TWM642431U - Prevention and verification system for overseas financial transaction - Google Patents

Abstract

A prevention and verification system for overseas financial transactions, when the cross-border Internet Protocol address defense setting corresponding to the client identity in the transaction request is enabled, and the client identity corresponding to the country in the transaction Internet protocol address is not received in the transaction request When specifying the IP address range of the information, the bank transaction server randomly selects multiple candidate words based on the language information, generates a verification page from the multiple candidate words and verification words, and the transaction device receives and displays the verification page from the bank transaction server , the transaction device receives and provides the vocabulary to be verified to the bank transaction server on the verification page, and the bank transaction server performs financial transaction operations on the transaction request when the verification of the vocabulary to be verified is passed, so as to achieve the prevention and verification of overseas financial transactions Technical efficacy.

Description

Prevention and verification system for overseas financial transactions

A financial transaction prevention and verification system, especially a system for preventing and further verifying overseas financial transactions.

Due to the advancement of network technology, more and more financial transaction operations can be carried out through the Internet. It is a very mature technology to carry out online financial transaction operations through the Internet. However, with the convenience of financial transaction operations on the Internet This has further caused the problem that online financial transactions are not easy to prevent.

Specifically, the location of the fusion transaction is usually in the same region or country. If there is a sudden overseas financial transaction, the existing financial transaction will not have further precautions because the financial transaction occurs overseas. It is not easy to prevent overseas illegal financial transactions. This creation proposes the prevention and verification of overseas financial transactions.

To sum up, it can be known that the prior art has long existed the problem of lack of protection against foreign financial transactions in the process of financial transactions. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the lack of prevention of overseas financial transactions in the previous technology in the process of financial transactions, this creation discloses a prevention and verification system for overseas financial transactions, in which:

The prevention and verification system for overseas financial transactions disclosed in this creation includes: a transaction device and a bank transaction server, and the bank transaction server further includes: a transmitter, a storage device, a page builder and a transaction device.

The transaction device provides a transaction request and a transaction Internet Protocol Address (IP Address), receives and displays a verification page, and receives and provides words to be verified on the verification page.

The transmitter of the bank transaction server receives the transaction request transaction IP address from the transaction device, transmits the verification page to the transaction device, and receives the vocabulary to be verified from the transaction device; the memory of the bank transaction server corresponds to storing the customer identity (Identity, ID), language information, verification vocabulary, country information, and cross-border IP address protection settings; the page generator of the bank transaction server is the cross-border IP address protection corresponding to the customer identity in the transaction request When the setting is enabled, and the IP address range corresponding to the country information of the customer identity in the transaction IP address non-transaction request is received, multiple candidate words are randomly selected according to the language information, and the multiple A candidate vocabulary and a verification vocabulary generate a verification page; and when the transaction server of the bank transaction server matches the verification vocabulary corresponding to the customer identity in the transaction request, the transaction request performs a financial transaction operation.

The system disclosed in this creation is as above, and the difference between it and the previous technology is that when the cross-border IP address prevention setting corresponding to the customer identity in the transaction request is enabled, and the received transaction IP address is not a transaction When the client identity in the request corresponds to the IP address range of the country information, the bank transaction server randomly selects multiple candidate words according to the language family information, and puts the multiple candidate words Generate a verification page with the verification words, the transaction device receives and displays the verification page from the bank transaction server, the transaction device receives and provides the words to be verified to the bank transaction server on the verification page, and the bank transaction server sends the transaction request Carry out financial transaction operations.

Through the above-mentioned technical means, this creation can achieve the technical effect of providing prevention and verification of overseas financial transactions.

10: Trading device

20: Bank transaction server

21: Transmitter

22: Storage

23: Page Builder

24: Trader

31: Customer identity

32: Language information

33: Verification Vocabulary

34:Country information

35:Cross-border IP address prevention settings

401: Processor

402: Memory module

403: Bus

409: shell

41: Verification page

42: Transaction success page

43:Transaction failure page

44:Verification failed page

Step 501: The bank transaction server stores customer identity, language information, verification vocabulary, country information and cross-border IP address protection settings correspondingly in advance

Step 502: The transaction device provides the transaction request and the transaction IP address to the bank transaction server

Step 503: When the cross-border IP address protection setting corresponding to the customer identity in the transaction request is enabled, and the transaction IP address is not received in the transaction request, the IP address corresponding to the customer identity country information In the address range, the bank transaction server randomly selects multiple candidate words based on the language information, and generates a verification page with multiple candidate words and verification words

Step 504: The bank transaction server sends the verification page to the transaction device and displays it

Step 505: The transaction device receives and provides the vocabulary to be verified to the bank transaction server on the verification page

Step 506: When the vocabulary to be verified matches the verification vocabulary corresponding to the customer's identity in the transaction request, the bank transaction server performs financial transaction operations on the transaction request

Fig. 1A shows the system block diagram of the prevention and verification system for overseas financial transactions of this creation.

Figure 1B shows a schematic diagram of the components of the proposed system.

Figure 2 shows a schematic diagram of the content of the materials for the prevention and verification of overseas financial transactions of this creation.

Figure 3 shows a schematic diagram of the verification page for the prevention and verification of overseas financial transactions of this creation.

Figure 4A shows a schematic diagram of the successful transaction page for the prevention and verification of overseas financial transactions of this creation.

Figure 4B shows a schematic diagram of the transaction failure page for the prevention and verification of overseas financial transactions of this creation.

Figure 4C shows a schematic diagram of the verification failure page for the prevention and verification of overseas financial transactions of this creation.

Figure 5 shows a schematic diagram of the verification page for the prevention and verification of overseas financial transactions of this creation.

Figure 6 shows the flow chart of the prevention and verification of overseas financial transactions for this creation.

The implementation of this creation will be described in detail below with drawings and examples, so as to fully understand and implement the realization process of how this creation uses technical means to solve technical problems and achieve technical effects.

In the following, we will first explain the prevention and verification system for overseas financial transactions disclosed in this creation, and please refer to "Figure 1A". "Figure 1A" shows the system block of the prevention and verification system for overseas financial transactions in this creation picture.

The prevention and verification system for overseas financial transactions disclosed in this creation includes: a transaction device 10 and a bank transaction server 20, and the bank transaction server 20 further includes: a transmitter 21, a storage 22, a page generator 23 and a transaction device twenty four.

Both the transaction device 10 and the bank transaction server 20 are a form of computing equipment. The transaction device 10 tends to focus on the portability of the computing device, but it does not mean that the transaction device 10 does not pay attention to the computing performance and data security protection of the computing device...etc. Performance, the bank transaction server 20 tends to focus on the computing performance and data security protection of the computing equipment, etc., which is just an example here, and does not limit the application scope of this creation.

Please refer to "Figure 1B", which is a schematic diagram of the components of the system proposed in this creation.

The computing device mentioned in this creation includes but is not limited to hardware components such as one or more processors 401, one or more memory modules 402, and bus bars 403, wherein the bus bars 403 can connect different hardware components . Through the included multiple hardware components, the computing device can load and execute the operating system, so that the operating system can run on the computing device, and can also execute software or programs. The computing device also includes a casing 409 , and the various hardware components mentioned above are arranged in the casing 409 .

The bus 403 of the computing device mentioned in this invention may include one or more types, such as data bus, address bus, control bus, and extended function bus. (expansion bus), and/or local bus (local bus) and other types of bus. Buses for computing devices include, but are not limited to, parallel Industry Standard Architecture (ISA) busbars Bus, Peripheral Component Interconnect (PCI) Bus, Video Electronics Standards Association (VESA) Local Bus, Serial Universal Serial Bus (USB), Peripheral Component Interconnect Express (PCI-E) Bus, etc. .

The processor 401 of the computing device mentioned in the present invention is coupled to the bus 403 . The processor 401 includes a register group or a register space, which can be completely set on the processing wafer, or all or part of it is set outside the processing wafer and controlled by dedicated electrical circuits. connected and/or coupled to the processor via a bus. Processor 401 may be a processing unit, a microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processors, the processors included in the computing device are all the same or similar, and are coupled and communicated through a bus. The processor 401 can interpret a series of multiple instructions to perform specific operations or operations, such as mathematical operations, logical operations, data comparison, copying/moving data, etc., so as to run the operating system or execute various programs, modules, and/or or components.

The processor 401 of the computing device may be coupled to the chipset or electrically connected to the chipset through the bus bar 403 . The chipset is composed of one or more integrated circuits (ICs), including memory controllers and peripheral input/output (I/O) controllers, that is, memory controllers and peripheral I/O controllers can be included in Within one integrated circuit, it can also be implemented using two or more integrated circuits. The chip set usually provides input and output and memory management functions, and provides multiple general and/or special registers, timers, etc., wherein the above general and/or special registers and timers can be coupled or Accessed or used by one or more processors electrically connected to the chipset.

The processor 401 of the computing device can also access the data in the memory module 402 installed on the computing device and the mass storage area through the memory controller. The aforementioned memory module 402 includes any type of volatile memory (volatile memory) and/or non-volatile (non-volatile memory, NVRAM) memory, such as static random access memory (SRAM), dynamic random access memory (DRAM), Access memory (DRAM), flash memory (Flash), read-only memory (ROM), etc. The above-mentioned large-capacity storage area may include any type of storage device or storage medium, for example, a hard disk drive, a CD, a flash drive (flash memory), a memory card (memory card), a solid state drive (Solid State Disk, SSD), or any other storage device, etc. That is to say, the memory controller can access data in SRAM, DRAM, flash memory, hard disk drive, and solid-state hard disk.

The processor 401 of the computing device can also connect and communicate with peripheral devices or interfaces such as peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers through the peripheral I/O controller via the bus bar 403 . The peripheral input device can be any type of input device, such as keyboard, mouse, trackball, touch pad, joystick, etc., and the peripheral output device can be any type of output device, such as display, printer, etc., peripheral input device It can also be the same device as the peripheral output device, such as a touch screen. The communication interface can include a wireless communication interface and/or a wired communication interface. The wireless communication interface can include support for Wi-Fi, Zigbee and other wireless local area networks, Bluetooth, infrared, near field communication (NFC), 3G/4G/5G and other mobile communication networks The wired communication interface can be an Ethernet device, an ATM device, a DSL modem, a cable modem, etc. The processor 401 can poll various peripheral devices and interfaces periodically, so that the computing device can input and output data through various peripheral devices and interfaces, and can also communicate with another computing device having the elements described above .

The devices mentioned in the transaction device 10 and the bank transaction server 20 are usually generated after the processor 401 in the respective computing device executes a specific program loaded into the memory module 402 , or is included in the processor 401 .

The transaction device 10 establishes a connection with the bank transaction server 20 through a wired transmission method or a wireless transmission method. The aforementioned wired transmission method is, for example, a cable network, an optical fiber network, etc., and the aforementioned wireless transmission transaction request transfers out the account Ways such as Wi-Fi, mobile communication network, etc., are only used here as examples, and do not limit the scope of application of this creation.

…等，國別資訊例如是：中華民國、美國、日本…等，跨境網際網路協定位址防範設定分為致能(enable)以及禁能(disable)，在此僅為舉例說明之，並不以此侷限本創作的應用範疇。 The storage 22 of the bank transaction server 20 corresponds to storing customer identity, language information, verification vocabulary, country information, and cross-border IP address prevention settings. The customer identity is, for example, bank account number and credit card number...etc., language information For example: Chinese, English, Japanese, etc. Verification vocabulary such as: Sun Moon Lake, Grand Canyon National Park, Tokyo

...and so on, country information such as: the Republic of China, the United States, Japan, etc., cross-border IP address protection settings are divided into enable and disable, which are just examples here. This does not limit the scope of application of this work.

Please refer to "Picture 2". "Picture 2" is a schematic diagram of the data content of the prevention and verification of overseas financial transactions in this creation. In the embodiment, the customer identity 31 is "12345678", and the language information 32 is " Chinese", verification vocabulary 33 is "Sun Moon Lake", country information 34 is "Republic of China", and cross-border IP address prevention setting 35 is "enabled".

When a trader uses the transaction device 10 to conduct an online transfer or an online credit card financial transaction, the transaction device 10 provides the transaction request and the transaction Internet protocol address to the bank transaction server 20, and the trader can use the transaction device 10 through pre-login Internet banking or pre-login to the application program provided by the bank to conduct online transfer or online credit card financial transactions, traders can also use transaction device 10 to conduct online transfer or online credit card financial transactions through other applications, it is worth noting Yes, the aforementioned transaction request includes the transfer-out account, transfer-in account, and transfer amount. The aforementioned transaction request It may also include a credit card number, a security code, and a payee, which are only used here as an example and do not limit the scope of application of this creation.

When the transmitter 21 of the bank transaction server 20 receives the transaction request and the transaction IP address from the transaction device 10, the bank transaction server 20 first judges the cross-border IP address corresponding to the client identity in the transaction request. Whether the setting is enabled, when the cross-border Internet protocol address defense setting corresponding to the customer identity in the transaction request is enabled, and the transmitter 21 of the bank transaction server 20 receives the transaction Internet protocol address non-transaction request When the customer identity corresponds to the IP address range of the country information, the page generator 23 of the bank transaction server 20 randomly selects a plurality of candidate words according to the language information, and generates a verification page by combining the plurality of candidate words and verification words.

Specifically, assuming that the customer identity in the transaction request is "12345678" and the transaction IP address is "67.220.91.30", in "Figure 2" the customer identity 31 in the transaction request is "12345678" The IP address protection setting 35 is "enabled", the customer identity 31 in the transaction request is "12345678", the corresponding country information 34 is "Republic of China", and the country information 34 is the Internet corresponding to "Republic of China" The address range of the road agreement is "66.159.198.0 to 66.159.198.255", "66.171.112.0 to 66.171.113.255", "66.171.116.0 to 66.171.117.255"...etc., and the transaction Internet protocol address is "67.220. 91.30" means that the customer identity 31 in the non-transaction request is "12345678" and the corresponding country information 34 is the IP address range of "Republic of China". The page generator 23 of the bank transaction server 20 is based on the language information 32 as "Chinese "Random selection of candidate vocabulary is "Hamburg", "Presidential Palace" and "MRT", and the page generator 23 of the bank transaction server 20 selects the candidate vocabulary as "Hamburg", "Presidential Palace" and "MRT" and The verification vocabulary 33 generates a verification page 41 for "Ryton Lake". For the illustration of the verification page 41, please refer to "Part 3 As shown in Figure ", "Figure 3" is a schematic diagram of the verification page for the prevention and verification of overseas financial transactions in this creation.

After the page generator 23 of the bank transaction server 20 generates the verification page 41 , the verification page 41 can be transmitted to the transaction device 10 through the transmitter 21 of the bank transaction server 20 , and the transaction device 10 can display the verification page 41 .

When the trader uses the transaction device 10 to enter the word to be verified as "Ryton Lake" on the verification page 41, the transaction device 10 can receive the word to be verified as "Ryton Lake" on the verification page 41, and the transaction device 10 sends the word to be verified as "Ryton Lake". ” to the bank transaction server 20, the transmitter 21 of the bank transaction server 20 can receive the word to be verified as “Ryton Lake” from the transaction device 10.

Since the customer identity 31 in the transaction request is "12345678" and the corresponding verification vocabulary 33 is "Ryton Lake", the transmitter 21 of the bank transaction server 20 receives the word to be verified as "Ryton Lake", and the word to be verified at this time is "Ryton Lake" and Verify that the vocabulary 33 matches "Ryton Lake", the transaction device 24 of the bank transaction server 20 will perform financial transaction operations on the transaction request, and the transaction device 24 of the bank transaction server 20 can generate a transaction success page 42 when the transaction request is completed Please refer to "Figure 4A" for the successful transaction page 42. "Figure 4A" is a schematic diagram of the successful transaction page for the prevention and verification of overseas financial transactions created by this author. When the transaction fails, a transaction failure page 43 can be generated. Please refer to "Figure 4B" for the transaction failure page 43. "Figure 4B" is a schematic diagram of the transaction failure page for preventing and verifying overseas financial transactions.

When a trader uses the transaction device 10 to enter the word to be verified as "hamburger" on the verification page 41, the transaction device 10 can receive the word to be verified as "hamburger" on the verification page 41, and the transaction device 10 sends the word to be verified as "hamburger". ” to the bank transaction server 20, the transmitter 21 of the bank transaction server 20 can receive the word to be verified as “hamburger” from the transaction device 10.

Since the customer identity 31 in the transaction request is "12345678" and the corresponding verification vocabulary 33 is "Ryton Lake", the transmitter 21 of the bank transaction server 20 receives the word to be verified as "hamburger", and the word to be verified at this time is "hamburger" and If the verification vocabulary 33 is "Ryton Lake" does not match, the transaction device 24 of the bank transaction server 20 will generate a verification failure page 44. For the illustration of the verification failure page 44, please refer to "Figure 4C", which is shown in "Figure 4C" Create a schematic diagram of the verification failure page for the prevention and verification of overseas financial transactions.

In one embodiment, when the cross-border IP address protection setting corresponding to the customer identity in the transaction request is disabled (disable), when the transmitter 21 of the bank transaction server 20 receives the transaction request from the transaction device 10, The transaction device 24 of the bank transaction server 20 will directly carry out the financial transaction operation to the transaction request. The transaction device 24 of the bank transaction server 20 can generate a transaction success page 42 when the transaction request completes the transaction. The transaction device of the bank transaction server 20 24 A transaction failure page 43 can be generated when the transaction request fails.

In one embodiment, when the cross-border IP address protection setting corresponding to the customer identity in the transaction request is enabled, but the transmitter 21 of the bank transaction server 20 receives the transaction IP address as the transaction request When the customer identity corresponds to the IP address range of the country information, the transaction device 24 of the bank transaction server 20 will directly perform financial transaction operations on the transaction request, and the transaction device 24 of the bank transaction server 20 will complete the transaction request A transaction success page 42 can be generated during the transaction, and the transaction device 24 of the bank transaction server 20 can generate a transaction failure page 43 when the transaction request fails.

It is worth noting that, in addition to the above-mentioned verification method of pre-setting the verification vocabulary, the storage 22 of the bank transaction server 20 can also store the customer identity and the historical record of the IP address correspondingly. When the transaction request corresponds to the customer identity The cross-border IP address prevention setting is enabled, and the network that receives the customer identity corresponding to the country information in the transaction IP address non-transaction request When the IP address range is specified, the page builder 23 of the bank transaction server 20 selects the geographical name as the verification vocabulary according to the geographic information and language information corresponding to the IP address history record, and then according to the language information and non-Internet The geographical information corresponding to the historical record of the road agreement address randomly selects a plurality of candidate geographical names as a plurality of candidate words, and generates a verification page by combining the plurality of candidate words and verification words.

Specifically, assuming that the storage 22 of the bank transaction server 20 corresponds to storing the customer identity and the geographic information corresponding to the IP address history record as "Taiwan", when the cross-border IP address corresponding to the customer identity in the transaction request When the address protection setting is enabled, and when receiving the Internet Protocol address range corresponding to the country information of the customer identity in the transaction Internet protocol address non-transaction request, the page generator 23 of the bank transaction server 20 according to the Internet The geographical information corresponding to the IP address history records is "Taiwan" and the language information is "Chinese". Select the geographical name "Alishan" as the verification vocabulary, and then according to the language information is "Chinese" and the non-IP address history Record the corresponding geographic information (that is, geographic information other than "Taiwan" such as: Japan, the United States, etc.) randomly select candidate geographic names as "Cadillac Mountain", "Evans Mount" and "Mount Fuji", and the candidate geographic names " Cadillac Mountain", "Evans Mountain" and "Mt. Generate the verification page 41 with the verification vocabulary "Alishan". For the illustration of the verification page 41, please refer to "Figure 5". For the follow-up verification process after verifying page 41, please refer to the above description, which will not be repeated in this creation.

Next, the following will explain the operation process of this creation, and please also refer to "Figure 6", which shows the flow chart of the prevention and verification of overseas financial transactions of this creation.

First, the bank transaction server pre-stores customer identity, language information, verification vocabulary, country information, and cross-border IP address protection settings (step 501); then, the transaction device provides transaction requests and transaction IP addresses. address to the bank transaction server (step 502); then, when the cross-border IP address prevention setting corresponding to the customer identity in the transaction request is enabled, and the transaction IP address non-transaction request is received When the customer identity corresponds to the IP address range of the country information, the bank transaction server randomly selects a plurality of candidate words according to the language information, and generates a verification page with the plurality of candidate words and verification words (step 503); then, the bank transaction The server sends the verification page to the transaction device and displays it (step 504); then, the transaction device receives and provides the words to be verified on the verification page to the bank transaction server (step 505); finally, when the words to be verified and the transaction request in the customer When the verification vocabulary corresponding to the identity matches, the bank transaction server performs a financial transaction operation with the transaction request (step 506).

To sum up, it can be known that the difference between this invention and the prior art lies in that when the cross-border IP address protection setting corresponding to the customer identity in the transaction request is enabled, and the received transaction IP address is not a transaction When the customer identity in the request corresponds to the IP address range of the country information, the bank transaction server randomly selects multiple candidate words according to the language information, and generates a verification page from the multiple candidate words and verification words, and the transaction device starts from the bank transaction server. The server receives and displays the verification page, the transaction device receives and provides the words to be verified to the bank transaction server on the verification page, and the bank transaction server performs the financial transaction operation on the transaction request when the words to be verified pass the verification.

This technical means can solve the problem of lack of protection against overseas financial transactions in the process of financial transactions in the previous technology, and then achieve the technical effect of providing protection and verification of overseas financial transactions.

Although the embodiment disclosed in this creation is as above, the content described is not used to directly limit the scope of patent protection of this creation. Anyone with ordinary knowledge in the technical field to which this creation belongs can make slight changes in the form and details of the implementation without departing from the spirit and scope disclosed in this creation. The scope of patent protection for this creation must still be defined by the scope of the attached patent application.

10: Trading device

20: Bank transaction server

21: Transmitter

22: Storage

23: Page Builder

24: Trader

Claims (4)

A system for preventing and verifying overseas financial transactions, which includes: a transaction device, providing a transaction request and a transaction Internet Protocol Address (Internet Protocol Address, IP Address), receiving and displaying a verification page, in the verification The page receives and provides a vocabulary to be verified; and a bank transaction server, the bank transaction server further includes: a transmitter, receiving the transaction IP address of the transaction request from the transaction device, and transmitting From the verification page to the transaction device, the vocabulary to be verified is received from the transaction device; a storage device correspondingly stores a customer identity (Identity, ID), a language information, a verification vocabulary, a country information and A cross-border IP address protection setting; a page generator, when the cross-border IP address protection setting corresponding to the customer identity in the transaction request is enabled (enable), and receives When the transaction IP address is not in the range of IP addresses corresponding to the country information of the customer identity in the transaction request, randomly select a plurality of candidate words according to the language information, and convert a plurality of candidate words and the verification words to generate the verification page; and a trader, when the words to be verified match the verification words corresponding to the customer identity in the transaction request, the transaction request proceeds Financial transaction operations. The prevention and verification system for overseas financial transactions as described in claim 1, wherein the storage further includes corresponding storage of the customer identity and an IP address history record, and the page generator further includes when the The cross-border IP address protection setting corresponding to the customer identity in the transaction request is enabled, and the transaction IP address is not corresponding to the customer identity in the transaction request. For an IP address range of country information, select a geographical name as the verification vocabulary according to the geographical information corresponding to the IP address history record and the language information, and then according to the language information And the geographical information not corresponding to the IP address history record randomly selects a plurality of candidate geographical names as a plurality of candidate words, and generates the verification page by combining the plurality of candidate words and the verification words. The prevention and verification system for overseas financial transactions as described in claim 1, wherein the transaction device further includes when the cross-border IP address defense setting corresponding to the customer identity in the transaction request is disabled (disable), the transaction request performs a financial transaction operation. The prevention and verification system for overseas financial transactions as described in claim 1, wherein the transaction device further includes when the cross-border IP address defense setting corresponding to the customer identity in the transaction request is enabled , and when receiving that the transaction IP address is within the range of the IP address in which the customer identity corresponds to the country information in the transaction request, the transaction request performs a financial transaction operation.

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