Security guarding method for automatically calling to inform customer of transferring and paying of bank card account

A bank card and account technology, applied in the direction of a complete banking system, a complete banking system, coin-free or similar appliances, etc., can solve the problems of bank card account theft and heavy losses, and achieve the effect of avoiding losses.

Inactive Publication Date: 2010-09-01
黄金富
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

Because bank card customers generally do not know that their bank cards have been copied by thieves, they usually only...

Method used

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  • Security guarding method for automatically calling to inform customer of transferring and paying of bank card account
  • Security guarding method for automatically calling to inform customer of transferring and paying of bank card account
  • Security guarding method for automatically calling to inform customer of transferring and paying of bank card account

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Embodiment Construction

[0011] The method of the present invention will be described in further detail below in conjunction with the accompanying drawings.

[0012] refer to figure 1 , figure 1 It is a schematic explanatory diagram of the steps of the bank card account security method of the present invention, which includes a bank card center computer system (1), an interactive voice response device (2) connected to the telephone network (4), and a bank card customer's The mobile phone (3), the POS machine (5) connected to the bank card center computer system (1) through the payment network (6), wherein, the bank card center computer system (1) is provided with the bank card accounts of each customer And record the mobile phone (3) phone numbers of each customer, and set up a monitoring security program for monitoring the account activities of each bank card account. When the monitoring security program finds that the account activity of a bank card account is subject to monitoring, the monitoring ...

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PUM

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Abstract

The invention discloses a security guarding method for automatically calling to inform a customer of transferring and paying of a bank card account, which is used for ensuring the safety of bank card accounts such as a credit card, a debit card, a loan card, a withdrawing card, an automated teller machine card, and the like. The method comprises the following steps that: a bank card centre computer system (1) monitors the account activities of each bank card account; the a bank card centre computer system (1) calls a mobile phone (3) of a customer corresponding to the bank card account through an interactive voice answer device (2) so as to inform the customer, when the bank card centre computer system (1) finds that an account activity of one bank card account is monitored operation; and the customer judges whether the account activity is illegal operation or not and judges whether the account is embezzled or not. If the customer does not use the bank card but the mobile phone (3) of the customer receives the call from the bank card centre computer system (1), the bank card account of the customer may be embezzled and the customer can immediately inform the bank of the embezzled event so that the bank can freeze the stolen capital in time and the loss is avoided.

Description

【Technical field】 [0001] The invention relates to the technical field of financial security, in particular to a security method for automatically calling a customer's bank card account for transfer payment. 【Background technique】 [0002] With the popularity of bank cards such as credit cards and debit cards, more and more bank card customers use bank cards, and the security problems of bank card accounts are becoming more and more serious. It often happens that some criminals copy other people's bank cards, and then use the copied The money in the real bank card account is stolen by swiping the bank card for consumption and withdrawing money from the ATM machine. Because bank card customers generally do not know that their bank cards have been copied by thieves, they usually only find out that their bank card accounts have been stolen when they receive the monthly statement, resulting in heavy losses. How to notify the bank card customer in time when the bank card is stole...

Claims

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Application Information

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IPC IPC(8): G07F19/00H04M3/51
Inventor 黄金富
Owner 黄金富
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