CN1506921A

CN1506921A - Method of making credit card and deposit book possess alarm function and less money loss

Info

Publication number: CN1506921A
Application number: CNA02149665XA
Authority: CN
Inventors: 张坚锐
Original assignee: Individual
Current assignee: Individual
Priority date: 2002-12-12
Filing date: 2002-12-12
Publication date: 2004-06-23

Abstract

The present invention is that one additional cipher is increased to available credit card and deposit book as security cipher, and in case that some brigand draws money with the credit card and deposit book via the security cipher in ATM or bank counter, alarm signal will be sent by the bank computer system to the bank staff. The present invention can reduce loss.

Description

Make credit card and bankbook have the method that reduces monetary loss and warning function

Technical field:

The present invention relates to the financial field.

Background technology:

Along with the integrated and scientific and technical day by day develop rapidly of global economy, various telecom technologies and super computer are widely used in financial industry, service competition aggravation between each bank, the extensive distribution of various bank cards and bankbook is used, credit card just can be withdrawn cash on automatic teller machine basically round the clock by password, also brought opportunity to people's life when bringing great convenience to the offender, the offender obtains litigant's credit card or bankbook and just calm the withdrawing cash of energy of password on automatic teller machine and sales counter by undue influence, make the various credit card business of bank become offender's guilty tool unintentionally, bring pecuniary loss to bank client.

The content of invention:

The objective of the invention is at the above problem, a kind of method that ensures the bank client fund security is provided, make existing credit card and bankbook have the function that can reduce monetary loss and warning.

The object of the present invention is achieved like this: the present invention increases many another group passwords as security password in the function mode that current credit card and bankbook utilize password to withdraw the money, when the ruffian uses party's credit card and security password when automatic teller machine or sales counter are withdrawn cash, the computer system of bank will be on automatic teller machine or the sales counter computer show that credit card or bankbook only have a small amount of cash to send silent alarm to bank clerk simultaneously for extracting, thereby make existing credit card and bankbook have the function that can reduce monetary loss and warning.

Technique effect of the present invention is: utilize a kind of guilty tool have the credit card of security password and various credit card business that bankbook can prevent bank to become the offender, when ensureing the bank client fund security, also ensured the safety of the bank client person to a certain extent, the today of having joined WTO in China, utilize credit card that security password is arranged and bankbook can become the sharp weapon that China's banking industry and foreign bank already are at war with in business fields such as credits card.

Below the invention will be further described:

Bank client is guarantee fund security and personal safety when credit card and bankbook are handled in application, can and determine minimum desirable amount of money degree to silver bidding another security password except the password of withdrawing the money, when taking place that bank client is taken credit card or bankbook by the offender and wanting credit card or bankbook password with undue influence, bank client just can be said the security password of credit card or bankbook to the offender, for the delinquency prevention molecule further adopts following measures to the personal infringement of bank client: 1, when holding credit card, the offender use security password when automatic teller machine is withdrawn the money, the computer system of bank will show that credit card only has a small amount of cash and allows the offender extract at automatic teller machine, sends silent alarm to bank clerk simultaneously.2, when the offender utilizes credit card or bankbook to use security password to transfer accounts by Web bank, the computer system of bank shows to only have a small amount of cash can supply account transfer on credit card or the bankbook in the bank on the net, and allow to transfer accounts, locking collecting account after transferring accounts successfully, locked collecting account user uses credit card and bankbook when bank counter is withdrawn the money, and the computer system of bank will be sent silent alarm to bank clerk; When locked collecting account user uses credit card when automatic teller machine is inquired about, automatic teller machine shows transfers accounts successfully, and locked collecting account user uses credit card when automatic teller machine is withdrawn the money, the computer system of bank will allow automatic teller machine eat up credit card and display device fault simultaneously this automatic teller machine quit work.3, when the offender utilizes credit card or bankbook to use security password to transfer accounts by telephone bank, the computer system of bank will only have a small amount of cash can supply account transfer at voice suggestion explanation credit card or bankbook, locking collecting account after transferring accounts successfully, when locked collecting account user uses credit card and bankbook when bank counter is withdrawn the money, the computer system of bank will be sent silent alarm to bank clerk; When locked collecting account user uses credit card when automatic teller machine is withdrawn the money, the computer system of bank will allow automatic teller machine eat up credit card and display device fault simultaneously this automatic teller machine quit work.

Claims

1, a kind of method that credit card and bankbook is had reduce monetary loss and warning function is characterized in that: the function mode of utilizing single password to withdraw the money at current credit card and bankbook increases many another group passwords as security password.

2, a kind of credit card and bankbook of making according to claim 1 has the method that reduces monetary loss and warning function, it is characterized in that: when holding credit card or bankbook password safe in utilization on automatic teller machine or sales counter when withdrawing the money, the computer system of bank will show to have only a small amount of cash to send silent alarm to bank clerk simultaneously for extracting on credit card or the bankbook on the automatic teller machine or on the sales counter computer.

3, described a kind of credit card and the bankbook of making of claim 1 has the method that reduces monetary loss and warning function, it is characterized in that: when utilizing credit card or bankbook to use security password to transfer accounts by Web bank, the computer system of bank shows to only have a small amount of cash can supply account transfer on credit card or the bankbook in the bank on the net, locking collecting account after transferring accounts successfully, when locked collecting account user uses credit card and bankbook when bank counter is withdrawn the money, the computer system of bank will be sent silent alarm to bank clerk; When locked collecting account user uses credit card when automatic teller machine is withdrawn the money, the computer system of bank will allow automatic teller machine eat up credit card and display device fault simultaneously this automatic teller machine quit work.

4, described a kind of credit card and the bankbook of making of claim 1 has the method that reduces monetary loss and warning function, it is characterized in that: when utilizing credit card or bankbook to use security password to transfer accounts by telephone bank, the computer system of bank will only have a small amount of cash can supply account transfer at voice suggestion explanation credit card or bankbook, locking collecting account after transferring accounts successfully, when locked collecting account user uses credit card and bankbook when bank counter is withdrawn the money, the computer system of bank will be sent silent alarm to bank clerk; When locked collecting account user uses credit card when automatic teller machine is withdrawn the money, the computer system of bank will allow automatic teller machine eat up credit card and display device fault simultaneously this automatic teller machine quit work.