CN101393669A - Embezzling preventing method and system for band deposit - Google Patents
Embezzling preventing method and system for band deposit Download PDFInfo
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- CN101393669A CN101393669A CNA2008100719936A CN200810071993A CN101393669A CN 101393669 A CN101393669 A CN 101393669A CN A2008100719936 A CNA2008100719936 A CN A2008100719936A CN 200810071993 A CN200810071993 A CN 200810071993A CN 101393669 A CN101393669 A CN 101393669A
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Abstract
The invention relates to a method and a system for preventing peculation of bank deposit, in particular to a method and a system for preventing peculation of the deposit of a personal savings card. The method comprises the steps of reading card, verifying the password and sending a withdrawing request. The method is characterized in that the management system of a bank also needs to send a message for withdrawal confirmation to the mobile phone specified by a customer, and makes payment to the card holder if receiving the withdrawal confirmation message fed back from the mobile phone; and if receiving withdrawal refusal message fed back from the mobile phone, the management system refuses the payment. The promotion and the application of the method and the system can effective prevent peculation of deposit, can be favorable for reporting to the police in time, solving the case and reducing crime, and can also provide a great quantity of value added services for banks and operators such as the China Mobile.
Description
Technical field
The present invention relates to the antitheft neck method and system of a kind of cash in banks, particularly a kind of individual savings card that effectively prevents is deposited the method and system of stolen neck.
Background technology
At present, plunder or the frame case idol of stumbling has generation, for stealing cash, the unprincipled fellow threatens by force the victim to surrender deposit card often, informs that the deposit card password goes to bank or ATM (Automatic Teller Machine) to steal the neck deposit thereafter.And prior art can't prevent the generation that this type of deposit is stolen consul's part effectively, and in time reports to the police when crime dramas takes place and fight crime to contact the police to take action rapidly.
Summary of the invention
The objective of the invention is to provide the method and system of the antitheft neck of a kind of cash in banks, these method and system can prevent effectively that the unprincipled fellow from stealing the cash in banks of getting other people behind bank book or deposit card and the password.
The technical solution used in the present invention is: the antitheft neck method of this cash in banks, comprise Card Reader, password check and send the request step of drawing money, it is characterized in that, bank management system also must send the information of asking affirmation to draw money of asking to the mobile phone of client's appointment, promptly pays the bill to the card holder as the confirmation of drawing money that obtains the mobile phone feedback; As obtain mobile phone feedback refuse claim money information and then refuse payment.
For convenience the deposit card householder carries out small amount and withdraws the money, and the antitheft neck method of cash in banks of the present invention another feature is, through relatively, directly pays the bill to the card holder when the amount of money of drawing money is lower than the predefined small amount of the client higher limit bank management system of withdrawing the money.
The antitheft neck of cash in banks of the present invention system, comprise the bank management system of drawing money terminal and being connected with the terminal of drawing money through communication network, it is characterized in that, also be provided with customer information database, central processing module on the described bank management system and draw money the outer device of asking;
Store the phone number information of each customer information and each client's appointment on the described customer information database, bank management system is when the request of drawing money that obtains the user, judge whether the affirmation of to draw money by central processing module, if desired, then central processing module is transferred the specified mobile phone number corresponding with this client from customer information database, and sends to ask to ask and confirm the information of drawing money by the outer device of asking of drawing money; Central processing module outside drawing money, ask device receive draw money confirm or refuse to claim money information after, send information to the terminal of drawing money.
Remarkable advantage of the present invention: the one, carry out step owing to have additional mobile phone by client's appointment about the further affirmation of drawing money, therefore both made the unprincipled fellow obtain the password of certain householder's deposit card, and stolen to bank when it and but refused to lead when leading other people to deposit because of the affirmation that can not get the cellphone subscriber.The 2nd, under the situation of the instruction of withdrawing the money that does not obtain the deposit card householder, ask and confirm the information of drawing money when appointed cellphone subscriber obtains inquiry that bank management system sends, this cellphone subscriber person of drawing money that can determine to hold is the suspect, and in time reports to the police in order to solving a case; In like manner, also can directly report to the police during in the information of same that obtains to refuse to claim money when bank management system to the police.The 3rd, the applying of this method, not only can prevent to deposit stolen neck, helping in time reports to the police to solve a case diminishes crime, and can be operators such as bank and mobile communication a large amount of added value services are provided, send or receive once about confirming that the information bank or the common carrier of drawing money can collect several yuans to deposit card householder or cellphone subscriber.
The present invention is described in further detail below in conjunction with drawings and the specific embodiments.
Description of drawings
Fig. 1 is the system network architecture synoptic diagram of the embodiment of the invention.
Fig. 2 is the system module syndeton synoptic diagram of the embodiment of the invention.
Embodiment
The antitheft neck method of cash in banks of the present invention, comprise Card Reader, password check and send the request step of drawing money, it is characterized in that bank management system also must send the information of asking affirmation to draw money of asking to the mobile phone of client's appointment, promptly pay the bill to the card holder as the confirmation of drawing money that obtains the mobile phone feedback; As obtain mobile phone feedback refuse claim money information and then refuse payment.
For convenience the deposit card householder carries out small amount and withdraws the money, and the antitheft neck method of cash in banks of the present invention embodiment two is characterised in that, through relatively, bank management system is directly paid the bill to the card holder when the amount of money of drawing money is lower than the predefined small amount of client and withdraws the money higher limit.
Steal the suspect who leads other people to deposit for control in time, bank management system is reported to the police to the police when obtaining to refuse to claim the money information of same.
The antitheft neck of cash in banks of the present invention system, comprise the bank management system of drawing money terminal and being connected with the terminal of drawing money through communication network, it is characterized in that, also be provided with customer information database, central processing module on the described bank management system and draw money the outer device of asking;
Store the phone number information of each customer information and each client's appointment on the described customer information database, bank management system is when the request of drawing money that obtains the user, judge whether the affirmation of to draw money by central processing module, if desired, then central processing module is transferred the specified mobile phone number corresponding with this client from customer information database, and sends to ask to ask and confirm the information of drawing money by the outer device of asking of drawing money; Central processing module outside drawing money, ask device receive draw money confirm or refuse to claim money information after, send information to the terminal of drawing money.
In the most preferred embodiment of system of the present invention, above-mentioned customer information database is also in order to the small amount of storing each client higher limit of withdrawing the money, central processing module is when obtaining drawing money request, the small amount that reads this client's correspondence in the customer information database higher limit of withdrawing the money, and compare with the amount of money of desiring to draw money, the amount of money surpasses the small amount higher limit of withdrawing the money if desire to draw money, then central processing module is transferred the specified mobile phone number corresponding with this client from customer information database, to carry out the next operation steps that the third party draws money and confirms; The amount of money surpasses the small amount higher limit of withdrawing the money if desire to draw money, and then central processing module is directly replied the confirmation of drawing money and given the terminal of drawing money.
In system of the present invention, the communication of the terminal of drawing money and bank management system is achieved in that the above-mentioned terminal of drawing money is provided with the terminal communication module, correspondence is provided with the upper layer communication module on the described bank management system, described terminal communication module sends user's request of drawing money and corresponding user profile to the upper strata communication module, and drawing money of receiving that the upper layer communication module sends confirmed or refused to claim money information;
Also be provided with autoalarm on the above-mentioned bank management system, when obtaining to refuse to claim money information, to report to the police to the police.
The above-mentioned terminal of drawing money is the computing machine that ATM (automatic teller machine) or bank's business window are used to carry out business processing
The outer inquiry device of drawing money of the present invention can be the note cat, described note cat asks the note and receive answer short message of confirming to draw money, the central processing module of bank management system to extract to obtain the information of drawing money affirmation or refusing to claim money in order to send to ask to designated mobile phone from the content of answer short message.
Outer another embodiment of asking device of drawing money of the present invention is, the described outer inquiry device of drawing money is an external calling device, described external calling device confirms to draw money phone in order to dial to designated mobile phone to ask to ask, and the central processing module of bank management system obtains the information of drawing money and confirming or refusing to claim money according to the answer operation information of phone.
Outer the 3rd embodiment of asking device of drawing money of the present invention is, the described outer device of asking of drawing money comprises note cat and external calling device, described note cat sends to ask to ask to designated mobile phone confirms to draw money note, if in setting-up time, there is not answer short message, then the central processing module of bank management system is dialed to ask to ask to designated mobile phone by external calling device and is confirmed to draw money phone, and obtains the information of drawing money and confirming or refusing to claim money according to the answer operation information of phone.
Embodiment one
Certain Mrs white collar, handbag is stolen accidentally, the robber obtains bankbook from its handbag and the notebook in handbag is found the bankbook password, when the robber holds bankbook to bank's 3,000 Renminbi that require to withdraw the money, and behind the input password, management system of the present invention is sent the information of asking affirmation to draw money of asking to the preassigned mobile phone of this Ms, the user of mobile phone is this Ms's husband, because of not obtaining the information that this Ms withdraws deposit about needs, the information that this Ms's husband in time refuses to claim money by mobile phone to management system feedback of the present invention is refused payment after banking terminal is learned.
Embodiment two
Certain manager of trading company is kidnaped, and the password of its deposit card and deposit card is stolen.When holding deposit card, the unprincipled fellow withdraws the money 4,000 yuan the time at cabinet-type air conditioner, handle the predefined small amount higher limit (3,000 yuan) of withdrawing the money owing to exceed this, so cabinet-type air conditioner is handled preassigned mobile phone through mobile communications network to this and is sent the information of asking affirmation to draw money of asking, the user of mobile phone is this manager's assistant, because of not obtaining the information that this manager withdraws deposit about needs, the information that this assistant in time refuses to claim money by mobile phone and mobile communications network to bank's feedback, banking terminal obtain refusing payment to report to the police to the police simultaneously behind the feedback information winning the time of solving a case.
More than be preferred embodiment of the present invention, all changes of doing according to technical solution of the present invention when the function that is produced does not exceed the scope of technical solution of the present invention, all belong to protection scope of the present invention.
The inventive method and system apply, and can not only effectively prevent to deposit stolen neck, and helping in time reports to the police to solve a case diminishes crime, and provides a large amount of added value services but also can be operators such as bank and mobile communication.
Claims (11)
1, the antitheft neck method of a kind of cash in banks, comprise Card Reader, password check and send the request step of drawing money, it is characterized in that bank management system also must send the information of asking affirmation to draw money of asking to the mobile phone of client's appointment, promptly pay the bill to the card holder as the confirmation of drawing money that obtains the mobile phone feedback; As obtain mobile phone feedback refuse claim money information and then refuse payment.
2, the antitheft neck method of cash in banks according to claim 1 is characterized in that, through relatively, bank management system is directly paid the bill to the card holder when the amount of money of drawing money is lower than the predefined small amount of client and withdraws the money higher limit.
3, the antitheft neck method of cash in banks according to claim 1 and 2 is characterized in that, bank management system is reported to the police to the police when obtaining to refuse to claim the money information of same.
4, a clock adopts the antitheft neck of the cash in banks system of method according to claim 1, comprise the bank management system of drawing money terminal and being connected with the terminal of drawing money through communication network, it is characterized in that, also be provided with customer information database, central processing module on the described bank management system and draw money the outer device of asking;
Store the phone number information of each customer information and each client's appointment on the described customer information database, bank management system is when the request of drawing money that obtains the user, judge whether the affirmation of to draw money by central processing module, if desired, then central processing module is transferred the specified mobile phone number corresponding with this client from customer information database, and sends to ask to ask and confirm the information of drawing money by the outer device of asking of drawing money; Central processing module outside drawing money, ask device receive draw money confirm or refuse to claim money information after, send information to the terminal of drawing money.
5, the antitheft neck of cash in banks according to claim 4 system, it is characterized in that, described customer information database is also in order to the small amount of storing each client higher limit of withdrawing the money, central processing module is when obtaining drawing money request, the small amount that reads this client's correspondence in the customer information database higher limit of withdrawing the money, and compare with the amount of money of desiring to draw money, to judge whether the affirmation of need drawing money.
6, the antitheft neck of cash in banks according to claim 4 system, it is characterized in that, the described terminal of drawing money is provided with the terminal communication module, correspondence is provided with the upper layer communication module on the described bank management system, described terminal communication module sends user's request of drawing money and corresponding user profile to the upper strata communication module, and drawing money of receiving that the upper layer communication module sends confirmed or refused to claim money information.
7, the antitheft neck of cash in banks according to claim 4 system is characterized in that, the described terminal of drawing money is the computing machine that ATM (automatic teller machine) or bank's business window are used to carry out business processing.
8, the antitheft neck of cash in banks according to claim 4 system, it is characterized in that, the described outer inquiry device of drawing money is the note cat, described note cat asks the note and receive answer short message of confirming to draw money, the central processing module of bank management system to extract to obtain the information of drawing money affirmation or refusing to claim money in order to send to ask to designated mobile phone from the content of answer short message.
9, the antitheft neck of cash in banks according to claim 4 system, it is characterized in that, the described outer inquiry device of drawing money is an external calling device, described external calling device confirms to draw money phone in order to dial to designated mobile phone to ask to ask, and the central processing module of bank management system obtains the information of drawing money and confirming or refusing to claim money according to the answer operation information of phone.
10, the antitheft neck of cash in banks according to claim 4 system, it is characterized in that, the described outer device of asking of drawing money comprises note cat and external calling device, described note cat sends to ask to ask to designated mobile phone confirms to draw money note, if in setting-up time, there is not answer short message, then the central processing module of bank management system is dialed to ask to ask to designated mobile phone by external calling device and is confirmed to draw money phone, and obtains the information of drawing money and confirming or refusing to claim money according to the answer operation information of phone.
11, the antitheft neck of cash in banks according to claim 4 system is characterized in that, also is provided with autoalarm on the described bank management system, to report to the police to the police when obtaining to refuse to claim money information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008100719936A CN101393669A (en) | 2008-10-24 | 2008-10-24 | Embezzling preventing method and system for band deposit |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008100719936A CN101393669A (en) | 2008-10-24 | 2008-10-24 | Embezzling preventing method and system for band deposit |
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| Publication Number | Publication Date |
|---|---|
| CN101393669A true CN101393669A (en) | 2009-03-25 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2008100719936A Pending CN101393669A (en) | 2008-10-24 | 2008-10-24 | Embezzling preventing method and system for band deposit |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101854628A (en) * | 2010-04-27 | 2010-10-06 | 王卫东 | Password verification system and password verification method |
| CN105956916A (en) * | 2016-04-22 | 2016-09-21 | 佛山垒亚银行设备科技有限公司 | Bank self-service safety-deposit box application control and management charging system and method |
-
2008
- 2008-10-24 CN CNA2008100719936A patent/CN101393669A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101854628A (en) * | 2010-04-27 | 2010-10-06 | 王卫东 | Password verification system and password verification method |
| CN105956916A (en) * | 2016-04-22 | 2016-09-21 | 佛山垒亚银行设备科技有限公司 | Bank self-service safety-deposit box application control and management charging system and method |
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Open date: 20090325 |