of the invention also provides a kind of Transaction Information pre-setting method, and described method is to realize by following technical scheme:
A kind of Transaction Information pre-setting method, described method comprises the steps:
The transaction that receives the user presets instruction;
When receiving after described transaction presets instruction, continue to accept the Transaction Information of user's input;
According to the Transaction Information that receives, generate predetermined index information and transaction details information;
Store index information and the transaction details information of described generation.
In order to realize aforementioned goal of the invention, the embodiment of the invention also provides a kind of method of commerce based on dynamic password, and described method of commerce is to realize by following technical scheme:
A kind of method of commerce based on dynamic password said method comprising the steps of:
The transaction of accepting the user presets instruction, and when receiving after described transaction presets instruction, continues to accept the Transaction Information of user's input;
Generate predetermined index information and transaction details information and preservation according to described Transaction Information;
When the user uses dynamic token to generate dynamic password, point out the user whether to select the Transaction Information that presets;
When Transaction Information that the user selects to preset, according to described index information option dealing managing detailed catalogue;
Determine described transaction details information, generate dynamic password according to described transaction details information.
The embodiment of the invention is by providing a kind of new dynamic token, Transaction Information pre-setting method and based on the method for commerce of dynamic password, avoid because of the information of needs inputs tediously long, cause the not high problem of ease of use, and be preset in the internal memory of dynamic token by the information that these are tediously long such as account information, both avoided the user to import these account information repeatedly, can improve the input correctness again, greatly improve ease of use and the security of dynamic token in transaction.
Description of drawings
The present invention is further described below in conjunction with drawings and Examples:
Fig. 1 is the composition synoptic diagram of the embodiment of the invention 1 dynamic token;
Fig. 2 presets the composition synoptic diagram of module for the embodiment of the invention 2 transaction;
Fig. 3 is the schematic flow sheet of the embodiment of the invention 3 Transaction Information pre-setting methods;
Fig. 4 is that the embodiment of the invention 4 is based on the schematic flow sheet of the method for commerce of dynamic password.
Embodiment
In the use of conventional dynamic token, the user need import the Transaction Informations such as number of the account of longer figure place, and the embodiment of the invention provides a kind of new dynamic token.As shown in Figure 1, the embodiment of the invention 1 provides a kind of dynamic token, and described dynamic token comprises:
Transaction presets module, and the transaction that is used for accepting the user presets instruction, and when receiving after described transaction presets instruction, continues to accept the Transaction Information of user's input, generates predetermined index information and transaction details information and preservation according to described Transaction Information.
In the embodiment of the invention 1, dynamic token comprises a transaction and presets module, be used for carrying out preestablishing and preserving of user's current transaction information, avoid the user in process of exchange each time, need input Transaction Information in time, and because the size of electronic cipher is generally less, and be unfavorable for that the user carries out input operation when transaction.Therefore, preestablish Transaction Information and preservation, be conducive to improve the convenience of transaction, more guarantee security and accuracy in the process of exchange, avoid the user because of incorrect input and determine to cause transaction errors to cause damage.Wherein, described index information generally includes trading object, number of the account and/or the amount of money, and described transaction details information comprises trading object information, account information and/or amount information etc.
Further, as shown in Figure 2, the described transaction of the embodiment of the invention 2 presets module and specifically comprises:
Instruction module, the transaction that is used for receiving the user presets instruction;
Instruction module can be by one " preset " button realizes that after the user pressed described " presetting " button, the transaction that namely receives the user presetted instruction.
Load module is used for continuing to accept the Transaction Information of user's input when receiving after described transaction presets instruction;
Here, load module can be the keyboard on the dynamic token, is used for receiving the character string of user's input, forms Transaction Informations such as last literal or array.
Load module also can be the communication interface of dynamic token and other-end equipment, as USB interface etc., is used for receiving the input of user on other-end equipment.Wherein, other-end equipment comprises PC, enterprise application terminal or application server etc.In use namely, the user can for example be connected with PC by being connected with other-end equipment, finishes the input that presets, or in the enterprise application terminal or the bank server terminal finish the process that presets, further improve security and the convenience of input.
Wherein, described Transaction Information includes but not limited to trading object information, account information and/or amount information etc.
Preset module, be used for generating predetermined index information and transaction details information according to the Transaction Information that receives;
Wherein, described index information generally includes trading object, number of the account and/or the amount of money, and described transaction details information comprises trading object information, account information and/or amount information etc.
Memory module is used for storing index information and the transaction details information of described generation.
Therefore, comprise one " presetting " button (independence or composite-key all can) at dynamic token.After the user presses " presetting ", dynamic token will point out the user to import set of number information or character information, and after input is finished, dynamic token will be organized numeral or character Transaction Information according to this, generate index information, and deposit in to the dynamic token internal memory.
When treating that the user uses dynamic token to generate the signature dynamic password, dynamic token will inquire whether the user selects to preset account information, the user only need press " page turning " key on the keyboard, and the Transaction Information of selecting this exchange to need is pressed " determining " key and can be finished input.
The embodiment of the invention is by providing a kind of new dynamic token, avoid because of the information of needs inputs tediously long, cause the not high problem of ease of use, and be preset in the internal memory of dynamic token by the information that these are tediously long such as account information, both avoided the user to import these account information repeatedly, can improve the input correctness again, greatly improve ease of use and the security of dynamic token.
In order to realize aforementioned goal of the invention, as shown in Figure 3, the embodiment of the invention 3 provides a kind of Transaction Information pre-setting method, and described method comprises the steps:
S101. the transaction that receives the user presets instruction;
Described transaction presets instruction can be by one " preset " button realizes that after the user pressed described " presetting " button, the transaction that namely receives the user presetted instruction.
S102. when receiving after described transaction presets instruction, continue to accept the Transaction Information of user's input;
Here, input can be finished by the keyboard on the dynamic token, and the character string with the input that receives the user forms Transaction Informations such as last literal or array.
Input action also can be finished by the communication of dynamic token and other-end equipment, as USB interface etc., to receive the input of user on other-end equipment.Wherein, other-end equipment comprises PC, enterprise application terminal or application server etc.In use namely, the user can for example be connected with PC by being connected with other-end equipment, finishes the input that presets, or in the enterprise application terminal or the bank server terminal finish the process that presets, further improve security and the convenience of input.
Wherein, described Transaction Information includes but not limited to trading object information, account information and/or amount information etc.
S103. according to the Transaction Information that receives, generate predetermined index information and transaction details information;
Wherein, described index information generally includes trading object, number of the account and/or the amount of money, and described transaction details information comprises trading object information, account information and/or amount information etc.The setting of index information more is conducive to the user and carries out searching of Transaction Information and definite.
S104. store index information and the transaction details information of described generation.
Therefore, comprise one " presetting " button (independence or composite-key all can) at dynamic token.After the user presses " presetting ", dynamic token will point out the user to import set of number information or character information, and after input is finished, dynamic token will be organized numeral or character Transaction Information according to this, generate index information, and deposit in to the dynamic token internal memory.
The embodiment of the invention is by providing a kind of Transaction Information pre-setting method, avoid because of the information of needs inputs tediously long, cause the not high problem of ease of use, and be preset in the internal memory of dynamic token by the information that these are tediously long such as account information, both avoided the user to import these account information repeatedly, can improve the input correctness again, greatly improve ease of use and the security of dynamic token.
In order to realize goal of the invention of the present invention, as shown in Figure 4, the embodiment of the invention 4 also provides a kind of method of commerce based on dynamic password, and described method comprises:
S201. the transaction of accepting the user presets instruction, and when receiving after described transaction presets instruction, continues to accept the Transaction Information of user's input;
S202. generate predetermined index information and transaction details information and preservation according to described Transaction Information;
S203. when the user uses dynamic token to generate dynamic password, point out the user whether to select the Transaction Information that presets;
S204. when Transaction Information that the user selects to preset, according to described index information option dealing managing detailed catalogue;
S205. determine described transaction details information, generate dynamic password according to described transaction details information.
When treating that the user uses dynamic token to generate the signature password, dynamic token will inquire whether the user selects to preset account information, the user only need press " page turning " key on the keyboard, the account information of selecting this exchange to need, press " determining " key, dynamic token is brought the numerical information of this index point into cryptographic calculations automatically, generates dynamic password.
The embodiment of the invention is by providing a kind of new dynamic token and Transaction Information pre-setting method, avoid because of the information of needs inputs tediously long, cause the not high problem of ease of use, and be preset in the internal memory of dynamic token by the information that these are tediously long such as account information, both avoided the user to import these account information repeatedly, can improve the input correctness again, greatly improve ease of use and the security of dynamic token.
Those skilled in the art will recognize that; above-mentioned embodiment is exemplary; be in order to make those skilled in the art can better understand this patent content; should not be understood as the restriction to this patent protection domain; change or modify so long as disclose spiritual any being equal to of doing according to this patent, all fall into this patent protection domain.
Claims (10)
1. a dynamic token is characterized in that, described dynamic token comprises:
Transaction presets module, and the transaction that is used for accepting the user presets instruction, and when receiving after described transaction presets instruction, continues to accept the Transaction Information of user's input, generates predetermined index information and transaction details information and preservation according to described Transaction Information.
2. dynamic token as claimed in claim 1 is characterized in that, described transaction presets module and specifically comprises:
Instruction module, the transaction that is used for receiving the user presets instruction;
Load module is used for continuing to accept the Transaction Information of user's input when receiving after described transaction presets instruction;
Preset module, be used for generating predetermined index information and transaction details information according to the Transaction Information that receives;
Memory module is used for storing index information and the transaction details information of described generation.
3. dynamic token as claimed in claim 2 is characterized in that, described instruction module comprises one " preset " button, after the user pressed described " presetting " button, the transaction that namely receives the user presetted instruction.
4. dynamic token as claimed in claim 2 is characterized in that, described load module is the keyboard on the dynamic token, is used for receiving the character string of user's input.
5. dynamic token as claimed in claim 2 is characterized in that, described load module is the communication interface of dynamic token and external terminal device.
6. a Transaction Information pre-setting method is characterized in that, described method comprises the steps:
The transaction that receives the user presets instruction;
When receiving after described transaction presets instruction, continue to accept the Transaction Information of user's input;
According to the Transaction Information that receives, generate predetermined index information and transaction details information;
Store index information and the transaction details information of described generation.
7. Transaction Information pre-setting method as claimed in claim 6 is characterized in that, described transaction presets instruction can be by one " preset " button generates.
8. Transaction Information pre-setting method as claimed in claim 6 is characterized in that, and is described when receiving after described transaction presets instruction, and the Transaction Information that continues to accept user's input specifically comprises:
Receive the character string of user's input by the keyboard on the dynamic token;
Perhaps finish by the communication of dynamic token and external terminal device, to receive the input of user on other-end equipment.
9. Transaction Information pre-setting method as claimed in claim 6 is characterized in that, described index information comprises trading object, number of the account and/or the amount of money, and described transaction details information comprises trading object information, account information and/or amount information.
10. the method for commerce based on dynamic password is characterized in that, said method comprising the steps of:
The transaction of accepting the user presets instruction, and when receiving after described transaction presets instruction, continues to accept the Transaction Information of user's input;
Generate predetermined index information and transaction details information and preservation according to described Transaction Information;
When the user uses dynamic token to generate dynamic password, point out the user whether to select the Transaction Information that presets;
When Transaction Information that the user selects to preset, according to described index information option dealing managing detailed catalogue;
Determine described transaction details information, generate dynamic password according to described transaction details information.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2013100982886A CN103236009A (en) | 2013-03-26 | 2013-03-26 | Dynamic token, trade information preset method and trade method based on dynamic password |
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| CN2013100982886A CN103236009A (en) | 2013-03-26 | 2013-03-26 | Dynamic token, trade information preset method and trade method based on dynamic password |
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| CN106464492A (en) * | 2013-10-11 | 2017-02-22 | 维萨国际服务协会 | Network token system |
| CN108292403A (en) * | 2015-05-01 | 2018-07-17 | 缇零网股份有限公司 | The method and system of the security platform of digital encryption and security platform for the digital encryption |
| US11093936B2 (en) | 2013-07-24 | 2021-08-17 | Visa International Service Association | Systems and methods for communicating token attributes associated with a token vault |
| CN115242379A (en) * | 2019-04-29 | 2022-10-25 | 谷歌有限责任公司 | System and method for distributed authentication of online identities |
| US12346903B2 (en) | 2014-06-05 | 2025-07-01 | Visa International Service Association | Identification and verification for provisioning mobile application |
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| US20100017396A1 (en) * | 2008-07-16 | 2010-01-21 | Sony Computer Entertainment Inc. | Related Information Presentation System, Related Information Presentation Method, and Information Storage Medium |
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Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
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| US11093936B2 (en) | 2013-07-24 | 2021-08-17 | Visa International Service Association | Systems and methods for communicating token attributes associated with a token vault |
| US12400223B2 (en) | 2013-07-24 | 2025-08-26 | Visa International Service Association | Systems and methods for communicating risk using token assurance data |
| US11915235B2 (en) | 2013-07-24 | 2024-02-27 | Visa International Service Association | Systems and methods for communicating token attributes associated with a token vault |
| US12205110B2 (en) | 2013-10-11 | 2025-01-21 | Visa International Service Association | Network token system |
| US10891610B2 (en) | 2013-10-11 | 2021-01-12 | Visa International Service Association | Network token system |
| US11710119B2 (en) | 2013-10-11 | 2023-07-25 | Visa International Service Association | Network token system |
| CN106464492B (en) * | 2013-10-11 | 2020-02-07 | 维萨国际服务协会 | network token system |
| CN106464492A (en) * | 2013-10-11 | 2017-02-22 | 维萨国际服务协会 | Network token system |
| US12346903B2 (en) | 2014-06-05 | 2025-07-01 | Visa International Service Association | Identification and verification for provisioning mobile application |
| CN108292403B (en) * | 2015-05-01 | 2022-12-06 | 缇零知识产权有限责任公司 | Digitally encrypted securities platform and method and system for said digitally encrypted securities platform |
| CN108292403A (en) * | 2015-05-01 | 2018-07-17 | 缇零网股份有限公司 | The method and system of the security platform of digital encryption and security platform for the digital encryption |
| CN115242379A (en) * | 2019-04-29 | 2022-10-25 | 谷歌有限责任公司 | System and method for distributed authentication of online identities |
| CN115242379B (en) * | 2019-04-29 | 2025-08-05 | 谷歌有限责任公司 | System and method for distributed verification of online identities |
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