CN104318474A - Bank card payment system having early warning function - Google Patents
Bank card payment system having early warning function Download PDFInfo
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- CN104318474A CN104318474A CN201410559820.4A CN201410559820A CN104318474A CN 104318474 A CN104318474 A CN 104318474A CN 201410559820 A CN201410559820 A CN 201410559820A CN 104318474 A CN104318474 A CN 104318474A
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Abstract
A bank card payment system having an early warning function utilizes two authentication measures to obtain at least three verification results, the three verification results correspond to three transaction modes including a normal transaction mode, an early warning transaction mode and a transaction rejection mode, and a program is designed to be that a card holder knows the operation performed in the normal transaction mode or in the early warning transaction mode, but persons next to the card holder cannot perform judgment through a transaction page, so that alarming can be completed under the situation that the persons know nothing about.
Description
Technical field
The invention belongs to bankcard network technology.
Background technology
Network there is password upside down the saying of input warning, but, this saying is unreal, if be 666666 such passwords, wouldn't be all report to the police at every turn, and alarm cipher seldom uses, the password as 596813 upside down input, when the situation is critical, also be difficult to input correct, also someone proposes to use special alarm cipher, just, alarm cipher seldom uses, want the alarm cipher that holder's memory year in year out may also not necessarily need a lifetime, such technology is possible theoretically, and practical application is just got up dying.
Summary of the invention
The origin of technical matters, a kind of warning demand is had in bank card payment process, the i.e. criminal offence of lawless person or even offender's enforcement, offender coerces holder and withdraws the money or coerce holder and say password, the situations such as this situation telephone call are not applicable, and warning holder may meet with larger injury rashly.
Concrete technical scheme: in the authentication process itself before transaction, Operation system setting needs the checking measure manually completed to have the result of three kinds or more, or have the checking measure that two kinds manually complete at least, the tandem that this two or more checking measure can arrange checking completes authentication, also can be that the coupling of data completes authentication, it can also be the comprehensive verification of the two, has the result of three kinds or more like this at least, the corresponding three kinds of trade modes of these the results, i.e. arm's length transaction pattern, early warning trade mode and refusal trade mode, and except holder other people cannot by front page layout judge be arm's length transaction pattern or early warning trade mode, when after entering early warning trade mode and have fund pay operation time, now namely backstage starts alarm operation, ask police's responding in the dark, if just inquiry business or fund are stored in operation, alarm operation can not be started, and bank card, once it is irreversible for entering early warning trade mode, can be locked into early warning trade mode, even if again by the proof scheme of arm's length transaction pattern, what enter is also early warning trade mode, and holder needs to handle releasing formality to bank counter, system needs to provide at least two kinds of proof schemes to select the default authentication scheme of oneself for holder, holder optionally arranges oneself default authentication scheme, but holder can according to the needs of oneself, the interim proof scheme provided according to this proof scheme operates, and preferred plan is that these two kinds of checking measures refer to password authentification measure and phone checking measure, in alarm design, system needs to detect the circuit of alarm call, when alarm call service interruption or by people for nipping off time, the transaction of system refusal, different automatic teller machines adopts different alarm call numbers, linked up with by the distinguishing characteristics such as the numbering of alarm call number and automatic teller machine, like this, the police can complete location fast.
Embodiment: first introduce following concept here:
1: early warning trade mode, this trade mode is got up the same with arm's length transaction pattern on the surface, but its backstage is distinct, first, can being set by holder by dealing money of it, but be also preferably set with two-decimal i.e. the amount of money exist angle and point, this number general does not arrange too little yet, allow the bank card of overdraw, setting can dealing money can free setting in the accrediting amount of bank card, but do not allow the bank card overdrawed, when being greater than the actual balance of deposits of bank card by dealing money, what show is the actual balance of deposits of bank card, do not set can dealing money time, what show is deposit number really, secondly, no matter be arm's length transaction pattern or early warning trade mode, system all arranges and enters rear first step page display remaining sum, like this, which kind of pattern what holder oneself can judge oneself to enter by remaining sum is, because the bank card remaining sum of general people to oneself still has a understanding roughly, 3rd, when enter be early warning trade mode time, system can't be reported to the police at once, only there is the operation of fund expenditure, comprise when transferring accounts and withdraw cash, system just can start the warning on backstage, local police station near this alarm call connection, but operator or automatic teller machine bystander can not discover, and do not have fund to pay other operation comprise stored in operation all can not trigger alarm.
Bank card business dealing sequence call number: sequence call number adds tail number by special service number and forms, it is by bank card binding telephone number, technically fixed line is also fine, but base is inconvenient, require binding phone number, carry out transaction by this number call sequence call number bound to preengage, the special service number that whole nation setting one is fixing, this special service number is exactly similar 119 such, then holder arranges certain tail number voluntarily, general recommendations arranges 1 to 2 tail number, set one or two tail numbers or do not set tail number and can be selected according to the memory capability of oneself by holder, set two safer, tail number is in order to safety, can encrypt, special service number does not add tail number or adds any effective tail number can successfully be dialed, during transaction, dial sequence call requests transaction, as long as connect, after telecommunications company receives communication services request, the number dialed and time are sent to the private server of company of Unionpay, be sent to bank card paying system again, system is compared to the special service number tail number that the special service number tail number dialed and holder set, thus make corresponding process, and system clawback user, the sequence call notice that this clawback just tells custom system to receive user, whether conform to irrelevant with the tail number of special service number, user receives clawback sound or SMS notification just can have been concluded the business by above machine, if holder does not go up machine transaction through the regular hour, for example 30 minutes, record is eliminated, namely request is cancelled, holder must dial again, when programming, handset program sets this kind of number dialed can not have record in mobile phone, in the record of telecommunications company, program design can not explicit reservation telephone number, only in the private server of Unionpay, there is record, in addition, the corresponding function such as the telephone directory of mobile phone can not store this kind of number, button or hand-written dial must be passed through, limit other people so to greatest extent and obtain this kind of call-information, this modes of warning is the improvement to the service of existing bank card business dealing binding short message notification, it becomes the license before transaction the notice afterwards of short message, the safety technique of radiotelephone communication is utilized to control financial transaction process, 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 an auxiliary data and tail number binding should be set in phonecard, 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, and the enciphered data of special service number and tail number should there be is the differentiation that is clear and definite.
The amendment of the phone number of sequence call number and binding, different card control function can be utilized to modify, namely insert other bank cards of same possessor, the phone number of binding is modified, but, can not modify to the sequence call number of setting, sequence call number can only arrive bank counter and modify, and, what different card control function was revised is only the phone number bound, the default identity proof scheme of holder's setting can not be changed, such as, phone checking is not carried out in holder's setting, the phone number of binding can successfully be revised, reserve requests is sent with this phone number, actual perform or interim proof scheme, proof scheme needs holder to change to bank counter.
Default identity proof scheme and temporary identity proof scheme, system at least arranges two cover authentication schemes and selects for holder, each authentication scheme has default authentication scheme and interim proof scheme, and the default authentication scheme that the temporary identity proof scheme of enabling and groups of people are using is very approximate, like this, other talents can not perceive exception, and preferably two cover authentication schemes are 1: phone checking and password authentification, 2: password authentification.
Embodiment 1: program design two kinds of authentication schemes are selected for holder, 1: phone and password authentification, 2: password authentification, but, the transaction page of two kinds of authentications is living, holder selects authentication scheme to be generally carry out to bank counter, the authentication request of system background program to transaction carries out background process, when phone and password authentification, in order to save space, the telephone number of this instructions indication all refers to the phone number that holder binds, and in order to save the stand-by period of automatic teller machine, the checking of program design phone is front:
1: the default authentication scheme of phone and password authentification:
A: set consistent of sequence call number and holder and password is correct time, enter arm's length transaction pattern;
B: sequence call number and holder setting inconsistent but password is correct time, enter early warning trade mode;
C:: set consistent of sequence call number and holder but code error time, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, be generally input proper password within three times, enter arm's length transaction pattern, exceed number of times restriction input password, then pintle hook lock
D: during the inconsistent and code error that sequence call number and holder set, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, be generally input proper password within three times, enter early warning trade mode, exceed number of times restriction input password, then pintle hook lock
2: the interim proof scheme of phone and password authentification:
A: do not dial sequence call, input proper password, enters early warning trade mode;
B: do not dial sequence call, input error password is exactly code error, enters refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, be generally input proper password within three times, enter early warning trade mode, exceed number of times restriction input password, then pintle hook lock
3: the default authentication scheme of password authentification:
A: password is correct, enters arm's length transaction pattern;
B: code error, enters refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, be generally input proper password within three times, enter arm's length transaction pattern, exceed number of times restriction input password, then pintle hook lock
4: the interim proof scheme of password authentification:
A: set consistent of sequence call number and holder and password is correct time, enter arm's length transaction pattern;
B: sequence call number and holder setting inconsistent but password is correct time, enter early warning trade mode;
C: set consistent of sequence call number and holder but code error time, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, generally input proper password within three times, enter arm's length transaction pattern, exceed number of times restriction input password, then pintle hook lock;
D: during the inconsistent and code error that sequence call number and holder set, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, generally input proper password within three times, enter early warning trade mode, exceed number of times restriction input password, then pintle hook lock.
Process analysis, program will design holder knows fairly well, but bystander can not find out weak point, otherwise cannot play alarm function, this design proposal has a shortcoming, be exactly when only carrying out password authentification, if the other side does not allow to carry out sequence call checking, just have no idea to report to the police, but, this proof scheme due to the interim proof scheme entered with the early warning trade mode of phone and password authentification similar, the other side is difficult to know have alarm free.
Embodiment 2: embodiment 2 and embodiment 1 similar, there are some difference unlike phone and the temporary identity proof scheme of password authentification and the default authentication scheme of password authentification, program design two kinds of authentication schemes are selected for holder, 1: phone and password authentification, 2: password authentification, but, the transaction page of two kinds of authentications is living, holder selects authentication scheme to be generally carry out to bank counter, the authentication request of system background program to transaction carries out background process, in order to save the stand-by period of automatic teller machine, the checking of program design phone is front, but phone also can be selected to verify rear:
1: the default authentication scheme of phone and password authentification:
A: set consistent of sequence call number and holder and password is correct time, enter arm's length transaction pattern,
B: sequence call number and holder setting inconsistent but password is correct time, enter early warning trade mode,
C: set consistent of sequence call number and holder but code error time, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, be generally input proper password within three times, enter arm's length transaction pattern, exceed number of times restriction input password, then pintle hook lock
D: during the inconsistent and code error that sequence call number and holder set, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, be generally input proper password within three times, enter early warning trade mode, exceed number of times restriction input password, then pintle hook lock
2: the interim proof scheme of phone and password authentification:
A: do not dial sequence call, input proper password, computer controlled dials sequence call, if sequence call is correct, enter arm's length transaction pattern, sequence call is incorrect, enters early warning trade mode;
B: do not dial sequence call, input error password, but prompting is need to dial sequence call, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, be generally input proper password within three times, then dial sequence call, if sequence call is correct, enter arm's length transaction pattern, if sequence call is incorrect, enter early warning trade mode, exceed number of times restriction input password, then pintle hook lock
3: the default authentication scheme of password authentification:
A: password is correct, enters arm's length transaction pattern;
B: code error, sequence call is dialed in prompting, if now dial sequence call, and input correct password, no matter sequence call correctness, be all enter modes of warning, by existing three pintle hook locks design, have the chance entering early warning trade mode for twice, if not dial sequence call, continue input password, similar with current proof scheme, if within the restriction of certain number of times, generally input proper password within three times, enter arm's length transaction pattern, exceed number of times restriction input password, then pintle hook lock;
2: the interim proof scheme of password authentification:
A: set consistent of sequence call number and holder and password is correct time, enter arm's length transaction pattern;
B: sequence call number and holder setting inconsistent but password is correct time, enter early warning trade mode;
C: set consistent of sequence call number and holder but code error time, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, generally input proper password within three times, enter arm's length transaction pattern, exceed number of times restriction input password, then pintle hook lock;
D: during the inconsistent and code error that sequence call number and holder set, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, generally input proper password within three times, enter early warning trade mode, exceed number of times restriction input password, then pintle hook lock.
As can be seen from the above-described embodiment, key of the present invention is exactly that can to tell what enter be arm's length transaction pattern or early warning trade mode to holder itself, but, bystander but cannot find out, namely system needs three kinds of the results at least, the corresponding arm's length transaction pattern of these the results and early warning trade mode can only be that holder knows fairly well, and current password authentification only provides two kinds of the results, namely password is correct or incorrect, also can only corresponding two kinds of patterns, be exactly allow transaction and refusal transaction, the third pattern cannot be provided, every the result that three kinds or more is provided, thus corresponding three kinds of trade modes, comprising early warning trade mode, thus reach warning effect, an embodiment of this patent can be regarded as, all within protection scope of the present invention.
Claims (7)
1. the early warning system in a bank card business dealing process, it is characterized in that: in the authentication process itself before transaction, Operation system setting needs the checking measure manually completed to have the result of three kinds or more, the corresponding three kinds of trade modes of these the results, i.e. arm's length transaction pattern, early warning trade mode and refusal trade mode, and except holder other people cannot by front page layout judge be arm's length transaction pattern or early warning trade mode, when after entering early warning trade mode and have fund pay operation time, now namely backstage starts alarm operation, ask police's responding in the dark, and bank card is once it is irreversible for entering early warning trade mode, and holder needs to handle releasing formality to bank counter, system needs to provide at least two kinds of proof schemes to select the default authentication scheme of oneself for holder, holder optionally arranges oneself default authentication scheme, but holder can according to the needs of oneself, the interim proof scheme provided according to this proof scheme operates, preferred plan is that these two kinds of checking measures refer to password authentification measure and phone checking measure, and holder can revise the phone number of binding voluntarily but can not revise sequence call number, in alarm design, system needs to detect the circuit of alarm call, when alarm call service interruption or by people for nipping off time, the transaction of system refusal, different automatic teller machines adopts different alarm call numbers, linked up with by the distinguishing characteristics such as the numbering of alarm call number and automatic teller machine, like this, the police can complete location fast.
2. according to bank card early warning system according to claim 1, described early warning trade mode is characterized in that: this trade mode is got up the same with arm's length transaction pattern on the surface, but its backstage is distinct:
1: it can select setting by holder by dealing money, but be also preferably set with two-decimal i.e. the amount of money exist angle and point;
2:: no matter be arm's length transaction pattern or early warning trade mode, system all can arrange and enter rear first step page display remaining sum;
3:: after entering early warning trade mode, only have the operation of fund expenditure, system just can start the warning on backstage, the local police station near this alarm call connection, but operator or automatic teller machine bystander can not discover.
3. according to bank card early warning system according to claim 1, the described phone number revising binding voluntarily, it is characterized in that: utilize different card control function to modify, namely insert other bank cards of same bank card possessor, the phone number of binding is modified, but, can not modify to the sequence call number of setting, sequence call number can only arrive bank counter and modify, and, what different card control function was revised is only the phone number bound, and can not change the default identity proof scheme of holder's setting.
4. according to bank card early warning system according to claim 1, described phone checking measure is characterized in that: bank card binding telephone number, conveniently operate, require binding phone number, phone checking is completed again by bank card business dealing sequence call number, sequence call number adds tail number by special service number and forms, dial sequence call number by the phone number bound and carry out transaction reservation, the special service number that whole nation setting one is fixing, this special service number is exactly similar 119 such, then holder arranges certain tail number voluntarily, suggestion arranges 1 to 2 tail number, tail number is in order to safety, can encrypt, special service number does not add tail number or adds any effective tail number can successfully be dialed, during transaction, dial sequence call requests transaction, as long as connect, after telecommunications company receives communication services request, the number dialed and time are sent to the private server of company of Unionpay, be sent to bank card paying system again, system is compared to the special service number tail number that the special service number tail number dialed and holder set, thus make corresponding process, and system clawback user, the sequence call notice that this clawback just tells custom system to receive user, whether conform to irrelevant with the tail number of special service number, user receives clawback sound or SMS notification just can have been concluded the business by above machine, if holder does not go up machine transaction through the regular hour, for example 30 minutes, record is eliminated, namely request is cancelled, holder must dial again, when programming, handset program sets this kind of number dialed can not have record in mobile phone, in the record of telecommunications company, program design can not explicit reservation telephone number, only in the private server of Unionpay, there is record, in addition, the corresponding function such as the telephone directory of mobile phone can not store this kind of number, button or hand-written dial must be passed through, limit other people so to greatest extent and obtain this kind of call-information.
5. according to bank card early warning system according to claim 1, described authentication scheme is characterized in that, authentication has two kinds of proof schemes, 1: phone checking and password authentification, 2: password authentification, these two kinds of proof schemes have default authentication scheme and interim proof scheme, and holder can select a kind of proof scheme wherein, and the change of proof scheme needs to carry out to bank counter.
6. according to authentication scheme according to claim 5, described 1: phone checking and password authentification and 2: password authentification is characterized in that, the transaction page of two kinds of authentications is living, holder selects authentication scheme to carry out to bank counter, the authentication request of system background program to transaction carries out background process, when phone and password authentification, the telephone number of indication all refers to the phone number that holder binds, in order to save the stand-by period of automatic teller machine, the checking of program design phone is front:
1: the default authentication scheme of phone and password authentification:
A: set consistent of sequence call number and holder and password is correct time, enter arm's length transaction pattern;
B: sequence call number and holder setting inconsistent but password is correct time, enter early warning trade mode;
C: set consistent of sequence call number and holder but code error time, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, generally input proper password within three times, enter arm's length transaction pattern, exceed number of times restriction input password, then pintle hook lock;
D:: during the inconsistent and code error that sequence call number and holder set, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, be generally input proper password within three times, enter early warning trade mode, exceed number of times restriction input password, then pintle hook lock
2: the interim proof scheme of phone and password authentification:
A: do not dial sequence call, input proper password, enters early warning trade mode;
B: do not dial sequence call, input error password is exactly code error, enters refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, be generally input proper password within three times, enter early warning trade mode, exceed number of times restriction input password, then pintle hook lock
3: the default authentication scheme of password authentification:
A: password is correct, enters arm's length transaction pattern;
B: code error, enters refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, be generally input proper password within three times, enter arm's length transaction pattern, exceed number of times restriction input password, then pintle hook lock
4: the interim proof scheme of password authentification:
A: set consistent of sequence call number and holder and password is correct time, enter arm's length transaction pattern;
B: sequence call number and holder setting inconsistent but password is correct time, enter early warning trade mode;
C: set consistent of sequence call number and holder but code error time, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, generally input proper password within three times, enter arm's length transaction pattern, exceed number of times restriction input password, then pintle hook lock;
D: during the inconsistent and code error that sequence call number and holder set, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, generally input proper password within three times, enter early warning trade mode, exceed number of times restriction input password, then pintle hook lock.
7. according to authentication scheme according to claim 5, described 1: phone checking and password authentification and 2: password authentification is characterized in that, the transaction page of two kinds of authentications is living, holder selects authentication scheme to be generally carry out to bank counter, the authentication request of system background program to transaction carries out background process, in order to save the stand-by period of automatic teller machine, the checking of program design phone front, but also can select phone to verify rear:
1: the default authentication scheme of phone and password authentification:
A: set consistent of sequence call number and holder and password is correct time, enter arm's length transaction pattern,
B: sequence call number and holder setting inconsistent but password is correct time, enter early warning trade mode,
C: set consistent of sequence call number and holder but code error time, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, be generally input proper password within three times, enter arm's length transaction pattern, exceed number of times restriction input password, then pintle hook lock
D: during the inconsistent and code error that sequence call number and holder set, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, be generally input proper password within three times, enter early warning trade mode, exceed number of times restriction input password, then pintle hook lock
2: the interim proof scheme of phone and password authentification:
A: do not dial sequence call, input proper password, computer controlled dials sequence call, if sequence call is correct, enter arm's length transaction pattern, sequence call is incorrect, enters early warning trade mode;
B: do not dial sequence call, input error password, but prompting is need to dial sequence call, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, be generally input proper password within three times, then dial sequence call, if sequence call is correct, enter arm's length transaction pattern, if sequence call is incorrect, enter early warning trade mode, exceed number of times restriction input password, then pintle hook lock
3: the default authentication scheme of password authentification:
A: password is correct, enters arm's length transaction pattern;
B: code error, sequence call is dialed in prompting, if now dial sequence call, and input correct password, no matter sequence call correctness, be all enter modes of warning, by existing three pintle hook locks design, have the chance entering early warning trade mode for twice, if not dial sequence call, continue input password, similar with current proof scheme, if within the restriction of certain number of times, generally input proper password within three times, enter arm's length transaction pattern, exceed number of times restriction input password, then pintle hook lock;
2: the interim proof scheme of password authentification:
A: set consistent of sequence call number and holder and password is correct time, enter arm's length transaction pattern;
B: sequence call number and holder setting inconsistent but password is correct time, enter early warning trade mode;
C: set consistent of sequence call number and holder but code error time, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, generally input proper password within three times, enter arm's length transaction pattern, exceed number of times restriction input password, then pintle hook lock;
D: during the inconsistent and code error that sequence call number and holder set, it is exactly code error, enter refusal trade mode, continuation input password, similar with current proof scheme, if within the restriction of certain number of times, generally input proper password within three times, enter early warning trade mode, exceed number of times restriction input password, then pintle hook lock.
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Application publication date: 20150128 |