CN206312231U - A kind of bank account system - Google Patents
A kind of bank account system Download PDFInfo
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- CN206312231U CN206312231U CN201621148652.0U CN201621148652U CN206312231U CN 206312231 U CN206312231 U CN 206312231U CN 201621148652 U CN201621148652 U CN 201621148652U CN 206312231 U CN206312231 U CN 206312231U
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- account
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- protection
- bank account
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Abstract
The utility model discloses a kind of bank account system, method therein includes：Judge whether password is that bank account identifies corresponding account password or protection password according to bank account mark and password；If account password, then the normal account operation interface corresponding with bank account is shown；If protection password, then show default virtual bank's account operation interface；The account balance shown on virtual bank's account operation interface is default protection remaining sum.Bank account system of the present utility model; for bank account, protection password and protection remaining sum are set; protection remaining sum can be operated when using protection password; and warning message can be sent; client is when being coerced, it is not necessary to worry debt meeting total loss, it is also possible to avoid being subject to personal injury; and can be perceived in the case of in time, automatic alarm information, protect property and the personal safety of client.
Description
Technical field
The utility model is related to bank account security technology area, more particularly to a kind of bank account system.
Background technology
The password of bank account is early eighties, and silver-colored behaviour adaptation savings Electronic Data Processing needs what is released to depositor, password
Use be confined to substantially in bank outlets' sales counter, depositor's withdrawal, transfer accounts etc. not only to input password also to provide payment with
Card bankbook, deposit receipt etc., will verify by teller's manual examination and verification, and the branch of wholesale is repaid and requires that client provides identity document.At present, silver
The usage scenario of row electronic cipher there occurs the change of essence, and most transaction is not carried out in bank outlets, particularly
Under current internet payment Finance Environment, normality is had become with password transaction, a transaction can just be completed for several seconds.Silver
Row card has become a kind of more and more popular, easily payment and settlement instrument, the most only one of which password of bank card.
With the popularization of bank card, the criminal offence for bank card is also more and more rampant, and offender's stress that uses violent means is held
Card people provides bank card and withdrawal password, if holder does not say password or deliberately inputs password by mistake, it is possible to can cause
Life danger.If holder is forced says withdrawal password, holder can only then abandon the property of oneself, and fund is by crime in card
Molecule is extracted or transferred accounts, and when danger is eliminated, then is alarmed.Banking system is difficult to find the feelings that holder is plundered in the very first time
Condition, it is impossible to and alarm, offender is arrested, ensure property and the personal safety of holder.
Utility model content
In view of this, a technical problem to be solved in the utility model is to provide a kind of bank account system.
According to one side of the present utility model, there is provided a kind of bank account system, including：Ustomer premises access equipment and rear end take
Business device, the ustomer premises access equipment is electrically connected with the back-end server；The bank account that be input into for client by the ustomer premises access equipment
Mark and password are sent to the back-end server；The back-end server according to the bank account mark and the password to
The ustomer premises access equipment sends normal account operation interface or the default virtual bank account corresponding with the bank account
Operation interface；Wherein, the perform function that virtual bank's account operation interface provides is carried with the normal account operation interface
The perform function of confession is identical, and the account balance shown on virtual bank's account operation interface is default protection remaining sum.
Alternatively, the back-end server, including：Password setup module, protection password, protection remaining sum are set for providing
Function；When the instruction of setting protection password of ustomer premises access equipment transmission is received, default protection password life is automatically based upon
The protection password is randomly provided into rule；Protection cryptographic binding module, the identity information for obtaining the bank account, base
Obtain remaining bank account for be associated with this identity information in the identity information, remaining bank account described in setting with it is described
Protect the corresponding relation of password.
Alternatively, the back-end server includes：Handling of card loss module, is sent for receiving by Web bank or phone
Report the loss request, according to it is described report the loss request carry bank account mark and password will be with the corresponding bank of bank account mark
Account is freezed, or obtains the identity information of the bank account, the whole bank accounts being associated with the identity information
Freeze.
Alternatively, the back-end server, also includes：Alarm module, for showing virtual bank's account operation
After interface, warning message is sent to bank management system or police's warning system, and startup is sent to the ustomer premises access equipment
Sectional drawing, the acquisition instructions taken pictures, record a video；The ustomer premises access equipment carries out evidence-gathering based on the acquisition instructions.
Alternatively, the ustomer premises access equipment includes：Self-service terminal, automatic teller machine；The self-service terminal includes：It is main
Machine, display screen, card reader, code keypad, fingerprint identification device and camera；The main frame respectively with the display screen, described
The electrical connection of card reader, the code keypad, the fingerprint identification device and the camera；The main frame refers to according to the collection
Order, controls the camera to be shot, and the figure that the fingerprint of the fingerprint identification device typing and the camera are shot
As being sent to the back-end server.
Bank account system of the present utility model, protection password and protection remaining sum are set for bank account, are being used
Protection remaining sum can be operated during protection password, and warning message can be sent, client is when being coerced, it is not necessary to worry debt
Can total loss, it is also possible to avoid being subject to personal injury, and can in the case where not being perceived in time, automatic alarm information, protect
Property and the personal safety of client are protected.
Brief description of the drawings
In order to illustrate more clearly of the utility model embodiment or technical scheme of the prior art, below will be to embodiment
Or the accompanying drawing to be used needed for description of the prior art is briefly described, it should be apparent that, drawings in the following description are only
Only it is some embodiments of the present utility model, for those of ordinary skill in the art, is not paying creative labor
Under the premise of, other accompanying drawings can also be obtained according to these accompanying drawings.
Fig. 1 is the handling process schematic diagram of the one embodiment according to bank account system of the present utility model；
Fig. 2 is the schematic diagram of the one embodiment according to bank account system of the present utility model；
Fig. 3 is that the module of the back-end server in the one embodiment according to bank account system of the present utility model is illustrated
Figure.
Specific embodiment
The utility model is described more fully with reference to the accompanying drawings, wherein illustrating exemplary reality of the present utility model
Apply example.Below in conjunction with the accompanying drawing in the utility model embodiment, the technical scheme in the utility model embodiment is carried out clearly
Chu, it is fully described by, it is clear that described embodiment is only a part of embodiment of the utility model, rather than whole realities
Apply example.Based on the embodiment in the utility model, those of ordinary skill in the art institute under the premise of creative work is not made
The all other embodiment for obtaining, belongs to the scope of the utility model protection.With reference to each figure and embodiment to this reality
Many descriptions are carried out with new technical scheme.
Fig. 1 is the handling process schematic diagram of the one embodiment according to bank account system of the present utility model, such as Fig. 1 institutes
Show：
Step 101, receives bank account mark and password.
Bank account can be the corresponding bank accounts such as bankbook, bank card, credit card, and bank account mark can be to deposit
Folding number, bank's card number, credit number etc..Client can be by Mobile banking, bank counter, ATM (Automatic Teller
Machine, ATM), e-bank's client, bank account mark and password are input into POS, for being handed over
Easily, for example, paying, enchashment, transferring accounts.
Step 102, judges whether password is that the corresponding account of bank account mark is close according to bank account mark and password
Code or protection password.
Step 103, if account password, then shows the normal account operation interface corresponding with bank account.
Step 104, if protection password, then show default virtual bank's account operation interface.
Account password is the password for normal banking, and the remaining sum shown in normal account operation interface is and bank
The operations such as the corresponding true remaining sum of account, client can be consumed to true remaining sum, be transferred accounts, withdrawal.Virtual bank's account
It is the virtual account bound with bank account or the virtual account for independently opening up, the execution that virtual bank's account operation interface provides
Function is identical with the perform function that normal account operation interface provides, and also has the functions such as consumption, account transfer, withdrawal, but virtual
The account balance shown in bank account operation interface is default protection remaining sum, and protection remaining sum is that client is set or system is automatic
Set, for example, real remaining sum is 10000 yuan, but the protection remaining sum that client is set is 100 yuan, at normal account operation interface
The remaining sum of middle display is 10000 yuan, and the account balance shown on virtual bank's account operation interface is 100 yuan.
Client can set two passwords when account is opened, and one of them is used for the account password of normal operating, another
Individual is protection password.Under normal circumstances, client's password that can access to your account is operated to bank account, is such as withdrawn the money, is transferred accounts
Deng.When run into inherently safe run into threat or other be unwilling use true remaining sum in the case of, using protection password, can be only
Protection remaining sum is inquired about, is withdrawn the money, the operation such as transfer accounts.
For example, input protection password after, bank card client can normally withdraw the money, Net silver client can with arm's length dealing, transfer accounts,
But warning message can be sent simultaneously.Suffer to seize on both sides by the arms etc. in particular cases using protection password in bank's cardholder, not by
In the case that user perceives, the safety of client's property can to greatest extent be protected with automatic alarm.Protection password in itself can
Enough triggering alarms, the operation such as also can be inquired about and be withdrawn the money to protection remaining sum, when holder is seized on both sides by the arms can with normal queries, take
Money, will not cause the suspection for seizing people on both sides by the arms.
When account password is generated to bank account, there is provided protection password, the function of protection remaining sum are set.Set when receiving
It is close based on the automated randomized generation protection of default protection password create-rule when putting protection password and protecting the instruction of remaining sum
Code, its protection password create-rule includes：One or more plus or minus default numerical value in account password, to account
The digit sequence of password is adjusted.After protection password is set successfully, the protection password create-rule for using is shown.
Client can set account password when account is opened, set account password can by householder by telephone bank,
The modes such as Web bank, bank counter are completed.After account password is set, point out whether client sets protection password, if
Customer selecting sets protection password, then based on the automated randomized generation protection password of default rule.For example, the account set in client
The a certain position of family password adds 1, subtracts 1, or is the 3rd order exchange etc. by the 2nd of account password the.In generation protection password
Afterwards, then rule is sent to client, for example, " a certain position of account password is added 1, subtracts 1 ", " be the 3rd by the 2nd of password the
Order is exchanged " etc..Banking system need not show protection password, and client is that may know that protection password.Client can be according to itself
Selection set protection remaining sum, for example, be 100 yuan etc..
Client can change protection password by ATM, Web bank or telephone bank etc., use protection password
Afterwards, account is such as returned to normal condition and is gone through the formalities to bank outlets, it is necessary to hold identity document in person by client.When client meets
The protection password can be in emergency circumstances surrendered to kidnapping is kidnapped, due to being provided with protection remaining sum, it is not necessary to worry that debt can be all
Loss, and offender is obtained debt, it is to avoid by personal injury, while offender can also be avoided to take huge debt
The probability killed all so that there won't be any eyewitness left afterwards, play a part of protect client's personal safety, and can also automatic alarm, allow bank clerk,
The police can take appropriate measures.
When to bank account generation protection password, the corresponding identity information of bank account is obtained.Identity based on client
Remaining bank account that acquisition of information is associated with this identity information, for example, other bank cards, bankbook, credit card etc., there is provided
To remaining bank account binding protection password function, when customer selecting set protection password when, set remaining bank account with
Protect the incidence relation of password.
Bank card, identity card as client etc. are lost, or recognize to have revealed the customer information of oneself constantly, can pass through
Web bank or phone etc. carry out reporting the loss request, report the loss request and carry bank account mark and password.According to bank account mark
Know and password judges whether password is that bank account identifies corresponding account password or protection password, if account password, then
The corresponding bank account of bank account mark that request carrying will be reported the loss is freezed, if protection password, then obtain bank account
Corresponding identity information, whole bank accounts that identity-based acquisition of information is associated with this identity information, and by whole bank's accounts
Freeze at family.
For example, current banking system by Web bank or phone etc. when being reported the loss, formality is more complicated.Client
With multiple bank cards, credit card or bankbook, multiple multiple bank cards, credit card or bankbook as client etc. are lost or by telecommunications
When swindling and having revealed bank account information, client is reported the loss using protection password to a bank card, and system obtains silver
The row corresponding identity information of card, whole bank card that identity-based acquisition of information is associated with this identity information, credit card or deposits
Folding freezes whole bank cards of client, credit card or bankbook (except forbidding reporting the loss except policy reasons), and operation is very
It is quick and easy.
After display virtual bank's account operation interface, alarm signal is sent to bank management system or police's warning system
Breath, and start sectional drawing, take pictures, recording function carries out evidence-gathering.For example, after ATM withdrawal machine receives collection instruction, it is automatic to obtain
Relevant information is simultaneously sent bank management system by remittee's photo, geographical position etc..When client is forced in online account trading,
Such as Net silver, online shopping mall, client's input protection password, webpage obtain IP address, MAC Address, call image head to take pictures, and move
Dynamic terminal obtains GPS information, calls preposition image head to take pictures, and information is sent into bank management system.Bank management system
Or police's warning system is processed accordingly according to warning system, client can be avoided from being lost by bigger, and can be as early as possible
Offender is set to be caught.
As shown in Fig. 2 the utility model provides a kind of bank account system, including：Ustomer premises access equipment 21 and back-end services
Device 22.Ustomer premises access equipment 21 and the mode of the connection of back-end server 22 include：Bus, Ethernet.Ustomer premises access equipment 21 is input into silver
Row account identification and password, including：Mobile banking, bank counter machine, ATM, e-bank's client, POS etc..Rear end takes
Business device 22 judges whether password is that bank account identifies corresponding account password or protects close according to bank account mark and password
Code.If account password, then back-end server 22 shows normal account operation interface or the transmission corresponding with bank account
To ustomer premises access equipment 21.If protection password, then back-end server 22 show default virtual bank's account operation interface or
It is sent to ustomer premises access equipment 21.The perform function that virtual bank's account operation interface provides is provided with normal account operation interface
Perform function is identical, and the account balance shown on virtual bank's account operation interface is default protection remaining sum.
As shown in figure 3, back-end server 22 includes：Password setup module 221, protection cryptographic binding module 222, report the loss place
Reason module 223 and alarm module 224.When password setup module 221 generates account password to bank account, there is provided it is close that protection is set
The function of code, protection remaining sum.When the instruction for setting protection password and protection remaining sum is received, the base of password setup module 221
In the automated randomized generation protection password of default protection password create-rule, wherein, protection password create-rule includes：To account
One or more plus or minus default numerical value in password, the digit sequence to account password are adjusted.It is close protecting
After code is set successfully, password setup module 221 sends the protection password create-rule for using to ustomer premises access equipment.
Protection cryptographic binding module 222 obtains the corresponding identity of bank account when to bank account generation protection password
Information.Remaining bank account that the identity-based acquisition of information of protection cryptographic binding module 222 is associated with this identity information, there is provided
The function of protection password is bound to remaining bank account, remaining bank account is set according to setting instruction and associating for password is protected
Relation.
Handling of card loss module 223 to be received and report the loss request by what Web bank or phone sent, wherein, report the loss request and take
With bank account mark and password.Handling of card loss module 223 judges whether password is silver according to bank account mark and password
The corresponding account password of row account identification or protection password.If account password, then handling of card loss module 223 will report the loss request
The bank account of carrying identifies corresponding bank account and freezes.If protection password, then the corresponding identity of bank account is obtained
Information, whole bank accounts that the identity-based acquisition of information of handling of card loss module 223 is associated with this identity information, and will be all silver-colored
Row account is freezed.
Alarm module 224 is alarmed after display virtual bank's account operation interface to bank management system 23 or the police
System 24 sends warning message, and the instruction for starting sectional drawing, taking pictures, record a video is sent to ustomer premises access equipment 21.Ustomer premises access equipment 21
Evidence-gathering is carried out based on instruction.
Ustomer premises access equipment 21 can have various, for example, self-service terminal.Self-service terminal can be ATM etc., from
Helping service terminal includes：Main frame, display screen, card reader, code keypad, fingerprint identification device and shooting are first-class.In Self-Service
In the banking flow that terminal is carried out, fingerprint recognition or recording step can be set, recognized by fingerprint identification device, recorded
The fingerprint of user.Main frame is electrically connected with display screen, card reader, code keypad, fingerprint identification device and camera respectively.Main frame
According to acquisition instructions, control camera is shot, and the image that the fingerprint of fingerprint identification device typing and camera are shot
It is sent to back-end server 22.
The bank account system provided in above-described embodiment, protection password and protection remaining sum are set for bank account,
Protection remaining sum can be operated when using protection password, and warning message can be sent.Due to be provided with protection password with
And protection remaining sum, client is when being coerced, it is not necessary to worry debt meeting total loss, it is also possible to avoid being subject to personal injury, and energy
In the case where not being perceived, timely, automatic alarm information, protects property and the personal safety of client.
Method and system of the present utility model may be achieved in many ways.For example, can be by software, hardware, firmware
Or any combinations of software, hardware, firmware realize method and system of the present utility model.The step of for method it is above-mentioned
Order is not limited to order described in detail above merely to illustrate, the step of method of the present utility model, unless with it
Its mode is illustrated.Additionally, in certain embodiments, also the utility model can be embodied as recording journey in the recording medium
Sequence, these programs are included for realizing the machine readable instructions according to method of the present utility model.Thus, the utility model also covers
Lid storage is used to perform the recording medium of the program according to method of the present utility model.
Description of the present utility model is given for the sake of example and description, and is not exhaustively or by originally
Utility model is limited to disclosed form.Many modifications and variations are for the ordinary skill in the art obvious.
Selection and description embodiment are, in order to more preferably illustrate principle of the present utility model and practical application, and to make the common skill of this area
Art personnel are it will be appreciated that the utility model is suitable to the various embodiments with various modifications of special-purpose so as to design.
Claims (3)
1. a kind of bank account system, it is characterised in that including：
Ustomer premises access equipment and back-end server, the ustomer premises access equipment are electrically connected with the back-end server；The user terminal sets
The standby bank account mark for being input into client and password are sent to the back-end server；The back-end server is according to the silver
Row account identification and the password send normal account operation circle corresponding with the bank account to the ustomer premises access equipment
Face or default virtual bank's account operation interface, the perform function that virtual bank's account operation interface provides with it is described just
The perform function that normal account operation interface provides is identical, and the account balance shown on virtual bank's account operation interface is
Default protection remaining sum；
The back-end server includes：Alarm module, for after virtual bank's account operation interface is shown, to bank
Management system or police warning systems send warning message, and send to the ustomer premises access equipment and to start sectional drawing, take pictures, record a video
Acquisition instructions；
The ustomer premises access equipment includes：Self-service terminal, automatic teller machine；The self-service terminal includes：Main frame, display screen,
Card reader, code keypad, fingerprint identification device and camera；The main frame respectively with the display screen, card reader, described
The electrical connection of code keypad, the fingerprint identification device and the camera；The main frame controls the shooting according to acquisition instructions
Head is shot, and the image that the fingerprint of the fingerprint identification device typing and the camera shoot is sent into the rear end
Server.
2. the system as claimed in claim 1, it is characterised in that：
The back-end server, including：
Password setup module, the function of protection password, protection remaining sum is set for providing；Receiving ustomer premises access equipment transmission
When the instruction of protection password is set, it is automatically based upon default protection password create-rule and is randomly provided the protection password；
Protection cryptographic binding module, the identity information for obtaining the bank account is obtained and this based on the identity information
Remaining associated bank account of identity information, sets the corresponding relation of described remaining bank account and the protection password.
3. system as claimed in claim 2, it is characterised in that：
The back-end server includes：
Handling of card loss module, report the loss request by what Web bank or phone sent for receiving, and reports the loss request and takes according to described
The bank account mark and password of band will be freezed with the bank account corresponding bank account of mark, or obtain the bank account
Identity information, the whole bank accounts being associated with the identity information are freezed.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201621148652.0U CN206312231U (en) | 2016-10-20 | 2016-10-20 | A kind of bank account system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201621148652.0U CN206312231U (en) | 2016-10-20 | 2016-10-20 | A kind of bank account system |
Publications (1)
| Publication Number | Publication Date |
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| CN206312231U true CN206312231U (en) | 2017-07-07 |
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ID=59242571
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201621148652.0U Active CN206312231U (en) | 2016-10-20 | 2016-10-20 | A kind of bank account system |
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| CN (1) | CN206312231U (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106504086A (en) * | 2016-10-20 | 2017-03-15 | 方琳 | A kind of method and bank account system for protecting bank account safety |
| CN112150139A (en) * | 2020-09-30 | 2020-12-29 | 中国银行股份有限公司 | Data analysis method and device |
-
2016
- 2016-10-20 CN CN201621148652.0U patent/CN206312231U/en active Active
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106504086A (en) * | 2016-10-20 | 2017-03-15 | 方琳 | A kind of method and bank account system for protecting bank account safety |
| CN112150139A (en) * | 2020-09-30 | 2020-12-29 | 中国银行股份有限公司 | Data analysis method and device |
| CN112150139B (en) * | 2020-09-30 | 2023-09-26 | 中国银行股份有限公司 | Data analysis method and device |
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