WO2020125461A1

WO2020125461A1 - Method enabling securer transfer of fund for payment

Info

Publication number: WO2020125461A1
Application number: PCT/CN2019/123856
Authority: WO
Inventors: 郭长来
Original assignee: 郭长来
Priority date: 2018-12-18
Filing date: 2019-12-08
Publication date: 2020-06-25
Also published as: CN109636403A; CN113168636A

Abstract

A method enabling securer transfer of a fund for payment comprises: setting an authentication password for money to be transferred for payment, wherein the password can be set by a party transferring the money, or can be automatically generated by a computer network system for money transfer; sending the password to a mobile phone or an email box of a pre-defined payee, wherein the transferred money received by the payee is locked or frozen by the password, and the payee can only receive the transferred money after inputting the accurate password. In the method, a password is set to increase security of transferring money for payment or remittance, thereby enhancing flexibility, and reducing risks.

Description

A method to make fund transfer payment safer

Technical field

The invention relates to a method for improving the security of fund transfer or transfer payment, which belongs to the field of financial security.

Background technique

At present, in fund transfer (including cash transfer, transfer remittance, Alipay transfer or payment, WeChat transfer or payment, various mobile payments and transfers, etc.), after entering the payment password (password) of the account, the payment It is directly transferred to the payee. Once the transfer is completed, the money will be owned by the payee. This operation is not a problem when the amount of money is not large, but if the amount of money transferred is large, it is somewhat insecure. In addition, some big bosses generally let their employees perform transfers on their behalf. Once employees accidentally or maliciously transfer the wrong account, it will also bring great risks, so the current transfer method is not very safe.

technical problem

The current transfer payment is not controlled after the transfer, and it is difficult for the transfer party to control the money after the transfer. The risk is very high and unsafe.

Technical solution

The technical scheme adopted by the present invention is: In addition to the payment password (password) of the account, a verification password (password) is set for the money transferred (including various cases where the money is transferred to the payee account), the password It is usually set for the beneficiary account. Only when the correct verification password is entered, can the beneficiary account actually get the money transferred (referring to the same as your own money). The password (password) is set for the beneficiary account, meaning that the correct password is required to enter the beneficiary account, or the password is locked or frozen to enter the beneficiary account, and the correct password is entered Only after the payee's account can you really get the money transferred (referring to the same as your own money) can be used to transfer the money. The invention is equivalent to a "freeze transfer" or "freeze payment". The password (password) of the present invention does not encrypt currency, but encrypts the transfer (password), which is different from the encryption of some digital currencies.

Further, a verification password (password) is set for the money paid for the transfer. The password can be set by the party that transferred the money, or it can be the computer or network system or electronic cipher (the kind used by the bank's online banking) ) Automatically generate and send the password to the pre-appointed person's mobile phone or e-mail address, the transfer money received by the payee is "locked" or frozen by the password (password), enter the correct verification password ( Password), the recipient can actually get the money transferred, which greatly improves the security of the money transferred. Unlike the payment password (password) of the account that people use when withdrawing money from the bank, the verification password (password) set by the present invention is set for the transferred money. This kind of transfer payment can be divided into two situations. One is that the money is transferred to the recipient's account first (then enter the password or password), but this money is frozen by the password, you need to enter the correct password to unlock and Let the payee really get the money transferred; the other is that the transferred money will not be transferred to the payee's account (you need to enter the password or password first), just to give the payee a money to be transferred Prompt, you need to enter the correct password, the recipient's account can really get the money transferred. The present invention adds more weights and options to the user who transfers money (transferr), can more flexibly grasp the rhythm of the transfer, and can also prevent the agent or broker or the insider of the bank from maliciously transferring the wrong account to cause losses and prevent risks.

Further, if the correct password cannot be entered for more than a certain number of times or time (for example, 10 days), the money transferred will be processed according to certain rules (pre-agreed or third-party arbitration or court judgment), generally automatically returned In the account that paid the money.

Further, the transfer mentioned in the present invention also includes the mutual transfer of money between the bank card in its own name and Alipay or WeChat payment, also called transfer-in or transfer-out, recharge or cash withdrawal. For example, if the money in Alipay or Yulebao is set to automatically set a password for the money transferred, if someone wants to steal cash by transferring money from Yulebao to the bank card, they will encounter the password level. This makes it difficult to complete the theft of money.

Further, the present invention can be used to replace or replace Alipay's third-party regulatory payment, avoiding the use of reserve funds. The method is: the buyer pays for the goods on Taobao, and uses "secret payment" when paying, which is to set a password for the money paid, which can be set by the buyer or by the Taobao trading platform. The money is sent to the seller's account (but frozen by the password), the seller delivers the goods, the buyer receives the goods and agrees to give the money, click "confirm", then the buyer or trading platform tells or sends the password to the seller, or It is the trading platform that directly replaces the seller and enters the correct password to help the seller get the money. In online shopping, the trading platform (such as Taobao) can control and use the password of "secret payment", and can actively use or not use it when judging that the buyer or seller is in violation of the rules to protect the fairness of the transaction.

Further, in addition, if you really find the wrong account transfer situation and are afraid of the other party cracking the password, you can set up the password to make the password into two or more multiple passwords. You can also request the transfer platform (such as a bank or Online trading platform) Directly freeze the money transferred.

Beneficial effect

The beneficial effect of the present invention is that the method of setting a password can be used to improve the security of the money in the account and the transfer payment, it is not easy to let the criminals or network hackers transfer the money away, and at the same time increase the flexibility, and The cost is very low.

BRIEF DESCRIPTION

No picture.

Best Mode of the Invention

For example, Party A pays a payment to Party B by mobile payment. For the safety of the payment and to make Party B believe that Party A has paid such a payment, a transfer payment method (settable with a password) (which can be called " "Secret lock transfer") Transfer enough payment to Party B. Party B sees that enough payment has been received (still locked or frozen by the password), and then sends it to Party A. After Party A receives the goods and is satisfied with the inspection, Tell Party B the password by phone or text message or other means. After entering the correct verification password, Party B "unlocks" or unfreezes the payment and obtains it (meaning that it can be used in the same way as his own payment). , Which greatly improves the payment and the safety of the goods.

Embodiments of the invention

It can also be done this way, the user can set up or let the bank staff set up the automatic lock transfer, for example, once a single transfer exceeds 1,000 yuan, it will be automatically converted to "lock transfer" and the computer system automatically sets the password Or, a cumulative transfer of more than 3,000 yuan in a day will automatically be converted into a "secret transfer", so that someone steals money by transferring money to other people's accounts, and it is difficult to get a large amount of money.

For another example, the state subsidizes farmers to grow grain. With this “secret transfer” method, a computer network is used to automatically generate a password when transferring money and send it to the farmer’s mobile phone. Only knowing the password can get the subsidy money. This improves security, even if the bankbook of the peasant is in the hands of some criminals, because it is not easy to let the criminals intercept or transfer away without knowing the password.

Users can also set their own accounts or ask the bank to set them. All the money transferred out of the account is set to automatic "secret transfer", and the password is also automatically set by the bank computer system, so that their own accounts The funds are very safe, because even if a network hacker controls his own fund account and fund transfer function, because the transferred money is automatically set a password, it is difficult for hackers to successfully steal the money.

Industrial applicability

Practicability is very strong, as long as the computer programmers compile the corresponding program, it is enough.

Claims

A method for making fund transfer payment more secure, which is characterized by: in addition to the payment password (password) of the account, set a verification password (password) for the money paid for the transfer, and enter the correct verification password (password) , The recipient's account can really get the money transferred (referring to the same use as his own money).
A method for making fund transfer payment safer according to claim 1, characterized in that the money transferred by transfer is first transferred to the account of the beneficiary or seller (then enter the password or password), but the money Is locked or frozen by a password.
The method for making fund transfer payment safer according to claim 1, characterized in that the transfer payment is performed through an online transaction platform, and the online transaction platform can control and use the verification password set for the transfer payment.
A method for making fund transfer payment safer according to claim 1, characterized in that the transferred money is not transferred to the recipient's account first (need to enter the password or password first), but it will receive The payment side needs to be reminded of the money transferred.
A method for making fund transfer payment safer according to claim 4, characterized in that: before the transfer is successful (enter the correct password) or the transfer is canceled, the transfer payment will be frozen by the password and cannot be used for other Transfer payment.
A method for making fund transfer payment safer according to claim 1, characterized in that the set password is automatically generated by a computer system or a network system or an electronic cipher.
A method for making fund transfer payment safer according to claim 1, characterized in that if the correct verification password cannot be entered for more than a certain number of times or time, the transferred money will be automatically returned to the account where the money was returned.
A method for making fund transfer payment safer according to claim 1, characterized in that if the correct verification password cannot be entered for more than a certain number of times or time, the transferred money will be in accordance with prior agreement or a third-party arbitration or court decision To deal with.
The method for making fund transfer payment safer according to claim 1, characterized in that the verification password set can be additionally set so that the password becomes two or more multiple passwords.

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