Safe system and method for bank transaction system

Abstract

The invention discloses a safe system and a method for a bank transaction system. The safe system comprises a position identification module which responses a bank service request and launches a position inquiring request to a position server of a mobile communication operator so as to determine whether a position of a mobile phone card bound with a bank account and a position sending the service request are identical; if the two positions are identical, the service is authorized to be executed; and if the two positions are not identical, the service is rejected. The transaction system adopting the technical scheme has high security, strong real-time performance and favorable applicability and can control all bank users and service counters in real time, thereby further improving the security of a bank payment system, reducing the operation risk of the bank users and being beneficial to the healthy development of commercial bank systems.

Description

technical field [0001] The invention relates to a security system and method for a bank transaction system, in particular to a security system and method for a bank transaction system based on mobile communication technology. Background technique [0002] With the wide application of information technology in the banking industry, the services provided by banks are becoming more and more convenient and fast, and the traditional cash payment consumption method is being replaced by various card consumption. more and more. On the other hand, a large number of bank users will inevitably have situations such as loss, theft, and deception of bank cards. ), cash withdrawal (such as UnionPay ATM teller machine), or the security issues of consumption and transactions through online banking have become increasingly prominent. [0003] In order to improve the financial security of bank users, the more common method adopted by commercial banks is to set personal passwords and send SMS...

AI Technical Summary

Problems solved by technology

Since the current solution is to notify the bank user in the form of a text message after the bank user consumes or withdraws cash, and at this time the loss of the bank user has already caused

[0005] (2) The timeliness of evidence collection is poor

When bank users discover that their bank account funds have been stolen and then report the case to the public security agency, the criminal may have already left the scene, and it is difficult to obtain evidence when he spends in places other than the bank counter

[0006] (3) Poor customer identification ability

Once the bank user account and password are stolen, it will not be possible to control the funds in the account in time to avoid loss

[0007] (4) Poor account management

Once a bank user finds that his account and password have been stolen, he can only report the loss with his ID card; and even if a credit card user reports the loss, he can still swipe his card for consumption within a week, which cannot minimize the loss of customers

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