CN113627948A - Method for preventing bank card from being embezzled - Google Patents
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- 238000000034 method Methods 0.000 title claims abstract description 37
- 238000013475 authorization Methods 0.000 claims abstract description 13
- 230000002159 abnormal effect Effects 0.000 claims description 13
- 230000006399 behavior Effects 0.000 description 4
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- 230000004075 alteration Effects 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
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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
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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- 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
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
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Abstract
The invention relates to a method for preventing a bank card from being embezzled, which comprises the following steps: receiving a transaction authorization request; judging whether the transaction is suspicious, if so, authorizing to reject, sending information to inform a card holder, and if not, continuing the transaction; the cardholder receives the information, if the transaction is confirmed to be the personal transaction, the authorization is approved, the transaction is continued, and the system marks the transaction; if the cardholder replies to the non-self transaction, the authorization is denied and the transaction is terminated. The invention identifies the embezzlement transaction through the historical transaction behavior of the cardholder, further authorizes the transaction and refuses and informs the cardholder to prevent embezzlement of the bank card, thereby avoiding fund loss to the cardholder and dispute problems and even public opinion problems possibly caused in the follow-up process.
Description
Technical Field
The invention relates to the technical field of bank card protection, in particular to a method for preventing a bank card from being embezzled.
Background
In the case of a lost, stolen or fake bank card, the card may be swiped illegally, so that the card holder may be lost, thereby causing disputes between the card holder and the bank, and even bringing adverse reputation influence to the bank.
Therefore, there is a need to provide a method for preventing fraudulent swiping of a bank card, which identifies fraudulent swiping transactions through historical transaction behaviors of a cardholder, and further performs authorization rejection on the transactions and notifies the cardholder to prevent fraudulent swiping of the bank card.
Disclosure of Invention
The invention aims to provide a method for preventing a bank card from being embezzled, which identifies embezzled transactions through historical transaction behaviors of a card holder, further authorizes the transactions to be rejected and informs the card holder to prevent the embezzlement of the bank card.
In order to solve the above object, the invention provides a method for preventing a bank card from being embezzled, comprising the following steps:
receiving a transaction authorization request;
judging whether the transaction is suspicious, if so, authorizing to reject, sending information to inform a card holder, and if not, continuing the transaction;
the cardholder receives the information, if the transaction is confirmed to be the personal transaction, the authorization is approved, the transaction is continued, and the system marks the transaction; if the cardholder replies to the non-self transaction, the authorization is denied and the transaction is terminated.
Optionally, in the method for preventing the bank card from being stolen, under the condition of an overseas transaction, the manner of judging whether the transaction is a suspicious transaction is as follows:
in a preset time, when the single transaction amount is larger than a preset amount and/or the transaction frequency is larger than a preset frequency, the transaction is judged to be suspicious;
setting an initial time period of overseas transaction first-day transaction, and judging as suspicious transaction when the accumulated transaction amount is greater than the preset amount and/or the transaction times are greater than the preset times in the initial time period of overseas transaction first-day transaction.
Optionally, in the method for preventing the bank card from being embezzled,
the preset time is 3 months, the preset amount is 1000 yuan, the preset frequency is 1 transaction within 5 minutes, the initial time period of the first day of overseas transaction is 1 hour, and the preset times are 5;
namely, in the last 3 months, when the single transaction amount is more than 1000 yuan and/or the transaction frequency is more than 1 transaction in 5 minutes, the transaction is judged to be suspicious; and judging as suspicious transaction when the accumulated transaction amount is more than 1000 yuan and/or the transaction times are more than 5 within 1 hour.
Optionally, in the method for preventing a bank card from being stolen, under the condition of domestic transaction, the manner of determining whether the transaction is suspicious is as follows:
in a preset time, when the single transaction amount is larger than a preset amount and/or the transaction frequency is larger than a preset frequency, the transaction is judged to be suspicious;
setting an initial time period of regional transaction for the first day, and judging as suspicious transaction when the accumulated transaction amount is greater than the preset amount and/or the transaction times are greater than the preset times in the initial time period of regional transaction for the first day.
Optionally, in the method for preventing the bank card from being embezzled,
the preset time is 3 months, the preset amount is 1000 yuan, the preset frequency is 1 transaction within 5 minutes, the initial time period of the first day of regional transaction is 1 hour, and the preset times are 5;
namely, in the last 3 months, when the single transaction amount is more than 1000 yuan and/or the transaction frequency is more than 1 transaction in 5 minutes, the transaction is judged to be suspicious; and judging as suspicious transaction when the accumulated transaction amount is more than 1000 yuan and/or the transaction times are more than 5 within 1 hour.
Optionally, in the method for preventing a bank card from being swiped illegally, under the condition of abnormal time period transaction, the manner of judging whether the transaction is suspicious is as follows:
dividing 24 hours in 1 day into a normal time period and an abnormal time period according to the transaction condition of the latest 1 month;
and in the abnormal time period, if the single transaction amount is larger than the first preset amount, the accumulated transaction amount is larger than the second preset amount, and/or the transaction times are larger than the preset times, the suspicious transaction is judged.
Optionally, in the method for preventing the bank card from being embezzled,
the first preset amount is 500 yuan, the second preset amount is 1000 yuan, and the preset times are 5 times;
that is, in the abnormal time period, if the single transaction amount is greater than 500 yuan, the accumulated transaction amount is greater than 1000 yuan, and/or the transaction frequency is greater than 5 times, it is determined as a suspicious transaction.
Optionally, in the method for preventing a bank card from being stolen for swiping, for a cash withdrawal transaction, a manner of determining whether the transaction is a suspicious transaction is as follows:
if the withdrawal amount is larger than the preset amount, the transaction is judged to be suspicious.
Optionally, in the method for preventing a bank card from being swiped illegally, for a card-free transaction, the manner of determining whether the transaction is a suspicious transaction is as follows:
in a preset time, when the single transaction amount is larger than a preset amount and/or the transaction frequency is larger than a preset frequency, the transaction is judged to be suspicious;
setting an initial time period of the first-day transaction of the card-free transaction, and judging as suspicious transaction when the accumulated transaction amount is greater than the preset amount and/or the transaction times are greater than the preset times in the initial time period of the first-day transaction of the card-free transaction.
Optionally, in the method for preventing the bank card from being embezzled, after the system marks the bank card, the cardholder initiates the transaction again, and the transaction is not intercepted.
In the method for preventing the bank card from being embezzled, the embezzled transaction is identified through the historical transaction behavior of the card holder, the transaction is further authorized and rejected, and the card holder is informed to prevent the embezzlement of the bank card, so that the fund loss of the card holder and the dispute problem and even the public opinion problem possibly caused subsequently are avoided. In addition, the method has the advantages of simple model, easy deployment and high practicability.
Drawings
Fig. 1 is a flowchart of a method for preventing a bank card from being swiped illegally according to an embodiment of the present invention.
Detailed Description
The following describes in more detail embodiments of the present invention with reference to the schematic drawings. The advantages and features of the present invention will become more apparent from the following description. It is to be noted that the drawings are in a very simplified form and are not to precise scale, which is merely for the purpose of facilitating and distinctly claiming the embodiments of the present invention.
If the method described herein comprises a series of steps, the order in which these steps are presented herein is not necessarily the only order in which these steps may be performed, and some of the described steps may be omitted and/or some other steps not described herein may be added to the method.
In the case of a lost, stolen or fake bank card, the card may be swiped illegally, so that the card holder may be lost, thereby causing disputes between the card holder and the bank, and even bringing adverse reputation influence to the bank.
Therefore, it is necessary to provide a method for preventing a bank card from being swiped illegally, as shown in fig. 1, where fig. 1 is a flowchart of a method for preventing a bank card from being swiped illegally according to an embodiment of the present invention, and the method includes the following steps:
receiving a transaction authorization request;
judging whether the transaction is suspicious, if so, authorizing to reject, sending information to inform a card holder, and if not, continuing the transaction;
the cardholder receives the information, if the transaction is confirmed to be the personal transaction, the authorization is approved, the transaction is continued, and the system marks the transaction; if the cardholder replies as a non-self transaction, the authorization is refused, the transaction is terminated, and the cardholder is reminded to report the loss as soon as possible.
Preferably, in the case of an overseas transaction, the manner of determining whether the transaction is a suspicious transaction is as follows:
in a preset time, when the single transaction amount is larger than a preset amount and/or the transaction frequency is larger than a preset frequency, the transaction is judged to be suspicious;
setting an initial time period of overseas transaction first-day transaction, and judging as suspicious transaction when the accumulated transaction amount is greater than the preset amount and/or the transaction times are greater than the preset times in the initial time period of overseas transaction first-day transaction.
Further, for example, the preset time is 3 months, the preset amount is 1000 yuan, the preset frequency is 1 transaction within 5 minutes, the initial time period of the first-day transaction of the overseas transaction is 1 hour, and the preset times are 5;
namely, in the last 3 months, when the single transaction amount is more than 1000 yuan and/or the transaction frequency is more than 1 transaction in 5 minutes, the transaction is judged to be suspicious; and judging as suspicious transaction when the accumulated transaction amount is more than 1000 yuan and/or the transaction times are more than 5 within 1 hour.
Preferably, in the case of domestic transactions, the manner of determining whether the transactions are suspicious is as follows:
in a preset time, when the single transaction amount is larger than a preset amount and/or the transaction frequency is larger than a preset frequency, the transaction is judged to be suspicious;
setting an initial time period of regional transaction for the first day, and judging as suspicious transaction when the accumulated transaction amount is greater than the preset amount and/or the transaction times are greater than the preset times in the initial time period of regional transaction for the first day.
Further, for example, the preset time is 3 months, the preset amount is 1000 yuan, the preset frequency is 1 transaction within 5 minutes, the initial time period of the first day of the regional transaction is 1 hour, and the preset times are 5;
namely, in the last 3 months, when the single transaction amount is more than 1000 yuan and/or the transaction frequency is more than 1 transaction in 5 minutes, the transaction is judged to be suspicious; and judging as suspicious transaction when the accumulated transaction amount is more than 1000 yuan and/or the transaction times are more than 5 within 1 hour.
Preferably, in the case of abnormal time period transaction, the manner of determining whether the transaction is suspicious is as follows:
dividing 24 hours in 1 day into a normal time period and an abnormal time period according to the transaction condition of the latest 1 month; for example, every 3 hours from 0 o 'clock to 24 o' clock is divided into a time period, 8 time periods in total, the regular transaction time period of the cardholder in the last 1 month is regarded as a normal time period (not including the current day), and the rest of the time periods are regarded as abnormal time periods;
and in the abnormal time period, if the single transaction amount is larger than the first preset amount, the accumulated transaction amount is larger than the second preset amount, and/or the transaction times are larger than the preset times, the suspicious transaction is judged.
Further, for example, the first preset amount is 500 yuan, the second preset amount is 1000 yuan, and the preset times are 5 times; that is, in the abnormal time period, if the single transaction amount is greater than 500 yuan, the accumulated transaction amount is greater than 1000 yuan, and/or the transaction frequency is greater than 5 times, it is determined as a suspicious transaction.
Preferably, for the cash-out transaction, the manner of determining whether the transaction is a suspicious transaction is as follows:
if the withdrawal amount is larger than the preset amount, the transaction is judged to be suspicious.
Further, in one embodiment, the first cash withdrawal transaction within 6 months is determined as a suspicious transaction if the cash withdrawal amount is greater than a preset amount (e.g. 2000 dollars) and the cash withdrawal amount is greater than the maximum cash withdrawal amount of the historical single transaction; if the non-initial cash withdrawal transaction within 6 months is the same day as the last cash withdrawal transaction, the cash withdrawal amount is larger than a preset amount (such as 2000 yuan) and the cash withdrawal amount is larger than the historical single maximum cash withdrawal amount, and the transaction is judged to be a suspicious transaction; the first off-limit cash withdrawal transaction within 6 months, if the cash withdrawal amount is larger than a preset amount (such as equal 2000 yuan), and the cash withdrawal amount is larger than the maximum off-limit cash withdrawal amount of the historical single stroke, the transaction is judged to be suspicious; if the non-first off-limit cash withdrawal transaction within 6 months is the same day as the last cash withdrawal transaction, the cash withdrawal amount is larger than the preset amount (such as the equivalent 2000 yuan), and the cash withdrawal amount is larger than the maximum off-limit cash withdrawal amount of the historical single stroke, and the transaction is judged to be suspicious.
Preferably, for the card-free transaction, the manner of determining whether the transaction is a suspicious transaction is as follows:
in a preset time, when the single transaction amount is larger than a preset amount and/or the transaction frequency is larger than a preset frequency, the transaction is judged to be suspicious;
setting an initial time period of the first-day transaction of the card-free transaction, and judging as suspicious transaction when the accumulated transaction amount is greater than the preset amount and/or the transaction times are greater than the preset times in the initial time period of the first-day transaction of the card-free transaction.
Further, for example, the preset time is 6 months, the preset amount is 1000 yuan, the preset frequency is 1 transaction within 5 minutes, the initial time period of the first-day transaction of the card-free transaction is 1 hour, and the preset times are 5;
namely, in the last 6 months, when the single transaction amount is more than 1000 yuan and/or the transaction frequency is more than 1 transaction in 5 minutes, the transaction is judged to be suspicious; and judging as suspicious transaction when the accumulated transaction amount is more than 1000 yuan and/or the transaction times are more than 5 within 1 hour.
Preferably, after the system marks, the cardholder reissues such transactions without further interception.
In conclusion, in the method for preventing the illegal swiping of the bank card, the illegal swiping transaction is identified through the historical transaction behavior of the card holder, the transaction is further authorized and rejected, and the card holder is notified to prevent the illegal swiping of the bank card, so that the fund loss of the card holder and the following dispute problem and even public opinion problem which may be caused are avoided.
The above description is only a preferred embodiment of the present invention, and does not limit the present invention in any way. It will be understood by those skilled in the art that various changes, substitutions and alterations can be made herein without departing from the spirit and scope of the invention as defined by the appended claims.
Claims (10)
1. A method for preventing a bank card from being embezzled is characterized by comprising the following steps:
receiving a transaction authorization request;
judging whether the transaction is suspicious, if so, authorizing to reject, sending information to inform a card holder, and if not, continuing the transaction;
the cardholder receives the information, if the transaction is confirmed to be the personal transaction, the authorization is approved, the transaction is continued, and the system marks the transaction; if the cardholder replies to the non-self transaction, the authorization is denied and the transaction is terminated.
2. The method for preventing the embezzlement of the bank card according to claim 1, wherein in case of the overseas transaction, the manner of judging whether the transaction is a suspicious transaction is as follows:
in a preset time, when the single transaction amount is larger than a preset amount and/or the transaction frequency is larger than a preset frequency, the transaction is judged to be suspicious;
setting an initial time period of overseas transaction first-day transaction, and judging as suspicious transaction when the accumulated transaction amount is greater than the preset amount and/or the transaction times are greater than the preset times in the initial time period of overseas transaction first-day transaction.
3. The method for preventing the embezzlement of bank cards according to claim 2,
the preset time is 3 months, the preset amount is 1000 yuan, the preset frequency is 1 transaction within 5 minutes, the initial time period of the first day of overseas transaction is 1 hour, and the preset times are 5;
namely, in the last 3 months, when the single transaction amount is more than 1000 yuan and/or the transaction frequency is more than 1 transaction in 5 minutes, the transaction is judged to be suspicious; and judging as suspicious transaction when the accumulated transaction amount is more than 1000 yuan and/or the transaction times are more than 5 within 1 hour.
4. The method for preventing the embezzlement of the bank card according to claim 1, wherein in case of the domestic transaction, the manner of determining whether the transaction is a suspicious transaction is as follows:
in a preset time, when the single transaction amount is larger than a preset amount and/or the transaction frequency is larger than a preset frequency, the transaction is judged to be suspicious;
setting an initial time period of regional transaction for the first day, and judging as suspicious transaction when the accumulated transaction amount is greater than the preset amount and/or the transaction times are greater than the preset times in the initial time period of regional transaction for the first day.
5. The method for preventing fraudulent swiping of a bank card according to claim 4,
the preset time is 3 months, the preset amount is 1000 yuan, the preset frequency is 1 transaction within 5 minutes, the initial time period of the first day of regional transaction is 1 hour, and the preset times are 5;
namely, in the last 3 months, when the single transaction amount is more than 1000 yuan and/or the transaction frequency is more than 1 transaction in 5 minutes, the transaction is judged to be suspicious; and judging as suspicious transaction when the accumulated transaction amount is more than 1000 yuan and/or the transaction times are more than 5 within 1 hour.
6. The method for preventing the embezzlement of the bank card according to claim 1, wherein in case of the abnormal time period transaction, the manner of judging whether the transaction is a suspicious transaction is as follows:
dividing 24 hours in 1 day into a normal time period and an abnormal time period according to the transaction condition of the latest 1 month;
and in the abnormal time period, if the single transaction amount is larger than the first preset amount, the accumulated transaction amount is larger than the second preset amount, and/or the transaction times are larger than the preset times, the suspicious transaction is judged.
7. The method for preventing fraudulent swiping of a bank card according to claim 6,
the first preset amount is 500 yuan, the second preset amount is 1000 yuan, and the preset times are 5 times;
that is, in the abnormal time period, if the single transaction amount is greater than 500 yuan, the accumulated transaction amount is greater than 1000 yuan, and/or the transaction frequency is greater than 5 times, it is determined as a suspicious transaction.
8. The method for preventing the embezzlement of the bank card according to claim 1, wherein the manner of judging whether the transaction is a suspicious transaction is as follows:
if the withdrawal amount is larger than the preset amount, the transaction is judged to be suspicious.
9. The method for preventing the embezzlement of the bank card according to claim 1, wherein for the transaction without the card, the method for judging whether the transaction is a suspicious transaction is as follows:
in a preset time, when the single transaction amount is larger than a preset amount and/or the transaction frequency is larger than a preset frequency, the transaction is judged to be suspicious;
setting an initial time period of the first-day transaction of the card-free transaction, and judging as suspicious transaction when the accumulated transaction amount is greater than the preset amount and/or the transaction times are greater than the preset times in the initial time period of the first-day transaction of the card-free transaction.
10. The method of preventing fraudulent swiping of a bank card according to claim 1, wherein after the marking by the system, the cardholder re-initiates such transactions without further interception.
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