CN1564207A - Method and system of inputting password of bank card for transaction - Google Patents
Method and system of inputting password of bank card for transaction Download PDFInfo
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- CN1564207A CN1564207A CN 200410026515 CN200410026515A CN1564207A CN 1564207 A CN1564207 A CN 1564207A CN 200410026515 CN200410026515 CN 200410026515 CN 200410026515 A CN200410026515 A CN 200410026515A CN 1564207 A CN1564207 A CN 1564207A
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- bank
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Abstract
The method includes following steps: using handset, user dials dedicated line telephone; calling phone number recognition unit recognizes number of the handset, and sends the number to computer center in bank, then the computer center verifies whether the number of the handset transferred is matched to user's password of bank card in carrying trade under way; if yes, operation program is continuous; if no, operation program is stopped. In the whole operation procedure, there is no question about disclosing user's password. Moreover, the said calling phone number recognition unit recognizes number of handset before dedicated line telephone picks up phone. Thus, mobile phone communication fee is not generated.
Description
Technical field
The present invention relates to computer technology and telecommunication system field, relate in particular to various bank cards are imported password when concluding the business method and system.
Background technology
The user is in bank counter, franchised business of bank, ATM automatic teller machine, Web bank, when using bank card to conclude the business, the method of traditional input password is after obtaining inputing the prompting of password, and the user is input to password in the password input device by the keyboard of password input device.Other users when the process of this input password is being carried out transaction, the staff who comprises bank counter personnel, franchised business is open transparent fully, taken this opportunity to steal user's password easily by some lawless persons, thereby use bank card to conclude the business to the user and cause very big psychological burden, also be unfavorable for promoting the use of of bank card business.Adopt a kind of safe and reliable, cipher-code input method replaces traditional cipher-code input method of divulging a secret easily at present simply and easily, be to be badly in need of during current bank card business is promoted the use of dealing with problems.
Summary of the invention
The object of the present invention is to provide more safe and reliable than the traditional cipher-code input method that is using at present, simply and easily a kind of when using bank card to conclude the business the method and system of input password, comprise the steps:
A, user handle bank card (7) when professional in bank's application, put on record in bank computer center (1) as user cipher (6) with the phone number (5) of mobile phone (4) of oneself;
B, user use bank card (7) carry out bankcard consumption on the POS of franchised business of the bank machine (1-1), withdraw the money, withdraw the money at ATM (automatic teller machine) ATM (1-3) in bank counter card reader (1-2) account transfer, and during the payment transaction of bank (1-4) account transfer on the net, after obtaining inputing the prompting of password, the user dials private telephone (2) with mobile phone (4) by the communication network (8) of telecommunications company;
C, connect under the situation of private telephone (2) at user mobile phone (4), subscriber phone number (5) passes through communication network (8) by the telco switch system, deliver to private telephone (2), again in private telephone (2) is sent to incoming call calling number recognition device (3);
The phone number (5) that D, incoming call calling number recognition device (3) are sent here private telephone (2) is discerned, and then the phone number (5) that identifies is converted to the data layout of agreement, sends into bank computer center (1);
The user cipher (6) that E, bank computer center (1) are examined with the data layout phone number (5) that sends and the bank card (7) that carries out financial transaction of agreement conforms to, then proceed the financial transaction running program, do not conform to, then stop the financial transaction running program, and provide alarm.
The advantage of method and system of the present invention is, the user uses bank card (7) to conclude the business, when input user cipher (6), the method that adopts is that the user uses user mobile phone (4) to dial private telephone (2), through incoming call calling number recognition device (3) subscriber phone number (5) is discerned, and then a phone number (5) that identifies converts the data layout of agreement to, send into bank computer center (1), whether the user cipher (6) that phone number (5) that sends and the bank card (7) that carries out financial transaction are examined in bank computer center (1) conforms to, the problem that whole process does not exist user cipher (6) to divulge a secret, thereby do not worry that user cipher stolen by the people yet.In addition when each employing user mobile phone (4) is dialed private telephone (2) input user cipher (6), incoming call calling number recognition device (3) is under the state of off-hook subscriber phone number (5) not to be discerned at private telephone (2), thereby can not produce communication cost, can not increase customer using cost.
Description of drawings
Accompanying drawing is the method and system key diagram of the present invention's input password when using bank card to conclude the business.
Embodiment
The implementation step of the present invention's method and system of input password when using bank card to conclude the business is described below in conjunction with accompanying drawing.By accompanying drawing as can be known, be implemented in the method and system of input password when using bank card to conclude the business, comprise step:
1, the user handles bank card (7) when professional in bank application, puts on record in bank computer center (1) as user cipher (6) with the phone number (5) of mobile phone (4) of oneself;
2, the user use bank card (7) carry out bankcard consumption on the POS of franchised business of the bank machine (1-1), withdraw the money, withdraw the money at ATM (automatic teller machine) ATM (1-3) in bank counter card reader (1-2) account transfer, and during the payment transaction of bank (1-4) account transfer on the net, after obtaining inputing the prompting of password, the user dials private telephone (2) with mobile phone (4) by the communication network (8) of telecommunications company;
3, connect under the situation of private telephone (2) at user mobile phone (4), subscriber phone number (5) passes through communication network (8) by the telco switch system, deliver to private telephone (2), again in private telephone (2) is sent to incoming call calling number recognition device (3);
4, incoming call calling number recognition device (3) phone number (5) that private telephone (2) is sent here is discerned, and then the phone number (5) that identifies is converted to the data layout of agreement, sends into bank computer center (1);
5, bank computer center (1) user cipher (6) of data layout phone number (5) that sends and the bank card (7) that carries out financial transaction of examining with agreement conforms to, then proceed the financial transaction running program, do not conform to, then stop the financial transaction running program, and provide alarm.
A concrete performance is as described below, when the user handles bank card (7) business in bank, the phone number (5) of mobile phone (4) with oneself is put on record in bank computer center (1) as user cipher (6), for example user's mobile phone (4) is a GSM mobile handset, phone number (5) is 13602584476, then the user cipher (6) of user's bank card (7) is exactly 13602584476, user cipher (6) 13602584476 is put on record in bank computer center (1) simultaneously, if the user uses bank card (7)) on the POS of franchised business of bank machine (1-1), carry out bankcard consumption, withdraw the money in bank counter card reader (1-2) account transfer, withdraw the money at ATM (automatic teller machine) ATM (1-3), when reaching the payment transaction of bank (1-4) account transfer on the net, after obtaining inputing the prompting of password, the user dials private telephone (2) with mobile phone (4) by the communication network (8) of telecommunications company, connect private telephone (2) and private telephone (2) not under the state of off-hook at mobile phone (4), the phone number (5) 13602584476 of mobile phone (4) is passed through communication network (8) by the telco switch system, deliver to private telephone (2), again in private telephone (2) is sent to incoming call calling number recognition device (3), the phone number (5) that incoming call calling number recognition device (3) is sent here private telephone (2) is discerned, and then a phone number (5) 13602584476 that identifies converts the data layout of agreement to, send into bank computer center (1), it is 13602584476 that the data that send are examined at bank computer center (1), conform to the user cipher (6) 13602584476 of the bank card (7) that carries out financial transaction, then the POS machine (1-1) of franchised business of notifying bank, bank counter card reader (1-2), ATM (automatic teller machine) ATM (1-3), Web bank (1-4) proceeds remaining running program; If sending into the data at bank computer center (1) is not 13602584476, do not conform to user cipher (6), then bank computer center (1) stops the financial transaction running program, and provides alarm.
Claims (10)
1, a kind of method and system of importing password when using bank card to conclude the business is characterized in that: comprise step
A, user handle bank card (7) when professional in bank's application, put on record in bank computer center (1) as user cipher (6) with the phone number (5) of mobile phone (4) of oneself;
B, user use bank card (7) carry out bankcard consumption on the POS of franchised business of the bank machine (1-1), withdraw the money, withdraw the money at ATM (automatic teller machine) ATM (1-3) in bank counter card reader (1-2) account transfer, and during the payment transaction of bank (1-4) account transfer on the net, after obtaining inputing the prompting of password, the user dials private telephone (2) with mobile phone (4) by the communication network (8) of telecommunications company;
C, connect under the situation of private telephone (2) at user mobile phone (4), subscriber phone number (5) passes through communication network (8) by the telco switch system, deliver to private telephone (2), again in private telephone (2) is sent to incoming call calling number recognition device (3);
The phone number (5) that D, incoming call calling number recognition device (3) are sent here private telephone (2) is discerned, and then the phone number (5) that identifies is converted to the data layout of agreement, sends into bank computer center (1);
The user cipher (6) that E, bank computer center (1) are examined with the data layout phone number (5) that sends and the bank card (7) that carries out financial transaction of agreement conforms to, then proceed the financial transaction running program, do not conform to, then stop the financial transaction running program, and provide alarm.
2, root a tree name claim 1 is described is using bank card (7) to import the method and system of password when concluding the business, and this system is made up of POS machine (1-1), bank counter card reader (1-2), ATM (automatic teller machine) ATM (1-3), Web bank (1-4), bank card (7), user mobile phone (4), communication network (8), private telephone (2), the incoming call calling number recognition device (3) of bank computer center (1), franchised business of bank.
3, root a tree name claim 1 is described is using bank card (7) to import the method and system of password when concluding the business, and it is characterized in that: the described bank card of steps A (7) comprises all kinds of banks debit card, accurate credit card, credit card, cashier's check, bank book.
4, root a tree name claim 1 is described is using bank card (7) to import the method and system of password when concluding the business, it is characterized in that: the described mobile phone of steps A (4) can be a GSM mobile handset, also can be the CDMA mobile phone, can also be Personal Handyphone System(PHS) mobile phone (Personal Handyphone System).
5, root a tree name claim 1 is described is using bank card (7) to import the method and system of password when concluding the business, and it is characterized in that: the described communication network of step B (8) can be GSM mobile communications network, cdma mobile communication network, city fixed telephone network.
6, root a tree name claim 1 is described is using bank card (7) import the method and system of password when concluding the business, and it is characterized in that: the described private telephone of step B (2) can the while or separately from GSM mobile communications network, cdma mobile communication network, city fixed telephone network.
7, root a tree name claim 1 is described is using bank card (7) to import the method and system of password when concluding the business, it is characterized in that: the phone number (5) that the described incoming call calling number of step D recognition device (3) identifies, be converted into the data layout of agreement, send into bank computer center (1).
8, root a tree name claim 1 is described is using bank card (7) to import the method and system of password when concluding the business, it is characterized in that: the phone number (5) that the described incoming call calling number of step D recognition device (3) is sent here private telephone (2) is discerned, be to connect private telephone (2) at user mobile phone (4), and private telephone (2) is not finished under the state of off-hook.
9, root a tree name claim 1 is described is using bank card (7) to import the method and system of password when concluding the business, and it is characterized in that: the input method of user cipher (6) is to import by the mode of being used user mobile phone (4) to dial private telephone (2) by the user.
10, root a tree name claim 1 is described is using bank card (7) to import the method and system of password when concluding the business, and it is characterized in that: the user cipher (6) of user's bank card (7) is exactly the phone number (5) of user mobile phone (4).
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410026515 CN1564207A (en) | 2004-03-18 | 2004-03-18 | Method and system of inputting password of bank card for transaction |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410026515 CN1564207A (en) | 2004-03-18 | 2004-03-18 | Method and system of inputting password of bank card for transaction |
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| Publication Number | Publication Date |
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| CN1564207A true CN1564207A (en) | 2005-01-12 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200410026515 Pending CN1564207A (en) | 2004-03-18 | 2004-03-18 | Method and system of inputting password of bank card for transaction |
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| CN (1) | CN1564207A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2008037116A1 (en) * | 2006-09-27 | 2008-04-03 | Kamfu Wong | Method and system for encrypting transfer that the transfer code adding the user-defined arithmetic equal to the bank password |
| 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 |
-
2004
- 2004-03-18 CN CN 200410026515 patent/CN1564207A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2008037116A1 (en) * | 2006-09-27 | 2008-04-03 | Kamfu Wong | Method and system for encrypting transfer that the transfer code adding the user-defined arithmetic equal to the bank password |
| CN101523449B (en) * | 2006-09-27 | 2011-04-13 | 黄金富 | Method and system for encrypting transfer that the transfer code adding the user-defined arithmetic equal to the bank password |
| 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 |
| CN106411523B (en) * | 2016-08-24 | 2021-06-04 | 中国银行股份有限公司 | Bank card password generation method, verification method, equipment and system |
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