Transaction protection method, transaction accepting device and transaction submitting device

Abstract

Provided are a transaction protection method, a transaction accepting device and a transaction submitting device, which relate to the technical fields of finance, electronics, communications, software and information security. A transaction mechanism, especially a piece of bank transaction terminal equipment (such as an ATM and a POS) is equipped with a supporting wireless transaction accepting device, a customer mobile phone inputs transaction information (a password and / or the amount of cash), and a secure channel is established in a short-range wireless communication mode (such as Bluetooth) to send and submit the transaction information. The accepting device is configured to automatically identify a keyboard interface, convert the transaction information to generate a keyboard scanning code sequence and simulate a keyboard key to transfer the keyboard scanning code sequence to a transaction host, which is equivalent to input from a code keyboard. The position (GPS) distance between the accepting device and the submitting device is monitored and calculated at any time and external sound is monitored and sensed, and when the distance exceeds a limit, voice alarm is carried out and a channel is interrupted, a cancel command is sent to transaction terminal equipment, which is equivalent to cancel of the current transaction by pressing a cancel key on the code keyboard. The password and account are protected, and troubles caused by negligence, oblivion and forcible robbery are avoided; and both the equipment system and the business process do not need to be changed.

Description

technical field [0001] The invention relates to the technical fields of finance, electronics, communication, software and information security. Background technique [0002] Electronic financial services, bank ATM (automatic teller machine), POS machine and other transaction terminal equipment can be seen everywhere, people hold bank cards (credit cards, debit cards), they can withdraw cash from their bank accounts at any time, transfer payment. However, such a convenient financial service has potential safety hazards. Incidents of criminals stealing bank cards occur from time to time, seriously infringing on financial order and customers' money. Card theft methods include picking up, stealing, and cloning bank cards, and the key link is stealing customer passwords. Lawbreakers even use high-tech means to cover and arrange fake keylogging keys, secretly install miniature cameras to spy on input, and steal customer passwords. In order to solve the bank card password securit...

AI Technical Summary

Problems solved by technology

In fact, in addition to the above-mentioned security issues of stealing passwords, there are two security issues to face: one is negligence and forgetting, the cardholder inserts the card for transactions (withdrawal, transfer, etc.), forgets to withdraw the card, and others follow up after leaving. The second is violent snatching, where gangsters wait for the cardholder to enter the password, and take the opportunity to violently crowd out and force withdrawals and transfers, while the victim is weak and unable to resist, watching the money being robbed

There are real cases in these two situations. Although the bank has video surveillance, it can only be investigated afterwards, and it cannot be effectively prevented. At present, there are no other practical and applicable technical solutions.

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