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EP-3816913-B1 - IDENTITY AUTHENTICATION, NUMBER SAVING AND SENDING, AND NUMBER BINDING METHOD, APPARATUS AND DEVICE

EP3816913B1EP 3816913 B1EP3816913 B1EP 3816913B1EP-3816913-B1

Inventors

  • ZHU, Jinbiao

Dates

Publication Date
20260513
Application Date
20190827

Claims (6)

  1. An identity authentication method, comprising: receiving (105), by a server of a quick payment partner bank, a user identity authentication request sent by a client of a quick payment partner bank, wherein the user identity authentication request comprises user authentication information and user identification information, and the server of the quick payment partner bank pre-stores user authentication information and a registration number and a secret token that correspond to the user identification information, wherein the registration number is a bank card number and/or a bank account of a user corresponding to the user identification information, wherein the user is a pre-registered user and the method comprises, before receiving, by the server of the quick payment partner bank, the user identity authentication request sent by the client of the quick payment partner bank, respectively generating, by the quick payment partner bank, irreversible unique secret tokens by using one or more registration numbers of one or more pre-registered users, and sending, by the quick payment partner bank, the generated secret tokens to a server of a third-party organization in batches, wherein the third-party organization provides quick payment functionality; obtaining (110), by the server of the quick payment partner bank and according to the user identification information, the user authentication information pre-stored in the server of the quick payment partner bank; matching (115) the user authentication information in the received user identity authentication request with the obtained user authentication information pre-stored in the server of the quick payment partner bank; receiving (120), by the server of the quick payment partner bank and when the matching succeeds, a confirmation result of the user for obtaining the registration number, wherein the confirmation result is sent by the client of the quick payment partner bank and is a result of a confirmation of the user for obtaining the registration number; obtaining (125), by the server of the quick payment partner bank, the registration number and the corresponding secret token of the user according to the received confirmation result; and sending (130), by the server of the quick payment partner bank, the obtained registration number and the corresponding secret token of the user to the server of the third-party organization.
  2. The identity authentication method according to claim 1, wherein the obtaining (125), by the server of the quick payment partner bank, the registration number and the corresponding secret token of the user according to the received confirmation result comprises: sending, by the server of the quick payment partner bank, each obtained registration number of the user to the client of the quick payment partner bank; and obtaining, by the server of the quick payment partner bank, a registration number selected by the user and a secret token corresponding to the registration number selected by the user.
  3. The identity authentication method according to claim 1, wherein the server of the quick payment partner bank pre-stores a unique ID corresponding to the user identification information; and after the receiving a user identity authentication request sent by the client of the quick payment partner bank, the method further comprises: obtaining, according to the unique ID, the user authentication information pre-stored in the server of the quick payment partner bank.
  4. The identity authentication method according to claim 1, wherein the result of the confirmation of the user for obtaining the registration number is a result of clicking a registration number button by the user.
  5. The identity authentication method according to claim 1, wherein the sending (130), by the server of the quick payment partner bank, the obtained registration number and the corresponding secret token of the user to the server of the third-party organization is for the server of the third-party organization to match the secret token of the user with the generated secret tokens received in batches from the server of the quick payment partner bank and save the registration number of the user when the matching succeeds to enable the user to subsequently bind the registration number with the third-party organization to perform quick payments via the third-party organization.
  6. An identity authentication device, comprising at least a server of a quick payment partner bank and configured to carry out an identity authentication method according to any of the preceding claims.

Description

TECHNICAL FIELD This application relates to the field of Internet financial technologies, and in particular, to an identity authentication, number saving and sending, and number binding method, apparatus and device. BACKGROUND With the development and application of Internet financial technologies, more users choose to use quick payment when shopping, which improves payment experience of the users. To implement quick payment, a bank card or a bank account of a user may be bound to an e-wallet or a cashier server of an online merchant in advance. In this way, when paying for goods, the user does not need to log in to an e-bank, and the bank does not need to perform any verification, so that the online payment is extremely simplified and rapid. Generally, when the bank card or the bank account of the user is bound to the e-wallet or the cashier server of the online merchant, the identity of the user needs to be authenticated, to confirm that the operator is a legal holder of the bank card or the bank account. The identity of the user may be authenticated in various manners. However, currently, in some overseas countries without a central unified ID system and countries where users often change mobile phone numbers without real-name registration, or in other similar scenarios, the manner of identity authentication is limited. For example, in the foregoing scenarios, it may be impossible to use common identity authentication methods such as face recognition and SMS verification code. Using the overseas market scenario as an example, generally, a card number and a validity period of a credit card are saved in an e-wallet or a cashier of an online merchant, and identity authentication is performed by using 3 domain security (3DS). This method can also implement identity authentication and quick payment. However, in such an identity authentication manner, each link in a payment path, including an order receiving bank, a card association, and a card issuing bank, charges a fee, resulting in high costs of the identity authentication manner. Moreover, in security verification based on 3DS, the security verification code of a user is often obtained by the underground industry through fraud or the like, causing the user to lose money. Therefore, the identity authentication manner has low security. In addition, the identity authentication manner involves many intermediate links, it is inconvenient for a user to perform quick payment, and the user may actively give up the payment. Therefore, the identity authentication manner leads to a low payment success Prior art in the field is provided by WO 2013/028901 A2 and US 2012/018506 A1. SUMMARY The embodiments of this application provide an identity authentication, number saving and sending, and number binding method, apparatus and device. Problems of high costs, low security, low payment success rate, and the like caused by the 3DS identity authentication manner in existing technologies are resolved or alleviated. To resolve the foregoing technical problems, the embodiments of this application are implemented as follows: An embodiment of this application provides an identity authentication method, including: receiving a user identity authentication request sent by a client of a data authentication platform, where the user identity authentication request includes user authentication information and user identification information, and a server of the data authentication platform pre-stores user authentication information and a registration number and a secret token that correspond to the user identification information;obtaining, according to the user identification information, the user authentication information pre-stored in the server of the data authentication platform;matching the user authentication information in the received user identity authentication request with the obtained user authentication information pre-stored in the server of the data authentication platform;receiving, when the matching succeeds, a confirmation result of the user for obtaining registration number, where the confirmation result is sent by the client of the data authentication platform;obtaining the registration number and the corresponding secret token of the user according to the received confirmation result; andsending the obtained registration number and corresponding secret token of the user to a third-party organization server. An embodiment of this application provides a number saving and sending method, including: receiving a registration number and a corresponding secret token of a user sent by a server of a data authentication platform;matching the received secret token corresponding to the registration number of the user with pre-stored secret tokens sent by the server of the data authentication platform in batches, where the secret tokens sent in batches are associated with pre-stored user identification information;saving the received registration number of the user when the