CN101783039B - Method and terminal for controlling security of financial transactions - Google Patents
Method and terminal for controlling security of financial transactions Download PDFInfo
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- CN101783039B CN101783039B CN2009102142538A CN200910214253A CN101783039B CN 101783039 B CN101783039 B CN 101783039B CN 2009102142538 A CN2009102142538 A CN 2009102142538A CN 200910214253 A CN200910214253 A CN 200910214253A CN 101783039 B CN101783039 B CN 101783039B
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Abstract
The invention discloses a method and a terminal for controlling security of financial transactions. The method comprises the following steps: scanning a two-dimensional barcode picture saved in a user mobile terminal to acquire bank account information of the user; verifying identity of the user according to the bank account information; and carrying out financial transactions after the identity verification is passed. The terminal comprises a two-dimensional barcode scanning module, an identity verification module and a financial transaction module. In embodiment of the invention, financial transactions are performed by adopting the electronic two-dimensional barcode picture saved in the mobile terminal instead of the conventional magnetic stripe bank card, so that the security of the financial transactions is improved.
Description
Technical field
The present invention relates to the financial technology field, relate in particular to a kind of controlling security of financial transactions and terminal.
Background technology
In recent years, along with the develop rapidly of e-finance, finance self-help transaction progressively the becoming main path that financial institution is customer service.Yet People more and more uses ATM (ATM, Automatic Teller Machine) to carry out the finance self-help service continually, and finance self-help terminal security problem shows especially day by day, and taking precautions against finance self-help transaction crime has become a world subject.
Bank card is a service aid of being handled financial business by the confession client of issued by banks; When people utilize ATM to handle financial business; Common way is that the conventional magnetic bank card is inserted among the ATM, inputs password then, gets into the financial transaction system transacting business in the correct back of password.Yet, popularizing along with what bank card used, people usually have many different magnetic stripe bank cards on hand; Not only carry inconvenience; Also opportunity is provided, has gulped down card device such as installing, and minisize pick-up head is installed is taken user's trading password at the card inserting mouth of ATM for the lawless person utilizes the bank card crime; Utilize false card slot to duplicate bank card information and the pseudo-card theft of making etc.It is changeable, disguised strong that the lawless person utilizes bank card to steal the means of wealth, makes us hard to guard against.
Summary of the invention
The embodiment of the invention proposes a kind of controlling security of financial transactions and terminal, adopts the electronics shelves two-dimensional bar code picture of being stored in the portable terminal to substitute the conventional magnetic bank card and carries out financial transaction, has improved E-Security property.
The embodiment of the invention provides a kind of controlling security of financial transactions, comprising:
ATM scans the two-dimensional bar code picture of being stored in the customer mobile terminal, obtains user's bank account information;
According to said bank account information, the user is carried out authentication through the verification mode of identifying code, fingerprint, password or its combination;
After authentication is passed through, carry out financial transaction.
Wherein, said two-dimensional bar code picture is also to be stored in the electronics shelves two-dimensional bar code picture that contains bank account information in the customer mobile terminal in advance by what bank provided, and said bank account information comprises user's Bank Account Number and phone number.
Correspondingly, the embodiment of the invention also provides a kind of financial transaction terminal, comprising:
The two-dimensional bar code scan module is used for scanning the two-dimensional bar code picture that customer mobile terminal is stored, and obtains user's bank account information; Wherein, said bank account information comprises Bank Account Number and phone number;
Authentication module is used for the bank account information that obtains according to said two-dimensional bar code scan module, through the verification mode of identifying code, fingerprint, password or its combination the user is carried out authentication;
The financial transaction module is used for after authentication is passed through, and carries out financial transaction;
Said financial transaction terminal is an ATM.
Embodiment of the present invention embodiment has following beneficial effect:
Controlling security of financial transactions that the embodiment of the invention provides and terminal; In customer mobile terminal, store the electronics shelves two-dimensional bar code picture that contains bank account information that bank provides in advance; Carrying out obtaining bank account information through the two-dimensional bar code picture in the scanning portable terminal before the financial transaction, and authentication through after carry out financial transaction.The embodiment of the invention adopts the alternative conventional magnetic bank card of the electronics shelves two-dimensional bar code picture of being stored in the portable terminal to carry out financial transaction, can prevent that bank card and account information are stolen, and improves E-Security property.And portable terminal can be stored many two-dimensional bar code bank cards, realizes one-telephone multi-card, and is easy to carry.
Description of drawings
Fig. 1 is the schematic flow sheet of controlling security of financial transactions provided by the invention;
Fig. 2 is the schematic flow sheet of first embodiment of controlling security of financial transactions provided by the invention;
Fig. 3 is the schematic flow sheet of second embodiment of controlling security of financial transactions provided by the invention;
Fig. 4 is the schematic flow sheet of the 3rd embodiment of controlling security of financial transactions provided by the invention;
Fig. 5 is the schematic flow sheet of the 4th embodiment of controlling security of financial transactions provided by the invention;
Fig. 6 is the schematic flow sheet of the 5th embodiment of controlling security of financial transactions provided by the invention;
Fig. 7 is the structural representation of financial transaction terminal provided by the invention;
Fig. 8 is the structural representation of first embodiment of authentication module provided by the invention;
Fig. 9 is the structural representation of second embodiment of authentication module provided by the invention;
Figure 10 is the structural representation of the 3rd embodiment of authentication module provided by the invention.
Embodiment
To combine the accompanying drawing in the embodiment of the invention below, the technical scheme in the embodiment of the invention is carried out clear, intactly description, obviously, described embodiment only is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills are not making the every other embodiment that is obtained under the creative work prerequisite, all belong to the scope of the present invention's protection.
Referring to Fig. 1, be the schematic flow sheet of controlling security of financial transactions provided by the invention, this method may further comprise the steps:
S101 scans the two-dimensional bar code picture of being stored in the customer mobile terminal, obtains user's bank account information;
Wherein, Said two-dimensional bar code picture be provide by bank and be stored in the electronics shelves two-dimensional bar code picture that contains bank account information in the customer mobile terminal in advance; Said bank account information comprises user's Bank Account Number, can also add information such as phone number.
S102 carries out authentication according to said bank account information to the user;
S103 after authentication is passed through, carries out financial transaction.
During practical implementation; The two-dimensional bar code picture can be provided by bank when bank handles the bar code bank card the user; This two-dimensional bar code picture is associated with bank account, and enciphered data contains bank account information in the two-dimensional barcode information, comprises Bank Account Number or bankbook number, phone number etc.Bank can adopt modes such as multimedia message or bluetooth the two-dimensional bar code picture to be sent on user's the portable terminal, and the user adopts the two-dimensional bar code picture to carry out financial transaction as the bar code bank card.
Below in conjunction with accompanying drawing 2,3,4,5,6, controlling security of financial transactions provided by the invention is carried out detailed description.
Referring to Fig. 2, be the schematic flow sheet of first embodiment of controlling security of financial transactions provided by the invention.
Present embodiment substitutes the conventional magnetic bank card with the electronics shelves two-dimensional bar code picture of being stored in the portable terminal and carries out financial transaction, and adopts the mode of identifying code verification and finger-mark check, realizes the authentication of double insurance, improves E-Security property.This method specifically may further comprise the steps:
S201 scans the two-dimensional bar code picture of being stored in the customer mobile terminal, obtains user's bank account information; Wherein, said bank account information comprises user's Bank Account Number and phone number;
S202 according to the phone number in the said bank account information, sends the portable terminal of identifying code to the user;
S203 receives the identifying code that the user imports;
S204, the identifying code that judges is imported whether with step S202 in the identifying code that sends identical, if identical, then through identifying code checking, execution in step S205; If inequality, execution in step S208 then;
S205, scanning user's fingerprint obtains user's finger print information;
S206 makes comparisons said finger print information and the finger print information corresponding to said Bank Account Number that is stored in the banking system, if both are identical, and then through authentication, execution in step S207; If inequality, execution in step S208 then;
S207, authentication is passed through, and carries out financial transaction;
S208 finishes financial transaction.
The controlling security of financial transactions that first embodiment provides; Can be applied in the financial terminals such as ATM; Two-dimensional bar code scan module, note unit and fingerprint identification unit are set on existing ATM; When the user is stored in two-dimensional bar code picture in the portable terminal when on ATM, handling financial business as the bar code bank card with what bank provided; The last two-dimensional bar code scan module of ATM scans the two-dimensional bar code picture in the portable terminal, obtains user's account No. and phone number, through the form of note unit transmission check code cell-phone number is carried out verification again; And then through finger-mark check user identity is confirmed, authentication through after carry out financial transaction.
Referring to Fig. 3, be the schematic flow sheet of second embodiment of controlling security of financial transactions provided by the invention.
Present embodiment substitutes the conventional magnetic bank card with the electronics shelves two-dimensional bar code picture of being stored in the portable terminal and carries out financial transaction, and adopts the mode of identifying code verification and cryptographic check, realizes the authentication of double insurance, improves E-Security property.This method specifically may further comprise the steps:
S301 scans the two-dimensional bar code picture of being stored in the portable terminal of usefulness, obtains user's bank account information; Wherein, said bank account information comprises user's Bank Account Number and phone number;
S302 according to the phone number in the said bank account information, sends the portable terminal of identifying code to the user;
S303 receives the identifying code that the user imports;
S304, the identifying code that judges is imported whether with step S302 in the identifying code that sends identical, if identical, then through identifying code checking, execution in step S305; If inequality, execution in step S308 then;
S305 receives the encrypted message that the user imports;
S306 makes comparisons the encrypted message and the encrypted message corresponding to said Bank Account Number that is stored in the banking system of user's input, if both are identical, and then through authentication, execution in step S307; If not, execution in step S308 then;
S307, authentication is passed through, and carries out financial transaction;
S308 finishes financial transaction.
The controlling security of financial transactions that second embodiment provides; Can be applied in the financial terminals such as ATM; Two-dimensional bar code scan module and note unit are set on existing ATM, and when the user is stored in two-dimensional bar code picture in the portable terminal when on ATM, handling financial business as the bar code bank card with what bank provided, the last two-dimensional bar code scan module of ATM scans the two-dimensional bar code picture in the portable terminal; Obtain user's account No. and phone number; The form of sending check code through the note unit is again carried out verification to cell-phone number, and then through cryptographic check user identity is confirmed, authentication through after carry out financial transaction.
Referring to Fig. 4, be the schematic flow sheet of the 3rd embodiment of controlling security of financial transactions provided by the invention.
Present embodiment substitutes the conventional magnetic bank card with the electronics shelves two-dimensional bar code picture of being stored in the portable terminal and carries out financial transaction, and adopts the mode of finger-mark check and cryptographic check, realizes the authentication of double insurance, improves E-Security property.This method specifically may further comprise the steps:
S401 scans the two-dimensional bar code picture of being stored in the portable terminal of usefulness, obtains user's bank account information; Wherein, said bank account information comprises user's Bank Account Number;
S402, scanning user's fingerprint obtains user's finger print information;
S403 makes comparisons said finger print information and the finger print information corresponding to said Bank Account Number that is stored in the banking system, if both are identical, and then through fingerprint authentication, execution in step S404; If inequality, execution in step S407 then;
S404 receives the encrypted message that the user imports;
S405 makes comparisons the encrypted message and the encrypted message corresponding to said Bank Account Number that is stored in the banking system of user's input, if both are identical, and then through authentication, execution in step S406; If not, execution in step S407 then;
S406, authentication is passed through, and carries out financial transaction;
S407 finishes financial transaction.
The controlling security of financial transactions that the 3rd embodiment provides can be applied in the financial terminals such as ATM equally.When the user is stored in two-dimensional bar code picture in the portable terminal when on ATM, handling financial business as the bar code bank card with what bank provided; The last two-dimensional bar code scan module of ATM scans the two-dimensional bar code picture on the portable terminal; Obtain user's account No.; Through the mode of finger-mark check and cryptographic check user identity is confirmed again, authentication through after carry out financial transaction.
Referring to Fig. 5, be the schematic flow sheet of the 4th embodiment of controlling security of financial transactions provided by the invention.
Be that with the difference of above-mentioned first, second and third embodiment present embodiment only adopts the mode of finger-mark check to carry out user identification confirmation.This method specifically may further comprise the steps:
S501 scans the two-dimensional bar code picture of being stored in the portable terminal of usefulness, obtains user's bank account information; Wherein, said bank account information comprises user's Bank Account Number;
S502, scanning user's fingerprint obtains user's finger print information;
S503 makes comparisons said finger print information and the finger print information corresponding to said Bank Account Number that is stored in the banking system, if both are identical, and then through authentication, execution in step S504; If inequality, execution in step S505 then;
S504, authentication is passed through, and carries out financial transaction;
S505 finishes financial transaction.
Referring to Fig. 6, be the schematic flow sheet of the 5th embodiment of controlling security of financial transactions provided by the invention.
Be that with the difference of above-mentioned first, second and third embodiment present embodiment only adopts the mode of cryptographic check to carry out identity validation.This method specifically may further comprise the steps:
S601 scans the two-dimensional bar code picture of being stored in the portable terminal of usefulness, obtains user's bank account information; Wherein, said bank account information comprises user's Bank Account Number;
S602 receives the encrypted message that the user imports;
S603 makes comparisons the encrypted message and the encrypted message corresponding to said Bank Account Number that is stored in the banking system of user's input, if both are identical, and then through authentication, execution in step S604; If not, execution in step S605 then;
S604, authentication is passed through, and carries out financial transaction;
S605 finishes financial transaction.
The controlling security of financial transactions that fourth, fifth embodiment provides can be applied in the financial terminals such as ATM equally.When the user is stored in two-dimensional bar code picture in the portable terminal when on ATM, handling financial business as the bar code bank card with what bank provided; The last two-dimensional bar code scan module of ATM scans the two-dimensional bar code picture on the portable terminal; Obtain user's account No.; Through the mode of finger-mark check or cryptographic check user identity is confirmed again, authentication through after carry out financial transaction.
The controlling security of financial transactions that the embodiment of the invention provides; Adopt the electronics shelves two-dimensional bar code picture of being stored in the portable terminal to substitute the conventional magnetic bank card and carry out financial transaction; And user identity is confirmed through the verification mode of identifying code, fingerprint, password or its combination; Can prevent that bank card and account information are stolen, improve E-Security property, can be applied in the financial business of financial terminals such as ATM.And, can store many two-dimensional bar code bank cards on the portable terminal, realize one-telephone multi-card, easy to carry.
Referring to Fig. 7, be the structural representation of financial transaction terminal provided by the invention.
The financial terminal that present embodiment provides can be used in the controlling security of financial transactions that realizes in the foregoing description, and this financial terminal specifically comprises:
Two-dimensional bar code scan module 1 is used for scanning the two-dimensional bar code picture that customer mobile terminal is stored, and obtains user's bank account information; Wherein, said bank account information comprises Bank Account Number;
Financial transaction module 3 is used for after authentication is passed through, and carries out financial transaction.
Referring to Fig. 8, be the structural representation of first embodiment of authentication module 2.This authentication module 2 specifically comprises note unit 21, identifying code authentication unit 22, fingerprint identification unit 23 and fingerprint authentication unit 24, and it adopts the mode of identifying code verification and finger-mark check, realizes the authentication of double insurance.Wherein:
Note unit 21 is used for the phone number that obtained according to said two-dimensional bar code scan module 1, sends the portable terminal of identifying code to the user; Wherein, said phone number is included in the said bank account information;
Identifying code authentication unit 22 is used to receive the identifying code that the user imports, and judges whether said identifying code is identical with the identifying code of said SMS module 21 transmissions, if identical, then through the identifying code checking, otherwise the end financial transaction;
Referring to Fig. 9, be the structural representation of second embodiment of authentication module 2.This authentication module 2 specifically comprises note unit 21, identifying code authentication unit 22 and password authentification unit 25, and it adopts the mode of identifying code verification and cryptographic check, realizes the authentication of double insurance.Wherein:
Note unit 21 is used for the phone number that obtained according to said two-dimensional bar code scan module 1, sends the portable terminal of identifying code to the user; Wherein, said phone number is included in the said bank account information;
Identifying code authentication unit 22 is used to receive the identifying code that the user imports, and judges whether said identifying code is identical with the identifying code of said SMS module 21 transmissions, if identical, then through the identifying code checking, otherwise the end financial transaction;
Referring to Figure 10, be the structural representation of the 3rd embodiment of authentication module 2.This authentication module 2 specifically comprises fingerprint identification unit 23, fingerprint authentication unit 24 and password authentification unit 25, and it adopts the mode of finger-mark check and cryptographic check, realizes the authentication of double insurance.Wherein:
Further, in the 4th embodiment of authentication module provided by the invention, this authentication module 2 can also include only fingerprint identification unit 23 and fingerprint authentication unit 24, only adopts the mode of finger-mark check to carry out user identification confirmation.
In the 5th embodiment of authentication module provided by the invention, this authentication module 2 can also include only password authentification unit 25, only adopts the mode of cryptographic check to carry out user identification confirmation.
Controlling security of financial transactions that the embodiment of the invention provides and terminal; On customer mobile terminal, store the electronics shelves two-dimensional bar code picture that contains bank account information that bank provides in advance; Carrying out obtaining bank account information through the two-dimensional bar code picture in the scanning portable terminal before the financial transaction, and authentication through after carry out financial transaction.The embodiment of the invention adopts the alternative conventional magnetic bank card of the electronics shelves two-dimensional bar code picture of being stored in the portable terminal to carry out financial transaction; And user identity is confirmed through the verification mode of identifying code, fingerprint, password or its combination; Can prevent that bank card and account information are stolen; Improve E-Security property, may be used in the financial business of financial terminals such as ATM.And portable terminal can be stored many two-dimensional bar code bank cards, realizes one-telephone multi-card, and is easy to carry
One of ordinary skill in the art will appreciate that all or part of flow process that realizes in the foregoing description method; Be to instruct relevant hardware to accomplish through computer program; Described program can be stored in the computer read/write memory medium; This program can comprise the flow process like the embodiment of above-mentioned each side method when carrying out.Wherein, described storage medium can be magnetic disc, CD, read-only storage memory body (Read-Only Memory, ROM) or at random store memory body (Random Access Memory, RAM) etc.
The above is a preferred implementation of the present invention; Should be pointed out that for those skilled in the art, under the prerequisite that does not break away from the principle of the invention; Can also make some improvement and retouching, these improvement and retouching also are regarded as protection scope of the present invention.
Claims (11)
1. a controlling security of financial transactions is characterized in that, comprising:
ATM scans the two-dimensional bar code picture of being stored in the customer mobile terminal, obtains user's bank account information; Wherein, said two-dimensional bar code picture is also to be stored in the electronics shelves two-dimensional bar code picture that contains bank account information in the customer mobile terminal in advance by what bank provided, and said bank account information comprises user's Bank Account Number and phone number;
According to said bank account information, the user is carried out authentication through the verification mode of identifying code, fingerprint or password or its combination;
After authentication is passed through, carry out financial transaction.
2. controlling security of financial transactions as claimed in claim 1 is characterized in that, the method to the user carries out authentication specifically comprises:
According to the phone number in the said bank account information, send the portable terminal of identifying code to the user;
Receive the identifying code of user's input, judge whether said identifying code is identical with the identifying code that sends, if identical, then through the identifying code checking;
After through the identifying code checking, also comprise:
Scan user's fingerprint, obtain user's finger print information;
Said finger print information and the finger print information corresponding to said Bank Account Number that is stored in the banking system are made comparisons,,, otherwise finish financial transaction then through authentication if both are identical.
3. controlling security of financial transactions as claimed in claim 1 is characterized in that, the method to the user carries out authentication specifically comprises:
According to the phone number in the said bank account information, send the portable terminal of identifying code to the user;
Receive the identifying code of user's input, judge whether said identifying code is identical with the identifying code that sends, if identical, then through the identifying code checking;
After through the identifying code checking, also comprise:
Receive the encrypted message of user's input, said encrypted message and the encrypted message corresponding to said Bank Account Number that is stored in the banking system are made comparisons,,, otherwise finish financial transaction then through authentication if both are identical.
4. controlling security of financial transactions as claimed in claim 1 is characterized in that, the method to the user carries out authentication specifically comprises:
Scan user's fingerprint, obtain user's finger print information;
Said finger print information and the finger print information corresponding to said Bank Account Number that is stored in the banking system are made comparisons,, then pass through fingerprint authentication if both are identical;
After passing through fingerprint authentication, also comprise:
Receive the encrypted message of user's input, said encrypted message and the encrypted message corresponding to said Bank Account Number that is stored in the banking system are made comparisons,,, otherwise finish financial transaction then through authentication if both are identical.
5. controlling security of financial transactions as claimed in claim 1 is characterized in that, the method to the user carries out authentication specifically comprises:
Scan user's fingerprint, obtain user's finger print information;
Said finger print information and the finger print information corresponding to said Bank Account Number that is stored in the banking system are made comparisons,,, otherwise finish financial transaction then through authentication if both are identical.
6. controlling security of financial transactions as claimed in claim 1 is characterized in that, saidly according to said bank account information the user is carried out authentication, specifically comprises:
Receive the encrypted message of user's input, said encrypted message and the encrypted message corresponding to said Bank Account Number that is stored in the banking system are made comparisons,,, otherwise finish financial transaction then through authentication if both are identical.
7. a financial transaction terminal is characterized in that, comprising:
The two-dimensional bar code scan module is used for scanning the two-dimensional bar code picture that customer mobile terminal is stored, and obtains user's bank account information; Wherein, said bank account information comprises Bank Account Number and phone number;
Authentication module is used for the bank account information that obtains according to said two-dimensional bar code scan module, through the verification mode of identifying code, fingerprint, password or its combination the user is carried out authentication;
The financial transaction module is used for after authentication is passed through, and carries out financial transaction;
Said financial transaction terminal is an ATM.
8. financial transaction terminal as claimed in claim 7 is characterized in that, said authentication module specifically comprises:
The note unit is used for the phone number that obtained according to said two-dimensional bar code scan module, sends the portable terminal of identifying code to the user; Wherein, said phone number is included in the said bank account information;
The identifying code authentication unit is used to receive the identifying code that the user imports, and judges whether said identifying code is identical with the identifying code of said SMS module transmission, if identical, then through the identifying code checking, otherwise the end financial transaction.
9. like claim 7 or 8 described financial transaction terminals, it is characterized in that said authentication module also comprises:
Fingerprint identification unit is used to scan user's fingerprint, obtains user's finger print information;
The fingerprint authentication unit is used for finger print information that said fingerprint identification unit is obtained, makes comparisons with the finger print information that is stored in the banking system corresponding to said Bank Account Number, if both are identical, and then through authentication, otherwise the end financial transaction.
10. like claim 7 or 8 described financial transaction terminals, it is characterized in that said authentication module also comprises:
The password authentification unit is used to receive the encrypted message that the user imports, and said encrypted message and the encrypted message corresponding to said Bank Account Number that is stored in the banking system are made comparisons, if both are identical, then through authentication, otherwise finishes financial transaction.
11. financial transaction terminal as claimed in claim 7 is characterized in that, said authentication module specifically comprises:
Fingerprint identification unit is used to scan user's fingerprint, obtains user's finger print information;
The fingerprint authentication unit is used for finger print information that said fingerprint identification unit is obtained, makes comparisons with the finger print information corresponding to said Bank Account Number that is stored in the banking system, if both are identical, then through fingerprint authentication, otherwise finishes financial transaction;
The password authentification unit is used to receive the encrypted message that the user imports, and said encrypted message and the encrypted message corresponding to said Bank Account Number that is stored in the banking system are made comparisons, if both are identical, then through authentication, otherwise finishes financial transaction.
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| CN2009102142538A CN101783039B (en) | 2009-12-29 | 2009-12-29 | Method and terminal for controlling security of financial transactions |
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| CN2009102142538A CN101783039B (en) | 2009-12-29 | 2009-12-29 | Method and terminal for controlling security of financial transactions |
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