CN1614610A - Petty paying method based on dynamic cipher - Google Patents
Petty paying method based on dynamic cipher Download PDFInfo
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- CN1614610A CN1614610A CNA2004100813357A CN200410081335A CN1614610A CN 1614610 A CN1614610 A CN 1614610A CN A2004100813357 A CNA2004100813357 A CN A2004100813357A CN 200410081335 A CN200410081335 A CN 200410081335A CN 1614610 A CN1614610 A CN 1614610A
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Abstract
A method of electronic petty payment based on dynamic code includes providing a special account paid with electronic payment for the user by fund director, sending dynamic code identification of certification to fund director through service provider by the user for fund director's certification, depositing top limit amount of money for the transaction on the account by fund director after the user certified, transferring the transaction amount of money to service provider from user's auount after the transaction onfirmed.
Description
Technical field
The present invention is based on the doit electronic payment method of dynamic password technology.Relate to and need the extensive stock paid and the mode of payment of service transacting, the payment of especially little trading in the communication network system.
Background technology
For a long time, there is great demand in market to noncash mode of payment and system based on communication network system.Particularly introduce after the Internet, people are starved of a kind of suitable little amount of money payment (as visit charge webpage, download message etc.) method.Solution of Shi Yonging or not enough safe ready in the market, otherwise more complicated and cost are higher, are not suitable for widespread usage.
On network, use the dangerous well-known of bank deposit card or Credit Card Payments.This method is because the fixed password that uses is easy to be stolen, and credit card can overdraw, in case illegally used, endangers very big.Use the mobile phone account payment, not only have the user to be difficult for maybe can not controlling the risk of payment, and relate to the problem of Financial Management.Similarly some short messages are propped up to repay and are had problems such as not having real-time ensuring.
The also useful application-specific integrated circuit card (comprising radio-frequency card) or the modes of payments that bank and mobile phone account are bound on SIM card.
Be stored in the payment server with a cover identification code, when user-pay, this cover identification code provided to the user, then identification code is passed to the mode that the service provider is used to pay the bill.
Perhaps replenish or buy dynamic cookie-like record, when visit charge webpage, with the mode of this dynamic cookie-like record as stored value card at issue department.
The said method or the more complicated of build, the user uses comparatively loaded down with trivial details; Perhaps require to continue to be connected with system, the user side cost is than higher; Perhaps the user is difficult for maybe can not controlling payment, uses underaction or the like.
Small amount payment need a kind of simpler, fast, mode of payment efficiently, in fact the small amount payment security requirement is lower, but outstanding requirement is being arranged aspect simplicity and the controllability, key is that the user not only can be at any time with very little amount payment, and can stop this payment at any time, promptly to have extremely convenient and control completely at user side.
Summary of the invention
The present invention is intended to overcome the deficiency that the noncash mode of payment of above-mentioned existing communication network system exists, and the characteristics that make full use of dynamic password provide a kind of method that small amount payment requires that adapts to.The payment system that this method adopted is made of user side, service provider and capital management person, and these compositions interconnect by various communication networks.When the user need be when the service provider be provided by the expense of its extensive stock that provides and service, can use dynamic password as the authentication sign, after capital management person authenticates the user according to this authentication sign, the highest transaction limit (the dealing money upper limit) of user's appointment is laid in user's specified account, after user and service provider's trade confirmation, capital management person changes the dealing money on user's specified account (not being higher than its upper limit) over to service provider's account again, realizes simplicity and controllability based on the noncash payment of communication network system thus.
For achieving the above object, the technical solution used in the present invention is as follows:
Petty paying method based on dynamic password is characterized in that: form small amount payment system by client, service provider and capital management person and account database thereof, these compositions link together by communication network system; Capital management person provides user's specified account that is used to pay by mails, the user passes to capital management person by the service provider with the dynamic cipher verification sign, capital management person authenticates the user according to this dynamic cipher verification sign, after the user authenticated, capital management person is that dealing money upper limit deposit is in user account with the highest dealing money, conclude the business between user and the service provider, behind the trade confirmation, capital management person will not be higher than the dealing money of its upper limit and be given to the service provider by user account.
In payment system, authentication items be used for the explicit user identity authentication scenario and (or) authorization conditions of behavior.Need subscriber identity information (as user name) and authentication sign (as dynamic password) during authentication simultaneously.But if can otherwise infer user's identity information, authentication is only based on the authentication sign so.
The invention provides the system of easy to operate a, easy care, improve the security of small amount payment, and cost is low.This method also can farthest reduce user's financial risk simultaneously.Because for each transaction, the remaining sum of the just the highest dealing money of unique possible loss.In addition, capital management person and service provider's risk is also very low.Simultaneously, no matter this system still is the capital management person concerning user, service provider, uses all very conveniently, only needs information seldom each other.In addition, this method and system is easy to carry out, because existing banking system, Verification System, information capital construction etc. are widely used.This method also can become very flexibly, dynamically, and be applicable to different clients, different COS and different occasions etc. of buying.
User account is exclusively used in electronic cash, therefore, can control risk better.
User account has a total charge the highest (the highest total charge that allows the account to store), can reduce the risk of each side like this.
In example of the present invention, the highest total charge in the user account and (or) the highest dealing money determines by the user, so just improved the dirigibility of system.
The user can be given to capital management person by the service provider with the authentification of user sign, also can directly be given to capital management person.
The subscriber data that the user will be used to authenticate is passed to capital management person together with the authentification of user sign.
In addition, service provider's information is passed to capital management person from the service provider and is used for the service provider is authenticated.Can automatically dealing money be forwarded to service provider's the account from user account like this.
Transaction comprises the data that download or access services provider have.
Transaction also can comprise at least two different purchase activities, and these two different purchase activities can in time be separated.
In a preferred embodiments, this method also comprise the user the service provider and (or) the up-to-date payment information at capital management person place.Payment information comprises one of following message at least: user account remaining sum, reserve amount, consume the amount of money and remaining sum, be given to service provider's the amount of money.
In addition, by this method, the user can stop continuous business at any time.This has increased user's controllability, and further reduces risk.
In example of the present invention, capital management person at least also need provide the another one account to the user, but this account who provides in addition can not be used for the purchase payment, can further reduce risk like this.Simultaneously, the account transfer between the account is very simple.If user's different accounts are managed by same capital management person, then different accounts should adopt different authentication signs, to reduce user's risk.
According to another preferred embodiments of the present invention, this method also comprises is given to capital management person with another one authentification of user sign from the user, and capital management person authenticates the user according to this authentication sign then.After the user authenticated, can also lay in a dealing money the highest on the user account.The process that the consumption amount of money is given to the service provider from user account should relate to the highest all dealing money.Therefore, the highest dealing money limited subscriber Maximum Amount that can be used for buying not.Simultaneously with risk control at floor level, and the user is bigger to the controllability of the amount of money.
Another aspect of the present invention relates to the corresponding system of finishing purchase-transaction, and system comprises at least one subscriber unit, at least one service provision unit and at least one capital management unit, and all unit all link together by a communication network.The device that native system comprises an accounts database (specified account that has a user at least) at capital management person place, authenticate the user according to the authentication sign of subscriber unit input, to the user authenticate the back in user account deposit purchase device by network of device, user and the service provider of high dealing money, the amount of money that will effectively conclude the business from the user account are given to service provider's device (amount of money that produces should be less than or equal the highest dealing money).
Native system also comprises the advantage and the characteristics of said method.
About the wider scope of application of the present invention, see also detailed description hereinafter.But, have only explanatory note in order to detailed description and the instantiation that the preferred embodiments of inventing is described, because can describing in detail by these, the professional and technical personnel understands spirit and scope of the invention interior various variations and modification.
Description of drawings
For the purpose of illustration, will the present invention be described in further detail by the example in the accompanying drawing below.Appended drawing comprises:
The system schematic of Fig. 1 example of the present invention;
The user interface windows synoptic diagram of Fig. 2 example of the present invention;
Fig. 3 electronic cash method flow synoptic diagram (according to first example of the present invention);
Fig. 4 electronic cash method flow synoptic diagram (according to second example of the present invention);
Fig. 5 electronic cash method flow synoptic diagram (according to the 3rd example of the present invention).
Embodiment
By example the present invention is described in further detail now.
Example shown in Figure 1 is mainly concerned with numeral in the digital communication system or electronic transaction, payment.System comprises at least one client or input media 11-13 (have several input medias better).Input media can be any device that the digital network interface can be provided for the user, as multi-purpose computer, mobile phone etc.In addition, this system also comprises at least one service provider (online service provider (OSP)) 21-23, and the service provider provides service (as visiting some information or limited network, visit file in download (as program, music, game on line etc.), search for etc.) by communication network.The service that offers the user can be certain data quantity (as access file or webpage), also can be certain access time (as playtime, recreation number of times etc.).
In addition, system comprises one or several capital management person 31-33.Capital management person comprises a capital management part (be used for leading subscriber account etc.) and an authentication management person (user being authenticated by communication system).Capital management person can be used as a server in the network, comprises an integrated unit or comprises several interconnective unit.In addition, each capital management person has the right to use at least one account or fund database 41-44.
Capital management person can be used as the part of the common net service of going to bank by bank management.
Capital management person or payment settlement center can manage hundreds of or several thousand terminal users' account.
Service provider and capital management person's common setting is well-known, and this paper does not do further discussion.
Native system also comprises a digital network 5, and this digital network connects input media, service provider and capital management person.Digital network can be wired, also can be wireless, can also have concurrently wired and wireless simultaneously.For instance, network can be wide area network (as: Internet).
Now, we are described in more detail the mode of payment of the example according to the present invention.In first example (Fig. 3), the user at first links to each other with an online service merchant (OSP) by communication network, and submits the service (first step) that needs purchase to.All services that the service provider can provide and the price of every kind of service can both clearly illustrate out (as being presented on the webpage).
Before buying realization, online service provider (OSP) prompting user selects a capital management person to manage and finish payment (second step).The data (as name, code, the network address etc.) that input can allow online service provider (OSP) identify capital management person illustrates capital management person's situation.Simultaneously, online service provider (OSP) can be listed capital management person's list, and like this, the user can select a capital management person from the capital management person who lists.The capital management person who selects answers at least one account's (can be used to carry out the account of electronic cash) of leading subscriber fund by this method.
Online service provider (OSP) simultaneously or require the user to import personally identifiable information and authentication sign after a while.The form of PIN (Personal Identification Number) and authentication sign is determined by the Verification System that capital management person adopted.Information and information format can be submitted to online service provider (OSP) before User login.
The personally identifiable information can be an identification code, a password or other any information types of discerning user identity.
Authentication sign should be to be used for a kind of information type that the user is authenticated.
The authentication sign comprises a dynamic password (OTC).Dynamic password offers user's (one-time pad) by serial coding form, also may provide with a kind of predetermined order.Every use once, the personal information that password generating apparatus all can provide according to the user generates a new password, for example individual PIN code etc.
But, also can use many dissimilar personal information.This dynamic password generating apparatus is the special device of developing, generating password by input medias such as keyboard, display and processors.This dynamic password generating apparatus can comprise a card reader (being used to read and write the card that smart card or IC-card (integrated circuit card) etc. have chip).Card reader can read the information in the card, and generates a disposable identification code (dynamic password) according to the signal of card reader.When the user concludes the business by digital network, can use this dynamic password to authenticate the identity of oneself.The dynamic password generating apparatus is preferably portable, and is not connected with communication network.
The preferably a string acyclic character of dynamic password.
In addition, the dynamic password device calculates dynamic password according to synchrodata (as incident sequence number or time value).Dynamic password of every generation, synchrodata will increase/upgrade (according to the regular time interval or any other regular event) automatically.
The Verification System that verification process of the present invention was applied to is seen " based on the identity authorization system of smart card and dynamic password " patent that the applicant declares separately: " Verification System is made of the Verification System of user side that produces dynamic password and identification dynamic password; user side comprises can be stored and the smart card of handling the information relevant with producing dynamic password, and the card reader that shows or transmit dynamic password; Verification System comprises the certificate server that is connected with various application systems by communication network.Smart card is identified by unduplicated smartcard identification sign indicating number, and receive the algorithm, key of the generation dynamic password come from Verification System and (this personally identifiable information can be write by certificate server with user-dependent personally identifiable information, also can pass through the Internet download), and initial random event count, and be associated with at least one application; Need each authentication of carrying out between user and the application system, smart card is connected with card reader, card reader is according to information that reads from smart card or more input information, generates and shows that an a string acyclic character based on personal information is a dynamic password.
The verification process of dynamic password is:
Individual subscriber identifying information and dynamic password are sent to Verification System;
Verification System is according to the relevant algorithm of storage, key, personally identifiable information and corresponding event count thereof be synchrodata calculate with user-dependent a series of authentication passwords be big window;
Selecting one or several most possible authentication passwords to constitute one group of less authentication password sequence from big window is wicket, the dynamic password that received and the authentication password in the wicket are compared, if this dynamic password is in wicket, then the user is by authentication, meanwhile, system according to the password of coupling to the synchrodata renewal of upgrading.
If the dynamic password that receives is outside the wicket, within the big window, then require the user to send a new dynamic password at least; If all in same sequence, then user identity obtains confirming for the dynamic password that this is new and first dynamic password, and is authorized to use service.At this moment system will upgrade synchrodata automatically according to the password of coupling equally; If the new dynamic password that takes place and first dynamic password be in same sequence, then the user can not the access authentication mandate, perhaps continues to require the user to send one or two new dynamic password, checks the continuity of these two dynamic passwords then in big window.
The production process of dynamic password is: smart card inserts card reader; under the effect of card reader power supply; card reader generates dynamic password according to the information of smart card and from the card reader input information; comprise the simple type dynamic password of not being with the PIN protection and be with the protection type dynamic password of PIN protection, and the simple and easy electronic signature functionality of band PIN protection and event argument.”
Receive user ID and dynamic password from the user, forward capital management person place (the 4th step) to from the service provider then.Comprise other extraneous informations (as service provider's identifying information) in addition.These data all are included in the packet, and the form of packet is predetermined.
Capital management person authenticates (the 5th step) according to the data that receive to the user.The method of describing in can the file by same applicant authenticates, and other two kinds of authentication modes are also feasible.
If because of other reasons causes authentication error or failure (the 6th step), authentication request will not be accepted (the 7th step), notification service provider simultaneously.So just can stop the transaction between user and the service provider or the visit of refusing user's.Through once or reexamination several times, this function just can realize.
If, then can enter purchase, payment program by authentication (the 6th step).Lay in a predetermined amount of money (the payable service provider's of giving of user the highest dealing money in the user account hereinafter referred to as) (the 8th step) then.By acknowledge message being sent to mode notification service provider such as service provider (the 9th step).Then the amount of money (as the highest dealing money) of deposit is informed the service provider, the highest dealing money that particularly allows different user is (this situation will be elaborated hereinafter) not simultaneously.
(the tenth step), the highest dealing money of deduction are simultaneously finished in purchase between user and the service provider then.As long as the highest dealing money also has remaining sum, just can also finish several purchase-transactions.Therefore to make regular check on the highest procurement value and whether use up (the 11 step) (can check immediately all whether the highest dealing money uses up before and after each purchase activity).Like this, the user can pass through the same service provider's of visit difference charge webpage etc., and does not need the repetition authentication procedure.
When the highest procurement value of service provider's discovery uses up (the 11 step), determine by inquiry user's mode whether the user plans to continue purchase (the 12 goes on foot).If the user plans to continue to buy, then the user sends an authentication sign (as a dynamic password) to online service provider (OSP) (the 14 step) once more, and online service provider (OSP) will authenticate sign and submit to capital management person's (the 15 step) then.As the service provider and (or) capital management person remains with user's information, and confirms that the user with last transaction is same user, then can omit the User Recognition process.
Capital management person authenticates the user according to the up-to-date authentication sign that provides then, repeats the 5th step (comprising for the 5th step) later program.
If the user determines to end the purchase activity in the 12 step, then the service provider notifies capital management person and the definite amount of money that should collect, and capital management person is from being given to the dealing money of collecting the user account service provider's (the 13 step) then.But the amount of money that produces can not be more than the highest dealing money of previous deposit.Reserve amount is generally the highest dealing money.But if several authentications sign is provided, then reserve amount be the highest dealing money * n (n represents to buy beginning or the number of times of success identity behind the funds transfer for the last time).
Because the unique possible loss of user has only reserve amount, so user's risk is lower.
Wire transfer can forward money among service provider's the account in the electronics mode.Can identify service provider's account by service provider's data that online service provider (OSP) provides.Online service provider (OSP) account can be managed by same capital management person or any other the capital management person who is connected on the network.Also can transfer accounts simultaneously by several different methods (as check etc.).
Finish purchase, course of payment (the 16 step).
Account's (as mentioned above) in order to pay the bill of capital management person's management can be used for above-mentioned payment.Capital management person also can be other traditional accounts of user management.Thus, fund is given to another account from an account easily.The user is because have the less disbursement account of remaining sum of a special use, so the risk that faces is also much smaller.Simultaneously, several accounts also can separate (different authentication sign etc. is provided) fully.But same authentication sign generating apparatus (as smart card) can be with generating all different authentications signs.Different type of accounts can be stored in (database links to each other with capital management person) in the same or different accounts databases.
The highest dealing money (once authenticating the Maximum Amount that can lay in) is a coefficient distributing to the account.
This coefficient can be predetermined by capital management person, also can be determined by the user.Though it is little that the user loses the risk of fund, the user is preferably own to determine oneself to be ready the risk size born.
This coefficient also is a coefficient distributing to the account, just is used for showing account's coefficient of high total value.This amount of money is represented the highest total value that allows the account to have.
All coefficients relevant with the account also can be controlled by network, can authenticate (seeing the technology part) to these coefficients in every way.In preferred embodiments, same dynamic password generating apparatus can be used for payment, also can be used for the management access to user account.But, in this case, use different dynamic password generator programs better, to allow the dynamic password of different purposes separate fully, increased security of users like this.
Purchase that in addition will be at least several times and (or) payment status message submits to the user.Preferably constantly submit this message (as being presented in the specific information window on user's screen) to.Fig. 2 has provided the diagram of this messagewindow 201.The information of submitting to can be provided by the service provider, also can be provided by capital management person, perhaps not only provides by the service provider but also by capital management person.
The information of submitting to comprises the amount of money (as the highest dealing money) of deposit, the amount of money and the remaining sum of collecting recently.This information may be displayed in the figure, also can carry out diagram by different way.
In graphic example, this information is shown by an independent window 202 total value of high dealing money (show) and " fragment of brick " (already used part in the highest procurement value of demonstration).In addition, the remaining sum of high procurement value or used the number percent 204 of the amount of money directly to show with numeral.And the remaining sum in the user account also can be shown.Simultaneously, any other also can show user's Useful Information in the purchasing process.
By the present invention, the user can at any time end to buy (press on the messagewindow 201 stop button 206 just can).Can directly stop to buy by stop button, simultaneously the amount of money of having collected in the highest dealing money is given to the service provider from user account.
Certainly, other user's controllable type hold function of purchase, payment program also can realize.
What Fig. 4 illustrated is another example.Unless otherwise indicated, then this example also comprises aspect and feature according to first case discuss.In this example, user's at first link to each other (first step) with capital management person.The user selects a service provider (second step) then.Can select the service provider by capital management person.For instance, capital management person can manage a webpage that is linked to selected different suppliers.In this example, many information can directly be passed to capital management person from the user.Some information (as selecting service provider's identity) can obtain automatically, and does not need the information outside user's amount of imports.Even more multiple dynamic cipher can directly input to capital management person's (the 14 step).
What discuss among Fig. 5 is the another one example.Unless otherwise indicated, then this example also comprises aspect and feature according to first example and second case discuss.In this example, the user links to each other with the service provider (first step) and links to each other with capital management person (second step) and (links to each other respectively, be regardless of order), the user directly exchanges with capital management person with the service provider then, and the service provider only need exchange with regard to item affirmation etc. with capital management person.
About all aspects of the present invention, computer software application is first-selected.
Authentication management person and service provider's software is more or less all in traditional computer, and the software of user side can have in the portable unit of processing, storage device at smart card or other.
Invention has been described by above-mentioned example, but may can also carry out many different changes and replacement.For example, to carry out calculation mode according to sequence number many for the mode beguine that generates dynamic password.Those skilled in the art can describe the mode of using several such acquisition dynamic passwords according to these.
Claims (10)
1, based on the Petty paying method of dynamic password, it is characterized in that: form small amount payment system by client, service provider and capital management person and account database thereof, these are formed by wired or wireless, or have wired and wireless communication network system simultaneously concurrently and link together; Capital management person provides user's specified account that is used to pay by mails, the user passes to capital management person by the service provider with the dynamic cipher verification sign, capital management person authenticates the user according to this dynamic cipher verification sign, after the user authenticated, capital management person is that dealing money upper limit deposit is in user account with the highest dealing money, conclude the business between user and the service provider, behind the trade confirmation, capital management person will not be higher than the dealing money of its upper limit and be given to the service provider by user account.
2, a kind of anti-counterfeiting technology according to claim 1 based on dynamic password; it is characterized in that: product and dealer's dynamic cipher verification sign comprises that according to the individual information of cryptographic algorithm, key and protected object personal sign passes through the dynamic password generating apparatus and generates by smart card; every use once generates a new dynamic password, and smart card and dynamic password generating apparatus are integral type or split type.
3, a kind of anti-counterfeiting technology according to claim 1 and 2 based on dynamic password, it is characterized in that: the dynamic password generating apparatus comprises and can produce dynamic password according to information in smart card or other carrier or input information, various computer terminals with keyboard, display and processor, or has a portable card reader of button, display screen, battery and processor, or the mobile phone or the various handheld-type intelligent terminal of support GSM/GPRS/CDMA or 3G standard, this device is independently, or incorporate with smart card.
4, the Petty paying method based on dynamic password according to claim 1 and 2, it is characterized in that: the production process of dynamic password is: on smart card, store the algorithm that produces dynamic password, key and with user-dependent personally identifiable information, and initial random event count; Smart card is connected with card reader, and card reader is according to information that reads from smart card or more input information, generates and shows that an a string acyclic character based on personal information is a dynamic password.
5, Petty paying method based on dynamic password according to claim 1, it is characterized in that: the verification process based on dynamic password is: user side is by comprising network, phone, fax, multimedia terminal or SMS are at interior means of communication, is that capital management person authenticates with smart card by the dynamic cipher verification sign submission Verification System that card reader produces, Verification System receives dynamic password searches out prior storage in database corresponding individual information, and be input to the same algorithm of smart card according to these information with smart card or card reader, key and synchrodata calculate an authentication password, Verification System is determined the identity of object by checking the matching of this authentication password and the dynamic password that is identified.
6, the Petty paying method based on dynamic password according to claim 1 is characterized in that: the highest total value that user account has the highest total value of being determined by the user promptly to allow the account to have.
7, according to claim 1 or 5 based on the Petty paying method of dynamic password, it is characterized in that: the user passes to capital management person with dynamic password from the user with customer identification information by the service provider, to be used for the authentication to the user; The service provider passes to capital management person with service provider's information, so that the service provider is examined; Capital management person forwards dealing money service provider's the account to from user account, and service provider's account is confirmed by service provider's information.
8, the Petty paying method based on dynamic password according to claim 1 is characterized in that: the purchase activity of described transaction comprises the data that download or access services provider have, and these at least two different procurement activities can in time separate; The user comprises one of following message at least from the information that service provider and/or capital management person buy: the consuming the amount of money and do not consume the amount of money, be given to service provider's the amount of money of the amount of money of user account remaining sum, deposit, reserve amount.
9, the Petty paying method based on dynamic password according to claim 7, it is characterized in that: capital management person at least also provide another one can lay in one user's specified account of high dealing money to the user, different accounts can adopt different authentication signs, be used for different transaction payment, capital management person consumes the highest dealing money that process that the amount of money is given to the service provider from user account relates to all accounts.
10, the Petty paying method based on dynamic password according to claim 9 is characterized in that: after capital management person lays in the highest dealing money, with reserve status notification service provider.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200410081335A CN100595785C (en) | 2004-11-26 | 2004-11-26 | Dynamic cipher operation method based on petty paying |
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| CN200410081335A CN100595785C (en) | 2004-11-26 | 2004-11-26 | Dynamic cipher operation method based on petty paying |
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| CN1614610A true CN1614610A (en) | 2005-05-11 |
| CN100595785C CN100595785C (en) | 2010-03-24 |
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| CN200410081335A Expired - Fee Related CN100595785C (en) | 2004-11-26 | 2004-11-26 | Dynamic cipher operation method based on petty paying |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102043937A (en) * | 2010-12-31 | 2011-05-04 | 上海众人网络安全技术有限公司 | Card reader capable of generating dynamic passwords as well as dynamic password authentication system and method |
| CN102118250A (en) * | 2011-01-10 | 2011-07-06 | 上海众人网络安全技术有限公司 | System and method for indentifying dynamic password based on double-interface intelligent card |
| CN103580856A (en) * | 2013-11-19 | 2014-02-12 | 上海众人网络安全技术有限公司 | Method for synchronizing token device according to sizes of certification windows |
| CN105103180A (en) * | 2012-12-26 | 2015-11-25 | 新韩信用卡株式会社 | Method for processing issuance of mobile credit card |
| CN105408924A (en) * | 2013-06-14 | 2016-03-16 | 支付点公司 | Secure data entry and display for communication devices |
| CN109804398A (en) * | 2016-08-08 | 2019-05-24 | 伊利普斯沃德公司 | Prepaid, debit and credit card security code generation system |
| CN117061229A (en) * | 2023-09-13 | 2023-11-14 | 中移互联网有限公司 | Key management method, device, system, equipment and storage medium |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US5991405A (en) * | 1998-01-27 | 1999-11-23 | Dsc Telecom, L.P. | Method for dynamically updating cellular phone unique encryption keys |
| CN1221900C (en) * | 2001-12-17 | 2005-10-05 | 北京兆日科技有限责任公司 | User's identity authentication method of dynamic electron cipher equipment and its resources sharing system |
| CN100492966C (en) * | 2004-11-26 | 2009-05-27 | 王小矿 | Identity certifying system based on intelligent card and dynamic coding |
-
2004
- 2004-11-26 CN CN200410081335A patent/CN100595785C/en not_active Expired - Fee Related
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102043937A (en) * | 2010-12-31 | 2011-05-04 | 上海众人网络安全技术有限公司 | Card reader capable of generating dynamic passwords as well as dynamic password authentication system and method |
| CN102118250A (en) * | 2011-01-10 | 2011-07-06 | 上海众人网络安全技术有限公司 | System and method for indentifying dynamic password based on double-interface intelligent card |
| CN105103180A (en) * | 2012-12-26 | 2015-11-25 | 新韩信用卡株式会社 | Method for processing issuance of mobile credit card |
| CN105103180B (en) * | 2012-12-26 | 2019-01-04 | 新韩信用卡株式会社 | Method for handling the distribution of mobile credit card |
| CN105408924A (en) * | 2013-06-14 | 2016-03-16 | 支付点公司 | Secure data entry and display for communication devices |
| CN103580856A (en) * | 2013-11-19 | 2014-02-12 | 上海众人网络安全技术有限公司 | Method for synchronizing token device according to sizes of certification windows |
| CN109804398A (en) * | 2016-08-08 | 2019-05-24 | 伊利普斯沃德公司 | Prepaid, debit and credit card security code generation system |
| CN109804398B (en) * | 2016-08-08 | 2023-09-01 | 伊利普斯沃德公司 | Security Code Generation System for Prepaid, Debit and Credit Cards |
| CN117061229A (en) * | 2023-09-13 | 2023-11-14 | 中移互联网有限公司 | Key management method, device, system, equipment and storage medium |
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| Publication number | Publication date |
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| CN100595785C (en) | 2010-03-24 |
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