Financial secure transaction method

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 ...

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 password is stolen or hijacked, and the inability to monitor the identity of the system operator in the existing financial transaction method. Defects such as identification and inability to automatically call the police when account funds are illegally stolen

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