Financial business transaction system and method

A technology of transaction system and transaction method, which is applied in financial business transaction system and transaction field, can solve problems such as inability to identify hijacking events, and achieve the effect of improving bank credit and reducing property losses

Inactive Publication Date: 2015-06-03
HITACHI LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In this case, the identity verification methods provided by bank counters and ATM machines cannot identify the hijacking event, and will only be processed as a normal transaction

Method used

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  • Financial business transaction system and method
  • Financial business transaction system and method
  • Financial business transaction system and method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0061] Next, combine Figure 4 The flow of the application process of the present invention is described by taking the scene where the use of the backup password occurs in an ATM machine as an example. At this time, the user reception terminal 102 corresponds to the ATM machine and is installed in the ATM machine room, and the input buttons on the ATM machine correspond to the input unit 110 of the above-mentioned embodiment.

[0062] In such a scenario, the user first reads the user identification by inserting, for example, a bank card into the ATM ( S401 ).

[0063] Then, the ATM reads the user's bank card and prompts the user to input the password. After the user enters the password, check whether the password entered by the user is an account password or a backup password. At this time, it is assumed that the user has input the password that has been set as the backup password (S402). In this case, the user is allowed to log in to the banking system.

[0064] Then, in s...

Embodiment 2

[0076] The embodiment of the present invention applied to the bank ATM machine has been described above. Combine below Figure 5 The flow of the application process of the present invention is described by taking the scene where the backup password is used at the bank counter as an example. At this time, the user reception terminal 102 corresponds to a bank counter. The bank counter usually provides multi-window and multi-service services, and the business processing is completed by the bank personnel operating the user reception terminal 102 according to the user's instructions. Therefore, in such a scenario, the input device and the staff of the bank counter jointly perform the above-mentioned implementation. The role of the input section of the method. Moreover, the function of the display unit described in the above embodiments can also be realized jointly by the staff and the operation prompting device at the bank counter.

[0077] In this case, first, the user reads t...

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PUM

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Abstract

The invention provides a financial business transaction system. The financial business transaction system receives user identification and password input so as to verify a user, and provides financial business to the user. The financial business transaction system comprises a user identification reading portion, an input portion, a storage portion which stores an account password, balance information, a preset backup password and backup balance information corresponding to the preset backup password for the user, a display portion and a control portion, wherein the controller compares a password input by the user with the account password and the backup password after the user inputs the password, and allows the user to log in the financial business transaction system under the circumstance that the input password is consistent with the account password or the backup password, and when the user performs operation through the input potion and processing of the operation needs to use a balance of a user account under the circumstance that the input password is judged to be the account password, the balance information is used as the balance of the user account for the processing of the operation, and under the circumstance that the input password is judged to be the backup password, the backup balance information is used as the balance of the user account for the processing of the operation.

Description

technical field [0001] The present invention relates to a financial business transaction system and transaction method, and more particularly to a transaction system and method capable of reducing losses caused by users being hijacked for withdrawal or transfer transactions. Background technique [0002] At present, banks, other financial institutions, and social organizations generally provide users with financial business transaction services such as cash deposit and withdrawal, transfer, inquiry, and payment through counters or ATM automatic teller machines. ATM machines are popular among users for their speed and convenience because they only need to carry a bank card and enter the correct password to conduct financial transactions anytime and anywhere. Moreover, with the continuous improvement of functions and network mechanisms, ATM machines have gradually become an important terminal for banks to provide personal financial services. [0003] In daily life, bank cards...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00G07C9/00
Inventor 单纯陈永军
Owner HITACHI LTD
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