CN103632267A

CN103632267A - Password-free payment system

Info

Publication number: CN103632267A
Application number: CN201310585606.1A
Authority: CN
Inventors: 汪风珍
Original assignee: Individual
Current assignee: Individual
Priority date: 2013-05-01
Filing date: 2013-05-01
Publication date: 2014-03-12

Abstract

The invention discloses a password-free payment system, which is a bank card operational approach for transaction without inputting a password. Some encryption means of telecommunication transmission are adopted, but a cardholder does not input the password. Middle aged and elderly people and people with mild intellectual disabilities are facilitated to use cards, and card usage in daily small transactions is also facilitated. The password-free payment system adopts a method of automatic deduction of balance of the bank card instead of recharging the card, which is popular among people.

Description

Without password payment system

One: affiliated field: the software and hardware technology that the invention belongs to bank card.

Two: background technology: at present, bank card is divided into has password Zhi Fuyu to pay two parts without password, but, without password, pay just a kind of caving-in bash of bank, great majority are the elderly or slight amentia personage, operation automatic teller machine is had any problem, have to manually be paid by sales counter staff, this payment generally only limits to local old man, generally also needs to check I.D., takes time and effort, application is had a greatly reduced quality, industrial and commercial bank has released quick pass function recently in IC-card, dodges and pays and need to supplement with money, and be only limited in 1000 yuan.

Three: goal of the invention: holder carries out the transaction that number is less, or input password stolen a glance at the transaction that do not input password of public place that possibility is larger, reduce Password Input number of times and reduce the probability that password is revealed.

Four: technical scheme: without password, pay minute three steps, 1: utilize the controlled bank card of different card control function setting to allow the dealing money that pays and set the certain hour cycle without password, the general Yi Wei unit of certain hour cycle here, holder sets moon total transaction amount, controlled by this; 2: utilize the telephone cipher in warning function, before transaction, need to preengage, holder cancels this step, after bank card is lost, money that others can take a morsel; 3: it does not have to adopt the method for supplementing with money but automatically reducing in bank card remaining sum.

Five: beneficial effect: this design can reduce the probability that password is revealed, convenient the elderly or the slight amentia personage who not too understands that automatic teller machine operates uses bank card, or our more daily penny antes, for example buy vegetables in supermarket, than to carry cash convenient, keep the change, some country bank site transaction stand-by period are long, and bank clerk workload also can correspondingly alleviate to some extent.

Six: embodiment: the embodiment that this instructions is discussed has been introduced the general process of implementing this patent, but implement this patent, might not need to follow completely process described herein, it is only a special case implementing this patent,

Holder has several bank cards or father and mother or close relative's etc. bank card, just can select a bank card wherein to do to control bank card or children's bank card to do control bank card, enter different card control without password payment options, set parameter, these parameters comprise the Day Trading upper limit or month transaction upper limit, whether cancel telephone cipher checking or cancel warning function etc., the first step, set different card control, 1.: authorization control: first controlled card is entered to the limitation function page, set and allow different card control, when two bank card card masters' ID (identity number) card No. is inconsistent, the card number that needs input control bank card, authorize this bank card to be possessed of control power,

2.: control: insert the bank card of controlling, enter after the limitation function page, select to control my other bank cards, eject other bank card numbers through the different card control of mandate permission of holder, search the bank card sequence number that will control, list entries number, for safety, in card number, there are several digital hidings to show (general the 5th to the 8th of the inverse of hiding, suppose that a Heng Tong card card number is 6223221322640072, just be shown as 62232213****0072, the bank card of with no authorized there will not be in list, two kinds of controls all need authorization control just passable, once but control successfully, only have the bank card of control to select to abandon controlling or control bank card and report the loss, control procedure just can stop, even whether whether can set controlled bank card supports pay and pay numerical ceiling automatic money output etc. without password without password, for some old holders or amentia personage, can select to cancel telephone cipher checking or cancel warning function, after cancelling warning function, only have telephone cipher correctly just can conclude the business, without password, pay and only limit penny ante, so transaction upper limit system has a unified upper limit, the upper limit that holder sets can only be in this scope, also can synchronously carry out the setting of other different card control options, reservation is controlled the control of function or is cancelled and can utilize boolean's data to control, but, control the remaining sum that bank card can not be inquired about controlled bank card, can not revise the password of controlled bank card, select to cancel after telephone cipher checking, holder loses bank card and has loss, generally do not advise doing like this,

Second step: telephone cipher is special service number tail number, it is that bank card binding telephone number (is seen to fixed line is also fine technically, but base is inconvenient, require binding phone number), a fixing special service number is set in the whole nation, this special service number is exactly similar 119 such, then holder arranges certain tail number voluntarily, general recommendations arranges 1 to 2 tail number, and (setting one or two can be selected according to the memory capability of oneself by holder, set two safer), this special service number must add that tail number just can successfully dial, but special service number adds any effective tail number can successfully be dialed, before the each transaction of holder, must dial this requests for telephone numbers transaction, as long as connect, telecommunications company receives after communication services request, the number of dialing and time are sent to the private server of company of Unionpay, be sent to again bank card paying system, when special service number tail number that the special service number tail number that holder dials and server are recorded is consistent, according to arm's length transaction, carry out, when inconsistent, transaction is carried out according to modes of warning, after only having bank card business dealing by password authentification request, just can start telephone cipher checking, like this, even if holder loses or grabbed mobile phone, other people maliciously dial this special service number, also only can waste telephone charge, if holder does not go up machine transaction (for example 10 minutes) through the regular hour, record is eliminated, request is cancelled, holder must dial again, in order to prevent malice, dial, this service should be charged, holder cancels telephone cipher service, because customization and the cancellation of serving are to utilize boolean's data to control, as long as it is still effective that the bank card binding SMS (short message service) of setting service or telephone cipher are served its phone number, also can utilize the phone number of binding to dial temporarily, when the tail number set as the tail number that occurs dialing and holder is inconsistent, just can enter modes of warning, while just programming, handset program is set this class number of dialing can not tail number record in mobile phone, in the record of telecommunications company, program design can only show that special service number can not show tail number, tail number sends by backstage, in addition, the corresponding function such as the telephone directory of mobile phone can not be stored this class number, must dial by button or hand-written number, this modes of warning is the improvement to the service of existing bank card business dealing binding short message notification, it has become the notice afterwards of short message into the license before transaction, utilize the safety technique of radiotelephone communication to control financial transaction process.

The 3rd step, after Transaction Success, system is reduced automatically from bank card remaining sum, does not need to supplement with money.

Claims

1. a bank card method of payment that does not need password to conclude the business, is characterized in that:

1: utilize the controlled bank card of different card control function setting without password payment function;

2: set the telephone cipher in warning function, this step can utilize the 1st step to cancel or cancel warning function;

3: it does not have employing to supplement with money but adopt the method for automatically reducing in bank card remaining sum.

According to the different card control function described in the 1st of claim 1 without password payment function, it is characterized in that:

Holder has several bank cards or father and mother or close relative's etc. bank card, just can select a bank card wherein to do to control bank card or children's bank card to do control bank card, enter different card control without password payment options, set parameter, these parameters comprise the Day Trading upper limit or month transaction upper limit etc., specifically 1.: authorization control: first controlled card is entered to the limitation function page, set and allow different card control, when two bank card card masters' ID (identity number) card No. is inconsistent, the card number that needs input control bank card, authorize this card number bank card to be possessed of control power,

2.: control: insert the bank card of controlling, enter after the limitation function page, select to control my other bank cards, eject other bank card numbers through the different card control of mandate permission of holder, search the bank card sequence number that will control, list entries number, for safety, in card number, there are several digital hidings to show, the bank card of with no authorized there will not be in list, two kinds of controls all need authorization control just passable, once but control successfully, only have the bank card of control to select to abandon controlling or control bank card and report the loss, control procedure just can stop, whether can set controlled bank card supports pay and pay numerical ceiling without password without password, for some old holders or amentia personage, can select to cancel telephone cipher checking or cancel warning function, after cancelling warning function, only have telephone cipher correctly just can conclude the business, without password, pay and only limit penny ante, so transaction upper limit system has a unified upper limit, the upper limit that holder sets can only be in this scope, also can synchronously carry out the setting of other different card control options, reservation is controlled the control of function or is cancelled and can utilize boolean's data to control, but, control the remaining sum that bank card can not be inquired about controlled bank card, can not revise the password of controlled bank card, select to cancel after telephone cipher checking, holder loses bank card and has loss, generally do not advise doing like this.

3. according to the telephone cipher of the warning function described in the 2nd of claim 1, it is characterized in that: it is that bank card binding telephone number (is seen to fixed line is also fine technically, but base is inconvenient, require binding phone number), a fixing special service number is set in the whole nation, this special service number is exactly similar 119 such, then holder arranges certain tail number voluntarily, general recommendations arranges 1 to 2 tail number, and (setting one or two can be selected according to the memory capability of oneself by holder, set two safer), this special service number must add that tail number just can successfully dial, but special service number adds any effective tail number can successfully be dialed, before the each transaction of holder, must dial this requests for telephone numbers transaction, as long as connect, telecommunications company receives after communication services request, the number of dialing and time are sent to the private server of company of Unionpay, be sent to again bank card paying system, when special service number tail number that the special service number tail number that holder dials and server are recorded is consistent, according to arm's length transaction, carry out, when inconsistent, transaction is carried out according to modes of warning, if holder does not go up machine transaction (for example 10 minutes) through the regular hour, record is eliminated, request is cancelled, holder must dial again, while just programming, handset program is set this class number of dialing can not tail number record in mobile phone, in the record of telecommunications company, program design can only show that special service number can not show tail number, tail number sends by backstage, in addition, the corresponding function such as the telephone directory of mobile phone can not be stored this class number, must dial by button or hand-written number.