CN103745538A - Password protection method and system of financial account - Google Patents

Password protection method and system of financial account Download PDF

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Publication number
CN103745538A
CN103745538A CN201310750873.XA CN201310750873A CN103745538A CN 103745538 A CN103745538 A CN 103745538A CN 201310750873 A CN201310750873 A CN 201310750873A CN 103745538 A CN103745538 A CN 103745538A
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account
pattern
password
avail
finance
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CN103745538B (en
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魏栋
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Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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Abstract

The invention provides a password protection method of a financial account. The password protection method comprises the steps of setting a first password and at least a second password of the financial account, wherein the first password is corresponding to the first account mode of the financial account and the second password is corresponding to the second account mode of the financial account; verifying the current password which is contained in an account login request when the account login request of the financial account is received; entering into the first account mode if the current password is the first password; entering into the second account mode which is corresponding to the second password if the current password is the second password. Accordingly, the invention also provides a password protection system of the financial account. Accordingly, a user can enter into the different account modes by using the different passwords flexibly according to the actual condition and accordingly the password protection and use of the financial account can be flexible and diversified and the personal safety and property safety of the user can be ensured in the crisis situation simultaneously.

Description

The cipher code protection method of finance account and system
Technical field
The present invention relates to cryptoguard technical field, relate in particular to a kind of cipher code protection method and system of finance account.
Background technology
User is when finance accounts such as using bank card account, network payment account is withdrawn the money or pays, and system need to be carried out cryptographic check, or the verification mode such as the short-message verification code of the communication terminal by user detects active user's legitimacy.If but when user's life is on the hazard, when being forced to criminal and providing password to withdraw the money or transfer accounts, the now cryptographic check of finance account just becomes without in all senses.
In summary, obviously there is inconvenience and defect in prior art in actual use, so be necessary to be improved.
Summary of the invention
For above-mentioned defect; the object of the present invention is to provide a kind of cipher code protection method and system of finance account; it can use different passwords to enter different account patterns according to actual conditions flexibly; make cryptoguard and the use of finance account more flexible and diversified, and can in crisis situation, guarantee user's personal safety and property safety simultaneously.
The invention provides a kind of cipher code protection method of finance account, comprise that step has:
First password and second password of finance account are set, the first account pattern of the corresponding described finance account of described first password, the second account pattern of the corresponding described finance account of described the second password;
When receive described finance account account logging request time, verify the current password comprising in described account logging request;
If described current password is described first password, enter described the first account pattern;
If described current password is described the second password, enter described the second account pattern that described the second password is corresponding.
According to cipher code protection method of the present invention, also comprise:
When entering after the described second account pattern of described finance account, trigger alarm.
According to cipher code protection method of the present invention, described the second account pattern is to there being predetermined avail;
Described when entering after the described second account pattern of finance account, the step of trigger alarm also comprises:
When entering after the described second account pattern of described finance account, judge whether described avail is drawn;
If the described avail of described the second account pattern is drawn, trigger alarm.
According to cipher code protection method of the present invention, described when entering after the described second account pattern of described finance account, the step of trigger alarm comprises:
When entering after the described second account pattern of described finance account, judge that in predetermined time threshold value, whether receiving predetermined warning eliminates operation;
If receive described warning in described time threshold, eliminate operation, trigger alarm not, otherwise trigger alarm; And/or
After the step of described trigger alarm, also comprise:
Corresponding accounts information and/or the end message of the described finance account of monitoring in real time.
According to cipher code protection method of the present invention, described the first account pattern is to there being the first avail, and described the second account pattern is to there being the second avail;
Described the first account pattern and described the second account pattern real accounts pattern independently each other; Or
Described the first account pattern is real accounts pattern, described the second account is for fabricating account pattern, described the second avail under described the second account pattern association and described the first account pattern of domination, and described the second avail is less than described the first avail.
The present invention also provides a kind of cipher protection system of finance account, includes:
Account arranges module, for first password and second password of finance account are set, and the first account pattern of the corresponding described finance account of described first password, the second account pattern of the corresponding described finance account of described the second password;
Password authentication module, for when receive described finance account account logging request time, verify the current password comprising in described account logging request;
Mode control module, if be described first password for described current password, enters described the first account pattern; If described current password is described the second password, enter described the second account pattern that described the second password is corresponding.
According to cipher protection system of the present invention, also comprise:
Alarm module, for when entering after the described second account pattern of described finance account, trigger alarm.
According to cipher protection system of the present invention, described the second account pattern is to there being predetermined avail;
Described alarm module further comprises:
Draw judgement submodule, for when entering after the described second account pattern of described finance account, judge whether described avail is drawn;
The first warning submodule, if drawn trigger alarm for the described avail of described the second account pattern.
According to cipher protection system of the present invention, described alarm module further comprises:
Eliminate and judge submodule, for when entering after the described second account pattern of described finance account, judge that in predetermined time threshold value, whether receiving predetermined warning elimination operates;
The second warning submodule, if eliminate operation for receive described warning in described time threshold, trigger alarm not, otherwise trigger alarm; And/or
Described cipher protection system also comprises:
Real-time monitoring module, for after trigger alarm, monitors accounts information and/or end message that described finance account is corresponding in real time.
According to cipher protection system of the present invention, described the first account pattern is to there being the first avail, and described the second account pattern is to there being the second avail;
Described the first account pattern and described the second account pattern real accounts pattern independently each other; Or
Described the first account pattern is real accounts pattern, described the second account is for fabricating account pattern, described the second avail under described the second account pattern association and described the first account pattern of domination, and described the second avail is less than described the first avail.
The present invention is that finance account arranges first password and the second password, respectively corresponding the first account pattern and the second account pattern; When user inputs current password request login finance account, if being first password, current password enters the first account pattern; If current password is the second password, enter the second account pattern, described the second account pattern can only show a small amount of avail.Whereby, user of the present invention can use different passwords to enter different account patterns according to actual conditions flexibly, makes the cryptoguard of finance account and uses more flexible and diversified.Especially, when user runs into personal safety threat, can provide the second password to enter the second account pattern to criminal, thereby can reach paralysis criminal's object, guarantee user's personal safety and property safety simultaneously.Preferably, the present invention is entering after the second account pattern of finance account, and trigger alarm automatically, control effectively and solve a case so that relevant departments can obtain crime information in time.The present invention has higher generalization and practicality.
Accompanying drawing explanation
Fig. 1 is the structural representation of the cipher protection system of finance account of the present invention;
Fig. 2 is the structural representation of the cipher protection system of the preferred finance account of the present invention;
Fig. 3 is the process flow diagram of the cipher code protection method of finance account of the present invention;
Fig. 4 is the process flow diagram of the cipher code protection method of finance account in first embodiment of the invention;
Fig. 5 is the process flow diagram of the cipher code protection method of finance account in second embodiment of the invention.
Embodiment
In order to make object of the present invention, technical scheme and advantage clearer, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
Fig. 1 is the structural representation of the cipher protection system of finance account of the present invention, and described cipher protection system 100 comprises that account arranges module 10, password authentication module 20 and mode control module 30, wherein:
Described account arranges module 10, for first password and second password of finance account are set, and the first account pattern of the corresponding finance account of first password; The second account pattern of the corresponding finance account of the second password.Described finance account comprises bank card account, network payment account, securities account etc.Described first password, the second password, the first account pattern and the second account pattern can be arranged or User Defined arranges by system default.
Described password authentication module 20, for when receive finance account account logging request time, the current password comprising in checking account logging request.User or other people can be on cash dispenser, computer relevant login interface, by input account name and current password login finance account, this current password may be first password, the second password or bad password.
Described mode control module 30, if be first password for current password, enters the first account pattern; If current password is the second password, enter the second account pattern that the second password is corresponding.
Be more preferably, the first account pattern is to there being the first avail, and the second account pattern is to there being the second avail; The first account pattern and the second account pattern real accounts pattern independently each other, and the second avail can be a small amount of amount of money of user's storage, and the first avail can be the main amount of money of user's storage, between the first account pattern and the second account pattern, can realize the amount of money to transfer accounts; Or the first account pattern is real accounts pattern, the second account is for fabricating account pattern, the second avail under the second account pattern association and domination the first account pattern, and the second avail is less than the first avail, shown the second avail of the second account pattern is actual is a part for the first avail, if the second avail is drawn, the first avail is by corresponding minimizing.The present invention can arrange multiple the second passwords, a second account pattern corresponding to each the second password, and accounts information corresponding to each the second account pattern, makes the cryptoguard of finance account and uses more flexible and diversified.
Finance account of the present invention is supported many cipher mode, and different proper passwords enter different account patterns.Consider when user's personal safety is on the hazard, use the second password, enter corresponding the second account pattern of this finance account, show a small amount of available balance, to reach paralysis criminal's object, not only can guarantee user's personal safety, can effectively reduce user's property loss simultaneously.
Fig. 2 is the structural representation of the cipher protection system of the preferred finance account of the present invention, and described cipher protection system 100 comprises that account arranges module 10, password authentication module 20, mode control module 30 and/or alarm module 40, wherein:
Described account arranges module 10, for first password and second password of finance account are set, and the first account pattern of the corresponding finance account of first password, the second account pattern of the corresponding finance account of the second password.
Described password authentication module 20, for when receive finance account account logging request time, the current password comprising in checking account logging request.
Described mode control module 30, if be first password for current password, enters the first account pattern; If current password is the second password, enter the second account pattern that the second password is corresponding.
Described alarm module 40, for when entering after the second account pattern of finance account, trigger alarm.Described warning message can be notified the relevant departments such as financial institution, police unit, so that relevant departments can obtain crime information in time, control effectively and solves a case.
Preferably, the second account pattern is to there being predetermined avail.Alarm module 40 further comprises:
Draw and judge submodule 41, for entering after the second account pattern of finance account, judge whether the avail of the second account pattern is drawn.
The first warning submodule 42, if drawn trigger alarm for the avail of the second account pattern.
As long as if the second account pattern that enters with regard to trigger alarm, alarm condition easily makes a mistake.Therefore whether the present embodiment changes and determines whether to report to the police according to the predetermined avail that judges the second account pattern, if change, indicates that criminal has taken avail away, should report to the police immediately, otherwise not report to the police.As long as the second account pattern that can certainly enter just report to the police, to prevent that criminal from disliking the few and situation of not getting of money.
Be more preferably, described alarm module 40 further comprises:
Eliminate and judge submodule 43, for entering after the second account pattern of finance account, judge that in predetermined time threshold value, whether receiving predetermined warning elimination operates.
The second warning submodule 44, if eliminate operation, trigger alarm not, otherwise trigger alarm for receiving to report to the police in described time threshold.
As long as if the second account pattern that enters is with regard to trigger alarm, alarm condition easily makes a mistake, therefore the present embodiment further judges that in intended duration, whether receiving predetermined warning eliminates operation, as default gesture, password, in the schedule time again with proper password login etc., if receive in intended duration, report to the police and eliminate operation, trigger alarm not, otherwise trigger alarm.Because consider that user also may login the second account pattern that enters and check, now user can eliminate warning by certain operation.
Be more preferably, described cipher protection system 100 also can comprise:
Real-time monitoring module 50, for after alarm module 40 trigger alarms, monitors accounts information and/or end message that finance account is corresponding in real time.For example, automatic monitoring finance account variation, other people are used image that finance account withdraws cash etc. video capture.Again for example, criminal uses mobile terminal login finance account and enters after the second account pattern, can locate in real time the position of this mobile terminal, so that relevant departments can obtain crime information in time, control effectively and solves a case.
Be more preferably, the first account pattern is to there being the first avail, and the second account pattern is to there being the second avail; The first account pattern and the second account pattern real accounts pattern independently each other, and the second avail can be a small amount of amount of money of user's storage, and the first avail can be the main amount of money of user's storage, between the first account pattern and the second account pattern, can realize the amount of money to transfer accounts; Or the first account pattern is real accounts pattern, the second account is for fabricating account pattern, the second avail under the second account pattern association and domination the first account pattern, and the second avail is less than the first avail, shown the second avail of the second account pattern is actual is a part for the first avail, if the second avail is drawn, the first avail is by corresponding minimizing.The present invention can arrange multiple the second passwords, a second account pattern corresponding to each the second password, and accounts information corresponding to each the second account pattern, makes the cryptoguard of finance account and uses more flexible and diversified.
Fig. 3 is the process flow diagram of the cipher code protection method of finance account of the present invention, and it can be realized by cipher protection system 100 as shown in Figure 1 or 2, comprises that step has:
Step S301, arranges first password and second password of finance account, the first account pattern of the corresponding finance account of first password, one second account pattern of the corresponding finance account of the second password.
Described finance account comprises bank card account, network payment account, securities account etc.Described first password, the second password, the first account pattern and the second account pattern can be arranged or User Defined arranges by system default.
Step S302, when receive finance account account logging request time, the current password comprising in checking account logging request.
User or other people can be on cash dispenser, computer relevant login interface, by input account name and current password login finance account, this current password may be first password, the second password or bad password.
Step S303, if current password is first password, enters the first account pattern.
Step S304, if current password is the second password, enters the second account pattern that the second password is corresponding.
Preferably, after described step S304, also can comprise:
When entering after the second account pattern of finance account, trigger alarm.
Described warning message can be notified the relevant departments such as financial institution, police unit, so that relevant departments can obtain crime information in time, control effectively and solves a case.
Be more preferably, the first account pattern is to there being the first avail, and the second account pattern is to there being the second avail; The first account pattern and the second account pattern real accounts pattern independently each other, and the second avail can be a small amount of amount of money of user's storage, and the first avail can be the main amount of money of user's storage, between the first account pattern and the second account pattern, can realize the amount of money to transfer accounts; Or the first account pattern is real accounts pattern, the second account is for fabricating account pattern, the second avail under the second account pattern association and domination the first account pattern, and the second avail is less than the first avail, shown the second avail of the second account pattern is actual is a part for the first avail, if the second avail is drawn, the first avail is by corresponding minimizing.The present invention can arrange multiple the second passwords, a second account pattern corresponding to each the second password, and accounts information corresponding to each the second account pattern, makes the cryptoguard of finance account and uses more flexible and diversified.
Fig. 4 is the process flow diagram of the cipher code protection method of finance account in first embodiment of the invention, and it can be realized by cipher protection system 100 as shown in Figure 2, comprises that step has:
Step S401, arranges first password and second password of finance account, respectively corresponding the first account pattern and the second account pattern.
Step S402, receives the account logging request to finance account.
Step S403, the current password comprising in checking account logging request, performs step S405 if current password is first password, if being the second password, current password performs step S406, neither the second password if current password is not first password, but bad password performs step S404.
Step S404, if current password is bad password, sends password miscue.
Step S405, if current password is first password, enters the first account pattern.
Step S406, if current password is the second password, enters the second account pattern that the second password is corresponding.
Step S407, is entering after the second account pattern of finance account, judges whether the avail of the second account pattern is partly or entirely drawn, if perform step S408, otherwise continues to carry out this step until exit described the second account pattern.
Step S408, if the avail of the second account pattern drawn, trigger alarm.
Step S409, monitors accounts information and/or end message that finance account is corresponding in real time.
For example, automatic monitoring finance account variation, other people are used image that finance account withdraws cash etc. video capture.Again for example, criminal uses mobile terminal login finance account and enters after the second account pattern, can locate in real time the position of this mobile terminal, so that relevant departments can obtain crime information in time, control effectively and solves a case.
As long as if the second account pattern that enters with regard to trigger alarm, alarm condition easily makes a mistake.Therefore whether the present embodiment changes and determines whether to report to the police according to the predetermined avail that judges the second account pattern, if change, indicates that criminal has taken predetermined avail away, should report to the police immediately, otherwise not report to the police.As long as the second account pattern that can certainly enter just report to the police, to prevent that criminal from disliking the few and situation of not getting of money.
Fig. 5 is the process flow diagram of the cipher code protection method of finance account in second embodiment of the invention, and it can be realized by cipher protection system 100 as shown in Figure 2, comprises that step has:
Step S501, arranges first password and second password of finance account, the first account pattern of the corresponding finance account of first password, the second account pattern of the corresponding finance account of the second password.
Step S502, receives the account logging request to finance account.
Step S503, the current password comprising in checking account logging request, performs step S505 if current password is first password, if current password is the second password, performs step S506, neither the second password if current password is not first password, perform step S504.
Step S504, sends password miscue.
Step S505, if current password is first password, enters the first account pattern.
Step S506, if current password is the second password, enters the second account pattern that the second password is corresponding.
Step S507, is entering after the second account pattern of finance account, judges that in schedule time threshold value, whether receiving predetermined warning eliminates operation, if process ends, otherwise execution step S508.
Step S508, reports to the police and eliminates operation, trigger alarm if receive in schedule time threshold value.
Step S509, monitors accounts information and/or end message that finance account is corresponding in real time.
For example, automatic monitoring finance account variation, other people are used image that finance account withdraws cash etc. video capture.Again for example, criminal uses mobile terminal login finance account and enters after the second account pattern, can locate in real time the position of this mobile terminal, so that relevant departments can obtain crime information in time, control effectively and solves a case.
As long as if the second account pattern that enters is with regard to trigger alarm, alarm condition easily makes a mistake, therefore the present embodiment further judges that in intended duration, whether receiving predetermined warning eliminates operation, as default gesture, password, in the schedule time again with proper password login etc., if receive in intended duration, report to the police and eliminate operation, trigger alarm not, otherwise trigger alarm.Because consider that user also may login the second account pattern that enters and check, now user can eliminate warning by certain operation.
Be more preferably, the first account pattern is to there being the first avail, and the second account pattern is to there being the second avail; The first account pattern and the second account pattern real accounts pattern independently each other, and the second avail can be a small amount of amount of money of user's storage, and the first avail can be the main amount of money of user's storage, between the first account pattern and the second account pattern, can realize the amount of money to transfer accounts; Or the first account pattern is real accounts pattern, the second account is for fabricating account pattern, the second avail under the second account pattern association and domination the first account pattern, and the second avail is less than the first avail, shown the second avail of the second account pattern is actual is a part for the first avail, if the second avail is drawn, the first avail is by corresponding minimizing.The present invention can arrange multiple the second passwords, a second account pattern corresponding to each the second password, and accounts information corresponding to each the second account pattern, makes the cryptoguard of finance account and uses more flexible and diversified.
Two concrete application scenarioss of the present invention are described below.
Application scenarios one: after user is kidnapped by criminal; criminal requires user to provide the password of bank card to extract cash; now user can provide to criminal the second password of bank card; criminal inserts bank card at cash dispenser; and enter the second account pattern by the second password, but the inside only has a small amount of amount of money can be for extracting, and criminal helplessly extracts releasing user after a small amount of amount of money; thereby not only protected user's personal safety, reduced user's property loss simultaneously.
Application scenarios two: have the friend that a relation is general to look for user to borrow a stroke count volume larger money, user does not want to borrow but bad direct refusal for fear of hurting somebody's feelings, so user can be in the presence of friend's face, by the second password, enter the second account pattern on computers, what under this second account pattern, show is a small amount of amount of money, so not only need not lend a large number of money of friend, and can not injure gentle each other.
In sum, the present invention is that finance account arranges first password and the second password, respectively corresponding the first account pattern and the second account pattern; When user inputs current password request login finance account, if being first password, current password enters the first account pattern; If current password is the second password, enter the second account pattern, described the second account pattern can only show a small amount of avail.Whereby, user of the present invention can use different passwords to enter different account patterns according to actual conditions flexibly, makes the cryptoguard of finance account and uses more flexible and diversified.Especially, when user runs into personal safety threat, can provide the second password to enter the second account pattern to criminal, thereby can reach paralysis criminal's object, guarantee user's personal safety and property safety simultaneously.Preferably, the present invention is entering after the second account pattern of finance account, and trigger alarm automatically, control effectively and solve a case so that relevant departments can obtain crime information in time.The present invention has higher generalization and practicality.
Certainly; the present invention also can have other various embodiments; in the situation that not deviating from spirit of the present invention and essence thereof; those of ordinary skill in the art are when making according to the present invention various corresponding changes and distortion, but these corresponding changes and distortion all should belong to the protection domain of the appended claim of the present invention.

Claims (10)

1. a cipher code protection method for finance account, is characterized in that, comprises that step has:
First password and second password of finance account are set, the first account pattern of the corresponding described finance account of described first password, the second account pattern of the corresponding described finance account of described the second password;
When receive described finance account account logging request time, verify the current password comprising in described account logging request;
If described current password is described first password, enter described the first account pattern;
If described current password is described the second password, enter described the second account pattern that described the second password is corresponding.
2. cipher code protection method according to claim 1, is characterized in that, also comprises:
When entering after the described second account pattern of described finance account, trigger alarm.
3. cipher code protection method according to claim 2, is characterized in that, described the second account pattern is to there being predetermined avail;
Described when entering after the described second account pattern of finance account, the step of trigger alarm also comprises:
When entering after the described second account pattern of described finance account, judge whether described avail is drawn;
If the described avail of described the second account pattern is drawn, trigger alarm.
4. cipher code protection method according to claim 2, is characterized in that, described when entering after the described second account pattern of described finance account, the step of trigger alarm comprises:
When entering after the described second account pattern of described finance account, judge that in predetermined time threshold value, whether receiving predetermined warning eliminates operation;
If receive described warning in described time threshold, eliminate operation, trigger alarm not, otherwise trigger alarm; And/or
After the step of described trigger alarm, also comprise:
Corresponding accounts information and/or the end message of the described finance account of monitoring in real time.
5. according to the cipher code protection method described in claim 1~4 any one, it is characterized in that, described the first account pattern is to there being the first avail, and described the second account pattern is to there being the second avail;
Described the first account pattern and described the second account pattern real accounts pattern independently each other; Or
Described the first account pattern is real accounts pattern, described the second account is for fabricating account pattern, described the second avail under described the second account pattern association and described the first account pattern of domination, and described the second avail is less than described the first avail.
6. a cipher protection system for finance account, is characterized in that, includes:
Account arranges module, for first password and second password of finance account are set, and the first account pattern of the corresponding described finance account of described first password, the second account pattern of the corresponding described finance account of described the second password;
Password authentication module, for when receive described finance account account logging request time, verify the current password comprising in described account logging request;
Mode control module, if be described first password for described current password, enters described the first account pattern; If described current password is described the second password, enter described the second account pattern that described the second password is corresponding.
7. cipher protection system according to claim 6, is characterized in that, also comprises:
Alarm module, for when entering after the described second account pattern of described finance account, trigger alarm.
8. cipher protection system according to claim 7, is characterized in that, described the second account pattern is to there being predetermined avail;
Described alarm module further comprises:
Draw judgement submodule, for when entering after the described second account pattern of described finance account, judge whether described avail is drawn;
The first warning submodule, if drawn trigger alarm for the described avail of described the second account pattern.
9. cipher protection system according to claim 7, is characterized in that, described alarm module further comprises:
Eliminate and judge submodule, for when entering after the described second account pattern of described finance account, judge that in predetermined time threshold value, whether receiving predetermined warning elimination operates;
The second warning submodule, if eliminate operation for receive described warning in described time threshold, trigger alarm not, otherwise trigger alarm; And/or
Described cipher protection system also comprises:
Real-time monitoring module, for after trigger alarm, monitors accounts information and/or end message that described finance account is corresponding in real time.
10. according to the cipher protection system described in claim 6~9 any one, it is characterized in that, described the first account pattern is to there being the first avail, and described the second account pattern is to there being the second avail;
Described the first account pattern and described the second account pattern real accounts pattern independently each other; Or
Described the first account pattern is real accounts pattern, described the second account is for fabricating account pattern, described the second avail under described the second account pattern association and described the first account pattern of domination, and described the second avail is less than described the first avail.
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CN105227520A (en) * 2014-06-09 2016-01-06 中移电子商务有限公司 The method and system of a kind of account password setting and authenticating user identification
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CN107784225A (en) * 2016-12-28 2018-03-09 平安科技(深圳)有限公司 Finance account method for managing security and device
CN108734814A (en) * 2017-04-19 2018-11-02 腾讯科技(深圳)有限公司 A kind of visitor information processing method and processing device
CN110457883A (en) * 2019-07-25 2019-11-15 福建兑信科技有限公司 Unlocking pin setting method, the unlocking method and system of a kind of electronic equipment
CN115115441A (en) * 2021-03-18 2022-09-27 关文杰 User data processing method and device

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