TWM660783U - IMEI-based transaction binding system - Google Patents

Abstract

The present invention provides a transaction binding system based on IMEI, which is set in a bank host server, and includes a communication module, a binding module and a transaction verification processing module. The communication module is used to receive and transmit information. The binding module is used to receive the binding information of the customer communication device transmitted through the communication module, and bind the corresponding customer account according to the binding information, and has a binding database. When the transaction verification processing module receives the transaction information of the customer communication device transmitted through the communication module, it verifies the transaction information and the binding information according to the verification conditions, generates a verification result, and processes the transaction information with the verification result as passed.

Description

IMEI-based transaction binding system

A transaction binding system based on IMEI, in particular, a transaction binding system based on IMEI that binds the unique identification number of a mobile phone device to a financial account.

IMEI (International Mobile Equipment Identity) is a unique identification number for mobile devices, used to identify mobile devices worldwide. Each mobile phone has a unique IMEI code, which usually consists of 15 numbers and is assigned by the manufacturer during the production process. IMEI can be found by dialing *#06# or in the phone's settings, and can also usually be found on the back of the phone or on the battery.

IMEI is mainly used in the following aspects:

1. Device identification: IMEI can be used to uniquely identify a mobile device, which is very important for registration, warranty, repair, etc.

2. Anti-theft: When a mobile phone is stolen or lost, you can report the IMEI number to the local telecom operator, thereby blacklisting the phone and preventing it from being used for unauthorized purposes.

3. Network management: Telecommunications operators can use IMEI to manage device connections and communications to ensure network security and effectiveness.

4. Security verification: In some cases, IMEI can be used as part of security verification, such as confirming the legitimacy of the device in financial transactions or other sensitive operations.

In today's society, with the popularity of financial services, many people have multiple financial accounts, such as credit cards, bank accounts, etc. These accounts may be scattered in different banks or payment institutions, and each account plays a different role, such as daily consumption, wealth storage or investment management. However, when a customer loses a mobile phone or a purse, it is necessary to report the transaction functions of all related accounts, which is usually a time-consuming and labor-intensive process.

Losing a mobile phone or purse may cause customers to face the following problems:

1. Multiple contacts: Customers may need to contact each bank or payment institution separately to report the loss, which takes a lot of time and effort.

2. Risks and losses: Before the customer reports the loss, the thief may have used the stolen phone or purse to conduct unauthorized transactions, resulting in financial losses and inconvenience.

Based on this, how to develop a transaction binding system based on IMEI to solve the above problems has become a problem to be solved in the relevant technical field.

To solve the above problems, according to an embodiment, the present invention provides a transaction binding system based on IMEI, which is set in a bank host server and includes multiple hardware modules composed of multiple electrically connected hardware circuits. The above hardware modules include a communication module, a binding module and a transaction verification processing module.

The communication module is communicatively connected to a client communication device. The binding module is communicatively connected to the communication module, and is used to receive a binding information of the client communication device transmitted through the communication module, and bind the corresponding client account according to the binding information, and has a binding database. The transaction verification processing module is communicatively connected to the communication module and the binding module, and when receiving a transaction information of the client communication device transmitted through the communication module, the transaction verification processing module verifies the transaction information and the binding information according to a verification condition, generates a verification result, and processes the transaction information with the verification result as passed.

According to another embodiment, the IMEI-based transaction binding system further includes a loss reporting processing module, which is communicatively connected to the binding module and the communication module. When receiving a loss reporting information of the customer communication device transmitted through the communication module, the loss reporting processing module suspends the transaction function of the corresponding customer account according to the binding information.

According to another embodiment, the above binding information includes basic customer information, IMEI number or financial account information.

According to another embodiment, the above-mentioned verification condition is the IMEI number and IMEI binding status of the above-mentioned customer communication device.

According to another embodiment, the IMEI-based transaction binding system further includes a notification module, which is communicatively connected to the transaction verification processing module and the customer communication device. When the verification result is not passed, the notification module will transmit a notification message to the customer communication device according to a customer contact information.

According to another embodiment, the notification information includes the transaction information or connection status.

According to another embodiment, the above-mentioned customer contact information includes a mobile phone number or an email.

The claimed benefits of this new technology include: (1) Users can bind all related accounts at once without having to process them separately. (2) Before conducting a transaction, the system will verify the binding status between the mobile phone IMEI and the account to ensure the security and legality of the transaction. (3) Users only need to report the loss to one of the institutions without having to notify each bank or payment institution one by one to suspend the transaction functions of multiple banks or payment accounts bound to the mobile phone, saving the time and cost required to handle the loss reporting procedures. (4) Timely suspension of the transaction function of the account bound to the lost mobile phone effectively prevents the loss of money that may be caused by unauthorized transactions.

100: Transaction binding system based on IMEI

110: Communication module

120: Binding module

122: Binding database

130: Transaction verification processing module

140: Lost and reported processing module

150: Notification module

160: Customer communication device

200~206: Steps

In order to make the above-mentioned technology and other purposes, features, advantages and embodiments of the present invention more clearly understandable, the attached drawings are described as follows: Figure 1 is a schematic diagram of the structure of an IMEI-based transaction binding system according to one embodiment of the present invention.

FIG2 is a schematic diagram of the process of an IMEI-based transaction binding system according to an embodiment of the present invention.

In order to more specifically illustrate the various embodiments of the present invention, the following is supplemented by drawings. It should be understood that when an element is referred to as "connected" or "disposed" on another element, it can mean that the element is directly located on the other element, or there may also be an intermediate element, through which the element and the other element are connected. Conversely, when an element is referred to as "directly on another element" or "directly connected to another element", it can be understood that it is clearly defined that there is no intermediate element.

Please refer to Figure 1. According to one embodiment, the present invention provides a transaction binding system based on IMEI, in particular, by binding the user's mobile device with his payment account or other financial account, and using the IMEI of the user's mobile device as a unique identification code for identity verification during transactions. In addition, when the mobile device is lost or stolen, the transaction binding system based on IMEI can immediately stop transactions of all accounts bound to the mobile device.

Continuing with FIG. 1 , the IMEI-based transaction binding system 100 is set in a bank host server, including a communication module 110, a binding module 120 and a transaction verification processing module 130.

The communication module 110 is connected to the client communication device 160 for receiving and transmitting information transmitted by the client communication device 160, such as user transaction requests, setting changes, etc., and transmits such information to the corresponding module.

The binding module 120 is communicatively connected to the communication module 110. When receiving the binding information of the customer communication device 160 transmitted through the communication module 110, the binding module 120 binds the corresponding customer account according to the binding information, that is, binds the IMEI number of the mobile device to the customer account. At the same time, the binding module 120 has a binding database 122 for storing the binding information of the bound customers. The binding information includes basic customer information (such as name, contact information, etc.), IMEI number or financial account information.

The transaction verification processing module 130 is connected to the communication module 110 and the binding module 120. When receiving the transaction information from the client communication device 160 transmitted by the communication module 110, the transaction verification processing module 130 will simultaneously check the IMEI number of the client communication device 160 in the transaction information and its IMEI binding status. If the IMEI number of the client communication device 160 involved in the transaction information matches the record in the binding database 122 and the IMEI binding status is valid, a verification result of passing will be generated. Then, the transaction verification processing module 130 will allow the transaction to proceed and perform corresponding processing according to the nature of the transaction, such as completing the transfer, paying the order, etc. When the IMEI number of the customer communication device 160 involved in the transaction information does not match the one in the binding database 122 or the IMEI binding status is lost or cancelled, a verification result of failure will be generated, and the transaction verification processing module 130 will prohibit the transaction from continuing.

The IMEI-based transaction binding system 100 also includes a notification module 150, a communication connection transaction verification processing module 130 and a customer communication device 160. When the verification result is not passed, the notification module 150 transmits notification information to the corresponding customer communication device 160 according to the customer contact information. The above-mentioned customer contact information includes a mobile phone number or an email. The above-mentioned notification information includes transaction information or connection status, which is used to remind customers that the transaction is abnormal or needs further processing. The notification information may include transaction details, transaction amount, transaction object and other related transaction information, as well as the connection status when the transaction is executed, such as IP address, GPS coordinates and other information. Through these notification information, customers can learn about the status of the transaction in a timely manner.

The IMEI-based transaction binding system 100 further includes a loss reporting processing module 140, a communication connection binding module 120 and a communication module 110. When receiving the loss reporting information of the customer communication device 160 transmitted through the communication module 110, the loss reporting processing module 140 suspends the transaction function of the corresponding customer account according to the binding information. For example, when the customer finds that the mobile phone is lost or stolen, he immediately reports the loss through the APP. The loss reporting processing module 140 receives the loss reporting information transmitted by the communication module 110, and according to the IMEI information bound in advance, suspends the transaction functions of all corresponding customer accounts. This means that even if the phone is used improperly, transactions will be blocked to protect the customer's funds.

Please refer to Figure 2, which is a schematic diagram of the process of an IMEI-based transaction binding system according to one embodiment of the present invention.

In step 200, the communication module 110 receives the binding information transmitted by the client communication device 160.

In step 201, the binding module 120 binds the corresponding customer account according to the binding information transmitted by the communication module 110.

In step 202, the communication module 110 receives the transaction information transmitted by the client communication device 160.

In step 203, the transaction verification processing module 130 verifies the transaction information and binding information according to a verification condition.

In step 204, whether the verification is passed. If yes, proceed to step 205; if not, proceed to step 206, and the notification module 150 transmits the notification information to the client communication device 160.

In step 205, the transaction verification processing module 130 performs transaction processing on the transaction information.

It should also be noted that the term "includes", "comprising" or any other variation thereof is intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the phrase "comprising a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

It should be understood by those skilled in the art that the embodiments of the present invention may be provided as a process, a system or a computer program product. Therefore, the present invention may take the form of a complete hardware embodiment or an embodiment combining software and hardware aspects. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage memories (including but not limited to disk memory, CD-ROM, optical memory, etc.) containing computer-usable program codes.

Each embodiment in this specification is described in a progressive manner. The same or similar parts between the embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple. For the relevant parts, refer to the partial description of the method embodiment.

The above implementation cases are only specific examples and are not intended to limit the scope of this new model. Any equivalent modifications or changes made to them do not deviate from the spirit and scope of this new model and should be included in the scope of the patent application of this case.

100: Transaction binding system based on IMEI

110: Communication module

120: Binding module

122: Binding database

130: Transaction verification processing module

140: Lost and reported processing module

150: Notification module

160: Customer communication device

Claims (7)

A transaction binding system based on IMEI is provided in a bank host server, and includes a plurality of hardware modules composed of a plurality of electrically connected hardware circuits, wherein the hardware modules include: a communication module, communicatively connected to a customer communication device; a binding module, communicatively connected to the communication module, for receiving a binding information of the customer communication device transmitted through the communication module, and transmitting the corresponding customer information according to the binding information; The client account is bound, and a binding database is provided; and a transaction verification processing module is communicatively connected to the communication module and the binding module. When receiving a transaction information of the client communication device transmitted through the communication module, the transaction verification processing module verifies the transaction information and the binding information according to a verification condition, generates a verification result, and processes the transaction information with the verification result as passed. The IMEI-based transaction binding system as described in claim 1 further includes a loss reporting processing module, which is communicatively connected to the binding module and the communication module. When receiving a loss reporting information of the customer communication device transmitted through the communication module, the loss reporting processing module suspends the transaction function of the corresponding customer account according to the binding information. The IMEI-based transaction binding system as described in claim 1, wherein the binding information includes basic customer information, IMEI number or financial account information. The IMEI-based transaction binding system as described in claim 3, wherein the verification condition is the IMEI number and IMEI binding status of the customer's communication device. The IMEI-based transaction binding system as described in claim 1 further includes a notification module, which is communicatively connected to the transaction verification processing module and the customer communication device. When the verification result is not passed, the notification module will transmit a notification message to the customer communication device according to a customer contact information. The IMEI-based transaction binding system as described in claim 5, wherein the notification information includes the transaction information or connection status. The IMEI-based transaction binding system as described in claim 5, wherein the customer contact information includes a mobile phone number or an email address.

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