WO2006024222A1 - A saving disposal system for bank and a method thereof - Google Patents

A saving disposal system for bank and a method thereof Download PDF

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Publication number
WO2006024222A1
WO2006024222A1 PCT/CN2005/001336 CN2005001336W WO2006024222A1 WO 2006024222 A1 WO2006024222 A1 WO 2006024222A1 CN 2005001336 W CN2005001336 W CN 2005001336W WO 2006024222 A1 WO2006024222 A1 WO 2006024222A1
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Prior art keywords
account
bank
security
transaction
password
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French (fr)
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Congtao Lei
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China Unionpay
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China Unionpay
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a security processing system and method for a bank.
  • bank cards have become an increasingly popular and convenient payment settlement tool.
  • criminal acts against bank cards are becoming more and more rampant.
  • criminals use violent means to force cardholders to provide bank cards and withdrawal passwords, which often leads to the occurrence of property. In this case, the cardholder is at risk of property damage and may be at risk.
  • the invention discloses a security alarm system for a bank, which is provided with an alarm password.
  • the customer can give the alarm password as a withdrawal password, so as to quietly alert the bank.
  • Bank counter personnel can pay attention to the criminals when the criminals withdraw funds, so that the bank can defend or the police can arrest criminals.
  • Li Xiaoping published an "alarm method" on September 6, 2000, whose application number is 99103845.2.
  • the invention also sets an alarm code for the account. The police can be alerted if the criminals withdraw funds, so as to facilitate the case.
  • a first object of the present invention is to provide a security processing system and method for a bank, in which an account owner can pre-set a security ratio of an account, and in the event of coercion, the money in the account can be partially preserved;
  • a second object of the present invention is to provide a security processing system and method for a bank, which can reduce the probability of criminals killing and killing through partial preservation of property, thereby thereby protecting personal safety;
  • a third object of the present invention is to provide a security processing system and method for a bank that reduces the cost of crime and reduces the crime rate by reducing the amount of money that criminals may obtain, as compared to the original banking system.
  • the present invention provides a security processing system for a bank, which automatically transfers the amount in the normal account to a specific account in accordance with the security ratio when the payee uses the security password, and responds with the updated balance. Human request.
  • the system includes: a bank account and transaction database, which includes basic information of the bank account and transaction records, the basic information of the bank account includes basic information of the account holder and related information of the bank account; and the bank account management subsystem is responsible for completing the account of the account owner.
  • Basic information and management of bank account related information transaction processing subsystem, which completes the processing of transaction requests, records transaction details, etc.; a security password, set in the bank account and transaction database, by the bank account management subsystem It is managed;
  • the basic information of the bank account also includes a security ratio a
  • the transaction processing subsystem also includes a procedure for identifying the security password and transferring it to a specific account according to the security ratio a.
  • the specific account described in the system is a public account that can be used together for all accounts with a security password set.
  • the system transfers part of the amount in the normal account to the public when the security password is detected.
  • the money transferred from the public account may be returned to the normal account upon request;
  • the specific account described in the system may also be a security account specially set for a normal account and uniquely corresponding to the normal account.
  • the bank account basic information is correspondingly increased in the basic information of the bank account, and the bank account management subsystem is correspondingly increased.
  • the security account management process the system transfers the partial amount in the normal account to the corresponding security account when detecting the security password, correspondingly, The money transferred out from the corresponding security account may also be returned to the normal account upon request;
  • the preservation ratio described in the system ranges from 0% a ⁇ 100%
  • the transaction processing subsystem of the system further includes a process of transferring the transfer to the transfer to restore the deposit amount of the original account according to the request;
  • the account status included in the basic information of the bank account described in the system adds the "preservation” mark to the original "normal”, “freeze” and other signs, so as to realize the conversion between the "normal” and “preservation” signs as needed. ;
  • the system also includes an alarm subsystem; the alarm subsystem is coupled to the transaction processing subsystem and automatically triggered by the transaction processing subsystem;
  • the present invention also provides a security processing method for a bank.
  • the method comprises the following steps: 1) the transaction processing subsystem receives the transaction request, and verifies the inquiry password or the withdrawal password. If the verification is passed, the request and the response are processed according to the normal process; 2) if the verification fails, the verification and the security are verified. The passwords are consistent. If they are inconsistent, the password error message is returned according to the normal processing flow.
  • step 4) described in the above method if the transaction request is a query history transaction record, the transaction information of "withdrawal” and “transfer” is replaced with "consumption” information before the record is displayed, so that even the displayed history The record becomes a decimal because it is multiplied by the coefficient b. Since the transaction information is displayed as "consumption", it is reasonable and will not be suspected.
  • the method also includes the step of transferring the transferred money into a transfer
  • the method can also trigger an alarm subsystem while executing the transfer instruction
  • the present invention can at least have the following three effects: 1) according to the will of the account owner, quietly and timely transfer the money in the account in accordance with the preservation ratio, and preserve the personal property; 2) Set the function to transfer money according to the security password, the cardholder does not have to bear when forced The total loss of the money can be handed over to the criminals to get money, to avoid personal injury, and criminals can not get huge sums of money at a time, which will prevent criminals from taking excessive actions, thus reducing the chance of killing , played a role in protecting the personal safety of the cardholders; 3) Because of the transfer function, the money that criminals can get in each crime is significantly reduced. The money that was originally obtained from a crime may now need to be committed multiple times.
  • FIG. 1 is a structural diagram of a system of the present invention.
  • Figure 2 shows the workflow of the transaction processing subsystem transferring funds from a normal account to a specific account and triggering the alarm subsystem.
  • FIG. 1 is a structural diagram of a system of the present invention.
  • the security processing system of the present invention will be further described below with reference to Fig. 1.
  • the system of the present invention includes an account and transaction database 1, an account management subsystem 2, a transaction processing subsystem 3, and an alarm subsystem 4; wherein, the account management subsystem 2 connects the account with the transaction database 1, transaction processing The subsystem 3 connects the account with the transaction database 1, and the transaction processing subsystem 3 has a calling relationship with the alarm subsystem; the account and transaction database 1 includes basic information of the bank account and the transaction record, and the basic information of the bank account includes the basic information of the account owner and the bank account.
  • Account Management Subsystem 2 is responsible for completing the management of the basic information of the account holder and the bank account related information; the transaction processing subsystem 3 completes the processing of the transaction request, records the transaction details, etc.;
  • the bank account basic information also has a security password and a security ratio a; in the transaction processing subsystem 3, a procedure for identifying the security password and transferring the money to a specific account according to the security ratio a is added, and the historical transaction is processed. Record the query and will transfer the money Return to the appropriate program for the normal account.
  • the alarm subsystem 4 completes the recording of the relevant information of the alarm account, and notifies the relevant responsible person through one or more methods such as computer network, mobile phone short message, and email.
  • the bank account management subsystem 2 adds a program for managing the security password, for example, for security Management functions such as password setting, loss reporting, modification, and cancellation;
  • the security password is a password that is independent of the bank card query password and withdrawal password. It must be different from the query password and the withdrawal password, but these normal transaction passwords are a string defined by the same data type and length;
  • the setting of the security password can be completed by the account owner through telephone banking, online banking, bank counter, etc.
  • the recommended method is to allow only the bank counter to apply for the identity document and the withdrawal password.
  • the loss of the password is the same as the process of reporting the loss of the withdrawal password.
  • the function of canceling the password is also required to hold the valid certificate at the issuing counter of the issuing bank. And need to enter the card number and withdrawal password verification.
  • the above-mentioned preservation ratio can be uniformly set by the bank without allowing the account owner to modify, for example, 90%, or the bank can set the initial value uniformly, allowing the account owner to modify. If the account owner is allowed to modify actively, the security ratio should be increased in the bank account and the basic information of the bank account in the transaction database. Accordingly, the account management subsystem should increase the management function to modify the preservation ratio.
  • the preservation ratio should be less than 100%, greater than or equal to 0%, but the recommended account owner or banking system only uses integers, such as 90%, 80%, etc., which is conducive to the rationality of historical transaction records.
  • the security ratio When the security ratio is 0%, it indicates that the account owner does not require the transfer in case of coercion, but only wants to inform the bank that the security password has been used by others, so the permission is 0%; and when the security ratio is 100%, All money is transferred out, which is unreasonable, so it is not allowed.
  • Figure 2 shows the workflow of the transaction processing subsystem transferring funds from a bank account to a specific account and triggering the alarm subsystem.
  • the bank's modified transaction processing subsystem when the bank's modified transaction processing subsystem receives the transaction request, it first verifies the inquiry password or the withdrawal password. If the verification is passed, the request and response are processed according to the normal process; if the verification fails, then Verify whether it is consistent with the security password. If it is inconsistent, return the password error message according to the normal processing flow; if it is verified as the security password, trigger the alarm subsystem, and execute a transfer instruction to transfer the amount in the account to the specific account according to the security ratio.
  • the account owner After the security password is used once, the account owner must take a valid ID card to go to the counter of the bank to go through the recovery procedures.
  • Figure 3 shows the flow chart for the money back to the normal account.
  • the transaction processing subsystem when the transaction processing subsystem receives the transfer instruction, the transaction processing subsystem will first verify the withdrawal password. If the withdrawal password does not pass, the "password error" message is returned; if the withdrawal password is correct, the transaction processor The system performs a transfer from the security account or the public account to the normal account; the account owner resets the account's security password; then the account status is restored from the original "security" flag to the "normal” flag; if the banking system is set up In the process of collecting the handling fee, the transaction processing subsystem will calculate and collect the handling fee and end the program; otherwise, the program will be terminated directly.
  • the system Since the system detects the security password, it means that the legal account owner is coerced, so the system will alarm, and the bank staff or the police who receive the alarm will take corresponding measures. Therefore, the security password should not be used arbitrarily. Banks can be controlled by charging a fee.
  • the system only provides an option for existing banking systems and account holders to protect their property by using a security code while at the same time reducing their personal risk. Whether to use the security password is entirely the choice of the account owner, even if the account has a security password, it can not be used, but to inform the criminals of the normal withdrawal password.

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Description

一种用于银行的保全处理系统及方法 技术领域 本发明涉及一种用于银行的保全处理系统及方法。
背景技术 随着银行卡受理环境的改善， 银行卡已经成为一种越来越受大众欢迎的、 便捷的支付结算工具。但是， 随着银行卡的普及， 针对银行卡的犯罪行为也越 来越猖獗，犯罪分子使用暴力手段胁迫持卡人提供银行卡以及取款密码，从而 冒领财物的情况屡有发生。在此情况下， 持卡人既面临财产损失的风险， 也可 能面临生命危险。
为此， 一个叫梁钢的发明人于 2001年 10月 31 日申请了一个 "用于银行 的一种安全报警系统及方法"的发明专利， 申请号为 01129862.6。 该发明公开 了用于银行的一种安全报警系统，它设置有报警密码， 当客户被逼迫说出银行 账户密码的时候，客户可将报警密码当成取款密码给出，以便向银行悄然报警， 这样，银行柜台人员在犯罪分子取款时能够留意该犯罪分子，便于银行保卫或 警察捉拿犯罪分子。
另外，一个叫李小平的发明人也于 2000年 9月 6日公开了 "一种报警方 法"， 其申请号为 99103845.2。 该发明也是为帐户设置了一个报警码。 可在犯 罪分子取款的情况下报警， 以方便事后破案。
虽然上述两项专利申请都设置了报警功能，但因为犯罪分子可在远离银行 甚至远离人群的 ATM机上取走帐户的全部款项，仍然不会留下任何破案线索， 导致持卡人的家属人财两空。所以， 当持卡人受到暴力胁迫时， 仍然会有如下 几种不利情况发生： 1 ) 持卡人知道事后破案困难， 所以担心钱款的全部损失 而不愿透漏取款密码等信息，结果往往是因犯罪分子不能得逞而恼羞成怒将持 卡人杀害； 2)如果犯罪分子得到的钱款额度较大， 其自然会担心事后被告发， 从而更加重了他们的犯罪心理， 结果往往杀人灭口。 发明内容 本发明的第一个目的是，提供一种用于银行的保全处理系统及方法，帐户 户主可以预先设定账户的保全比例，一旦遭遇胁迫， 能够使账户中的钱款得到 部分保全；
本发明的第二个目的是，提供一种用于银行的保全处理系统及方法， 能够 通过财产的部分保全而降低犯罪分子杀人灭口的几率，从而起到保护人身安全 的作用；
本发明的第三个目的是，提供一种用于银行的保全处理系统及方法，通过 降低犯罪分子可能取得的钱款，使得与原有银行系统相比提高了犯罪成本， 从 而降低犯罪率。
为实现如上目的，本发明提供了一种用于银行的保全处理系统，在取款人 使用保全密码时自动将正常帐户内的金额按照保全比例转入特定帐户内，并以 更新后的余额响应取款人的请求。
该系统包括： 银行账户与交易数据库， 其包括银行账户基本信息和 交易记录，银行账户基本信息包含帐户户主的基本信息和银行帐户的相关 信息；银行账户管理子系统，其负责完成对帐户户主的基本信息以及银行帐户 相关信息的管理； 交易处理子系统， 其完成对交易请求进行处理、对交易明细 进行记录等工作； 一个保全密码， 设置于银行账户与交易数据库中， 由银行账 户管理子系统对其进行管理； 银行帐户基本信息中还包括一个保全比例 a， 交 易处理子系统还包括对保全密码进行识别并按保全比例 a进行转账到特定账 户的程序。
在本系统中， 原银行系统为账户户主开设的银行帐户称之为"正常帐户"。 "交易 "是指 "消费 /转账 /存款 /取款 /查询 "等。
该系统所述的特定账户是一个可为所有设置了保全密码的账户共同使用 的公共账户，在这样的情况下，本系统在检测到保全密码时将正常帐户内的部 分金额转入到该公共帐户内，相应地，亦可根据请求从该公共帐户内将转出的 钱款返回至正常账户；
该系统所述的特定账户也可是专门为正常帐户设置并与正常账户唯一对 应的保全账户，在这样的情况下，银行帐户基本信息中相应增加保全账户的信 息， 银行账户管理子系统相应增加对该保全账户进行管理的程序，本系统在检 测到保全密码时将正常帐户内的部分金额转入到对应的保全帐户内， 相应地， 亦可根据请求从对应的保全帐户内将转出的钱款返回至正常账户；
该系统所述的保全比例范围为 0% a〈100%;
该系统所述的交易处理子系统还包括对转账后的账户余额以显示记录之 前的所有金额信息乘以系数 b (b=l-a), 同时将 "取款"和 "转帐" 的交易信 息用 "消费"来替代， 然后再执行交易历史记录显示的相应程序， 以避免取款 金额与历史纪录不符；
该系统所述的交易处理子系统还包括对所述转账进行转账冲正的程序，以 根据请求恢复原账户的存款金额；
该系统所述的银行账户基本信息中所包含账户状态在原有的 "正常"、 "冻 结"等标志之外增加了 "保全"标志， 以便根据需要实现 "正常"与 "保全" 标志间的转换；
该系统还包括一个报警子系统； 该报警子系统与交易处理子系统相连接， 并由交易处理子系统自动触发启动；
为实现上述目的， 本发明还可提供了一种用于银行的保全处理方法。 该方法包括如下步骤： 1 ) 交易处理子系统接收交易请求， 并验证查询密 码或取款密码， 如果验证通过， 则按正常流程处理请求和应答； 2) 如果验证 不通过， 则再验证是否与保全密码一致，如不一致则按正常处理流程返回密码 错误信息； 3 ) 如验证为保全密码， 则执行一个转账指令， 将账户内金额按照 保全比例 a转入到特定帐户， 并更新原账户余额； 4) 若交易请求为查询历史 交易记录， 则在显示记录之前将所有的金额信息乘以系数 b (b=l-a); 若为其 他交易请求， 则用更新后的账户余额按照正常程序响应交易的请求。
上述方法所述的步骤 4) 中， 若交易请求为査询历史交易记录， 则在显示 记录之前将 "取款"和 "转帐"的交易信息用 "消费"信息来替代， 这样， 即 使显示的历史记录中因为乘上系数 b而变成了小数， 由于交易信息显示为 "消 费"， 因此具有合理性， 不会遭到怀疑。
该方法还包括将转出款项进行转账冲正的步骤；
该方法在执行转账指令的同时还可触发报警子系统；
由于采用了以上的方案， 可使本发明至少具有以下三点效果： 1 ) 按照账 户户主的意志， 悄然而及时地将账户中的钱款按照保全比例转出，保全了个人 财产； 2) 由于设置了根据保全密码来转账的功能， 持卡人在被逼迫时不必担 心钱款的全部损失可将密码交出使犯罪分子得到钱款，避免受到人身伤害， 同 时犯罪分子一次不可能拿到巨额钱款， 这样会避免犯罪分子采取过激行为， 从 而降低杀人灭口的几率， 起到了保护持卡人人身安全的作用； 3 ) 由于设置了 转账功能， 犯罪分子在每次作案中能拿到的钱款明显降低， 原来一次作案拿到 的钱款现在可能需要多次作案才能获得，使得犯罪成本和风险明显加大，直接 遏制了犯罪分子的犯罪动机， 从根本上降低了社会的犯罪率。 附图说明 图 1为本系统的组成结构图。
图 2 为交易处理子系统将正常帐户内的款项转入到特定帐户并触发报警 子系统的工作流程。
图 3为钱款转回正常帐户的流程图。 具体实施方式 图 1为本系统的组成结构图，下面将参照图 1进一步说明本发明的保全处 理系统。
如图 1所示，本发明的系统包括账户与交易数据库 1、账户管理子系统 2、 交易处理子系统 3和报警子系统 4; 其中， 帐户管理子系统 2连接账户与交易 数据库 1， 交易处理子系统 3连接账户与交易数据库 1， 交易处理子系统 3与 报警子系 存在调用关系；账户与交易数据库 1包括银行账户基本信息和交易 纪录，银行账户基本信息包含帐户户主的基本信息和银行帐户的相关信息； 账 户管理子系统 2 负责完成对账户户主的基本信息以及银行账户相关信息的管 理;交易处理子系统 3完成对交易请求进行处理、对交易明细进行记录等工作; 在银行账户与交易数据库 1中，银行帐户基本信息还设有一保全密码以及一个 保全比例 a; 在交易处理子系统 3中增加了对保全密码进行识别并按保全比例 a进行转账到特定账户的程序， 以及处理历史交易记录查询和将转出钱款返回 给正常帐户的相应程序。 报警子系统 4完成对报警账户的相关信息进行记录， 并将报警信息通过电脑网络、手机短信、 电子邮件等一种或多种方式通知到相 关责任人。
银行账户管理子系统 2中增加了对保全密码进行管理的程序，例如对保全 密码的设定、 挂失、修改和取消等管理功能； 保全密码是独立于银行卡査询密 码、取款密码的一个密码， 其必须与查询密码和取款密码均不相同， 但与这些 正常交易密码为同一数据类型和长度定义的字符串；
保全密码的设定可以由帐户户主通过电话银行、 网上银行、银行柜台等方 式完成，但为了引起帐户户主的重视，推荐的方式是只允许期到银行柜台凭身 份证件和取款密码办理。设定时需要输入银行卡号和取款密码进行验证； 保全 密码的挂失流程和取款密码挂失流程一样处理， 需要到发卡行营业柜台办理； 取消保全密码服务功能也需要持有效证件在发卡行营业柜台办理，并需要输入 卡号和取款密码验证。
上述保全比例， 可以由银行统一设置而不允许账户户主修改， 例如 90%， 也可以由银行统一设置初始值， 允许帐户户主进行修改。若允许帐户户主主动 修改，则应在银行账户和交易数据库中的银行账户基本信息中相应增加保全比 例，相应地账户管理子系统应增加对保全比例进行修改的管理功能。该保全比 例应小于 100%， 大于等于 0%， 但推荐帐户户主或银行系统只采用整数， 例 如 90%、 80%等等， 这样有利于历史交易记录显示的合理性。 当保全比例为 0%时， 说明帐户户主不要求在遇到胁迫时进行转帐， 只是希望告知银行该保 全密码已被他人使用， 所以允许为 0%; 而当保全比例为 100%时， 则将所有 钱款都转出， 这是不合理的， 所以不允许。
下面， 再参照图 2和图 3进一步描述本发明所述的保全处理方法。
图 2 为交易处理子系统将银行帐户内的款项转入到特定帐户并触发报警 子系统的工作流程。
如图 2所示， 当银行的经过改造的交易处理子系统接收到交易请求时， 首 先验证查询密码或取款密码， 如果验证通过， 则按正常流程处理请求和应答； 如果验证不通过， 则再验证是否与保全密码一致， 如不一致则按正常处理流程 返回密码错误信息； 如验证为保全密码， 则触发报警子系统， 同时执行一个转 账指令， 将账户内金额按照保全比例转入到特定帐户， 并更新原账户余额； 将 账户状态设置为 "保全"标志； 交易处理子系统进一步响应交易请求， 若交易 请求为查询历史交易记录， 则在显示记录之前将所有的金额信息乘以系数 b (b=l-a), 并将 "取款"和 "转帐"的交易信息用 "消费"来替代； 若为其他 交易请求， 则用更新后的账户余额按照正常程序响应交易的请求。 保全密码在使用一次后， 帐户户主必须持有效身份证到幵户行柜台办 理恢复手续。
图 3为钱款转回正常帐户的流程图。 如图 3所示， 当交易处理子系统 接收到转款指令时， 该交易处理子系统将首先验证取款密码，如取款密码 不通过则返回 "密码错误"信息； 如果取款密码正确， 交易处理子系统执行从 保全账户或公共账户向正常账户的转账冲正指令；帐户户主重新设定账户的保 全密码； 随后账户状态由原来的 "保全"标志恢复设置为 "正常"标志； 如果 银行系统设置了收取手续费的程序，则交易处理子系统会计算并收取手续费并 结束程序； 否则直接结束程序。
由于本系统检测到保全密码，即认为合法的帐户户主人身受到胁迫，因此， 系统会报警， 接到报警信息的银行工作人员或警察会采取相应的措施。 所以， 保全密码不应该被随意使用。 银行可以通过收取一定手续费的方式来控制。
需要说明的是， 本系统仅仅给现有的银行系统和帐户户主提供了一个选 择，使其可以通过使用保全密码来保护自己的财产， 同时又可减轻自己的人身 危险。是否使用保全密码完全在于帐户户主的选择，即使其帐户拥有保全密码， 其也可以不使用， 而是告知犯罪分子正常的取款密码。
很显然，依据本发明的主旨，本发明的其它具体实施方式可以在不脱离本发明 的基本范围下加以想出（如当交易子系统査询到保全密码时， 也可将帐户总金 额减去一个预先设定金额之后进行转帐，这样可以避免存有巨款的账户损失较 大）。 应注意的是， 附图只例示本发明的典型实施方式， 因此， 并不应被认为 是本发明的范围限制。

Claims

权 利 要 求
1.一种用于银行的保全处理系统， 包括：
银行账户与交易数据库，其中包括银行账户基本信息和交易记录，银行账 户基本信息包含帐户户主的基本信息和银行帐户的相关信息；
银行账户管理子系统，其负责完成对帐户户主的基本信息以及银行帐户相 关信息的管理；
交易处理子系统，其完成对交易请求进行处理、对交易明细进行记录等工 作；
一个保全密码， 它设置于银行账户与交易数据库中， 由银行账户管理子系 统对其进行管理；
其特征在于， 银行帐户基本信息中还包括一个保全比例 a， 交易处理子系 统中还包括对保全密码进行识别并按保全比例 a进行转账到特定账户的程序。
2.如权利要求 1所述的用于银行的保全处理系统， 其中所述的特定账 户是一个可为所有设置了保全密码的账户共同使用的公共账户。
3.如权利要求 1所述的用于银行的保全处理系统， 其中所述的特定账 户是专门为正常帐户设置并与正常账户唯一对应的保全账户。
4.如权利要求 1所述的用于银行的保全处理系统， 其中所述的保全比 例范围为 0% a<100%。
5.如权利要求 1至 4所述的任一用于银行的保全处理系统， 其中所述 的交易处理子系统还包括对转账后的账户余额以显示记录之前的所有金额 信息乘以系数 b (b=l-a) 来进行交易历史记录显示的程序， 以避免取款金 额与历史纪录不符。
6.如权利要求 1至 4所述的任一用于银行的保全处理系统， 其中所述 的交易处理子系统还包括对所述转账进行转账冲正的程序， 以根据请求恢 复正常账户的存款金额。
7.如权利要求 5所述的任一用于银行的保全处理系统， 其中所述的交 易处理子系统还包括对所述转账进行转账冲正的程序， 以根据请求恢复原 账户的存款金额。
8.如权利要求 1至 4所述的任一用于银行的保全处理系统， 其中所述 的银行账户基本信息中原本存在的帐户状态信息中还设有一 "保全"标志， 以便根据需要实现 "正常"与 "保全"标志间的标志转换。
9.如权利要求 1-4所述的任一用于银行的保全处理系统，其特征在于， 它还包括一个报警子系统。
10. 如权利要求 9所述的用于银行的保全处理系统，其中所述的报警 子系统与交易处理子系统相连接， 并由交易处理子系统自动触发启动。
11. 一种用于银行的保全处理方法， 包括如下步骤：
1) 交易处理子系统接收交易请求，并验证查询密码或取款密 码， 如果验证通过， 则按正常流程处理请求和应答；
2) 如果验证不通过， 则再验证是否与保全密码一致，如不一 致则按正常处理流程返回密码错误信息；
3) 如验证为保全密码， 则执行一个转账指令，将账户内金额 按照保全比例 a转入到特定帐户， 并更新原账户余额；
4) 若交易请求为查询历史交易记录，则在显示记录之前将所 有的金额信息乘以系数 b (b=l -a) ; 若为其他交易请求， 则用更新 后的账户余额按照正常程序响应交易的请求。
12. 如权利要求 11所述的用于银行的保全处理方法， 其中所述的特 定账户是一个可为所有设置了保全密码的账户共同使用的公共账户。 .
13. 如权利要求 11所述的用于银行的保全处理方法， 其中所述的特 定账户是专门为正常帐户设置并与正常账户唯一对应的保全账户。
14. 如权利要求 11所述的用于银行的保全处理方法， 其中所述的保 全比例范围为 0% a〈100%。 、
15. 如权利要求 11所述的用 银行的保全处理方法， 其中所述的步 骤 4) 中， 若交易请求为查询历史交易记录， 则在显示记录之前还将 "取 款"和 "转帐" 的交易信息用 "消费"信息来替代。
16. 如权利要求 11至 15所述的任一用于银行的保全处理方法，其特 征在于， 它还包括将转出款项进行转账冲正的步骤。
17. 如权利要求 11至 15所述的任一用于银行的保全处理方法， 其 特征在于， 在执行转账指令的同时触发报警子系统。
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