CN105354471A - Financial transaction security control method - Google Patents
Financial transaction security control method Download PDFInfo
- Publication number
- CN105354471A CN105354471A CN201510734732.8A CN201510734732A CN105354471A CN 105354471 A CN105354471 A CN 105354471A CN 201510734732 A CN201510734732 A CN 201510734732A CN 105354471 A CN105354471 A CN 105354471A
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- China
- Prior art keywords
- user
- identifying code
- bank account
- authentication
- card
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
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- Engineering & Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Hardware Design (AREA)
- Software Systems (AREA)
- General Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention discloses a financial transaction security control method. The method comprises the following steps: 1), identifying fingerprint information of a user by virtue of an automatic teller machine and acquiring bank account information of the user, wherein the fingerprint information of the user is provided by a bank and is stored in advance in a database by the automatic teller machine; and the bank account information comprises bank account, an identification number, and a cell-phone number of the user; 2), according to the fingerprint information identified by the the automatic teller machine in the step 1), by reserving a verification code, a password or a verification manner of combining the two, performing the identity authentication for a user; and and 3), if the identity authentication is passed, performing the financial transaction; otherwise the transaction is failed; then retrieving information of the user, and transferring a instruction to a bank control system to forbid the card transacting or to telephone the card-holder for verification, ensuring the security. The financial transaction security control method can effectively prevent a bank card and account information from being stolen, thereby increasing the security of financial transaction.
Description
Technical field
The present invention relates to financial technology field, particularly relate to a kind of controlling security of financial transactions.
Background technology
In recent years, along with the develop rapidly of e-finance, finance self-help transaction progressively becomes the main path that financial institution is customer service.But, people use ATM (Automatic Teller Machine) (ATM more and more continually, AutomaticTellerMachine) carry out financial self-service, finance self-help terminal security problem shows especially day by day, and taking precautions against finance self-help transaction crime has become a world subject.
Bank card is by the service aid for client's processes financial business of issued by banks, when people utilize ATM processes financial business, common way is inserted in ATM by traditional magnetic stripe bank card, then inputs password, after password is correct, enter financial transaction system transacting business.But what use along with bank card popularizes, and people usually have multiple different magnetic stripe bank cards on hand, not only carry inconvenience, also provide opportunity for lawless person utilizes bank card to commit a crime, such as install at the card inserting mouth of ATM and gulp down card device, and minisize pick-up head shooting user trading password is installed; Utilize false card slot to copy bank card information and make pseudo-card theft etc.It is changeable, disguised strong that lawless person utilizes bank card to steal the means of wealth, makes us hard to guard against.
Summary of the invention
In view of this, the invention provides a kind of controlling security of financial transactions.
The technical solution used in the present invention is: a kind of controlling security of financial transactions, comprises the following steps:
1), the finger print information of ATM (Automatic Teller Machine) identification user, obtain the bank account information of user; Wherein, the finger print information of described user be provided by bank and be stored in advance in the database by this ATM (Automatic Teller Machine), described bank account information comprises the Bank Account Number of user, ID (identity number) card No. and phone number;
2), according to step 1) in the finger print information of ATM (Automatic Teller Machine) identification, by reserved identifying code, password or its verification mode combined, authentication is carried out to user;
3), after authentication is passed through, financial transaction is carried out; Otherwise Fail Transaction, transfers the information of this user, move instruction, to banking control system, is taked forbid the transaction of this card or make a phone call to examine to card user, is guaranteed safety.
Preferably, described step 2) in, to the method that user carries out authentication, specifically comprise:
According to the phone number in described bank account information, send the mobile terminal of identifying code to user;
Receive the identifying code of user's input, judge that whether described identifying code is identical with the identifying code sent, if identical, then verified by identifying code;
After being verified by identifying code, also comprise:
Checking trading password;
If both checkings are identical, then by authentication, otherwise enter step 3).
Preferably, to the method that user carries out authentication, specifically comprise:
According to the phone number in described bank account information, send the mobile terminal of identifying code to user;
Receive the identifying code of user's input, judge that whether described identifying code is identical with the identifying code sent, if identical, then verified by identifying code;
After being verified by identifying code, also comprise:
Receive the encrypted message of user's input, described encrypted message and the encrypted message corresponding to described Bank Account Number be stored in banking system are made comparisons, if both are identical, then by authentication, otherwise enter step 3).
Advantage of the present invention and beneficial effect are: the controlling security of financial transactions that the embodiment of the present invention provides, by bank provide and be stored in advance in the finger print information in the database of this ATM (Automatic Teller Machine), user fingerprints information was obtained by ATM (Automatic Teller Machine) before carrying out financial transaction, its bank account information of further acquisition, and financial transaction is carried out after authentication is passed through, bank card and account information effectively can be prevented to be stolen, to improve E-Security.
Embodiment
Be further described the specific embodiment of the present invention below in conjunction with embodiment, following examples only for technical scheme of the present invention is clearly described, and can not limit the scope of the invention with this.
A kind of controlling security of financial transactions, comprises the following steps:
1), the finger print information of ATM (Automatic Teller Machine) identification user, obtain the bank account information of user; Wherein, the finger print information of described user be provided by bank and be stored in advance in the database by this ATM (Automatic Teller Machine), described bank account information comprises the Bank Account Number of user, ID (identity number) card No. and phone number;
2), according to step 1) in the finger print information of ATM (Automatic Teller Machine) identification, by reserved identifying code, password or its verification mode combined, authentication is carried out to user;
3), after authentication is passed through, financial transaction is carried out; Otherwise Fail Transaction, transfers the information of this user, move instruction, to banking control system, is taked forbid the transaction of this card or make a phone call to examine to card user, is guaranteed safety.
Preferably, described step 2) in, to the method that user carries out authentication, specifically comprise:
According to the phone number in described bank account information, send the mobile terminal of identifying code to user;
Receive the identifying code of user's input, judge that whether described identifying code is identical with the identifying code sent, if identical, then verified by identifying code;
After being verified by identifying code, also comprise:
Checking trading password;
If both checkings are identical, then by authentication, otherwise enter step 3).
Preferably, to the method that user carries out authentication, specifically comprise:
According to the phone number in described bank account information, send the mobile terminal of identifying code to user;
Receive the identifying code of user's input, judge that whether described identifying code is identical with the identifying code sent, if identical, then verified by identifying code;
After being verified by identifying code, also comprise:
Receive the encrypted message of user's input, described encrypted message and the encrypted message corresponding to described Bank Account Number be stored in banking system are made comparisons, if both are identical, then by authentication, otherwise enter step 3).
The above is only preferred embodiments of the present invention; it should be pointed out that for those skilled in the art, under the prerequisite not departing from the technology of the present invention principle; can also make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.
Claims (3)
1. a controlling security of financial transactions, is characterized in that, comprises the following steps:
1), the finger print information of ATM (Automatic Teller Machine) identification user, obtain the bank account information of user; Wherein, the finger print information of described user be provided by bank and be stored in advance in the database by this ATM (Automatic Teller Machine), described bank account information comprises the Bank Account Number of user, ID (identity number) card No. and phone number;
2), according to step 1) in the finger print information of ATM (Automatic Teller Machine) identification, by reserved identifying code, password or its verification mode combined, authentication is carried out to user;
3), after authentication is passed through, financial transaction is carried out; Otherwise Fail Transaction, transfers the information of this user, move instruction, to banking control system, is taked forbid the transaction of this card or make a phone call to examine to card user, is guaranteed safety.
2. controlling security of financial transactions according to claim 1, is characterized in that, described step 2) in, to the method that user carries out authentication, specifically comprise:
According to the phone number in described bank account information, send the mobile terminal of identifying code to user;
Receive the identifying code of user's input, judge that whether described identifying code is identical with the identifying code sent, if identical, then verified by identifying code;
After being verified by identifying code, also comprise:
Checking trading password;
If both checkings are identical, then by authentication, otherwise enter step 3).
3. controlling security of financial transactions according to claim 1, is characterized in that, to the method that user carries out authentication, specifically comprises:
According to the phone number in described bank account information, send the mobile terminal of identifying code to user;
Receive the identifying code of user's input, judge that whether described identifying code is identical with the identifying code sent, if identical, then verified by identifying code;
After being verified by identifying code, also comprise:
Receive the encrypted message of user's input, described encrypted message and the encrypted message corresponding to described Bank Account Number be stored in banking system are made comparisons, if both are identical, then by authentication, otherwise enter step 3).
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510734732.8A CN105354471A (en) | 2015-10-30 | 2015-10-30 | Financial transaction security control method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510734732.8A CN105354471A (en) | 2015-10-30 | 2015-10-30 | Financial transaction security control method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105354471A true CN105354471A (en) | 2016-02-24 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510734732.8A Pending CN105354471A (en) | 2015-10-30 | 2015-10-30 | Financial transaction security control method |
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| Country | Link |
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| CN (1) | CN105354471A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105930765A (en) * | 2016-02-29 | 2016-09-07 | 中国银联股份有限公司 | Payment method and device |
| CN107153994A (en) * | 2017-04-19 | 2017-09-12 | 深圳怡化电脑股份有限公司 | A kind of method for authenticating user identity, fiscard and financial terminal |
| CN112002075A (en) * | 2020-08-06 | 2020-11-27 | 厦门理工学院 | Information processing method and device for improving safety of storage cabinet |
Citations (3)
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| CN101783039A (en) * | 2009-12-29 | 2010-07-21 | 广州广电运通金融电子股份有限公司 | Method and terminal for controlling security of financial transactions |
| CN103236119A (en) * | 2013-04-11 | 2013-08-07 | 上海工程技术大学 | ATM (automatic teller machine) with fingerprint identification function |
| CN104318665A (en) * | 2014-09-10 | 2015-01-28 | 张复青 | System for precluding financial false cards |
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2015
- 2015-10-30 CN CN201510734732.8A patent/CN105354471A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101783039A (en) * | 2009-12-29 | 2010-07-21 | 广州广电运通金融电子股份有限公司 | Method and terminal for controlling security of financial transactions |
| CN103236119A (en) * | 2013-04-11 | 2013-08-07 | 上海工程技术大学 | ATM (automatic teller machine) with fingerprint identification function |
| CN104318665A (en) * | 2014-09-10 | 2015-01-28 | 张复青 | System for precluding financial false cards |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105930765A (en) * | 2016-02-29 | 2016-09-07 | 中国银联股份有限公司 | Payment method and device |
| WO2017148258A1 (en) * | 2016-02-29 | 2017-09-08 | 中国银联股份有限公司 | Payment method, device, and apparatus |
| CN107153994A (en) * | 2017-04-19 | 2017-09-12 | 深圳怡化电脑股份有限公司 | A kind of method for authenticating user identity, fiscard and financial terminal |
| CN112002075A (en) * | 2020-08-06 | 2020-11-27 | 厦门理工学院 | Information processing method and device for improving safety of storage cabinet |
| CN112002075B (en) * | 2020-08-06 | 2022-02-01 | 厦门理工学院 | Information processing method and device for improving safety of storage cabinet |
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| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20160224 |
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