CN1417702A

CN1417702A - Bank safety alarm system and method

Info

Publication number: CN1417702A
Application number: CN 01129862
Authority: CN
Inventors: 梁钢
Original assignee: Individual
Current assignee: Individual
Priority date: 2001-10-31
Filing date: 2001-10-31
Publication date: 2003-05-14

Abstract

The bank safety alarm system includes alarm, host computer, data base with clients' accounts or numbers, normal trade cipher, alarm cipher and other data, cipher checking program to check the normal trade cipher and alarm cipher and terminal. The present invention is suitable for safety alarm of all the bank accounts. The client can obtain normal bank service via his normal cipher, stop non-authorized trade and send alarm signal to bank via the alarm cipher if necessary.

Description

A kind of security alerting system and the method that are used for bank

Technical field:

The present invention relates to a kind of security alerting system and method that is used for bank.

Background technology:

The security system of bank account can allow the client that own account's the arm's length transaction passwords such as password and password for inquiry of withdrawing the money are set at present, so that transaction such as withdrawing the money of (being that password conforms to) and inquiry are authorized in execution, and stop withdrawing the money and transaction such as inquiry of (being password not match) without permission, but all can not allow the client that alarm cipher is set.When the client was kidnapped and is forced the password of saying bank account by the people, the client often haveed no alternative but say correct password because of reporting to the police, and the fund that causes the client to leave bank account in suffers a loss.

Summary of the invention:

Purpose of the present invention is exactly in order to overcome the above problems, and a kind of security alerting system and the method that are used for bank are provided.When the client is forced when saying the bank account password, the client can quietly report to the police to bank or say the password of correctly withdrawing the money and select between the two to protect inherently safe.

For achieving the above object, the present invention proposes a kind of security alerting system and the method that is used for bank.

The nuclear closely packed that described security alerting system comprises main frame, contain the database of account number or card number or customer ID and arm's length transaction password, check the arm's length transaction password is put and end device, described database and nuclear closely packed are put in the storer that is stored in the main frame, described end device links to each other with main frame, it is characterized in that: also comprise warning device, link to each other with main frame; In database, also has the alarm cipher data; Check the module of alarm cipher during the nuclear closely packed is put in addition, this module also links to each other with warning device.

Described safety alarming method comprises the steps: 1) receive account number or data such as card number or customer ID and password from the end device that links with main frame; 2) data of utilizing the nuclear closely packed to put will to receive with leave in the main frame contain arm's length transaction password that the client sets in advance and the code data in the alarm cipher document data base compares; 3) if conform to, then by the arm's length transaction flow performing with the arm's length transaction password; 4) if conform to alarm cipher, then carry out by alarm flow, start the warning device that links with main frame; 5) if do not conform to alarm cipher, then return the information of password mistake to end device with the arm's length transaction password.

Owing to adopted above scheme, bank client can be carried out with correct password on the one hand and withdraw the money normally and transaction such as inquiry and rely on cipher mechanism to stop the transaction of unauthorized (being password not match), can allow the client pass through alarm cipher simultaneously again when needs are reported to the police and quietly report to the police to bank.When the client is forced the password of saying bank account by the kidnapper; the client can be according to circumstances; alarm cipher is provided as the arm's length transaction password; make the kidnapper with this password to bank debits or do other when transaction, bank can be reported to the police and be taked adequate measures protection client's fund security and be cooperated the protection client's of public security organ the personal safety and the molecule of fighting crime under the situation that the kidnapper does not know fully.After if the alarm cipher of bank account obtains popularizing in the whole society, the fund that makes the kidnapper that its people that is kidnaped is left in bank account is possibly inspired awe even from distance.

Description of drawings:

Fig. 1 is the system hardware connection figure of the embodiment of the invention.

Fig. 2 is the structure that leaves customer ID database in the main frame in.

Fig. 3 is the structure that leaves bank's card number database in the main frame in.

Fig. 4 is the structure that leaves bankbook Account Data storehouse in the main frame in.

Fig. 5 is the logical flow chart that leaves the close program of main frame center in.

Embodiment:

Also the present invention is described in further detail in conjunction with the accompanying drawings below by specific embodiment.

Fig. 1, Fig. 2, Fig. 3, Fig. 4, embodiment shown in Figure 5 is a kind of security alerting system that is used for bank, and it comprises main frame 1, Surveillance center's warning device 2, bank counter terminal 3, ATM (Automatic Teller Machine) (being called for short ATM) 4, automatic vending machine (being called for short POS) 5, telephone bank's fore device 6, Web bank's fore device 7, leave the customer ID database 8 in the main frame in, leave the bank's card number database 9 in the main frame in, leave the bank book Account Data storehouse 10 in the main frame in, put 11 (it can be one section program) with the nuclear closely packed that leaves in the main frame.

Described warning device 2 can be used computer display screens, audio unit etc.; The universal automatic computer that main frame 1 usefulness has data storage, calculating and data input/output function gets final product.

Described account number or customer ID are account number or the customer IDs that bank provides to the client when opening deposit account for the client, comprise bankbook account number, savings card number, credit number, client's card number.

For ease of use, and be difficult for being realized that arm's length transaction password and alarm cipher should be the character strings of same data type and length definition by the ruffian.

In order to contain all possible mode of withdrawing the money, described end device 3,4,5,6,7 should comprise terminal that the bank counter personnel that link with banking computer main frame 1 use, ATM (Automatic Teller Machine), automatic vending machine, telephone bank, Web bank etc.

Suppose that bank client Zhang San has a bankbook and bank card, and be provided with arm's length transaction password and alarm cipher.At ordinary times Zhang San handle to bank with bankbook and arm's length transaction password withdraw the money, transfer accounts, remittance etc. can normally carry out, withdraw the money and consume and normally to carry out at ATM (Automatic Teller Machine) ATM, automatic vending machine POS with bank card, also can normally carry out in telephone bank, Web bank's inquiry and account transfer with bankbook account number or bank's card number.This is after receiving Zhang San's customer ID or bank's card number or bankbook account number and code data because of the close program 11 of nuclear from bank counter terminal 3, ATM (Automatic Teller Machine) ATM 4, automatic vending machine POS 5, telephone bank's fore device 6, Web bank's fore device 7, arm's length transaction password and alarm cipher that Zhang San in these data and customer ID database 8 or bank's card number database 9 or the bank book Account Data storehouse 10 is set in advance compare, the result conforms to the arm's length transaction password, therefore carries out transaction flows such as inquiring about normally, withdraw the money.One day, Zhang San was kidnapped by the bad person, and the bad person searches out Zhang San's bank book and bank card, and forced Zhang San say bankbook withdraw the money password and bank card password.Zhang San has offered the bad person with the alarm cipher of oneself as the arm's length transaction password.If the bad person holds bankbook and withdraws the money to bank counter, after examining close program 11 and receive Zhang San's bankbook account number and code data this moment from bank counter terminal 3, arm's length transaction password and alarm cipher that Zhang San in these data and the bank book Account Data storehouse 10 is set in advance compare, the result conforms to alarm cipher, thereby the execution alarm flow, start warning device 2.Can have multiple way this moment: first bank counter personnel hold the remittee in appropriate mode after seeing alarm, meanwhile obtained the guard of bank of alarm and police and had the situation under control rapidly and arrest the remittee, found the kidnapper location and separate and rescue the bank client Zhang San who is kidnaped by the interrogation remittee; It two is to delay to give the remittee money in appropriate mode after the bank counter personnel see alarm, by the guard of bank who obtains alarm and police by following the tracks of the remittee and find the kidnapper location and separating and rescue the bank client Zhang San who is kidnaped and recover debt.Zhang San's bank snaps into that ATM (Automatic Teller Machine) ATM withdraws the money or to automatic vending machine POS consumption, then can adopt method similar to the above to arrest kidnapper and rescue client if the bad person holds.If the bad person transfers accounts or consumes in telephone bank or Web bank with bankbook account number or bank's card number, the bank computer system can be with ' this account number is not opened this authority, please arrive bank counter handles ' etc. prompting refused, and note data such as telephone number or computer address, arrest kidnapper and rescue client so that follow the trail of.

Claims

1, a kind of security alerting system that is used for bank, comprise main frame (1), the database (8 that contains account number or card number or customer ID and arm's length transaction password, 9,10), check the nuclear closely packed of arm's length transaction password and put (11) and end device (3,4,5,6,7), described database (8,9,10) and the nuclear closely packed put in the storer that (11) be stored in main frame (1), described end device (3,4,5,6,7) link to each other with main frame (1), it is characterized in that: also comprise warning device (2), link to each other with main frame (1), at database (8,9,10) also has the alarm cipher data in, the nuclear closely packed is put the module of checking alarm cipher in (11) in addition, and this module also links to each other with warning device (2).

2, a kind of security alerting system that is used for bank as claimed in claim 1 is characterized in that: described warning device (2) computer display screens, audio unit; Described main frame (1) is for having the universal automatic computer of data storage, calculating and data input/output function.

3, a kind of security alerting system that is used for bank as claimed in claim 1 or 2, it is characterized in that: described account number or customer ID are account number or the customer IDs that bank provides to the client when opening deposit account for the client, comprise bankbook account number, savings card number, credit number, client's card number.

4, a kind of security alerting system that is used for bank as claimed in claim 1 or 2 is characterized in that: described arm's length transaction password and alarm cipher are the character string of same data type and length definition.

5, a kind of security alerting system that is used for bank as claimed in claim 1 or 2 is characterized in that: described end device (3,4,5,6,7) comprises terminal, ATM (Automatic Teller Machine), automatic vending machine, telephone bank, the Web bank of the bank counter personnel use that links with banking computer main frame (1).

6, be used for a kind of safety alarming method of bank, it is characterized in that comprising the steps:

From the end device (3,4,5,6,7) that links with main frame receive account number or or card number or customer ID and code data;

Utilize the nuclear closely packed put (11) with the data that receive with leave in the main frame (1) contain arm's length transaction password that the client sets in advance and the code data in the alarm cipher document data base compares;

If conform to, then by the arm's length transaction flow performing with the arm's length transaction password;

If conform to alarm cipher, then carry out by alarm flow, start the warning device (2) that links with main frame (1);

If do not conform to alarm cipher, return the information of password mistake then for end device (3,4,5,6,7) with the arm's length transaction password.

7, a kind of safety alarming method that is used for bank as claimed in claim 6 is characterized in that: after warning device (2) is activated, report to the police with the computing machine screen display, or report to the police with the computing machine audio unit.

8, as claim 6 or the 7 described a kind of safety alarming methods that are used for bank, it is characterized in that: described account number or customer ID are account number or the customer IDs that bank provides to the client when opening deposit account for the client, comprise bankbook account number, savings card number, credit number, client's card number.

9, as claim 6 or the 7 described a kind of safety alarming methods that are used for bank, it is characterized in that: described end device (3,4,5,6,7) comprises terminal, ATM (Automatic Teller Machine), automatic vending machine, telephone bank, the Web bank of the bank counter personnel use that links with banking computer main frame (1).