Operation delay and notification system based on device binding and sim card change linkage and method thereof

Abstract

A system and method for operation delay and notification based on device binding and SIM card change linkage is disclosed. Executed via a mobile device, after a user logs into mobile banking, the system determines whether the user has bound the mobile device and re-established the quick login verification mechanism. If so, it further queries the telecom host to check whether the SIM card for the mobile number has been changed within a preset time interval. When both conditions are met, the mobile device is set to a high-risk state. Upon triggering a high-risk operation, the execution of this high-risk operation is suspended, and a notification is simultaneously sent to the bank's host. The high-risk operation is only resumed after receiving a de-alarm message from the bank's host. This method aims to enhance the SIM card fraud prevention capabilities of mobile banking.

Claims

1. An operation delay and notification system based on device binding and SIM card anomaly linkage, executed by a mobile device, the system comprising: a login status determination module, used to determine whether the user has performed the binding and quick login verification mechanism of the mobile device after each user logs into a mobile banking application (APP) of the mobile device; if so, outputting a device anomaly confirmation message; and a telecommunications data query module, connected to the login status determination module, used to transmit a mobile phone number corresponding to the mobile device to a telecommunications host through an application program interface (API) after outputting the device anomaly confirmation message, to query whether a Subscriber Identity Module Card (SIM Card) of the mobile phone number has been changed within a preset time interval; if so, the mobile banking application sets the mobile device and the mobile phone number to a high-risk state. A high-risk operation judgment module, connected to the telecommunications data query module, continuously monitors a high-risk operation when the mobile device and the mobile number are set to the high-risk state. When the high-risk operation is triggered, an operation content record corresponding to the high-risk operation is generated in real time. An operation delay and notification module, connected to the high-risk operation judgment module, is used to embed the operation content record into an internal notification alarm message and send it to a bank host. It also initiates an operation delay execution setting to change the triggered high-risk operation from an executing state to a paused state. After receiving an alarm cancellation message from the bank host, it automatically changes the high-risk operation from the paused state back to the executing state to continue completing the high-risk operation.

2. The operation delay and notification system based on device binding and SIM card change linkage as described in Request 1, wherein the time interval is a preset duration calculated backward from a point in time when the user logs into the mobile banking application, and the time unit of the preset duration is selected from one of year, month, day, hour, minute and second.

3. The operation delay and notification system based on device binding and SIM card anomaly linkage as described in Request 1, wherein the high-risk operation includes transfer amount exceeding a preset value, non-agreed transfer, adding an account for agreed transfer, and modifying the user's contact information.

4. The operation delay and notification system based on device binding and SIM card change linkage as in Request 1, wherein the binding of the mobile device is an association between a unique identifier and a user account, and the reconstruction of the quick login verification mechanism is a reset of at least one of biometrics, pattern password and personal identification code.

5. As in Request 1, the operation delay and notification system based on device binding and SIM card change linkage, wherein the replacement event information includes a replacement timestamp of one of the user identification modules, and the mobile banking application determines whether the user identification module was replaced within the time interval based on the replacement timestamp and a current time.

6. A method for operation delay and notification based on device binding and SIM card anomaly linkage, executed by a mobile device, comprising the following steps: Each time a user logs into a mobile banking application (APP) on the mobile device, the system determines whether the user has re-established the binding and quick login verification mechanism for the mobile device. If so, a device anomaly confirmation message is output. After outputting the device anomaly confirmation message, the system transmits the mobile phone number corresponding to the mobile device to a telecommunications host via an application program interface (API) to query whether the Subscriber Identity Module Card (SIM Card) of the mobile phone number has been replaced within a preset time interval. If so, the mobile banking application sets the mobile device and the mobile phone number to a high-risk state. When the mobile device and the mobile number are set to the high-risk state, the mobile banking application continuously monitors a high-risk operation. When the high-risk operation is triggered, it immediately generates an operation content record corresponding to the high-risk operation; embeds the operation content record into an internal notification alarm message and sends it to a bank-end host; and initiates an operation delay execution setting to change the triggered high-risk operation from an executing state to a paused state. Until an alarm cancellation message is received from the bank-end host, the high-risk operation is automatically changed from the paused state to the executing state to continue completing the high-risk operation.

7. The operation delay and notification method based on device binding and SIM card change linkage as described in Request 6, wherein the time interval is a preset duration calculated backward from a point in time when the user logs into the mobile banking application, and the time unit of the preset duration is selected from one of year, month, day, hour, minute and second.

8. The method for delaying and notifying operations based on device binding and SIM card anomaly linkage as described in Request 6, wherein the high-risk operations include transfer amounts exceeding a preset value, non-agreed transfers, adding accounts for agreed transfers, and modifying the user's contact information.

9. The operation delay and notification method based on device binding and SIM card change linkage as described in Request 6, wherein the binding of the mobile device is an association between a unique identifier and a user account, and the reconstruction of the quick login verification mechanism is a reset of at least one of biometrics, pattern password and personal identification code.

10. The operation delay and notification method based on device binding and SIM card change linkage as described in Request 6, wherein the replacement event information includes a replacement timestamp of one of the user identification modules, and the mobile banking application determines whether the user identification module has been replaced within the time interval based on the replacement timestamp and a current time.

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