CN110503424A - A kind of method and device of quick lock in bank card - Google Patents
A kind of method and device of quick lock in bank card Download PDFInfo
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- CN110503424A CN110503424A CN201910785460.2A CN201910785460A CN110503424A CN 110503424 A CN110503424 A CN 110503424A CN 201910785460 A CN201910785460 A CN 201910785460A CN 110503424 A CN110503424 A CN 110503424A
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- Prior art keywords
- bank card
- module
- terminal
- message
- random number
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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
- G06Q20/30—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
-
- 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
- G06Q20/30—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
- G06Q20/354—Card activation or deactivation
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/90—Services for handling of emergency or hazardous situations, e.g. earthquake and tsunami warning systems [ETWS]
Abstract
The present invention provides a kind of method and device of quick lock in bank card, from settlement system identify deposit in the bank card steal brush risk when to NEF send locking bank card request message, NEF initiates dialing using special emergency service number as calling number to the telephone number bound with the bank card information, on-hook after corresponding terminal off-hook, and clawback initiates call request after verifying the special emergency service number and passing through, after AUSF passes through authentication, NEF sends bank card information to the terminal, whether corresponding bank card is locked by query field of terminal user, when NEF receives the feedback result for whether locking bank card of terminal return, feedback result is sent to settlement system, so that settlement system carries out respective handling to corresponding bank card；The solution of the present invention, which crosses multioperation without user, can be realized the locking of bank card, simple and convenient, save the time, and bank and user both sides can authenticate other side's identity, guarantee the safety and reliability of operation.
Description
Technical field
The present invention relates to fields of communication technology, and in particular to a kind of method and device of quick lock in bank card.
Background technique
As what bank card used popularizes, bank card is stolen brush event and also increasingly takes place frequently.It is often continuous more to steal swiped through journey
Transaction, user also will receive a plurality of transaction prompt short message.When encountering such event, can when lock oneself bank card and become
Avoid one of the key factor of loss further expansion.
After bank card robber's brush event occurs, the major way of current lock bank card has following several: (1) user is actively dialled
Service calls are beaten, freeze or lock bank card by telephone bank；(2) bank card is locked using APP program；(3) it sends short
Letter.
Above-mentioned three kinds of modes are required to carry out a series of operation, such as dialing/login, the corresponding option of selection, input body
Part card number, input bank card tail number, input telephone bank's password etc., it is cumbersome, and the artificial customer service then row of generally requiring
Team waits, and response is not prompt enough, and short message mode also needs editing short message, more holding time.
There are also actives when a kind of bank or settlement system discovery bank card steal brush event at present sends short message to user, and refers to
Bright specific operation code (such as: replying " DJYYK ") of replying may be stolen the bank card brushed to lock, although this mode
It is convenient to operate.But there are the following problems:
A) whether the source that user can not in case of emergency differentiate the short message is bank or settlement system itself.Once should
The entity that short message is pretended from malice, user will face bigger fund security risk.
B) bank or settlement system can not differentiate whether received short message derives from real user.
Often there is certain delay in c) short message transmission, on rare occasion, short message cannot reach recipient in time, this
Additional time delay often makes the loss further expansion of user.
Therefore, a kind of scheme of quick lock in bank card is needed to solve the above technical problems.
Summary of the invention
The present invention aiming at the above shortcomings existing in the prior art, provides the method and dress of a kind of quick lock in bank card
It sets, at least partly to solve the problems, such as that locking bank card complex steps, time-consuming, safety is poor.
The present invention is in order to solve the above technical problems, adopt the following technical scheme that
A kind of method that the present invention mentions quick lock in bank card, comprising: when the first message for receiving settlement system transmission
When, obtain the operation identification information wherein carried, bank card information and the telephone number with bank card information binding；
If determining the first message for locking bank card request message, with default according to the operation identification information
Special emergency service number as calling number to the telephone number initiate dial；
When a call request is received, off-hook and by authentication service functional entity to the terminal carry out authentication,
The call request is initiated after the corresponding terminal of the telephone number passes through special emergency service number certification；
If being verified to the terminal identity, send the carrying bank card information to the terminal second disappears
Breath, so that whether the corresponding user of the query field of terminal locks corresponding bank card；
When receiving the feedback result for whether locking bank card that the terminal returns, by the feedback result and described
Operation identification information is sent to the settlement system, so that the settlement system is according to the operation identification information and the feedback
As a result corresponding bank card is handled.
Further, using preset special emergency service number as calling number to the user information corresponding end
After dialing is initiated at end, the method also includes: when the terminal off-hook, random number is generated, and send institute to the terminal
State random number；
The random number is also carried in the second message, so that the terminal judges random number that this is received with before
Whether the secondary random number received is identical, and inquires whether corresponding user locks corresponding bank card when identical.
The present invention also provides a kind of methods of quick lock in bank card, comprising:
When receiving the call request that calling number is special emergency service number, off-hook and on-hook；
The special emergency service number is authenticated, if certification passes through, initiates to call to the special emergency service number
Request, so that network opening functional entity carries out authentication to this equipment by authentication service functional entity；
The second message that network opening functional entity is sent is received, the bank card information wherein carried is obtained；
Prompt information is issued, to ask the user whether to lock corresponding bank card；
If receiving the feedback result of user in preset duration, the feedback result is sent to the network opening
Functional entity, so that the feedback result and the operation identification information are sent to the clearing system by network opening functional entity
System, so that the settlement system is handled corresponding bank card according to the operation identification information and the feedback result.
Further, after off-hook, before on-hook, the method also includes: receive and save random number；
Also carry random number in the second message, it is described receive second message that network opening functional entity is sent it
Afterwards, before issuing prompt information, the method also includes:
Obtain the random number in the second message；
Judge whether random number that this is received and the previous random number received are identical；
The sending prompt information, comprising: if this random number for receiving and the previous random number received whether phase
Together, then prompt information is issued.
Further, the method also includes:
If not receiving the feedback result of user in the preset duration, preset default feedback result is sent to
The network opening functional entity, the default feedback result are locking bank card instruction.
The present invention also provides a kind of network opening functional entitys, comprising: receiving module obtains module, judgment module, communication
Module, processing module and sending module；
The receiving module is used for, and receives the first message that settlement system is sent；And receive that the terminal returns is
The feedback result of no locking bank card；
The acquisition module is used for, obtain the operation identification information carried in the first message, bank card information and with
The telephone number of the bank card information binding；
Judgment module is used for, and judges whether the first message is locking bank card request according to the operation identification information
Message；
The communication module is used for, when the judgment module judges the first message for locking bank card request message
When, it initiates to dial using preset special emergency service number as calling number to the telephone number；And it receives calling and asks
It asks and off-hook, the call request is after the corresponding terminal of the telephone number passes through special emergency service number certification
It initiates；
The processing module is used for, and carries out authentication to the terminal by authentication service functional entity；
The sending module is used for, and when being verified to the terminal identity, Xiang Suoshu terminal, which is sent, carries the silver
The second message of row card information, so that whether the corresponding user of the query field of terminal locks corresponding bank card；And it will be described
The feedback result and the operation identification information that receiving module receives are sent to the settlement system, so that the settlement system
Corresponding bank card is handled according to the operation identification information and the feedback result.
Further, the network opening functional entity further includes generation module, and the generation module is used for, when the end
When holding off-hook, random number is generated；
The sending module is also used to, and Xiang Suoshu terminal sends the random number；
The random number is also carried in the second message, so that the terminal judges random number that this is received with before
Whether the secondary random number received is identical, and inquires whether corresponding user locks corresponding bank card when identical.
The present invention also provides a kind of terminal devices, comprising: communication module, receiving module, obtains module, mentions authentication module
Show module, judgment module and sending module；
The communication module is used for, when receiving the call request that calling number is special emergency service number, off-hook
And on-hook；And when the authentication module authenticates the special emergency service number and passes through, Xiang Suoshu special emergency service numbers
Code initiates call request, so that network opening functional entity carries out authentication to this equipment by authentication service functional entity；
The authentication module is used for, and authenticates the special emergency service number；
The receiving module is used for, and receives the second message that network opening functional entity is sent；
The acquisition module is used for, and obtains the bank card information carried in the second message；
The cue module is used for, and prompt information is issued, to ask the user whether to lock corresponding bank card；
The judgment module is used for, and judges the feedback result that user whether is received in preset duration；
The sending module is used for, when the judgment module judges the feedback result for receiving user in preset duration
When, the feedback result is sent to the network opening functional entity, so that network opening functional entity ties the feedback
Fruit and the operation identification information are sent to the settlement system, so as to the settlement system according to the operation identification information and
The feedback result handles corresponding bank card.
Further, the receiving module is also used to, and receives and saves random number after off-hook, before on-hook；
The acquisition module is also used to, and receives the second message of network opening functional entity transmission in the receiving module
Later, before the cue module issues prompt information, the random number in the second message is obtained；
The judgment module is also used to, judge random number that this is received and the previous random number received whether phase
Together；
The cue module is specifically used for, when the judgment module judges the random number and previous reception that this is received
When the random number arrived is identical, prompt information is issued.
Further, the sending module is also used to, when the judgment module is judged not receive in preset duration
When the feedback result of user, preset default feedback result is sent to the network opening functional entity, the default feedback
It as a result is locking bank card instruction.
The present invention from settlement system identify deposit in the bank card steal brush risk when to network opening functional entity (NEF) send out
Send locking bank card request message, NEF is using special emergency service number as calling number to binding with the bank card information
Telephone number initiates dialing, on-hook after corresponding terminal off-hook, and calls back hair after verifying the special emergency service number and passing through
Call request is played, after authentication service functional entity (AUSF) passes through authentication, NEF sends bank card letter to the terminal
Breath, whether corresponding bank card is locked by query field of terminal user, when NEF receive terminal return whether lock the anti-of bank card
When presenting result, feedback result is sent to settlement system, so that settlement system carries out respective handling to corresponding bank card；This hair
Bright scheme, which crosses multioperation without user, can be realized the locking of bank card, simple and convenient, save the time, and bank with
User both sides can authenticate other side's identity, guarantee the safety and reliability of operation；Terminal, NEF, AUSF pass through mobile communication
Network is communicated using connection-oriented mode, it is ensured that is locked the instruction transfer delay of bank card within the scope of controllable, is reduced
The risk of the stolen brush of bank card.
Detailed description of the invention
Fig. 1 is the flow diagram one of quick lock in bank card provided in an embodiment of the present invention；
Fig. 2 is the flow diagram two of quick lock in bank card provided in an embodiment of the present invention；
Fig. 3 is one of the structural schematic diagram of NEF provided in an embodiment of the present invention；
Fig. 4 is the second structural representation of NEF provided in an embodiment of the present invention；
Fig. 5 is the structural schematic diagram of terminal device provided in an embodiment of the present invention.
Specific embodiment
Below in conjunction with the attached drawing in the present invention, clear, complete description is carried out to the technical solution in the present invention, is shown
So, described embodiment is a part of the embodiments of the present invention, instead of all the embodiments.Based on the implementation in the present invention
Example, those of ordinary skill in the art's every other embodiment obtained without making creative work, all belongs to
In the scope of protection of the invention.
In view of the above-mentioned problems existing in the prior art, the embodiment of the invention provides a kind of sides of quick lock in bank card
Method, the method are applied to include settlement system, NEF (Network Exposure Function, network opening functional entity)
In the system of AUSF (Authentication Server Function, authentication service functional entity), wherein settlement system
For the transaction processing system of bank, for handling, monitoring the financial business of bank.
As shown in Figure 1, the method for quick lock in bank card of the invention the following steps are included:
Step 1, settlement system sends first message to NEF.
Specifically, it is " stolen that settlement system identifies that transaction belongs to when the bank card of user generates more abnormal transaction
A possibility that brush ", is larger, at this point, sending first message to NEF, wherein operation identification information, bank are carried in first message
Card information and the telephone number bound with the bank card information.
Preferably, operation identification information can be the operation identification code for including prefix and suffix, operate the prefix of identification code
For indicating the type of first message, for example, if the prefix of operation identification code is 001, then it represents that first message is locking bank
Card request message.The suffix for operating identification code is operation serial number, and operation serial number is settlement system to doing the sequencing numbers operated,
Settlement system can be according to operation serial number it is determined which terminal.Bank card information may include bank card tail number and bank card
The bank of ownership, the telephone number with bank card information binding are usually the electricity that bank card holder reserves when opening card in bank
Number is talked about, usually the phone number of bank card holder.
It should be noted that settlement system judges whether bank card occurs the condition that robber brushes and belong to the prior art, herein not
It repeats again.
Step 2, NEF obtains the operation identification information carried in first message, bank card information and ties up with bank card information
Fixed telephone number.
Step 3, NEF judges whether first message is locking bank card request message, if so, 4 are thened follow the steps, otherwise,
Terminate process.
Specifically, NEF judges the type of first message by the prefix of identification operation identification code, if judging first message
To lock bank card request message, 4 are thened follow the steps；If not locking bank card request message, then terminate this process.
Step 4, NEF initiates to dial using preset special emergency service number as calling number to telephone number.
Special emergency service number is for identifying call request, so that terminal can be by the call request and other are common
Call request is distinguished.Special emergency service number is NEF good with terminal device offered, and terminal can be written in advance
SIM (Subscriber Identification Module, user identification module) card in, can be bank's customer service number
Code, or other preset numbers with certain identification.
Step 5, when terminal receives the call request that calling number is special emergency service number, off-hook.
In this step, when terminal receives call request, if identifying, calling number is special emergency service number,
Automatic off-hook then on-hook.The purpose of terminal off-hook and on-hook is, does not show the call request to user, but first to the spy
Different urgency traffic number is authenticated (i.e. execution step 6), to ensure the reliability of calling party.
Step 6, special emergency service number is authenticated after hanging up terminal, if certification passes through, thens follow the steps 7；Otherwise, terminate
Process.
Specifically, match special emergency service number in local (such as in SIM card) after hanging up terminal, if matching at
Function illustrates that the special emergency service number is legal, and certification passes through, then initiates call request (i.e. to the special emergency service number
Execute step 7)；If matching is unsuccessful, illustrate that the special emergency service number is illegal, certification does not pass through, then terminates this process.
Step 7, terminal initiates call request to special emergency service number.
Step 8, NEF carries out authentication to terminal by AUSF and thens follow the steps 9 if being verified to terminal identity；
Otherwise, terminate process.
Specifically, NEF submits the request of verifying terminal identity to AUSF, AUSF responds the request.AUSF is to end
The specific implementation that end carries out authentication belongs to the prior art, and details are not described herein.NEF obtains the verification result of AUSF,
If terminal identity is verified, illustrate that terminal is reliable, therefore second message can be sent to terminal, so that query field of terminal is used
Whether family locks corresponding bank card (i.e. execution step 9).
Step 9, NEF sends the second message for carrying bank card information to terminal.
Step 10, terminal obtains the bank card information carried in second message.
Step 11, terminal issues prompt information, to ask the user whether to lock corresponding bank card.
In this step, terminal can issue prompt information by voice mode or pop-up mode, include in prompt information
Bank card information.
Step 12, if terminal receives the feedback result of user in preset duration, feedback result is sent to NEF.
The feedback result is that locking bank card indicates or do not lock bank card instruction.
Step 13, feedback result and operation identification information are sent to settlement system by NEF.
Step 14, settlement system is handled corresponding bank card according to operation identification information and feedback result.
Specifically, settlement system by the suffix (i.e. operation serial number) of operation identification code it is determined which terminal, in this way
It can determine that corresponding bank card, so as to carry out the processing for locking or not locking to the bank card according to feedback result.
Through the above steps 1-14 can be seen that the present invention by settlement system identify deposit in the bank card robber brush risk when
Locking bank card request message is sent to network opening functional entity (NEF), NEF is using special emergency service number as caller number
Code initiates dialing, on-hook after corresponding terminal off-hook to the telephone number bound with the bank card information, and this is special in verifying
Clawback initiates call request after urgency traffic number passes through, after authentication service functional entity (AUSF) passes through authentication,
NEF sends bank card information to the terminal, corresponding bank card whether is locked by query field of terminal user, when NEF receives terminal
When the feedback result for whether locking bank card returned, feedback result is sent to settlement system, so that settlement system is to corresponding
Bank card carry out respective handling；The solution of the present invention, which crosses multioperation without user, can be realized the locking of bank card, operation letter
It is single it is convenient, save the time, and bank and user both sides can authenticate other side's identity, guarantee the safety of operation and reliable
Property；Terminal, NEF, AUSF are communicated by mobile communications network using connection-oriented mode, it is ensured that the instruction for locking bank card passes
It send time delay within the scope of controllable, reduces the risk of the stolen brush of bank card.
It is frequently experienced in the period for being not easy to cause attention, such as night's rest time due to stealing to brush, user at this time may
It has slept soundly, it is difficult to find the stolen brush of bank card of oneself in time.In order to reduce the economic loss of user, further, this hair
The method of the quick lock in bank card of bright offer can also in the case where user fails to timely respond to, by its bank's card lock,
To improve safety.
Therefore, terminal issue prompt information, with ask the user whether to lock corresponding bank card (i.e. after step 11),
The method of the quick lock in bank card is further comprising the steps of:
If not receiving the feedback result of user in the preset duration, preset default feedback result is sent to
NEF, wherein default feedback result is locking bank card instruction.That is, if user does not respond terminal in preset duration
The prompt information of sending, then default user instruction locking bank card, is sent to NEF for the feedback result for locking bank card instruction,
And settlement system is sent to by NEF, so that settlement system locks corresponding bank card.
In a step 11, it is provided with timer in terminal, when terminal issues prompt information, timer starts timing.In
In this step, when the timing time of timer reaches, terminal judges whether to receive the feedback result of user, if not receiving
It arrives, then preset default feedback result is sent to NEF；If receiving, the feedback result received is sent to NEF (i.e.
Step 12).
Further, as shown in Fig. 2, (step 5), the method for the quick lock in bank card are also wrapped when terminal off-hook
Include following steps:
Step 5 ', NEF generates random number.
Step 6 ', NEF sends random number to terminal.
It should be noted that terminal after receiving random number, then the on-hook after locally saving the random number authenticates
Special emergency service number (i.e. execution step 6).
In step 9, also carry step 5 in second message ' generate random number.
When executing step 10, terminal also obtains the random number in second message, and random in second message obtaining
After number, issue prompt information (i.e. before step 11), the method for the quick lock in bank card is further comprising the steps of:
Step 10 ', terminal judges whether the random number that this is received and the previous random number received are identical, if phase
Together, 11 are thened follow the steps；Otherwise, terminate process.
Specifically, illustrating NEF if terminal judges that the random number that this is received is identical as the previous random number received
It is reliable, therefore prompt information can be issued, asks the user whether to lock corresponding bank card (i.e. execution step 11)；If
Terminal judges that the random number that this is received is different from the previous random number received, illustrates that NEF is unreliable, then terminates this stream
Journey.
By generating and sending random number by NEF, and terminal is being carried out to send this again at random after authentication passes through
Number, whether the random number received twice by terminal judgement is identical, to realize verifying of the terminal to NEF, pseudo-base station is avoided to deceive
User information and authorization is taken to cause user's economic loss.
Based on the same technical idea, the embodiment of the present invention also provides a kind of network opening functional entity, as shown in figure 3,
The network opening functional entity may include: receiving module 31, obtain module 32, judgment module 33, communication module 34, processing mould
Block 35 and sending module 36.
Receiving module 31 is used for, and receives the first message that settlement system is sent；And whether receive the terminal return
Lock the feedback result of bank card.
Obtain module 32 be used for, obtain the operation identification information carried in the first message, bank card information and with institute
State the telephone number of bank card information binding.
Judgment module 33 is used for, and judges whether the first message is that locking bank card is asked according to the operation identification information
Seek message.
Communication module 34 is used for, when judgment module 33 judges the first message to lock bank card request message,
It initiates to dial using preset special emergency service number as calling number to the telephone number；And receive call request
And off-hook, the call request are sent out after the corresponding terminal of the telephone number passes through special emergency service number certification
It rises.
Processing module 35 is used for, and carries out authentication to the terminal by authentication service functional entity.
Sending module 36 is used for, and when being verified to the terminal identity, Xiang Suoshu terminal, which is sent, carries the bank
The second message of card information, so that whether the corresponding user of the query field of terminal locks corresponding bank card；And it is connect described
The feedback result and the operation identification information that receipts module receives are sent to the settlement system, so that the settlement system root
Corresponding bank card is handled according to the operation identification information and the feedback result.
As shown in figure 4, the network opening functional entity further includes generation module 37, generation module 37 is used for, when described
When terminal off-hook, random number is generated.
Sending module 36 is also used to, and Xiang Suoshu terminal sends the random number.
The random number is also carried in the second message, so that the terminal judges random number that this is received with before
Whether the secondary random number received is identical, and inquires whether corresponding user locks corresponding bank card when identical.
Based on the same technical idea, the embodiment of the present invention also provides a kind of terminal device, as shown in figure 5, the terminal is set
Standby may include: communication module 51, authentication module 52, receiving module 53, acquisition module 54, cue module 55, judgment module 56
With sending module 57.
Communication module 51 is used for, and when receiving the call request that calling number is special emergency service number, off-hook is simultaneously
On-hook；And when authentication module 52 authenticates the special emergency service number and passes through, Xiang Suoshu special emergency service number hair
Call request is played, so that network opening functional entity carries out authentication to this equipment by authentication service functional entity.
Authentication module 52 is used for, and authenticates the special emergency service number.
Receiving module 53 is used for, and receives the second message that network opening functional entity is sent.
It obtains module 54 to be used for, obtains the bank card information carried in the second message.
Cue module 55 is used for, and prompt information is issued, to ask the user whether to lock corresponding bank card.
Judgment module 56 is used for, and judges the feedback result that user whether is received in preset duration.
Sending module 57 is used for, when judgment module 56 is judged to receive the feedback result of user in preset duration,
The feedback result is sent to the network opening functional entity so that network opening functional entity by the feedback result and
The operation identification information is sent to the settlement system, so that the settlement system is according to the operation identification information and described
Feedback result handles corresponding bank card.
Further, receiving module 53 is also used to, and receives and saves random number after off-hook, before on-hook.
Obtain module 54 be also used to, receiving module 53 receive network opening functional entity transmission second message it
Afterwards, before the cue module issues prompt information, the random number in the second message is obtained.
Judgment module 56 is also used to, and judges whether random number that this is received and the previous random number received are identical.
Cue module 55 is specifically used for, when judgment module 56 judges random number that this is received and previous receives
When random number is identical, prompt information is issued.
Further, sending module 57 is also used to, when judgment module 56 is judged not receive user in preset duration
Feedback result when, preset default feedback result is sent to the network opening functional entity, the default feedback result
For locking bank card instruction.
It is understood that the principle that embodiment of above is intended to be merely illustrative of the present and the exemplary implementation that uses
Mode, however the present invention is not limited thereto.For those skilled in the art, essence of the invention is not being departed from
In the case where mind and essence, various changes and modifications can be made therein, these variations and modifications are also considered as protection scope of the present invention.
Claims (10)
1. a kind of method of quick lock in bank card characterized by comprising
When receive settlement system transmission first message when, obtain wherein carry operation identification information, bank card information and
With the telephone number of bank card information binding；
If determining the first message for locking bank card request message, with preset spy according to the operation identification information
Different urgency traffic number initiates to dial as calling number to the telephone number；
When a call request is received, off-hook and by authentication service functional entity to the terminal carry out authentication, it is described
Call request is initiated after the corresponding terminal of the telephone number passes through special emergency service number certification；
If being verified to the terminal identity, the second message for carrying the bank card information is sent to the terminal, with
Make whether the corresponding user of the query field of terminal locks corresponding bank card；
When receiving the feedback result for whether locking bank card that the terminal returns, by the feedback result and the operation
Identification information is sent to the settlement system, so that the settlement system is according to the operation identification information and the feedback result
Corresponding bank card is handled.
2. the method as described in claim 1, which is characterized in that using preset special emergency service number as calling number
After initiating dialing to the corresponding terminal of the user information, the method also includes: when the terminal off-hook, generate random
Number, and the random number is sent to the terminal；
The random number is also carried in the second message, so that the terminal judges that the random number that this is received connects with previous
Whether the random number received is identical, and inquires whether corresponding user locks corresponding bank card when identical.
3. a kind of method of quick lock in bank card characterized by comprising
When receiving the call request that calling number is special emergency service number, off-hook and on-hook；
The special emergency service number is authenticated, if certification passes through, initiates call request to the special emergency service number,
So that network opening functional entity carries out authentication to this equipment by authentication service functional entity；
The second message that network opening functional entity is sent is received, the bank card information wherein carried is obtained；
Prompt information is issued, to ask the user whether to lock corresponding bank card；
If receiving the feedback result of user in preset duration, the feedback result is sent to the network opening function
Entity, so that the feedback result and the operation identification information are sent to the settlement system by network opening functional entity,
So that the settlement system is handled corresponding bank card according to the operation identification information and the feedback result.
4. method as claimed in claim 3, which is characterized in that after off-hook, before on-hook, the method also includes: it connects
It receives and saves random number；
Also carry random number in the second message, it is described receive the second message that network opening functional entity is sent after, hair
Out before prompt information, the method also includes:
Obtain the random number in the second message；
Judge whether random number that this is received and the previous random number received are identical；
The sending prompt information, comprising: if whether this random number for receiving and the previous random number received are identical,
Issue prompt information.
5. the method as claimed in claim 3 or 4, which is characterized in that the method also includes:
If not receiving the feedback result of user in the preset duration, preset default feedback result is sent to described
Network opening functional entity, the default feedback result are locking bank card instruction.
6. a kind of network opening functional entity characterized by comprising receiving module obtains module, judgment module, communication mould
Block, processing module and sending module；
The receiving module is used for, and receives the first message that settlement system is sent；And receive that the terminal returns whether lock
Determine the feedback result of bank card；
The acquisition module is used for, obtain the operation identification information carried in the first message, bank card information and with it is described
The telephone number of bank card information binding；
Judgment module is used for, and judges whether the first message is that locking bank card request disappears according to the operation identification information
Breath；
The communication module is used for, when the judgment module judges the first message to lock bank card request message,
It initiates to dial using preset special emergency service number as calling number to the telephone number；And receive call request
And off-hook, the call request are sent out after the corresponding terminal of the telephone number passes through special emergency service number certification
It rises；
The processing module is used for, and carries out authentication to the terminal by authentication service functional entity；
The sending module is used for, and when being verified to the terminal identity, Xiang Suoshu terminal, which is sent, carries the bank card
The second message of information, so that whether the corresponding user of the query field of terminal locks corresponding bank card；And by the reception
The feedback result and the operation identification information that module receives are sent to the settlement system so that the settlement system according to
The operation identification information and the feedback result handle corresponding bank card.
7. network opening functional entity as claimed in claim 6, which is characterized in that it further include generation module, the generation mould
Block is used for, and when the terminal off-hook, generates random number；
The sending module is also used to, and Xiang Suoshu terminal sends the random number；
The random number is also carried in the second message, so that the terminal judges that the random number that this is received connects with previous
Whether the random number received is identical, and inquires whether corresponding user locks corresponding bank card when identical.
8. a kind of terminal device characterized by comprising communication module, receiving module, obtains module, prompt mould at authentication module
Block, judgment module and sending module；
The communication module is used for, and when receiving the call request that calling number is special emergency service number, off-hook is simultaneously hung
Machine；And when the authentication module authenticates the special emergency service number and passes through, Xiang Suoshu special emergency service number hair
Call request is played, so that network opening functional entity carries out authentication to this equipment by authentication service functional entity；
The authentication module is used for, and authenticates the special emergency service number；
The receiving module is used for, and receives the second message that network opening functional entity is sent；
The acquisition module is used for, and obtains the bank card information carried in the second message；
The cue module is used for, and prompt information is issued, to ask the user whether to lock corresponding bank card；
The judgment module is used for, and judges the feedback result that user whether is received in preset duration；
The sending module is used for, when the judgment module is judged to receive the feedback result of user in preset duration,
The feedback result is sent to the network opening functional entity so that network opening functional entity by the feedback result and
The operation identification information is sent to the settlement system, so that the settlement system is according to the operation identification information and described
Feedback result handles corresponding bank card.
9. terminal device as claimed in claim 8, which is characterized in that the receiving module is also used to, after off-hook, on-hook
Random number is received and saved before；
The acquisition module is also used to, the receiving module receive network opening functional entity transmission second message it
Afterwards, before the cue module issues prompt information, the random number in the second message is obtained；
The judgment module is also used to, and judges whether random number that this is received and the previous random number received are identical；
The cue module is specifically used for, when the judgment module judges random number that this is received and previous receives
When random number is identical, prompt information is issued.
10. terminal device as claimed in claim 8 or 9, which is characterized in that the sending module is also used to, when the judgement
When module is judged not receive the feedback result of user in preset duration, preset default feedback result is sent to described
Network opening functional entity, the default feedback result are locking bank card instruction.
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| CN201910785460.2A CN110503424B (en) | 2019-08-23 | 2019-08-23 | Method and device for rapidly locking bank card |
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| CN201910785460.2A CN110503424B (en) | 2019-08-23 | 2019-08-23 | Method and device for rapidly locking bank card |
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| CN110503424B CN110503424B (en) | 2022-03-18 |
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| CN110503424B (en) | 2022-03-18 |
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