CN101071494A - Method for realizing bill password verification - Google Patents
Method for realizing bill password verification Download PDFInfo
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Abstract
The invention relates to bank bills password verification technology, opens a methods of realization instruments password authentication, including: client conduct notes applications for the completion of paper bills from the bank after bills password access system, and then bills to mention returning to the course when the notes referre to the banking system for password verification paper, the judgment Notes client input passwords and the paper itself is consistent password, if it agree, the test pass, return to verify through information otherwise, the certification fail, fail to return to verify information. Use of the invention to overcome the traditional stamp way security is poor, clearing inefficient and funding risks, and other shortcomings of single-mode password balance the convenience, flexibility and password for the safe, reliable, enabling customers access to banking services to be integrated, to customers security Bank notes in circulation to provide more convenient channels, in order to protect operational instruments to achieve legitimacy and security at the same time, effectively reducing the cost of the realization of operational instruments.
Description
Technical field
The present invention relates to bank money cipher verification technique field, relate in particular to a kind of method that realizes bill password verification, bill password verification process provided by the invention is different from traditional seal mode fully, and modes such as the password list in electronization epoch or scrambler, it is a kind of novel bill password verification mode, and further be incorporated into the existing bank service channel of client---in the Web bank, obtain the bank money password by the service of the existing Web bank used in everyday of client, and realize the checking of bank money password.
Background technology
Under the economic develop rapidly of modern society, scientific and technological flourishing day by day megatrend, the method for operation of traditional banking institution also can not be subjected to all influences of various new things with avoiding.The modernization work means that comprise banking processing electronization, networking etc. are arisen at the historic moment, and from then on banking system efficient and security and reliability are greatly improved.But on the note validating mode of bank, still continue to use the traditional more complicated of a cover, method very easily not in other words.
Traditional bank bill verifying mode is by enterprise the pattern of its legal person's chapter to be reserved in the bank of deposit.Enterprise is disbursing funds when opening bill such as check, borrows except that filling in, the key elements such as credit side's number of the account, date, the amount of money, the most important thing is to add a cover unique discriminating of legal person's seal legal as bill in true and false.After beneficiary was sent bill into the gathering row, the gathering row must be delivered to the bank of deposit that pays the side to bill, by knuckle the mode of seal is manually verified the true and false of seal and the legitimacy of bill.This note validating mode and means result from the very inflourishing epoch of science and technology, can guarantee suitable security at that time, but along with the progress of science and technology and the rapid expansion of banking amount, manifest the disadvantage and the weakness that become clear day by day in the running of reality:
◆ the maturation of electronics countermark technology, the precision that seal is duplicated is very high, and error rate only is 3/1000ths, and considerably beyond the scopes that can differentiate of artificial naked eyes, the true and false of seal has been difficult to differentiate that the fiduciary level of artificial checking has become very low;
◆ seal presents in a kind of mode of figure, and blur level is very big.The degree true to nature of figure and paper, ink paste, the dynamics during with seal, the degree of wear of seal etc. all have very big correlativity, even adopt the electronic intelligence recognition technology, the accuracy of discriminating is also very low;
◆ bill was sent to paying bank after gathering works bank clearing, often needed several days even the longer time.The increase day by day of bill amount makes that bank clearing work amount is more and more heavier, and work efficiency is difficult to improve;
◆ the amount of money on the bill, number of the account, date, all key elements of note number and seal wide of the mark, only assert that with the authenticity of seal the legitimacy of bill is imprecise, give to usurp and fill out, distort bill and stay opportunity.
Test poor, the unmanageable all shortcomings such as settlement efficiency is low, financial risks of India side formula anti-counterfeit capability at traditional bill, produced a kind of new note validating system---electronic payment secret code system.The electronic payment secret code system is at present common following dual mode---payment cipher folk prescription formula and payment cipher mode.
As shown in Figure 1, Fig. 1 is the synoptic diagram of at present common payment cipher folk prescription formula.Payment cipher folk prescription formula is to generate a different payment cipher by the payment cipher collator at every bill when the enterprise customer applies for bill.The payment cipher of payment cipher folk prescription formula is relevant with following four elements: the client reserves account password, number of the account, bill type, note number.Production process is in bank's end collator, uses through the close payment cipher of doing approval of state and produces algorithm to payment cipher of every bill generation, issues the user after printing in the mode of password envelope; The password envelope of client's inquiry ticket correspondence when using ticket fills in password in the envelope on the ticket.When carrying back (cashing) at bill, demo plant in the computer system of bank and the payment cipher collator is verified the validity and the legitimacy of payment cipher on bill and the bill.
As shown in Figure 2, Fig. 2 is the synoptic diagram of at present common payment cipher mode.The payment cipher mode is to provide e_payment cipher to the client simultaneously when buying approval book at each family of enterprise, and injects the account key in scrambler.During user's issuance of a note, according to key elements such as number of the account, bill type, note number, the amount of the instrument, the date of issuance, debit's numbers of the account, under the control of account key, generate the payment cipher of this bill by the e_payment cipher generating algorithm, the client fills in the password that scrambler calculates on the ticket.When carrying back (cashing) at bill, the computer system of bank and the password authentication device corresponding with scrambler are verified the validity and the legitimacy of payment cipher on bill and the bill.
The electronic payment secret code system has utilized many high-tech means such as modern computer network technologies, cryptography principle, singlechip technology, overcome traditional bill and identified all drawbacks of mode, can greatly improve the traffic handing capacity and the security of bank, improve the settlement efficiency of bank.But no matter be the password folk prescription formula or the mode of scrambler, all have certain deficiency.
Wherein, the mode of payment cipher list is higher than the seal security; but because payment cipher folk prescription formula has just been produced password when bill is bought; so dynamic key elements such as the payment cipher and the amount of the instrument, the date of issuance and debit's number of the account are irrelevant; therefore can only verify bill check drawer's legitimacy; and can not protect the out of Memory of bill, so usurping of bill filled out powerless, can't ensure the legitimacy and the security of bill operation.
The security of e_payment cipher mode is than password folk prescription Shi Genggao, cryptographic calculations is carried out in the use of e_payment cipher when issue of bill, therefore can both participate in computing for dynamic key elements such as the amount of the instrument, the date of issuance and debit's numbers of the account, the participation key element is complete, so not only can verify check drawer's legitimacy, also can the backed bill key element can not usurped and fill out, distort.But, adopting this mode, corporate client need be bought payment cipher, and cost is than higher, and scrambler needs special messenger's keeping, increased client's the fund cost and the input of handling cost, and need carry when going out, and is also inconvenient.
Summary of the invention
(1) technical matters that will solve
In view of this, fundamental purpose of the present invention is to provide a kind of method that realizes bill password verification, to reach when ensureing that bill operation is realized legitimacy and security, reduces the purpose that bill operation is realized cost.
(2) technical scheme
For achieving the above object, the invention provides a kind of method that realizes bill password verification, this method comprises: client is carried out the bill application earlier, after finishing the bill application, obtain the bill password from the bank money system, then carry out bill when carrying back the bank money system described bill is carried out password authentification, judge whether the bill password of client input consistent with the bill password that self produces, if unanimity, then checking is passed through, and returns checking and passes through information; Otherwise checking can not be passed through, and returns authentication failed information.
In the such scheme, described bank money system comprises bill application treating apparatus, billing information memory storage, password generation device and password authentication device at least, describedly carry out the bill application and comprise: the application information that bill application treating apparatus is submitted to client is checked, inspection by after application information, the billing information of applying for and bill password obtain manner information that client is submitted to be saved in the described billing information memory storage, realize selling of bill.
In the such scheme, described bank money system comprises bill application treating apparatus at least, the billing information memory storage, password generation device and password authentication device, describedly obtain the bill password from the bank money system and comprise: password generation device judges whether the bill that is received from client sells record described billing information memory storage, if record is arranged, whether then checking this billing information, whether correctly to reach this bill state normal, check the correct and bill state of billing information normal after, whether the bill password obtain manner information of preserving in the bill password obtain manner information of judging this bill again and the described billing information memory storage is consistent, if it is consistent, then utilize described billing information and described bill password obtain manner information to produce the bill password, and return to client.
In the such scheme, described password generation device further comprised whether the bill that judgement is received from client sells record in described billing information memory storage before: client sends billing information to described password generation device by safety network system;
Further comprise before whether the bill password obtain manner information that described password generation device is preserved in the bill password obtain manner information of judging this bill and described billing information memory storage is consistent: the type that described password generation device transmits the described safety network system of billing information according to client is obtained the bill password obtain manner information of this bill;
When described password generation device returns to client at the bill password that will produce, return by described safety network system.
In the such scheme, described safety network system is a bank system of web,
Described client sends billing information to described password generation device by bank system of web;
Described password generation device is a bank system of web according to the type that client transmits the safety network system of billing information, and the bill password obtain manner that obtains this bill is Web bank's application pin mode;
When described password generation device returns to client at the bill password that will produce, return by described bank system of web.
This method further adopts the PKI diploma system to realize the safe transmission of information between client and the described password generation device in described bank system of web, and described client sends billing information to described password generation device by bank system of web and comprises:
Client uses Web bank's certificate to land the PKI diploma system, and the PKI diploma system checks the validity of Web bank's certificate that client is used, check by after set up escape way between client and the bank system of web;
Client sends logging request by described escape way to bank system of web, and bank system of web authenticates client, and authentication successfully signs in to bank system of web by the back client;
Client is typing bank money information and submitting in the function interface of the application bill password that provides of banking system on the net;
Bank system of web receives the bank money information of typing by described function interface, the billing information that receives is carried out validity check, inspection is sent to this billing information in the interface that password generation device provides by the back bank system of web, waits for returning of result.
In the such scheme, described password generation device returns to client by bank system of web with the bill password that produces and comprises: password generation device returns to bank system of web with the bill password that produces by the interface between self and the bank system of web, bank system of web is presented at the transaction results interface with the bill password that returns, and client obtains the bill password.
In the such scheme, described bank money system comprises bill application treating apparatus at least, the billing information memory storage, password generation device and password authentication device, described bank money system carries out password authentification to described bill and comprises: when bill is carried back into the row password authentification, described password authentication device receives billing information, bill password and checking that client provides require information, judge whether the bill that receives sells record in described billing information memory storage, if have record and bank money information and bank money state normal, then described password authentication device produces the bill password according to billing information of preserving in the described billing information memory storage and bill password obtain manner information, judge whether the bill password that produces is consistent with the bill password that client provides, if it is consistent, then checking is passed through, and returns checking and passes through information; Otherwise checking can not be passed through, and returns authentication failed information.
In the such scheme, bill password and checking that described password authentication device reception billing information, client provide require information, receive by self offering the big function interface of client.
In the such scheme, described password authentication device comprises Net silver mode authentication unit at least, password folk prescription formula authentication unit and scrambler mode authentication unit, described password authentication device the bill of judging reception in described billing information memory storage, sell record and bank money information and bank money state normal after, further comprise: password authentication device is judged the bill password obtain manner of this bill, if the bill password obtain manner of this bill is Web bank's application pin mode, the Net silver mode authentication unit that then calls self produces the bill password and judges whether the bill password that produces is consistent with the bill password that client provides; If the bill password obtain manner of this bill is a password list application pin mode, the password folk prescription formula authentication unit that then calls self produces the bill password and judges whether the bill password that produces is consistent with the bill password that client provides; If the bill password obtain manner of this bill is a scrambler application pin mode, the scrambler mode authentication unit that then calls self produces the bill password and judges whether the bill password that produces is consistent with the bill password that client provides.
(3) beneficial effect
From technique scheme as can be seen, the present invention has following beneficial effect:
1, utilizes the present invention, poor, the unmanageable shortcomings such as settlement efficiency is low, financial risks of traditional seal mode anti-counterfeit capability have been overcome, take into account the convenience of password folk prescription formula, flexibly and the characteristics such as safe, reliable of scrambler simultaneously, and the channel that makes the client obtain bank service obtains integrating, can be used as effectively replenishing of existing payment cipher means, for the circulation of the safety of customer bank bill provides abundant more channel easily, when ensureing that bill operation is realized legitimacy and security, reduced the realization cost of bill operation.
2, the bank money password of Web bank's application is a kind of password form of electronization, has traditional seal mode characteristics that are better than.
3, the popularization cost is low, easy to use.The client is in advance after bank outlets have bought the bank money basis, when issue of bill, only need hold the enterprise network certificate that goes to bank, after landing bank system of web and carrying out authentication, after entering relationship trading input number of the account, the date of issuance, note number, the amount of money, system generates a payment cipher automatically, and the client holds bank money and the password signed and issued can handle the business of cashing in bank, and need not extra equipment input.
4, on the function of cryptographic calculation, encryption element is consistent with existing payment cipher mode, support to comprise the electronic payment secret code (similar) of transition information such as date, the amount of money simultaneously and do not comprise the electronic cipher list (similar) of transition information such as the amount of money, be convenient to the client and select different cipher modes with acceptance level as required with the calculating strength of existing payment cipher list with the calculating strength of existing payment cipher.
5, electronic payment secret code has used the higher hardware encipher algorithm of security intensity in the process that generates and veritify, and utilizes Net silver PKI encryption system to realize the safe transmission of billing information and electronic payment secret code information in signing and issuing transmission course.
6, when bank money is proposed back processing, accomplished to be consistent, can not impact service processing mode with the existing business flow process.
7, by expansion, can conveniently realize new password production method and corresponding verification method, also can conveniently realize the expansion of new password application channel system.
Description of drawings
Fig. 1 is the synoptic diagram of at present common payment cipher folk prescription formula;
Fig. 2 is the synoptic diagram of at present common payment cipher mode;
Fig. 3 is the structural representation of bank money provided by the invention system;
Fig. 4 is the realization flow figure of realization bill password verification overall technological scheme provided by the invention;
Fig. 5 is the method flow diagram that bill application provided by the invention is handled;
Fig. 6 applies for the method flow diagram of processing for bill cryptonet provided by the invention goes to bank;
Fig. 7 carries back the method flow diagram that password authentification is handled for bill provided by the invention.
Embodiment
For making the purpose, technical solutions and advantages of the present invention clearer, below in conjunction with specific embodiment, and with reference to accompanying drawing, the present invention is described in more detail.
As shown in Figure 3, Fig. 3 is the structural representation of bank money provided by the invention system, and this system comprises bill application treating apparatus 30, billing information memory storage 31, password generation device 32 and password authentication device 33 at least.
Wherein, bill application treating apparatus 30 provides the client to buy the function of bank money.The client is bought the application of bank money and bank money information that the client buys is entered in the billing information memory storage 31 by this device, realize selling of bank money.On sale drawing a bill certificate the time, indicate the mode that the acquisition of bill password is adopted, in billing information memory storage 31, the mode data that this password obtains to be adopted contrast reference when producing password and password authentication device 33 checking bill passwords for password generation device 32 with this information of same bill out of Memory common storage.
Billing information memory storage 31, all information of registration bill, comprise number of the account, bill type, note number, the amount of the instrument, the date of issuance, debit's number of the account and other business information, also register simultaneously the state of bill, the application of bill password, test process information such as close mode.Information in this device is write by bill application treating apparatus 30, and password generation device 32 utilizes the information in this device to produce the password of bill, and password authentication device 33 utilizes the information in this device to finish the checking of the password of bill.
Total system can realize new password production method and corresponding verification method by the alternate manner unit in password generation device 32 and the password authentication device 33 is expanded, and the password higher as level of confidentiality produces, and the password that perhaps length is longer produces or the like; Also can be by the now new password application channel of expansion, as Mobile banking, self-service facility or the like to other banking system and corresponding other visit channel.
Blank bank money is sold to the bearer by bill application treating apparatus 30 and corresponding treatment step; The bearer fills in billing information before use and obtains the bill password by corresponding manner and treatment step that the bill password obtains, fills on the bill; When the bearer need carry back, by the bill password verification treatment step to billing information check, verification, finish and carry back.
Structural representation based on bank money system shown in Figure 3, Fig. 4 is the realization flow figure of realization bill password verification overall technological scheme provided by the invention, this method comprises: client is carried out the bill application earlier, after finishing the bill application, obtain the bill password from the bank money system, then carry out bill when carrying back the bank money system described bill is carried out password authentification, whether the bill password of judging the client input is consistent with the bill password that self produces, if it is consistent, then checking is passed through, and returns checking and passes through information; Otherwise checking can not be passed through, and returns authentication failed information.
Above-mentioned client is carried out the bill application and comprised: the application information that bill application treating apparatus is submitted to client is checked, inspection by after application information, the billing information of applying for and bill password obtain manner information that client is submitted to be saved in the described billing information memory storage, realize selling of bill.
Above-mentioned client is obtained the bill password from the bank money system and comprised: password generation device judges whether the bill that is received from client sells record described billing information memory storage, if record is arranged, whether then checking this billing information, whether correctly to reach this bill state normal, check the correct and bill state of billing information normal after, whether the bill password obtain manner information of preserving in the bill password obtain manner information of judging this bill again and the described billing information memory storage is consistent, if it is consistent, then utilize described billing information and described bill password obtain manner information to produce the bill password, and return to client.
Above-mentioned password generation device further comprised whether the bill that judgement is received from client sells record in described billing information memory storage before: client sends billing information to described password generation device by safety network system.Further comprise before whether the bill password obtain manner information that described password generation device is preserved in the bill password obtain manner information of judging this bill and described billing information memory storage is consistent: the type that described password generation device transmits the described safety network system of billing information according to client is obtained the bill password obtain manner information of this bill.When described password generation device returns to client at the bill password that will produce, return by described safety network system.
Above-mentioned safety network system generally can be various safety network systems, for example bank system of web, Mobile banking's network system and self-service facility network system etc.Bank system of web provides and obtains bill password needed corresponding input operation interface and results page function.Successfully sign in to the client terminal of bank system of web, the bill password application function interface that provides by bank system of web, the relevant information of typing bank money, with information by Network Transmission on the net in the banking system, bank system of web utilizes the bank money information of typing to call in the password generation device 32 corresponding password generation unit and produces password, with fetching cipher and be presented on the results page that bank system of web provides.
When safety network system is bank system of web, client sends billing information to described password generation device by bank system of web, password generation device is a bank system of web according to the type that client transmits the safety network system of billing information, and the bill password obtain manner that obtains this bill is Web bank's application pin mode; When password generation device returns to client at the bill password that will produce, return by described bank system of web.
This method can also further adopt the PKI diploma system to realize the safe transmission of information between client and the described password generation device in described bank system of web.The PKI diploma system provides the key length of sufficient length and the cryptographic algorithm that industry is generally acknowledged, for the employed information datas of function such as visit bank system of web, the application of use bill password provide safeguard protection.When adopting the PKI diploma system, described client sends billing information to described password generation device by bank system of web and comprises: client uses Web bank's certificate to land the PKI diploma system, the PKI diploma system checks the validity of Web bank's certificate that client is used, check by after set up escape way between client and the bank system of web; Client sends logging request by described escape way to bank system of web, and bank system of web authenticates client, and authentication successfully signs in to bank system of web by the back client; Client is typing bank money information and submitting in the function interface of the application bill password that provides of banking system on the net; Bank system of web receives the bank money information of typing by described function interface, the billing information that receives is carried out validity check, inspection is sent to this billing information in the interface that password generation device provides by the back bank system of web, waits for returning of result.
Above-mentioned password generation device returns to client by bank system of web with the bill password that produces and comprises: password generation device returns to bank system of web with the bill password that produces by the interface between self and the bank system of web, bank system of web is presented at the transaction results interface with the bill password that returns, and client obtains the bill password.
Above-mentioned bank money system carries out password authentification to described bill and comprises: when bill is carried back into the row password authentification, described password authentication device receives billing information, bill password and checking that client provides require information, judge whether the bill that receives sells record in described billing information memory storage, if have record and bank money information and bank money state normal, then described password authentication device produces the bill password according to billing information of preserving in the described billing information memory storage and bill password obtain manner information, judge whether the bill password that produces is consistent with the bill password that client provides, if it is consistent, then checking is passed through, and returns checking and passes through information; Otherwise checking can not be passed through, and returns authentication failed information.
Above-mentioned password authentication device comprises Net silver mode authentication unit at least, password folk prescription formula authentication unit and scrambler mode authentication unit, described password authentication device the bill of judging reception in described billing information memory storage, sell record and bank money information and bank money state normal after, further comprise: password authentication device is judged the bill password obtain manner of this bill, if the bill password obtain manner of this bill is Web bank's application pin mode, the Net silver mode authentication unit that then calls self produces the bill password and judges whether the bill password that produces is consistent with the bill password that client provides; If the bill password obtain manner of this bill is a password list application pin mode, the password folk prescription formula authentication unit that then calls self produces the bill password and judges whether the bill password that produces is consistent with the bill password that client provides; If the bill password obtain manner of this bill is a scrambler application pin mode, the scrambler mode authentication unit that then calls self produces the bill password and judges whether the bill password that produces is consistent with the bill password that client provides.
Realization flow figure based on realization bill password verification overall technological scheme provided by the invention shown in Figure 4 is described in detail each step below.
Wherein, the bill application processing method as shown in Figure 5, Fig. 5 is the method flow diagram that bill application provided by the invention is handled, this method comprises the steps:
Step 100: bill application treating apparatus 30 sells blank bank money to the client, i.e. bill application treating apparatus 30 provides function interface to receive the client and buys the request of bill and bill password and obtain the information such as mode that adopted.Come bank as the client for buying bank money, submit to by bank counter and buy the bill application, the function interface that bank cashier uses bill application treating apparatus 30 to provide carries out typing with the information that the client provides, and submits to by transaction after entry information is finished.
Step 101: the various information inspections that 30 pairs of applications of bill application treating apparatus interface receives are checked, after all pass through with relevant information and the billing information common storage of applying in billing information memory storage 31, when producing passwords and contrast reference during password authentication device 33 checking bill passwords for password generation device 32.
Finish that the bank money of selling registration just can carry out the application of bill password and the bill password is proposed back checking.
The bill cryptonet goes to bank application processing method as shown in Figure 6, and Fig. 6 applies for the method flow diagram of processing for bill cryptonet provided by the invention goes to bank, and this method comprises the steps:
Step 200:PKI diploma system checks the validity of Web bank's certificate that the client uses, Web bank's credentials check by after set up escape way for the visit bank system of web again.The bank system of web device authenticates client identity, and authentication successfully signs in in the bank system of web by the back client.
Step 201: the bank system of web device represents the function interface of application bill password, the client obtains function interface by client terminal, the interface provides bank money information input function, and the client can submit to after the typing bank money information in the interface, applies for password.Other banking system of expanding also can be finished function corresponding.
Step 202: typing billing information in the interface of client in client terminal, the bank system of web device receives the bank money information of typing by the interface, the billing information that receives is carried out validity check, the password that provides that again this billing information is sent to password generation device 32 by bank system of web device behind the coherence check produces in the interface, waits for returning of result.
Step 203: password generation device 32 produces from password and obtains the bank money information that the external call system send the interface, at first whether the information of registering in the billing information sent here of contrast and the billing information memory storage 31 is consistent, recheck billing information whether whether correctly reach the bill state normal if information is consistent, cross-check information all normal after, password generation device 32 enters judges that password obtains the step of mode.
Step 204: the password application way that password generation device 32 is judged the statement when buying of this bank money is not Web bank's application way, this device returns password application status of fail, by interface this state is returned the bank system of web device again, bank system of web device 4 shows relevant information according to state.The similar processing of other banking system of expanding.
Step 205: the password application way that password generation device 32 is judged the statement when buying of this bill is Web bank's application way, and the bank money relevant information that password generation device 32 utilizes password to produce and receives in the interface produces the bill password.The similar processing of other banking system of expanding.
Step 206: password generation device 32 will produce the bill password and turn back to the called side bank system of web device that password produces interface by interface, and the bank system of web device is presented at the transaction results interface with the password that returns, and the client obtains the bill password.The similar processing of other banking system of expanding.
The bill application can normally be used behind password, can carry back.
Bill is put forward back the password authentification disposal route as shown in Figure 7, and Fig. 7 carries back the method flow diagram that password authentification is handled for bill provided by the invention, and this method comprises the steps:
Step 300: the information on the bank money that the function interface of password authentication device 33 by outwards providing, bank cashier are put forward back demand and corresponding bill password typing in the interface, submit instruction behind the entry information to.
Step 301: the information of registration is compared in billing information that password authentication device 33 will be sent here by function interface and the billing information memory storage 31, comparison information by and check which kind of pin mode that all normal back decides bill of bill state adopt.
Step 302: what password authentication device 33 was judged this bill employing is Web bank's application pin mode, calling the authentication module of Web bank's application pin mode correspondence verifies billing information and corresponding password, the result of checking is returned the results page of password authentication device 33, finished the bill password verification process.
Step 103: what password authentication device 33 was judged this bill employing is not the mode of Web bank's application password, password authentication device 33 is according to its pin mode, use the password authentication module such as other banking system of corresponding password list or scrambler or expansion that billing information and corresponding password are verified, the result of checking is returned the results page of password authentication device 33, finished the bill password verification process.
Above-described specific embodiment; purpose of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the above only is specific embodiments of the invention; be not limited to the present invention; within the spirit and principles in the present invention all, any modification of being made, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1, a kind of method that realizes bill password verification is characterized in that, this method comprises:
Client is carried out the bill application earlier, after finishing the bill application, obtain the bill password from the bank money system, then carry out bill when carrying back the bank money system described bill is carried out password authentification, whether the bill password of judging the client input is consistent with the bill password that self produces, if it is consistent, then checking is passed through, and returns checking and passes through information; Otherwise checking can not be passed through, and returns authentication failed information.
2, the method for realization bill password verification according to claim 1, it is characterized in that, described bank money system comprises bill application treating apparatus, billing information memory storage, password generation device and password authentication device at least, describedly carries out the bill application and comprises:
The application information that bill application treating apparatus is submitted to client is checked, inspection by after application information, the billing information of applying for and bill password obtain manner information that client is submitted to be saved in the described billing information memory storage, realize selling of bill.
3, the method for realization bill password verification according to claim 1, it is characterized in that, described bank money system comprises bill application treating apparatus, billing information memory storage, password generation device and password authentication device at least, describedly obtains the bill password from the bank money system and comprises:
Password generation device judges whether the bill that is received from client sells record in described billing information memory storage, if record is arranged, whether then checking this billing information, whether correctly to reach this bill state normal, check the correct and bill state of billing information normal after, whether the bill password obtain manner information of preserving in the bill password obtain manner information of judging this bill again and the described billing information memory storage is consistent, if it is consistent, then utilize described billing information and described bill password obtain manner information to produce the bill password, and return to client.
4, the method for realization bill password verification according to claim 3 is characterized in that,
Described password generation device further comprised whether the bill that judgement is received from client sells record in described billing information memory storage before: client sends billing information to described password generation device by safety network system;
Further comprise before whether the bill password obtain manner information that described password generation device is preserved in the bill password obtain manner information of judging this bill and described billing information memory storage is consistent: the type that described password generation device transmits the described safety network system of billing information according to client is obtained the bill password obtain manner information of this bill;
When described password generation device returns to client at the bill password that will produce, return by described safety network system.
5, the method for realization bill password verification according to claim 4 is characterized in that, described safety network system is a bank system of web,
Described client sends billing information to described password generation device by bank system of web;
Described password generation device is a bank system of web according to the type that client transmits the safety network system of billing information, and the bill password obtain manner that obtains this bill is Web bank's application pin mode;
When described password generation device returns to client at the bill password that will produce, return by described bank system of web.
6, the method for realization bill password verification according to claim 5, it is characterized in that, this method further adopts the PKI diploma system to realize the safe transmission of information between client and the described password generation device in described bank system of web, and described client sends billing information to described password generation device by bank system of web and comprises:
Client uses Web bank's certificate to land the PKI diploma system, and the PKI diploma system checks the validity of Web bank's certificate that client is used, check by after set up escape way between client and the bank system of web;
Client sends logging request by described escape way to bank system of web, and bank system of web authenticates client, and authentication successfully signs in to bank system of web by the back client;
Client is typing bank money information and submitting in the function interface of the application bill password that provides of banking system on the net;
Bank system of web receives the bank money information of typing by described function interface, the billing information that receives is carried out validity check, inspection is sent to this billing information in the interface that password generation device provides by the back bank system of web, waits for returning of result.
7, the method for realization bill password verification according to claim 5 is characterized in that, described password generation device returns to client by bank system of web with the bill password that produces and comprises:
Password generation device returns to bank system of web with the bill password that produces by the interface between self and the bank system of web, and bank system of web is presented at the transaction results interface with the bill password that returns, and client obtains the bill password.
8, the method for realization bill password verification according to claim 1, it is characterized in that, described bank money system comprises bill application treating apparatus, billing information memory storage, password generation device and password authentication device at least, and described bank money system carries out password authentification to described bill and comprises:
When bill is carried back into the row password authentification, described password authentication device receives billing information, bill password and checking that client provides require information, judge whether the bill that receives sells record in described billing information memory storage, if have record and bank money information and bank money state normal, then described password authentication device produces the bill password according to billing information of preserving in the described billing information memory storage and bill password obtain manner information, judge whether the bill password that produces is consistent with the bill password that client provides, if it is consistent, then checking is passed through, and returns checking and passes through information; Otherwise checking can not be passed through, and returns authentication failed information.
9, the method for realization bill password verification according to claim 8, it is characterized in that, bill password and checking that described password authentication device reception billing information, client provide require information, receive by self offering the big function interface of client.
10, the method for realization bill password verification according to claim 8, it is characterized in that, described password authentication device comprises Net silver mode authentication unit, password folk prescription formula authentication unit and scrambler mode authentication unit at least, described password authentication device the bill of judging reception in described billing information memory storage, sell record and bank money information and bank money state normal after, further comprise:
Password authentication device is judged the bill password obtain manner of this bill, if the bill password obtain manner of this bill is Web bank's application pin mode, the Net silver mode authentication unit that then calls self produces the bill password and judges whether the bill password that produces is consistent with the bill password that client provides; If the bill password obtain manner of this bill is a password list application pin mode, the password folk prescription formula authentication unit that then calls self produces the bill password and judges whether the bill password that produces is consistent with the bill password that client provides; If the bill password obtain manner of this bill is a scrambler application pin mode, the scrambler mode authentication unit that then calls self produces the bill password and judges whether the bill password that produces is consistent with the bill password that client provides.
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| Application Number | Priority Date | Filing Date | Title |
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| CN200710117616.7A CN101071494B (en) | 2007-06-20 | 2007-06-20 | A kind of method realizing bill password verification |
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| CN200710117616.7A CN101071494B (en) | 2007-06-20 | 2007-06-20 | A kind of method realizing bill password verification |
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| CN103346881A (en) * | 2013-06-14 | 2013-10-09 | 上海海基业高科技有限公司 | Cloud computing system of bank payment passwords and application method thereof |
| CN106427278A (en) * | 2016-10-20 | 2017-02-22 | 江苏万佳科技开发有限公司 | Bill one-bill one-password system and generation method |
| CN107767192A (en) * | 2016-08-19 | 2018-03-06 | 方正国际软件(北京)有限公司 | A kind of verification method of electronic bill, apparatus and system |
| CN113793456A (en) * | 2021-09-07 | 2021-12-14 | 上海浦东发展银行股份有限公司 | Bill drawing method and device, electronic equipment and storage medium |
| CN114912964A (en) * | 2022-05-09 | 2022-08-16 | 中国银行股份有限公司 | Check issuing method, check cipher device and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103346881A (en) * | 2013-06-14 | 2013-10-09 | 上海海基业高科技有限公司 | Cloud computing system of bank payment passwords and application method thereof |
| CN107767192A (en) * | 2016-08-19 | 2018-03-06 | 方正国际软件(北京)有限公司 | A kind of verification method of electronic bill, apparatus and system |
| CN107767192B (en) * | 2016-08-19 | 2021-12-07 | 方正国际软件(北京)有限公司 | Electronic bill verification method, device and system |
| CN106427278A (en) * | 2016-10-20 | 2017-02-22 | 江苏万佳科技开发有限公司 | Bill one-bill one-password system and generation method |
| CN113793456A (en) * | 2021-09-07 | 2021-12-14 | 上海浦东发展银行股份有限公司 | Bill drawing method and device, electronic equipment and storage medium |
| CN114912964A (en) * | 2022-05-09 | 2022-08-16 | 中国银行股份有限公司 | Check issuing method, check cipher device and storage medium |
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| CN101071494B (en) | 2016-04-13 |
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