CN103679965A

CN103679965A - Bank card system with early warning function

Info

Publication number: CN103679965A
Application number: CN201310735309.0A
Authority: CN
Inventors: 汪风珍
Original assignee: 汪风珍
Current assignee: Chongqing Zhongyou Heavy Industry Co Ltd
Priority date: 2013-12-28
Filing date: 2013-12-28
Publication date: 2014-03-26
Anticipated expiration: 2033-12-28
Also published as: CN103679965B

Abstract

The invention discloses a bank card system with an early warning function and relates to a background early warning system. According to the system, a card holder requests for 110 action when in danger, real bank card information of the card holder cannot be known by others by interfering other judgment, and less fund losses or personal injuries can be guaranteed for the card holder, so that a certain suppression role is played in bank card crimes for gains, and an emergency early alarming function can complete police calling without the awareness of others with no need for the card holder to remember any passwords.

Description

Bank card system with warning function

Technical field

The invention belongs to the software and hardware technology of bank card system.

Background technology

Warning system is many, can be divided into substantially automatic alarm and manually report to the police, and automatic alarm is all that critical parameters are set, will trigger alarm when surpassing critical parameters, from mutual change of quality and quantity, be exactly that quantitative change can not reported to the police, the warning of only having qualitative change to cause, and manually report to the police, be artificial judgement, and the equipment of reporting to the police is also varied, electronic signal, pneumatic, hydraulic pressure, three phase change etc., this technology introduction be how to cause the method for warning but not the technology of warning device.

Summary of the invention

goal of the invention:when holder meets with danger by report to the police request public security organ's responding or give up little wealth and exempt from terrible disaster and allow the other side can take a part of money away in the dark.

technical scheme:the judgement of interfering with an opponent of the present invention, whether the other side cannot judge the real bank card information of holder and report to the police, when running into emergency condition or press password for an answer, holder can in the situation that the other side cannot judge, connect the backstage warning system of public security 110, it is realized by modes of warning, entering modes of warning is to realize by early warning password or telephone cipher, holder can cancel the critical warning function of telephone cipher verification setting telephone cipher, can select wherein a kind of modes of warning that enters during transaction.

beneficial effect:only have holder to know real bank card information, comprise encrypted message and deposit information, actually other people cannot judge that or arm's length transaction concludes the business extremely, this has a kind of prevention effect to the bank card crime that is object for scheme wealth, also can effectively avoid holder to meet with heavy economic losses and personal injury.

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, and it is only a special case implementing this patent.

Manually reporting to the police is exactly the warning that directly utilizes automatic teller machine or mobile phone to carry out, be that this alarm operation is not seen extremely at automatic teller machine front page layout, but can judge operation by system is illegal operation or the operation of running counter to holder's wish, and a kind of program design of public security warning system is connected on backstage.

Modes of warning, the front page layout of this pattern and normal mode are the same, under this pattern, can dealing money be just predefined by holder, and the deposit number of this setting had better not be lower than 500 yuan, and best for example 534.23 yuan of Dai Liangwei mantissa, do not allow the bank card of overdraw, when reality is deposited number lower than setting number, what modes of warning showed is actual deposit number, if holder does not set this amount of money, modes of warning shows that holder deposits number really, under this pattern, foreground allows operator to seem legal transaction, near local police station's 110 warning systems can be stealthily connected on system backstage, modes of warning only has by bank counter and just can unlock, recovering normal uses, if holder abuses modes of warning, may suffer corresponding punishment, modes of warning can be suitable for the bank card of any principle, and modes of warning enters by early warning password or telephone cipher.

By early warning cipher control value, (this value is provided by the read-write data of bank card input password, its effective value is determined by bank card password figure place, present bank card password figure place is 6, so this value is 1 to 6) that bit-errors of appointment and other all correct passwords be exactly early warning password.

Embodiment mono-: in md5 encryption, can be by cryptographic binding secondary encryption data, these secondary encryption data are provided by bank card, like this, just can obtain respectively secondary encryption data+5 password (this five-digit number is according to being exactly the five-digit number certificate of rejecting after early warning password) and secondary encryption data+6 password, they are utilized to md5 encryption, according to the uniqueness principle of MD5, two MD5 data are can be not identical, here be designated as respectively A password, B password, can enter by B password, it is exactly normal mode, can not check by B password, but can check by A password, enter exactly abnormal patterns, the two is unpassable all, it is exactly password mistake, secondary encryption data are options.

Embodiment bis-: if other cipher modes also can adopt respectively 5 bit encryptions and 6 bit encryptions, obtain two passwords, here be designated as respectively A password, B password, can enter by B password, is exactly normal mode, can not check by B password, but can check by A password, enter exactly abnormal patterns, the two is unpassable all, be exactly password mistake, during encryption, can introduce secondary encryption data equally; Early warning password can be suitable for bank card or the financial transaction based on any principle.

Telephone cipher is that special service number adds 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), tail number is for safety, should encrypt, 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, do not need to delete the phone number of binding, as long as once bound short message notification service or telephone cipher service, system can the critical warning function of Lookup protocol or holder be unwilling to arrange telephone cipher checking, critical warning function can be set separately, after setting this function, when holder inputs any bad password, the bank card business dealing page is display password mistake no longer, but require to call, during namely with binding mobile phone, Password Input correctly but not dial checking cell-phone number display page the same, like this, just can dial special service number adds a random tail number and enters modes of warning, when holder's password is correct, directly enter transaction page and do not need telephone cipher checking, after holder sets telephone cipher, the critical warning function of telephone cipher is self-executing, holder cancels telephone cipher checking, the critical warning function of telephone cipher can not cancelled thereupon, holder need to cancel, need Stated otherwise, 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, and such design rule is followed in special service number and tail number encryption, because tail number only has one to two, so security is poor, therefore should in phonecard, set an auxiliary data and tail number binding, the software of recycling MD5 and so on is encrypted, what transmit is enciphered data, but special service number should send with clear data, facilitate telecommunication server identification.

Utilize early warning password and telephone cipher respectively to have relative merits, telephone cipher is owing to wanting Advise By Wire, the safety coefficient that has relatively improved transaction, when holder dials, as long as deliberately avoid other people, the chance that may be stolen a glance at by others is very little, but use telephone cipher owing to all will dial at every turn, therefore more loaded down with trivial details, utilize telephone cipher to carry out early warning safer, early warning password is used seldom, may easily forget again, but telephone cipher system Construction needs the time.

Claims

1. a bank card system that possesses warning function, is characterized in that:

A: the judgement of interfering with an opponent of the present invention, whether the other side cannot judge the real bank card information of holder and report to the police, and when holder runs into emergency condition or presses password for an answer, can in the situation that the other side cannot judge, connect the backstage warning system of public security 110;

B: it is realized by modes of warning, entering modes of warning is to realize by early warning password or telephone cipher;

C: holder can cancel the critical warning function of telephone cipher verification setting telephone cipher, can select wherein a kind of modes of warning that enters during transaction.

2. according to modes of warning claimed in claim 1, it is characterized in that:

A: the front page layout of modes of warning and normal mode are the same, and it can be preset by holder or give tacit consent to by dealing money;

B: modes of warning foreground allows operator to seem legal transaction, and near local police station's 110 warning systems can be stealthily connected on system backstage;

C: modes of warning only has by bank counter and just can unlock, recovers normally to use;

D: modes of warning enters by early warning password or telephone cipher, modes of warning can be suitable for the bank card of any principle.

3. according to early warning password claimed in claim 1, it is characterized in that:

A: input password by that bit-errors of early warning cipher control value appointment other all correct be exactly early warning password;

During B:MD5 encrypts, can be by cryptographic binding secondary encryption data, these secondary encryption data are provided by bank card, like this, obtain secondary encryption data+5 password and secondary encryption data+6 password (this five-digit number according to be exactly reject five-digit number after that of early warning cipher control value appointment according to), they are utilized to md5 encryption, according to the uniqueness principle of MD5, two MD5 data are can be not identical, are designated as respectively A password here, B password, secondary encryption data are options;

C: can be by B password authentification, be exactly normal mode, only can be by A password authentification, entering exactly modes of warning, the two is unpassable all, is exactly password mistake;

D: principle that can be based on similar while utilizing other modes to encrypt, early warning password can be suitable for the bank card based on any principle.

4. according to telephone cipher claimed in claim 1, it is characterized in that:

A: telephone cipher is that special service number adds tail number, it is that (base is inconvenient by bank card binding telephone number, General Requirements binding phone number), a fixing special service number is set in the whole nation, this special service number is exactly similar 119 such, and then holder arranges certain tail number voluntarily, and general recommendations arranges 1 to 2 tail number, tail number, for safety, should be encrypted;

B: special service number must add that tail number just can dial, and can successfully dial but special service number adds any effective tail number;

C: before the each transaction of holder, must dial this requests for telephone numbers transaction, as long as connect, mobile telephone company receives after communication services request, the number of dialing and time is sent to the private server of company of Unionpay, then be sent to 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;

D: bank card business dealing by password authentification request after, just can start telephone cipher checking, 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, and in order to prevent maliciously dialing, this service should be charged;

E: during programming, handset program is set and dialed, storage, this class number of transaction record etc. can not have tail number record in mobile phone, must dial by button or hand-written number, in the record of mobile telephone company, program design can only show that special service number can not show tail number, and tail number sends by backstage;

F:: special service number and tail number are encrypted and followed such design rule, because tail number only has one to two, so security is poor, therefore should in phonecard, set an auxiliary data and tail number binding, the software of recycling MD5 and so on is encrypted, transmission be enciphered data, but special service number should send with clear data, the identification of convenient service device, auxiliary data is option;

G; Holder can arrange the critical warning function of telephone cipher, be that holder can only bind phone number and do not set telephone cipher, or holder also can retain critical warning function with corresponding phone number after cancelling short message notification service or telephone cipher service.

5. according to claim 1 and the critical warning function that telephone cipher is set claimed in claim 4, it is characterized in that:

A: input password is when correct, directly enters transaction page and does not need telephone cipher checking;

B: input any bad password, the bank card business dealing page is display password mistake no longer, but require to call, while requiring telephone cipher checking during namely with binding mobile phone, Password Input correctly but not dial checking cell-phone number display page the same, like this, just can dial special service number with setting cell-phone number adds a random tail number and enters modes of warning;

C: after holder sets telephone cipher, the critical warning function of telephone cipher is self-executing, holder cancels telephone cipher checking, and the critical warning function of telephone cipher can not cancelled thereupon, and holder need to cancel, and needs Stated otherwise.