CN111767535A - Method and device for resetting bank card password online - Google Patents
Method and device for resetting bank card password online Download PDFInfo
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- CN111767535A CN111767535A CN202010559064.0A CN202010559064A CN111767535A CN 111767535 A CN111767535 A CN 111767535A CN 202010559064 A CN202010559064 A CN 202010559064A CN 111767535 A CN111767535 A CN 111767535A
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- G—PHYSICS
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- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/45—Structures or tools for the administration of authentication
- G06F21/46—Structures or tools for the administration of authentication by designing passwords or checking the strength of passwords
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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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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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
- G06Q20/38—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
- G06Q20/409—Device specific authentication in transaction processing
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
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- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
Abstract
The invention discloses a method and a device for resetting bank card passwords on line, and relates to the technical field of computers. One embodiment of the method comprises: receiving a bank card number of a password to be reset input by a user, and inquiring verification information corresponding to the card number; acquiring a second key value input by a user aiming at the key name, and comparing whether the first key value is the same as the second key value; and if the comparison result is the same, determining that the user identity information corresponds to the card number, and further resetting the password of the bank card based on the password input by the user. The implementation mode realizes user identity authentication based on a remote mode, ensures the safety and fund safety of the withdrawal password of the bank card, can complete the password resetting function without the need of on-site handling at a bank branch, reduces the time cost of a user, and improves the user experience.
Description
Technical Field
The invention relates to the technical field of internet, in particular to a method and a device for resetting a bank card password online.
Background
The bank card holder forgets the withdrawal password, but when the bank card is urgently needed to be used for withdrawal or transfer, the existing method is that the holder carries the identity card and the bank card to a bank network to take a number and queue, network staff verify that the holder is the holder on site, and then transact the service of resetting the withdrawal password for the user.
The existing method needs a user to transact on site at a bank outlet, the bank outlet does not realize full coverage of all areas, working hours are nine nights and five nights, after an intelligent teller machine is popularized, the bank outlet usually only opens one counter to provide manual service, and the user queue waiting time is long. In special periods such as new crown epidemic situation, the user can not go out, the bank outlets do not work, and the user can not reset the withdrawal password on site when going to the bank outlets.
Disclosure of Invention
In view of the above, embodiments of the present invention provide a method and an apparatus for resetting a bank card password online, which can at least solve the problem that a cardholder needs to go to a banking outlet to reset a withdrawal password on site.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided an online resetting method of a bank card password, including:
receiving a bank card number of a password to be reset input by a user, and inquiring verification information corresponding to the card number; the verification information comprises a key name and a first key value;
acquiring a second key value input by a user aiming at the key name, and comparing whether the first key value is the same as the second key value;
and if the comparison result is the same, determining that the user identity information corresponds to the card number, and further resetting the password of the bank card based on the password input by the user.
Optionally, the verification information includes static information, and the static information is user basic information and/or bank card basic information.
Optionally, the verification information includes dynamic information, where the dynamic information includes bank card transaction information, credit card information/loan information/financing product information corresponding to the user;
the obtaining a second key value input by the user for the key name, and comparing whether the first key value and the second key value are the same, includes:
acquiring a second account balance input by a user aiming at the bank card, and comparing whether the difference value of the inquired first account balance and the second account balance is within a preset range; and/or
Acquiring second transaction information input by a user aiming at the latest operation of the bank card, and comparing whether the inquired first transaction information is the same as the second transaction information; and/or
Acquiring third transaction information and third account balance input by a user aiming at the latest operation of a credit card, and comparing whether the third transaction information and the inquired fourth transaction information are the same or not, and the third account balance and the inquired fourth account balance are the same; and/or
Acquiring second loan information input by a user, and comparing whether the inquired first loan information is the same as the second loan information; and/or
And acquiring second financial product information input by a user, and comparing whether the inquired first financial product information is the same as the second financial product information.
Optionally, the verification information is first voiceprint information, and the first voiceprint information corresponds to a preset text;
the obtaining a second key value input by the user for the key name, and comparing whether the first key value and the second key value are the same, includes:
and acquiring second voiceprint information input by the user aiming at the text, and comparing whether the inquired first voiceprint information is the same as the second voiceprint information.
Optionally, the verification information is first face information;
the obtaining a second key value input by the user for the key name, and comparing whether the first key value and the second key value are the same, includes:
the method comprises the steps of collecting current second face information of a user, identifying second face features in the second face information, and comparing whether first face features in the first face information are the same as the second face features.
Optionally, before the password resetting of the bank card based on the password input by the user, the method further includes:
and triggering an authentication code authentication link to send a first authentication code to a user, then receiving a second authentication code input by the user, and if the first authentication code is the same as the second authentication code, resetting the password of the bank card based on the password input by the user.
Optionally, the resetting the password of the bank card based on the password input by the user includes:
and acquiring the password input by the user, and if the password input for the first time is the same as the password input for the second time, resetting the password of the bank card based on the password.
Optionally, the method is applied to telephone banking manual customer service.
In order to achieve the above object, according to another aspect of the embodiments of the present invention, there is provided an apparatus for resetting a bank card password online, including:
the inquiry module is used for receiving a bank card number of a password to be reset input by a user and inquiring verification information corresponding to the card number; the verification information comprises a key name and a first key value;
the verification module is used for acquiring a second key value input by a user aiming at the key name and comparing whether the first key value and the second key value are the same or not;
and the resetting module is used for determining that the user identity information corresponds to the card number if the comparison result is the same, and further resetting the password of the bank card based on the password input by the user.
Optionally, the verification information includes static information, and the static information is user basic information and/or bank card basic information.
Optionally, the verification information includes dynamic information, where the dynamic information includes bank card transaction information, credit card information/loan information/financing product information corresponding to the user;
the verification module is configured to:
acquiring a second account balance input by a user aiming at the bank card, and comparing whether the difference value of the inquired first account balance and the second account balance is within a preset range; and/or
Acquiring second transaction information input by a user aiming at the latest operation of the bank card, and comparing whether the inquired first transaction information is the same as the second transaction information; and/or
Acquiring third transaction information and third account balance input by a user aiming at the latest operation of a credit card, and comparing whether the third transaction information and the inquired fourth transaction information are the same or not, and the third account balance and the inquired fourth account balance are the same; and/or
Acquiring second loan information input by a user, and comparing whether the inquired first loan information is the same as the second loan information; and/or
And acquiring second financial product information input by a user, and comparing whether the inquired first financial product information is the same as the second financial product information.
Optionally, the verification information is first voiceprint information, and the first voiceprint information corresponds to a preset text;
the verification module is configured to: and acquiring second voiceprint information input by the user aiming at the text, and comparing whether the inquired first voiceprint information is the same as the second voiceprint information.
Optionally, the verification information is first face information;
the verification module is configured to: the method comprises the steps of collecting current second face information of a user, identifying second face features in the second face information, and comparing whether first face features in the first face information are the same as the second face features.
Optionally, the reset module is further configured to: and triggering an authentication code authentication link to send a first authentication code to a user, then receiving a second authentication code input by the user, and if the first authentication code is the same as the second authentication code, resetting the password of the bank card based on the password input by the user.
Optionally, the reset module is configured to: and acquiring the password input by the user, and if the password input for the first time is the same as the password input for the second time, resetting the password of the bank card based on the password.
Optionally, the device is applied to telephone bank manual customer service.
To achieve the above object, according to still another aspect of the embodiments of the present invention, there is provided an electronic device for resetting a bank card password online.
The electronic device of the embodiment of the invention comprises: one or more processors; and the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors realize any one of the above-mentioned methods for resetting the bank card password online.
To achieve the above object, according to a further aspect of the embodiments of the present invention, there is provided a computer readable medium having a computer program stored thereon, the computer program, when executed by a processor, implementing any one of the above-mentioned methods for resetting a bank card password online.
According to the scheme provided by the invention, one embodiment of the invention has the following advantages or beneficial effects: the user identity authentication is realized based on a remote mode, the safety and fund safety of the withdrawal password of the bank card are ensured, the password resetting function can be completed without the need of on-site handling of the user at a bank outlet, the time cost of the user is reduced, and the user experience and the loyalty to a bank are improved.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic main flow chart of a method for resetting a bank card password online according to an embodiment of the invention;
FIG. 2 is a flow chart illustrating an alternative method for resetting bank card passwords online according to an embodiment of the present invention;
FIG. 3 is a flow chart illustrating an alternative method for resetting bank card passwords online according to an embodiment of the present invention;
FIG. 4 is a flow chart illustrating an alternative method for resetting bank card passwords online according to an embodiment of the present invention;
FIG. 5 is a flow chart illustrating an alternative method for resetting bank card passwords online according to an embodiment of the present invention;
FIG. 6 is a schematic diagram of the main modules of an apparatus for resetting the bank card password online according to an embodiment of the present invention;
FIG. 7 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
FIG. 8 is a schematic block diagram of a computer system suitable for use with a mobile device or server implementing an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Referring to fig. 1, a main flowchart of a method for resetting a bank card password online according to an embodiment of the present invention is shown, which includes the following steps:
s101: receiving a bank card number of a password to be reset input by a user, and inquiring verification information corresponding to the card number; the verification information comprises a key name and a first key value;
s102: acquiring a second key value input by a user aiming at the key name, and comparing whether the first key value is the same as the second key value;
s103: and if the comparison result is the same, determining that the user identity information corresponds to the card number, and further resetting the password of the bank card based on the password input by the user.
In the above embodiment, in step S101, when the user forgets the bank card password and needs to withdraw cash or transfer money urgently, the bank card withdrawal password may be reset through an on-line (e.g. telephone bank manual customer service) or other instant communication method, and the user does not need to go to a bank outlet to reset the password on site.
The telephone bank is a system provided by a commercial bank and providing services for users in a telephone interaction mode, and comprises an Interactive Voice Response (IVR) and artificial customer service. IVR refers to a service or system that provides self-service voice service for incoming telephone line users, and manual customer service refers to a customer service staff who provides banking business consultation and handling services for users through telephone banking.
The on-line service provides an on-line password resetting function, and corresponding verification information is inquired in the service system according to the card number provided by the user. The verification information and the verification mode in the scheme are various:
1) static information refers to basic information of users and bank cards, such as cardholder names, certificate types, certificate numbers, reserved mobile phone numbers, card validity periods and the like;
2) the dynamic information refers to the latest transaction information of the bank card (and credit card, loan, financing product and the like under the name of the user), including transaction amount, transaction time and the like;
3) combining static information and dynamic information;
4) voiceprint recognition, similar to speech recognition;
5) and (4) face recognition, namely recognizing based on face features in the face.
It should be noted that the static information needs to be confirmed with the user one by one. When the verification information comprises static information and dynamic information, the dynamic information verification link is entered only under the condition that the static information is verified successfully, otherwise, the operation of resetting the withdrawal password is terminated if the verification fails.
For step S102, the storage form of the verification information is both in the form of a key name and a key value pair, i.e. one option (or input box) corresponds to one value, e.g. the balance of the bank card account is-100 yuan.
Regardless of the authentication information, the user needs to input a corresponding key value (i.e., a second key value) for the key name. The service background compares the second key value with the first key value inquired by the service background, and only if the comparison result is the same or similar, the identity of the verified user is determined to be legal. For example, the difference between the account balance input by the user and the inquired account balance is within the range of +/-50.
Here, the user identity is legal, which means that the user is the cardholder himself. In actual operation, the cardholder may not be in the possession of the card or may not be skilled in resetting the password on the operation line, and thus the operation is completed by others, but the relevant user information is still directed to the cardholder himself, and therefore it is finally verified whether the user identification information corresponds to the card number.
Taking the artificial customer service as an example, the artificial seat ensures that the user is the card holder himself by verifying the balance of the bank card of the user, the last transaction time and amount, credit card information (the date of the bill, the last transaction time and amount, and the last bill amount), loan information in the local bank (the name of a loan, the amount of a payment in each month), financial products (the name and the amount of the financial products).
For step S103, after the user identity is verified to be legal, a password resetting link is triggered, and the user inputs a new withdrawal password (usually composed of 6 pure digits) twice under the IVR prompt. If the withdrawal passwords input twice are the same, the password is reset successfully, the operation of resetting the withdrawal password is finished, otherwise, the user is prompted to input the withdrawal password again until the operation times reach the upper limit.
Further, in addition to the verification information, a random verification mode, such as a short message verification code, may be used. If the background service sends a short message verification code (namely a first verification code) to the user according to the mobile phone number reserved by the user in advance, the user inputs a second verification code in the interface through the IVR conference function after receiving the first verification code. And the service background verifies whether the two verification codes are the same or not, passes the verification, enters a password resetting process, sends the short message verification code again if the verification fails, and terminates the password resetting operation if the verification fails for more than 3 times.
It should be noted that the mobile phone number here must be a mobile phone number reserved in the bank card management mechanism by the user in advance, or a mobile phone number reserved by another bank card under the name of the user. The random verification code verification method is used for strengthening verification of whether the user is the cardholder.
The method provided by the embodiment realizes the reset of the withdrawal password of the bank card based on a remote mode, ensures the safety and fund safety of the withdrawal password of the bank card by verifying the identity information of the card holder, can complete the password reset operation without queuing and handling on site at a bank branch, and greatly improves the convenience of service handling.
Referring to fig. 2, a schematic flow chart of an alternative method for resetting a bank card password online according to an embodiment of the present invention is shown, including the following steps:
s201: receiving a bank card number of a password to be reset input by a user, and inquiring static information corresponding to the card number; the static information is user basic information and/or bank card basic information and comprises a key name and a first key value;
s202: acquiring a second key value input by a user aiming at the key name, and comparing whether the first key value is the same as the second key value;
s203: and if the comparison result is the same, determining that the user identity information corresponds to the card number, and further resetting the password of the bank card based on the password input by the user.
In the above embodiment, step S203 can refer to the description of step S103 shown in fig. 1, and is not repeated herein.
In the above embodiment, for the verification of the static information in steps S201 and S202, an information input interface may also be provided, which includes different bank card information input boxes (which may also be in the form of options) and/or user personal information input boxes for the user to input.
And then comparing second key values input by the user aiming at different key names with the first key values inquired at the service background one by one, and if the comparison result meets the expectation, for example, the error rate is less than a preset error rate threshold, determining that the verification is successful and the identity of the user is legal.
The method provided by the embodiment verifies the identity information of the card holder based on the basic information of the user and/or the basic information of the bank card, so that the safety of the withdrawal password and the fund safety of the user are ensured.
Referring to fig. 3, a schematic flow chart of another alternative method for resetting a bank card password online according to an embodiment of the present invention is shown, including the following steps:
s301: receiving a bank card number of a password to be reset input by a user, and inquiring static information and dynamic information corresponding to the card number; the static information is user basic information and/or bank card basic information, and the dynamic information comprises bank card transaction information, credit card information/loan information/financing product information corresponding to a user, and comprises a key name and a first key value;
s302: acquiring a second key value input by a user aiming at the key name, and comparing whether the first key value is the same as the second key value;
s303: and if the comparison result is the same, determining that the user identity information corresponds to the card number, and further resetting the password of the bank card based on the password input by the user.
In the above embodiment, step S303 can refer to the description of step S103 shown in fig. 1, and is not repeated herein.
In the above embodiment, for the steps S301 and S302, the verification of the dynamic information is the verification of the recent transaction condition of the bank card, for example:
1) and account balance verification: whether the second account balance input by the user is the same as or similar to the first account balance inquired in the service system (for example, 50);
2) and (3) transaction detail verification: transaction details of the last operation of the bank card, such as transaction amount and transaction time (including cash withdrawal and consumption);
3) and inquiring the credit card information under the name of the user according to the user information (if a plurality of credit cards exist, the user selects one credit card for verification), and verifying whether the payment date of the credit card, the last transaction time and amount, the last-period bill amount and the like input by the user are consistent with the inquired credit card information.
It should be noted that, since the right limit cannot acquire the credit card of other banks, the credit card is only directed to the same bank card management mechanism, such as a bank building and a working bank.
4) And inquiring loan information under the name of the user, and determining whether the loan name, the loan amount (principal) and the monthly repayment amount input by the user are consistent with the inquired information.
5) And inquiring the financial products under the name of the user, and judging whether the information such as the name of the financial products, the purchase amount and the like input by the user is consistent with the inquired information.
In order to ensure strong security, there are hard indicators for the correctness of the answer questions, such as the above 5 questions, and the answer questions are considered to pass the dynamic information verification only when it is determined that the user replies that 3 questions are correct. Further, the verification may be performed in the order of the above 5 questions one by one, for example, when it is verified that the first three questions reply correctly, or the third verification fails but the fourth verification passes, it is determined that the dynamic information verification is successful.
In actual operation, only the dynamic information may be verified similarly to the static information, or the static information may be verified first, and the dynamic information may be verified again when the static information passes the verification.
The method provided by the embodiment verifies the identity information of the card holder based on the basic information of the user and/or the basic information of the bank card, and continuously verifies the dynamic information of the card holder under the condition of successful verification, thereby ensuring the safety of the withdrawal password and the fund safety of the user.
Referring to fig. 4, a schematic flow chart of an alternative method for resetting a bank card password online according to an embodiment of the present invention is shown, which includes the following steps:
s401: receiving a bank card number of a password to be reset input by a user, and inquiring first voiceprint information corresponding to the card number; the first voiceprint information corresponds to a preset text;
s402: acquiring second voiceprint information input by a user aiming at the text, and comparing whether the inquired first voiceprint information is the same as the second voiceprint information;
s403: and if the comparison result is the same, determining that the user identity information corresponds to the card number, and further resetting the password of the bank card based on the password input by the user.
In the above embodiment, step S403 can refer to the description of step S103 shown in fig. 1, and is not repeated herein.
In the above embodiment, for the steps S401 and S402, in order to have more versatility, the present solution further introduces a voiceprint recognition function, that is, verifies whether the user is the cardholder himself or herself through voiceprint recognition.
The user needs to reserve the first voiceprint information when opening the card, so the server can inquire the voiceprint information according to the card number. When the voiceprint recognition is carried out, the second voiceprint information input by a user aiming at a specific text (can be defaulted by a system or can be generated by the user) can be collected through equipment with a voice collecting function, such as a mobile phone, a computer and the like, and whether the two voiceprint information are the same or not is compared.
The method provided by the embodiment verifies the identity information of the card holder based on the voiceprint information of the user, so that the safety of the withdrawal password and the fund safety of the user are ensured.
Referring to fig. 5, a schematic flow chart of an alternative method for resetting a bank card password online according to an embodiment of the present invention is shown, which includes the following steps:
s501: receiving a bank card number of a password to be reset input by a user, and inquiring first face information corresponding to the card number;
s502: acquiring current second face information of a user, identifying second face features in the second face information, and comparing whether first face features in the first face information are the same as the second face features;
s503: and if the comparison result is the same, determining that the user identity information corresponds to the card number, and further resetting the password of the bank card based on the password input by the user.
In the above embodiment, step S503 can refer to the description of step S103 shown in fig. 1, and is not repeated herein.
In the above embodiment, for steps S501 and S502, in addition to the above voiceprint recognition, the present solution also introduces a face recognition function, that is, it is verified whether the user is the cardholder himself or herself by comparing face features.
At present, the face recognition technology is widely used, and a link of verifying identity information when a user opens a card may include a face acquisition process, so that a service background acquires first face information according to a card number input by the user after receiving a password resetting request of the user.
Then, a device with a camera acquisition function, such as a mobile phone and a computer, is used for acquiring a face image (namely second face information) of the user, comparing the face image with the first face information and judging whether the face characteristics of the two are the same.
The method provided by the embodiment verifies the identity information of the card holder based on the face information of the user, so that the safety of the withdrawal password and the fund safety of the user are ensured.
The method provided by the embodiment of the invention realizes the user identity verification based on the remote mode, ensures the safety and fund safety of the withdrawal password of the bank card, can complete the password resetting function without the need of the user to transact in the site of a bank branch, reduces the time cost of the user, and improves the user experience and the loyalty to the bank. Compared with the prior art, the method also has the following advantages:
1) through multiple identity authentications such as static information, dynamic information, short message verification codes, voiceprint information, face information and the like, the method relates to inquiring detailed information of bank cards, credit card information, loan information, financial product information and the like under the name of a user and ensures that the identity of the user is legal;
2) the bank service system is not limited by the working time of the bank, supports 7x24 hours of service and has strong practicability;
3) the whole operation is convenient and quick, the requirement on the operation capability of a user is low, the adaptability is strong, and the operation can be finished by dialing a bank service hotline.
Referring to fig. 6, a schematic diagram of main modules of an apparatus 600 for resetting a bank card password online according to an embodiment of the present invention is shown, including:
the query module 601 is configured to receive a bank card number of a password to be reset, which is input by a user, and query verification information corresponding to the card number; the verification information comprises a key name and a first key value;
a verification module 602, configured to obtain a second key value input by a user for the key name, and compare whether the first key value and the second key value are the same;
the resetting module 603 is configured to determine that the user identity information corresponds to the card number if the comparison result is the same, and further perform password resetting on the bank card based on a password input by the user.
In the implementation device of the present invention, the verification information includes static information, and the static information is user basic information and/or bank card basic information.
In the implementation device of the invention, the verification information comprises dynamic information, and the dynamic information comprises bank card transaction information, credit card information/loan information/financing product information corresponding to the user;
the verification module 602 is configured to:
acquiring a second account balance input by a user aiming at the bank card, and comparing whether the difference value of the inquired first account balance and the second account balance is within a preset range; and/or
Acquiring second transaction information input by a user aiming at the latest operation of the bank card, and comparing whether the inquired first transaction information is the same as the second transaction information; and/or
Acquiring third transaction information and third account balance input by a user aiming at the latest operation of a credit card, and comparing whether the third transaction information and the inquired fourth transaction information are the same or not, and the third account balance and the inquired fourth account balance are the same; and/or
Acquiring second loan information input by a user, and comparing whether the inquired first loan information is the same as the second loan information; and/or
And acquiring second financial product information input by a user, and comparing whether the inquired first financial product information is the same as the second financial product information.
In the implementation device of the invention, the verification information is first voiceprint information, and the first voiceprint information corresponds to a preset text;
the verification module 602 is configured to: and acquiring second voiceprint information input by the user aiming at the text, and comparing whether the inquired first voiceprint information is the same as the second voiceprint information.
In the implementation device of the invention, the verification information is first face information;
the verification module 602 is configured to: the method comprises the steps of collecting current second face information of a user, identifying second face features in the second face information, and comparing whether first face features in the first face information are the same as the second face features.
In the implementation apparatus of the present invention, the reset module 603 is further configured to:
and triggering an authentication code authentication link to send a first authentication code to a user, then receiving a second authentication code input by the user, and if the first authentication code is the same as the second authentication code, resetting the password of the bank card based on the password input by the user.
In the implementation apparatus of the present invention, the reset module 603 is configured to:
and acquiring the password input by the user, and if the password input for the first time is the same as the password input for the second time, resetting the password of the bank card based on the password.
The implementation device of the invention is applied to the telephone bank manual customer service.
In addition, the detailed implementation of the device in the embodiment of the present invention has been described in detail in the above method, so that the repeated description is not repeated here.
FIG. 7 illustrates an exemplary system architecture 700 to which embodiments of the invention may be applied.
As shown in fig. 7, the system architecture 700 may include terminal devices 701, 702, 703, a network 704 and a server 705 (by way of example only). The network 704 serves to provide a medium for communication links between the terminal devices 701, 702, 703 and the server 705. Network 704 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
A user may use the terminal devices 701, 702, 703 to interact with a server 705 over a network 704, to receive or send messages or the like. Various communication client applications may be installed on the terminal devices 701, 702, and 703.
The terminal devices 701, 702, 703 may be various electronic devices having display screens and supporting web browsing, and the server 705 may be a server providing various services.
It should be noted that the method provided by the embodiment of the present invention is generally executed by the server 705, and accordingly, the apparatus is generally disposed in the server 705.
It should be understood that the number of terminal devices, networks, and servers in fig. 7 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 8, shown is a block diagram of a computer system 800 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 8 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 8, the computer system 800 includes a Central Processing Unit (CPU)801 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM 803, various programs and data necessary for the operation of the system 800 are also stored. The CPU 801, ROM 802, and RAM 803 are connected to each other via a bus 804. An input/output (I/O) interface 805 is also connected to bus 804.
The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage section 808 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The computer program executes the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 801.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes a query module, a validation module, and a reset module. Where the names of these modules do not in some cases constitute a limitation on the module itself, for example, a reset module may also be described as a "password reset module".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:
receiving a bank card number of a password to be reset input by a user, and inquiring verification information corresponding to the card number; the verification information comprises a key name and a first key value;
acquiring a second key value input by a user aiming at the key name, and comparing whether the first key value is the same as the second key value;
and if the comparison result is the same, determining that the user identity information corresponds to the card number, and further resetting the password of the bank card based on the password input by the user.
According to the technical scheme of the embodiment of the invention, the user identity authentication is realized based on the remote mode, the safety and the fund safety of the withdrawal password of the bank card are ensured, the password resetting function can be completed without the need of the user to go to a bank branch for on-site handling, the time cost of the user is reduced, and the user experience and the loyalty to the bank are improved. Compared with the prior art, the method also has the following advantages:
1) through multiple identity authentications such as static information, dynamic information, short message verification codes, voiceprint information, face information and the like, the method relates to inquiring detailed information of bank cards, credit card information, loan information, financial product information and the like under the name of a user and ensures that the identity of the user is legal;
2) the bank service system is not limited by the working time of the bank, supports 7x24 hours of service and has strong practicability;
3) the whole operation is convenient and quick, the requirement on the operation capability of a user is low, the adaptability is strong, and the operation can be finished by dialing a bank service hotline.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (11)
1. A method for resetting bank card password online is characterized by comprising the following steps:
receiving a bank card number of a password to be reset input by a user, and inquiring verification information corresponding to the card number; the verification information comprises a key name and a first key value;
acquiring a second key value input by a user aiming at the key name, and comparing whether the first key value is the same as the second key value;
and if the comparison result is the same, determining that the user identity information corresponds to the card number, and further resetting the password of the bank card based on the password input by the user.
2. The method of claim 1, wherein the authentication information comprises static information, and the static information is user-based information and/or bank card-based information.
3. The method according to claim 1 or 2, wherein the authentication information includes dynamic information including bank card transaction information, credit card information/loan information/financing product information corresponding to a user;
the obtaining a second key value input by the user for the key name, and comparing whether the first key value and the second key value are the same, includes:
acquiring a second account balance input by a user aiming at the bank card, and comparing whether the difference value of the inquired first account balance and the second account balance is within a preset range; and/or
Acquiring second transaction information input by a user aiming at the latest operation of the bank card, and comparing whether the inquired first transaction information is the same as the second transaction information; and/or
Acquiring third transaction information and third account balance input by a user aiming at the latest operation of a credit card, and comparing whether the third transaction information and the inquired fourth transaction information are the same or not, and the third account balance and the inquired fourth account balance are the same; and/or
Acquiring second loan information input by a user, and comparing whether the inquired first loan information is the same as the second loan information; and/or
And acquiring second financial product information input by a user, and comparing whether the inquired first financial product information is the same as the second financial product information.
4. The method of claim 1, wherein the verification information is voiceprint information, the voiceprint information corresponding to a preset text;
the obtaining a second key value input by the user for the key name, and comparing whether the first key value and the second key value are the same, includes:
and acquiring second voiceprint information input by the user aiming at the text, and comparing whether the inquired first voiceprint information is the same as the second voiceprint information.
5. The method according to claim 1, wherein the verification information is first face information;
the obtaining a second key value input by the user for the key name, and comparing whether the first key value and the second key value are the same, includes:
the method comprises the steps of collecting current second face information of a user, identifying second face features in the second face information, and comparing whether first face features in the first face information are the same as the second face features.
6. The method of claim 1, further comprising, prior to the password resetting the bank card based on the password entered by the user:
and triggering an authentication code authentication link to send a first authentication code to a user, then receiving a second authentication code input by the user, and if the first authentication code is the same as the second authentication code, resetting the password of the bank card based on the password input by the user.
7. The method of claim 1, wherein the password resetting the bank card based on the password entered by the user comprises:
and acquiring the password input by the user, and if the password input for the first time is the same as the password input for the second time, resetting the password of the bank card based on the password.
8. The method of claim 1, wherein the method is applied to telephone banking human customer service.
9. An apparatus for resetting a bank card password online, comprising:
the inquiry module is used for receiving a bank card number of a password to be reset input by a user and inquiring verification information corresponding to the card number; the verification information comprises a key name and a first key value;
the verification module is used for acquiring a second key value input by a user aiming at the key name and comparing whether the first key value and the second key value are the same or not;
and the resetting module is used for determining that the user identity information corresponds to the card number if the comparison result is the same, and further resetting the password of the bank card based on the password input by the user.
10. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-8.
11. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-8.
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| CN113489741A (en) * | 2021-07-20 | 2021-10-08 | 深圳市灰度科技有限公司 | Password resetting method and device for Internet of things platform, Internet of things server and medium |
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Effective date of registration: 20220920 Address after: 25 Financial Street, Xicheng District, Beijing 100033 Applicant after: CHINA CONSTRUCTION BANK Corp. Address before: 25 Financial Street, Xicheng District, Beijing 100033 Applicant before: CHINA CONSTRUCTION BANK Corp. Applicant before: Jianxin Financial Science and Technology Co.,Ltd. |