CN103077458A - ATM (automated teller machine) secure transaction authentication method based on position - Google Patents
ATM (automated teller machine) secure transaction authentication method based on position Download PDFInfo
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- CN103077458A CN103077458A CN201210380032XA CN201210380032A CN103077458A CN 103077458 A CN103077458 A CN 103077458A CN 201210380032X A CN201210380032X A CN 201210380032XA CN 201210380032 A CN201210380032 A CN 201210380032A CN 103077458 A CN103077458 A CN 103077458A
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Abstract
The invention provides an ATM (automated teller machine) secure transaction authentication method based on position, relating to the technical field of ATM secure transaction authentication. The method comprises the following steps of comparing and validating the position of a mobile terminal bonded by a user bank card and a currently used ATM position through a server, identifying whether information sending interval time and a position error are in an allowable range, thereby identifying whether the user is an illegal user. According to the method provided by the invention, a validated user is determined through validating the user position and relative information in real-time, so as to decide whether to perform financing operations such as withdrawing and transferring, thereby protecting the legitimate interest of a real user.
Description
Technical field:
The present invention relates to ATM secure Transaction Authentication technical field, relate in particular to a kind of location-based ATM secure Transaction Authentication method.
Background technology:
In the use procedure of present ATM; the user inserts bank card in the ATM first; then according to the screen on the ATM input password is proposed; during the input password; must input by the keyboard on the ATM or the PIN PAD on the touch-screen; after password authentification is passed through; the operation of financial business such as can withdrawing deposit and transfer accounts; so the lawless person wants to palm off the validated user business of withdrawing the money; at first must know the bank card information of validated user and the password of bank card; therefore the lawless person is just arranged on ATM or gate control system is installed the information that card reader is obtained bank card; then by copying bank card; and, camera or password register obtain the password of bank card by being installed; so just can palm off validated user steals away money easily; user to this card brings property loss; again because the confidentiality of bank card information is not so good as the confidentiality of password; so will become the most crucial basic of financial transaction security to the confidentiality of password; and bank card is as a kind of material object; therefore can play the effect of accurate identification user identity, prevent that the leakage of information in the bank card from also can protect user's rights and interests not encroached on greatly.
Summary of the invention:
The purpose of this invention is to provide a kind of location-based ATM secure Transaction Authentication method; it verifies to determine whether to be validated user by real-time to customer location and relevant information; determine whether the operation of financial business such as can withdrawing deposit and transfer accounts with this, thereby protect the legitimate rights and interests of actual user.
In order to solve the existing problem of background technology, the present invention by the following technical solutions, it may further comprise the steps:
ATM is obtained the password of bank card information that the user inserts and user's input and is sent it to server and carries out Information Authentication;
After Information Authentication was passed through, user selection also submitted to transaction request to server;
Server receives transaction request and arranges according to the user and judges whether that needs carry out location verification, if do not need then can conclude the business, obtains the positional information order if the portable terminal that needs then to bind sends in bank card information;
Server obtains the positional information of the portable terminal of user's transmission;
The current ATM more specific location information of server lookup;
Server judge between the position of the position of portable terminal and ATM error whether within the acceptable range, if in allowed band, then can conclude the business, regain bank card or withdraw from transaction and remind client or warning according to arranging of client simultaneously if in allowed band, then do not send the Fail Transaction order to ATM.
The positional information that described server obtains the portable terminal of user's transmission can be that server automatic acquisition or prompting user are confirmed to obtain.
Described server reports calculating location information and the time interval of submitting transaction request to after obtaining the positional information of portable terminal, if the time interval is when surpassing the threshold value of setting, then send the Fail Transaction order to ATM and regain bank card or withdraw from transaction, if surpass the judgement of error between the position of the position of then carrying out portable terminal and ATM.
Described location information of mobile terminal lost efficacy after checking.
Described user can carry out the location verification setting to the amount of withdrawing the money, the account transfer amount of transaction request, exceeds the setting amount and then needs to carry out location verification, does not then need to carry out location verification within the setting amount.
The positional information that described server obtains the portable terminal of user's transmission can be initiatively to send before the user submits transaction request to.
The present invention adopts portable terminal by note or other networks the positional information of portable terminal to be sent to server; within the acceptable time; the user uses bank card to conclude the business in ATM; the input password; ATM sends to server with bank card information and password; server is verified bank card information and password; then can carry out next step transaction if the verification passes; need to compare the position of ATM position and portable terminal transmission when confirming transaction whether in acceptable error range; if position range can be accepted; then allow the user to carry out this transaction; if in error range, then directly do not withdraw from transaction; when if portable terminal submits to the time of positional information to surpass the threshold value of setting with the time interval of submitting transaction request to; then also directly withdraw from transaction; the present invention verifies to determine whether to be validated user by real-time mobile terminal locations and relevant information to user's binding; determine whether the operation of financial business such as can withdrawing deposit and transfer accounts with this, thereby protect the legitimate rights and interests of actual user.
Description of drawings:
Fig. 1 is the schematic flow sheet of the inventive method.
Embodiment:
The implementation method of present embodiment may further comprise the steps as shown in Figure 1:
1, the user inserts bank card in the ATM, and ATM reads bank card information and prompting input bank card business dealing password.
2, the user inputs password, and server is verified bank card information and password, if not by checking, then regain bank card or withdraw from transaction, if by checking, then allows user selection submit transaction request to.
3, server judges whether to carry out location verification after receiving transaction request, if do not need then can conclude the business, obtains the positional information order if the portable terminal that needs then to bind sends in bank card information.
4, server is judged its time of reception and is submitted to the time interval of transaction request whether to surpass the threshold value of setting after obtaining location information of mobile terminal, if surpass, then regains bank card or withdraws from transaction, does not then inquire about current ATM more specific location information if surpass.
5, the positional information obtained after the ATM more specific location information with portable terminal of server compares, if two site errors then can be concluded the business in allowed band, regain bank card or withdraw from transaction and remind client or warning according to arranging of client simultaneously if in allowed band, then do not send the Fail Transaction order to ATM.
The purpose of this invention is to provide a kind of location-based ATM secure Transaction Authentication method; it verifies to determine whether to be validated user by real-time to customer location and relevant information; determine whether the operation of financial business such as can withdrawing deposit and transfer accounts with this, thereby protect the legitimate rights and interests of actual user.
Claims (6)
1. location-based ATM secure Transaction Authentication method may further comprise the steps: ATM is obtained the password of bank card information that the user inserts and user's input and is sent it to server and carries out Information Authentication;
After Information Authentication was passed through, user selection also submitted to transaction request to server;
Server receives transaction request and arranges according to the user and judges whether that needs carry out location verification, if do not need then can conclude the business, obtains the positional information order if the portable terminal that needs then to bind sends in bank card information;
Server obtains the positional information of the portable terminal of user's transmission;
The current ATM more specific location information of server lookup;
Server judge between the position of the position of portable terminal and ATM error whether within the acceptable range, if in allowed band, then can conclude the business, regain bank card or withdraw from transaction and remind client or warning according to arranging of client simultaneously if in allowed band, then do not send the Fail Transaction order to ATM.
2. a kind of location-based ATM secure Transaction Authentication method according to claim 1 is characterized in that, the positional information that described server obtains the portable terminal of user's transmission can be that server automatic acquisition or prompting user are confirmed to obtain.
3. a kind of location-based ATM secure Transaction Authentication method according to claim 1, it is characterized in that, described server reports calculating location information and the time interval of submitting transaction request to after obtaining the positional information of portable terminal, if the time interval is when surpassing the threshold value of setting, then send the Fail Transaction order to ATM and regain bank card or withdraw from transaction, if surpass the judgement of error between the position of the position of then carrying out portable terminal and ATM.
4. a kind of location-based ATM secure Transaction Authentication method according to claim 1 is characterized in that described location information of mobile terminal lost efficacy after checking.
5. a kind of location-based ATM secure Transaction Authentication method according to claim 1, it is characterized in that, described user can carry out the location verification setting to the amount of withdrawing the money, the account transfer amount of transaction request, exceed the setting amount and then need to carry out location verification, within the setting amount, then do not need to carry out location verification.
6. a kind of location-based ATM secure Transaction Authentication method according to claim 1 is characterized in that, the positional information that described server obtains the portable terminal of user's transmission can be initiatively to send before the user submits transaction request to.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210380032XA CN103077458A (en) | 2012-09-24 | 2012-09-24 | ATM (automated teller machine) secure transaction authentication method based on position |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210380032XA CN103077458A (en) | 2012-09-24 | 2012-09-24 | ATM (automated teller machine) secure transaction authentication method based on position |
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| CN103077458A true CN103077458A (en) | 2013-05-01 |
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Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103973711A (en) * | 2014-05-28 | 2014-08-06 | 中国农业银行股份有限公司 | Verification method and device |
| CN104811417A (en) * | 2014-01-23 | 2015-07-29 | 宇龙计算机通信科技(深圳)有限公司 | Network banking application authentication method, apparatus and system, and network banking server |
| CN105096111A (en) * | 2015-08-31 | 2015-11-25 | 宇龙计算机通信科技(深圳)有限公司 | No-card account transfer or withdrawal protection method and mobile phone system |
| CN105591741A (en) * | 2014-10-21 | 2016-05-18 | 腾讯科技（深圳）有限公司 | Method and device for identity authentication |
| CN105631659A (en) * | 2015-04-02 | 2016-06-01 | 深圳酷派技术有限公司 | Payment request processing method, payment request processing device and terminal |
| CN105809424A (en) * | 2016-03-07 | 2016-07-27 | 深圳怡化电脑股份有限公司 | Transaction method and transaction system based on self-service transaction device |
| CN105825377A (en) * | 2015-12-22 | 2016-08-03 | 广东亿迅科技有限公司 | Secure payment verification method, payment verification device, server and system |
| CN106127973A (en) * | 2016-03-30 | 2016-11-16 | 中国联合网络通信集团有限公司 | A kind of method for authenticating, device, system in real time |
| CN107181714A (en) * | 2016-03-09 | 2017-09-19 | 阿里巴巴集团控股有限公司 | Verification method and device, the generation method of service code and device based on service code |
| CN108390884A (en) * | 2018-03-01 | 2018-08-10 | 北京得意音通技术有限责任公司 | A kind of identity identifying method and device |
| CN105993036B (en) * | 2016-05-10 | 2018-12-11 | 深圳怡化电脑股份有限公司 | A kind of method for processing business and system of self-aided terminal |
| CN111681010A (en) * | 2020-06-11 | 2020-09-18 | 中国银行股份有限公司 | Transaction verification method and device |
| US11337064B2 (en) * | 2020-08-06 | 2022-05-17 | Verizon Patent And Licensing Inc. | Systems and methods for enhanced authentication techniques using network-implemented location determination |
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| CN101588577A (en) * | 2008-05-19 | 2009-11-25 | 罗邵波 | Safe system and method for bank transaction system |
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2012
- 2012-09-24 CN CN201210380032XA patent/CN103077458A/en active Pending
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101588577A (en) * | 2008-05-19 | 2009-11-25 | 罗邵波 | Safe system and method for bank transaction system |
Cited By (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104811417A (en) * | 2014-01-23 | 2015-07-29 | 宇龙计算机通信科技(深圳)有限公司 | Network banking application authentication method, apparatus and system, and network banking server |
| CN103973711A (en) * | 2014-05-28 | 2014-08-06 | 中国农业银行股份有限公司 | Verification method and device |
| CN105591741A (en) * | 2014-10-21 | 2016-05-18 | 腾讯科技（深圳）有限公司 | Method and device for identity authentication |
| CN105631659A (en) * | 2015-04-02 | 2016-06-01 | 深圳酷派技术有限公司 | Payment request processing method, payment request processing device and terminal |
| CN105096111A (en) * | 2015-08-31 | 2015-11-25 | 宇龙计算机通信科技(深圳)有限公司 | No-card account transfer or withdrawal protection method and mobile phone system |
| WO2017036201A1 (en) * | 2015-08-31 | 2017-03-09 | 宇龙计算机通信科技(深圳)有限公司 | Protection method for cardless account transfer or deposit withdrawal, and mobile phone system |
| CN105825377A (en) * | 2015-12-22 | 2016-08-03 | 广东亿迅科技有限公司 | Secure payment verification method, payment verification device, server and system |
| CN105809424A (en) * | 2016-03-07 | 2016-07-27 | 深圳怡化电脑股份有限公司 | Transaction method and transaction system based on self-service transaction device |
| CN107181714A (en) * | 2016-03-09 | 2017-09-19 | 阿里巴巴集团控股有限公司 | Verification method and device, the generation method of service code and device based on service code |
| CN106127973A (en) * | 2016-03-30 | 2016-11-16 | 中国联合网络通信集团有限公司 | A kind of method for authenticating, device, system in real time |
| CN105993036B (en) * | 2016-05-10 | 2018-12-11 | 深圳怡化电脑股份有限公司 | A kind of method for processing business and system of self-aided terminal |
| CN108390884A (en) * | 2018-03-01 | 2018-08-10 | 北京得意音通技术有限责任公司 | A kind of identity identifying method and device |
| CN111681010A (en) * | 2020-06-11 | 2020-09-18 | 中国银行股份有限公司 | Transaction verification method and device |
| US11337064B2 (en) * | 2020-08-06 | 2022-05-17 | Verizon Patent And Licensing Inc. | Systems and methods for enhanced authentication techniques using network-implemented location determination |
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Application publication date: 20130501 |