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Bank card payment system having early warning function

An early warning system, bank card technology, applied in the direction of complete banking system, complete banking system, coinless or similar appliances, etc., can solve the problems of seldom used alarm passwords, false, difficult to input correctly, etc.

Inactive Publication Date: 2015-01-28
汪风珍
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] There is a saying on the Internet that the password is entered backwards to call the police. However, this statement is not true. If it is a password like 666666, it will call the police every time. Moreover, the alarm password is rarely used. A password like 596813 is entered backwards. In the case of an emergency, it is also difficult to input correctly, and some people propose to use a special alarm password, but the alarm password is rarely used, and the cardholder needs to memorize an alarm password that may not be used for a lifetime. This technique works in theory, but not in practice.

Method used

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Examples

Experimental program
Comparison scheme
Effect test

specific Embodiment approach

[0005] Specific implementation methods: Here are the following concepts:

[0006] 1: Pre-warning transaction mode, this transaction mode looks exactly the same as the normal transaction mode on the surface, but there are differences in its background, first of all, its transaction amount is set by the cardholder, but it is also best to set There are two decimals, that is, there are angles and cents in the amount. Generally, this number should not be set too small. For bank cards that allow overdraft, the set transaction amount can be freely set within the credit limit of the bank card, but overdraft is not allowed. For bank cards, when the tradable amount is greater than the actual deposit balance of the bank card, the actual deposit balance of the bank card is displayed. When the tradable amount is not set, the real deposit amount is displayed. Secondly, whether it is a normal transaction mode or an early warning transaction mode , the system is set to display the balance on...

Embodiment 1

[0010] Example 1: The program designs two identity verification schemes for cardholders to choose from, 1: telephone and password verification, 2: password verification, but the transaction pages of the two identity verifications are exactly the same, and cardholders choose identity verification schemes in general It is carried out at the bank counter, and the background program of the system processes the identity verification request of the transaction in the background. When verifying the phone number and password, in order to save space, the phone numbers referred to in this manual refer to the mobile phone number bound by the cardholder. For the waiting time of the teller machine, the program design calls for verification first:

[0011] 1: The default authentication scheme for phone and password authentication:

[0012] A: When the reservation phone number is the same as that set by the cardholder and the password is correct, it will enter the normal transaction mode;

...

Embodiment 2

[0028]Embodiment 2: Embodiment 2 is similar to Embodiment 1. The difference is that there are some differences between the temporary identity verification scheme of phone and password verification and the default verification scheme of password verification. The program designs two identity verification schemes for the cardholder to choose. 1 : phone and password verification, 2: password verification, however, the transaction pages of the two authentications are exactly the same, the cardholder usually chooses the authentication scheme at the bank counter, and the background program of the system performs background processing on the authentication request of the transaction , in order to save the waiting time of the teller machine, the program design phone verification first, but you can also choose phone verification later:

[0029] 1: The default authentication scheme for phone and password authentication:

[0030] A: When the reservation phone number is the same as that s...

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PUM

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Abstract

A bank card payment system having an early warning function utilizes two authentication measures to obtain at least three verification results, the three verification results correspond to three transaction modes including a normal transaction mode, an early warning transaction mode and a transaction rejection mode, and a program is designed to be that a card holder knows the operation performed in the normal transaction mode or in the early warning transaction mode, but persons next to the card holder cannot perform judgment through a transaction page, so that alarming can be completed under the situation that the persons know nothing about.

Description

technical field [0001] The invention belongs to the bank card network technology. Background technique [0002] There is a saying on the Internet that the password is entered backwards to call the police. However, this statement is not true. If it is a password like 666666, it will call the police every time. Moreover, the alarm password is rarely used. A password like 596813 is entered backwards. In the case of an emergency, it is also difficult to input correctly, and some people propose to use a special alarm password, but the alarm password is rarely used, and the cardholder needs to memorize an alarm password that may not be used for a lifetime. Such a technique works in theory, but not in practice. Contents of the invention [0003] The origin of the technical problem is that there is a need to call the police in the process of bank card payment, that is, criminals or even criminals commit crimes. Criminals coerce cardholders to withdraw money or coerce cardholders...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G07F19/00
Inventor 汪风珍
Owner 汪风珍
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