Account safety payment method and system based on user control

An account and user technology, applied in the payment system structure, complete banking system, complete banking system, etc., can solve problems such as treating the symptoms but not the root cause, and failing to block security loopholes from the source, so as to ensure payment security and expand services. variety, and the effect of improving customer loyalty

Inactive Publication Date: 2007-09-12
祁勇
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, these solutions often treat the symptoms but not the root cause, and do not plug the security loopholes from the source, and when a new anti-theft technology is invented, there is a risk of being broken again

Method used

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  • Account safety payment method and system based on user control
  • Account safety payment method and system based on user control
  • Account safety payment method and system based on user control

Examples

Experimental program
Comparison scheme
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Embodiment Construction

[0083] In conjunction with the accompanying drawings, the method and system of the present invention are described in further detail as follows:

[0084] As shown in Figure 1, it is a flow chart of an account security payment method based on user control, including the following steps:

[0085] Step S1: In the transaction server, establish an association between the special account and at least one first-type special memory and at least one second-type special memory; the funds stored in the first-type special memory cannot be used for payment purposes , the funds stored in the second type of special memory can be used for payment purposes;

[0086] Step S2: If the transaction server receives a signal to deposit funds into the account, add an amount equal to the deposited funds in the first type of special memory of the account;

[0087] Step S3: According to the transfer request signal sent by the account holder, the transaction server transfers the transfer amount required ...

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PUM

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Abstract

The invention provided an account safe payment method based on the user control, includes the following steps: In the transaction server, divides the special account possessor's account fund at least into two parts, separately saves on two kind of physical medium memory, saves the account fund on the first kind of memory not directly take the payment use, the account fund which saves on the second kind of memory may directly take the payment use; Once the fund has store in this account, will store the fund recording in this account first kind of memory; The special account possessor transmits the request signal to the transaction server, will assign quantity the fund to the second kind of memory from the first kind of memory; Once disburse fund, then pays in the above second kind account of memory. According to above methods design one kind account safe payment system based on user control. This method and system may widely apply to in the financial organ safe payment service.

Description

technical field [0001] The present invention relates to the field of secure payment, in particular to a method and system for account secure payment based on user control. Background technique [0002] Payment security is a big problem that has plagued banks and their customers for a long time. There are countless cases in this regard. With the rapid development of communication technology, especially the development of online shopping, online banking and other services, payment security issues have become more prominent. The following are a few typical cases. [0003] For example, in a high-IQ criminal activity involving deciphering bank passwords and stealing depositors’ deposits, a thief opened multiple bank accounts with a fake ID card, repeatedly studied the rules of generating codes for bank account numbers, and actually broke through the depositors of a certain bank. Account system, and a large number of depositors' deposits were stolen. [0004] For example, thie...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00G06Q20/00G06Q20/42
Inventor 祁勇
Owner 祁勇
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