CN113438223A - Bank card security setting method and device - Google Patents

Bank card security setting method and device Download PDF

Info

Publication number
CN113438223A
CN113438223A CN202110697658.2A CN202110697658A CN113438223A CN 113438223 A CN113438223 A CN 113438223A CN 202110697658 A CN202110697658 A CN 202110697658A CN 113438223 A CN113438223 A CN 113438223A
Authority
CN
China
Prior art keywords
withdrawal
security setting
client
account opening
customer
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CN202110697658.2A
Other languages
Chinese (zh)
Other versions
CN113438223B (en
Inventor
刘娟
杨青刚
樊璐
吴书迪
李夕
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Bank of China Ltd
Original Assignee
Bank of China Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Bank of China Ltd filed Critical Bank of China Ltd
Priority to CN202110697658.2A priority Critical patent/CN113438223B/en
Publication of CN113438223A publication Critical patent/CN113438223A/en
Application granted granted Critical
Publication of CN113438223B publication Critical patent/CN113438223B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for authentication of entities
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W4/00Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12Messaging; Mailboxes; Announcements
    • H04W4/14Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]
    • YGENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02DCLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D30/00Reducing energy consumption in communication networks
    • Y02D30/70Reducing energy consumption in communication networks in wireless communication networks

Landscapes

  • Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Computer Hardware Design (AREA)
  • Computer Security & Cryptography (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a bank card security setting method and a bank card security setting device, which relate to the technical field of mobile interconnection, wherein the method comprises the following steps: acquiring customer information, wherein the customer information comprises a customer identifier; the client identification is sent to a Unionpay system through 5G information, and all bank cards opened by the client are inquired; providing a card number list of all opened bank cards for a client, and receiving 5G information of the card number of the specified bank card selected by the client for security setting and the content of security setting to be performed; determining a first target account opening row to which the specified bank card number belongs, and respectively sending a security setting 5G message to each first target account opening row, wherein the security setting 5G message comprises the specified bank card number and security setting content of account opening of the first target account opening row, and is used for indicating the first target account opening row to perform security setting on the specified bank card according to the security setting content. The invention can simplify the steps of the bank card security setting of the customer and improve the customer experience.

Description

Bank card security setting method and device
Technical Field
The invention relates to the technical field of mobile interconnection, in particular to a bank card security setting method and device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
The security problem of the bank account of the customer is always an important problem, and security events such as remote withdrawal, overseas withdrawal and the like often occur. The current bank supports to carry out safe setting to the bank card in cell-phone bank APP, but need download APP, and the registration, the login process is loaded down with trivial details to only support the setting of this bank card.
Disclosure of Invention
The embodiment of the invention provides a bank card security setting method, which is used for solving the problems that when a customer carries out bank card security setting in a mobile phone bank APP at present, the APP needs to be downloaded, registered and logged in, only the bank card of the bank is supported to be set, if a plurality of bank cards of an issuer are set, the steps are required to be repeated for a plurality of times, the operation is complicated, and inconvenience is brought to the customer, and the method comprises the following steps:
acquiring customer information, wherein the customer information comprises a customer identifier;
the client identification is sent to a Unionpay system through 5G information, and all bank cards opened by the client are inquired;
providing a card number list of all opened bank cards for a client, and receiving 5G information of the card number of the specified bank card selected by the client for security setting and the content of security setting to be performed;
determining a first target account opening row to which the specified bank card number belongs, and respectively sending a security setting 5G message to each first target account opening row, wherein the security setting 5G message comprises the specified bank card number and security setting content of account opening of the first target account opening row, and is used for indicating the first target account opening row to perform security setting on the specified bank card according to the security setting content.
The embodiment of the invention also provides a bank card security setting device, which is used for solving the problems that when a customer carries out bank card security setting in a mobile phone bank APP at present, the APP needs to be downloaded, registered and logged in, and only the bank card of the bank is supported to be set, if a plurality of bank cards of an issuer are set, the steps are required to be repeated for a plurality of times, the operation is more complicated, and inconvenience is brought to the user, and the device comprises:
the system comprises an acquisition module, a storage module and a processing module, wherein the acquisition module is used for acquiring client information which comprises a client identifier;
the communication module is used for sending the client identification to the Unionpay system through 5G information and inquiring all bank cards opened by the client;
the communication module is also used for providing a card number list of all opened bank cards for a client, receiving 5G information of the card number of the specified bank card selected by the client for security setting and the content of security setting to be performed;
the determining module is used for determining a first target account opening row to which the specified bank card number belongs, and the communication module sends a security setting 5G message to each first target account opening row respectively, wherein the security setting 5G message comprises the specified bank card number and security setting content of account opening of the first target account opening row and is used for indicating the first target account opening row to perform security setting on the specified bank card according to the security setting content.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the bank card security setting method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the bank card security setting method.
In the embodiment of the invention, all the bank cards opened by the customer can be directly obtained from the Unionpay system according to the customer information, and the bank cards can be the same bank account opening bank or different bank account opening banks; sending the card number lists of all banks to a customer through 5G information to select one or more designated bank cards for security setting, and receiving security setting contents which the customer wants to set; after the bank card security setting method is used, security setting 5G messages are sent to all bank card banks, and the bank card security setting method instructs the bank card banks to set up the bank card. By the method provided by the embodiment of the invention, the client can realize the communication with the bank card security setting device through the 5G message without downloading APP and performing APP registration, login and other processes, and can simultaneously realize the security setting of a plurality of bank cards belonging to different account opening banks, thereby simplifying the operation steps of the security setting, saving the time of the client and improving the experience of the client.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart of a bank card security setting method according to an embodiment of the present invention;
FIG. 2 is a flow chart of another bank card security setting method according to an embodiment of the present invention;
FIG. 3 is a flowchart of another bank card security setting method according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a bank card security setting apparatus according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The embodiment of the invention provides a bank card security setting method, as shown in fig. 1, the method comprises steps 101 to 104:
step 101, obtaining client information, wherein the client information comprises a client identifier.
The client identifier may be identification information set by the bank behavior client, or identity information of the client, such as an identity card number, may be used as the client identifier.
The customer information can be manually input by a customer, and the identification number and the name can also be inquired through a mobile phone number. Specifically, a query request is sent to a customer information system of an operator by a 5G message so as to acquire the identity number and the name of a customer handling the mobile phone number.
And 102, sending the client identification to a Unionpay system through 5G information, and inquiring all bank cards opened by the client.
The bank union system stores the customer information of each bank, and can inquire the bank card opened by the customer in each bank through the customer identification uniformly used by each bank.
The 5G message is information received and sent in a short message APP carried by a mobile phone system by adopting a 5G network, and supports multimedia formats such as pictures, texts, audio, video and the like.
And 103, providing the card number list of all the opened bank cards for the client, and receiving the 5G message of the specified bank card number selected by the client for security setting and the content of the security setting to be performed.
And providing a card number list of all the bank cards opened by the customer to the customer, wherein in the card number list, the user can select all or part of the bank card numbers in a full selection, single selection or multi-selection mode to be used as the appointed bank card number which is required to be set safely.
The security setting content comprises night locking time period setting, common city and region setting, single-stroke and accumulated quota setting and/or region setting for allowing outdoor withdrawal.
Specifically, after the night locking time period is set, withdrawal cannot pass the security check in the locking time period. For example, if the night lock time period is set from 23 o ' clock to 6 o ' clock of the next day, the withdrawal is not limited by the night lock time period from 6:00:01 to 22:59:59 o ' clock.
It should be noted that the night lock period may be set to any period of 24 hours a day, and is not limited to night.
After the common city and the region are set, withdrawal from the city and the region cannot pass the safety verification in the country. For example, if the set city and area are Beijing, the withdrawal cannot pass the security check at any place outside the Beijing.
After the single-stroke sum of accumulated amount is set, if the withdrawal amount exceeds the single-stroke sum of accumulated amount, or the accumulated withdrawal amount of the client exceeds the accumulated amount, the safety check cannot be passed.
After the region where the foreign cash withdrawal is permitted is set, the foreign cash withdrawal in other countries or regions than the region where the foreign cash withdrawal is permitted cannot pass the security check.
It should be noted that, the user determines the security setting content according to the self requirement, and the security setting content may include the above four settings at the same time, or may include one or more of the settings.
And 104, determining a first target account opening row to which the specified bank card number belongs, and respectively sending a security setting 5G message to each first target account opening row, wherein the security setting 5G message comprises the specified bank card number and security setting content of account opening of the first target account opening row and is used for indicating the first target account opening row to perform security setting on the specified bank card according to the security setting content.
Because different banks have different business number sections, the bank card number belonging bank account opening bank can be determined according to the different business number sections in the bank card number.
And when the first target account opening bank receives the 5G message of the security setting, the security setting is carried out on the specified bank card.
In the embodiment of the present invention, after instructing the first target issuer to perform security setting on the specified bank card according to the security setting content, as shown in fig. 2, the following steps 201 to 204 may also be performed:
step 201, receiving a withdrawal request sent by a customer, where the withdrawal request includes a withdrawal card number, a withdrawal amount, a withdrawal location, and a withdrawal time.
The customer can insert a card to withdraw money on the ATM or withdraw money without the card, when the customer passes account password verification, the withdrawal amount is input on the ATM, the ATM automatically acquires the withdrawal place and the withdrawal time, and the withdrawal place and the withdrawal time are packaged into a withdrawal request.
Step 202, determining a second target account opening row to which the withdrawal card number belongs, and acquiring the security setting content of the customer on the bank card corresponding to the withdrawal card number from the second target account opening row.
In another implementation, if the security setting content is not obtained, that is, the customer does not perform any security setting, it is determined that the withdrawal request passes the security check.
And step 203, carrying out safety verification on the withdrawal amount, the withdrawal place and/or the withdrawal time according to the safety setting content.
Specifically, the night locking time period is set, and whether the withdrawal time is out of the night locking time period is checked; aiming at the common cities and the regions or the regions allowing the overseas withdrawal, whether the withdrawal places belong to the common cities and the regions or the regions allowing the overseas withdrawal is checked; and aiming at the single limit and the accumulated limit, checking whether the withdrawal amount is within the single limit and the accumulated limit.
And if any item in the security verification content does not pass the security verification, the security verification is considered to be failed. The security check is considered passed when all entries pass the security check.
And step 204, if the security check is passed, informing the second target account opening bank to provide funds to the customer in an amount equal to the withdrawal amount.
Through carrying out the security setting, can carry out the security check to every drawing, allow the drawing when the check passes, can strengthen the security of customer's fund.
After the withdrawal amount, the withdrawal place and/or the withdrawal time are/is securely checked in step 203 according to the security setting content, as shown in fig. 3, the following steps 301 to 304 may be further performed:
step 301, if the security check is not passed, sending a 5G message that the security check is not passed to the customer, and prompting the customer whether to determine to continue to execute the withdrawal transaction.
Step 302, when receiving the message that the customer determines to continue the withdrawal transaction, the customer terminal collects the biological information of the customer for strengthening authentication.
The biological information comprises face information, fingerprint information and voiceprint information.
And step 303, comparing the biological information of the client reserved in the second target account opening row with the biological information acquired by the client terminal.
And step 304, if the comparison is passed, informing the second target account opening bank to provide the funds with the amount equal to the withdrawal amount to the client.
There are also some emergency situations, for example, the customer needs to use money urgently and withdraw money in the night lock-out period; or the customer withdraws money when going on business to other cities, in the situations, the withdrawal request is initiated by the customer himself, but the safety check cannot pass the withdrawal transaction, in order to meet the withdrawal requirement of the customer under special situations and simultaneously consider the safety of the account, in the embodiment of the invention, the customer is informed of the message that the safety check does not pass the safety check, and whether the customer determines to continue to execute the transaction is prompted, if the customer determines to continue to execute the transaction, the customer is strengthened and authenticated by collecting the biological information, and after the strengthened authentication passes, the money is issued to the customer. Therefore, the withdrawal request is confirmed to be actually sent to the client, and the money can be provided to the client in time without influencing the use of the client.
In the embodiment of the invention, all the bank cards opened by the customer can be directly obtained from the Unionpay system according to the customer information, and the bank cards can be the same bank account opening bank or different bank account opening banks; sending the card number lists of all banks to a customer through 5G information to select one or more designated bank cards for security setting, and receiving security setting contents which the customer wants to set; after the bank card security setting method is used, security setting 5G messages are sent to all bank card banks, and the bank card security setting method instructs the bank card banks to set up the bank card. By the method provided by the embodiment of the invention, the client can realize the communication with the bank card security setting device through the 5G message without downloading APP and performing APP registration, login and other processes, and can simultaneously realize the security setting of a plurality of bank cards belonging to different account opening banks, thereby simplifying the operation steps of the security setting, saving the time of the client and improving the experience of the client.
The embodiment of the invention also provides a bank card security setting device, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the bank card security setting method, the implementation of the device can refer to the implementation of the bank card security setting method, and repeated parts are not described again.
As shown in fig. 4, the apparatus 400 includes an obtaining module 401, a communication module 402, and a determining module 403.
The obtaining module 401 is configured to obtain client information, where the client information includes a client identifier;
the communication module 402 is used for sending the client identifier to the unionpay system through 5G information and inquiring all bank cards opened by the client;
the communication module 402 is further configured to provide a card number list of all the bank cards opened to the customer, receive a 5G message of a card number of an appointed bank card selected by the customer for security setting, and receive a content of security setting to be performed;
the determining module 403 is configured to determine a first target issuer to which the specified bank card number belongs, and send a security setting 5G message to each first target issuer by the communication module 402, where the security setting 5G message includes the specified bank card number and security setting content that are issued by the first target issuer, and is used to instruct the first target issuer to perform security setting on the specified bank card according to the security setting content.
In one implementation manner of the embodiment of the present invention, the security setting content includes night lock time period setting, common city and region setting, single-pen and cumulative quota setting, and/or region setting for allowing overseas withdrawal.
In one implementation of an embodiment of the present invention,
the communication module 402 is further configured to receive a withdrawal request sent by a customer, where the withdrawal request includes a withdrawal card number, a withdrawal amount, a withdrawal location, and a withdrawal time;
the determining module 403 is further configured to determine a second target account opening row to which the withdrawal card number belongs, and the communication module 402 obtains security setting content of the bank card corresponding to the withdrawal card number from the second target account opening row by the customer;
a security verification module 404, configured to perform security verification on the withdrawal amount, the withdrawal location, and/or the withdrawal time according to security setting content;
the communication module 402 is further configured to notify the second destination issuer to provide funds to the customer in an amount equal to the withdrawal amount when the security check passes.
In one implementation of an embodiment of the present invention,
the communication module 402 is further configured to send a 5G message that the security check fails to pass to the customer when the security check fails, and prompt the customer whether to determine to continue to execute the withdrawal transaction;
when the communication module 402 receives a message that the customer determines to continue executing the withdrawal transaction, the acquisition module 405 acquires biological information of the customer through the customer terminal to perform enhanced authentication, wherein the biological information comprises face information, fingerprint information and voice print information;
a comparison module 406, configured to compare the biological information of the client reserved in the second target account opening row with the biological information acquired by the client terminal;
the communication module 402 is further configured to notify the second target issuer to provide funds to the customer in an amount equal to the withdrawal amount when the comparison passes.
In the embodiment of the invention, all the bank cards opened by the customer can be directly obtained from the Unionpay system according to the customer information, and the bank cards can be the same bank account opening bank or different bank account opening banks; sending the card number lists of all banks to a customer through 5G information to select one or more designated bank cards for security setting, and receiving security setting contents which the customer wants to set; after the bank card security setting method is used, security setting 5G messages are sent to all bank card banks, and the bank card security setting method instructs the bank card banks to set up the bank card. By the method provided by the embodiment of the invention, the client can realize the communication with the bank card security setting device through the 5G message without downloading APP and performing APP registration, login and other processes, and can simultaneously realize the security setting of a plurality of bank cards belonging to different account opening banks, thereby simplifying the operation steps of the security setting, saving the time of the client and improving the experience of the client.
An embodiment of the present invention further provides a computer device, and fig. 5 is a schematic diagram of the computer device in the embodiment of the present invention, where the computer device is capable of implementing all steps in the bank card security setting method in the embodiment, and the computer device specifically includes the following contents:
a processor (processor)501, a memory (memory)502, a communication Interface (Communications Interface)503, and a communication bus 504;
the processor 501, the memory 502 and the communication interface 503 complete mutual communication through the communication bus 504; the communication interface 503 is used for implementing information transmission between related devices;
the processor 501 is configured to call a computer program in the memory 502, and when the processor executes the computer program, the bank card security setting method in the above embodiments is implemented.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the bank card security setting method.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (10)

1. A bank card security setting method is characterized by comprising the following steps:
acquiring customer information, wherein the customer information comprises a customer identifier;
the client identification is sent to a Unionpay system through 5G information, and all bank cards opened by the client are inquired;
providing a card number list of all opened bank cards for a client, and receiving 5G information of the card number of the specified bank card selected by the client for security setting and the content of security setting to be performed;
determining a first target account opening row to which the specified bank card number belongs, and respectively sending a security setting 5G message to each first target account opening row, wherein the security setting 5G message comprises the specified bank card number and security setting content of account opening of the first target account opening row, and is used for indicating the first target account opening row to perform security setting on the specified bank card according to the security setting content.
2. The method of claim 1, wherein the security settings comprise night lock time period settings, city and region settings, single and cumulative limit settings, and/or region settings that allow for outbound withdrawals.
3. The method according to claim 1 or 2, wherein after instructing the first target issuer to perform security setting on the designated bank card according to the security setting contents, the method further comprises:
receiving a withdrawal request sent by a customer, wherein the withdrawal request comprises a withdrawal card number, a withdrawal amount, a withdrawal place and a withdrawal time;
determining a second target account opening row to which the withdrawal card number belongs, and acquiring security setting contents of the customer on the bank card corresponding to the withdrawal card number from the second target account opening row;
carrying out safety verification on the withdrawal amount, the withdrawal place and/or the withdrawal time according to the safety setting content;
if the security check passes, the second targeted issuer is notified to provide funds to the customer in an amount equal to the withdrawal amount.
4. The method of claim 3, wherein after the security verification of the withdrawal amount, the withdrawal location and/or the withdrawal time according to the security settings, the method further comprises:
if the safety verification is not passed, sending a 5G message that the safety verification is not passed to the customer, and prompting the customer whether to determine to continue to execute the withdrawal transaction;
when receiving a message that a client determines to continue to execute the withdrawal transaction, acquiring biological information of the client through a client terminal to perform enhanced authentication, wherein the biological information comprises face information, fingerprint information and voice print information;
comparing the biological information of the client reserved in the second target account opening row with the biological information acquired by the client terminal;
and if the comparison is passed, informing the second target account opening bank to provide the funds with the amount equal to the withdrawal amount to the client.
5. A bank card security setting device, the device comprising:
the system comprises an acquisition module, a storage module and a processing module, wherein the acquisition module is used for acquiring client information which comprises a client identifier;
the communication module is used for sending the client identification to the Unionpay system through 5G information and inquiring all bank cards opened by the client;
the communication module is also used for providing a card number list of all opened bank cards for a client, receiving 5G information of the card number of the specified bank card selected by the client for security setting and the content of security setting to be performed;
the determining module is used for determining a first target account opening row to which the specified bank card number belongs, and the communication module sends a security setting 5G message to each first target account opening row respectively, wherein the security setting 5G message comprises the specified bank card number and security setting content of account opening of the first target account opening row and is used for indicating the first target account opening row to perform security setting on the specified bank card according to the security setting content.
6. The apparatus of claim 5, wherein the security settings comprise night lock time period settings, city and region settings, single and cumulative limit settings, and/or region settings allowing for overseas withdrawal.
7. The apparatus of claim 5 or 6,
the communication module is also used for receiving a withdrawal request sent by a customer, wherein the withdrawal request comprises a withdrawal card number, a withdrawal amount, a withdrawal place and a withdrawal time;
the determining module is also used for determining a second target account opening row to which the withdrawal card number belongs, and the communication module acquires the security setting content of the bank card corresponding to the withdrawal card number from the second target account opening row;
the safety verification module is used for performing safety verification on the withdrawal amount, the withdrawal place and/or the withdrawal time according to the safety setting content;
and the communication module is also used for informing the second target account opening bank to provide funds with the same amount as the withdrawal amount to the client when the security verification is passed.
8. The apparatus of claim 7,
the communication module is also used for sending a 5G message that the safety check fails to pass to the customer when the safety check fails, and prompting the customer whether to determine to continue to execute the withdrawal transaction;
when the communication module receives a message that the customer determines to continue to execute the withdrawal transaction, the acquisition module acquires biological information of the customer through the customer terminal to carry out strengthened authentication, wherein the biological information comprises face information, fingerprint information and voice print information;
the comparison module is used for comparing the biological information of the client reserved in the second target account opening row with the biological information acquired by the client terminal;
and the communication module is also used for informing the second target account opening bank to provide funds with the same amount as the withdrawal amount to the client when the comparison is passed.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
CN202110697658.2A 2021-06-23 2021-06-23 Bank card security setting method and device Active CN113438223B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202110697658.2A CN113438223B (en) 2021-06-23 2021-06-23 Bank card security setting method and device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202110697658.2A CN113438223B (en) 2021-06-23 2021-06-23 Bank card security setting method and device

Publications (2)

Publication Number Publication Date
CN113438223A true CN113438223A (en) 2021-09-24
CN113438223B CN113438223B (en) 2023-05-12

Family

ID=77753453

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202110697658.2A Active CN113438223B (en) 2021-06-23 2021-06-23 Bank card security setting method and device

Country Status (1)

Country Link
CN (1) CN113438223B (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN114639209A (en) * 2022-03-24 2022-06-17 中国银行股份有限公司 POS machine consumption verification setting method and system based on 5G message

Citations (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4485300A (en) * 1982-03-18 1984-11-27 Visa U.S.A., Inc. Loss control system
CN1848184A (en) * 2005-12-27 2006-10-18 沈福明 Bank account quota stop payment system
CN102842182A (en) * 2012-09-11 2012-12-26 刘永强 Method for additionally setting large-amount fund withdrawal password for ensuring fund security of bank depositor
CN102930470A (en) * 2012-09-18 2013-02-13 深圳一卡通新技术有限公司 Mobile phone position based bank card transaction safety pre-warning method
CN103136699A (en) * 2011-12-02 2013-06-05 张艺 Money withdrawing and transaction method without bank card
CN103455916A (en) * 2012-05-28 2013-12-18 中国银联股份有限公司 Remote wireless authentication method and remote wireless authentication system
CN104036594A (en) * 2013-12-10 2014-09-10 深圳怡化电脑股份有限公司 Alarm method for ATM abnormal withdrawal
CN107203879A (en) * 2017-05-04 2017-09-26 陕西科技大学 A kind of bank card strange land illegal system and method based on mobile terminal
CN107545291A (en) * 2016-06-27 2018-01-05 汪风珍 A kind of cell phone bank card and its financial trade method
CN108629689A (en) * 2018-04-09 2018-10-09 上海瀚银信息技术有限公司 A method of limit is carried out to transaction
CN111461704A (en) * 2020-03-17 2020-07-28 福建省农村信用社联合社 Method and system for magnetic stripe card transaction safety lock of rural financial institution
CN111882317A (en) * 2020-07-03 2020-11-03 北京三快在线科技有限公司 Business processing system, readable storage medium and electronic device

Patent Citations (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4485300A (en) * 1982-03-18 1984-11-27 Visa U.S.A., Inc. Loss control system
CN1848184A (en) * 2005-12-27 2006-10-18 沈福明 Bank account quota stop payment system
CN103136699A (en) * 2011-12-02 2013-06-05 张艺 Money withdrawing and transaction method without bank card
CN103455916A (en) * 2012-05-28 2013-12-18 中国银联股份有限公司 Remote wireless authentication method and remote wireless authentication system
CN102842182A (en) * 2012-09-11 2012-12-26 刘永强 Method for additionally setting large-amount fund withdrawal password for ensuring fund security of bank depositor
CN102930470A (en) * 2012-09-18 2013-02-13 深圳一卡通新技术有限公司 Mobile phone position based bank card transaction safety pre-warning method
CN104036594A (en) * 2013-12-10 2014-09-10 深圳怡化电脑股份有限公司 Alarm method for ATM abnormal withdrawal
CN107545291A (en) * 2016-06-27 2018-01-05 汪风珍 A kind of cell phone bank card and its financial trade method
CN107203879A (en) * 2017-05-04 2017-09-26 陕西科技大学 A kind of bank card strange land illegal system and method based on mobile terminal
CN108629689A (en) * 2018-04-09 2018-10-09 上海瀚银信息技术有限公司 A method of limit is carried out to transaction
CN111461704A (en) * 2020-03-17 2020-07-28 福建省农村信用社联合社 Method and system for magnetic stripe card transaction safety lock of rural financial institution
CN111882317A (en) * 2020-07-03 2020-11-03 北京三快在线科技有限公司 Business processing system, readable storage medium and electronic device

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN114639209A (en) * 2022-03-24 2022-06-17 中国银行股份有限公司 POS machine consumption verification setting method and system based on 5G message
CN114639209B (en) * 2022-03-24 2024-02-23 中国银行股份有限公司 POS machine consumption verification setting method and system based on 5G message

Also Published As

Publication number Publication date
CN113438223B (en) 2023-05-12

Similar Documents

Publication Publication Date Title
US7478065B1 (en) Payment transaction method and payment transaction system
US10679439B2 (en) Method and device for controlling code lock
US20120150737A1 (en) Payment transaction client, server and system
CA2856801C (en) Peer-to-peer payment registration and activation
KR102067808B1 (en) System and method for communicating credentials
CN105989485B (en) Service management method and device
US20130046689A1 (en) System and Method for Facilitating Transactions
US20210406909A1 (en) Authorizing transactions using negative pin messages
CN113112266A (en) Multi-card processing method and system based on 5G message and block chain
CN113259868B (en) Cross-provincial emergency card changing method and device
CN113438223A (en) Bank card security setting method and device
CN111626742A (en) Transaction processing method and device
CN115730944A (en) Identity verification method and device
CN109327814B (en) Short message processing method and device, electronic equipment and readable storage medium
US20090210343A1 (en) Payment system
CN112988820A (en) Service processing method and device
CN113301569B (en) Reserved mobile phone number replacement method and device
RU2644144C2 (en) Method and system of protection of payment made via payment card
CA2877218C (en) Method for securing a transaction performed by bank card
CN111639731B (en) Method and device for modifying reserved mobile phone number based on teller machine and teller machine system
CN113259870B (en) Auxiliary card opening method and device
TWI839875B (en) Payment method, user terminal, device, equipment, system and medium
CN115083079B (en) Card swallowing processing method and system
CN111932800A (en) Security verification method and device
CN113469693A (en) Method, system and nodes for providing service by using mobile terminal based on block chain

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
GR01 Patent grant
GR01 Patent grant