System, device and method for monitoring risks in bank login process

Abstract

The invention discloses a system, a device and a method for monitoring risks in a bank login process, which realize real-time risk monitoring of the bank login process of a client by applying wireless communication technology to the conventional bank login process. Based on a medium or password identification mode adopted by the conventional bank system login process, the wireless communication technology is adopted to notify the client of being in a bank login process state; meanwhile, the client can feed back instructions by the system, device and method of the invention to control the current bank login state, so that the security of the bank login process is improved and risks of stealing the medium or password and making illegal transactions by other people are avoided.

Description

technical field [0001] The invention relates to the technical field of financial security, in particular to a system, device and method for risk monitoring of a bank check-in process. Background technique [0002] At present, the verification of customer identity in the banking system is mostly concentrated on media and passwords, which has great limitations in identifying whether the customer who logs into the banking system is the customer himself. Once the media is lost and / or the password is leaked, the bank cannot accurately judge. The real identity of the customer in this transaction has a huge security risk. [0003] Taking online banking as an example, the main problem at present is that the security is too dependent on the customer's own network knowledge. For customers with poor security concepts, their passwords are easy to be stolen. However, due to the working mode of online banking, it is currently impossible to provide security for the bank. In this environme...

AI Technical Summary

Problems solved by technology

[0002] At present, the verification of customer identity in the banking system is mostly concentrated on media and passwords, which has great limitations in identifying whether the customer who logs into the banking system is the customer himself. Once the media is lost and / or the password is leaked, the bank cannot accurately judge. The real identity of the customer in this transaction has a huge security risk

[0003] Taking online banking as an example, the main problem at present is that the security is too dependent on the customer's own network knowledge. For customers with poor security concepts, their passwords are easy to be stolen. However, due to the working mode of online banking, it is currently impossible to provide security for the bank. In this environment, relying solely on the online banking login password to verify the customer's identity has certain security risks. Hackers may obtain the customer's online banking password through illegal means.

Once the customer's password is leaked, not only the capital and property will be threatened, but more importantly, a large amount of sensitive information such as private information, account balance information, historical transaction records, investment and financial management data will be leaked, bringing irreparable losses to customers.

[0004] In addition, the customer's bank card is copied and the ATM is illegally withdrawn, and the credit card is used by others after the credit card is lost. These all show some shortcomings in the medium or password verification mechanism.

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