CN113627941A - Method and device for preventing credit card from being stolen - Google Patents

Method and device for preventing credit card from being stolen Download PDF

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Publication number
CN113627941A
CN113627941A CN202111016190.2A CN202111016190A CN113627941A CN 113627941 A CN113627941 A CN 113627941A CN 202111016190 A CN202111016190 A CN 202111016190A CN 113627941 A CN113627941 A CN 113627941A
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cardholder
flight
transaction
credit card
identity information
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CN113627941B (en
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岑笑影
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Bank of China Ltd
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Bank of China Ltd
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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
    • 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
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • G06Q40/03—Credit; Loans; Processing thereof

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Development Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a method and a device for preventing credit card from being stolen, relating to the technical field of finance, wherein the method comprises the following steps: inquiring identity information of a credit card holder when transaction data paid by using a credit card is received; inquiring the flight time period of the flight taken by the cardholder from an airline system according to the identity information; if the occurrence time of the transaction data is within the flight time period, sending a transaction confirmation notice to the cardholder through a contact way reserved by the cardholder; if the confirmation message sent by the cardholder is not received within the specified time, the transaction is terminated. The invention can prevent the credit card from being stolen and swiped under the condition that the user goes out and cannot receive the credit card swiping notice, thereby improving the safety of the fund of the credit card and avoiding the fund loss.

Description

Method and device for preventing credit card from being stolen
Technical Field
The invention relates to the technical field of finance, in particular to a method and a device for preventing credit cards from being stolen.
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.
At present, many people use credit cards, if the credit cards are lost in airports, then users steal the credit cards when taking airplanes, and because the mobile phones of the users are in a flight mode or a power-off state, the users are difficult to quickly find that the credit cards are lost and then report the loss until the airplanes can find consumption abnormity (notification of short messages, mobile phone banks and the like) through various channels, so that property loss is easily caused.
Disclosure of Invention
The embodiment of the invention provides a method for preventing a credit card from being stolen, which is used for preventing the credit card from being stolen and swiped under the condition that a user goes out and cannot receive a credit card swiping notice, improving the safety of the fund of the credit card and avoiding the fund loss, and comprises the following steps:
inquiring identity information of a credit card holder when transaction data paid by using a credit card is received;
inquiring the flight time period of the flight taken by the cardholder from an airline system according to the identity information;
if the occurrence time of the transaction data is within the flight time period, sending a transaction confirmation notice to the cardholder through a contact way reserved by the cardholder;
if the confirmation message sent by the cardholder is not received within the specified time, the transaction is terminated.
The embodiment of the invention also provides a device for preventing the credit card from being stolen, which is used for preventing the credit card from being stolen and being swiped under the condition that a user goes out and cannot receive the notice of swiping the credit card, improving the safety of the fund of the credit card and avoiding the fund loss, and the device comprises:
the inquiry module is used for inquiring the identity information of the credit card holder when the communication module receives the transaction data paid by using the credit card;
the communication module is also used for inquiring the flight time period of the flight taken by the cardholder from the airline system according to the identity information;
the communication module is also used for sending transaction confirmation notification to the cardholder through a contact way reserved by the cardholder if the occurrence moment of the transaction data is within the flight time period;
and the transaction module is used for terminating the transaction when the confirmation information sent by the cardholder is not received in the appointed time.
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 when the processor executes the computer program, the method for preventing the credit card from being embezzled is realized.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the credit card anti-theft method.
In the embodiment of the invention, when transaction data paid by a credit card is received, the flight time interval of a flight taken by a cardholder is inquired through an airline system, if the occurrence time of the transaction data is in the flight time interval of the flight, a transaction confirmation notice is sent to the cardholder, and if the cardholder does not confirm within a specified time, the transaction is terminated. Therefore, the transaction occurring during the flight period of the cardholder can be executed only after the cardholder confirms, the security of the credit card transaction of the cardholder in the flight period of the flight is ensured, the transaction in the flight period is all generated under the condition that the cardholder knows, the risk that the credit card is stolen is effectively reduced, and the fund security is ensured.
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 flow chart of a method for preventing credit card fraud in an embodiment of the present invention;
FIG. 2 is another flow chart of a method for preventing credit card fraud according to an embodiment of the present invention;
FIG. 3 is another flow chart of a method for preventing credit card fraud according to an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of an apparatus for preventing credit card fraud according to an embodiment of the present invention;
fig. 5 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.
The embodiment of the invention provides a method for preventing credit card from being stolen, as shown in figure 1, the method comprises the following steps 101 to 104:
step 101, when transaction data for payment using a credit card is received, identity information of the credit card holder is queried.
The identity information of the cardholder reserves information such as name, identification card number, contact way (such as mobile phone number) and the like in an account opening bank of the credit card for the cardholder.
The credit card payment may be a credit card transaction initiated through a POS terminal.
Step 102, inquiring the flight time period of the flight taken by the cardholder from the airline system according to the identity information.
Because the travel information of the cardholder belongs to the privacy of the cardholder, before the airline system is inquired about the flight time period of the flight taken by the cardholder according to the identity information, the bank explains to the cardholder the acquired flight information for confirming whether the time period for credit card payment is in the flight time or not through the contact way reserved by the cardholder so as to reduce the risk that the credit card is stolen in the flight time, and sends an authority acquisition request to the cardholder, wherein the authority acquisition request is used for requesting the cardholder to authorize the airline to inquire about the flight information taken by the cardholder.
The cardholder confirms whether the authority of the bank for inquiring the flight information is granted according to the actual requirement of the cardholder. When the bank receives the message of authorization or refusal of authorization sent by the cardholder, the corresponding authority is correspondingly set for the credit card account.
When a subsequent credit card payment transaction occurs, if the bank has been authorized by the cardholder, the airline system is queried for the flight time period for the flight the cardholder takes based on the identity information.
And 103, if the occurrence time of the transaction data is within the flight time period, sending a transaction confirmation notice to the cardholder through a contact way reserved by the cardholder.
For example, the transaction data occurs at 13:05, the flight time ranges from 11:25 to 14:40, and the transaction data occurs within the flight time ranges, and the transaction can be processed after confirmation of the cardholder is determined.
In the embodiment of the invention, the bank can send the transaction confirmation notice to the cardholder at the mobile phone bank, or the transaction confirmation notice can be sent to the cardholder in a short message form through the mobile phone number in consideration of the fact that part of the cardholder may not download the mobile phone bank, or the transaction confirmation notice can be sent to the cardholder through the bank micro-telecommunication public number of the cardholder binding a credit card account.
After querying the airline system for the flight time period of the flight taken by the cardholder based on the identity information, as shown in fig. 2, the following step 201 may also be performed:
step 201, if the occurrence time of the transaction data is not in the flight time period or the information of the flight taken by the cardholder is not inquired, the transaction data is processed.
When the card holder is on the airplane, the card holder cannot receive the message, the transaction generated at the time needs to confirm whether the transaction is legal, and in a normal time period, if the information of the flight taken by the card holder is not inquired, or the information of the flight taken by the card holder is inquired but not in the time period when the card holder is on the airplane, the transaction generated at the normal time period can be considered, and the transaction data can be processed. Therefore, the requirement of a cardholder on the quick transaction processing is met, and the safety of credit card transaction in special time is also ensured.
And 104, if the confirmation information sent by the cardholder is not received within the appointed time, terminating the transaction.
Wherein the specified time may be set by the bank. Considering that the cardholder authorizes the credit card to other relatives or friends for use in some cases, even though the cardholder is taking a plane, the generated credit card transaction is legal, and the specified time can be set after the cardholder gets off the plane for a period of time, for example, the cardholder takes a plane at 11: 25-14: 40, the specified time is set at 15:10 minutes, and a certain time is left for the cardholder to confirm.
Or, if rejection information sent by the cardholder is received within a specified time, the transaction is terminated.
In another implementation, as shown in fig. 3, after sending a transaction confirmation notification to the cardholder through the contact address reserved by the cardholder, the following step 301 may also be performed:
step 301, if the confirmation information sent by the cardholder is received within the specified time, the transaction data is processed.
If the cardholder confirms that the transaction is a valid transaction within the specified time period, the transaction data continues to be processed, thereby ensuring that transactions occurring during the flight time period are known and allowed by the cardholder.
This also takes into account that the cardholder may have a temporary trip that changes without boarding the aircraft, although during the flight period, the credit card is used by the cardholder. The steps of confirmation of the card holder are added, so that the normal card under special conditions is compatible, and the risk of embezzlement of the credit card can be reduced.
After the transaction is terminated, a credit card transaction early warning notice can be sent to the cardholder through a contact mode reserved by the cardholder so as to prompt the cardholder whether to lose the credit card, if the credit card is lost, the credit card is reported in time, and the fund loss is avoided.
In the embodiment of the invention, when transaction data paid by a credit card is received, the flight time interval of a flight taken by a cardholder is inquired through an airline system, if the occurrence time of the transaction data is in the flight time interval of the flight, a transaction confirmation notice is sent to the cardholder, and if the cardholder does not confirm within a specified time, the transaction is terminated. Therefore, the transaction occurring during the flight period of the cardholder can be executed only after the cardholder confirms, the security of the credit card transaction of the cardholder in the flight period of the flight is ensured, the transaction in the flight period is all generated under the condition that the cardholder knows, the risk that the credit card is stolen is effectively reduced, and the fund security is ensured.
The embodiment of the invention also provides a credit card anti-theft device, which is described in the following embodiment. Because the principle of solving the problem of the device is similar to the method for preventing the credit card from being stolen, the implementation of the device can be referred to the implementation of the method for preventing the credit card from being stolen, and repeated details are not repeated.
As shown in fig. 4, the apparatus 400 includes a query module 401, a communication module 402, and a transaction module 403.
An inquiry module 401 for inquiring the identity information of the credit card holder when the communication module 402 receives transaction data for payment using a credit card;
the communication module 402 is further configured to query the airline system for a flight time period of a flight taken by the cardholder according to the identity information;
the communication module 402 is further configured to send a transaction confirmation notification to the cardholder through a contact means reserved by the cardholder if the occurrence time of the transaction data is within the flight time period;
the transaction module 403 is configured to terminate the transaction if the confirmation message sent by the cardholder is not received within a specified time.
In one implementation of an embodiment of the present invention,
the communication module 402 is further configured to send an authority acquisition request to the cardholder through a contact information reserved by the cardholder, where the authority acquisition request is used to request that the cardholder authorizes to query the airline company for flight information taken by the cardholder;
the communication module 402 is further configured to receive a message of authorization or denial of authorization sent by the cardholder;
a communication module 402 for:
if authorization of the cardholder is obtained, the airline system is queried for the flight time period for the flight the cardholder takes based on the identity information.
In an implementation manner of the embodiment of the present invention, the transaction module 403 is further configured to:
if the occurrence time of the transaction data is not in the flight time period or the information of the flight taken by the cardholder is not inquired, the transaction data is processed.
In an implementation manner of the embodiment of the present invention, the transaction module 403 is further configured to:
if the confirmation sent by the cardholder is received within the specified time, the transaction data is processed.
In an implementation manner of the embodiment of the present invention, the transaction module 403 is further configured to:
if the rejection information sent by the cardholder is received within the specified time, the transaction is terminated.
In an implementation manner of the embodiment of the present invention, the communication module 402 is further configured to:
and sending a credit card transaction early warning notice to the cardholder through a contact way reserved by the cardholder.
In the embodiment of the invention, when transaction data paid by a credit card is received, the flight time interval of a flight taken by a cardholder is inquired through an airline system, if the occurrence time of the transaction data is in the flight time interval of the flight, a transaction confirmation notice is sent to the cardholder, and if the cardholder does not confirm within a specified time, the transaction is terminated. Therefore, the transaction occurring during the flight period of the cardholder can be executed only after the cardholder confirms, the security of the credit card transaction of the cardholder in the flight period of the flight is ensured, the transaction in the flight period is all generated under the condition that the cardholder knows, the risk that the credit card is stolen is effectively reduced, and the fund security is ensured.
An embodiment of the present invention further provides a computer device, and fig. 5 is a schematic diagram of a computer device in an embodiment of the present invention, where the computer device is capable of implementing all steps in the method for preventing credit card from being stolen in the foregoing embodiment, and the computer device specifically includes the following contents:
a processor (processor)501, a memory (memory)502, a communication Interface (Communications Interface)503, and a communication bus 504;
the processor 501, the memory 502 and the communication interface 503 complete mutual communication through the communication bus 504; the communication interface 503 is used for implementing information transmission between related devices;
the processor 501 is used to call the computer program in the memory 502, and when the processor executes the computer program, the method for preventing the credit card from being stolen is implemented in the above embodiments.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the credit card anti-theft method.
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 preventing fraudulent use of a credit card, said method comprising:
inquiring identity information of a credit card holder when transaction data paid by using a credit card is received;
inquiring the flight time period of the flight taken by the cardholder from an airline system according to the identity information;
if the occurrence time of the transaction data is within the flight time period, sending a transaction confirmation notice to the cardholder through a contact way reserved by the cardholder;
if the confirmation message sent by the cardholder is not received within the specified time, the transaction is terminated.
2. The method of claim 1, wherein prior to querying an airline system for a flight period for a flight taken by a cardholder based on the identity information, the method further comprises:
sending a permission acquisition request to a cardholder through a contact way reserved by the cardholder, wherein the permission acquisition request is used for requesting the cardholder to authorize to inquire flight information taken by the cardholder from an airline;
receiving a message of authorization or refusal of authorization sent by a cardholder;
inquiring the flight time period of the flight taken by the cardholder from the airline system according to the identity information, wherein the inquiring comprises the following steps:
and if the authorization of the cardholder is obtained, inquiring the flight time period of the flight taken by the cardholder from the airline system according to the identity information.
3. The method of claim 1 or 2, wherein after querying an airline system for a flight period for a flight taken by a cardholder based on the identity information, the method further comprises:
and if the occurrence time of the transaction data is not in the flight time period or the information of the flight taken by the cardholder is not inquired, processing the transaction data.
4. The method of claim 1 or 2, wherein after sending a transaction confirmation notification to the cardholder via a contact address reserved by the cardholder, the method further comprises:
if the confirmation sent by the cardholder is received within the specified time, the transaction data is processed.
5. The method of claim 1 or 2, wherein after sending a transaction confirmation notification to the cardholder via a contact address reserved by the cardholder, the method further comprises:
if the rejection information sent by the cardholder is received within the specified time, the transaction is terminated.
6. The method of claim 1, wherein after terminating the transaction, the method further comprises:
and sending a credit card transaction early warning notice to the cardholder through a contact way reserved by the cardholder.
7. An apparatus for preventing fraudulent use of a credit card, said apparatus comprising:
the inquiry module is used for inquiring the identity information of the credit card holder when the communication module receives the transaction data paid by using the credit card;
the communication module is also used for inquiring the flight time period of the flight taken by the cardholder from the airline system according to the identity information;
the communication module is also used for sending transaction confirmation notification to the cardholder through a contact way reserved by the cardholder if the occurrence moment of the transaction data is within the flight time period;
and the transaction module is used for terminating the transaction when the confirmation information sent by the cardholder is not received in the appointed time.
8. The apparatus of claim 7,
the communication module is also used for sending an authority acquisition request to the cardholder through a contact way reserved by the cardholder, wherein the authority acquisition request is used for requesting the cardholder to authorize to inquire the airline company about the flight information taken by the cardholder;
the communication module is also used for receiving the message of authorization or refusal of authorization sent by the card holder;
a communication module to:
and if the authorization of the cardholder is obtained, inquiring the flight time period of the flight taken by the cardholder from the airline system according to the identity information.
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 6 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 6.
CN202111016190.2A 2021-08-31 2021-08-31 Method and device for preventing credit card from being swiped Active CN113627941B (en)

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US20030083985A1 (en) * 2001-11-01 2003-05-01 Fu-Tien Chen Credit card transaction security management system and method
CN1416079A (en) * 2001-10-29 2003-05-07 英华达股份有限公司 Method for preventing credit card from embezzlement and its system
CN201307300Y (en) * 2008-12-16 2009-09-09 郭铮 Payment system based on mobile communication
CN104182870A (en) * 2013-05-24 2014-12-03 中国银联股份有限公司 Security payment method and payment system based on mobile phone wallet
CN105303379A (en) * 2014-08-09 2016-02-03 北京互帮国际技术有限公司 Method supporting offline guidance and confirmation of entity card payment
CN109598499A (en) * 2018-09-19 2019-04-09 中国银联股份有限公司 A kind of pre-authorization transaction processing method and pre-authorization transaction processing system
CN111626742A (en) * 2020-06-08 2020-09-04 中国银行股份有限公司 Transaction processing method and device

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1403967A (en) * 2001-08-23 2003-03-19 广频科技股份有限公司 Credit card trade safety management system and method
CN1416079A (en) * 2001-10-29 2003-05-07 英华达股份有限公司 Method for preventing credit card from embezzlement and its system
US20030083985A1 (en) * 2001-11-01 2003-05-01 Fu-Tien Chen Credit card transaction security management system and method
CN201307300Y (en) * 2008-12-16 2009-09-09 郭铮 Payment system based on mobile communication
CN104182870A (en) * 2013-05-24 2014-12-03 中国银联股份有限公司 Security payment method and payment system based on mobile phone wallet
CN105303379A (en) * 2014-08-09 2016-02-03 北京互帮国际技术有限公司 Method supporting offline guidance and confirmation of entity card payment
CN109598499A (en) * 2018-09-19 2019-04-09 中国银联股份有限公司 A kind of pre-authorization transaction processing method and pre-authorization transaction processing system
CN111626742A (en) * 2020-06-08 2020-09-04 中国银行股份有限公司 Transaction processing method and device

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