CN105550873A - Device and method of controlling bank card trading behavior - Google Patents
Device and method of controlling bank card trading behavior Download PDFInfo
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- CN105550873A CN105550873A CN201510875436.XA CN201510875436A CN105550873A CN 105550873 A CN105550873 A CN 105550873A CN 201510875436 A CN201510875436 A CN 201510875436A CN 105550873 A CN105550873 A CN 105550873A
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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Abstract
The present invention discloses a device for controlling a bank card trading behavior. The device comprises: a transaction information obtaining module configured to obtain the trading information with respect to the trading behavior when the bank card is participated in the trading behavior; a position determination module configured to determine the position where the trading behavior is located according to the trading information; a comparison module configured to compare the position of the trading behavior with the position of the user of the recorded bank card; and a control module configured to determine whether the trading behavior is prohibited or not according to the comparison result. According to the invention, when a user brushes a bank card, the position information of brushing the bank card and the position information of the stored user are compared to determine whether the trading is carried out or not, so that the device and method of controlling bank card trading behavior provide a simple and easy antitheft measure for the bank card without extra hardware expenditure.
Description
Technical field
The present invention relates to electronic technology field, particularly relate to a kind of bank card business dealing Behavior-Based control apparatus and method.
Background technology
Universal along with expanding economy and bank card, bank card user bankcard consumption is more and more common, and the shortage that the safety card knowledge of bank card user is relative.
Bank card is stolen brush phenomenon and is again and again occurred, and bank takes precautions against weak for robber's brush, substantially can only cultivate the good use habit of user now to the generation avoiding bank card to steal brush.Although but the outreach card safety repeatedly such as bank, banking regulator, media, bank card is stolen brush phenomenon and is growing on and on.
Therefore, how to ensure that the safety of bank card has just become an important problem.
Summary of the invention
Fundamental purpose of the present invention is to propose a kind of bank card business dealing Behavior-Based control apparatus and method, is intended to solve the problem how avoiding the stolen brush of bank card.
For achieving the above object, a kind of bank card business dealing Behavior-Based control device provided by the invention, comprising: Transaction Information acquisition module, for when bank card participates in business behavior, obtains the Transaction Information that described trading activity is corresponding; Position determination module, for according to described Transaction Information, determines the position at described trading activity place; Comparison module, for comparing the position of the position at described trading activity place with the user of the described bank card recorded; Control module, for according to comparative result, determines whether to forbid that described trading activity is carried out.
Alternatively, aforesaid bank card business dealing Behavior-Based control device, described Transaction Information comprises the numbering of transaction terminal corresponding to described trading activity, businessman and/or IP address; Described position determination module, according to the numbering of described transaction terminal, inquires the position of position as described trading activity place of described transaction terminal; And/or described position determination module is according to the businessman of described transaction terminal, the position at trading activity place described in the place, position inquiring described businessman place; And/or described position determination module is according to the IP address of described transaction terminal, inquire the position of physical address corresponding to described IP address as described trading activity.
Alternatively, aforesaid bank card business dealing Behavior-Based control device, described control module described comparative result and pre-conditioned be not inconsistent time, information is sent to described user, so that described trading activity is prompted to described user, and receive the instruction that described user sends, determine whether to forbid described trading activity according to described instruction.
Alternatively, aforesaid bank card business dealing Behavior-Based control device, describedly pre-conditionedly be positioned at the same area for the position at described trading activity place and the position of described user, or the distance between the position at described trading activity place and the position of described user is no more than predeterminable range threshold value.
Alternatively, aforesaid bank card business dealing Behavior-Based control device, also comprises: position arranges module, for the locating information sent according to the mobile terminal of described user, arranges the position of described user.
For achieving the above object, present invention also offers a kind of bank card business dealing Behavior-Based control method, comprising: when bank card participates in business behavior, obtain the Transaction Information that described trading activity is corresponding; According to described Transaction Information, determine the position at described trading activity place; The position of the position at described trading activity place with the user of the described bank card recorded is compared; According to comparative result, determine whether to forbid that described trading activity is carried out.
Alternatively, aforesaid bank card business dealing Behavior-Based control method, described Transaction Information comprises the numbering of transaction terminal corresponding to described trading activity, businessman and/or IP address; According to described Transaction Information, determine the position at described trading activity place, specifically comprise: according to the numbering of described transaction terminal, inquire the position of position as described trading activity place of described transaction terminal; And/or according to the businessman of described transaction terminal, the position at trading activity place described in the place, position inquiring described businessman place; And/or according to the IP address of described transaction terminal, inquire the position of physical address corresponding to described IP address as described trading activity.
Alternatively, aforesaid bank card business dealing Behavior-Based control method, according to comparative result, determine whether to forbid that described trading activity is carried out, specifically comprise: described comparative result and pre-conditioned be not inconsistent time, send information to described user, so that described trading activity is prompted to described user; Receive the instruction that described user sends, determine whether to forbid described trading activity according to described instruction.
Alternatively, aforesaid bank card business dealing Behavior-Based control method, describedly pre-conditionedly be positioned at the same area for the position at described trading activity place and the position of described user, or the distance between the position at described trading activity place and the position of described user is no more than predeterminable range threshold value.
Alternatively, aforesaid bank card business dealing Behavior-Based control method, also comprises: the locating information sent according to the mobile terminal of described user, arranges the position of described user.
According to above technical scheme, known bank card business dealing Behavior-Based control apparatus and method of the present invention at least have the following advantages:
According to technical scheme of the present invention, obtain the positional information of user and preserve, when bank card swipes the card behavior, the positional information of transaction of swiping the card being contrasted with it, judging whether to allow transaction to carry out; By when user card punching, the positional information of the positional information of swiping the card with the user preserved being contrasted, then determine deal and whether carry out, making the present invention when not increasing hardware spending, for bank card provides a kind of simple anti-theft measure.
Accompanying drawing explanation
Fig. 1 is the hardware configuration schematic diagram realizing each embodiment of the present invention optional mobile terminal;
Fig. 2 is the wireless communication system schematic diagram of mobile terminal as shown in Figure 1;
Fig. 3 is the block diagram of bank card business dealing Behavior-Based control device according to an embodiment of the invention;
Fig. 4 is the block diagram of bank card business dealing Behavior-Based control device according to an embodiment of the invention;
Fig. 5 is the workflow diagram of bank card business dealing Behavior-Based control device according to an embodiment of the invention;
Fig. 6 is the process flow diagram of bank card business dealing Behavior-Based control method according to an embodiment of the invention;
Fig. 7 is the process flow diagram of bank card business dealing Behavior-Based control method according to an embodiment of the invention.
The realization of the object of the invention, functional characteristics and advantage will in conjunction with the embodiments, are described further with reference to accompanying drawing.
Embodiment
Should be appreciated that specific embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
The mobile terminal realizing each embodiment of the present invention is described referring now to accompanying drawing.In follow-up description, use the suffix of such as " module ", " parts " or " unit " for representing element only in order to be conducive to explanation of the present invention, itself is specific meaning not.Therefore, " module " and " parts " can mixedly use.
Mobile terminal can be implemented in a variety of manners.Such as, the terminal described in the present invention can comprise the such as mobile terminal of mobile phone, smart phone, notebook computer, digit broadcasting receiver, PDA (personal digital assistant), PAD (panel computer), PMP (portable media player), guider etc. and the fixed terminal of such as digital TV, desk-top computer etc.Below, suppose that terminal is mobile terminal.But it will be appreciated by those skilled in the art that except the element except being used in particular for mobile object, structure according to the embodiment of the present invention also can be applied to the terminal of fixed type.
Fig. 1 is the hardware configuration schematic diagram that can realize each embodiment of the present invention optional mobile terminal.
Mobile terminal 100 can comprise wireless communication unit 110, A/V (audio/video) input block 120, user input unit 130, output unit 150, storer 160, interface unit 170, controller 180 and power supply unit 190 etc.Fig. 1 shows the mobile terminal with various assembly, it should be understood that, does not require to implement all assemblies illustrated.Can alternatively implement more or less assembly.Will be discussed in more detail below the element of mobile terminal.
Wireless communication unit 110 generally includes one or more assembly, and it allows the wireless communication between mobile terminal 100 and wireless communication system or network.Such as, wireless communication unit can comprise at least one in broadcast reception module 111, mobile communication module 112, wireless Internet module 113, short range communication module 114 and positional information module 115.
Broadcast reception module 111 via broadcast channel from external broadcasting management server receiving broadcast signal and/or broadcast related information.Broadcast channel can comprise satellite channel and/or terrestrial channel.Broadcast management server can be generate and send the server of broadcast singal and/or broadcast related information or the broadcast singal generated before receiving and/or broadcast related information and send it to the server of terminal.Broadcast singal can comprise TV broadcast singal, radio signals, data broadcasting signal etc.And broadcast singal may further include the broadcast singal combined with TV or radio signals.Broadcast related information also can provide via mobile communications network, and in this case, broadcast related information can be received by mobile communication module 112.Broadcast singal can exist in a variety of manners, such as, it can exist with the form of the electronic service guidebooks (ESG) of the electronic program guides of DMB (DMB) (EPG), digital video broadcast-handheld (DVB-H) etc.Broadcast reception module 111 can by using the broadcast of various types of broadcast system Received signal strength.Especially, broadcast reception module 111 can by using such as multimedia broadcasting-ground (DMB-T), DMB-satellite (DMB-S), digital video broadcasting-hand-held (DVB-H), forward link media (MediaFLO
) Radio Data System, received terrestrial digital broadcasting integrated service (ISDB-T) etc. digit broadcasting system receive digital broadcasting.Broadcast reception module 111 can be constructed to be applicable to providing the various broadcast system of broadcast singal and above-mentioned digit broadcasting system.The broadcast singal received via broadcast reception module 111 and/or broadcast related information can be stored in storer 160 (or storage medium of other type).
Radio signal is sent at least one in base station (such as, access point, Node B etc.), exterior terminal and server and/or receives radio signals from it by mobile communication module 112.Various types of data that such radio signal can comprise voice call signal, video calling signal or send according to text and/or Multimedia Message and/or receive.
Wireless Internet module 113 supports the Wi-Fi (Wireless Internet Access) of mobile terminal.This module can be inner or be externally couple to terminal.Wi-Fi (Wireless Internet Access) technology involved by this module can comprise WLAN (WLAN) (Wi-Fi), Wibro (WiMAX), Wimax (worldwide interoperability for microwave access), HSDPA (high-speed downlink packet access) etc.
Short range communication module 114 is the modules for supporting junction service.Some examples of short-range communication technology comprise bluetooth
tM, radio-frequency (RF) identification (RFID), Infrared Data Association (IrDA), ultra broadband (UWB), purple honeybee
tMetc..
Positional information module 115 is the modules of positional information for checking or obtain mobile terminal.The typical case of positional information module is GPS (GPS).According to current technology, GPS module 115 calculates from the range information of three or more satellite and correct time information and for the Information application triangulation calculated, thus calculates three-dimensional current location information according to longitude, latitude and pin-point accuracy.Current, the method for calculating position and temporal information uses three satellites and by using the error of the position that goes out of an other satellite correction calculation and temporal information.In addition, GPS module 115 can carry out computing velocity information by Continuous plus current location information in real time.
A/V input block 120 is for audio reception or vision signal.A/V input block 120 can comprise camera 121 and microphone 1220, and the view data of camera 121 to the static images obtained by image capture apparatus in Video Capture pattern or image capture mode or video processes.Picture frame after process may be displayed on display unit 151.Picture frame after camera 121 processes can be stored in storer 160 (or other storage medium) or via wireless communication unit 110 and send, and can provide two or more cameras 1210 according to the structure of mobile terminal.Such acoustic processing can via microphones sound (voice data) in telephone calling model, logging mode, speech recognition mode etc. operational mode, and can be voice data by microphone 122.Audio frequency (voice) data after process can be converted to the formatted output that can be sent to mobile communication base station via mobile communication module 112 when telephone calling model.Microphone 122 can be implemented various types of noise and eliminate (or suppress) algorithm and receiving and sending to eliminate (or suppression) noise or interference that produce in the process of sound signal.
User input unit 130 can generate key input data to control the various operations of mobile terminal according to the order of user's input.User input unit 130 allows user to input various types of information, and keyboard, the young sheet of pot, touch pad (such as, detecting the touch-sensitive assembly of the change of the resistance, pressure, electric capacity etc. that cause owing to being touched), roller, rocking bar etc. can be comprised.Especially, when touch pad is superimposed upon on display unit 151 as a layer, touch-screen can be formed.
Interface unit 170 is used as at least one external device (ED) and is connected the interface that can pass through with mobile terminal 100.Such as, external device (ED) can comprise wired or wireless head-band earphone port, external power source (or battery charger) port, wired or wireless FPDP, memory card port, for connecting the port, audio frequency I/O (I/O) port, video i/o port, ear port etc. of the device with identification module.Identification module can be that storage uses the various information of mobile terminal 100 for authentication of users and can comprise subscriber identification module (UIM), client identification module (SIM), Universal Subscriber identification module (USIM) etc.In addition, the device (hereinafter referred to " recognition device ") with identification module can take the form of smart card, and therefore, recognition device can be connected with mobile terminal 100 via port or other coupling arrangement.Interface unit 170 may be used for receive from external device (ED) input (such as, data message, electric power etc.) and the input received be transferred to the one or more element in mobile terminal 100 or may be used for transmitting data between mobile terminal and external device (ED).
In addition, when mobile terminal 100 is connected with external base, interface unit 170 can be used as to allow by it electric power to be provided to the path of mobile terminal 100 from base or can be used as the path that allows to be transferred to mobile terminal by it from the various command signals of base input.The various command signal inputted from base or electric power can be used as and identify whether mobile terminal is arranged on the signal base exactly.Output unit 150 is constructed to provide output signal (such as, sound signal, vision signal, alarm signal, vibration signal etc.) with vision, audio frequency and/or tactile manner.Output unit 150 can comprise display unit 151, dio Output Modules 152, alarm unit 153 etc.
Display unit 151 may be displayed on the information of process in mobile terminal 100.Such as, when mobile terminal 100 is in telephone calling model, display unit 151 can show with call or other communicate (such as, text messaging, multimedia file are downloaded etc.) be correlated with user interface (UI) or graphic user interface (GUI).When mobile terminal 100 is in video calling pattern or image capture mode, display unit 151 can the image of display capture and/or the image of reception, UI or GUI that video or image and correlation function are shown etc.
Meanwhile, when display unit 151 and touch pad as a layer superposed on one another to form touch-screen time, display unit 151 can be used as input media and output unit.Display unit 151 can comprise at least one in liquid crystal display (LCD), thin film transistor (TFT) LCD (TFT-LCD), Organic Light Emitting Diode (OLED) display, flexible display, three-dimensional (3D) display etc.Some in these displays can be constructed to transparence and watch from outside to allow user, and this can be called transparent display, and typical transparent display can be such as TOLED (transparent organic light emitting diode) display etc.According to the specific embodiment wanted, mobile terminal 100 can comprise two or more display units (or other display device), such as, mobile terminal can comprise outernal display unit (not shown) and inner display unit (not shown).Touch-screen can be used for detecting touch input pressure and touch input position and touch and inputs area.
When dio Output Modules 152 can be under the isotypes such as call signal receiving mode, call mode, logging mode, speech recognition mode, broadcast reception mode at mobile terminal, voice data convert audio signals that is that wireless communication unit 110 is received or that store in storer 160 and exporting as sound.And dio Output Modules 152 can provide the audio frequency relevant to the specific function that mobile terminal 100 performs to export (such as, call signal receives sound, message sink sound etc.).Dio Output Modules 152 can comprise loudspeaker, hummer etc.
Alarm unit 153 can provide and export that event informed to mobile terminal 100.Typical event can comprise calling reception, message sink, key signals input, touch input etc.Except audio or video exports, alarm unit 153 can provide in a different manner and export with the generation of notification event.Such as, alarm unit 153 can provide output with the form of vibration, when receive calling, message or some other enter communication (incomingcommunication) time, alarm unit 153 can provide sense of touch to export (that is, vibrating) to notify to user.By providing such sense of touch to export, even if when the mobile phone of user is in the pocket of user, user also can identify the generation of various event.Alarm unit 153 also can provide the output of the generation of notification event via display unit 151 or dio Output Modules 152.
Storer 160 software program that can store process and the control operation performed by controller 180 etc., or temporarily can store oneself through exporting the data (such as, telephone directory, message, still image, video etc.) that maybe will export.And, storer 160 can store about when touch be applied to touch-screen time the vibration of various modes that exports and the data of sound signal.
Storer 160 can comprise the storage medium of at least one type, described storage medium comprises flash memory, hard disk, multimedia card, card-type storer (such as, SD or DX storer etc.), random access storage device (RAM), static random-access memory (SRAM), ROM (read-only memory) (ROM), Electrically Erasable Read Only Memory (EEPROM), programmable read only memory (PROM), magnetic storage, disk, CD etc.And mobile terminal 100 can be connected the memory function of execute store 160 network storage device with by network cooperates.
Controller 180 controls the overall operation of mobile terminal usually.Such as, controller 180 performs the control relevant to voice call, data communication, video calling etc. and process.In addition, controller 180 can comprise the multi-media module 1810 for reproducing (or playback) multi-medium data, and multi-media module 1810 can be configured in controller 180, or can be configured to be separated with controller 180.Controller 180 can pattern recognition process, is identified as character or image so that input is drawn in the handwriting input performed on the touchscreen or picture.
Power supply unit 190 receives external power or internal power and provides each element of operation and the suitable electric power needed for assembly under the control of controller 180.
Various embodiment described herein can to use such as computer software, the computer-readable medium of hardware or its any combination implements.For hardware implementation, embodiment described herein can by using application-specific IC (ASIC), digital signal processor (DSP), digital signal processing device (DSPD), programmable logic device (PLD), field programmable gate array (FPGA), processor, controller, microcontroller, microprocessor, being designed at least one performed in the electronic unit of function described herein and implementing, in some cases, such embodiment can be implemented in controller 180.For implement software, the embodiment of such as process or function can be implemented with allowing the independent software module performing at least one function or operation.Software code can be implemented by the software application (or program) write with any suitable programming language, and software code can be stored in storer 160 and to be performed by controller 180.
So far, oneself is through the mobile terminal according to its functional description.Below, for the sake of brevity, by the slide type mobile terminal that describes in various types of mobile terminals of such as folded form, board-type, oscillating-type, slide type mobile terminal etc. exemplarily.Therefore, the present invention can be applied to the mobile terminal of any type, and is not limited to slide type mobile terminal.
Mobile terminal 100 as shown in Figure 1 can be constructed to utilize and send the such as wired and wireless communication system of data via frame or grouping and satellite-based communication system operates.
Describe wherein according to the communication system that mobile terminal of the present invention can operate referring now to Fig. 2.
Such communication system can use different air interfaces and/or Physical layer.Such as, the air interface used by communication system comprises such as frequency division multiple access (FDMA), time division multiple access (TDMA) (TDMA), CDMA (CDMA) and universal mobile telecommunications system (UMTS) (especially, Long Term Evolution (LTE)), global system for mobile communications (GSM) etc.As non-limiting example, description below relates to cdma communication system, but such instruction is equally applicable to the system of other type.
With reference to figure 2, cdma wireless communication system can comprise multiple mobile terminal 100, multiple base station (BS) 270, base station controller (BSC) 275 and mobile switching centre (MSC) 280.MSC280 is constructed to form interface with Public Switched Telephony Network (PSTN) 290.MSC280 is also constructed to form interface with the BSC275 that can be couple to base station 270 via back haul link.Back haul link can construct according to any one in some interfaces that oneself knows, described interface comprises such as E1/T1, ATM, IP, PPP, frame relay, HDSL, ADSL or xDSL.Will be appreciated that system as shown in Figure 2 can comprise multiple BSC2750.
Each BS270 can serve one or more subregion (or region), by multidirectional antenna or point to specific direction each subregion of antenna cover radially away from BS270.Or each subregion can by two or more antenna covers for diversity reception.Each BS270 can be constructed to support multiple parallel compensate, and each parallel compensate has specific frequency spectrum (such as, 1.25MHz, 5MHz etc.).
Subregion can be called as CDMA Channel with intersecting of parallel compensate.BS270 also can be called as base station transceiver subsystem (BTS) or other equivalent terms.Under these circumstances, term " base station " may be used for broadly representing single BSC275 and at least one BS270.Base station also can be called as " cellular station ".Or each subregion of particular B S270 can be called as multiple cellular station.
As shown in Figure 2, broadcast singal is sent to the mobile terminal 100 at operate within systems by broadcsting transmitter (BT) 295.Broadcast reception module 111 as shown in Figure 1 is arranged on mobile terminal 100 and sentences the broadcast singal receiving and sent by BT295.In fig. 2, several GPS (GPS) satellite 300 is shown.Satellite 300 helps at least one in the multiple mobile terminal 100 in location.
In fig. 2, depict multiple satellite 300, but understand, the satellite of any number can be utilized to obtain useful locating information.GPS module 115 as shown in Figure 1 is constructed to coordinate to obtain the locating information wanted with satellite 300 usually.Substitute GPS tracking technique or outside GPS tracking technique, can use can other technology of position of tracking mobile terminal.In addition, at least one gps satellite 300 optionally or extraly can process satellite dmb transmission.
As a typical operation of wireless communication system, BS270 receives the reverse link signal from various mobile terminal 100.Mobile terminal 100 participates in call usually, information receiving and transmitting communicates with other type.Each reverse link signal that certain base station 270 receives is processed by particular B S270.The data obtained are forwarded to relevant BSC275.BSC provides call Resourse Distribute and comprises the mobile management function of coordination of the soft switching process between BS270.The data received also are routed to MSC280 by BSC275, and it is provided for the extra route service forming interface with PSTN290.Similarly, PSTN290 and MSC280 forms interface, and MSC and BSC275 forms interface, and BSC275 correspondingly control BS270 so that forward link signals is sent to mobile terminal 100.
Based on above-mentioned mobile terminal hardware configuration and communication system, each embodiment of the inventive method is proposed.
As shown in Figure 3, first embodiment of the invention proposes a kind of bank card business dealing Behavior-Based control device, comprising:
Transaction Information acquisition module 310, for when bank card participates in business behavior, obtains the Transaction Information that trading activity is corresponding.In the present embodiment, bank card is referred to as by the card that bank provides, and be all applicable to the technical scheme of the present embodiment, it includes but not limited to the debit card, credit card etc. that are provided by bank; In the present embodiment, Transaction Information can be obtained when bank card user is undertaken swiping the card transaction by modes such as the self-service dealing terminals such as POS, ATM or Web bank's payments, such as, bank card user is concluded the business by POS, POS adopts Dial-up Network to dial usually, then can get card number, POS registration businessman, transaction time the Transaction Information such as IP address.
Position determination module 320, for according to Transaction Information, determines the position at trading activity place.In the present embodiment, the mode obtaining trading activity position is not limited, such as can go out the positional information at place when bank card is swiped the card according to information analysis such as ip during transaction, also can be the position determining trading activity according to the information of the POS of participating in business.
Comparison module 330, for comparing the position of the position at trading activity place with the user of the bank card recorded.In the present embodiment, the position at trading activity place, the position of user can be concrete coordinate figures, then can calculate distance between two coordinate figures as comparative result; In the present embodiment, the position at trading activity place, the position of user can also be place names, such as, building name, city title etc., then can by above-mentioned place name, the position of carrying out from concluding the business in map location based on the map data base preset and the position at user place, and the position both comparing on map obtains comparative result.
Control module 340, for according to comparative result, determines whether to forbid that trading activity is carried out.In the present embodiment, trading activity can be forbidden when trading activity position is different from customer location, also can forbid trading activity in trading activity position and customer location in time crossing far away, can arrange flexibly according to actual needs, the present embodiment does not limit this.
An embody rule scene based on the technical scheme of the present embodiment is as follows:
Transaction Information is first have received in banking system, this Transaction Information indicates certain bank card and in POS, carries out bankcard consumption transaction at certain, and the numbering of POS indicates certain market that this POS is positioned at A city, the spot identifying this behavior of swiping the card from this Transaction Information is A city; Banking system is by the card number information of this bank card, the positional information that the mobile phone that the bank card inquiring about state-of-the-art record from database is bound is uploaded, the positional information determined by positioning system is uploaded in the bank service application that this mobile phone is installed at regular intervals, have recorded the information in B city in this positional information, this represents that user is in B city recently; Banking system compares A city and B city can find that two cities are positioned at different geographical, and the user that easy understand is in B city is difficult to carry out bankcard consumption in A city, so this may be steal brush event together; Banking system forbids sending this consumption that this bank card participates in note to the mobile phone of user simultaneously, warn user, can be specifically such as " your bank card may be dangerous ".
Another embody rule scene based on the technical scheme of the present embodiment is as follows:
Have received Transaction Information first in banking system, according to the ip address of recording in this Transaction Information, analysis obtains certain credit card and has carried out bankcard consumption in a dining room, and the spot identifying this behavior of swiping the card from this Transaction Information is a dining room; Banking system is by the card number information of this credit card, the positional information that the mobile phone that the credit card inquiring about state-of-the-art record from database is bound is uploaded, banking system sends the request of acquisition positional information at regular intervals to the bank service client be arranged on mobile phone, this bank server client obtains the positional information of mobile phone by the positioning system of calling mobile phone, have recorded the information in b department store in this positional information; Banking system is inquired about based on the map data base preset, and find that a dining room is arranged in b department store, easy understand user is positioned at the place that consumer behavior occurs, so this is normal consumer behavior; This consumption that banking system allows this credit card to participate in, and spending amount is sent to the mobile phone of user with note form, to notify user.
As shown in the above, according to the technical scheme of the present embodiment, by when user card punching, the positional information of the positional information of swiping the card with the user preserved is contrasted, determine deal again and whether carry out, make the present invention when not increasing hardware spending, for bank card provides a kind of simple anti-theft measure.
As shown in Figure 4, second embodiment of the invention proposes a kind of bank card business dealing Behavior-Based control device, comprising:
Position arranges module 410, for the locating information sent according to the mobile terminal of user, arranges the position of user.
In the present embodiment, because current smart mobile phone application is more and more extensive, Mobile banking's application waits more and more universal, user can at any time by operation that the mode such as service platform, Mobile banking's application of bank is correlated with to the bank card bound, and the viscosity of cellphone subscriber is very strong, and daily life be unable to do without mobile phone; Consider that this kind of situation can be installed the application such as the Mobile banking can binding bank card or be provided the application such as IM (JICQ), the SNS of banking service platform (social application) on mobile phone, user is by the bank card of these application bindings oneself, bank then can obtain the positional information of mobile phone by these application, so user and bank are using the passage of the application on mobile phone as link information.
Particularly, the Bank application etc. installed on mobile phone can be utilized to judge, and whether current mobile terminal has bound bank's card number, if there is the bank's card number preserved or bound, then to the positional information of banking system timed sending user, after banking system receives positional information, preserved in a database, so as to swipe the card in the future transaction time to compare operation.Specifically can as shown in Figure 5:
By the application such as Mobile banking that mobile phone is installed or banking service platform, step 510, judges whether current phone has bound bank's card number, if bound bank's card number, then enters step 520.Such as: when after mobile phone power-on, Mobile banking starts background service automatically, can judge whether to have preserved bank's card number.
Step 520, the Mobile banking's application on mobile phone or bank's platform service are by the positional information of procotol (including but not limited to http agreement) to banking system timed sending user.Such as: Mobile banking's timing utilizes the mode such as GPS or network positions to obtain current positional information, and sends banking system.
Step 530, after banking system receives the positional information of this bank card user, and by its corresponding with bank card number preserve be used for swiping the card conclude the business after comparison.
Transaction Information acquisition module 420, for when bank card participates in business behavior, obtains the Transaction Information that trading activity is corresponding.
Position determination module 430, for according to Transaction Information, determines the position at trading activity place.Than in the present embodiment, Transaction Information comprises the numbering of transaction terminal corresponding to trading activity, businessman or IP address; Position determination module, according to the numbering of transaction terminal, inquires the position of position as trading activity place of transaction terminal; Or position determination module is according to the businessman of transaction terminal, inquire the position at the trading activity place, place, position at businessman place; Or position determination module is according to the IP address of transaction terminal, inquire the position of physical address corresponding to IP address as trading activity.Based on the technical scheme of the present embodiment, bank transaction platform can be utilized to resolve the Transaction Information received, transaction platform parses the positional information at bankcard consumption place further according to Transaction Information, such as: when using POS consumption, the IP address etc. of dialling when POS correspond to POS numbering and online consumption can map out corresponding positional information;
Comparison module 440, for comparing the position of the position at trading activity place with the user of the bank card recorded.
Control module 450, for control module comparative result and pre-conditioned be not inconsistent time, send information to user, so that trading activity is prompted to user, and receive the instruction that sends of user, determine whether to forbid trading activity according to instruction.In the present embodiment, be pre-conditionedly positioned at the same area for the position at trading activity place and the position of user, or the distance between the position at trading activity place and the position of user is no more than predeterminable range threshold value.In the present embodiment, the scope in region, the size of predetermined threshold value are not limited, can arrange flexibly as required.In the present embodiment, the positional information of swiping the card parsed is contrasted with the customer position information preserved, if scope has big difference, then according to notifying user by the mode such as note, phone; After user receives SMS notification or Advise By Wire, next step operation of artificial selection; Receive the confirmation of user according to bank after, refuse or complete transaction.
According to the technical scheme of the present embodiment, the customer position information that the positional information of the transaction platform trading activity of bank and bank can be utilized to preserve contrasts, if both have big difference, then by the early warning of the mode such as note, phone.Such as: bank is contrasted by the customer position information of swipe the card position and preservation, find not in a city, now, the risk stealing brush is very large, bank namely by sending note to user, dial the modes such as subscriber phone and notify user; After user receives SMS notification or Advise By Wire, determine that next step operates by modes such as message reply or telephone key-press selections, such as: bank short message early warning user replys 1 by current transaction, reply the current transaction of 2 refusals; After bank receives the confirmation of user, according to the wish of user, refuse or complete transaction.The technical scheme of visible the present embodiment, utilizes the Function Extension of mobile phone to go out to utilize positional information to steal brush to guard against bank card; From the angle of bank, can in bank card user the emerging service such as further genralrlization Mobile banking; From the angle of bank card user, then provide a kind of brand-new illegal and experience, ensure that the safety of fund.
As shown in Figure 6, third embodiment of the invention proposes a kind of bank card business dealing Behavior-Based control method, comprising:
Step 610, when bank card participates in business behavior, obtains the Transaction Information that trading activity is corresponding.In the present embodiment, bank card is referred to as by the card that bank provides, and be all applicable to the technical scheme of the present embodiment, it includes but not limited to the debit card, credit card etc. that are provided by bank; In the present embodiment, Transaction Information can be obtained when bank card user is undertaken swiping the card transaction by modes such as the self-service dealing terminals such as POS, ATM or Web bank's payments, such as, bank card user is concluded the business by POS, POS adopts Dial-up Network to dial usually, then can get card number, POS registration businessman, transaction time the Transaction Information such as IP address.
Step 620, according to Transaction Information, determines the position at trading activity place.In the present embodiment, the mode obtaining trading activity position is not limited, such as can go out the positional information at place when bank card is swiped the card according to information analysis such as ip during transaction, also can be the position determining trading activity according to the information of the POS of participating in business.
Step 630, compares the position of the position at trading activity place with the user of the bank card recorded.In the present embodiment, the position at trading activity place, the position of user can be concrete coordinate figures, then can calculate distance between two coordinate figures as comparative result; In the present embodiment, the position at trading activity place, the position of user can also be place names, such as, building name, city title etc., then can by above-mentioned place name, the position of carrying out from concluding the business in map location based on the map data base preset and the position at user place, and the position both comparing on map obtains comparative result.
Step 640, according to comparative result, determines whether to forbid that trading activity is carried out.In the present embodiment, trading activity can be forbidden when trading activity position is different from customer location, also can forbid trading activity in trading activity position and customer location in time crossing far away, can arrange flexibly according to actual needs, the present embodiment does not limit this.
An embody rule scene based on the technical scheme of the present embodiment is as follows:
Transaction Information is first have received in banking system, this Transaction Information indicates certain bank card and in POS, carries out bankcard consumption transaction at certain, and the numbering of POS indicates certain market that this POS is positioned at A city, the spot identifying this behavior of swiping the card from this Transaction Information is A city; Banking system is by the card number information of this bank card, the positional information that the mobile phone that the bank card inquiring about state-of-the-art record from database is bound is uploaded, the positional information determined by positioning system is uploaded in the bank service application that this mobile phone is installed at regular intervals, have recorded the information in B city in this positional information, this represents that user is in B city recently; Banking system compares A city and B city can find that two cities are positioned at different geographical, and the user that easy understand is in B city is difficult to carry out bankcard consumption in A city, so this may be steal brush event together; Banking system forbids sending this consumption that this bank card participates in note to the mobile phone of user simultaneously, warn user, can be specifically such as " your bank card may be dangerous ".
Another embody rule scene based on the technical scheme of the present embodiment is as follows:
Have received Transaction Information first in banking system, according to the ip address of recording in this Transaction Information, analysis obtains certain credit card and has carried out bankcard consumption in a dining room, and the spot identifying this behavior of swiping the card from this Transaction Information is a dining room; Banking system is by the card number information of this credit card, the positional information that the mobile phone that the credit card inquiring about state-of-the-art record from database is bound is uploaded, banking system sends the request of acquisition positional information at regular intervals to the bank service client be arranged on mobile phone, this bank server client obtains the positional information of mobile phone by the positioning system of calling mobile phone, have recorded the information in b department store in this positional information; Banking system is inquired about based on the map data base preset, and find that a dining room is arranged in b department store, easy understand user is positioned at the place that consumer behavior occurs, so this is normal consumer behavior; This consumption that banking system allows this credit card to participate in, and spending amount is sent to the mobile phone of user with note form, to notify user.
As shown in the above, according to the technical scheme of the present embodiment, by when user card punching, the positional information of the positional information of swiping the card with the user preserved is contrasted, determine deal again and whether carry out, make the present invention when not increasing hardware spending, for bank card provides a kind of simple anti-theft measure.
As shown in Figure 7, fourth embodiment of the invention proposes a kind of bank card business dealing Behavior-Based control method, comprising:
Step 710, according to the locating information that the mobile terminal of user sends, arranges the position of user.
In the present embodiment, because current smart mobile phone application is more and more extensive, Mobile banking's application waits more and more universal, user can at any time by operation that the mode such as service platform, Mobile banking's application of bank is correlated with to the bank card bound, and the viscosity of cellphone subscriber is very strong, and daily life be unable to do without mobile phone; Consider that this kind of situation can be installed the application such as the Mobile banking can binding bank card or be provided the application such as IM (JICQ), the SNS of banking service platform (social application) on mobile phone, user is by the bank card of these application bindings oneself, bank then can obtain the positional information of mobile phone by these application, so user and bank are using the passage of the application on mobile phone as link information.
Particularly, the Bank application etc. installed on mobile phone can be utilized to judge, and whether current mobile terminal has bound bank's card number, if there is the bank's card number preserved or bound, then to the positional information of banking system timed sending user, after banking system receives positional information, preserved in a database, so as to swipe the card in the future transaction time to compare operation.
Step 720, when bank card participates in business behavior, obtains the Transaction Information that trading activity is corresponding.
Step 730, according to Transaction Information, determines the position at trading activity place.Than in the present embodiment, Transaction Information comprises the numbering of transaction terminal corresponding to trading activity, businessman or IP address; According to the numbering of transaction terminal, the position of position as trading activity place of transaction terminal can be inquired; Or according to the businessman of transaction terminal, the position at the trading activity place, place, position at businessman place can be inquired; Or according to the IP address of transaction terminal, the position of physical address corresponding to IP address as trading activity can be inquired.Based on the technical scheme of the present embodiment, bank transaction platform can be utilized to resolve the Transaction Information received, transaction platform parses the positional information at bankcard consumption place further according to Transaction Information, such as: when using POS consumption, the IP address etc. of dialling when POS correspond to POS numbering and online consumption can map out corresponding positional information;
Step 740, compares the position of the position at trading activity place with the user of the bank card recorded.
Step 750, comparative result and pre-conditioned be not inconsistent time, send information to user, so that trading activity is prompted to user, and receive the instruction that sends of user, determine whether to forbid trading activity according to instruction.In the present embodiment, be pre-conditionedly positioned at the same area for the position at trading activity place and the position of user, or the distance between the position at trading activity place and the position of user is no more than predeterminable range threshold value.In the present embodiment, the scope in region, the size of predetermined threshold value are not limited, can arrange flexibly as required.In the present embodiment, the positional information of swiping the card parsed is contrasted with the customer position information preserved, if scope has big difference, then according to notifying user by the mode such as note, phone; After user receives SMS notification or Advise By Wire, next step operation of artificial selection; Receive the confirmation of user according to bank after, refuse or complete transaction.
According to the technical scheme of the present embodiment, the customer position information that the positional information of the transaction platform trading activity of bank and bank can be utilized to preserve contrasts, if both have big difference, then by the early warning of the mode such as note, phone.Such as: bank is contrasted by the customer position information of swipe the card position and preservation, find not in a city, now, the risk stealing brush is very large, bank namely by sending note to user, dial the modes such as subscriber phone and notify user; After user receives SMS notification or Advise By Wire, determine that next step operates by modes such as message reply or telephone key-press selections, such as: bank short message early warning user replys 1 by current transaction, reply the current transaction of 2 refusals; After bank receives the confirmation of user, according to the wish of user, refuse or complete transaction.The technical scheme of visible the present embodiment, utilizes the Function Extension of mobile phone to go out to utilize positional information to steal brush to guard against bank card; From the angle of bank, can in bank card user the emerging service such as further genralrlization Mobile banking; From the angle of bank card user, then provide a kind of brand-new illegal and experience, ensure that the safety of fund.
It should be noted that, in this article, term " comprises ", " comprising " or its any other variant are intended to contain comprising of nonexcludability, thus make to comprise the process of a series of key element, method, article or device and not only comprise those key elements, but also comprise other key elements clearly do not listed, or also comprise by the intrinsic key element of this process, method, article or device.When not more restrictions, the key element limited by statement " comprising ... ", and be not precluded within process, method, article or the device comprising this key element and also there is other identical element.
The invention described above embodiment sequence number, just to describing, does not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be well understood to the mode that above-described embodiment method can add required general hardware platform by software and realize, hardware can certainly be passed through, but in a lot of situation, the former is better embodiment.Based on such understanding, technical scheme of the present invention can embody with the form of software product the part that prior art contributes in essence in other words, this computer software product is stored in a storage medium (as ROM/RAM, magnetic disc, CD), comprising some instructions in order to make a station terminal equipment (can be mobile phone, computing machine, server, air conditioner, or the network equipment etc.) perform method described in each embodiment of the present invention.
These are only the preferred embodiments of the present invention; not thereby the scope of the claims of the present invention is limited; every utilize instructions of the present invention and accompanying drawing content to do equivalent structure or equivalent flow process conversion; or be directly or indirectly used in other relevant technical fields, be all in like manner included in scope of patent protection of the present invention.
Claims (10)
1. a bank card business dealing Behavior-Based control device, is characterized in that, comprising:
Transaction Information acquisition module, for when bank card participates in business behavior, obtains the Transaction Information that described trading activity is corresponding;
Position determination module, for according to described Transaction Information, determines the position at described trading activity place;
Comparison module, for comparing the position of the position at described trading activity place with the user of the described bank card recorded;
Control module, for according to comparative result, determines whether to forbid that described trading activity is carried out.
2. bank card business dealing Behavior-Based control device according to claim 1, is characterized in that, described Transaction Information comprises the numbering of transaction terminal corresponding to described trading activity, businessman and/or IP address;
Described position determination module, according to the numbering of described transaction terminal, inquires the position of position as described trading activity place of described transaction terminal; And/or described position determination module is according to the businessman of described transaction terminal, the position at trading activity place described in the place, position inquiring described businessman place; And/or described position determination module is according to the IP address of described transaction terminal, inquire the position of physical address corresponding to described IP address as described trading activity.
3. bank card business dealing Behavior-Based control device according to claim 1, is characterized in that,
Described control module described comparative result and pre-conditioned be not inconsistent time, information is sent to described user, so that described trading activity is prompted to described user, and receive the instruction that described user sends, determine whether to forbid described trading activity according to described instruction.
4. bank card business dealing Behavior-Based control device according to claim 3, is characterized in that,
Describedly pre-conditionedly be positioned at the same area for the position at described trading activity place and the position of described user, or the distance between the position at described trading activity place and the position of described user is no more than predeterminable range threshold value.
5. bank card business dealing Behavior-Based control device according to any one of claim 1 to 4, is characterized in that, also comprise:
Position arranges module, for the locating information sent according to the mobile terminal of described user, arranges the position of described user.
6. a bank card business dealing Behavior-Based control method, is characterized in that, comprising:
When bank card participates in business behavior, obtain the Transaction Information that described trading activity is corresponding;
According to described Transaction Information, determine the position at described trading activity place;
The position of the position at described trading activity place with the user of the described bank card recorded is compared;
According to comparative result, determine whether to forbid that described trading activity is carried out.
7. bank card business dealing Behavior-Based control method according to claim 6, is characterized in that, described Transaction Information comprises the numbering of transaction terminal corresponding to described trading activity, businessman and/or IP address; According to described Transaction Information, determine the position at described trading activity place, specifically comprise:
According to the numbering of described transaction terminal, inquire the position of position as described trading activity place of described transaction terminal; And/or
According to the businessman of described transaction terminal, the position at trading activity place described in the place, position inquiring described businessman place; And/or
According to the IP address of described transaction terminal, inquire the position of physical address corresponding to described IP address as described trading activity.
8. bank card business dealing Behavior-Based control method according to claim 6, is characterized in that, according to comparative result, determines whether to forbid that described trading activity is carried out, specifically comprises:
Described comparative result and pre-conditioned be not inconsistent time, send information to described user, so that described trading activity is prompted to described user;
Receive the instruction that described user sends, determine whether to forbid described trading activity according to described instruction.
9. bank card business dealing Behavior-Based control method according to claim 8, is characterized in that,
Describedly pre-conditionedly be positioned at the same area for the position at described trading activity place and the position of described user, or the distance between the position at described trading activity place and the position of described user is no more than predeterminable range threshold value.
10. the bank card business dealing Behavior-Based control method according to any one of claim 6 to 9, is characterized in that, also comprise:
According to the locating information that the mobile terminal of described user sends, the position of described user is set.
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| CN201510875436.XA CN105550873A (en) | 2015-12-02 | 2015-12-02 | Device and method of controlling bank card trading behavior |
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| CN108389052A (en) * | 2018-02-27 | 2018-08-10 | 平安科技（深圳）有限公司 | Prevent bank card from stealing method, apparatus, computer equipment and the storage medium of brush |
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| WO2022000766A1 (en) * | 2020-07-03 | 2022-01-06 | 拉卡拉支付股份有限公司 | Transaction address locating system and method |
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| TWI693570B (en) * | 2018-03-29 | 2020-05-11 | 兆豐國際商業銀行股份有限公司 | System and method of transaction using credit card |
| CN110428258A (en) * | 2019-07-30 | 2019-11-08 | 中国工商银行股份有限公司 | Transaction risk monitoring method and device |
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| WO2021096456A1 (en) * | 2019-11-11 | 2021-05-20 | Turkiye Garanti Bankasi Anonim Sirketi | A fraud control system |
| WO2022000766A1 (en) * | 2020-07-03 | 2022-01-06 | 拉卡拉支付股份有限公司 | Transaction address locating system and method |
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Application publication date: 20160504 |