CN105427479A - Man-machine interaction ATM safety management system and method - Google Patents
Man-machine interaction ATM safety management system and method Download PDFInfo
- Publication number
- CN105427479A CN105427479A CN201510742421.6A CN201510742421A CN105427479A CN 105427479 A CN105427479 A CN 105427479A CN 201510742421 A CN201510742421 A CN 201510742421A CN 105427479 A CN105427479 A CN 105427479A
- Authority
- CN
- China
- Prior art keywords
- user
- transfer
- module
- remittance
- atm
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/206—Software aspects at ATMs
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a man-machine interaction ATM safety management method. The man-machine interaction ATM safety management method comprises the steps that an individual database is established according to historical records of user operation in an original ATM system; whether a user transfer account is a strange object or a transfer sum is large or not is judged; if yes, a user is prompted and suggested to select a safety mode for transfer; when the safety mode is started, the user is prompted to answer identity verification questions; the questions answered by the user are evaluated to determine an operation result. The invention further relates to a man-machine interaction ATM safety management system. By means of the man-machine interaction ATM safety management method and system, the user can be prompted through voices and an interface to be alerted, so that telecommunication frauds are effectively reduced, and property losses are avoided.
Description
Technical field
The present invention relates to a kind of man-machine interaction ATM safety management system method.
Background technology
Current telecommunications swindle case gets more and more, and swindle plot is more and more serious.
Most telecommunication fraud is undertaken by the ATM mode of transferring accounts, and fund is transferred accounts among swindler's account by ATM by lamb.
But, not yet there is a kind of man-machine interaction ATM safety management system or method at present.Because existing ATM system does not have safety management function, be difficult to deal with day by day serious telecommunication fraud, lamb often suffers larger property loss.
Summary of the invention
In view of this, be necessary to provide a kind of man-machine interaction ATM safety management system and method.
The present invention also provides a kind of man-machine interaction ATM safety management system, comprise Database module, judge module, prompting module, enquirement module and evaluation module, wherein: described Database module is used for the historical record according to user operation in original ATM system, sets up individual database; Described judge module is for judging whether user's transfer account is whether strange object or transfer amounts be larger; Described prompting module is used for when user's transfer account is strange object or transfer amounts is larger, reminds and advises that user selects safe mode to transfer accounts; Described judge module also enters safe mode for judging whether; Described enquirement module is used for after entering safe mode, and prompting user answers Authentication Questions; The problem that described evaluation module is used for user answers is assessed.
Wherein, the historical record of described user operation comprises: remittance object, money transfer amount, remittance time, described individual database comprises: remittance object, money transfer amount, remittance time.
Described reminding user comprises: by voice reminder user, by info web reminding user, remind by voice reminder and webpage the mode reminding user combined.
The problem that described prompting user answers comprises: " receiving stranger's phone? ", " exist following typical telecommunications swindle sign ", " thing of transferring accounts is linked up with household? "
Described evaluation module, specifically for setting up appraisement system, is assessed the problem that user answers, as negative rate reaches secure threshold, is then given a warning, notify staff, or locking account.
The invention provides a kind of man-machine interaction ATM method for managing security, the method comprises the steps:, according to the historical record of user operation in original ATM system, to set up individual database; Judge whether user's transfer account is whether strange object or transfer amounts be larger; When user's transfer account is strange object or transfer amounts is larger, reminds and advise that user selects safe mode to transfer accounts; Judge whether to enter safe mode; After entering safe mode, prompting user answers Authentication Questions; The problem that user answers is assessed, takes corresponding measure.
Wherein, the historical record of described user operation comprises: remittance object, money transfer amount, remittance time, described individual database comprises: remittance object, money transfer amount, remittance time.
Described reminding user comprises: by voice reminder user, by info web reminding user, remind by voice reminder and webpage the mode reminding user combined.
The problem that described prompting user answers comprises: " receiving stranger's phone? ", " exist following typical telecommunications swindle sign ", " thing of transferring accounts is linked up with household? "
Described step is assessed the problem that user answers and is specifically comprised: set up appraisement system, assesses, as negative rate reaches secure threshold, then give a warning, notify staff the problem that user answers, or locking account.
A kind of man-machine interaction ATM safety management system of the present invention and method, by increasing the intelligent reminding function (voice and the page mutual) based on user operation records in the past in ATM operation, design serial question and answer, reminding user keeps fund security, effective reduction telecommunication fraud, make lamb watchful, avoid property loss.
Accompanying drawing explanation
Fig. 1 is the hardware structure figure of a kind of man-machine interaction ATM of the present invention safety management system;
Fig. 2 is the process flow diagram of a kind of man-machine interaction ATM of the present invention method for managing security.
Embodiment
Below in conjunction with drawings and the specific embodiments, the present invention is further detailed explanation.
Consulting shown in Fig. 1, is the hardware structure figure of a kind of man-machine interaction ATM of the present invention safety management system.This system comprises Database module, judge module, prompting module, enquirement module and evaluation module.
Described Database module is used for the historical record according to user operation in original ATM system, sets up individual database.Specific as follows:
From original ATM system, obtain the historical record of user operation, the historical record according to described user operation sets up individual database.Wherein, the historical record of described user operation comprises: remittance object, money transfer amount, remittance time.Described individual database comprises: remittance object, money transfer amount, remittance time.
Described judge module is for judging whether user's transfer account is whether strange object or transfer amounts be larger.Specifically:
Search in described individual database according to user's transfer account, if do not find user's transfer account in described individual database, then the account is strange object.The restriction amount of money that the amount of money will transfer accounts user and user are arranged in advance compares, if the amount of money that user will transfer accounts is greater than the restriction amount of money that user is arranged in advance, then shows that user's transfer amounts is larger.
Described prompting module is used for reminding and advising that user selects safe mode to transfer accounts.Specifically:
In one embodiment, by voice reminder user: " transfer accounts remittance object not in list in the past, suggestion selects safe mode to transfer accounts ", or " remittance amount of transferring accounts is comparatively large, and suggestion selects safe mode to transfer accounts ", thus effectively prevent telecommunication fraud.
In another embodiment, by info web reminding user: " transfer accounts remittance object not in list in the past; suggestion selects safe mode to transfer accounts " with display face reminding user on webpage, or " remittance amount of transferring accounts is larger; suggestion selects safe mode to transfer accounts ", thus effectively prevent telecommunication fraud.
In other embodiments, also can remind by voice reminder and webpage the mode combined, repeat no more herein.
Described judge module also enters safe mode for judging whether.
In the present embodiment, the button that judges whether user clicks " entering safe mode ".
Described enquirement module answers Authentication Questions for pointing out user.
In the present embodiment, after entering safe mode, the Authentication Questions that prompting user answers comprises: " receiving stranger's phone? ", " exist following typical telecommunications swindle sign ", " thing of transferring accounts is linked up with household? "
The problem that described evaluation module is used for user answers is assessed.Specifically:
In the present embodiment, set up appraisement system, the problem that user answers is assessed.As negated that rate reaches secure threshold, then give a warning, notify staff, or locking account.
Consulting shown in Fig. 2, is the operation process chart of a kind of man-machine interaction ATM of the present invention method for managing security preferred embodiment.
Step S401, according to the historical record of user operation in original ATM system, sets up individual database.Specific as follows:
From original ATM system, obtain the historical record of user operation, the historical record according to described user operation sets up individual database.Wherein, the historical record of described user operation comprises: remittance object, money transfer amount, remittance time.Described individual database comprises: remittance object, money transfer amount, remittance time.
Step S402, judges whether user's transfer account is whether strange object or transfer amounts be larger.Specifically:
Search in described individual database according to user's transfer account, if do not find user's transfer account in described individual database, then the account is strange object, enters step S403; If find user's transfer account in described individual database, then show that the account is not strange object, flow process terminates.The restriction amount of money that the amount of money will transfer accounts user and user are arranged in advance compares, if the amount of money that user will transfer accounts is greater than the restriction amount of money that user is arranged in advance, then shows that user's transfer amounts is comparatively large, enters step S403; If the amount of money that user will transfer accounts is not more than the restriction amount of money that user is arranged in advance, flow process terminates.
Step S403, reminds and advises that user selects safe mode to transfer accounts.Specifically:
In one embodiment, by voice reminder user: " transfer accounts remittance object not in list in the past, suggestion selects safe mode to transfer accounts ", or " remittance amount of transferring accounts is comparatively large, and suggestion selects safe mode to transfer accounts ", thus effectively prevent telecommunication fraud.
In another embodiment, by info web reminding user: " transfer accounts remittance object not in list in the past; suggestion selects safe mode to transfer accounts " with display face reminding user on webpage, or " remittance amount of transferring accounts is larger; suggestion selects safe mode to transfer accounts ", thus effectively prevent telecommunication fraud.
In other embodiments, also can remind by voice reminder and webpage the mode combined, repeat no more herein.
Step S404, judges whether to enter safe mode.
In the present embodiment, the button that judges whether user clicks " entering safe mode ".If enter safe mode, then enter step S405, otherwise flow process terminates.
Step S405, prompting user answers Authentication Questions.
In the present embodiment, after entering safe mode, the Authentication Questions that prompting user answers comprises: " receiving stranger's phone? ", " exist following typical telecommunications swindle sign ", " thing of transferring accounts is linked up with household? "
Step S406, assesses the problem that user answers.Specifically:
In the present embodiment, set up appraisement system, the problem that user answers is assessed.As negated that rate reaches secure threshold, then give a warning, notify staff, or locking account.
The present invention carries out secondary development to existing ATM system, individual database is set up based on user in the past operation note, the storage administration in addition of bank backstage, as operation indicating foundation, adjust original ATM operating process, increase secure mode of operation and appraisement system, thus effectively reduce telecommunication fraud, avoid the property loss of lamb.
Although the present invention is described with reference to current better embodiment; but those skilled in the art will be understood that; above-mentioned better embodiment is only used for the present invention is described; not be used for limiting protection scope of the present invention; any within the spirit and principles in the present invention scope; any modification of doing, equivalence replacement, improvement etc., all should be included within the scope of the present invention.
Claims (10)
1. a man-machine interaction ATM safety management system, is characterized in that, this system comprises Database module, judge module, prompting module, enquirement module and evaluation module, wherein:
Described Database module is used for the historical record according to user operation in original ATM system, sets up individual database;
Described judge module is for judging whether user's transfer account is whether strange object or transfer amounts be larger;
Described prompting module is used for when user's transfer account is strange object or transfer amounts is larger, reminds and advises that user selects safe mode to transfer accounts;
Described judge module also enters safe mode for judging whether;
Described enquirement module is used for after entering safe mode, and prompting user answers Authentication Questions;
The problem that described evaluation module is used for user answers is assessed.
2. the system as claimed in claim 1, is characterized in that, the historical record of described user operation comprises: remittance object, money transfer amount, remittance time, described individual database comprises: remittance object, money transfer amount, remittance time.
3. the system as claimed in claim 1, is characterized in that, described reminding user comprises: by voice reminder user, by info web reminding user, remind by voice reminder and webpage the mode reminding user combined.
4. the system as claimed in claim 1, is characterized in that, the problem that described prompting user answers comprises: " receiving stranger's phone? ", " exist following typical telecommunications swindle sign ", " thing of transferring accounts is linked up with household? "
5. the system as claimed in claim 1, is characterized in that, described evaluation module, specifically for setting up appraisement system, is assessed the problem that user answers, as negative rate reaches secure threshold, then given a warning, notify staff, or locking account.
6. a man-machine interaction ATM method for managing security, is characterized in that, the method comprises the steps:
According to the historical record of user operation in original ATM system, set up individual database;
Judge whether user's transfer account is whether strange object or transfer amounts be larger;
When user's transfer account is strange object or transfer amounts is larger, reminds and advise that user selects safe mode to transfer accounts;
Judge whether to enter safe mode;
After entering safe mode, prompting user answers Authentication Questions;
The problem that user answers is assessed, takes corresponding measure.
7. method as claimed in claim 6, it is characterized in that, the historical record of described user operation comprises: remittance object, money transfer amount, remittance time, described individual database comprises: remittance object, money transfer amount, remittance time.
8. method as claimed in claim 6, it is characterized in that, described reminding user comprises: by voice reminder user, by info web reminding user, remind by voice reminder and webpage the mode reminding user combined.
9. method as claimed in claim 6, is characterized in that, the problem that described prompting user answers comprises: " receiving stranger's phone? ", " exist following typical telecommunications swindle sign ", " thing of transferring accounts is linked up with household? "
10. method as claimed in claim 6, it is characterized in that, described step is assessed the problem that user answers and is specifically comprised: set up appraisement system, the problem that user answers is assessed, as negative rate reaches secure threshold, then gives a warning, notify staff, or locking account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510742421.6A CN105427479A (en) | 2015-11-04 | 2015-11-04 | Man-machine interaction ATM safety management system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510742421.6A CN105427479A (en) | 2015-11-04 | 2015-11-04 | Man-machine interaction ATM safety management system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105427479A true CN105427479A (en) | 2016-03-23 |
Family
ID=55505656
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510742421.6A Pending CN105427479A (en) | 2015-11-04 | 2015-11-04 | Man-machine interaction ATM safety management system and method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN105427479A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107424350A (en) * | 2017-07-19 | 2017-12-01 | 中国银行股份有限公司 | A kind of interface prompt method and device of transferring accounts of ATM |
| CN105993036B (en) * | 2016-05-10 | 2018-12-11 | 深圳怡化电脑股份有限公司 | A kind of method for processing business and system of self-aided terminal |
| CN110348704A (en) * | 2019-06-25 | 2019-10-18 | 阿里巴巴集团控股有限公司 | Risk Identification Method, apparatus and system |
| CN110348834A (en) * | 2019-05-27 | 2019-10-18 | 平安银行股份有限公司 | Resource transfers method, apparatus, electronic equipment and medium based on speech recognition |
| CN113628395A (en) * | 2021-08-06 | 2021-11-09 | 高海涛 | Financial service terminal based on cloud calculates |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH10261167A (en) * | 1997-03-21 | 1998-09-29 | Toshiba Corp | Operation management system for automatic transaction device and operation management method for the automatic transaction device |
| JPH10320485A (en) * | 1997-05-16 | 1998-12-04 | Sumitomo Ginkou:Kk | Telephone banking method |
| CN101140648A (en) * | 2007-09-10 | 2008-03-12 | 王忠杰 | Method for bank bill online authorisation and off line trading |
| CN101246620A (en) * | 2007-02-14 | 2008-08-20 | 日立欧姆龙金融***有限公司 | Questionable action monitoring method and apparatus |
| CN101770669A (en) * | 2008-12-27 | 2010-07-07 | 深圳富泰宏精密工业有限公司 | Bank automatic warning system and method thereof |
| CN104715362A (en) * | 2013-12-16 | 2015-06-17 | 黄金富知识产权咨询(深圳)有限公司 | Payment system and method for confirming deal through real-time information communication |
-
2015
- 2015-11-04 CN CN201510742421.6A patent/CN105427479A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH10261167A (en) * | 1997-03-21 | 1998-09-29 | Toshiba Corp | Operation management system for automatic transaction device and operation management method for the automatic transaction device |
| JPH10320485A (en) * | 1997-05-16 | 1998-12-04 | Sumitomo Ginkou:Kk | Telephone banking method |
| CN101246620A (en) * | 2007-02-14 | 2008-08-20 | 日立欧姆龙金融***有限公司 | Questionable action monitoring method and apparatus |
| CN101140648A (en) * | 2007-09-10 | 2008-03-12 | 王忠杰 | Method for bank bill online authorisation and off line trading |
| CN101770669A (en) * | 2008-12-27 | 2010-07-07 | 深圳富泰宏精密工业有限公司 | Bank automatic warning system and method thereof |
| CN104715362A (en) * | 2013-12-16 | 2015-06-17 | 黄金富知识产权咨询(深圳)有限公司 | Payment system and method for confirming deal through real-time information communication |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105993036B (en) * | 2016-05-10 | 2018-12-11 | 深圳怡化电脑股份有限公司 | A kind of method for processing business and system of self-aided terminal |
| CN107424350A (en) * | 2017-07-19 | 2017-12-01 | 中国银行股份有限公司 | A kind of interface prompt method and device of transferring accounts of ATM |
| CN107424350B (en) * | 2017-07-19 | 2020-08-21 | 中国银行股份有限公司 | Transfer interface prompting method and device of automatic teller machine |
| CN110348834A (en) * | 2019-05-27 | 2019-10-18 | 平安银行股份有限公司 | Resource transfers method, apparatus, electronic equipment and medium based on speech recognition |
| CN110348704A (en) * | 2019-06-25 | 2019-10-18 | 阿里巴巴集团控股有限公司 | Risk Identification Method, apparatus and system |
| CN113628395A (en) * | 2021-08-06 | 2021-11-09 | 高海涛 | Financial service terminal based on cloud calculates |
| CN113628395B (en) * | 2021-08-06 | 2022-07-05 | 深圳市易玘发展有限公司 | Financial service terminal based on cloud calculates |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN105427479A (en) | Man-machine interaction ATM safety management system and method | |
| KR101153968B1 (en) | System and method for preventing financial fraud | |
| US7650157B2 (en) | Mobile device notification with options | |
| CN102045682B (en) | Method and system for handling abnormal transactions of payment services | |
| CN105654300A (en) | Payment abnormity processing method and apparatus thereof | |
| CN102368853B (en) | Communication event processing method and system thereof | |
| CN102547709A (en) | Method and mobile phone for identifying fraud short messages | |
| CN104639750A (en) | Financial revenue and expenditure recording method and system based on mobile terminal and mobile terminal | |
| CN101770669A (en) | Bank automatic warning system and method thereof | |
| CN103745538A (en) | Password protection method and system of financial account | |
| US20090094669A1 (en) | Detecting fraud in a communications network | |
| CN106412348A (en) | Tele-recording recognition early warning control method | |
| CN107451912A (en) | The processing method and processing device of credit information | |
| CN104902074A (en) | Mobile phone information security management method based on multiple authority modes | |
| CN106355382A (en) | Event reminding method and device | |
| KR101306074B1 (en) | Method and system to prevent phishing | |
| CN105163296A (en) | Multi-dimensional spam message filtering method and system | |
| CN103793774A (en) | Account system and method for realizing management of carbon emission or carbon emission reduction behavior | |
| CN103139730B (en) | For identifying that a large amount of number low frequency sends the method for refuse messages situation | |
| CN105741444B (en) | Application authentication method and device based on linux system financial self-service equipment | |
| CN103679934A (en) | Method and device for processing bank card information | |
| CN102905237A (en) | Enhanced short message verification code | |
| CN102622546B (en) | XFS (extensions for financial services) order based call identity authentication method and call identity authentication system | |
| CN108805543A (en) | A kind of method and terminal of output Receiving information | |
| CN108683582A (en) | A kind of method and system for ensureing real-time stabilization and being pushed to user terminal |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20160323 |
|
| RJ01 | Rejection of invention patent application after publication |