CN103955998A - Reserved verification information for bankcard - Google Patents
Reserved verification information for bankcard Download PDFInfo
- Publication number
- CN103955998A CN103955998A CN201410170777.2A CN201410170777A CN103955998A CN 103955998 A CN103955998 A CN 103955998A CN 201410170777 A CN201410170777 A CN 201410170777A CN 103955998 A CN103955998 A CN 103955998A
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- China
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- information
- obligate
- card number
- bank
- authorization information
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Abstract
The invention discloses reserved verification information for a bankcard. The identification of the reserved verification information for the bankcard is a bankcard fund payment preprocessing technology, and is an anticipate processing method for financial trading in a payment process, and verification information before the input of a password during trading or the confirmation of a card number before transfer is set mainly to prevent a phishing website or protect privacy and meanwhile bring convenience to transfer.
Description
Technical field
The invention belongs to bank card payment funding technology.
Background technology
In current capital transfer or payment system, what the automatic teller machine of some bank or Web bank supported transfers accounts in operation, require operator to input complete the other side's account or card number, but to the account of input or the mistake of card number data, without any corrective action, the loss attracting thus can only be born voluntarily by the side of producing, and the automatic teller machine of some bank can show name or name after the complete account of input or card number, this design has problems equally, is accused of invading holder's privacy.
Some keyboard logging softwares can't be recorded as virus by antivirus software, but these softwares are equally likely utilized by hacker the information such as password, bank card number of obtaining.
Summary of the invention
The generation of technical matters: in the proof procedure of card number and password, user is difficult to judge the true and false of the other side website, thereby sending real card number and password is utilized and causes damage by hacker, and automatic teller machine is transferred accounts, account and card number are long, sometimes need repeatedly to input, very inconvenient, the design that shows the other side's name or name is directly violated and client's contract engagement, in addition, and current Web bank, although user name can not arrange bank card number, but have problem, and too simple user name is deposited potential safety hazard, and too complicated user name is difficult to memory.
Technical scheme: the reserved authorization information of bank card is a kind of bank card payment funding preconditioning technique, it is characterized in that: the reserved authorization information of bank card is exactly before money transfer transactions is confirmed and sensitive information is inputted front to paying the identifying information of the safety of environment, after noting abnormalities, stop further transaction, the sensitive information here comprises password and card number, user name, obligate information can be by flicker, jump, difficulty that the technological means such as distortion prevent that hacker from obtaining and increasing is taken on the sly, on the net in bank and mobile banking transaction process, voice can be increased or variant font is large, the watchful transaction personnel of technological means such as character is special.
It is characterized in that:
1: during the true and false of identification bank official website, identifying information is all artificial cognition, the obligate information that record is returned in the other side website is identified;
2: identification often remittance account or card number input error or while obtaining true account or card number with simple input, identifying information can be artificial cognition, can be also input identifying information acquisition account or card number.
Embodiment: introduce following examples here:
Embodiment 1: holder is when opening card, Receptionist requires holder to quote or input an authorization information, can support Chinese obligate information, when holder does not entrust Receptionist to handle, can at Possums such as automatic teller machines, complete obligate information voluntarily, after, when other people or own while proceeding to fund to bank card, holder only need to tell other people bank card number and this reserved authorization information, what automatic teller machine showed is bank card number and authorization information, no longer show name, authorization information can be revised voluntarily after input password.
Embodiment 2: the card number of regular remittance or account, obligate information and bank card number or account that remittance abroad side can arrange with certain bank card binding the other side, when needs are remitted money, remittance abroad side only need to input obligate information, the account of remittance side just can show, when remittance abroad side need to arrange several obligate information, should guarantee unique correspondence of obligate information and corresponding card number, while occurring that obligate information obligate information identical or the other side is Chinese, remittance abroad side can set obligate information voluntarily, such obligate information is only effective to the specific card number in remittance abroad side or account.
Embodiment 3: when internet banking operation, client increases verifying advance recording information function, when first debarkation net goes to bank, after inputting user name or card number, will show reserved authorization information, for safety, this obligate information of acquiescence can not log in, holder must input one and just can log in smoothly with the inconsistent obligate information of obligate information of automatic teller machine setting, after, authorization information is verified before advanceing to Password Input, namely authorization information is kept at server, while logging at every turn, server is received after card number information, can send authorization information to client, and be shown to user, user can judge whether this website is bank official website accordingly, the card number information here can be also the card number of user name binding, the authorization information principle of other financial transaction systems such as Mobile banking is the same.
Embodiment 4: obligate information also can be encrypted, this obligate information has encrypt and decrypt function, after input obligate information, the generation such as server or bank card obligate information treat return data, they and the obligate information of inputting are encrypted, and the data after encrypting are kept to client or bank card, during operation, server or bank card return to the return data for the treatment of of obligate information, client utilizes these data to be decrypted the data after encrypting, obtain original obligate information, and be shown to user, user can judge whether this website is bank official website accordingly, the main points of this technology are exactly that data are wanted to be encrypted deciphering, the process of encrypting has server and bank card to participate in, and to guarantee being connected of computer and bank card, if can not connect, it can only be the process that server and client side's data participate in encryption and decryption, from principle, the financial transaction terminals such as Mobile banking also can arrange similar software.
Claims (6)
1. the reserved authorization information of bank card is a kind of bank card payment funding preconditioning technique, it is characterized in that: the reserved authorization information of bank card is exactly before money transfer transactions is confirmed and sensitive information is inputted front to paying the identifying information of the safety of environment, after noting abnormalities, stop further transaction, the sensitive information here comprises password and card number, user name, obligate information can be by flicker, jump, difficulty that the technological means such as distortion prevent that hacker from obtaining and increasing is taken on the sly, on the net in bank and mobile banking transaction process, voice can be increased or variant font is large, the watchful transaction personnel of technological means such as character is special.
2. according to reserved authorization information claimed in claim 1, it is characterized in that:
1: during the true and false of identification bank official website, identifying information is all artificial cognition, the obligate information that record is returned in the other side website is identified;
2: identification often remittance account or card number input error or while obtaining true account or card number with simple input, identifying information can be artificial cognition, can be also input identifying information acquisition account or card number.
3. according to reserved authorization information claimed in claim 1, it is characterized in that: holder is when opening card, Receptionist requires holder to quote or input an authorization information, can support Chinese obligate information, when holder does not entrust Receptionist to handle, can at Possums such as automatic teller machines, complete obligate information voluntarily, after, when other people or own while proceeding to fund to bank card, holder only need to tell other people bank card number and this reserved authorization information, what automatic teller machine showed is bank card number and authorization information, no longer show name, authorization information can be revised voluntarily after input password.
4. according to claim 1, reserved authorization information claimed in claim 3, it is characterized in that: the card number of regular remittance or account, obligate information and bank card number or account that remittance abroad side can arrange with certain bank card binding the other side, when needs are remitted money, remittance abroad side only need to input obligate information, the account of remittance side just can show, when remittance abroad side need to arrange several obligate information, should guarantee unique correspondence of obligate information and corresponding card number, while occurring that obligate information obligate information identical or the other side is Chinese, remittance abroad side can set obligate information voluntarily, such obligate information is only effective to the specific card number in remittance abroad side or account.
5. according to reserved authorization information claimed in claim 1, it is characterized in that: when internet banking operation, client increases verifying advance recording information function, when first debarkation net goes to bank, after inputting user name or card number, will show reserved authorization information, for safety, this obligate information of acquiescence can not log in, holder must input one and just can log in smoothly with the inconsistent obligate information of obligate information of automatic teller machine setting, after, authorization information is verified before advanceing to Password Input, namely authorization information is kept at server, while logging at every turn, server is received after card number information, can send authorization information to client, and be shown to user, user can judge whether this website is bank official website accordingly, the card number information here can be also the card number of user name binding, the authorization information principle of other financial transaction systems such as Mobile banking is the same.
6. according to claim 1, reserved authorization information claimed in claim 5, it is characterized in that: obligate information also can be encrypted, this obligate information has encrypt and decrypt function, after input obligate information, the generation such as server or bank card obligate information treat return data, they and the obligate information of inputting are encrypted, and the data after encrypting are kept to client or bank card, during operation, server or bank card return to the return data for the treatment of of obligate information, client utilizes these data to be decrypted the data after encrypting, obtain original obligate information, and be shown to user, user can judge whether this website is bank official website accordingly, the main points of this technology are exactly that data are wanted to be encrypted deciphering, the process of encrypting has server and bank card to participate in, and to guarantee being connected of computer and bank card, if can not connect, it can only be the process that server and client side's data participate in encryption and decryption, from principle, the financial transaction terminals such as Mobile banking also can arrange similar software.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410170777.2A CN103955998A (en) | 2014-04-27 | 2014-04-27 | Reserved verification information for bankcard |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410170777.2A CN103955998A (en) | 2014-04-27 | 2014-04-27 | Reserved verification information for bankcard |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103955998A true CN103955998A (en) | 2014-07-30 |
Family
ID=51333267
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410170777.2A Pending CN103955998A (en) | 2014-04-27 | 2014-04-27 | Reserved verification information for bankcard |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN103955998A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016091088A1 (en) * | 2014-12-08 | 2016-06-16 | 阿里巴巴集团控股有限公司 | Method, device and client for displaying information |
| WO2016141819A1 (en) * | 2015-03-10 | 2016-09-15 | 阿里巴巴集团控股有限公司 | Anti-forgery method for information, information identification method and apparatus |
| CN109981618A (en) * | 2019-03-13 | 2019-07-05 | 西安外事学院 | A kind of computer network security login authentication system |
Citations (3)
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| CN1450781A (en) * | 2003-04-25 | 2003-10-22 | 方泽南 | Mobile remittance method by Global Express |
| CN1825352A (en) * | 2006-03-31 | 2006-08-30 | 中国工商银行股份有限公司 | Method for verifying advance recording information over network |
| CN103106580A (en) * | 2012-12-13 | 2013-05-15 | 江苏乐买到网络科技有限公司 | On-line payment method |
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2014
- 2014-04-27 CN CN201410170777.2A patent/CN103955998A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1450781A (en) * | 2003-04-25 | 2003-10-22 | 方泽南 | Mobile remittance method by Global Express |
| CN1825352A (en) * | 2006-03-31 | 2006-08-30 | 中国工商银行股份有限公司 | Method for verifying advance recording information over network |
| CN103106580A (en) * | 2012-12-13 | 2013-05-15 | 江苏乐买到网络科技有限公司 | On-line payment method |
Non-Patent Citations (2)
| Title |
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| 伊晓霞等: "浦发开通全国email汇款业务", 《民营经济报》, 17 January 2006 (2006-01-17), pages 14 * |
| 牟宁波等: "电子银行安全辅助手段研究", 《金融服务科技》, 30 September 2013 (2013-09-30), pages 92 - 94 * |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016091088A1 (en) * | 2014-12-08 | 2016-06-16 | 阿里巴巴集团控股有限公司 | Method, device and client for displaying information |
| CN105743840A (en) * | 2014-12-08 | 2016-07-06 | 阿里巴巴集团控股有限公司 | Information display method and device, and client |
| WO2016141819A1 (en) * | 2015-03-10 | 2016-09-15 | 阿里巴巴集团控股有限公司 | Anti-forgery method for information, information identification method and apparatus |
| CN106034303A (en) * | 2015-03-10 | 2016-10-19 | 阿里巴巴集团控股有限公司 | Information anti-faking method, information identification method, information anti-faking device and information identification device |
| CN106034303B (en) * | 2015-03-10 | 2018-10-09 | 阿里巴巴集团控股有限公司 | A kind of anti-counterfeiting method, information identifying method and the device of information |
| CN109981618A (en) * | 2019-03-13 | 2019-07-05 | 西安外事学院 | A kind of computer network security login authentication system |
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| C06 | Publication | ||
| PB01 | Publication | ||
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| RJ01 | Rejection of invention patent application after publication | ||
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Application publication date: 20140730 |