CN102110271A - Account unlocking system and method for transacting once only when receiving incoming call from mobile phone of user - Google Patents
Account unlocking system and method for transacting once only when receiving incoming call from mobile phone of user Download PDFInfo
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- CN102110271A CN102110271A CN2009101891623A CN200910189162A CN102110271A CN 102110271 A CN102110271 A CN 102110271A CN 2009101891623 A CN2009101891623 A CN 2009101891623A CN 200910189162 A CN200910189162 A CN 200910189162A CN 102110271 A CN102110271 A CN 102110271A
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Abstract
The invention discloses an account unlocking system and method for transacting once only when receiving an incoming call from a mobile phone of a user, which can be used for protecting the safety of the account fund of users, such as a bank account, a stock account and the like in the financial institution. The system comprises an unlocking center (1), the mobile phone (3) of each user, an account system (4) provided with the account of each user, wherein the unlocking center (1) is in telecommunication connection with the account system (4); and the incoming call of the mobile phone (3) of the user is received via a telephone network (2); when the account of the user is transacted by the account system (4) each time, the account system determines whether the transaction is permitted or not according to whether the mobile phone (3) of the user calls the unlocking center (1) within certain period of time before the transaction; and only when the mobile phone (3) of the user calls the unlocking center (1) within certain period of time before the transaction, the account system (4) is permitted to transact.
Description
[technical field]
The present invention relates to technical field of financial safety, particularly relate to a kind of user mobile phone incoming call just can conclude the business once account's unlocking system and method received.
[background technology]
Along with economic development, the more and more services of using financial institution of people, as deposit, loan, agiotage, investment funds or the like, the financial institution of these services is provided, for convenience of the client, provide much need not the client in person to financial institution's sales counter, also can handle various different business, as Web bank's service, online Stock Trading service, telephone bank's service, the service of phone security or the like, as long as the client has offered the account, just can go transaction by phone or network access, very convenient quick.But because the client is not the personal sales counter transacting business that arrives, be easy to have an opportunity to take advantage of, steal client's account information by all means to the thief, as account number and trading password etc., palm off the client then and conclude the business, the money in the account is stolen, make the client sustain a loss.In addition, the capable website of some white alloys more appears recently, the hacker inveigles bank client to login the capable website of this white alloy by all means, and the login data of being inputed when bank client logined the capable website of white alloy comprises that password steals, the hacker is to steal the login data of returning then, ignorant down at bank client, the personation bank client transfers the money in the account, when the money in bank client is found the account is stolen, often because too late discovery, the hacker forwards money in some what is called " the space registered permanent residence " already, by ATM money is withdrawn, and those " space registereds permanent residence " normally the hacker use the I.D. steal or false I.D. to offer, so generally all the money that is transferred can't be recovered, bank client is caused monetary loss.How ensureing user's Account Security, is that each financial institution has problem to be solved.
[summary of the invention]
Purpose of the present invention is to provide a kind of user mobile phone incoming call just can conclude the business once account's unlocking system and method received, to realize ensureing the application of user in the account's of financial institution fund security.
The object of the present invention is achieved like this, adopt a kind of like this account of financial institution unlocking system, can be used for protecting bank account, users such as stock accounts are in the account funds safety of financial institution, it is characterized in that, described system includes the center of unblanking (1), each user's mobile phone (3), be provided with each user's account's the system of accounts (4), wherein, center (1) and the system of accounts (4) of unblanking be the telecommunication line mutually, and receive the incoming call of user mobile phone (3) by telephone network (2), and, when the system of accounts (4) is concluded the business in each account to the user, in during one period fixed time before can concluding the business according to this, whether user's mobile phone (3) once sent a telegraph to call out is unblanked to determine whether allowing carrying out this transaction in center (1); In having only during one period fixed time of mobile phone (3) before this transaction of user, once sent a telegraph and call out the center (1) of unblanking, the system of accounts (4) just allows to carry out this transaction.
And, adopt a kind of like this account of financial institution security method, can be used for protecting the account funds safety of users such as bank account, stock accounts in financial institution, it is characterized in that, described method comprises that the system of accounts (4) is when each account to the user concludes the business, in during one period fixed time before can concluding the business according to this, whether user's mobile phone (3) once sent a telegraph the calling designated telephone number, determined whether allowing carrying out this transaction; In having only during one period fixed time of mobile phone (3) before this transaction of user, once sent a telegraph the calling designated telephone number, the system of accounts (4) just allows to carry out this transaction.
So just realized purpose of the present invention.
System and method of the present invention, can ensure the fund security of user the account of financial institution, each user uses him before the account of financial institution concludes the business, the user must use its mobile phone (3) to send a telegraph the center of unblanking (1) in advance, just can use this account to conclude the business at the appointed time then.If user's account is usurped by the thief, do not have user's mobile phone (3) just can't send a telegraph the center of unblanking (1) and carry out unlock operation, also just can't use user's account to conclude the business, ensured the Account Security of user like this in financial institution.
[description of drawings]
Fig. 1 is the schematic illustration of first embodiment of account's unlocking system of the present invention;
Fig. 2 is the schematic illustration of second embodiment of account's unlocking system of the present invention;
Fig. 3 and Fig. 4 adopt the schematic illustration of the system of accounts (4) of second embodiment of different embodiments respectively.
Among the figure, the system that identical digitized representation is identical, device, parts device, method step marks with the numeral of circle and the straight line of band arrow.Accompanying drawing is schematically, in order to the principal character of system and method for the present invention to be described.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the schematic illustration of first embodiment of account's unlocking system of the present invention, system shown in Fig. 1 includes the center of unblanking (1), each user's mobile phone (3), be provided with each user's account's the system of accounts (4), wherein, center (1) and the system of accounts (4) of unblanking be the telecommunication line mutually, and receive the incoming call of user mobile phone (3) by telephone network (2), and, when the system of accounts (4) is concluded the business in each account to the user, in during one period fixed time before can concluding the business according to this, whether user's mobile phone (3) once sent a telegraph to call out is unblanked to determine whether allowing carrying out this transaction in center (1); In having only during one period fixed time of mobile phone (3) before this transaction of user, once sent a telegraph and call out the center (1) of unblanking, the system of accounts (4) just allows to carry out this transaction.And, the described center of unblanking (1) is provided with each user's Account Status sign, each Account Status sign bundlees the account of the system of accounts (4) mutually with mobile phone (3) telephone number and this user of this user, each Account Status sign is to be in locking state usually, when the center of unblanking (1) receives the incoming call of user mobile phone (3) by telephone network (2), unblank center (1) just the Account Status sign of this user mobile phone (3) telephone number correspondence be set to one period fixed time of unlocking condition (for example the fixed time is 5 minutes), the fixed time center (1) of unblanking later is provided with this account Status Flag automatically to reply and is locking state; And, the system of accounts (4) is when transaction request that the account who at every turn receives the user carries out, to the state of the Account Status sign of the center of unblanking (1) inquiry this account correspondence, when this account Status Flag was in unlocking condition, the system of accounts (4) just allowed to carry out this transaction.
Aspect being provided with, the center of unblanking (1) will be provided with one to multiple telephone line, and these telephone lines can adopt a single telephone number, and promptly a telephone number has the multiple phone line road.Customer-side, the user will be at the center of unblanking mobile phone (3) telephone number of (1) registration oneself, this mobile phone (3) telephone number and user are bundled the account of the system of accounts (4) of financial institution, later on, the user sends a telegraph calling when unblanking center (1) when using his mobile phone (3), user's mobile phone (3) telephone number and the user account in the system of accounts (4) of financial institution just can be found out from the caller ID of calling out in the center (1) of unblanking, just can carry out unlock operation, allow the user during unblanking, use this account to conclude the business for the user.
In this manual, described telephone network (2) comprises the network that mobile telephone network and/or fixed telephone network are formed, described mobile telephone network comprises the mobile telephone network of GSM, CDMA, 3G and so on, for convenience of description, is called telephone network (2) in this manual without exception.And described mobile phone (3) comprises the mobile phone of various standards or the phone of fixed telephone network, for convenience of description, is called mobile phone (3) in this manual without exception.
Continue to consult Fig. 1, also show the account of financial institution security method of the present invention among Fig. 1, described method comprises that the system of accounts (4) is when each account to the user concludes the business, in during one period fixed time before can concluding the business according to this, whether user's mobile phone (3) once sent a telegraph the calling designated telephone number, determined whether allowing carrying out this transaction; In having only during one period fixed time of mobile phone (3) before this transaction of user, once sent a telegraph the calling designated telephone number, the system of accounts (4) just allows to carry out this transaction.
Continue to consult Fig. 1, the method shown in Fig. 1 also comprises following A group step, is that the user uses it in the step that the account of the system of accounts (4) transacts business, and concrete A group step is as follows:
A1. the user is before using its account in the system of accounts (4) to transact business, use mobile phone (3) to send a telegraph the telephone number of unblanking of calling out the center (1) of unblanking by telephone network (2), the incoming call of user's mobile phone (3) is received at the center (1) of unblanking, find the telephone number and the corresponding Account Status sign of user's mobile phone (3) from caller ID, center (1) this account Status Flag of unblanking then is set to one period fixed time of unlocking condition (for example the fixed time is 5 minutes);
A2. the user uses its account in the system of accounts (4) to transact business during this account Status Flag is in unlocking condition, and the system of accounts (4) is to the state of the Account Status sign of the center of unblanking (1) inquiry this account correspondence;
A3. the center (1) of unblanking is that the status information of unlocking condition sends the system of accounts (4) to the state of this account Status Flag, then this account Status Flag is provided with to reply and is locking state, the user whenever carries out a unlock operation like this, just can once conclude the business at most, can ensure account's safety more;
The system of accounts (4) is received when this status information is unlocking condition, allows this account is concluded the business.
Continue to consult first embodiment of Fig. 1, the further improvement of first embodiment is in the A3 step, unblank after center (1) sends status information to the system of accounts (4), send short messages to user's mobile phone (3) by telephone network (2) in the center (1) of unblanking, notify user's this account to conclude the business for information about, can allow the user in time know the carrying out of this transaction like this.In the present invention, the described system of accounts (4) can be the system of accounts of bank, be provided with user's bank account, comprise savings account, debit card account, the card account that withdraws the money, check account, deposit account, the account of Web bank, the account of telephone bank or the like bank account; The system of accounts (4) can be the system of accounts of securities broker company also, is provided with user's stock jobbery account; The system of accounts (4) also can be the system of accounts of other financial institution; The system of accounts (4) also can be some system of accounts that third party's payment services are provided, and as accounts' such as Alipay, QQ, Paypal the system of accounts, or some relate to the account's of money the system of accounts.For convenience of description, deserve to be called without exception in this manual that to state these system of accounts be the system of accounts (4).In addition, the user can the Account Status sign of (1) bundlees a plurality of accounts of different financial institution mutually with the user simultaneously at the center of unblanking with him, promptly Account Status sign bundlees with a plurality of accounts of user simultaneously, as long as the user uses mobile phone (3) to send a telegraph the center of once unblanking (1), the user just can be during the Account Status sign be in unlocking condition, arbitrarily the account who uses one of them to bundle mutually once concludes the business, and can make things convenient for the user to ensure a plurality of different accounts' safety simultaneously.
Consult Fig. 2, Fig. 2 is the schematic illustration of second embodiment of account's unlocking system of the present invention, system shown in Fig. 2 includes the center of unblanking (1), each user's mobile phone (3), be provided with each user's account's the system of accounts (4), wherein, center (1) and the system of accounts (4) of unblanking be the telecommunication line mutually, and receive the incoming call of user mobile phone (3) by telephone network (2), and, when the system of accounts (4) is concluded the business in each account to the user, in during one period fixed time before can concluding the business according to this, whether user's mobile phone (3) once sent a telegraph to call out is unblanked to determine whether allowing carrying out this transaction in center (1); In having only during one period fixed time of mobile phone (3) before this transaction of user, once sent a telegraph and call out the center (1) of unblanking, the system of accounts (4) just allows to carry out this transaction.And, the described center of unblanking (1) records each user's mobile phone (3) telephone number, each user's mobile phone (3) telephone number bundlees the account of the system of accounts (4) mutually with this user, when the center of unblanking (1) receives the incoming call of user mobile phone (3) by telephone network (2), the center (1) of unblanking is sent to the system of accounts (4) with the account number of this user mobile phone (3) telephone number correspondence, by the system of accounts (4) with the account of this account number unblank one period fixed time (for example the fixed time is 5 minutes), the system of accounts (4) is replied this account and is locked after the fixed time, and, when the user when the account of the system of accounts (4) is in unlocking condition, the system of accounts (4) just allows the account is concluded the business.
Continue to consult Fig. 2, financial institution's account's security method shown in Fig. 2 comprises that the system of accounts (4) is when each account to the user concludes the business, in during one period fixed time before can concluding the business according to this, whether user's mobile phone (3) once sent a telegraph the calling designated telephone number, determined whether allowing carrying out this transaction; In having only during one period fixed time of mobile phone (3) before this transaction of user, once sent a telegraph the calling designated telephone number, the system of accounts (4) just allows to carry out this transaction.
Continue to consult Fig. 2, the method shown in Fig. 2 also comprises following B group step, is that the user uses its step of transacting business the account of the system of accounts (4),, concrete B group step is as follows:
B1. the user uses mobile phone (3) to send a telegraph the telephone number of unblanking of calling out the center (1) of unblanking by telephone network (2) before using its account in the system of accounts (4) to transact business;
B2. the incoming call of user's mobile phone (3) is received at the center (1) of unblanking, find user's the telephone number of mobile phone (3) and user account number the account of the system of accounts (4) from caller ID, the center (1) of unblanking then is sent to the system of accounts (4) with this account number, by the system of accounts (4) with the account of this account number unblank one period fixed time (for example the fixed time is 5 minutes), the fixed time later the system of accounts (4) this account replied lock;
The user uses its account in the system of accounts (4) to transact business during this account is in unlocking condition, the system of accounts (4) check this account be in unlocking condition errorless after, allow this account to conclude the business, this account is replied lock then.
Consult Fig. 3 and Fig. 4, Fig. 3 and Fig. 4 adopt the schematic illustration of the system of accounts (4) of second embodiment of different embodiments respectively, the system of accounts shown in Fig. 3 (4) includes account's computer system (401) and the control terminal of unblanking (402), wherein, account's computer system (401) and the control terminal of unblanking (402) telecommunication connection mutually, be provided with each user's account in account's computer system (401), these accounts are in locking state, can not conclude the business, when the control terminal of unblanking (402) receives the account number that (1) is sent here from the center of unblanking, the control terminal (402) of unblanking will be controlled account's computer system (401) with one period fixed time of this account release, the control terminal (402) of unblanking is then controlled account's computer system (401) this account is replied locking state, during this account was in released state, account's computer system (401) just can be accepted this account is once concluded the business.
Continue to consult Fig. 4, the system of accounts shown in Fig. 4 (4) is that with the main difference part of the system of accounts (4) shown in Fig. 3 the system of accounts shown in Fig. 4 (4) also includes terminating machine (403) and keyboard simulator (404), wherein, terminating machine (403) is exactly the terminal of account's computer system (401), and being exactly keyboard role with terminating machine (403), keyboard simulator (404) is connected with terminating machine (403), keyboard simulator (404) is by the running of the control terminal of unblanking (402) control device, can simulated operation person's operating terminal machine (403), the account in account's computer system (401) is locked, unlocking operation.This keyboard simulator (404) is " the adopting the computer keyboard system and the corresponding input method (Chinese patent application number 200610062530.4) of mechanical hand for emulating human hand input " of having adopted my invention, by this technology the account's computer system (401) and the center (1) of unblanking are isolated, can ensure bank card account computer system (401) not can by the people through the center of unblanking (1) invade destruction.Issuing bank is as long as set up control terminal of unblanking (402) and keyboard simulator (404) in the existing system at its card center like this, and be connected to its terminating machine (403), and the control terminal of unblanking (402) just with the center of unblanking (1) of outside line mutually, just existing system can be modified into the system of accounts (4) among the present invention, and need not the software in the existing system be changed.
Below described the feature of system and method for the present invention in detail, though the present invention is illustrated with the above embodiments, but the present invention is not limited to this, under the situation of the scope of not leaving spirit of the present invention and appended claims, can do multiple change and variation.
User mobile phone incoming call just can conclude the business once account's unlocking system and the method received of the present invention can prevent effectively that the user is stolen the account of financial institution, ensures the safety of fund among the account.
Claims (7)
1. the account of financial institution unlocking system, can be used for protecting bank account, users such as stock accounts are in the account funds safety of financial institution, it is characterized in that, described system includes the center of unblanking (1), each user's mobile phone (3), be provided with each user's account's the system of accounts (4), wherein, center (1) and the system of accounts (4) of unblanking be the telecommunication line mutually, and receive the incoming call of user mobile phone (3) by telephone network (2), and, when the system of accounts (4) is concluded the business in each account to the user, in during one period fixed time before can concluding the business according to this, whether user's mobile phone (3) once sent a telegraph to call out is unblanked to determine whether allowing carrying out this transaction in center (1); In having only during one period fixed time of mobile phone (3) before this transaction of user, once sent a telegraph and call out the center (1) of unblanking, the system of accounts (4) just allows to carry out this transaction.
2. the account of financial institution unlocking system as claimed in claim 1, it is characterized in that, the described center of unblanking (1) is provided with each user's Account Status sign, each Account Status sign bundlees the account of the system of accounts (4) mutually with mobile phone (3) telephone number and this user of this user, each Account Status sign is to be in locking state usually, when the center of unblanking (1) receives the incoming call of user mobile phone (3) by telephone network (2), unblank center (1) just the Account Status sign of this user mobile phone (3) telephone number correspondence be set to one period fixed time of unlocking condition, the fixed time center (1) of unblanking later is provided with this account Status Flag automatically to reply and is locking state; And, the system of accounts (4) is when transaction request that the account who at every turn receives the user carries out, to the state of the Account Status sign of the center of unblanking (1) inquiry this account correspondence, when this account Status Flag was in unlocking condition, the system of accounts (4) just allowed to carry out this transaction.
3. the account of financial institution unlocking system as claimed in claim 1, it is characterized in that, the described center of unblanking (1) records each user's mobile phone (3) telephone number, each user's mobile phone (3) telephone number bundlees the account of the system of accounts (4) mutually with this user, when the center of unblanking (1) receives the incoming call of user mobile phone (3) by telephone network (2), the center (1) of unblanking is sent to the system of accounts (4) with the account number of this user mobile phone (3) telephone number correspondence, account with this account number unblanks one period fixed time by the system of accounts (4), the system of accounts (4) is replied this account and is locked after the fixed time, and, when the user when the account of the system of accounts (4) is in unlocking condition, the system of accounts (4) just allows the account is concluded the business.
4. the account of financial institution security method, can be used for protecting the account funds safety of users such as bank account, stock accounts in financial institution, it is characterized in that, described method comprises that the system of accounts (4) is when each account to the user concludes the business, in during one period fixed time before can concluding the business according to this, whether user's mobile phone (3) once sent a telegraph the calling designated telephone number, determined whether allowing carrying out this transaction; In having only during one period fixed time of mobile phone (3) before this transaction of user, once sent a telegraph the calling designated telephone number, the system of accounts (4) just allows to carry out this transaction.
5. the account of financial institution security method as claimed in claim 4 is characterized in that, described method also comprises following A group step, is that the user uses it in the step that the account of the system of accounts (4) transacts business, and concrete A group step is as follows:
A1. the user is before using its account in the system of accounts (4) to transact business, use mobile phone (3) to send a telegraph the telephone number of unblanking of calling out the center (1) of unblanking by telephone network (2), the incoming call of user's mobile phone (3) is received at the center (1) of unblanking, find the telephone number and the corresponding Account Status sign of user's mobile phone (3) from caller ID, center (1) this account Status Flag of unblanking then is set to one period fixed time of unlocking condition;
A2. the user uses its account in the system of accounts (4) to transact business during this account Status Flag is in unlocking condition, and the system of accounts (4) is to the state of the Account Status sign of the center of unblanking (1) inquiry this account correspondence;
A3. the center (1) of unblanking is that the status information of unlocking condition sends the system of accounts (4) to the state of this account Status Flag, this account Status Flag is provided with to reply then to be locking state; The system of accounts (4) is received when this status information is unlocking condition, allows this account is concluded the business.
6. the account of financial institution security method as claimed in claim 5, it is characterized in that, in described A3 step, after comprising that also the center of unblanking (1) sends status information to the system of accounts (4), sending short messages to user's mobile phone (3) by telephone network (2) in the center (1) of unblanking, notifies user's this account to conclude the business for information about.
7. the account of financial institution security method as claimed in claim 4 is characterized in that, described method also comprises following B group step, is that the user uses its step of transacting business the account of the system of accounts (4),, concrete B group step is as follows:
B1. the user uses mobile phone (3) to send a telegraph the telephone number of unblanking of calling out the center (1) of unblanking by telephone network (2) before using its account in the system of accounts (4) to transact business;
B2. the incoming call of user's mobile phone (3) is received at the center (1) of unblanking, find user's the telephone number of mobile phone (3) and user account number the account of the system of accounts (4) from caller ID, the center (1) of unblanking then is sent to the system of accounts (4) with this account number, account with this account number unblanks one period fixed time by the system of accounts (4), and the system of accounts (4) is replied this account and locked after the fixed time;
The user uses its account in the system of accounts (4) to transact business during this account is in unlocking condition, the system of accounts (4) check this account be in unlocking condition errorless after, allow this account to conclude the business, this account is replied lock then.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101891623A CN102110271A (en) | 2009-12-24 | 2009-12-24 | Account unlocking system and method for transacting once only when receiving incoming call from mobile phone of user |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101891623A CN102110271A (en) | 2009-12-24 | 2009-12-24 | Account unlocking system and method for transacting once only when receiving incoming call from mobile phone of user |
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| CN102110271A true CN102110271A (en) | 2011-06-29 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2009101891623A Pending CN102110271A (en) | 2009-12-24 | 2009-12-24 | Account unlocking system and method for transacting once only when receiving incoming call from mobile phone of user |
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Cited By (1)
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| CN103297388A (en) * | 2012-02-24 | 2013-09-11 | 黄金富 | Method and system for cardholder actively using mobile phone to authenticate identity before using credit card and debit card |
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| WO2005079050A1 (en) * | 2004-01-20 | 2005-08-25 | Kamfu Wong | A-computer accounting system with a lock using in a bank and the corresponding method used for secure payment by phone |
| CN101043561A (en) * | 2007-04-25 | 2007-09-26 | 雷体文 | Bank accounting system and method for performing bankroll safe paying using telephone lock |
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- 2009-12-24 CN CN2009101891623A patent/CN102110271A/en active Pending
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2005079050A1 (en) * | 2004-01-20 | 2005-08-25 | Kamfu Wong | A-computer accounting system with a lock using in a bank and the corresponding method used for secure payment by phone |
| CN101043561A (en) * | 2007-04-25 | 2007-09-26 | 雷体文 | Bank accounting system and method for performing bankroll safe paying using telephone lock |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103297388A (en) * | 2012-02-24 | 2013-09-11 | 黄金富 | Method and system for cardholder actively using mobile phone to authenticate identity before using credit card and debit card |
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