Otp Technology-based Online Banking Security Authentication Application Of Research

The thesis analyses the secure authentication of internet banking, studies one-timepassword authentication scheme. Then the thesis makes research into the application ofinternet banking one-time password authentication, analyses and concludes the applicationscheme of internet banking authentication using one-time password. Based on the research,the thesis improves and designs a one-time password authentication model system usingone-time password technology.Internet banking developed rapidly these years, trade value and users increased a lot. Butthe security of internet banking has become the obstacle of further development. Improve thesecurity of internet banking is the principle control means, and banks need for a secureauthentication system. One-time password is known as the effective and secureauthentication scheme, applying one-time password scheme to internet banking safetycontrol is a brand new and significant research field.The thesis firstly analyses the present status of Chinese internet banking's security control.According to the technical risk and authentication theory and application, it designates thesecure authentication demands of Chinese internet banking.The thesis secondly researches the newest achievement in authentication field - one-timepassword authentication mechanism, and analyses its authentication scheme and security.Then it makes research into a one-time password authentication application in internetbanking, and brings forward its authentication process based on double-DES encryptionalgorithm and sequence synchronism.Thirdly, because of double-DES encryption algorithm's flaw, the thesis analyses, improvesand designs a authentication model system, using more secure MD5 encryption algorithmand OTP technique. The system combines foreign successful experience and Chinesepractices, applies challenge/response OTP strategy, realizes on B/S structure.The thesis applies the most advanced authentication method to internet banking, which isa rewording research. The internet banking OTP authentication application gained from theresearch can impel the Chinese banks technology reconstruction. The one-time passwordauthentication system model design using MD5 algorithm, do a great deal of good to internetbanking secure authentication study and technique choices. The research of the thesis makeso great impact on internet banking secure system construction and new businessdevelopment, especially on internet business aspect.