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Bankcard identity authentication method, system and cloud server

A bank server and identity authentication technology, which is applied in the field of bank card identity authentication methods, systems and cloud servers, can solve the problem that it is difficult to prevent criminals from stealing money

Inactive Publication Date: 2017-10-20
广州顶新时代电子系统科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, when the bank card or the magnetic track information in the card or even the chip information and password are stolen, it is difficult to prevent criminals from stealing or using illegal means to make duplicate cards to commit crimes.

Method used

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  • Bankcard identity authentication method, system and cloud server
  • Bankcard identity authentication method, system and cloud server
  • Bankcard identity authentication method, system and cloud server

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Embodiment Construction

[0042] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0043] see figure 1 , is a schematic flowchart of an embodiment of the bank card identity authentication method provided by the present invention.

[0044] An embodiment of the present invention provides a bank card identity authentication method, which can be executed by a cloud server, or by a device configured on the cloud server side, including steps S1 to S5, specifically as follows:

[0045] S1. Acquire first input information sent by the mobile termina...

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Abstract

The invention discloses a bankcard identity authentication method, which comprises steps: the acquired autonomous operation on a bankcard transaction function state by a bankcard holder is sent to a corresponding bank server through a mobile terminal, change of the bankcard transaction function state is realized, and a first line of defense is set for the safety of the bankcard; and in the case of bankcard transaction, the address information of a transaction terminal acquired by the bank server and the real-time position information of the mobile terminal are compared to judge whether unauthorized use happens to the bankcard, and a second line of defense is set for the safety of the bankcard. The embodiment of the invention also provides a cloud server and a bankcard identity authentication method. By adopting the embodiment of the invention, unauthorized use of the bankcard can be effectively prevented.

Description

technical field [0001] The invention relates to the technical field of financial transaction security, in particular to a bank card identity authentication method, system and cloud server. Background technique [0002] With the development of computer technology and electronic banking business, bank cards have become an indispensable credit payment tool in people's lives. It undertakes our daily consumer credit, transfer settlement, deposit and withdrawal of cash and other needs, and is easy to carry. However, precisely because bank cards are more and more widely used, there are more and more problems caused by them, such as information leakage and fraudulent use. In fact, small bank cards have become "dangerous". How to better realize Guaranteeing the use of bank cards and timely preventing and preventing bank card fraud have become social problems that need to be solved urgently. [0003] Existing schemes to prevent bank cards from becoming criminal tools all have the pro...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/34G06Q20/40
CPCG06Q20/3415G06Q20/4014G06Q20/40975
Inventor 李小兵
Owner 广州顶新时代电子系统科技有限公司
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