CN1435787A - Multi-cipher safety payment method - Google Patents
Multi-cipher safety payment method Download PDFInfo
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- CN1435787A CN1435787A CN 02124051 CN02124051A CN1435787A CN 1435787 A CN1435787 A CN 1435787A CN 02124051 CN02124051 CN 02124051 CN 02124051 A CN02124051 A CN 02124051A CN 1435787 A CN1435787 A CN 1435787A
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- password
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Abstract
A high-safety multi-cipher pay method is characterized by that when a depositor is opening an acount number in bank, two or more ciphers must be provided, one for pay and others for safety. Its advantages are convenient application of high safety.
Description
The present invention relates to a kind of multi-cipher safety payment method, belong to the banking computer application.
When the depositor saved to opening a bank account, bank can require depositor oneself that a password is set, and this password is stored in the password database in the bank computer system.When paying depositor's deposit afterwards, bank also must show this password except that requiring the depositor to hold bankbook or the IC-card.We are called the single cipher method of payment.
When bank uses single cipher method of payment payment depositor's deposit, two kinds of channels are arranged generally.
One. the depositor takes bank with bankbook, fill in withdrawal form, give the staff of savings bank with withdrawal form and bankbook, the staff can make the remittee input password from keypad then, the computer of bank compares the password and the password in the computer system password database of depositor's input, if when equating, computer can inform that staff's password is correct, can pay debt.When if password is unequal, computer can be informed staff's password bad, and the staff will refuse to pay.
Two. will deposit IC-card and be inserted in the ATM (Automatic Teller Machine) of bank, automatic teller machine can point out the remittee to input password, if the password of remittee input with password is set when consistent when opening an account, automatic teller machine can be exported to the remittee with debt, if password bad also can be refused to pay by automatic teller machine.
If someone illegally holds depositor's password and bankbook or IC-card, according to this single cipher method of payment, illegal remittee can illegally take depositor's cash in banks away.Make password lose its due function of keeping secret.The interests of depositor and bank have been damaged.This is the drawback of single cipher method of payment.
The objective of the invention is to put forward a kind of method of secure payment deposit of many passwords altogether, even there is the people illegally to hold depositor's password and bankbook or IC-card, it can not take depositor's deposit at bank away.Make password can not lose its due function of keeping secret, the interests of protecting positive depositor and bank.
The objective of the invention is to realize by following technical solution: a kind of multi-cipher safety payment method is characterized in that:
1. the depositor is when opening an account, simultaneously at this open an account account number setting following two or plural password.The password of normally withdrawing the money.And another or more than one password, then as depositor's security password.These two passwords all leave in the password database in the bank computer system.
Bank the payment depositor deposit the time verification wherein withdraw the money password with the payment depositor deposit.Verification wherein security password to refuse to pay and to alarm.
Compare the method for payment that we are referred to as many passwords with the method for payment of above single cipher.
Below will be described in further detail the inventive method:
When the depositor opens an account with the bank, set two or more passwords down at this account number of opening an account simultaneously, set the password of normally depositing and withdrawing of one of them password as the depositor, we are called the password of withdrawing the money, and then another or more than one password are both as depositor's security password.These two passwords all leave in the password database in the bank computer system.
When bank uses many passwords method of payment payment depositor's deposit, have a bit slight difference: input the password of withdrawing the money that it is set when the depositor withdraws the money when opening an account, the computer of bank with the password of depositor input at first with the computer system password database in withdraw the money password relatively, if can point out the staff to pay deposit to the depositor when equal with the password of withdrawing the money, this point is the same with original single cipher method of payment; And if withdraw the money password when unequal, the computer of bank can compare the password and the security password in the computer system password database of depositor's input again, if computer is a security password with very fast this password of affirmation when equal with security password, can point out the staff remittee immediately is suspicious illegal remittee, and the security department and the staff that are correlated with by the secure network notice of bank at once.So that suspicious remittee is taked the necessary security measure, to guarantee the safety of depositor and bank.If depositor's bankbook or IC-card are stolen or be robbed, when the robber can force the depositor to inform password, the depositor can inform the robber with security password, and the robber will be arrested when bank withdraws cash.Just protected the safety of depositor and bank.If when relatively being not equal to the password of withdrawing the money and being not equal to security password again then handle, can require the remittee to input a password again and get final product as general input error.
Password quantity in many passwords method of payment, suggestion is used two to three.And the difference of advising these two or more passwords is the smaller the better, and such as using three passwords: one is 123451, and another is 123452, one is 123453, at will selects one of them password of withdrawing the money, and makes security password for two in addition.Convenient memory has bigger fascination again.
Many passwords of the present invention method of payment is compared with existing single cipher method of payment, and 1, easy to use: the minimum password of two or more difference is remembered well than single password on the contrary.2, have very strong safety in utilization: password is lost, and is stolen, even the be robbed danger brought of depositor is much smaller; Because the minimum password of two or more difference has bigger fascination and powerful deterrent force.Guilty-conscious psychology is more feasible illegally to hold pin to such an extent that the people dare not go to emit so big risk.Protect the interests of positive depositor and bank.Improved the safety credit grade of bank greatly.Thereby guaranteed the normal order of entire society's economic activity.
The cash in banks method of payment of this many passwords should be conducted vigorous propaganda, and to whole society's bulletin, makes everyone people know that all the depositor has plural password, and all knows the effect of these two or more passwords.Even if so illegally hold the people or the robber of all passwords of depositor, he also dare not reach money hastily because he do not determine on earth yet that be withdraw the money password that be security password.Can guarantee the safety of depositor and bank, ensure the stable of society.
Claims (2)
1, a kind of multi-cipher safety payment method is characterized in that: the depositor is when opening an account, simultaneously at this open an account account number setting following two or plural password, the password of normally withdrawing the money; And another or more than one password, then as depositor's security password, these two passwords all leave in the password database in the bank computer system.
2, method according to claim 1 is characterized in that, bank the payment depositor deposit the time verification wherein withdraw the money password with the payment depositor deposit, verification wherein security password to refuse to pay and to alarm.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 02124051 CN1435787A (en) | 2002-06-18 | 2002-06-18 | Multi-cipher safety payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 02124051 CN1435787A (en) | 2002-06-18 | 2002-06-18 | Multi-cipher safety payment method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1435787A true CN1435787A (en) | 2003-08-13 |
Family
ID=27628586
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 02124051 Pending CN1435787A (en) | 2002-06-18 | 2002-06-18 | Multi-cipher safety payment method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1435787A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2015101039A1 (en) * | 2013-12-30 | 2015-07-09 | Tencent Technology (Shenzhen) Company Limited | Information configuration method, device, system, client and server |
| CN106411523A (en) * | 2016-08-24 | 2017-02-15 | 中国银行股份有限公司 | Generation and check methods and devices for bank card passwords, and system |
| US12056674B2 (en) | 2021-10-15 | 2024-08-06 | Kyndryl, Inc. | Security for connected devices |
-
2002
- 2002-06-18 CN CN 02124051 patent/CN1435787A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2015101039A1 (en) * | 2013-12-30 | 2015-07-09 | Tencent Technology (Shenzhen) Company Limited | Information configuration method, device, system, client and server |
| CN106411523A (en) * | 2016-08-24 | 2017-02-15 | 中国银行股份有限公司 | Generation and check methods and devices for bank card passwords, and system |
| US12056674B2 (en) | 2021-10-15 | 2024-08-06 | Kyndryl, Inc. | Security for connected devices |
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Addressee: Zhou Shunxiang Document name: Notice of conformity |
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| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |