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Bank payment confirmation system and confirmation method thereof

A bank and bank card technology, which is applied in the field of bank withdrawal operating systems, can solve problems such as the inability to effectively prevent bank cards from being stolen, and achieve the effects of preventing criminals from deciphering passwords, improving efficiency, and ensuring fund security

Inactive Publication Date: 2010-03-10
SICHUAN JUNTONG NETWORK TECH SERVICE
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, this method cannot effectively prevent bank cards (especially credit cards) from being stolen. Therefore, losses due to bank cards or credit cards being stolen are inevitable.

Method used

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  • Bank payment confirmation system and confirmation method thereof
  • Bank payment confirmation system and confirmation method thereof

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0023] The basic process of the present invention will be described by taking the customer newly opened a bank card and withdrawing money on the ATM as an example.

[0024] Firstly, the customer applies for a new bank card at the bank counter, and handles the binding business between the bank card and the mobile phone number, and at the same time sets the bank card password and SMS confirmation password, as well as the reply time and reply times of the SMS confirmation password, and saves them in the bank SMS Confirm the system.

[0025] When a customer uses a bank card to withdraw money from an ATM, he enters the SMS confirmation stage after entering the bank card password and withdrawal amount according to the prompts. At this time, the bank SMS confirmation system sends a SMS confirmation password reply request to the mobile phone number bound to the bank card. After receiving the reply request sent by the bank SMS confirmation system, the customer's mobile phone sends a SM...

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PUM

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Abstract

The invention discloses a bank payment confirmation system, comprising a client cellphone, a short message communication system, a bank information transmitting system, a bank business system, a bankbusiness processing terminal and a bank short message confirmation system. Information interaction of short message password confirmation is performed between the client cellphone and the bank short message confirmation system by the short message communication system and the bank information transmitting system; the bank business system controls the bank business processing terminal to perform corresponding operation according to the information interaction result of the client cellphone and the bank short message confirmation system. According to the above system, the invention also discloses a confirmation method for the bank payment confirmation system, which realizes multiple safe control on the bank payment by a secondary password and a short message reply to confirm the password, thus greatly improving safe performance of the bank payment system and avoiding possible economic losses caused by losing of bank cards or credit cards.

Description

technical field [0001] The invention relates to a bank withdrawal operating system, in particular to a bank payment confirmation system requiring mobile phone confirmation. Background technique [0002] At present, China's banking system is a relatively closed system. It has an independent business operation mode, security system, and various supporting facilities of its own. After decades of national regulation and self-development, it has a complete and relatively safe mode of operation. Now, due to the emergence of various new businesses such as online electronic banking, credit card payment, third-party payment, and online payment, bank customers can handle, pay, transfer, consumer settlement, and payment services anywhere without going to a bank branch. The purchase and sale of foreign exchange and other traditional businesses that must be handled at bank counters pose severe challenges to the traditional security model of the banking system. [0003] How to provide b...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00G07F19/00
Inventor 丁勇和杜成家蹇小波周敏
Owner SICHUAN JUNTONG NETWORK TECH SERVICE
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