CN101968872A - Financial secure transaction method - Google Patents
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- CN101968872A CN101968872A CN2010102787757A CN201010278775A CN101968872A CN 101968872 A CN101968872 A CN 101968872A CN 2010102787757 A CN2010102787757 A CN 2010102787757A CN 201010278775 A CN201010278775 A CN 201010278775A CN 101968872 A CN101968872 A CN 101968872A
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Abstract
The invention relates to a financial secure transaction method, which comprises the following steps that: a multilevel password of an account and corresponding security protection parameters are generated in a financial transaction system; a system verifies the multilevel password and stores the security protection parameters and passwords meeting the rule; and the system allows performing password corresponding related transactions when receiving correct account information and correct password, wherein the multilevel password comprises a common password A, a limit password B and/or an alarm password C which are different from one another; the security protection parameter corresponding to the common password A is empty and the system displays the real balance of the account and allows the transaction within the balance; the security protection parameters corresponding to the limit password B and the alarm password C respectively limit the displayed balance of the account and the transaction is allowable within the balance; and when the alarm password C is used for transaction, the system collects an alarm signal for alarming. By the method, the multilevel password and the security protection parameters are set, so when the account and the password are illegally acquired, the capital loss of the account is limited within a preset range, the capital loss is controlled, and confidentiality is high; and when the capital of the account is illegally drawn, the system automatically collects infringement evidences to alarm, so that illegal behaviors are detected.
Description
Technical field
The present invention relates to a kind of financial disposal route, particularly a kind of financial security method of commerce.
Background technology
When existing financial trade method carries out authentication with pin mode,, generally use same password to carry out authentication for same transaction channel, same type of transaction.
There is following defective in the identification authentication mode of existing financial trade method:
1, during the channel transacting business of client beyond the bank counter, owing to need repeatedly input same password, the possibility that causes relationship trading authentication informations such as card number of the account, password, magnetic strip information to be divulged a secret improves greatly, because the continuous appearance of various financial crime means is also increasing to the threat of clients fund security; For example, when bank card used at automatic teller machine, relationship trading authentication informations such as magnetic strip information and password were usually stolen by the equipment of laying in advance of copying illegally by the lawless person, made puppet and were stuck in automatic teller machine, POS machine and other transaction channels and steal clients fund;
Be stolen or be robbed and get in case client password takes place, client's fund loss can't be effectively controlled; For example, plunder when the client runs into the robber, when being forced to surrender bank card and password, client's account funds is often robbed everything, and makes the client suffer unaffordable loss;
2, existing financial trade method can't identification extraction fund person be client or offender, does not also have respective risk degree limiting means, thereby can't carry out risk control;
3, when the account fund is illegally extracted, existing financial trade method can't be reported to the police automatically.
Summary of the invention
The technical problem to be solved in the present invention is, a kind of financial security method of commerce is provided, overcome that existing financial trade method exists at the client identity authentication password stolen or be robbed get the uncontrollable clients' accounts fund in back lose, can not discern the system operator identity, can not be in account funds defective such as report to the police automatically during by unauthorized theft.
The technical solution adopted for the present invention to solve the technical problems is: a kind of financial security method of commerce is provided, it is characterized in that, comprise the steps:
S1, the multistage password that in financial transaction system, produces target account and the safeguard protection parameter of password correspondences at different levels, multistage password is distinguished mutually, comprises the regular grade password, also comprise the limiter stage password and or the level password of reporting to the police; The safeguard protection parameter of regular grade password correspondence is empty, the safeguard protection parameter of limiter stage password correspondence limits the demonstration remaining sum of target account, the terminal operation person can conclude the business in the demonstration remaining sum that limits, the safeguard protection parameter of the level of reporting to the police password correspondence limits the demonstration remaining sum of target account, and the terminal operation person can conclude the business in the demonstration remaining sum that limits;
S2, the multistage password of financial transaction system verification, storage security protection parameter and the described password that meets the password rule when described password not match closes the password rule, are returned step S1;
When S3, financial transaction system were received correct target account information and correct regular grade password, the true remaining sum of display-object account also allowed the terminal operation person concludes the business in this remaining sum; When financial transaction system is received correct target account information and correct limiter stage password, show the target account remaining sum that the corresponding safeguard protection parameter of limiter stage password limits, and allow the terminal operation person in the demonstration remaining sum that limits, to conclude the business; When financial transaction system is received correct target account information and correct warning level password; the target account remaining sum that the corresponding safeguard protection parameter of display alarm level password limits; allow the terminal operation person in the demonstration remaining sum that limits, to conclude the business, and collect warning message, report to the police.
In financial security method of commerce of the present invention, step S3 comprises:
S31, terminal operation person are to financial transaction system input target account information and password;
S32, financial transaction system verification object accounts information and password, when target account information and or during the password mistake, return step S31; When target account information and password are correct, carry out next step;
S33, financial transaction system are carried out password and judge that when password was the regular grade password, the true remaining sum of financial transaction system display-object account allowed to conclude the business in this remaining sums; When password was the limiter stage password, financial transaction system showed the target account remaining sum that the corresponding safeguard protection parameter of limiter stage password limits, and allows to conclude the business in the demonstration remaining sum that limits; When password is warning level password, the target account remaining sum that the corresponding safeguard protection parameter of financial transaction system display alarm level password limits, permission is concluded the business in the demonstration remaining sum of qualification, and financial transaction system is collected warning message simultaneously, reports to the police.
In financial security method of commerce of the present invention, after step S2, comprise password modify steps SA, this step SA comprises:
SA1, terminal operation person are to financial transaction system input target account information and password;
SA2, financial transaction system verification object accounts information and password, when target account information and or during the password mistake, return step SA1; When target account information and password are correct, carry out next step;
SA3, financial transaction system enter password and revise the interface, and the terminal operation person carries out password and revises;
The modification password of distinguishing mutually with other password of target account that password that SA4, financial transaction system verification revise and storage meet the password rule, it is consistent with the original code rank that password is revised the back.
In financial security method of commerce of the present invention, after step S2, comprise password replacement step SB, this step SB comprises:
SB1, account householder provide target account information and account householder identity document by guaranteeing safe transaction channel to financial transaction system and the teller of financial institution;
SB2, the teller of financial institution check account householder identity document, and refusal is handled closing the transaction when people, card information inconsistency; When people, card information unanimity, carry out next step;
SB3, financial transaction system verification account householder identity information when account householder identity information mistake, show the identity information mistake, closing the transaction; When account householder identity information is correct, carry out next step;
SB4, financial transaction system enter password replacement interface;
SB5, account householder select the password rank and carry out password and reset;
SB6, financial transaction system verification replacement password and storage meet the password of other replacement of distinguishing mutually with target account of password rule.
In financial security method of commerce of the present invention, after step S2, comprise safeguard protection parameter modification step SC, this step SC comprises:
SC1, account householder provide target account information and account householder identity document by guaranteeing safe transaction channel to financial transaction system and the teller of financial institution;
SC2, the teller of financial institution check account householder identity document, and refusal is handled closing the transaction when people, card information inconsistency; When people, card information unanimity, carry out next step;
SC3, financial transaction system verification account householder identity information when account householder identity information mistake, show the identity information mistake, closing the transaction; When account householder identity information is correct, carry out next step;
SC4, account householder obtain financial transaction system and allow to enter modification safeguard protection parameter interface, carry out the safeguard protection parameter modification.
Implement financial security method of commerce of the present invention, compared with the prior art, its beneficial effect is:
1. by classification password and corresponding safeguard protection parameter are set, satisfy the safeguard protection requirement of account under different security contexts;
2. when under normal circumstances using the transaction of regular grade password, it is unaffected to conclude the business;
3. illegally copied illegally or be held as a hostage when being forced to surrender number of the account carrier (or accounts information) and reporting to the police the level password at accounts information and limiter stage password, can be by the safeguard protection parameter that is provided with, the fund limitation that account is shown and can draw has realized the amount control to the clients fund loss in safeguard protection parameter restricted portion;
At customer account by limiter stage safeguard protection cipher inquiry or when extracting fund, system can realize amount control automatically, the damage control when bank card magnetic strip information and password are illegally copied illegally is within setting range;
5. when customer account was protected the cipher inquiry or the fund of extraction by the warning level security, system can realize amount control automatically and send warning message, be convenient to evidence-gathering and detection to criminal offence.
Description of drawings
The invention will be further described below in conjunction with drawings and Examples, in the accompanying drawing:
Fig. 1 is the process flow diagram of financial security method of commerce embodiment one of the present invention.
Fig. 2 is common warning level password in the financial security method of commerce of the present invention, limiter stage password, the level of reporting to the police password transaction flow figure.
Fig. 3 is an embodiment of the employed financial secure transaction system of financial security method of commerce of the present invention.
Fig. 4 is password modification process figure in the financial security method of commerce of the present invention.
Fig. 5 is a password replacement process flow diagram in the financial security method of commerce of the present invention.
Fig. 6 is a safeguard protection parameter modification process flow diagram in the financial security method of commerce of the present invention.
Fig. 7 is the process flow diagram of financial security method of commerce embodiment two of the present invention.
Fig. 8 is the process flow diagram of financial security method of commerce embodiment three of the present invention.
Embodiment
Embodiment one
As shown in Figure 1, financial security method of commerce of the present invention comprises the steps:
The first step, the multistage password that produces target account in financial transaction system and the safeguard protection parameter of password correspondences at different levels, multistage password is distinguished mutually, comprises regular grade password, limiter stage password and the level password of reporting to the police.The safeguard protection parameter of regular grade password correspondence is empty; The safeguard protection parameter of limiter stage password correspondence limits the demonstration remaining sum of target account, and the terminal operation person can conclude the business in the demonstration remaining sum that limits; The safeguard protection parameter of the level of reporting to the police password correspondence limits the demonstration remaining sum of target account, and the terminal operation person can conclude the business in the demonstration remaining sum that limits.
In other embodiments, financial security method of commerce of the present invention can also be provided with the password of other level of security and the safeguard protection parameter of this password correspondence according to actual needs except that comprising regular grade password, limiter stage password and grade password of reporting to the police.
Wherein, the terminal operation person is bank cashier or self-help operation person (comprising the people of account householder or other grasp accounts informations etc.), and target account is the account that the client offers in financial institution.
The producing method of the safeguard protection parameter of multistage password and password correspondences at different levels includes but not limited to:
1,, revises voluntarily by the target account client that opens an account that passwords at different levels obtain new passwords at different levels, the safeguard protection parameter of revising password correspondences at different levels obtains new safeguard protection parameter by the safeguard protection parameter of financial transaction system to default passwords at different levels of target account and password correspondences at different levels;
2, when target account is opened an account, the safeguard protection parameter of passwords at different levels and password correspondences at different levels is set by the target account client that opens an account;
3, when target account is opened an account; by the safeguard protection parameter of bank cashier, revise voluntarily by the target account client that opens an account that passwords at different levels obtain new passwords at different levels, the safeguard protection parameter of revising password correspondences at different levels obtains new safeguard protection parameter to default passwords at different levels of target account and password correspondences at different levels.
The rule that the safeguard protection parameter of the safeguard protection parameter of limiter stage password correspondence and the level password correspondence of reporting to the police limits the demonstration remaining sum of target account includes but not limited to:
1, safeguard protection parameter is the demonstration remaining sum of target account, is thousand yuan as setting unit, and the safeguard protection parameter is set to 5, and then the demonstration remaining sum of target account is 5,000 yuan; Or setting unit be the unit, the safeguard protection parameter is set to 4826.58 yuan, then the demonstration remaining sum of target account is 4826.58 yuan;
The number below hundred of 2, safeguard protection parameter+target account real balance is the demonstration remaining sum of target account, as the actual available balance of target account is 3251428.67 yuan, setting unit is thousand yuan, and the safeguard protection parameter is set to 2, and then the demonstration remaining sum of target account is 2428.67 yuan;
The number below hundred of 3, safeguard protection parameter-target account real balance is the demonstration remaining sum of target account; as setting unit is thousand yuan; the safeguard protection parameter is set to 5; the actual available balance of target account is 3251428.67 yuan, and then the demonstration remaining sum of target account is a 5000-428.67=4571.33 unit.
The rule that the safeguard protection parameter limits target account demonstration remaining sum is built in the financial transaction system.The safeguard protection parameter of limiter stage password correspondence limit the target account rule that shows remaining sum and the corresponding safeguard protection parameter of level password of reporting to the police limit the rule that target account shows remaining sum can be identical, also can difference.
Second step, the multistage password of financial transaction system verification, storage security protection parameter and the described password that meets the password rule when described password not match closes the password rule, are returned the step first step.
Each rank password employing same-code rule as only allowing numeral, a permission letter or allowing any character etc., is distinguished the password rank to avoid illegal user according to the difference of dependency rule.When rule did not limit the password figure place, password figure places at different levels were determined freely that by account's the legal person of opening an account when rule limited the password figure place, passwords at different levels adopted identical figure place password.
When the 3rd step, financial transaction system were received correct target account information and correct regular grade password, the true remaining sum of display-object account also allowed the terminal operation person concludes the business in this remaining sum; When financial transaction system is received correct target account information and correct limiter stage password, show the target account remaining sum that the corresponding safeguard protection parameter of limiter stage password limits, and allow the terminal operation person in the demonstration remaining sum that limits, to conclude the business; When financial transaction system is received correct target account information and correct warning level password; the target account remaining sum that the corresponding safeguard protection parameter of display alarm level password limits; allow the terminal operation person in the demonstration remaining sum that limits, to conclude the business, and collect warning message, report to the police.
Warning message includes but not limited to that information, transaction terminal number, transaction terminals such as the benefited account number of transaction such as the exchange hour, dealing money, account transfer of the multilevel security protection transaction receiving system, safeguard protection financial transaction disposal system, customer information of bank system in the financial transaction system etc. or card number lay place or warning evidences such as IP address, process of exchange sound and image monitoring information.Financial transaction system is sent alerting signal to its security department system, reports to the police.
An embodiment of the financial secure transaction system that financial security method of commerce of the present invention uses is (financial security method of commerce of the present invention can use other to satisfy the object of the invention financial secure transaction system) as shown in Figure 3.This financial secure transaction system comprises that multistage password and safeguard protection parameter are provided with entry terminal A, multistage password storage recognition system B, authentication and financial transaction terminal C, multilevel security protection transaction receiving system D, safeguard protection financial transaction disposal system E, safety precautions disposal system F, bank core transaction system G, the H of customer information of bank system and security department system I.Wherein, authentication and financial transaction terminal C are existing terminal, and bank core transaction system G, the H of customer information of bank system and security department system I are existing system.
Multistage password and safeguard protection parameter are provided with that entry terminal comprises the cipher input (not shown), the password setting rank that is built in the cipher input selects modules A 1, password load module A2 and safeguard protection parameter that modules A 3 is set.Wherein, the password setting rank selects modules A 1 to select the password setting rank for the terminal operation person, and password load module A2 inputs password for the terminal operation person, and the safeguard protection parameter is provided with modules A 3 and for the terminal operation person safeguard protection parameter is set.
Multistage password storage recognition system B comprises password setting legitimacy judge module B1, password level identification module B2, multistage password storage database B3, multilevel security protection parameter stored data base B4 and multilevel security protection transaction data stored data base B5.Wherein, password setting legitimacy judge module B1 is used to judge the legitimacy of password setting; password level identification module B2 is used to discern the password rank that is provided with or imports; multistage password storage database B3 is used to store multistage password; multilevel security protection parameter stored data base B4 is used to store multilevel security protection parameter, and multilevel security protection transaction data stored data base B5 is used to store multilevel security protection transaction data.
Multilevel security protection transaction receiving system D comprises temporary module D2 of authentication instruction and financial transaction instruction and transaction results delivery module D1, safeguard protection parameter and transaction journal and safeguard protection disposal instruction output module D3.Wherein, authentication instruction and financial transaction instruction and transaction results delivery module D1 are used to transmit authentication instruction, financial transaction instruction and transaction results; the temporary module D2 of safeguard protection parameter and transaction journal is used for temporary safeguard protection parameter and transaction journal data, and safeguard protection is disposed the protection of instruction output module D3 output safety and disposed instruction.
Safeguard protection financial transaction disposal system F comprises safeguard protection transaction data restoration module E1, password and safeguard protection parameter modification module E2 and safeguard protection Account Disposal module E3.Wherein, safeguard protection transaction data restoration module E1 is used to restore the safeguard protection transaction data, and password and safeguard protection parameter modification module E2 are used to revise password and safeguard protection parameter, and safeguard protection Account Disposal module E3 is used to handle the safeguard protection account.
Safety precautions disposal system F comprises warning message collection module F1 and warning message sending module F2.Warning message collection module F1 is used to collect warning message, and warning message sending module F2 is used to send warning message.
Multistage password and safeguard protection parameter are provided with entry terminal A and communicate by letter with multistage password storage recognition system B, realize data input, identification and the storage of password and safeguard protection parameter.
Multistage password storage recognition system B communicates by letter with safeguard protection financial transaction disposal system E, realizes the mutual of safeguard protection transaction data.
Multistage password and safeguard protection parameter are provided with entry terminal A and communicate by letter with safeguard protection financial transaction disposal system E through multistage password storage recognition system B, realize the data identification of password and safeguard protection parameter, mutual and storage update.
Authentication and financial transaction terminal C communicate by letter with multilevel security protection transaction receiving system D, realize the data interaction of authentication information, financial transaction command information and transaction results information.
Authentication and financial transaction terminal C communicate by letter with safety precautions disposal system F, realize the data interaction of authentication and financial transaction terminal information.
Multilevel security protection transaction receiving system D communicates by letter with multistage password storage recognition system B, realizes the identification and the data interaction of authentication information, safeguard protection transaction data.
Multilevel security protection transaction receiving system D communicates by letter with safeguard protection financial transaction disposal system E, realizes the data interaction of financial transaction command information, transaction results information.
Safeguard protection financial transaction disposal system E communicates by letter with bank core transaction system G, realizes the data interaction of financial transaction command information, transaction results information.
Safety precautions disposal system F communicates by letter with multilevel security protection transaction receiving system D, realizes the data aggregation of authentication information, financial transaction instruction.
Safety precautions disposal system F communicates by letter with safeguard protection financial transaction disposal system E, realizes financial transaction result's data aggregation.
Safety precautions disposal system F communicates by letter with the H of customer information of bank system, realizes the collection of customer information.
Safety precautions disposal system F communicates by letter with security department system I, realizes that warning message sends.
The password setting rank that above-mentioned multistage password and safeguard protection parameter are provided with among the entry terminal A can be determined according to security needs; as according to security needs; regular grade, limiter stage and warning level three level security passwords are set; also can the security password of other tier levels be set according to concrete security needs.For same account, passwords at different levels should adopt mutually different password, so that realize the corresponding different safeguard protection ranks of the security password of different stage.
Each password rank all can be provided with and close/enable sign, closes in the time of also can setting this rank password for sky, does not enable during for sky.
In order to prevent that password ranks at different levels are by illegal user's identification of account; multistage password and safeguard protection parameter are provided with the password input operations at different levels interface of entry terminal and adopt same interface, distinguish the password rank to avoid illegal user according to the difference at password input operation interface.
As shown in Figure 2, financial security method of commerce of the present invention comprised in the 3rd step:
(1) the terminal operation person is to financial transaction system input target account information and password;
(2) financial transaction system verification object accounts information and password, when target account information and or during the password mistake, return step (); When target account information and password are correct, carry out next step;
(3) financial transaction system is carried out the password judgement, and when password was the regular grade password, the true remaining sum of financial transaction system display-object account allowed to conclude the business in this remaining sum; When password was the limiter stage password, financial transaction system showed the target account remaining sum that the corresponding safeguard protection parameter of limiter stage password limits, and allows to conclude the business in the demonstration remaining sum that limits; When password is warning level password, the target account remaining sum that the corresponding safeguard protection parameter of financial transaction system display alarm level password limits, permission is concluded the business in the demonstration remaining sum of qualification, and financial transaction system is collected warning message simultaneously, reports to the police.
For example; the actual available balance of target account is 3251428.67 yuan; the rule that the safeguard protection parameter limits the demonstration remaining sum of target account is " number below hundred of safeguard protection parameter-target account real balance is the demonstration remaining sum of target account "; safeguard protection parameter setting unit is thousand yuan; it is 5 that the corresponding safeguard protection parameter of limiter stage password is set, and it is 3 that warning level security protection parameter is set.The terminal operation person is when financial transaction system input target account information and regular grade password, and financial transaction system display-object account balance is 3251428.67 yuan, allows to conclude the business in this remaining sum; The terminal operation person is when financial transaction system input target account information and limiter stage password, and financial transaction system display-object account balance is 4571.33 yuan, allows to conclude the business in this remaining sum; The terminal operation person is when financial transaction system input target account information and warning level password, and financial transaction system display-object account balance is 2571.33 yuan, allows to conclude the business in this remaining sum, and collects warning message and report to the police.
As shown in Figure 4, financial security method of commerce of the present invention comprises the password modify steps after second step, and this password modify steps comprises:
(1) the terminal operation person is to financial transaction system input target account information and password;
(2) financial transaction system verification object accounts information and password, when target account information and or during the password mistake, return step (); When target account information and password are correct, carry out next step;
(3) financial transaction system enters password and revises the interface, allows the terminal operation person to carry out password and revises;
(4) password revised of financial transaction system verification and the storage modification password of distinguishing mutually with other password of target account that meets the password rule, it is consistent with the original code rank that password is revised the back.
As shown in Figure 5, financial security method of commerce of the present invention comprises password replacement step after second step, and this password replacement step comprises:
(1) the account householder provides target account information and account householder identity document by guaranteeing safe transaction channel to financial transaction system and the teller of financial institution;
(2) teller of financial institution checks account householder identity document, and refusal is handled closing the transaction when people, card information inconsistency; When people, card information unanimity, carry out next step;
(3) financial transaction system verification account householder identity information when account householder identity information mistake, shows the identity information mistake, closing the transaction; When account householder identity information is correct, carry out next step;
(4) financial transaction system enters password replacement interface;
(5) the account householder selects the password rank and carries out password and reset;
(6) financial transaction system verification replacement password and storage meet the password of other replacement of distinguishing mutually with target account of password rule.
As shown in Figure 6, financial security method of commerce of the present invention comprises safeguard protection parameter modification step after second step, and this safeguard protection parameter modification step comprises:
(1) the account householder provides target account information and account householder identity document by guaranteeing safe transaction channel to financial transaction system and the teller of financial institution;
(2) teller of financial institution checks account householder identity document, and refusal is handled closing the transaction when people, card information inconsistency; When people, card information unanimity, carry out next step;
(3) financial transaction system verification account householder identity information when account householder identity information mistake, shows the identity information mistake, closing the transaction; When account householder identity information is correct, carry out next step;
(4) the account householder obtains financial transaction system and allows to enter modification safeguard protection parameter interface, carries out the safeguard protection parameter modification.
Embodiment two
As shown in Figure 7, financial security method of commerce of the present invention comprises the steps:
The first step, the multistage password that produces target account in financial transaction system and the safeguard protection parameter of password correspondences at different levels, multistage password is distinguished mutually, comprises the close and limiter stage password of regular grade.The safeguard protection parameter of regular grade password correspondence is empty; The safeguard protection parameter of limiter stage password correspondence limits the demonstration remaining sum of target account, and the terminal operation person can conclude the business in the demonstration remaining sum that limits.
Second step, the multistage password of financial transaction system verification, storage security protection parameter and the described password that meets the password rule when described password not match closes the password rule, are returned the step first step.
When the 3rd step, financial transaction system were received correct target account information and correct regular grade password, the true remaining sum of display-object account also allowed the terminal operation person concludes the business in this remaining sum; When financial transaction system is received correct target account information and correct limiter stage password, show the target account remaining sum that the corresponding safeguard protection parameter of limiter stage password limits, and allow the terminal operation person in the demonstration remaining sum that limits, to conclude the business.
The corresponding regulation of other of present embodiment is identical with embodiment one with variation.
Embodiment three
As shown in Figure 8, financial security method of commerce of the present invention comprises the steps:
The first step, the multistage password that produces target account in financial transaction system and the safeguard protection parameter of password correspondences at different levels, multistage password is distinguished mutually, comprises the regular grade password and reports to the police a level password.The safeguard protection parameter of regular grade password correspondence is empty; The safeguard protection parameter of the level of reporting to the police password correspondence limits the demonstration remaining sum of target account, and the terminal operation person can conclude the business in the demonstration remaining sum that limits.
Second step, the multistage password of financial transaction system verification, storage security protection parameter and the described password that meets the password rule when described password not match closes the password rule, are returned the step first step.
When the 3rd step, financial transaction system were received correct target account information and correct regular grade password, the true remaining sum of display-object account also allowed the terminal operation person concludes the business in this remaining sum; When financial transaction system is received correct target account information and correct warning level password; the target account remaining sum that the corresponding safeguard protection parameter of display alarm level password limits; allow the terminal operation person in the demonstration remaining sum that limits, to conclude the business, and collect warning message, report to the police.
The corresponding regulation of other of present embodiment is identical with embodiment one with variation.
Claims (6)
1. a financial security method of commerce is characterized in that, comprises the steps:
S1, the multistage password that in financial transaction system, produces target account and the safeguard protection parameter of password correspondences at different levels, multistage password is distinguished mutually, comprises the regular grade password, also comprise the limiter stage password and or the level password of reporting to the police; The safeguard protection parameter of regular grade password correspondence is empty, the safeguard protection parameter of limiter stage password correspondence limits the demonstration remaining sum of target account, the terminal operation person can conclude the business in the demonstration remaining sum that limits, the safeguard protection parameter of the level of reporting to the police password correspondence limits the demonstration remaining sum of target account, and the terminal operation person can conclude the business in the demonstration remaining sum that limits;
S2, the multistage password of financial transaction system verification, storage security protection parameter and the described password that meets the password rule when described password not match closes the password rule, are returned step S1;
When S3, financial transaction system were received correct target account information and correct regular grade password, the true remaining sum of display-object account also allowed the terminal operation person concludes the business in this remaining sum; When financial transaction system is received correct target account information and correct limiter stage password, show the target account remaining sum that the corresponding safeguard protection parameter of limiter stage password limits, and allow the terminal operation person in the demonstration remaining sum that limits, to conclude the business; When financial transaction system is received correct target account information and correct warning level password; the target account remaining sum that the corresponding safeguard protection parameter of display alarm level password limits; allow the terminal operation person in the demonstration remaining sum that limits, to conclude the business, and collect warning message, report to the police.
2. financial secure transaction system as claimed in claim 1 is characterized in that step S3 comprises:
S31, terminal operation person are to financial transaction system input target account information and password;
S32, financial transaction system verification object accounts information and password, when target account information and or during the password mistake, return step S31; When target account information and password are correct, carry out next step;
S33, financial transaction system are carried out password and judge that when password was the regular grade password, the true remaining sum of financial transaction system display-object account allowed to conclude the business in this remaining sums; When password was the limiter stage password, financial transaction system showed the target account remaining sum that the corresponding safeguard protection parameter of limiter stage password limits, and allows to conclude the business in the demonstration remaining sum that limits; When password is warning level password, the target account remaining sum that the corresponding safeguard protection parameter of financial transaction system display alarm level password limits, permission is concluded the business in the demonstration remaining sum of qualification, and financial transaction system is collected warning message simultaneously, reports to the police.
3. financial secure transaction system as claimed in claim 2 is characterized in that, comprises password modify steps SA after step S2, and this step SA comprises:
SA1, terminal operation person are to financial transaction system input target account information and password;
SA2, financial transaction system verification object accounts information and password, when target account information and or during the password mistake, return step SA1; When target account information and password are correct, carry out next step;
SA3, financial transaction system enter password and revise the interface, and the terminal operation person carries out password and revises;
The modification password of distinguishing mutually with other password of target account that password that SA4, financial transaction system verification revise and storage meet the password rule, it is consistent with the original code rank that password is revised the back.
4. as the described financial secure transaction system of one of claim 1 to 3, it is characterized in that comprise password replacement step SB after step S2, this step SB comprises:
SB1, account householder provide target account information and account householder identity document by guaranteeing safe transaction channel to financial transaction system and the teller of financial institution;
SB2, the teller of financial institution check account householder identity document, and refusal is handled closing the transaction when people, card information inconsistency; When people, card information unanimity, carry out next step;
SB3, financial transaction system verification account householder identity information when account householder identity information mistake, show the identity information mistake, closing the transaction; When account householder identity information is correct, carry out next step;
SB4, financial transaction system enter password replacement interface;
SB5, account householder select the password rank and carry out password and reset;
SB6, financial transaction system verification replacement password and storage meet the password of other replacement of distinguishing mutually with target account of password rule.
5. as the described financial secure transaction system of one of claim 1 to 3, it is characterized in that comprise safeguard protection parameter modification step SC after step S2, this step SC comprises:
SC1, account householder provide target account information and account householder identity document by guaranteeing safe transaction channel to financial transaction system and the teller of financial institution;
SC2, the teller of financial institution check account householder identity document, and refusal is handled closing the transaction when people, card information inconsistency; When people, card information unanimity, carry out next step;
SC3, financial transaction system verification account householder identity information when account householder identity information mistake, show the identity information mistake, closing the transaction; When account householder identity information is correct, carry out next step;
SC4, account householder obtain financial transaction system and allow to enter modification safeguard protection parameter interface, carry out the safeguard protection parameter modification.
6. financial secure transaction system as claimed in claim 4 is characterized in that, comprises safeguard protection parameter modification step SC after step S2, and this step SC comprises:
SC1, account householder provide target account information and account householder identity document by guaranteeing safe transaction channel to financial transaction system and the teller of financial institution;
SC2, the teller of financial institution check account householder identity document, and refusal is handled closing the transaction when people, card information inconsistency; When people, card information unanimity, carry out next step;
SC3, financial transaction system verification account householder identity information when account householder identity information mistake, show the identity information mistake, closing the transaction; When account householder identity information is correct, carry out next step;
SC4, account householder obtain financial transaction system and allow to enter modification safeguard protection parameter interface, carry out the safeguard protection parameter modification.
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| CN2010102787757A CN101968872A (en) | 2010-09-03 | 2010-09-03 | Financial secure transaction method |
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Application publication date: 20110209 |