CN101587578A - Method for guaranteeing safe payment and settlement in bank - Google Patents

Abstract

The invention discloses a method for guaranteeing safe payment and settlement in a bank. A huge sum of capital is not needed to be input to update the prior settlement network and payment tool, and anti-counterfeiting techniques for bank cards are not needed to be developed. By utilizing the prior bank payment system and running mode, the method only needs to slightly change a run program; according to requirements of a customer, the program can control a customer bank account in a freeze mode daily, receives a 'customer account unfreezing instruction' sent by the customer at any time to trigger unfreezing the customer account so as to handle payment service, controls the initial state for issuing a bank draft to be 'freeze', and unfreezes the initial state after receiving a 'bill unfreezing instruction' of a final legal payee in a date due to pay money of the draft; therefore, the capital safety is fully guaranteed.

Description

A kind of method for guaranteeing safe payment and settlement in bank

Affiliated technical field

The present invention relates to the method that a kind of bank guarantees safe payment and settles accounts.

Background technology

At present, because science and technology development is with rapid changepl. never-ending changes and improvements, when the life for us brings convenience, owing to the offender also implements crime, brings increasing threat for our bank settlement fund security in grasp and use new technology.The case of utilizing clone's banker's bill and the capable draft of white alloy to carry out the fund swindle happens occasionally, owing to do not have effective prevention and control means, perplexing the sound development of banker's bill business always.But bank card and bankbook are on the hazard as increasingly extensive the safe in utilization of it of a kind of convenient and practical means of account settlement, range of application.The offender on ATM (automatic teller machine) with the first-class instrument of miniature video camera obtain information, the clone forges bank card and steals client's fund, and the bank aspect can only be to take the method that cash dispenser is patrolled is on time tackled the criminal offence of this mode passively.Bank card business is universal day by day, and does not have a kind of more safe and practical payment and settlement instrument to replace it in a short time.If do not have effective method to prevent that the clone from forging the bank card crime, bring serious day by day threat will certainly for the business development of bank and client's fund.Client's bankbook also is forged easily, and client's fund is sustained a loss.

Summary of the invention

Bank card is forged by the clone easily as the payment medium, but client's phone information and phone can not obtained by the offender and use simultaneously, Mobile banking, telephone bank, Web bank are widely used, facts have proved that its security is very high now, if use the client before cash payment such as bank card and bankbook and the accounting payment, after phone, mobile phone, the Web bank by registration comes in advance oneself some accounts are sent the instruction of drawing cash or accounting payment, could or transfer accounts with this bank card or bankbook extraction cash.The case that just can avoid the offender to clone fully forging bank card and bankbook to steal clients fund takes place.The phone that banker's bill just is set to when signing and issuing to be set by this client, mobile phone or control its state by Web bank just can stop clone's forgery banker's bill to swindle the generation of fund case.

The technical solution adopted for the present invention to solve the technical problems is: utilize existing bank payment system and operational mode; only need change slightly working procedure---make its increase " protection of account automatic stay "; associative operation function and banker's bills " draft is signed and issued initially and freezed " such as " the customer self-service account are thawed "; " automatic cash collecting people change "; associative operation functions such as " finally the payee is self-service thaw "; can be according to client's needs; program can be controlled client's the daily frozen state that is in of bank account; " customer account thaw instruction " that is receiving that the client sends only---trigger the customer account that thaws after; can normally handle payment transaction according to the amount of setting or in the time period of setting; the original state that banker's bill is signed and issued is " freezing "; expire and thaw behind " bill thaw instruction " that receives final legal payee; paying ticket fee; send " payee's change directive " in when negotiability by the holder in due course of bill instruction control power is transferred payee or endorsee, thereby realize that the client can pass through mobile phone; phone or Web bank control in real time to oneself account and bill state; with abundant guarantee fund security.

" protection of account automatic stay " function is that a certain this function of account application that the client opens oneself is also set the phone that the account is controlled; mobile phone or the account is articulated to my Web bank after; make the account can pass through the phone that client oneself sets; mobile phone or " customer account thaw instruction " account of thawing in real time of sending by Web bank; the client handles that the account of finishing the professional of reservation or surpassing reservation thaws after the period can automatic stay; " customer account thaw instruction " that does not have that the client sends is in the account frozen state all the time; even this moment, genuine bank card or bankbook all can not extract cash and the operation of transferring accounts; realize " system's automatic stay; customer self-service is thawed "; also can on cash dispenser or POS machine, carry out " emergent thaw operation " or carry out " operation of thawing in real time " at clerk counter; specifically: use the customer account of this function must register the phone that it is controlled; three kinds of control modes of mobile phone or Web bank a kind of or whole; when the client draws cash or transfers accounts at needs; the instruction of thawing of the note account of can be anywhere or anytime using mobile phone to send set form to bank payment system in advance earlier; perhaps send the account instruction of thawing according to the voice suggestion of bank payment system with phone and mobile phone; perhaps debarkation net goes to bank account is sent the account instruction of thawing; after instruction is sent; the bank settlement system thaws according to the customer account that receives and instructs the destiny account with being about to the client to thaw; the client just can use extraction cash such as bank card or bankbook or transferred accounts in the bank payment settlement system this moment; after finishing predetermined business operation; system can automatically return to frozen state to the account immediately, can carry out " emergent thaw operation " under special circumstances or carry out " operation of thawing in real time " at clerk counter on cash dispenser or POS machine.Even bank card or bankbook etc. also are out of use after being cloned forgery by the lawless person like this, can not cause the fund loss after simultaneously bank card or bankbook etc. are lost yet and lose after also need not handle and report the loss, directly get final product with apply for another new bank card or bankbook of perfect instrument, ensured bank settlement and client's fund security to greatest extent.

Banker's bill " draft is signed and issued initially and freezed ", " automatic cash collecting people change ", " initially freezing " in the associative operation functions such as " finally the payee is self-service thaw " is when the issuing bank draft, the program default conditions are for freezing, the check drawer is set in input simultaneously or the payee carries out the phone or the mobile phone of State Control to it, in the time of along with the payment of bill and negotiability, with " automatic cash collecting people change " function control is transferred the payee by mobile phone or the phone of setting by the check drawer, perhaps with " automatic cash collecting people change " function control is transferred the endorsee by mobile phone or the phone of setting by the payee, payee last when expiring by that analogy, handles the collection to the bank of deposit, sending " final payee thaw instruction " by mobile phone or the phone of setting makes draft be in the thawed state paying ticket fee.

The invention has the beneficial effects as follows, only need bank that the program of existing payment and settlement system is changed a little, just can come into operation, can come into operation as soon as possible.Need not drop into a huge sum of money and update the equipment and change the existing means of payment, cut down expenses.The means of payment can be compared to a key can open lock, increase again now coded lock, the lawless person can copy key easily, still can not obtain password easily---open coded lock, copy key is also just nonsensical, and this method can effectively guarantee the safe operation of bank payment system and fully ensure client's fund security.

Claims (3)

1. the bank method of clearing that guarantees safe payment; still use existing settlement payment system and clearing form; it is characterized in that: utilize existing bank payment system and operational mode; only need change slightly working procedure---make its increase " protection of account automatic stay "; associative operation function and banker's bills " draft is signed and issued initially and freezed " such as " the customer self-service account are thawed "; " automatic cash collecting people change "; associative operation functions such as " finally the payee is self-service thaw "; can be according to client's needs; program can be controlled client's the daily frozen state that is in of bank account; " customer account thaw instruction " that is receiving that the client sends only---trigger the customer account that thaws after; can normally handle payment transaction according to the amount of setting or in the time period of setting; the original state that banker's bill is signed and issued is " freezing "; expire and thaw behind " bill thaw instruction " that receives final legal payee; paying ticket fee sends " payee's change directive " in when negotiability by the holder in due course of bill instruction control power is transferred payee or endorsee.

2. " protection of account automatic stay " according to claim 1 function; it is characterized in that: " protection of account automatic stay " function is that a certain this function of account application that the client opens oneself is also set the phone that the account is controlled; mobile phone or the account is articulated to my Web bank after; make the account can pass through the phone that client oneself sets; mobile phone or " customer account thaw instruction " account of thawing in real time of sending by Web bank; the client handles that the account of finishing the professional of reservation or surpassing reservation thaws after the period can automatic stay; " customer account thaw instruction " that does not have that the client sends is in the account frozen state all the time; even this moment, genuine bank card or bankbook all can not extract cash and the operation of transferring accounts; realize " system's automatic stay; customer self-service is thawed "; also can on cash dispenser or POS machine, carry out " emergent thaw operation " or carry out " operation of thawing in real time " at clerk counter; specifically: use the customer account of this function must register the phone that it is controlled; three kinds of control modes of mobile phone or Web bank a kind of or whole; when the client draws cash or transfers accounts at needs; the note account who can be anywhere or anytime uses mobile phone to send set form to the bank payment system in advance earlier instruction of thawing; perhaps send the account instruction of thawing according to the voice suggestion of bank payment system with phone and mobile phone; perhaps debarkation net goes to bank account is sent the account instruction of thawing; after instruction is sent; the bank settlement system thaws according to the customer account that receives and instructs the destiny account with being about to the client to thaw; the client just can use extraction cash such as bank card or bankbook or transferred accounts in the bank payment settlement system this moment; after finishing predetermined business operation; system can automatically return to frozen state to the account immediately, can carry out " emergent thaw operation " under special circumstances or carry out " operation of thawing in real time " at clerk counter on cash dispenser or POS machine.

3. banker's bill according to claim 1 " initially freezes ", " payee's change ", associative operation functions such as " final payee thaw instruction ", it is characterized in that: banker's bill " draft is signed and issued initially and freezed ", " automatic cash collecting people change ", " initially freezing " in the associative operation functions such as " finally the payee is self-service thaw " is when the issuing bank draft, the program default conditions are for freezing, the check drawer is set in input simultaneously or the payee carries out the phone or the mobile phone of State Control to it, in the time of along with the payment of bill and negotiability, with " automatic cash collecting people change " function control is transferred the payee by mobile phone or the phone of setting by the check drawer, perhaps with " automatic cash collecting people change " function control is transferred the endorsee by mobile phone or the phone of setting by the payee, payee last when expiring by that analogy, handles the collection to the bank of deposit, sending " final payee thaw instruction " by mobile phone or the phone of setting makes draft be in the thawed state paying ticket fee.