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Bank card (credit card and debit card) credit card fraud prevention method and system

A bank card and card swiping system technology, which is applied in the field of consumer payment, can solve the problems of single identity verification method and non-strict verification procedure, and achieve the effect of eliminating fraudulent swiping, protecting interests, protecting interests and property safety

Inactive Publication Date: 2016-11-23
SHENZHEN WEIZHIWANG TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At the same time, due to the single identity verification method of the bank card payment terminal, the verification procedure is not strict and provides conditions for criminals

Method used

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  • Bank card (credit card and debit card) credit card fraud prevention method and system
  • Bank card (credit card and debit card) credit card fraud prevention method and system

Examples

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Effect test

Embodiment Construction

[0018] The bank card anti-theft swiping method and system of the present invention will be clearly and completely described below in conjunction with the accompanying drawings.

[0019] Such as figure 2 As shown, the bank card anti-theft swiping system of the present invention mainly includes an anti-theft swiping bank card application service group, a bank card management system application service group, an SMS short message service group, a bank IVR voice call system service group, a POS system application service group and communication Carrier location service platform. The application service group of the bank card management system mainly includes a financial bank center system and a bank card system database. The SMS short message service group is the financial bank short message SNS system, and the bank IVR voice calling system service group is the financial bank voice IVR system. The POS system application service group is a POS card swiping system. When the user...

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Abstract

The present invention provides a bank card credit card fraud prevention method. The method comprises the following steps: when a bank card holder brushes a card, the bank card is located according to the position of a card pose, an area A is determined; corresponding bank card user's phone number is read in the bank card system database of the bank through a financial bank center; a location access of a communication service provider position service platform is called, the position of the phone number is located, an area B is determined; when the area A is the same as the area B, the card is brushed, when the area A and the area B are not located at the same area, the financial bank center is configured to call a financial bank voice IVR system or a manual calling user, or call a financial bank message SMS system to send message to a user's phone for notifying user that the bank card may be stolen; and if the credit card fraud is discovered by the user, it is determined whether the card brush is permitted or not through a button instruction or an assigned message is sent to the financial bank message SMS system to realize alarm or freezing the card in the guidance of the financial bank voice IVR system.

Description

technical field [0001] The invention relates to the technical field of consumer payment, in particular to a bank card anti-theft swiping method. Background technique [0002] With the increasing popularity of bank cards, bank card payment methods are also increasing. Using bank cards to pay is not only easy to operate, but also eliminates the trouble of making change. However, bank cards bring convenience to cardholders at the same time. , There will also be a lot of risks. In fact, with the increase in the popularity of bank cards, legal disputes about theft and copying of bank cards have continued unabated. [0003] At present, typical bank card fraud cases usually rely on copying bank card magnetic stripe information and stealing passwords to realize theft-copy-stealing and cashing out. The typical means of copying the magnetic stripe information include: the bank card is lost or stolen, and then the magnetic stripe information is copied by criminals, or a card stealer i...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40
CPCG06Q20/401G06Q20/409
Inventor 桂文强
Owner SHENZHEN WEIZHIWANG TECH CO LTD
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