CN101441785A

CN101441785A - Self-service bank card anti-theft data processing method

Info

Publication number: CN101441785A
Application number: CNA2008101847787A
Authority: CN
Inventors: 包国文
Original assignee: Individual
Current assignee: Individual
Priority date: 2008-12-29
Filing date: 2008-12-29
Publication date: 2009-05-27

Abstract

The invention provides a method for processing theft-proof data of a self-help bank card, which comprises the following steps: a user sends out request information through an information terminal, and a bank information receiving/transmitting platform receives and transmits the request information to a data processing device; the data processing device verifies the user identity, then transfers the scheduled currency amount in a first account (bankbook) to a second account (bank card) according to the request information and generates a random code, and then transmits the random code to the information terminal through the information receiving/transmitting platform; the user sends out a transaction request on a transaction terminal by using the bank card and inputs a random transaction password which is changed by the user; the data processing device receives the transaction request through an interface and processes the transaction request of the user when the transaction password input by the user is judged to be correct; and when the transaction password input by the user is incorrect, the money in the card is returned to the first account. The first account is corresponding to the bankbook of the user and is corresponding to the bank card of the same user with the second account, and the first account and the second account can be linked and transfer account with each other.

Description

Self-service bank card anti-theft data processing method

Technical field

The present invention relates to a kind of computer network system and data processing method thereof, relate in particular to a kind of self-service bank card anti-theft data processing method.

Background technology

Along with the development of commercial and financial circles, people's consumption pattern changes the consumption that holds into by the cash consumption in past gradually.In order to ensure holder's consumption safety, set up bank card password usually.But, the keyboard of transaction terminal now is in exposed state usually, the key arrangement of keyboard is fixed, and keyboard has corresponding prompting keypad tone, make the lawless person can obtain the password of bank card, obtain user's bank card or card number again by the fraud that designs by button gimmick and multiple mode such as key prompting voice and computer virus.Like this, the property loss after common pin mode can not effectively be stopped user's bank card and password and is stolen.

Summary of the invention

The object of the present invention is to provide a kind of self-service bank card anti-theft method, this method can more effectively be avoided holder's property loss, and operation is simple for the holder.

The technical solution adopted for the present invention to solve the technical problems is:

By means of transaction terminal, banking network, server, platform and information terminal are received/sent out to information; Wherein, the user sends solicited message by information terminal to bank, and bank information is received/sent out the platform reception and sends this solicited message to data processing equipment; Change over to the predetermined dollar value among first account among second account according to this solicited message behind the data processing equipment identifying user identity and produce random code, then a platform is received/sent out to random code by information and send to information terminal;

The user uses bank card to send transaction request on transaction terminal and imports trading password; Trading password is to calculate by the method with bank agreement. (for example: the random code that bank sends is 76391, agreement is that the first place takes advantage of 8 to subtract 2 and the 3rd and take advantage of 102 to add 5 combination, and then password 54311) also the algorithm of available agreement calculate locking account or multiple passwords such as release account and warning.

Data processing equipment receives this transaction request by interface, when the trading password of judging user's input is correct, and the transaction request of process user.

When data processing equipment did not receive user's transaction request in the given time, the amount of money with second account went back to first account automatically.

Data processing equipment record password errors number, when errors number reached pre-determined number, the amount of money with second account went back to first account automatically.

First account only allows to deposit in operation, and second account allows accessing operation.

The invention has the beneficial effects as follows, can effectively avoid holder's property loss, and simple for the holder.Particularly, by self-service bank card anti-theft method of the present invention and data processing method thereof, even can not extract the deposit on the bank card so that other people have stolen holder's bank card and have obtained holder's bank card password.User's external exchange is only used bank card (i.e. second account), there is no money at ordinary times, only before transaction, change the money identical over to wanting number of transaction from first account (bankbook), and not concluding the business within a certain period of time just goes back to first account automatically, and second account's the password of withdrawing the money is (operational method be the method for user and bank agreement) of random code through producing after the computing of issuing the user after bank produces at random

Specific implementation method

1, use mobile phone:

The mobile phone of back binding of opening an account can be directly sends short message to the information platform of bank, and request is changed over to the debt of some by the past bank card of bankbook; The bank information platform receives the request back changes money, and issues a string random code of mobile phone simultaneously, as 234567; The user is according to calculating trading password with the agreement of bank, such as second of agreement random code take advantage of 105 add again 2 317, also arrange the 5th of random code take advantage of 9 subtract again 6 48. if it is 31748 that agreement is arranged password, be 365 if the agreement addition gets password; Certainly there are a lot of algorithms to arrange; The user just can be with the bank card bank paying etc. on the net of transferring accounts of swiping the card of withdrawing the money with this password; Finishing once, this password of transaction back promptly lost efficacy.

2, use landline telephone:

After putting through the information service platform number of bank on any landline telephone, by prompting input card number, input fixed password, voice constantly repeat to tell you random code is as 5678; Be second with bank agreement and take advantage of 3 to subtract 1 and take advantage of 7 to add 2 arrangement, when then password is 1758. arrearages can make mobile phone not have electricity like this time or leave behind mobile phone and do not have the mobile phone that the person also can use this dynamic password with the position, end.

3, use computer:

After connecting website of bank, import card number, fixed password; Website of bank beam back random code as 12345678 and the agreement of bank be the 4th take advantage of 9 subtract 6 backs with the 5th take advantage of 3 add 2 again addition to draw password be that 47. these passwords use once the back to lose efficacy.

4, the locking and unlocking of bank card:

By any one method with after the bank information platform is connected, by calculating lock code or PUK according to the random code that obtains with the algorithm of bank agreement.

Above-described embodiment; purpose of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the above only is the specific embodiment of the present invention; and be not intended to limit the scope of the invention; within the spirit and principles in the present invention all, any modification of being made, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.

Claims

1, a kind of self-service bank card anti-theft method is by self-service method the money in the own bankbook to be called in own bank card before the transaction, and trading password is to calculate by the method for arranging with bank.

When 2, data processing equipment did not receive user's transaction request in the given time, the amount of money with second account (bank card) went back to first account (bankbook) automatically.

3, first account only allows to deposit in operation, and second account allows accessing operation.

4, the trading password of user input is random code that bank is sent (example: the random code that bank sends is 35692 by changing the password that the back generates with the algorithm of bank agreement, take advantage of 16 to add 7 again and take advantage of 7 to subtract 3 back arrangements again with four figures with bank agreement second order digit, then password is exactly 8760; Also can add different numerals or code is represented different meanings in certain bits, as above add behind the position, example end 5 87605 expressions can be concluded the business, report to the police etc. and add 7 trading password 87607 expressions.

5, first account's lockable, the user can self-service the locking and unlocking first account.