TW202326549A - Automatic credit card management system - Google Patents

Abstract

An automatic credit card management system for unlocking a locked credit card, consisting of a client device and a financial server that communicate with each other. The client device can send an unlock request to the financial server. Based on the unlock request, the financial server sends back an authentication request to the client device. The client device responds to the authentication request by sending authentication information back to the financial server. The financial server decides whether to send an unlock command based on the authentication information. The authentication data consists of a list of images displayed in the user interface, the authentication image captured by the camera, and a specified image unit selected from these image units.

Description

Credit card control system

The invention relates to a credit card control system.

Credit cards have become the most commonly used financial payment tools. However, with the vigorous development of the credit card industry, while reducing cash circulation and promoting social and economic progress, credit card fraud and criminal methods have emerged as the times require. How to use mobile phone text messages and online banking APP Real-time inquiry of consumption records and other relevant notification mechanisms to respond to ever-changing fraudulent behaviors, real-time detection and prevention of counterfeit transactions to ensure transaction security, most of the current counterfeit transaction investigation operations are still manual-based, therefore, for the part of counterfeit transaction investigation operations The process is supplemented by systematic treatment in order to reduce the manpower of counterfeit transaction investigation.

In order to reduce the loss of counterfeit and stolen swiping, the card-passing and online transactions are multiple transactions in a short period of time. When the number of card swipes and the amount touch the high-frequency and high-frequency security control parameters (the parameters are set and adjusted according to actual needs), the system will automatically Perform card locking and send reminders to cardholders. If the cardholder confirms that the transaction is his own, he can manually apply for unlocking.

At present, in order to unlock the credit card, even if the financial system can automatically send a reminder to the credit card holder, in order to prevent unscrupulous people from fraudulently using the cardholder's information to apply for unlocking, the bank still needs to use manual methods (for example: call the cardholder) It can only be unlocked after reviewing the relevant information. If the cardholder cannot be contacted for confirmation in real time, the follow-up still needs to be tracked and processed regularly, which will cause manpower burden or customer complaints caused by the busy customer service line and the cardholder's inability to enter the line to respond.

In view of the above-mentioned problems, the present invention provides a credit card control system, which helps to solve the current problem that the credit card unlocking operation needs to be performed after manually reviewing relevant materials.

The credit card control system disclosed in an embodiment of the present invention is used to unlock the locked credit card. The credit card control system includes: a client device, including a user interface and a camera; and a financial server, which communicates with the network client device. The client device can send an unlock request to the financial server. The financial terminal server feeds back an identity verification request to the client device according to the unlocking request. The client device responds to the identity verification request and feeds back identity verification information to the financial server. The financial terminal server decides whether to send an unlocking instruction according to the identity verification data. The identity verification data includes: an image list displayed on the user interface, the image list includes multiple image units for selection; an identity verification image captured by the camera, including at least one cardholder information; and from A specified image unit selected from the image units.

According to the credit card control system disclosed in the present invention, in addition to the cardholder information, the identity verification data sent from the client device also includes a designated image unit to assist verification, preventing non-cardholders from using the cardholder's photo or bill The copy is posing as an attempt to make the financial server misjudge and unlock the credit card.

The above description of the content of the present invention and the following description of the implementation are used to demonstrate and explain the principle of the present invention, and to provide further explanation of the patent application scope of the present invention.

The detailed features and advantages of the present invention are described in detail in the following embodiments, the content of which is sufficient to enable anyone familiar with the relevant art to understand the technical content of the present invention and implement it accordingly, and according to the content disclosed in this specification, the scope of the patent application and the drawings , anyone skilled in the relevant art can easily understand the present invention. The following examples are to further describe the concept of the present invention in detail, but not to limit the scope of the present invention in any way.

The credit card control system disclosed in an embodiment of the present invention is used to unlock the locked credit card. The credit card control system includes: a client device, including a user interface and a camera; and a financial server, which communicates with the network client device. The client device can send an unlock request to the financial server. The financial terminal server feeds back an identity verification request to the client device according to the unlocking request. The client device responds to the identity verification request and feeds back identity verification information to the financial server. The financial terminal server decides whether to send an unlocking instruction according to the identity verification data. The identity verification data includes: an image list displayed on the user interface, the image list includes multiple image units for selection; an identity verification image captured by the camera, including at least one cardholder information; and from A specified image unit selected from the image units.

According to the credit card control system disclosed in an embodiment of the present invention, the financial terminal server determines whether to send an unlock command according to the specified image unit.

According to the credit card control system disclosed in an embodiment of the present invention, the financial terminal server determines whether to send an unlock command according to both the cardholder information and the designated image unit.

According to the credit card control system disclosed in an embodiment of the present invention, the cardholder information includes at least one of the cardholder's face image and the credit card consumption bill.

According to the credit card control system disclosed in an embodiment of the present invention, the specified image unit is included in the contextual background displayed on the user interface.

According to the credit card control system disclosed in an embodiment of the present invention, the identity verification image contains a contextual background.

According to the credit card control system disclosed in an embodiment of the present invention, the client device encrypts the identity verification data with the authentication key and feeds it back to the financial server, and the financial server decrypts the identity verification data according to the authentication key.

According to the credit card control system disclosed in an embodiment of the present invention, the image list includes a plurality of electronic stickers, more specifically, a plurality of different electronic stickers.

According to the credit card control system disclosed in an embodiment of the present invention, the client device is a smart phone, and the camera is a front lens of the smart phone.

Please refer to FIG. 1 , which is a schematic diagram of a credit card control system according to an embodiment of the present invention. In this embodiment, the credit card control system 1 includes a client device 10 and a financial server 20 .

The client device 10 includes a user interface 110 and a camera 120 . The client device 10 is, for example but not limited to, a portable electronic device such as a smart phone, wherein the user interface 110 can be a touch screen of the smart phone, and the camera 120 can be a front lens of the smart phone. In some other embodiments, the client device can be installed in a financial institution, for example, the client device is an automatic teller machine, wherein the user interface is the screen of the automatic teller machine, and the camera 120 is a monitoring system installed in the financial institution. camera.

The financial terminal server 20 communicates with the client device 10 . The financial terminal server 20 includes, for example, a storage unit 210, which stores information related to the credit card holder (hereinafter referred to as the cardholder), including the cardholder's basic information (date of birth, gender, place of residence) etc.), credit card consumption history records and image units for identity verification, etc., which will be further explained later.

FIG. 2 is a schematic flow diagram of the unlocking operation of the credit card control system in FIG. 1 . The credit card control system 1 of FIG. 1 can unlock a locked credit card, which includes steps S1 to S4. When the cardholder learns (for example, notified by a financial institution or financial system) that the credit card is locked, the cardholder and/or the financial institution will first confirm whether the aforementioned locked card is an accidental lock event. Once it is determined that it is an accidental locking event, the cardholder will perform the unlocking operation through the credit card control system 1 .

Step S1 is to send an unlocking request to the financial terminal server 20 through the client device 10 . Specifically, the cardholder inputs an instruction to the client device 10 so that the client device 10 sends an unlock request to the financial server 20 . The specific implementation of the input command can be that the cardholder activates the relevant application software on the client device 10 and operates the application software through the user interface 110 or input devices (such as keyboard and mouse) to provide instructions.

Step S2 is that the financial terminal server 20 feeds back an identity verification request to the client device 10 according to the unlocking request. Specifically, after the financial terminal server 20 receives the unlocking request sent by the client device 10 in step S1 , the financial terminal server 20 returns an identity verification request to the client device 10 .

Step S3 is that the client device 10 responds to the identity verification request to feed back the identity verification data to the financial server 20 . Specifically, the application software of the client device 10 starts the identity verification process according to the identity verification request sent back to the client device 10 in step S2, and then notifies the cardholder to provide identity verification information so as to send it back to the financial terminal server device 20. Authentication data is further described below.

In this embodiment, the identity verification data includes an image list and an identity verification image. The image list can be displayed on the user interface 110 of the client device 10, and the image list can include multiple image units for the cardholder to select. These image units include different electronic maps or two-dimensional barcodes, wherein the differences may refer to different colors, different sizes or different patterns. Here, the storage unit 210 of the financial terminal server 20 has already stored the designated image unit set by the cardholder when applying for the card, and the cardholder can choose from these image units displayed on the user interface 110 at this time The image unit that is consistent with the specified image unit set during card application. Afterwards, a situational background B will be displayed on the user interface 110 as the background for subsequent photographing, and the image unit selected by the cardholder (ie, the designated image unit) is included in the situational background B. A specific example of the situational background B is, for example, a background image of a photo sticker.

Then, the cardholder captures the cardholder information A through the camera 120 of the client device 10 to generate an identity verification image including the cardholder information A and the context B containing the specified image unit. The cardholder information A includes, for example but not limited to, at least one of the cardholder's facial image and credit card consumption bill. For example, the generated identity verification image can be a selfie of the cardholder, and there is a contextual background B as a photo frame around the selfie, wherein the contextual background B includes the designated image unit selected by the cardholder in step S3 , but is not limited to specifying the position of the image unit within the authentication image.

Step S4 is that the financial terminal server 20 decides whether to send an unlock command according to the identity verification data. Specifically, the identity verification data including the identity verification image is sent to the financial terminal server 20, and then the analysis unit 220 in the financial terminal server 20 communicated with the storage unit 210 can analyze the identity verification data to determine the identity verification data Whether it really comes from the cardholder. First, the analysis unit 220 can analyze the cardholder information A (cardholder’s facial image or credit card consumption bill) in the identity verification image by the existing image recognition method to make the first judgment; then, the analysis unit 220 compares the identity verification Whether the specified image unit in the image matches the specified image unit stored in the storage unit 210 when applying for a card is used for the second determination. Once the two determinations are passed, the financial terminal server 20 will send an unlock command to start the unlocking operation of the credit card.

To sum up, since the identity verification data sent from the client device 10 includes the specified image unit (such as: context B) in addition to the cardholder information A to assist verification, it prevents non-cardholders from using the card The photo of the person or the copy of the bill pretends to be an attempt to make the financial terminal server 20 misjudge and unlock the credit card.

FIG. 3 is a schematic diagram of a credit card control system according to another embodiment of the present invention. In this embodiment, the credit card control system 1" includes a client device 10" and a financial server 20, wherein the client device 10" includes a user interface 110, a camera 120, and an encryption unit 130, and the financial server 20 It includes a storage unit 210 and an analysis unit 220 .

In this embodiment, the client device 10" can use the authentication key to encrypt the identity verification data and then feed it back to the financial server 20. Specifically, the encryption unit 130 of the client device 10" is, for example but not limited to, The image processing unit is capable of post-processing the generated identity verification data and attaching the authentication key. The post-processing is, for example, adding a mosaic or painting overlay to the cardholder information and image units in the identity verification image, and the additional authentication key is, for example, forming a sticker or two on the identity verification data that has been post-processed. QR code.

The financial terminal server 20 decrypts the identity verification data according to the authentication key. Specifically, when the financial terminal server 20 receives the identity verification data from the client device 10", the analysis unit 220 identifies the sticker or two-dimensional code used as the authentication key, and sets it with the card application stored in the storage unit 210. The preset texture or QR code is compared, and once the match is confirmed, the mosaic or coloring is removed to restore the identity verification image.

To sum up, according to the credit card control system disclosed in the present invention, besides the cardholder information, the identity verification data sent from the client device also includes a specified image unit to assist verification, preventing non-cardholders from using The photo of the cardholder or the copy of the bill pretends to be an attempt to make the financial server misjudge and unlock the credit card.

Although the disclosure of the embodiments of the present invention is as described above, it is not intended to limit the present invention. Anyone who is familiar with the related art can use the shapes, structures, and features described in the application scope of the present invention without departing from the spirit and scope of the present invention. Slight changes can be made in the spirit and spirit, so the scope of patent protection of the present invention must be defined in the scope of patent application attached to this specification.

1, 1": credit card control system 10, 10": client device 110: user interface 120: camera 130: encryption unit 20: financial terminal server 210: storage unit 220: analysis unit A: cardholder information B : Context S1~S4: Steps

FIG. 1 is a schematic diagram of a credit card control system according to an embodiment of the present invention. FIG. 2 is a schematic flow diagram of the unlocking operation of the credit card control system in FIG. 1 . FIG. 3 is a schematic diagram of a credit card control system according to another embodiment of the present invention.

1: Credit card control system

10: Client device

110: User Interface

120: camera

20: Financial server

210: storage unit

220: Analysis unit

A: Cardholder information

B: Situational background

Claims (10)

A credit card control system for unlocking locked credit cards, the credit card control system includes: a client device including a user interface and a video camera; and A financial terminal server communicates with the network client device, the client device can send an unlocking request to the financial terminal server, and the financial terminal server feeds back an identity verification to the client device according to the unlocking request Request, the client device responds to the identity verification request to feed back an identity verification data to the financial server, and the financial server determines whether to send an unlocking instruction based on the identity verification data; Among them, the identity verification information includes: an identity verification image captured by the camera, containing at least one cardholder information; and A specified image element selected from an image list displayed in the user interface. The credit card control system as described in Claim 1, wherein the financial terminal server determines whether to send the unlocking instruction according to the specified image unit. The credit card control system as described in Claim 1, wherein the financial terminal server determines whether to send the unlocking instruction according to both the at least one cardholder information and the designated image unit. The credit card control system as described in Claim 1, wherein the at least one cardholder information includes at least one of the cardholder's face image and the credit card consumption bill. The credit card control system as described in Claim 1, wherein the specified image unit is included in a contextual background displayed on the user interface. The credit card control system as described in Claim 5, wherein the identity verification image contains the context. The credit card control system as described in Claim 1, wherein the client device encrypts the identity verification data with an authentication key and feeds it back to the financial server, and the financial server decrypts the identity according to the authentication key Verify profile. The credit card control system as described in Claim 1, wherein the image list includes a plurality of electronic stickers. The credit card control system as described in Claim 1, wherein the image list includes a plurality of different electronic stickers. The credit card control system as described in Claim 1, wherein the client device is a smart phone, and the camera is a front lens of the smart phone.

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