Financial secure transaction method

A technology for financial transactions and secure transactions, applied in finance, instruments, handling coins or valuable banknotes, etc., can solve problems such as inability to identify system operators, inability to automatically alarm account funds, and inability to control customer account fund losses, etc., to achieve The effect of facilitating evidence collection and detection

Inactive Publication Date: 2011-02-09
SHENZHEN BRANCH OF AGRI BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0008] The technical problem to be solved by the present invention is to provide a financial security transaction method, which overcomes the inability to control the loss of funds in the customer account after the customer's identity authentication passw

Method used

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  • Financial secure transaction method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0050] Such as figure 1 As shown, the financial security transaction method of the present invention includes the following steps:

[0051] The first step is to generate the multi-level password of the target account and the security protection parameters corresponding to each level of password in the financial transaction system. The multi-level passwords are different from each other, including common-level passwords, restricted-level passwords and alarm-level passwords. The security protection parameter corresponding to the ordinary level password is empty; the security protection parameter corresponding to the restricted level password limits the display balance of the target account, and the terminal operator can conduct transactions within the limited display balance; the security protection parameter corresponding to the alarm level password limits the target account The displayed balance, the terminal operator can conduct transactions within the limited displayed balan...

Embodiment 2

[0111] Such as Figure 7 As shown, the financial security transaction method of the present invention includes the following steps:

[0112] The first step is to generate the multi-level password of the target account and the security protection parameters corresponding to the passwords of each level in the financial transaction system. The multi-level passwords are different from each other, including common level passwords and restricted level passwords. The security protection parameter corresponding to the ordinary level password is empty; the security protection parameter corresponding to the restricted level password limits the displayed balance of the target account, and the terminal operator can conduct transactions within the limited displayed balance.

[0113] In the second step, the financial transaction system verifies the multi-level password, stores the security protection parameters and the password conforming to the password rules, and returns to step 1 when th...

Embodiment 3

[0117] Such as Figure 8 As shown, the financial security transaction method of the present invention includes the following steps:

[0118] The first step is to generate the multi-level password of the target account and the security protection parameters corresponding to each level of password in the financial transaction system. The multi-level passwords are different from each other, including common-level passwords and alarm-level passwords. The security protection parameter corresponding to the ordinary level password is empty; the security protection parameter corresponding to the alarm level password limits the display balance of the target account, and the terminal operator can conduct transactions within the limited display balance.

[0119] In the second step, the financial transaction system verifies the multi-level password, stores the security protection parameters and the password conforming to the password rules, and returns to step 1 when the password does not...

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Abstract

The invention relates to a financial secure transaction method, which comprises the following steps that: a multilevel password of an account and corresponding security protection parameters are generated in a financial transaction system; a system verifies the multilevel password and stores the security protection parameters and passwords meeting the rule; and the system allows performing password corresponding related transactions when receiving correct account information and correct password, wherein the multilevel password comprises a common password A, a limit password B and/or an alarm password C which are different from one another; the security protection parameter corresponding to the common password A is empty and the system displays the real balance of the account and allows the transaction within the balance; the security protection parameters corresponding to the limit password B and the alarm password C respectively limit the displayed balance of the account and the transaction is allowable within the balance; and when the alarm password C is used for transaction, the system collects an alarm signal for alarming. By the method, the multilevel password and the security protection parameters are set, so when the account and the password are illegally acquired, the capital loss of the account is limited within a preset range, the capital loss is controlled, and confidentiality is high; and when the capital of the account is illegally drawn, the system automatically collects infringement evidences to alarm, so that illegal behaviors are detected.

Description

technical field [0001] The invention relates to a financial processing method, in particular to a financial security transaction method. Background technique [0002] When the existing financial transaction method uses passwords for identity authentication, for the same transaction channel and the same transaction type, the same password is generally used for identity authentication. [0003] The identity authentication method of the existing financial transaction method has the following defects: [0004] 1. When customers conduct business through channels other than bank counters, due to the need to enter the same password multiple times, the possibility of leakage of relevant transaction authentication information such as card account numbers, passwords, and magnetic stripe information is greatly increased. Due to the continuous use of various financial crime methods The threat to the security of customers' funds is also increasing; for example, when bank cards are used ...

Claims

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Application Information

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IPC IPC(8): G06Q40/00G07F19/00G06Q40/04
Inventor 王坚
Owner SHENZHEN BRANCH OF AGRI BANK OF CHINA
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