A bank card transaction system and method based on short message platform instant interaction

A short message platform and transaction system technology, applied in the field of bank cards, can solve problems that affect the convenience of using interactive bank cards, cannot be widely recognized and promoted, occupy channels and user time, etc., to achieve instant response and convenient solution Sex and security, the effect of overcoming SMS delay

Active Publication Date: 2016-06-15
金元数金融信息系统(深圳)有限公司
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

[0004] However, in practical applications, due to the poor real-time nature of SMS interaction, there is a time delay, and the voice interaction needs to occupy channels and user time, which has caused a certain degree of inconvenience to this interaction, thus directly affecting the interactive bank card described in the prior art. The ease of use prevents this model from being widely recognized and promoted

Method used

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  • A bank card transaction system and method based on short message platform instant interaction
  • A bank card transaction system and method based on short message platform instant interaction
  • A bank card transaction system and method based on short message platform instant interaction

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specific Embodiment approach

[0062] Such as figure 1 It shows the composition and working diagram of the system of the present invention, the system includes: mobile communication terminal 1, main card 2, secondary card 3, transaction terminal 4, bank account management center front-end processor 5, short message service center front-end Machine 6, bank account management center 7, short message service center 8, base station 9 and connect the data line 10 between two front-end machines 5,6.

[0063] The mobile communication terminal 1 includes mobile communication tools such as a mobile phone and a PDA. For convenience, the mobile communication terminal 1 is referred to as a mobile phone in the following embodiments.

[0064] The main card 2 is the chip smart card built in the mobile communication terminal.

[0065] The auxiliary card 3 is various traditional bank cards that store bank account information with the magnetic stripe as the information carrier.

[0066] Transaction terminal 4 includes POS ...

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Abstract

The invention discloses a bank card transaction system and method based on a short message platform for instant interaction. The system includes a mobile communication terminal, a transaction terminal, a short message service center, and a bank account management center. The front-end machine of the management center, the front-end machine of the short message service center and the associated information database. The method is through account classification and differentiated processing of various transaction terminals such as POS machines, ATM machines, bank counter machines, and online PCs, so that when trading under the first-level account, only need to swipe the card; when trading under the second-level account , you need to enter the account password while swiping the card; when trading under the third-level account, you need a SMS authentication process while swiping the card and entering the account password. Thus, the great convenience of daily small-amount payment by bank card and the reliable security of large-amount and online transactions are realized.

Description

technical field [0001] The invention relates to the field of bank cards, in particular to a bank card system and an implementation method for preventing bank card accounts from being stolen based on mobile phone short message platform services. technical background [0002] With the increasing severity of bank card crimes, the safety of bank card use has attracted more and more attention. Especially in mainland China, since bank cards with magnetic stripes as information carriers are widely used at present, their anti-counterfeiting performance is relatively poor, resulting in counterfeit card theft becoming the primary threat to bank card security. And this is the main reason why European and American countries have carried out EMV migration on a large scale, that is, upgrading from magnetic stripe cards to chip smart cards. But as far as the anti-counterfeiting of the card body is concerned, the chip smart card cannot fundamentally eliminate the possibility of bank cards ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G07F19/00H04W4/14
Inventor 张应刚
Owner 金元数金融信息系统(深圳)有限公司
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