Bank security interaction method and device based on virtual account, equipment and medium

Abstract

The invention relates to the field of bank security, and discloses a bank security interaction method and device based on a virtual account, equipment and a medium, and the method comprises the steps that a user presets a specific password or gesture bound with the account and sets the virtual account bound with the account; receiving a specific password or gesture input by a user; detecting whether the specific password or gesture meets a preset triggering condition; an alarm signal is triggered, and the signal is sent to a related mechanism or safety personnel; and after the alarm signal is triggered, switching the user account to a virtual account mode. According to the invention, the alarm signal is triggered by setting a specific password or gesture, so that a safety protection mechanism when a user encounters danger in a bank service process is realized. A user can trigger an alarm signal by inputting a specific password or gesture to quickly give an alarm. Secondly, real account information can be effectively hidden through a virtual account hiding function, the property loss of the user is reduced, the threat degree of a robber is reduced, and fund safety and personal safety of the user are protected.

Description

Technical Field

[0001] The present invention relates to the technical field of bank security, and specifically to a bank security interaction method, device, equipment and medium based on a virtual account. Background Art

[0002] In recent years, bank transaction terminals have been widely popularized, including ATMs, mobile banking, online banking, etc. When identifying the user identity, common ATMs generally adopt the digital password method. Only after entering the correct digital password can the ATM system allow subsequent operations. Such a method has certain information security risks. At the same time, when a user conducts a transaction using a bank transaction terminal, if the user's personal safety is threatened, it is difficult to terminate the transaction and freeze the account in a timely manner through system operations, and the account security cannot be guaranteed, resulting in financial losses.

[0003] Chinese Patent No. CN110675549A discloses a bank account security processing method and device. This method confirms user information by using voiceprint recognition technology and performs account security operations through voiceprint matching. In an emergency where account security is threatened, system operations do not need to be performed manually, solving the financial losses caused by account theft and effectively guaranteeing the security of bank accounts in a timely manner.

[0004] However, analyzing the actual situation, if a user is coerced and uses this voiceprint technology to swallow the debit card into the ATM, although this operation ensures financial security, this operation may anger the robber and pose a hazard to the user's personal safety. In the above scenario, the user's personal safety must be given priority. This patent document only considers the user's property losses and does not take into account the user's personal safety. Summary of the Invention

[0005] Aiming at the deficiencies of the prior art, the present invention provides a bank security interaction method, device, equipment and medium based on a virtual account, which can maximize the guarantee of the user's property security on the premise of protecting the user's personal safety.

[0006] To achieve the above objectives, the present invention is realized through the following technical solutions: A bank security interaction method based on a virtual account includes:

[0007] The user pre-sets a specific password or gesture bound to the account and sets a virtual account bound to the account;

[0008] Receive the specific password or gesture input by the user;

[0009] Detect whether the specific password or gesture meets the pre-set trigger condition;

[0010] Trigger an alarm signal and send the signal to relevant institutions or security personnel;

[0011] After triggering the alarm signal, switch the user account to the virtual account mode.

[0012] Preferably, the amount displayed on the ATM for the virtual account is preset by the user.

[0013] Preferably, the amount in the virtual account is a specific proportion of the balance of the main account.

[0014] Preferably, in the virtual account mode, the user can perform withdrawal and transfer operations.

[0015] Preferably, the specific password or gesture is input through the user interface on the ATM.

[0016] Preferably, the alarm signal includes location information, the ATM number, and the bank to which the ATM belongs.

[0017] Preferably, the alarm signal is sent to relevant institutions or security personnel through the alarm system connected to the ATM.

[0018] The present invention provides a bank security interaction method and device based on a virtual account, including:

[0019] A setting module for the user to preset a specific password or gesture bound to the account and set a virtual account bound to the account;

[0020] An interaction module for receiving the specific password or gesture input by the user;

[0021] A detection module for detecting whether the specific password or gesture meets the trigger condition;

[0022] An alarm system for triggering an alarm signal and sending the signal to relevant institutions or security personnel;

[0023] A switching module for switching the user account to the virtual account mode after receiving the alarm signal.

[0024] The present invention provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, and when the processor executes the computer program, the method is implemented.

[0025] The present invention provides a computer-readable storage medium storing a computer program for executing the method.

[0026] The present invention provides a bank security interaction method, device, equipment, and medium based on a virtual account. It has the following beneficial effects:

[0027] The present invention triggers an alarm signal by setting a specific password or gesture, realizing a security protection mechanism for users when they encounter danger during the bank service process. First, the user can trigger the alarm signal by inputting a specific password or gesture, quickly notify the bank or relevant institutions, and dispatch security personnel to the scene. Secondly, the virtual account hiding function can effectively hide the real account information, reduce the user's property loss, reduce the threat level of robbers, and protect the user's capital security and personal safety. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] Figure 1 is a flowchart of the method of the present invention;

[0029] Figure 2 is a flowchart of the method of the present invention;

[0030] Figure 3 is a schematic structural diagram of the device of the present invention; Figure 4 is a schematic structural diagram of the computer device of the present invention.

[0031] Among them, 40, computer device; 41, processor; 42, memory; 43, storage medium. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0032] Next, the technical solutions in the embodiments of the present invention will be clearly and completely described in conjunction with the accompanying drawings of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0033] Please refer to the attached Figure 1 - attached Figure 2 , the embodiments of the present invention provide a bank security interaction method based on a virtual account, including:

[0034] S1. The user pre-sets a specific password or gesture bound to the account and sets a virtual account bound to the account;

[0035] Before using the bank service, the user pre-sets a specific password or gesture bound to the account through the bank's system or mobile application, and sets the virtual account as an additional function of the account. The virtual account can display a balance different from the real account when withdrawing money to provide greater security.

[0036] S2. Receive the specific password or gesture input by the user;

[0037] When the user uses an ATM or other bank services, the user inputs the pre-set specific password or performs a specific gesture operation.

[0038] S3. Detect whether a specific password or gesture meets the pre-set trigger conditions;

[0039] The banking system or ATM detects whether the specific password or gesture entered by the user matches the pre-set conditions. These conditions can include the character combination of a specific password, the direction or order of a gesture, etc. If the user's input meets the trigger conditions, proceed to the next step; if the password entered by the user is the normal withdrawal password of the account, the withdrawal process is carried out normally.

[0040] S4. Trigger an alarm signal and send the signal to relevant institutions or security personnel;

[0041] Once the user's input meets the trigger conditions, the system automatically triggers an alarm signal and sends the alarm signal containing the user's location information, the ATM number, and the identity information related to the user's account to the receiving devices of the bank or relevant institutions. In this way, relevant institutions can respond quickly and dispatch security personnel to the scene.

[0042] S5. After triggering the alarm signal, switch the user's account to the virtual account mode;

[0043] Once the alarm signal is received, the banking system or ATM automatically switches the user's real account to the virtual account mode. In the virtual account mode, the user's real account information is hidden, and what is shown to the robber or threat is the balance of the virtual account, which can deceive the robber, protect the user's funds, and provide a higher level of personal safety protection for the user.

[0044] In the solution of this embodiment, by setting a specific password or gesture to trigger the alarm signal, a security protection mechanism for users in case of danger during the banking service process is realized. First, the user can trigger the alarm signal by entering a specific password or gesture, quickly notify the bank or relevant institutions and dispatch security personnel to the scene. Second, the virtual account hiding function can effectively hide the real account information, reduce the user's property losses, reduce the threat level of the robber, and protect the user's funds and personal safety.

[0045] In one embodiment, the amount displayed on the ATM for the virtual account is pre-set by the user, and the amount in the virtual account is a specific percentage of the balance of the main account.

[0046] In the solution of this embodiment, when the user sets up a virtual account bound to the account, the user can set the amount displayed for the virtual account. In this way, the user can freely choose, according to their own needs and security considerations, what percentage of the balance of the main account the virtual account displays.

[0047] For example, in the bank's system or mobile application, the user can set the amount displayed for the virtual account to 50% of the balance of the main account or a custom amount.

[0048] When the user is in a dangerous situation and triggers an alarm signal, after switching to the virtual account mode, the ATM will display the corresponding virtual account balance on the screen according to the display amount preset by the user. For example, if the user sets the virtual account display amount to 50% of the main account balance and the main account balance is 1000 yuan, the ATM will display the virtual account balance as 500 yuan.

[0049] By presetting the function of the virtual account display amount, the user can make the robber mistake the virtual account for the real account while protecting the balance of their main account. This method puts the user's rights in the foreground and enhances the user's active control ability over account security.

[0050] In one embodiment, in the virtual account mode, the user can perform withdrawal and transfer operations;

[0051] In the solution of this embodiment, the user can use the ATM to withdraw money in the virtual account mode. When the user selects the withdrawal operation, the ATM will display the balance of the virtual account and ask the user to enter the amount to be withdrawn.

[0052] For example, if the displayed balance of the virtual account is 500 yuan, the user can enter any withdrawal amount less than or equal to 500 yuan. The ATM will verify the user's identity and account information, confirm the available balance of the virtual account, and deduct the corresponding amount from the main account.

[0053] In the virtual account mode, the user can also perform transfer operations. The user can select the transfer function on the ATM and provide the relevant information for the transfer, such as the recipient's account number and the transfer amount.

[0054] The ATM will verify the user's identity and account information, confirm the available balance of the virtual account, and check the accuracy of the transfer information. Once the verification is passed, the ATM will deduct the transfer amount from the virtual account and transfer it to the specified recipient's account.

[0055] When performing withdrawal and transfer operations, the corresponding amount is actually deducted from the main account, and the display amount of the virtual account is only a display effect and does not affect the actual flow of funds and transfers between accounts. The user can protect the security of the main account and increase the control ability over the account.

[0056] In one embodiment, a specific password or gesture is input through the user interface on the ATM;

[0057] In the solution of this embodiment, the user operates on the ATM provided by the bank. The ATM will display operation guides and options. The user can interact with the ATM through the touch screen, physical buttons or other input methods. The user selects the operation to be performed according to the normal operation process, such as withdrawing money, querying the balance, transferring money, etc. When the ATM requests the user to enter a password, on the interface marked with the password input box, the user can enter a specific password or perform a specific gesture operation. The ATM will verify whether the password or gesture operation entered by the user matches the preset specific password or gesture operation. If the password or gesture operation entered by the user matches the preset specific password or gesture operation, the ATM will trigger an alarm signal and send the signal to the relevant agency or security personnel; the specific gesture here can be triggered by pressing the physical buttons on the ATM in a certain order.

[0058] In one embodiment, the alarm signal includes location information, the ATM number, and the bank to which the ATM belongs;

[0059] In the solution of this embodiment, the alarm signal contains the following information:

[0060] Location information: The alarm system will obtain the location information of the ATM, usually obtained through GPS positioning or other positioning technologies. The location information can be longitude and latitude coordinates, specific addresses, or other information that can accurately describe the location of the ATM.

[0061] ATM number: Each ATM has a unique number for identification. In the alarm signal, the specific ATM number that triggers the alarm will be included to facilitate tracking and locating the problem.

[0062] Bank to which the ATM belongs: The alarm signal will clearly indicate the bank or financial institution to which the ATM that triggers the alarm belongs;

[0063] This setting can provide more accurate alarm information, helping the relevant agencies to take response measures quickly and protect the safety of users.

[0064] In one embodiment, the alarm signal is sent to the relevant agency or security personnel through the alarm system connected to the ATM;

[0065] In the solution of this embodiment, the ATM has established a connection with the alarm system and can send the alarm signal through this system. The alarm system is usually a security device specially designed to monitor and protect the ATM, and is physically or wirelessly connected to the ATM.

[0066] Once the alarm signal is triggered, the alarm system will send the alarm signal to relevant agencies or security personnel through the communication system it is connected to. The relevant agencies or security personnel who receive the alarm signal will take actions according to the set emergency response plan. They may dispatch security personnel to the location of the ATM, contact the police and provide detailed alarm information, and take other necessary measures to protect the safety of the ATM and users.

[0067] For a clearer explanation of the above bank security interaction method based on virtual accounts, the following will be described in combination with specific embodiments. However, it should be noted that this embodiment is only for better explaining the present invention and does not constitute an improper limitation of the present invention.

[0068] Embodiment 1:

[0069] The user pre-sets a specific password or gesture bound to their account through the bank's system or mobile application, sets the virtual account as an additional function of the account, and sets the displayed amount in the virtual account at the same time.

[0070] Taking the example of a user withdrawing money from an ATM of a bank, the user interacts with the ATM through a touch screen, physical buttons or other input methods. The user normally enters the password of the main account and proceeds with the regular withdrawal process.

[0071] Embodiment 2:

[0072] Based on Embodiment 1, when the user is threatened while withdrawing money from an ATM of a bank, the user interacts with the ATM through a touch screen, physical buttons or other input methods. When the ATM asks the user to enter the password, on the interface marked with the password input box, the user can enter the pre-set specific password. The ATM will verify whether the password entered by the user matches the pre-set specific password. If the password entered by the user matches the pre-set specific password, the ATM will trigger an alarm signal and send the signal to relevant agencies or security personnel; at the same time, the system will switch to display the virtual account set by the user, and the user can perform withdrawal operations through the virtual account, ensuring the user's personal safety while maximizing the protection of the user's property safety.

[0073] Embodiment 3:

[0074] Based on Embodiment 2, when a user is threatened while withdrawing money from an ATM at a bank, the user interacts with the ATM through a touch screen, physical buttons or other input methods. When the ATM asks the user to enter a password, on the interface marked with a password input box, the user can enter the password. After entering the password, the user can enter a pre-set gesture operation. For example: continuously pressing the confirmation button multiple times, or pressing the physical buttons of the ATM in a certain order. The ATM will verify whether the gesture operation entered by the user matches the pre-set gesture operation. If the gesture operation entered by the user matches the pre-set gesture operation, the ATM will trigger an alarm signal and send the signal to relevant institutions or security personnel; at the same time, the system will switch to display the virtual account set by the user, and the user can perform withdrawal operations through the virtual account, ensuring the user's personal safety while maximizing the protection of the user's property safety.

[0075] Embodiment 4:

[0076] Based on Embodiment 1, when a user is threatened and tells the bank card and password to a robber, the user can tell the robber a set specific password. When the robber uses this specific password to operate at the ATM and the ATM asks for a password, on the interface marked with a password input box, the robber enters the pre-set specific password. The ATM will verify whether the entered password matches the pre-set specific password. If the entered password matches the pre-set specific password, the ATM will trigger an alarm signal and send the signal to relevant institutions or security personnel; at the same time, the system will switch to display the virtual account set by the user, and the robber can only perform withdrawal operations through the virtual account, ensuring the user's personal safety while maximizing the protection of the user's property safety.

[0077] In summary, the method of the present invention triggers an alarm signal by setting a specific password or gesture, realizing a security protection mechanism for users when encountering danger during the bank service process. At the same time, the virtual account hiding function can effectively hide the real account information, reduce the user's property loss, reduce the threat level of the robber, and protect the user's capital safety and personal safety.

[0078] For the implementation of the bank security interaction device based on the virtual account, reference can be made to the implementation of the above method, and the repeated parts will not be elaborated.

[0079] Please refer to the attached Figure 1 - attached Figure 3 , the present invention provides a bank security interaction device based on a virtual account, including:

[0080] A setting module, used for a user to pre-set a specific password or gesture bound to the account and set a virtual account bound to the account;

[0081] An interaction module, used for receiving the specific password or gesture input by the user;

[0082] A detection module, configured to detect whether a specific password or gesture meets the triggering condition;

[0083] An alarm system, configured to trigger an alarm signal and send the signal to relevant institutions or security personnel;

[0084] A switching module, configured to switch the user account to the virtual account mode after receiving the alarm signal.

[0085] Please refer to the appendix Figure 4 , the present invention also provides a computer device 40, including: a processor 41 and a memory 42, the memory 42 stores a computer program executable by the processor, and when the computer program is executed by the processor, the above method is executed.

[0086] The present invention also provides a storage medium 43, on which a computer program is stored, and when the computer program is run by the processor 41, the above method is executed.

[0087] Wherein, the storage medium 43 can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (abbreviated as SRAM), electrically erasable programmable read-only memory (abbreviated as EEPROM), erasable programmable read-only memory (abbreviated as EPROM), programmable read-only memory (abbreviated as PROM), read-only memory (abbreviated as ROM), magnetic memory, flash memory, magnetic disk or optical disk.

[0088] Although the embodiments of the present invention have been shown and described, for those of ordinary skill in the art, it can be understood that various changes, modifications, substitutions and variations can be made to these embodiments without departing from the principles and spirit of the present invention, and the scope of the present invention is defined by the appended claims and their equivalents.

Claims

1. A bank security interaction method based on a virtual account, characterized in that: include: The user pre-sets a specific password or gesture to be bound to the account and sets up a virtual account to be bound to the account; Receive a specific password or gesture input by the user; Detect whether a specific password or gesture meets the pre-set trigger conditions; Trigger an alarm signal and send it to relevant agencies or security personnel; After the alarm signal is triggered, the user account is switched to virtual account mode.

2. The bank security interaction method based on virtual accounts according to claim 1 is characterized in that: The amount displayed by the virtual account on the ATM machine is preset by the user.

3. The bank security interaction method based on virtual accounts according to claim 2 is characterized in that: The amount in the virtual account is a specific proportion of the balance in the main account.

4. The bank security interaction method based on virtual accounts according to claim 3 is characterized in that: In the virtual account mode, users can withdraw and transfer money.

5. The bank security interaction method based on virtual accounts according to claim 1, characterized in that: The specific password or gesture is input by the user through an interface on the ATM machine.

6. The bank security interaction method based on virtual accounts according to claim 1, characterized in that: The alarm signal includes location information, ATM machine number and the bank to which the ATM machine belongs.

7. The bank security interaction method based on virtual accounts according to claim 6 is characterized in that: The alarm signal is sent to relevant institutions or security personnel through an alarm system connected to the ATM machine.

8. A bank security interaction method device based on a virtual account, used to implement the bank security interaction method based on a virtual account as claimed in any one of claims 1 to 6, characterized in that: include: A setting module, used for a user to pre-set a specific password or gesture bound to an account and to set a virtual account bound to an account; An interactive module, used for receiving a specific password or gesture input by a user; A detection module is used to detect whether a specific password or gesture meets the trigger condition; Alarm system, used to trigger alarm signals and send them to relevant agencies or security personnel; The switching module is used to switch the user account to the virtual account mode after receiving the alarm signal.

9. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 7 is implemented.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program for executing the method according to any one of claims 1 to 7.

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