CN113347582A - Loss reporting method and device for bank card agency - Google Patents
Loss reporting method and device for bank card agency Download PDFInfo
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- CN113347582A CN113347582A CN202110636687.8A CN202110636687A CN113347582A CN 113347582 A CN113347582 A CN 113347582A CN 202110636687 A CN202110636687 A CN 202110636687A CN 113347582 A CN113347582 A CN 113347582A
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/12—Messaging; Mailboxes; Announcements
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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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
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/30—Services specially adapted for particular environments, situations or purposes
- H04W4/35—Services specially adapted for particular environments, situations or purposes for the management of goods or merchandise
Abstract
The invention discloses a method and a device for reporting loss by a bank card agent, relating to the technical field of mobile interconnection, wherein the method comprises the following steps: receiving a proxy loss report instruction sent by a proxy in a 5G message; performing identity authentication on the agent in a preset mode, wherein the preset mode comprises transfer record authentication, call record authentication and/or secret protection problem authentication; if the identity authentication is passed, prompting the agent to input the transaction password of the bank card to be lost by using a 5G message; when a first transaction password sent by a sponsor in a 5G message is received, the first transaction password is compared with a second transaction password reserved in a bank; and if the first transaction password is the same as the second transaction password, performing loss reporting operation on the bank card to be lost. The invention can realize the deputy loss of others and avoid the capital loss of customers when the customer identity card and the bank card are lost simultaneously and the bank card can not be reported to the bank business network in person.
Description
Technical Field
The invention relates to the technical field of mobile interconnection, in particular to a method and a device for reporting loss by a bank card agent.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
The cardholder may apply to the bank for a loss due to a debit card being lost for a variety of reasons. The debit card loss is divided into a temporary loss and a formal loss, wherein the formal loss comprises three conditions of card loss, password loss and simultaneous loss of cards and passwords.
At present, the loss of the bank card of a client can only be temporarily reported through a telephone/online bank/mobile phone bank/counter, and if the loss needs to be formally reported and needs to be handled by others, the loss must be reported to a business outlet by carrying the valid identity documents of the two parties. Under special circumstances, the identity card and the bank card may be lost together, so that when a customer inconveniently goes to a business outlet, the loss report cannot be realized by others, great inconvenience is brought to the customer, and meanwhile, if the loss cannot be reported in time, the fund loss of the customer can also be caused.
Disclosure of Invention
The embodiment of the invention provides a loss reporting method for a bank card agent, which is used for realizing the loss reporting of other people when a customer identity card and a bank card are lost simultaneously and the bank card cannot go to a bank business office in person for carrying out the loss reporting of the bank card, and avoiding the capital loss of the customer, and comprises the following steps:
receiving a proxy loss reporting instruction sent by a proxy through a 5G message, wherein the proxy loss reporting instruction comprises a card number of a bank card to be lost;
performing identity authentication on the agent in a preset mode, wherein the preset mode comprises transfer record authentication, call record authentication and/or secret protection problem authentication;
if the identity authentication is passed, prompting the agent to input the transaction password of the bank card to be lost by using a 5G message;
when a first transaction password sent by a sponsor in a 5G message is received, the first transaction password is compared with a second transaction password reserved in a bank, and the second transaction password is obtained by inquiring a card number of a bank card to be lost;
and if the first transaction password is the same as the second transaction password, performing loss reporting operation on the bank card to be lost.
The embodiment of the invention also provides a device for reporting loss by proxy of a bank card, which is used for realizing the reporting loss by proxy of other people and avoiding the fund loss of a client when the client identity card and the bank card are lost simultaneously and the bank card cannot go to a bank business office in person for reporting loss of the bank card, and the device comprises:
the communication module is used for receiving a proxy loss reporting instruction sent by a proxy person in a 5G message, wherein the proxy loss reporting instruction comprises a card number of a bank card to be lost;
the identity authentication module is used for authenticating the identity of the agent in a preset mode, wherein the preset mode comprises transfer record authentication, call record authentication and/or secret protection problem authentication;
the communication module is also used for prompting the agent to input the transaction password of the bank card to be lost by using a 5G message when the identity authentication is passed;
the comparison module is used for comparing the first transaction password with a second transaction password reserved in a bank when the communication module receives the first transaction password sent by the agent in a 5G message, wherein the second transaction password is obtained by inquiring a card number of a bank card to be lost;
and the loss reporting module is used for executing loss reporting operation on the bank card to be lost when the first transaction password is the same as the second transaction password.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the loss reporting method by the bank card.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the method for reporting a loss by using a bank card is stored in the computer-readable storage medium.
In the embodiment of the invention, when a deputy loss report instruction sent by a deputy is received, identity authentication is carried out on the deputy, the adopted identity authentication mode comprises transfer record authentication, call record authentication and/or secret protection problem authentication, and the deputy is confirmed to be associated with a bank card owner through modes such as transfer record, call record, secret protection problem and the like; and then when the sponsor inputs the correct bank card transaction password, the loss reporting operation of the bank card to be reported is executed. Therefore, the identity authentication confirms that the agent is a legal agent, so that the agent does not need to hold the identity card of the bank card owner to handle the bank card loss, and particularly, when the identity card of the bank card owner and the bank card are lost simultaneously and the bank card owner cannot go to a bank outlet to handle the bank card loss in person, the agent can handle the bank card loss in time conveniently, and thus, the fund loss of a client is avoided.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a flowchart illustrating a method for reporting a loss by a bank card;
FIG. 2 is a flow chart of another method for handling loss by bank card according to an embodiment of the present invention;
FIG. 3 is a flow chart of another method for handling loss by bank card according to an embodiment of the present invention;
FIG. 4 is a flow chart of another method for handling loss by bank card according to the embodiment of the present invention;
FIG. 5 is a schematic structural diagram illustrating an apparatus for handling loss by bank card according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
An embodiment of the present invention provides a method for handling loss reporting by a bank card, as shown in fig. 1, the method includes the following steps 101 to 105:
The 5G message is the upgrade of the short message service, is a basic telecommunication service of an operator, realizes the leap of service experience based on the IP technology, and has more supported media formats and richer expression forms.
And 102, performing identity authentication on the agent in a preset mode, wherein the preset mode comprises transfer record authentication, call record authentication and/or secret protection problem authentication.
Specifically, as shown in fig. 2, the identity authentication of the agent in step 102 in a preset manner may be performed as follows in steps 201 to 203:
Because the transaction record containing the auxiliary card number and the to-be-reported-loss bank card passes the authentication, before the auxiliary card number sent by the agent is received, the agent can be prompted to input the bank card number which has the transfer record with the to-be-reported-loss bank card as the auxiliary card number, and therefore the speed of passing the identity authentication is improved.
The specified time period may be considered a setting, such as a setting of half a year or 3 months.
In another implementation, as shown in fig. 3, after the step 202 of determining whether the transaction record includes the transaction record of the card number to be reported and the auxiliary card number, the following steps 301 to 303 may be further performed:
Wherein, the appointed mobile phone number is the mobile phone number of the agent sending the agent loss reporting instruction.
That is, if the transfer record authentication is not passed, the call record authentication is performed.
The target time period is set to facilitate confirmation that the agent has contacted with the bank card owner in a near time, and compared with the contact before the far time, the agent having contact in the near time is more likely to be associated with the bank card owner, and the agent has higher possibility of obtaining the authorization of the bank card owner to carry out the agent loss report.
When authorized by the agent, the operator can inquire the call record of the appointed mobile phone number.
In the embodiment of the invention, the call record can be limited to be a connected call record so as to ensure that the effective communication between the agent and the bank card owner occurs.
In another implementation, if the sponsor denies authorization, a subsequent privacy problem authentication procedure may be performed.
And step 303, if the identity authentication is included, confirming that the sponsor passes the identity authentication.
In another implementation manner, as shown in fig. 4, after step 302 is executed to determine whether the call record includes a call record of a mobile phone number that is bound to a to-be-lost bank card, the following steps 401 to 403 may also be executed:
The secret protection question and the secret protection question answer are preset by the bank card owner.
In another implementation mode, if the bank card owner does not set the secret protection problem, only account transfer record authentication and call record authentication are carried out, and if the account transfer record authentication and the call record authentication do not pass, the sponsor is confirmed to fail identity authentication.
And 403, if the answer of the secret protection question sent by the agent is correct, confirming that the agent passes the identity authentication.
In another implementation, if the secret protection question sent by the agent is wrong, the agent is confirmed to be not authenticated.
It should be noted that, the flow of identity authentication is introduced in the specific sequence of transfer record authentication, call record authentication, and privacy problem authentication, and besides the specific sequence, three kinds of flow of identity authentication may be executed in any sequence, and when each mode fails, another authentication mode is used until the authentication passes, or when all three authentication modes are executed, the authentication fails, and a result of whether the authentication passes is obtained. For example, the problem of secret security is authenticated, if the authentication fails, the call record is authenticated, and if the authentication fails, the transfer record is authenticated; or, the communication record authentication is firstly carried out, the transfer record authentication is not carried out again when the authentication is not passed, and the secret protection problem authentication is carried out when the authentication is not passed again.
And 103, if the identity authentication is passed, prompting the agent to input the transaction password of the bank card to be lost by using a 5G message.
If the identity authentication is not passed, the 5G message prompts that the agent is not passed the identity authentication, and the identity card loss reporting operation cannot be continuously executed.
In addition, the agent can be prompted to perform the operation of registering the loss after transferring the account to the bank card to be registered or calling the mobile phone number bound with the bank card to be registered, so that the identity authentication can be passed.
And 104, comparing the first transaction password with a second transaction password reserved in the bank when the first transaction password sent by the agent in the 5G message is received.
And the second transaction password is obtained by inquiring the card number of the bank card to be lost.
And 105, if the first transaction password is the same as the second transaction password, performing loss reporting operation on the bank card to be lost.
In another implementation, if the first transaction password is different from the second transaction password, the agent is notified of the transaction password input error in a 5G message, and is prompted to re-input the transaction password or terminate the loss reporting operation.
If the agent chooses to re-input the transaction password, checking whether the transaction password re-input by the agent is the same as the second transaction password, and if so, executing loss report operation; if the password is different from the password, the agent is informed of the transaction password input error again, and whether the password is input again or not is prompted or the loss reporting operation is terminated.
In the above method, the agent is allowed to re-input the transaction password considering that the agent may have wrongly input the password due to misclassification or hand mistake; however, considering that there may be an illegal agent who steals the bank card password of the customer by trying for a plurality of times to be correct, in order to avoid such a situation, the maximum number of times that the password is allowed to be re-input may be set, and if the number of times is exceeded, the loss report operation flow is forcibly terminated.
After the loss reporting operation process is terminated forcibly, a short message, an APP notification message and the like can be sent to a mobile phone number bound by the bank card to notify the bank card of a customer that loss reporting operation is being executed, and if the loss reporting operation is not authorized by the customer, the safety of funds can be guaranteed by modifying a transaction password and the like.
In the embodiment of the invention, when a deputy loss report instruction sent by a deputy is received, identity authentication is carried out on the deputy, the adopted identity authentication mode comprises transfer record authentication, call record authentication and/or secret protection problem authentication, and the deputy is confirmed to be associated with a bank card owner through modes such as transfer record, call record, secret protection problem and the like; and then when the sponsor inputs the correct bank card transaction password, the loss reporting operation of the bank card to be reported is executed. Therefore, the identity authentication confirms that the agent is a legal agent, so that the agent does not need to hold the identity card of the bank card owner to handle the bank card loss, and particularly, when the identity card of the bank card owner and the bank card are lost simultaneously and the bank card owner cannot go to a bank outlet to handle the bank card loss in person, the agent can handle the bank card loss in time conveniently, and thus, the fund loss of a client is avoided.
The embodiment of the invention also provides a device for handling loss reporting by the bank card, which is described in the following embodiment. Because the principle of solving the problems of the device is similar to the loss reporting method of the bank card, the implementation of the device can refer to the implementation of the loss reporting method of the bank card, and repeated parts are not described again.
As shown in fig. 5, the apparatus 500 includes a communication module 501, an identity authentication module 502, a comparison module 503, and a loss reporting module 504.
The communication module 501 is configured to receive a commission loss reporting instruction sent by a sponsor in a 5G message, where the commission loss reporting instruction includes a card number of a bank card to be lost;
the identity authentication module 502 is used for performing identity authentication on the sponsor in a preset mode, wherein the preset mode comprises transfer record authentication, call record authentication and/or secret protection problem authentication;
the communication module 501 is further configured to prompt the agent to input a transaction password of the bank card to be lost through a 5G message when the identity authentication passes;
the comparison module 503 is configured to compare the first transaction password with a second transaction password reserved in the bank when the communication module 501 receives the first transaction password sent by the agent in a 5G message, where the second transaction password is obtained by querying a card number of a bank card to be lost;
and the loss reporting module 504 is configured to perform a loss reporting operation on the to-be-reported-loss bank card when the first transaction password is the same as the second transaction password.
In an implementation manner of the embodiment of the present invention, the identity authentication module 502 is configured to:
receiving an auxiliary card number sent by a sponsor in a 5G message;
inquiring the transaction record of the bank card to be reported for loss in a specified time period, and determining whether the transaction record contains the transaction record of the card number to be reported for loss and the auxiliary card number;
and if the transaction record contains the transaction record of the card number to be reported lost and the auxiliary card number, the identity authentication of the agent is confirmed.
In an implementation manner of the embodiment of the present invention, the identity authentication module 502 is further configured to:
if the transaction record does not contain the transaction record of the card number to be reported with the loss and the auxiliary card number, prompting the agent to grant the authority of specifying the call record of the mobile phone number in the query target time period by using a 5G message, and specifying the mobile phone number as the mobile phone number of sending a loss reporting instruction for the agent;
when an authorization instruction sent by a sponsor through a 5G message is received, inquiring a call record of a specified mobile phone number in a target time period, and determining whether the call record contains a call record of the specified mobile phone number and a mobile phone number bound with a bank card to be lost;
and if so, confirming that the sponsor passes the identity authentication.
In an implementation manner of the embodiment of the present invention, the identity authentication module 502 is further configured to:
if not, sending the secret protection problem of the bank card to be lost to the sponsor by using a 5G message;
receiving the answers of the secret protection questions sent by the agent, and comparing the answers of the secret protection questions with the answers of the secret protection questions reserved in the bank;
and if the secret protection question sent by the agent is correct in answer, confirming that the agent passes the identity authentication.
In the embodiment of the invention, when a deputy loss report instruction sent by a deputy is received, identity authentication is carried out on the deputy, the adopted identity authentication mode comprises transfer record authentication, call record authentication and/or secret protection problem authentication, and the deputy is confirmed to be associated with a bank card owner through modes such as transfer record, call record, secret protection problem and the like; and then when the sponsor inputs the correct bank card transaction password, the loss reporting operation of the bank card to be reported is executed. Therefore, the identity authentication confirms that the agent is a legal agent, so that the agent does not need to hold the identity card of the bank card owner to handle the bank card loss, and particularly, when the identity card of the bank card owner and the bank card are lost simultaneously and the bank card owner cannot go to a bank outlet to handle the bank card loss in person, the agent can handle the bank card loss in time conveniently, and thus, the fund loss of a client is avoided.
An embodiment of the present invention further provides a computer device, and fig. 6 is a schematic diagram of the computer device in the embodiment of the present invention, where the computer device is capable of implementing all steps in the method for handling loss by using a bank card in the embodiment of the present invention, and the computer device specifically includes the following contents:
a processor (processor)601, a memory (memory)602, a communication Interface (Communications Interface)603, and a communication bus 604;
the processor 601, the memory 602 and the communication interface 603 complete mutual communication through the communication bus 604; the communication interface 603 is used for implementing information transmission between related devices;
the processor 601 is configured to call a computer program in the memory 602, and when the processor executes the computer program, the processor implements the method for handling loss report of bank card in the above embodiments.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the method for reporting a loss by using a bank card is stored in the computer-readable storage medium.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (10)
1. A method for handling loss reporting by a bank card, the method comprising:
receiving a proxy loss reporting instruction sent by a proxy through a 5G message, wherein the proxy loss reporting instruction comprises a card number of a bank card to be lost;
performing identity authentication on the agent in a preset mode, wherein the preset mode comprises transfer record authentication, call record authentication and/or secret protection problem authentication;
if the identity authentication is passed, prompting the agent to input the transaction password of the bank card to be lost by using a 5G message;
when a first transaction password sent by a sponsor in a 5G message is received, the first transaction password is compared with a second transaction password reserved in a bank, and the second transaction password is obtained by inquiring a card number of a bank card to be lost;
and if the first transaction password is the same as the second transaction password, performing loss reporting operation on the bank card to be lost.
2. The method of claim 1, wherein authenticating the agent in a predetermined manner comprises:
receiving an auxiliary card number sent by a sponsor in a 5G message;
inquiring the transaction record of the bank card to be reported for loss in a specified time period, and determining whether the transaction record contains the transaction record of the card number to be reported for loss and the auxiliary card number;
and if the transaction record contains the transaction record of the card number to be reported lost and the auxiliary card number, the identity authentication of the agent is confirmed.
3. The method of claim 2, wherein after determining whether the transaction record includes a transaction record for the card number to be reported away and the auxiliary card number, the method further comprises:
if the transaction record does not contain the transaction record of the card number to be reported with the loss and the auxiliary card number, prompting the agent to grant the authority of specifying the call record of the mobile phone number in the query target time period by using a 5G message, wherein the specified mobile phone number is the mobile phone number for sending a loss reporting instruction for the agent;
when an authorization instruction sent by a sponsor through a 5G message is received, inquiring a call record of a specified mobile phone number in a target time period, and determining whether the call record contains a call record of the specified mobile phone number and a mobile phone number bound with a bank card to be lost;
and if so, confirming that the sponsor passes the identity authentication.
4. The method of claim 3, wherein after determining whether the call log includes a call log specifying a cell phone number to which the bank card to be lost is bound, the method further comprises:
if not, sending the secret protection problem of the bank card to be lost to the sponsor by using a 5G message;
receiving the answers of the secret protection questions sent by the agent, and comparing the answers of the secret protection questions with the answers of the secret protection questions reserved in the bank;
and if the secret protection question sent by the agent is correct in answer, confirming that the agent passes the identity authentication.
5. A device for handling loss reporting by a bank card, the device comprising:
the communication module is used for receiving a proxy loss reporting instruction sent by a proxy person in a 5G message, wherein the proxy loss reporting instruction comprises a card number of a bank card to be lost;
the identity authentication module is used for authenticating the identity of the agent in a preset mode, wherein the preset mode comprises transfer record authentication, call record authentication and/or secret protection problem authentication;
the communication module is also used for prompting the agent to input the transaction password of the bank card to be lost by using a 5G message when the identity authentication is passed;
the comparison module is used for comparing the first transaction password with a second transaction password reserved in a bank when the communication module receives the first transaction password sent by the agent in a 5G message, wherein the second transaction password is obtained by inquiring a card number of a bank card to be lost;
and the loss reporting module is used for executing loss reporting operation on the bank card to be lost when the first transaction password is the same as the second transaction password.
6. The apparatus of claim 5, wherein the identity authentication module is configured to:
receiving an auxiliary card number sent by a sponsor in a 5G message;
inquiring the transaction record of the bank card to be reported for loss in a specified time period, and determining whether the transaction record contains the transaction record of the card number to be reported for loss and the auxiliary card number;
and if the transaction record contains the transaction record of the card number to be reported lost and the auxiliary card number, the identity authentication of the agent is confirmed.
7. The apparatus of claim 6, wherein the identity authentication module is further configured to:
if the transaction record does not contain the transaction record of the card number to be reported with the loss and the auxiliary card number, prompting the agent to grant the authority of specifying the call record of the mobile phone number in the query target time period by using a 5G message, wherein the specified mobile phone number is the mobile phone number for sending a loss reporting instruction for the agent;
when an authorization instruction sent by a sponsor through a 5G message is received, inquiring a call record of a specified mobile phone number in a target time period, and determining whether the call record contains a call record of the specified mobile phone number and a mobile phone number bound with a bank card to be lost;
and if so, confirming that the sponsor passes the identity authentication.
8. The apparatus of claim 7, wherein the identity authentication module is further configured to:
if not, sending the secret protection problem of the bank card to be lost to the sponsor by using a 5G message;
receiving the answers of the secret protection questions sent by the agent, and comparing the answers of the secret protection questions with the answers of the secret protection questions reserved in the bank;
and if the secret protection question sent by the agent is correct in answer, confirming that the agent passes the identity authentication.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
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| CN202110636687.8A CN113347582B (en) | 2021-06-08 | 2021-06-08 | Loss reporting method and device for bank card agency |
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Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101140672A (en) * | 2007-10-23 | 2008-03-12 | 张师祝 | Method for indentifying true identification of bank card owner |
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| CN101140672A (en) * | 2007-10-23 | 2008-03-12 | 张师祝 | Method for indentifying true identification of bank card owner |
| CN106612252A (en) * | 2015-10-22 | 2017-05-03 | 阿里巴巴集团控股有限公司 | Account protection method and device |
| WO2018070611A1 (en) * | 2016-10-14 | 2018-04-19 | 엘지전자 주식회사 | Mobile terminal and method for controlling same |
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