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Method for real-time authorization of bank card transaction based on interactive voice response

An interactive voice and bank card technology, applied in the "bank card bodyguard" business, based on interactive voice response to real-time authorization of bank card transactions, can solve the problems of harming the interests of consumers and banks, restricting the promotion of bank card business, etc.

Inactive Publication Date: 2006-07-12
BEIJING UNIV OF POSTS & TELECOMM
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  • Summary
  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

This kind of illegal behavior of bank cards being stolen by others occurs frequently, which not only greatly damages the interests of consumers and banks, but also limits the further promotion of bank card business.

Method used

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  • Method for real-time authorization of bank card transaction based on interactive voice response
  • Method for real-time authorization of bank card transaction based on interactive voice response
  • Method for real-time authorization of bank card transaction based on interactive voice response

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Embodiment Construction

[0035] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings.

[0036] The present invention is a method for real-time authorization of bank card transactions based on interactive voice responses, that is, a method for realizing the "bank card bodyguard" business. It first binds the card number of the user's bank card with the user's phone number , when the withdrawal amount of the bank card reaches or exceeds the set withdrawal limit, it will first call each telephone terminal preset by the user in order to remind the user that the bank card is withdrawing cash or consumption, and according to the user's answering Button response to determine whether to allow this transaction; if the withdrawal site has a corresponding communication device, during the transaction, the user and the personnel at the withdrawal site conduct voice / v...

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Abstract

Disclosed is a method for authorizing with interactive audio response during dealing with bank card which comprises: binding the bank card number with user's phone numbers; when draw amount of bank card equals or exceeds the pre-set draw amount, calling user's pre-set phone terminals in sequence and prompting user that the bank card being drawn or consumed, according to press-key response after getting through user to decide whether to allow this dealing; if having communication device on drawing locale, then user being able to communicate with persons on locale with speech / video; if none of the pre-set phone terminals being gotten through, rejecting or allowing the dealing according to user's pre-set policies.

Description

technical field [0001] The invention relates to a method for realizing the service of "bank card bodyguard", in particular to a method for real-time authorization of bank card transactions based on Interactive Voice Response (IVR). The method is to carry out real-time authentication on the transaction behavior of using the bank card through the telecommunication network between the telecommunication network and the bank withdrawal system, so as to ensure the security of the transaction, and belongs to the technical field of value-added services of the telecommunication network. Background technique [0002] With the rapid development of the self-service banking industry, automatic teller machine ATM (Automatic Teller Machine) cash withdrawal devices have spread all over many places in cities and towns. Payment transactions, thereby replacing the automated financial equipment that bank tellers traditionally operate manually. ATM cash withdrawal devices can quickly handle fin...

Claims

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Application Information

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IPC IPC(8): G07F19/00G07F7/00
Inventor 杨放春徐鹏邹华苏森姚世民孙其博李静林龙湘明李自如林荣恒李欣闫威
Owner BEIJING UNIV OF POSTS & TELECOMM
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