CN103745538B - The cipher code protection method of finance account and system - Google Patents
The cipher code protection method of finance account and system Download PDFInfo
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- CN103745538B CN103745538B CN201310750873.XA CN201310750873A CN103745538B CN 103745538 B CN103745538 B CN 103745538B CN 201310750873 A CN201310750873 A CN 201310750873A CN 103745538 B CN103745538 B CN 103745538B
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Abstract
The invention provides the cipher code protection method of a kind of finance account; have including step: first password and at least the second password of finance account are set; 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 second password;When receiving the request of the Account Logon to described finance account, verify the current password comprised in the request of described Account Logon;If described current password is described first password, then enter described first account pattern;If described current password is described second password, then enter the described second account pattern that described second password is corresponding.Correspondingly, the present invention also provides for the cipher protection system of a kind of finance account.Whereby, the present invention can use different passwords to enter different account patterns flexibly according to practical situation so that the cryptoguard of finance account and use are more flexible and diversified, and can ensure user's personal safety and property safety under crisis situations simultaneously.
Description
Technical field
The present invention relates to cryptoguard technical field, particularly relate to a kind of finance account cipher code protection method and
System.
Background technology
User, when using the finance account such as bank card account, network payment account withdraw the money or pay, is
System needs to carry out cryptographic check, or is detected by verification modes such as the short message verification code of the communication terminal of user
The legitimacy of active user.If but when user's life is on the hazard, being forced to criminal provides password to enter
When row is withdrawn the money or transferred accounts, the now cryptographic check of finance account just becomes without in all senses.
In summary, prior art there will naturally be inconvenience and defect in actual use, it is therefore necessary in addition
Improve.
Summary of the invention
For above-mentioned defect, it is an object of the invention to provide a kind of finance account cipher code protection method and
System, it can use different passwords to enter different account patterns flexibly according to practical situation so that gold
Melt the cryptoguard of account and use more flexible and diversified, and user can be ensured under crisis situations simultaneously
Personal safety and property safety.
The present invention provides the cipher code protection method of a kind of finance account, has including step:
First password and second password of finance account are set, the corresponding described finance account of described first password
First account pattern, the second account pattern of the corresponding described finance account of described second password;
When receiving the request of the Account Logon to described finance account, verify in the request of described Account Logon and wrap
The current password contained;
If described current password is described first password, then enter described first account pattern;
If described current password is described second password, then enter described second account that described second password is corresponding
Family pattern.
According to cipher code protection method of the present invention, also include:
When, after the described second account pattern entering described finance account, triggering and report to the police.
According to cipher code protection method of the present invention, described second account pattern is to there being predetermined available gold
Volume;
Described when, after the described second account pattern entering finance account, triggering the step reported to the police and also include:
When after the described second account pattern entering described finance account, it is judged that whether described avail is propped up
Take;
If the described avail of described second account pattern is drawn, then trigger warning.
According to cipher code protection method of the present invention, described when described second account entering described finance account
After the pattern of family, trigger the step reported to the police and include:
When after the described second account pattern entering described finance account, it is judged that in predetermined time threshold be
No receive predetermined warning and eliminate operation;
If receiving described warning in described time threshold to eliminate operation, the most not triggering warning, otherwise triggering
Report to the police;And/or
Also include after the described step triggering warning:
Monitor accounts information corresponding to described finance account and/or end message in real time.
According to cipher code protection method of the present invention, described first account pattern to there being the first avail,
Described second account pattern is to there being the second avail;
Described first account pattern and the most independent real accounts pattern of described second account pattern;Or
Described first account pattern is real accounts pattern, and described second account is for fabricating account pattern, described
Second account pattern association and the domination described second avail belonging to described first account pattern, and institute
State the second avail less than described first avail.
The present invention also provides for the cipher protection system of a kind of finance account, includes:
Account setup module, for arranging first password and second password of finance account, described first password
First account pattern of corresponding described finance account, the second account of the corresponding described finance account of described second password
Family pattern;
Password authentication module, for when receiving the request of the Account Logon to described finance account, verifying institute
State the current password comprised in Account Logon request;
Mode control module, if being described first password for described current password, then enters described first account
Family pattern;If described current password is described second password, then enter that described second password is corresponding described
Two account patterns.
According to cipher protection system of the present invention, also include:
Alarm module, for when, after the described second account pattern entering described finance account, triggering and report to the police.
According to cipher protection system of the present invention, described second account pattern is to there being predetermined available gold
Volume;
Described alarm module farther includes:
Draw judgement submodule, for when after the described second account pattern entering described finance account, it is judged that
Whether described avail is drawn;
First warning submodule, if the described avail for described second account pattern is drawn, then touches
Transmit messages police.
According to cipher protection system of the present invention, described alarm module farther includes:
Eliminate and judge submodule, for when after the described second account pattern entering described finance account, it is judged that
In predetermined time threshold, whether receive predetermined warning eliminate operation;
Second warning submodule, if eliminating operation, then for receiving described warning in described time threshold
Do not trigger warning, otherwise trigger warning;And/or
Described cipher protection system also includes:
Real-time monitoring module, for after triggering warning, monitors the account letter that described finance account is corresponding in real time
Breath and/or end message.
According to cipher protection system of the present invention, described first account pattern to there being the first avail,
Described second account pattern is to there being the second avail;
Described first account pattern and the most independent real accounts pattern of described second account pattern;Or
Described first account pattern is real accounts pattern, and described second account is for fabricating account pattern, described
Second account pattern association and the domination described second avail belonging to described first account pattern, and institute
State the second avail less than described first avail.
The present invention is that finance account arranges first password and the second password, respectively corresponding first account pattern and the
Two account patterns;When user input current password request log in finance account time, if current password is first close
Code then enters the first account pattern;If current password is the second password, enter the second account pattern, described
Two account patterns can only show a small amount of avail.Whereby, user of the present invention can be according to practical situation spirit
Live and use different passwords to enter different account patterns so that the cryptoguard of finance account and use are more
Flexible and diversified.Especially, when user run into personal safety threaten time, can provide second close to criminal
Code, so that the second account pattern of entrance, such that it is able to reach to benumb the purpose of criminal, ensures user's person simultaneously
Safety and property safety.Preferably, the present invention is after the second account pattern entering finance account, permissible
Automatically warning is triggered, in order to relevant departments can obtain Crime Information in time and control effectively and solve a case.This
Bright have 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 flow chart of the cipher code protection method of finance account of the present invention;
Fig. 4 is the flow chart of the cipher code protection method of finance account in first embodiment of the invention;
Fig. 5 is the flow chart of the cipher code protection method of finance account in second embodiment of the invention.
Detailed description of the invention
In order to make the purpose of the present invention, technical scheme and advantage clearer, below in conjunction with accompanying drawing and reality
Execute example, the present invention is further elaborated.Only should be appreciated that specific embodiment described herein
Only in order to explain the present invention, it 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, described cipher protection system
100 include account setup module 10, password authentication module 20 and mode control module 30, wherein:
Described account setup module 10, for arranging first password and second password of finance account, first is close
First account pattern of the corresponding finance account of code;Second account pattern of the second password correspondence finance account.Institute
State finance account and include bank card account, network payment account, securities account etc..Described first password,
Two passwords, the first account pattern and the second account pattern can be arranged by system default or User Defined is arranged.
Described password authentication module 20, for when receiving the request of the Account Logon to finance account, verifying
The current password comprised in Account Logon request.User or other people can relevant on cash dispenser, computer step on
Record interface, logs in finance account by input account name and current password, and it is close that this current password is probably first
Code, the second password or bad password.
Described mode control module 30, if being first password for current password, then enters the first account pattern;
If current password is the second password, then enter the second account pattern that the second password is corresponding.
It is preferred that the first account pattern is to there being the first avail, the second account pattern is to having second
Avail;First account pattern and the most independent real accounts pattern of the second account pattern, and second can
Can be a small amount of amount of money of user's storage with the amount of money, and the first avail can be the main gold of user's storage
Volume, can realize the amount of money between the first account pattern and the second account pattern and transfer accounts;Or the first account pattern
For real accounts pattern, the second account is imaginary account pattern, the second account pattern association and domination the first account
The second avail belonging to the pattern of family, and the second avail is less than the first avail, the i.e. second account
The second avail shown by the pattern of family is really a part for the first avail, if the second avail
Drawn, then the first avail will reduce accordingly.The present invention can arrange multiple second password, Mei Ge
The corresponding different second account pattern of two passwords, the corresponding different accounts information of each second account pattern,
Make the cryptoguard of finance account and use more flexible and diversified.
Finance account of the present invention supports that many cipher mode, different proper passwords enter different account patterns.Examine
Consider to user's personal safety be on the hazard time, use the second password, enter corresponding second account of this finance account
Family pattern, shows a small amount of available balance, to reach to benumb the purpose of criminal, not only can ensure the person of user
Safety, is effectively reduced the property loss of user simultaneously.
Fig. 2 is the structural representation of the cipher protection system of the preferred finance account of the present invention, described cryptoguard
System 100, including account setup module 10, password authentication module 20, mode control module 30 and/or report
Alert module 40, wherein:
Described account setup module 10, for arranging first password and second password of finance account, first is close
First account pattern of the corresponding finance account of code, the second account pattern of the second password correspondence finance account.
Described password authentication module 20, for when receiving the request of the Account Logon to finance account, verifying
The current password comprised in Account Logon request.
Described mode control module 30, if being first password for current password, then enters the first account pattern;
If current password is the second password, then enter the second account pattern that the second password is corresponding.
Described alarm module 40, for when, after the second account pattern entering finance account, triggering and report to the police.Institute
State warning message and can notify the relevant departments such as financial institution, police unit, in order to relevant departments can be timely
Obtain Crime Information to control effectively and solve a case.
Preferably, the second account pattern is to there being predetermined avail.Alarm module 40 farther includes:
Draw and judge submodule 41, for after the second account pattern entering finance account, it is judged that the second account
Whether the avail of family pattern is drawn.
First warning submodule 42, if the avail for the second account pattern is drawn, then triggers warning.
As long as if the second account pattern of entrance just triggers warning, being susceptible to false alarm situation.Therefore originally
Whether embodiment changes according to the predetermined avail judging the second account pattern determines whether to report to the police, if
Change and then indicate that criminal removes avail, then should report to the police immediately, not report to the police.Certainly also may be used
As long as just reporting to the police to enter the second account pattern, situation about not taking to prevent criminal from disliking money few.
It is preferred that described alarm module 40 farther includes:
Eliminate and judge submodule 43, for after the second account pattern entering finance account, it is judged that predetermined
Time threshold in whether receive predetermined warning and eliminate operation.
Second warning submodule 44, if eliminating operation for receiving warning in described time threshold, the most not
Trigger and report to the police, otherwise trigger warning.
As long as if the second account pattern of entrance just triggers warning, it is susceptible to false alarm situation, therefore originally
Embodiment determines whether whether to receive predetermined warning in intended duration and eliminates operation, as default gesture,
Password, in the scheduled time again with proper password login etc., if receiving warning in intended duration to eliminate operation,
The most do not trigger warning, otherwise trigger warning.Since it is considered that user is likely to log into the second account
Pattern is checked, now user can eliminate warning by certain operation.
It is preferred that described cipher protection system 100 may also include that
Real-time monitoring module 50, after triggering report to the police at alarm module 40, monitoring finance account is corresponding in real time
Accounts information and/or end message.Such as, automatically monitoring finance account variation, video capture other people use
The image etc. that finance account is withdrawn cash.The most such as, criminal uses mobile terminal log in finance account and enter second
After account pattern, can be with the position of this mobile terminal of real-time positioning, in order to relevant departments can obtain crime in time
Information control effectively and solves a case.
It is preferred that the first account pattern is to there being the first avail, the second account pattern is to having second
Avail;First account pattern and the most independent real accounts pattern of the second account pattern, and second can
Can be a small amount of amount of money of user's storage with the amount of money, and the first avail can be the main gold of user's storage
Volume, can realize the amount of money between the first account pattern and the second account pattern and transfer accounts;Or the first account pattern
For real accounts pattern, the second account is imaginary account pattern, the second account pattern association and domination the first account
The second avail belonging to the pattern of family, and the second avail is less than the first avail, the i.e. second account
The second avail shown by the pattern of family is really a part for the first avail, if the second avail
Drawn, then the first avail will reduce accordingly.The present invention can arrange multiple second password, Mei Ge
The corresponding different second account pattern of two passwords, the corresponding different accounts information of each second account pattern,
Make the cryptoguard of finance account and use more flexible and diversified.
Fig. 3 is the flow chart of the cipher code protection method of finance account of the present invention, and it can be by such as Fig. 1 or Fig. 2
Shown cipher protection system 100 realizes, and has including step:
Step S301, arranges first password and second password of finance account, first password correspondence finance account
The first account pattern, one second account pattern of the second password correspondence finance account.
Described finance account includes bank card account, network payment account, securities account etc..Described first close
Code, the second password, the first account pattern and the second account pattern can be arranged by system default or user makes by oneself
Justice is arranged.
Step S302, when receiving the request of the Account Logon to finance account, in checking Account Logon request
The current password comprised.
User or other people can associated login interface on cash dispenser, computer, by input account name with work as
Front password login finance account, this current password is probably first password, the second password or bad password.
Step S303, if current password is first password, then enters the first account pattern.
Step S304, if current password is the second password, then enters the second account pattern that the second password is corresponding.
Preferably, may also include that after described step S304
When, after the second account pattern entering finance account, triggering and report to the police.
Described warning message can notify the relevant departments such as financial institution, police unit, in order to relevant departments
Crime Information can be obtained in time control effectively and solve a case.
It is preferred that the first account pattern is to there being the first avail, the second account pattern is to having second
Avail;First account pattern and the most independent real accounts pattern of the second account pattern, and second can
Can be a small amount of amount of money of user's storage with the amount of money, and the first avail can be the main gold of user's storage
Volume, can realize the amount of money between the first account pattern and the second account pattern and transfer accounts;Or the first account pattern
For real accounts pattern, the second account is imaginary account pattern, the second account pattern association and domination the first account
The second avail belonging to the pattern of family, and the second avail is less than the first avail, the i.e. second account
The second avail shown by the pattern of family is really a part for the first avail, if the second avail
Drawn, then the first avail will reduce accordingly.The present invention can arrange multiple second password, Mei Ge
The corresponding different second account pattern of two passwords, the corresponding different accounts information of each second account pattern,
Make the cryptoguard of finance account and use more flexible and diversified.
Fig. 4 is the flow chart of the cipher code protection method of finance account in first embodiment of the invention, and it can pass through
Cipher protection system 100 as shown in Figure 2 realizes, and has including step:
Step S401, arranges first password and second password of finance account, respectively corresponding first account pattern
With the second account pattern.
Step S402, receives the request of the Account Logon to finance account.
Step S403, the current password comprised in checking Account Logon request, if current password is first password
Then perform step S405, if current password is the second password, perform step S406, if current password is not the
One password is not the second password, but bad password, then perform step S404.
Step S404, if current password is bad password, sends code error prompting.
Step S405, if current password is first password, then enters the first account pattern.
Step S406, if current password is the second password, then enters the second account pattern that the second password is corresponding.
Step S407, after the second account pattern entering finance account, it is judged that can use of the second account pattern
Whether the amount of money is partly or entirely drawn, if then perform step S408, otherwise continue executing with this step until
Exit described second account pattern.
Step S408, if the avail of the second account pattern is drawn, then triggers warning.
Step S409, monitors accounts information corresponding to finance account and/or end message in real time.
Such as, automatically monitoring finance account variation, video capture other people use the image etc. that finance account withdraws cash.
The most such as, after criminal uses mobile terminal to log in finance account and enter the second account pattern, can determine in real time
The position of this mobile terminal of position, in order to relevant departments can obtain Crime Information in time and control effectively and solve a case.
As long as if the second account pattern of entrance just triggers warning, being susceptible to false alarm situation.Therefore originally
Whether embodiment changes according to the predetermined avail judging the second account pattern determines whether to report to the police, if
Change and then indicate that criminal removes predetermined avail, then should report to the police immediately, not report to the police.Certainly
As long as the second account pattern that can also enter just is reported to the police, situation about not taking to prevent criminal from disliking money few.
Fig. 5 is the flow chart of the cipher code protection method of finance account in second embodiment of the invention, and it can pass through
Cipher protection system 100 as shown in Figure 2 realizes, and has including step:
Step S501, arranges first password and second password of finance account, first password correspondence finance account
The first account pattern, the second account pattern of the second password correspondence finance account.
Step S502, receives the request of the Account Logon to finance account.
Step S503, the current password comprised in checking Account Logon request, if current password is first password
Then perform step S505, if current password is the second password, perform step S506, if current password is not the
One password is not the second password, then perform step S504.
Step S504, sends code error prompting.
Step S505, if current password is first password, then enters the first account pattern.
Step S506, if current password is the second password, then enters the second account pattern that the second password is corresponding.
Step S507, after the second account pattern entering finance account, it is judged that in scheduled time threshold value be
No receiving predetermined warning and eliminate operation, if then terminating flow process, otherwise performing step S508.
Step S508, if receiving warning in scheduled time threshold value to eliminate operation, then triggers warning.
Step S509, monitors accounts information corresponding to finance account and/or end message in real time.
Such as, automatically monitoring finance account variation, video capture other people use the image etc. that finance account withdraws cash.
The most such as, after criminal uses mobile terminal to log in finance account and enter the second account pattern, can determine in real time
The position of this mobile terminal of position, in order to relevant departments can obtain Crime Information in time and control effectively and solve a case.
As long as if the second account pattern of entrance just triggers warning, it is susceptible to false alarm situation, therefore originally
Embodiment determines whether whether to receive predetermined warning in intended duration and eliminates operation, as default gesture,
Password, in the scheduled time again with proper password login etc., if receiving warning in intended duration to eliminate operation,
The most do not trigger warning, otherwise trigger warning.Since it is considered that user is likely to log into the second account
Pattern is checked, now user can eliminate warning by certain operation.
It is preferred that the first account pattern is to there being the first avail, the second account pattern is to having second
Avail;First account pattern and the most independent real accounts pattern of the second account pattern, and second can
Can be a small amount of amount of money of user's storage with the amount of money, and the first avail can be the main gold of user's storage
Volume, can realize the amount of money between the first account pattern and the second account pattern and transfer accounts;Or the first account pattern
For real accounts pattern, the second account is imaginary account pattern, the second account pattern association and domination the first account
The second avail belonging to the pattern of family, and the second avail is less than the first avail, the i.e. second account
The second avail shown by the pattern of family is really a part for the first avail, if the second avail
Drawn, then the first avail will reduce accordingly.The present invention can arrange multiple second password, Mei Ge
The corresponding different second account pattern of two passwords, the corresponding different accounts information of each second account pattern,
Make the cryptoguard of finance account and use more flexible and diversified.
Two concrete application scenarios of the present invention are described below.
Application scenarios one: after user is kidnapped by criminal, criminal requires that user provides the password of bank card to carry
Enchashment gold, now user can provide the second password of bank card to criminal, and criminal inserts bank at cash dispenser
Card, and enter the second account pattern by the second password, but the inside only has a small amount of amount of money to be available for extracting, criminal
Helplessly extract releasing user after a small amount of amount of money, thus not only protect the personal safety of user, reduce simultaneously
The property loss of user.
Application scenarios two: the friend having a relation general looks for user to borrow the money that a stroke count volume is bigger, and user is not
Wanting to borrow but the most bad direct refusal, then user can be in the presence of friend face, on computers by the
Two passwords enter the second account pattern, are shown that a small amount of amount of money, the most not under this second account pattern
With lending a large number of money of friend, and will not injure the most gentle.
In sum, the present invention is that finance account arranges first password and the second password, corresponding first account respectively
Family pattern and the second account pattern;When user inputs current password request login finance account, if the closeest
Code is that first password then enters the first account pattern;If current password is the second password, enter the second account mould
Formula, described second account pattern can only show a small amount of avail.Whereby, user of the present invention can basis
Practical situation uses different passwords to enter different account patterns flexibly so that the cryptoguard of finance account
More flexible and diversified with using.Especially, when user runs into personal safety threat, can be to criminal
There is provided the second password so that the second account pattern of entrance, such that it is able to reach to benumb the purpose of criminal, protect simultaneously
Card user's personal safety and property safety.Preferably, the present invention is entering the second account mould of finance account
After formula, can automatically trigger warning, in order to relevant departments can obtain in time Crime Information control effectively and
Solve a case.The present invention has higher generalization and practicality.
Certainly, the present invention also can have other various embodiments, without departing substantially from present invention spirit and the feelings of essence thereof
Under condition, those of ordinary skill in the art work as can make various corresponding change and deformation according to the present invention, but
These change accordingly and deform the protection domain that all should belong to appended claims of the invention.
Claims (4)
1. the cipher code protection method of a finance account, it is characterised in that include that step has:
First password and second password of finance account are set, the corresponding described finance account of described first password
First account pattern, the second account pattern of the corresponding described finance account of described second password;
When receiving the request of the Account Logon to described finance account, verify in the request of described Account Logon and wrap
The current password contained;
If described current password is described first password, then enter described first account pattern;
If described current password is described second password, then enter described second account that described second password is corresponding
Family pattern;
When, after the described second account pattern entering described finance account, triggering and report to the police;
Described second account pattern is to there being the second avail;
Described when, after the described second account pattern entering finance account, triggering the step reported to the police and also include:
When after the described second account pattern entering described finance account, it is judged that whether described second avail
Drawn;
If described second avail of described second account pattern is drawn, then trigger warning;Or
Described when, after the described second account pattern entering described finance account, triggering the step reported to the police and include:
When after the described second account pattern entering described finance account, it is judged that in predetermined time threshold be
No receive predetermined warning and eliminate operation;
If receiving described warning in described time threshold to eliminate operation, the most not triggering warning, otherwise triggering
Report to the police;And/or
Also include after the described step triggering warning:
Monitor accounts information corresponding to described finance account and/or end message in real time.
Cipher code protection method the most according to claim 1, it is characterised in that described first account pattern
To there being the first avail;
Described first account pattern and the most independent real accounts pattern of described second account pattern;Or
Described first account pattern is real accounts pattern, and described second account pattern is imaginary account pattern,
Described second account pattern association and the domination described second avail belonging to described first account pattern, and
And described second avail is less than described first avail.
3. the cipher protection system of a finance account, it is characterised in that include:
Account setup module, for arranging first password and second password of finance account, described first password
First account pattern of corresponding described finance account, the second account of the corresponding described finance account of described second password
Family pattern;
Password authentication module, for when receiving the request of the Account Logon to described finance account, verifying institute
State the current password comprised in Account Logon request;
Mode control module, if being described first password for described current password, then enters described first account
Family pattern;If described current password is described second password, then enter that described second password is corresponding described
Two account patterns;
Described second account pattern is to there being the second avail;
Alarm module, for when, after the described second account pattern entering described finance account, triggering and report to the police;
Described alarm module farther includes:
Draw judgement submodule, for when after the described second account pattern entering described finance account, it is judged that
Whether described second avail is drawn;
First warning submodule, if described second avail for described second account pattern is drawn,
Then trigger warning;Or
Described alarm module farther includes:
Eliminate and judge submodule, for when after the described second account pattern entering described finance account, it is judged that
In predetermined time threshold, whether receive predetermined warning eliminate operation;
Second warning submodule, if eliminating operation, then for receiving described warning in described time threshold
Do not trigger warning, otherwise trigger warning;And/or
Described cipher protection system also includes:
Real-time monitoring module, for after triggering warning, monitors the account letter that described finance account is corresponding in real time
Breath and/or end message.
Cipher protection system the most according to claim 3, it is characterised in that described first account pattern
To there being the first avail;
Described first account pattern and the most independent real accounts pattern of described second account pattern;Or
Described first account pattern is real accounts pattern, and described second account pattern is imaginary account pattern,
Described second account pattern association and the domination described second avail belonging to described first account pattern, and
And described second avail is less than described first avail.
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CN104021629B (en) * | 2014-06-23 | 2017-12-01 | 黄明杰 | A kind of account management guard method |
CN104077857B (en) * | 2014-07-03 | 2016-08-17 | 广州广电运通金融电子股份有限公司 | A kind of financial self-service equipment and method of commerce thereof |
CN104809822B (en) * | 2014-08-26 | 2018-03-16 | 周捷 | The security system of self-help bank |
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