CN104143237A

CN104143237A - Bank cards with mutual control capacity

Info

Publication number: CN104143237A
Application number: CN201410162404.0A
Authority: CN
Inventors: 汪风珍
Original assignee: Individual
Current assignee: Individual
Priority date: 2014-04-22
Filing date: 2014-04-22
Publication date: 2014-11-12

Abstract

The invention discloses bank cards with mutual control capacity, and relates to a bank card use method for controlling or limiting part of functions of other band cards by one band card. A controlling bank card and controlled bank cards can be issued by different banks, so that fund security of cardholders can be still guaranteed under abnormal conditions such as password problems and the like, only a main server is required for control with adoption of the technology, the technology is compatible with different types of band cards, bank cards of different banks and teller machines, the bank cards and the teller machines are not required to be upgraded or improved, and all that is required is to modify software.

Description

Can mutual facies-controlled bank card

Technical field

The invention belongs to bank card technology.

Background technology

Vice card has part similar functions, but major-minor card is all by same issued by banks, crack the know-why of server from hacker, the difficulty that cracks two servers will be bigger than and cracks one, general hacker is also difficult to crack the server of Liang Jia bank simultaneously, from the key search function of website programming, the bank card of a people's several different banks, it is identical having a key word, it is citizenship number, and the citizenship number of China is throughout one's life constant, unique citizenship code, just can retrieve all bank cards of this people by retrieval citizenship number.

Summary of the invention

The generation of technical matters:

A: depend single password alone and be difficult to ensure that holder is in the various person and interests in property in particular cases, for example password and bank card are stolen, and present bank card is just without any having ensured;

B: the unified transaction upper limit is for low-income group, at ordinary times almost without any guaranteeing role, but that the transaction upper limit arranges is too low, while needing a neither big nor small fund, bothers again, and for high expenditure personage, fund planning is influenced again;

C: phone is reported the loss with network and reported the loss and exist defect, phone to report the loss to need holder to know card number and password, but card number is generally all long, a lot of people not necessarily remember, and sales counter is reported the loss needs I.D., and not having I.D. is also trouble;

D: the bank card stage property that various lawless persons carry out financial swindling often of " by applying for card ", but the method for the not convenient inquiry oneself of present design bank card under one's name.

technical scheme:utilizing the process of exchange of a bank card to other bank card or other to handle item controls or limits, the part item of controlling or limit need to preset, i.e. reservation is controlled, when control and the main citizenship number of controlled bank card card are inconsistent, need controlled bank card to authorize in advance, indicate control bank card number, once control successfully, only have the bank card of control to select to abandon controlling or control bank card and report the loss, control procedure just can stop, and controlled bank card can not inquire control bank card number, do not need its control bank card of control of setting in advance to need citizenship number identical with controlled bank card, control can be suitable for any bank card and virtual e-bank card or other electronic tool of currency settlement function, Web bank can adopt the restriction different with automatic teller machine or control criterion and number from financial transaction systems such as Mobile bankings, control criterion and numerical value can utilize control bank card to modify, but control bank card can not be revised the password of controlled bank card, also can not replace controlled bank card to conclude the business.

embodiment: applicant illustrates the basic process of mutual control by several embodiment below, but the protection of this technology is not limited to following embodiment, is as the criterion with claim.

Embodiment 1: transfer accounts and draw trading limit and numerical value amendment, the total transaction amount amount that for example specifies controlled bank card January is 3000 yuan, this card has 100,000 yuan of remaining sums, so, even if this card is by other people decryption, within two months, block main just realize stolen, also lose at most 6000 yuan, if main being urgently needed of card needs 10000 yuan, only need to insert to control bank card, amendment total transaction amount amount is 10000 yuan, after transaction, can be modified as again 3000 yuan of limits, transfer accounts and draw different limits also can be set, limit also can be carried out taking day as unit.

Embodiment 2: bank card business dealing site limitation or cancellation restriction, amendment restriction place, for a big chunk card holders, most of the time is to be all fixed on little region, for example, someone is fixed on Shuande work, so, just can set controlled bank card can only conclude the business on the automatic teller machine in Shuande, this function needs automatic teller machine to be numbered, automatic teller machine in a certain administrative region should be made up of common vehicle indicator section and other differentiation parts, when setting taking common vehicle indicator section as basis, the a bit similar postcode of common vehicle indicator section, in the time that holder need to arrive other places, can utilize controlled bank card amendment loco, the present situation of existing everywhere prevents from withdrawing cash.

Embodiment 3: bank card without password payment function, whether can set controlled bank card supports pay and pay numerical ceiling etc. without password without password, like this, even if magnetic card also can be inputted password and complete transaction, particularly some old old men, understand limited to automatic teller machine, even cannot operate automatic teller machine, children are not again at one's side, just can use children's bank card control father and mother's bank card, the limit that father and mother's bank card pays without password is set, and do not need button operation, preferably need phone checking, like this, the elderly only need to insert bank card, automatic teller machine will be paid the bill by the trading limit of setting, this function can with telecommunication technology combination, complete paying without password of Web bank or Mobile banking etc., for example need mobile phone checking etc.

Embodiment 4: lose bank card and report the loss and freezing of funds the auxiliary of the terminals such as automatic teller machine, holder utilizes other bank cards identical with the card owner identification card number of the bank card of losing, on automatic teller machine, input password, select freezing of funds, now, except the bank card of this insertion, whole bank card funds corresponding to other this ID (identity number) card No. are all frozen, if have a card just concludes the business on other automatic teller machine, also can exit by force, surplus capital is freezed, select after freezing of funds, can eject subwindow, show all bank card data that this ID (identity number) card No. is corresponding, comprise the bank of deposit, card number etc., but can not show fund, for safety, in card number, there are several digital hidings to show (general the 5th to the 8th of the inverse of hiding, suppose that a Heng Tong card card number is 6,223 2,213 2,264 0072, just be shown as 6,223 2213 * * * * 0072, holder inputs the sequence number corresponding to bank card of loss, this bank card fund can be reported the loss by sales counter by automatic stay for 24 hours or second day, other nonoptional bank card funds are thawed automatically, cannot report the loss if the effective identity document of holder is lost time, select to freeze without certificate, the bank card fund of freezing without certificate cannot be thawed automatically, bank aspect also cannot thaw, holder has handled after relevant identity document again, must first cancel without certificate and freezing, recycling identity document is reported the loss, this function can also be inquired about this ID (identity number) card No. owner bank card under one's name and be opened card situation.

Claims

1. the bank card using method of with a card, other cards being carried out partial function restriction or being controlled, it is characterized in that: utilize the process of exchange of a bank card to other bank card or other to handle item and control or limit, the part item of controlling or limit need to preset, i.e. reservation is controlled, when control and the main citizenship number of controlled bank card card are inconsistent, need controlled bank card to authorize in advance, indicate control bank card number, once control successfully, only have the bank card of control to select to abandon controlling or control bank card and report the loss, control procedure just can stop, and controlled bank card can not inquire control bank card number, do not need its control bank card of control of setting in advance to need citizenship number identical with controlled bank card, control can be suitable for any bank card and virtual e-bank card or other electronic tool of currency settlement function, Web bank can adopt the restriction different with automatic teller machine or control criterion and number from financial transaction systems such as Mobile bankings, control criterion and numerical value can utilize control bank card to modify, but control bank card can not be revised the password of controlled bank card, also can not replace controlled bank card to conclude the business.

2. according to reservation control claimed in claim 1, embodiment 1 is: transfer accounts and draw trading limit and numerical value amendment, the total transaction amount amount that for example specifies controlled bank card January is 3000 yuan, this card has 100,000 yuan of remaining sums, so, even if this card is by other people decryption, within two months, block main just realize stolen, also lose at most 6000 yuan, if main being urgently needed of card needs 10000 yuan, only need to insert to control bank card, amendment total transaction amount amount is 10000 yuan, after transaction, can be modified as again 3000 yuan of limits, transfer accounts and draw different limits also can be set, limit also can be carried out taking day as unit.

3. according to reservation control claimed in claim 1, embodiment 2 is: bank card business dealing site limitation or cancellation restriction, amendment restriction place, for a big chunk card holders, most of the time is to be all fixed on little region, for example, someone is fixed on Shuande work, so, just can set controlled bank card can only conclude the business on the automatic teller machine in Shuande, this function needs automatic teller machine to be numbered, automatic teller machine in a certain administrative region should be made up of common vehicle indicator section and other differentiation parts, when setting taking common vehicle indicator section as basis, the a bit similar postcode of common vehicle indicator section, in the time that holder need to arrive other places, can utilize controlled bank card amendment loco, the present situation of existing everywhere prevents from withdrawing cash.

4. according to reservation control claimed in claim 1, embodiment 3 is: bank card without password payment function, whether can set controlled bank card supports pay and pay numerical ceiling etc. without password without password, like this, even if magnetic card also can be inputted password and complete transaction, particularly some old old men, understand limited to automatic teller machine, even cannot operate automatic teller machine, children are not again at one's side, just can use children's bank card control father and mother's bank card, the limit that father and mother's bank card pays without password is set, and do not need button operation, preferably need phone checking, like this, the elderly only need to insert bank card, automatic teller machine will be paid the bill by the trading limit of setting, this function can with telecommunication technology combination, complete paying without password of Web bank or Mobile banking etc., for example need mobile phone checking etc.

5. according to instant control claimed in claim 1, embodiment is: lose bank card and report the loss and freezing of funds the auxiliary of the terminals such as automatic teller machine, holder utilizes other bank cards identical with the card owner identification card number of the bank card of losing, on automatic teller machine, input password, select freezing of funds, now, except the bank card of this insertion, whole bank card funds corresponding to other this ID (identity number) card No. are all frozen, if have a card just concludes the business on other automatic teller machine, also can exit by force, surplus capital is freezed, select after freezing of funds, can eject subwindow, show all bank card data that this ID (identity number) card No. is corresponding, comprise the bank of deposit, card number etc., but can not show fund, for safety, in card number, there are several digital hidings to show (general the 5th to the 8th of the inverse of hiding, suppose that a Heng Tong card card number is 6,223 2,213 2,264 0072, just be shown as 6,223 2213 * * * * 0072, holder inputs the sequence number corresponding to bank card of loss, this bank card fund can be reported the loss by sales counter by automatic stay for 24 hours or second day, other nonoptional bank card funds are thawed automatically, cannot report the loss if the effective identity document of holder is lost time, select to freeze without certificate, the bank card fund of freezing without certificate cannot be thawed automatically, bank aspect also cannot thaw, holder has handled after relevant identity document again, must first cancel without certificate and freezing, recycling identity document is reported the loss, this function can also be inquired about this ID (identity number) card No. owner bank card under one's name and be opened card situation.