CN103955999A

CN103955999A - Bank card payment system with alarm function

Info

Publication number: CN103955999A
Application number: CN201410162196.4A
Authority: CN
Inventors: 汪风珍
Original assignee: Individual
Current assignee: Individual
Priority date: 2014-04-22
Filing date: 2014-04-22
Publication date: 2014-07-30

Abstract

A bank card payment system with an alarm function belongs to a hardware and software system which can perform corresponding alarm measures or other treatment measures according to the corresponding conditions after an alarm signal is received by a certain technical scheme through an online bank, a mobile phone bank or other financial transaction tools or systems. The bank card payment system with the alarm function has automatic and manual alarm modes, wherein the automatic alarm mode refers to the alarm that a bank card is still remained in a teller machine after certain time after the system monitors starting and finishing signals of a transaction, the manual alarm mode refers to that the alarm of the system is started in a hidden mode and under the comparison of two or more verification messages, and the technology has two actions: a card holder is promoted to take the card, and a public security officer is requested to start off for protection when physical or property security threats occur to the card holder.

Description

With the bank card paying system of warning function

Technical field

The invention belongs to alarm technique.

Background technology

Warning refers to because making country, public interest, I or other people person, property and other rights are avoided loss and are passed through phone, network, the modes such as mail are to police report emergency situation or send emergency signal, Baidupedia is shown in above-mentioned definition, equipment and the method for reporting to the police are varied, but divide generally two kinds, be automatic alarm and artificial warning, general automatic alarm all utilizes mutual change of quality and quantity law as principle, namely quantitative change is not reported to the police, qualitative change is reported to the police, in actual design, design critical parameters, below critical parameters time, do not report to the police, exceeding critical parameters reports to the police, automatic alarm is that with the difference of automatically controlling the former generally asks manual intervention, the latter is automatic processing, after the handling failure of not excessive claimant's work, part warning system also can proceed to automatic processing, alerting signal is compared with general cue, signal is more urgent more by force, more be easy to arouse people's attention.

Summary of the invention

The origin of technical matters, warning demand in bank card payment process, divide substantially three classes, be that holder forgets that card taking causes other people to steal, to be that holder is forgetful cause this situation, there is not saying of artificial warning, or more severe situation is that other people push holder open and withdraw the money by force after holder inputs password, this situation occurred a lot of in Foshan, also having a class is the criminal offence that lawless person or even offender implement, be that offender coerces holder and withdraws the money or coerce holder and say password, the situations such as latter two situation telephone call are not applicable, rashly the holder that reports to the police may meet with larger injury.

Concrete technical scheme: bank card paying system comprises Web bank, the instrument of Mobile banking or other financial transactions or system receive after alerting signal by certain technical scheme, make the hardware and software system of corresponding warning measure or other treatment measures according to corresponding situation, the bank card here comprises that virtual bank card or other have the electronic tool of similar moneytary operations or payment, the technical scheme here has an essential characteristic, the realization that is warning function at least needs two to trigger the factor, by system, thereby the factor data of these acquisitions is compared to determine whether report to the police, system synchronization starts other certain safeguard measures, what the present invention was corresponding has two kinds of technical schemes, the signal initiatively receiving is automatic alarm, the 2nd, artificial warning.

The technical scheme of automatic alarm, what the financial transaction terminal of automatic alarm Dou Shi financial institution sent expresses alerting signal, when transaction starts, transaction personnel initiatively or by financial transaction terminals such as trend automatic teller machines transmit a signal, automatic teller machine is received this signal, could carry out normal process of exchange, after transaction initiatively finishes, transaction personnel initiatively transmit the signal of closing the transaction to automatic teller machine, after transaction abnormal ending, transaction personnel can be owing to leaving, limb actions etc. transmit the signal of closing the transaction automatically, now automatic teller machine is shut the book, need to again operate time, must again insert bank card, when the signal process regular hour of closing the transaction, this time should be arranged on operating personnel and not how far not leave, utilize card and automatic teller machine feedack, be that system senses bank card also exists, just start and report to the police, in the invalid situation of reporting to the police, start and gulp down card.

Artificial technical scheme of reporting to the police: everyone experiences Personal Risk or interest in property will be impaired time when bank card or financial note, mandate threatens people to carry out legal apparently financial transaction or seem the transaction without the slightest difference with arm's length transaction under the supervision that threatens people, ask the one design of police's responding simultaneously in the dark, financial transaction is divided two kinds by this design, be normal mode and abnormal patterns transaction, in authentication process itself, have at least two data or signal to participate in authentication, when the checking that these data or signal all meet arm's length transaction requires, enter normal mode, only meet the verification condition of abnormal transaction, enter abnormal patterns transaction, synchronous trigger alarm, when the two does not all meet, refusal transaction, this design automatic teller machine should be numbered etc. and to facilitate the police to locate rapidly, abnormal patterns is also that one can trade mode, its front page layout and normal mode striking resemblances, just its remaining sum shows and can dealing money etc. exists restriction, this restriction can be set voluntarily and be revised by holder etc., in the time that the warning connection line of automatic teller machine or server interrupts, the transaction of system refusal.

embodiment:here introduce following examples:

Embodiment 1: it is an automatic alarm system, it is a leverage that pin is stepped on switch, connect an iron plate that has an aperture, while not slamming, spring withstands iron plate down, aperture position is not right, photoelectric tube or other induction installations can not carry out work, after tramping with one's feet, on the position of aperture, move and aim at luminous miniature bulb, even if the upper-lower position arranging is here that spring breaks down, iron plate also can be because Action of Gravity Field causes aperture position not right, the weight of iron plate will ensure in inactive situation, its gravity can ensure that this state exists, photoelectric tube is started working, once photoelectric tube quits work, system awareness information, exit transaction page, through the regular hour, operated by rotary motion 30 seconds should be just passable, even if holder leaves, how far do not walk yet, system detects that bank card is also in automatic teller machine, start the warning such as voice or warning light, remind holder's card taking, when holder does not still have card taking, gulp down card program with regard to corresponding startup, motor operated switch is not set here, because motor operated switch is easily out of order, this design is, the device of luminous miniature bulb or photoelectric tube and so on breaks down, also be to conclude the business, only need notifying bank to process, here to note, if automatic teller machine does not have bank card, and path is connected always, system also should arrange report barrier, this design needs holder to slam, this design is that holder initiatively sends commencing signal to automatic teller machine, also can initiatively send end signal, while initiatively transmission, also can passive transmission end signal, can avoid the forgetful bank card bringing to be lost in automatic teller machine and bring loss.

Embodiment 2: we also can utilize photoelectric tube or infrared ray etc., automatic teller machine and screening canopy or machine room are obtained to a path, when holder operates, can block its path, now send transaction commencing signal, after holder leaves, path is connected, now send closing the transaction signal, if card is also in automatic teller machine, the process regular hour just enters alert program, and this modelled signal sends and all automatically carries out, but the prompt facility of answering modelled signal to send, otherwise signal sends failure or equipment malfunction is unlikely to not know.

Embodiment 3: (this value is provided by the read-write data of bank card input password by early warning cipher control value, its effective value is determined by bank card password figure place, present bank card password figure place is 6, therefore this value is 1 to 6, that bit-errors of specifying and other all correct passwords are exactly early warning password, in md5 encryption, can be by cryptographic binding secondary encryption data, these secondary encryption data are provided by bank card, like this, just can obtain respectively secondary encryption data+5 password, this five-digit number certificate is exactly the five-digit number certificate of rejecting after early warning password, with secondary encryption data+6 password, they are utilized to md5 encryption, according to the uniqueness principle of MD5, two MD5 data are can be not identical, here be designated as respectively A password, B password, can enter by B password, it is exactly normal mode, can not check by B password, but can check by A password, enter exactly abnormal patterns, the two is unpassable all, it is exactly password mistake, secondary encryption data are options, if other cipher modes, also can adopt respectively 5 bit encryptions and 6 bit encryptions, obtain two passwords, here be designated as respectively A password, B password, can enter by B password, it is exactly normal mode, can not check by B password, but can check by A password, enter exactly abnormal patterns, the two is unpassable all, it is exactly password mistake, when encryption, can introduce equally secondary encryption data, early warning password can be suitable for bank card or the financial transaction based on any principle.

Embodiment 4: telephone cipher is that special service number adds tail number, it is by bank card binding telephone number, see that technically fixed line is also fine, but base inconvenience, require binding phone number, a fixing special service number is set in the whole nation, this special service number is exactly similar 119 such, then holder arranges certain tail number voluntarily, general recommendations arranges 1 to 2 tail number, setting one or two can be selected according to the memory capability of oneself by holder, set two safer, tail number is for safety, should encrypt, this special service number must add that tail number just can successfully dial, but special service number adds any effective tail number can successfully be dialed, before the each transaction of holder, must dial this requests for telephone numbers transaction, as long as connect, telecommunications company receives after communication services request, the number of dialing and time are sent to the private server of company of Unionpay, be sent to again bank card paying system, when special service number tail number that the special service number tail number that holder dials and server are recorded is consistent, carry out according to arm's length transaction, when inconsistent, transaction is carried out according to abnormal patterns, after only having bank card business dealing by password authentification request, just can start telephone cipher checking, like this, even if holder loses or grabbed mobile phone, other people maliciously dial this special service number, also only can waste telephone charge, if holder does not go up machine transaction through the regular hour, for example 10 minutes, record is eliminated, request is cancelled, holder must dial again, dial in order to prevent malice, this service should be charged, holder cancels telephone cipher service, because customization and the cancellation of service are to utilize boolean's data to control, do not need to delete the phone number of binding, as long as once bound short message notification service or telephone cipher service, system can the critical warning function of Lookup protocol or holder be unwilling to arrange telephone cipher checking, critical warning function can be set separately, after setting this function, when holder inputs any bad password, the bank card business dealing page is display password mistake no longer, but require to call, during namely with binding mobile phone, Password Input correctly but do not dial the striking resemblances of checking cell-phone number display page, like this, just can dial special service number adds a random tail number and enters abnormal patterns, in the time that holder's password is correct, directly enter transaction page and do not need telephone cipher checking, after holder sets telephone cipher, the critical warning function of telephone cipher is self-executing, holder cancels telephone cipher checking, the critical warning function of telephone cipher can not cancelled thereupon, holder need to cancel, need Stated otherwise, while just programming, handset program is set this class number of dialing can not tail number record in mobile phone, in the record of telecommunications company, program design can only show that special service number can not show tail number, tail number sends by backstage, in addition, the corresponding function such as the telephone directory of mobile phone can not be stored this class number, must be by button or the dialing of hand-written number, this modes of warning is the improvement to the service of existing bank card business dealing binding short message notification, it has become the notice afterwards of short message into the license before transaction, utilize the safety technique control financial transaction process of radiotelephone communication, and such design rule is followed in special service number and tail number encryption, because tail number only has one to two, so security is poor, therefore should in phonecard, set an auxiliary data and tail number binding, the software of recycling MD5 and so on is encrypted, what transmit is enciphered data, but special service number should send with clear data, facilitate telecommunication server identification.

Embodiment 2 and the applicable Web bank of embodiment 3 and Mobile banking or other terminals that cannot report to the police voluntarily coerce transaction, it utilizes IP address to realize, when Web bank or Mobile banking's server end monitor after the request of warning, can according to the IP address of alarm terminal and to this on-site local police station, IP address or public security bureau send the request of warning.

Embodiment 5: on the automatic teller machine of the checking such as the biometrics password of implementing fingerprint of having ready conditions, these biometrics password of fingerprint holder can not change, the password that can change manual input reaches same effect, namely finger-print cipher and input password are all correct, enter normal mode, finger-print cipher is correctly inputted password mistake and is entered abnormal patterns, and finger-print cipher mistake is to conclude the business, and the effect of other biological password and finger-print cipher are similar.

Claims

1. one kind possesses the bank card system of warning function, it is characterized in that: bank card paying system comprises Web bank, the instrument of Mobile banking or other financial transactions or system receive after alerting signal by certain technical scheme, make the hardware and software system of corresponding warning measure or other treatment measures according to corresponding situation, the bank card here comprises that virtual bank card or other have the electronic tool of similar moneytary operations or payment, the technical scheme here has an essential characteristic, the realization that is warning function at least needs two to trigger the factor, by system, thereby the factor data of these acquisitions is compared to determine whether report to the police, system synchronization starts other certain safeguard measures, what the present invention was corresponding has two kinds of technical schemes, the one, automatic alarm, the 2nd, artificial warning.

2. according to automatic alarm claimed in claim 1, it is characterized in that: what the financial transaction terminal of automatic alarm Dou Shi financial institution sent expresses alerting signal, when transaction starts, transaction personnel initiatively or by financial transaction terminals such as trend automatic teller machines transmit a signal, automatic teller machine is received this signal, could carry out normal process of exchange, after transaction initiatively finishes, transaction personnel initiatively transmit the signal of closing the transaction to automatic teller machine, after transaction abnormal ending, transaction personnel can be owing to leaving, limb actions etc. transmit the signal of closing the transaction automatically, now automatic teller machine is shut the book, need to again operate time, must again insert bank card, when the signal process regular hour of closing the transaction, this time should be arranged on operating personnel and not how far not leave, utilize card and automatic teller machine feedack, be that system senses bank card also exists, just start and report to the police, in the invalid situation of reporting to the police, start and gulp down card.

3. according to artificial warning claimed in claim 1, it is characterized in that: when bank card or financial note, everyone experiences Personal Risk or interest in property will be impaired time, mandate threatens people to carry out legal apparently financial transaction or seem the transaction without the slightest difference with arm's length transaction under the supervision that threatens people, ask the one design of police's responding simultaneously in the dark, financial transaction is divided two kinds by this design, be normal mode and abnormal patterns transaction, in authentication process itself, have at least two data or signal to participate in authentication, when the checking that these data or signal all meet arm's length transaction requires, enter normal mode, only meet the verification condition of abnormal transaction, enter abnormal patterns transaction, synchronous trigger alarm, when the two does not all meet, refusal transaction, this design automatic teller machine should be numbered etc. and to facilitate the police to locate rapidly, here the abnormal patterns of indication is also that one can trade mode, its front page layout and normal mode striking resemblances, just its remaining sum shows and can dealing money etc. exists restriction, this restriction can be set voluntarily and be revised by holder etc., in the time that the warning connection line of automatic teller machine or server interrupts, the transaction of system refusal.

4. according to automatic alarm claimed in claim 2, the feature of one of them embodiment is: it is a leverage that pin is stepped on switch, connect an iron plate that has an aperture, while not slamming, spring withstands iron plate down, aperture position is not right, photoelectric tube or other induction installations can not carry out work, after tramping with one's feet, on the position of aperture, move and aim at luminous miniature bulb, even if the upper-lower position arranging is here that spring breaks down, iron plate also can be because Action of Gravity Field causes aperture position not right, the weight of iron plate will ensure in inactive situation, its gravity can ensure that this state exists, photoelectric tube is started working, once photoelectric tube quits work, system awareness information, exit transaction page, through the regular hour, operated by rotary motion 30 seconds should be just passable, even if holder leaves, how far do not walk yet, system detects that bank card is also in automatic teller machine, start the warning such as voice or warning light, remind holder's card taking, when holder does not still have card taking, gulp down card program with regard to corresponding startup, motor operated switch is not set here, because motor operated switch is easily out of order, this design is, the device of luminous miniature bulb or photoelectric tube and so on breaks down, also be to conclude the business, only need notifying bank to process, here to note, if automatic teller machine does not have bank card, and path is connected always, system also should arrange report barrier, this design needs holder to slam.

5. according to automatic alarm claimed in claim 2, wherein the feature of another embodiment is: utilize photoelectric tube or infrared ray etc., automatic teller machine and screening canopy or machine room are obtained to a path, when holder operates, can block its path, now send transaction commencing signal, after holder leaves, path is connected, now send closing the transaction signal, if card is also in automatic teller machine, the process regular hour just enters alert program, this modelled signal sends and all automatically carries out, but the prompt facility of answering modelled signal to send, otherwise signal sends failure or equipment malfunction is unlikely to not know.

6. the artificial warning of stating according to claim 3, the feature of one of them embodiment is: by early warning cipher control value, (this value is provided by the read-write data of bank card input password, its effective value is determined by bank card password figure place, present bank card password figure place is 6, therefore this value is 1 to 6) that bit-errors of specifying and other all correct passwords be exactly early warning password, in md5 encryption, can be by cryptographic binding secondary encryption data, these secondary encryption data are provided by bank card, like this, just can obtain respectively secondary encryption data+5 password (this five-digit number is according to being exactly the five-digit number certificate of rejecting after early warning password) and secondary encryption data+6 password, they are utilized to md5 encryption, according to the uniqueness principle of MD5, two MD5 data are can be not identical, here be designated as respectively A password, B password, can enter by B password, it is exactly normal mode, can not check by B password, but can check by A password, enter exactly abnormal patterns, the two is unpassable all, it is exactly password mistake, secondary encryption data are options, if other cipher modes, also can adopt respectively 5 bit encryptions and 6 bit encryptions, obtain two passwords, here be designated as respectively A password, B password, can enter by B password, it is exactly normal mode, can not check by B password, but can check by A password, enter exactly abnormal patterns, the two is unpassable all, it is exactly password mistake, when encryption, can introduce equally secondary encryption data, early warning password can be suitable for bank card or the financial transaction based on any principle.

7. according to artificial warning claimed in claim 3, wherein the feature of another embodiment is: telephone cipher is that special service number adds tail number, it is by bank card binding telephone number, see that technically fixed line is also fine, but base inconvenience, require binding phone number, a fixing special service number is set in the whole nation, this special service number is exactly similar 119 such, then holder arranges certain tail number voluntarily, general recommendations arranges 1 to 2 tail number, setting one or two can be selected according to the memory capability of oneself by holder, set two safer, tail number is for safety, should encrypt, this special service number must add that tail number just can successfully dial, but special service number adds any effective tail number can successfully be dialed, before the each transaction of holder, must dial this requests for telephone numbers transaction, as long as connect, telecommunications company receives after communication services request, the number of dialing and time are sent to the private server of company of Unionpay, be sent to again bank card paying system, when special service number tail number that the special service number tail number that holder dials and server are recorded is consistent, carry out according to arm's length transaction, when inconsistent, transaction is carried out according to abnormal patterns, after only having bank card business dealing by password authentification request, just can start telephone cipher checking, like this, even if holder loses or grabbed mobile phone, other people maliciously dial this special service number, also only can waste telephone charge, if holder does not go up machine transaction through the regular hour, for example 10 minutes, record is eliminated, request is cancelled, holder must dial again, dial in order to prevent malice, this service should be charged, holder cancels telephone cipher service, because customization and the cancellation of service are to utilize boolean's data to control, do not need to delete the phone number of binding, as long as once bound short message notification service or telephone cipher service, system can the critical warning function of Lookup protocol or holder be unwilling to arrange telephone cipher checking, critical warning function can be set separately, after setting this function, when holder inputs any bad password, the bank card business dealing page is display password mistake no longer, but require to call, during namely with binding mobile phone, Password Input correctly but do not dial the striking resemblances of checking cell-phone number display page, like this, just can dial special service number adds a random tail number and enters abnormal patterns, in the time that holder's password is correct, directly enter transaction page and do not need telephone cipher checking, after holder sets telephone cipher, the critical warning function of telephone cipher is self-executing, holder cancels telephone cipher checking, the critical warning function of telephone cipher can not cancelled thereupon, holder need to cancel, need Stated otherwise, while just programming, handset program is set this class number of dialing can not tail number record in mobile phone, in the record of telecommunications company, program design can only show that special service number can not show tail number, tail number sends by backstage, in addition, the corresponding function such as the telephone directory of mobile phone can not be stored this class number, must be by button or the dialing of hand-written number, this modes of warning is the improvement to the service of existing bank card business dealing binding short message notification, it has become the notice afterwards of short message into the license before transaction, utilize the safety technique control financial transaction process of radiotelephone communication, and such design rule is followed in special service number and tail number encryption, because tail number only has one to two, so security is poor, therefore should in phonecard, set an auxiliary data and tail number binding, the software of recycling MD5 and so on is encrypted, what transmit is enciphered data, but special service number should send with clear data, facilitate telecommunication server identification.

8. according to artificial warning claimed in claim 3, the feature of one of them embodiment is: on the automatic teller machine of the checking such as the biometrics password of implementing fingerprint of having ready conditions, these biometrics password of fingerprint holder can not change, the password that can change manual input reaches same effect, namely finger-print cipher and input password are all correct, enter normal mode, finger-print cipher is correctly inputted password mistake and is entered abnormal patterns, finger-print cipher mistake is to conclude the business, and the effect of other biological password and finger-print cipher are similar.

9. according to claim 6, bank card and the financial transaction that is applicable to any principle claimed in claim 7, it is characterized in that: Web bank and Mobile banking or other terminals that cannot report to the police voluntarily coerce transaction, utilize IP address to realize, when Web bank or Mobile banking's server end monitor after the request of warning, can according to the IP address of alarm terminal and to this on-site local police station, IP address or public security bureau send the request of warning.