WO2006024222A1

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

Info

Publication number: WO2006024222A1
Application number: PCT/CN2005/001336
Authority: WO
Inventors: Congtao Lei
Original assignee: China Unionpay
Priority date: 2004-08-30
Filing date: 2005-08-29
Publication date: 2006-03-09
Also published as: CN1744127A

Abstract

A saving disposal system for bank and a method thereof, by which customer can presets a saving proportion to paritially save fund in bank account in case of being intimidated. The system includes a bank account and a transaction database, a bank account management subsystem, a transaction processing subsystem, a saving password and a saving proportion, wherein the transaction processing subsystem also includes a program that identifies the saving password and transfers the fund in normal account to specific account according to the saving proportion. When payee uses the saving password, the system can automatically transfer the fund in the normal account to the specific account according to the saving proportion and respond payee's request with updated balance. The present invention can save personal property and decrease the ratio of crime in the society.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a security processing system and method for a bank.

BACKGROUND OF THE INVENTION With the improvement of the acceptance environment of bank cards, bank cards have become an increasingly popular and convenient payment settlement tool. However, with the popularization of bank cards, 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.

To this end, an inventor named Liang Gang applied for an invention patent for a security alarm system and method for banks on October 31, 2001, with application number 01129862.6. The invention discloses a security alarm system for a bank, which is provided with an alarm password. When a customer is forced to speak a bank account 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.

In addition, an inventor named 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.

Although both of the above patent applications have an alarm function, because the criminals can take away all the funds from the ATM at a bank far away from the bank or even away from the crowd, there will still be no clues to solve the case, resulting in the family of the cardholder. Two empty. Therefore, when the cardholder is subjected to violent coercion, there are still several unfavorable situations: 1) The cardholder knows that it is difficult to solve the case afterwards, so he is worried about the total loss of the money and is reluctant to disclose the information such as the withdrawal password. The result is often If the criminals are not angry, they will be angered by the cardholders; 2) If the criminals receive a large amount of money, they will naturally worry about being accused afterwards, which will further increase their criminal psychology, and the result will often kill people. Summary of the invention 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.

In order to achieve the above objective, 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, and 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.

In this system, the bank account opened by the original banking system for the account holder is called a "normal account." "Transaction" means "consumption / transfer / deposit / withdrawal / inquiry" and so on.

The specific account described in the system is a public account that can be used together for all accounts with a security password set. In this case, the system transfers part of the amount in the normal account to the public when the security password is detected. Within the account, correspondingly, 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. In this case, 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 described in the system further includes multiplying the account balance after the transfer to display all the amount information before the record by the coefficient b (b=la), and simultaneously using the "withdrawal" and "transfer" transaction information. "to replace, and then execute the corresponding program displayed in the transaction history to avoid the withdrawal amount does not match the historical record;

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;

To achieve the above object, 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. 3) If the verification is a security password, a transfer instruction is executed, and the amount in the account is transferred to the specific account according to the security ratio a, and the original account balance is updated; If the transaction request is a query history transaction record, all the amount information is multiplied by the coefficient b (b=la) before the record is displayed; if it is a other transaction request, the updated account balance is used to respond to the transaction request according to the normal procedure. .

In 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;

By adopting the above scheme, 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. In order to obtain, the crime costs and risks are significantly increased, which directly curbs the criminal motives of criminals and fundamentally reduces the crime rate of society. BRIEF DESCRIPTION OF DRAWINGS 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.

Figure 3 shows the flow chart for the money back to the normal account. BEST MODE FOR CARRYING OUT THE INVENTION 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.

As shown in 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. Relevant information; 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.; In the database 1, 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. However, in order to attract the attention of the account owner, the recommended method is to allow only the bank counter to apply for the identity document and the withdrawal password. When setting, you need to input the bank card number and the withdrawal password for verification. The loss of the password is the same as the process of reporting the loss of the withdrawal password. You need to go to the issuing counter of the issuing bank. 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. 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.

Next, the preservation processing method of the present invention will be further described with reference to Figs. 2 and 3.

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.

As shown in Figure 2, 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. And update the original account balance; set the account status to the "preservation"flag; the transaction processing subsystem further responds to the transaction request, if the transaction request is a query history transaction record, multiply all the amount information by the coefficient b (b) before displaying the record =la), and replace the transaction information of "withdrawal" and "transfer" with "consumption"; if it is for other transaction requests, use the updated account balance to respond to the transaction request in accordance with the normal procedure. 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. As shown in Figure 3, 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.

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.

It should be noted that 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.

It is apparent that other embodiments of the present invention can be devised without departing from the basic scope of the present invention (e.g., when the transaction subsystem queries for a security password, the total amount of the account can also be subtracted). Transfer a deposit after a predetermined amount, so as to avoid a large loss of accounts with large sums of money). It is to be understood that the drawings are merely illustrative of exemplary embodiments of the invention

Claims

Rights request

1. A security processing system for a bank, comprising:

Bank account and transaction database, including bank account basic information and transaction records, bank account basic information includes basic information of the account holder and relevant information of the bank account;

The bank account management subsystem, which is responsible for completing the management of the basic information of the account holder and the bank account related information;

a transaction processing subsystem that performs processing of transaction requests, recording of transaction details, and the like;

A security password, which is set in the bank account and transaction database and managed by the bank account management subsystem;

It is characterized in that the bank account basic information further includes a security ratio a, and the transaction processing subsystem further includes a procedure for identifying the security password and transferring the money to a specific account according to the security ratio a.

The security processing system for a bank according to claim 1, wherein said specific account is a public account that can be used in common for all accounts in which a security password is set.

The security processing system for a bank according to claim 1, wherein said specific account is a security account specially set for a normal account and uniquely corresponding to a normal account.

The security processing system for a bank according to claim 1, wherein said security ratio range is 0% a < 100%.

5. The security processing system for a bank according to any one of claims 1 to 4, wherein said transaction processing subsystem further comprises multiplying the account balance after the transfer to display all the amount of information before the record by the coefficient b ( b=la) The program to display the transaction history to avoid the withdrawal amount does not match the historical record.

6. The security processing system for a bank according to any one of claims 1 to 4, wherein said transaction processing subsystem further comprises a program for transferring funds to said transfer to restore a deposit of a normal account upon request. Amount.

7. The security processing system for a bank of claim 5 wherein said transaction processing subsystem further comprises a process for transferring funds to said transfer to restore the deposit amount of the original account upon request.

8. The security processing system for a bank according to any one of claims 1 to 4, wherein said The account status information originally stored in the basic information of the bank account also has a "preservation" flag to realize the conversion between the "normal" and "preservation" signs as needed.

9. A security processing system for a bank according to any of claims 1-4, further comprising an alarm subsystem.

10. The security processing system for a bank of claim 9, wherein said alarm subsystem is coupled to a transaction processing subsystem and automatically triggered by a transaction processing subsystem.

11. A method for security processing of a bank, comprising 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, verify whether it is consistent with the security password. If it is not consistent, return the password error message according to the normal processing procedure;

3) If the verification is a security password, execute a transfer instruction to transfer the amount in the account to the specific account according to the security ratio a, and update the original account balance;

4) If the transaction request is a query history transaction record, all the amount information is multiplied by the coefficient b (b=l -a) before the record is displayed _; if it is for other transaction requests, the updated account balance is used to respond according to the normal procedure. Request for transaction.

12. The security processing method for a bank according to claim 11, wherein said specific account is a public account that can be used in common for all accounts in which a security password is set. .

13. The security processing method for a bank according to claim 11, wherein said specific account is a security account specially set for a normal account and uniquely corresponding to a normal account.

14. The method for security processing of a bank according to claim 11, wherein said security ratio ranges from 0% a < 100%. ,

15. The banking security processing method according to claim 11, wherein in the step 4), if the transaction request is a query history transaction record, the transaction of "withdrawal" and "transfer" is also performed before the record is displayed. Information is replaced by "consumption" information.

16. A method for security processing for a bank according to any of claims 11 to 15, characterized in that it further comprises the step of transferring the transferred money for a transfer.

17. A method for security processing for a bank according to any of claims 11 to 15, characterized in that the alarm subsystem is triggered while the transfer instruction is being executed.