A financial transaction control system, an application and a method of the same

Abstract

[Problem to be solved] To provide a financial transaction control system that makes it possible to prevent unauthorized use via skimming or identity fraud by a third party in financial transactions such as use of credit and use of debit.[Solution] A financial transaction control system in which an open secret code and a close secret code are set and registered in a financial transaction processing application file generated for each user account. Authentication of an open secret code transmitted by a user terminal is required in processing for opening a financial transaction processing application file, and when financial transaction information is subsequently received from a financial transaction and editing processing for editing the financial transaction information in the financial transaction processing application file is performed, an approval request regarding the financial transaction information is transmitted to the user terminal, the financial transaction control system waits for a reply including approval information, and after authentication of a close secret code included in the approval information included in the reply. The transmitting processing for transmitting the financial transaction data to a payment management system and close processing for closing the financial transaction processing application file are performed.

Description

TECHNICAL FIELD[0001]The present invention relates to the technical field of fraud prevention in financial transactions involving credit use and debit use.BACKGROUND ART[0002]Financial transactions using a credit card, a cash card, or the like are widely spread because of high convenience. In recent years, electronic payment systems have become popular, and electronic payment using credit function applications and debit function applications incorporated into smart phones have been increasing.[0003]Financial transactions using a credit function and a debit function are convenient and are expected to become more popular in the future, but there is also a problem associated with unauthorized use. When the cards are lost or stolen, there is a possibility that the cards are illegally used. There is also a possibility that skimming damage may occur.[0004]To prevent unauthorized use of a credit card or a cash card, various measures are taken in the past.[0005]One of the prior personal aut...

AI Technical Summary

Benefits of technology

The financial transaction control system described in this patent prevents unauthorized use of cards. It works by assigning a special code to a user's account, allowing them to open and edit financial transaction information. However, if the code is used for unauthorized purposes, the system will detect it and close the application file, preventing further use. This makes it easy for users to approve and protect against unauthorized use.

Problems solved by technology

However, there are problems in the prior individual authentication processing described above.

When a sign of a user is used as the personal authentication means of a credit card, the security level is low.

That is, the signature may be false.

In addition, the staff at the store may not have enough experience or enough skill in sign authentication.

Next, when a personal identification number is used as the personal identification means of the credit card, the security level is not enough.

It may be inferred by third party and may be leaked out to a third party during the use of a credit card payment terminal in a certain financial transaction, so that a credit card may be illegally used.

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