CN106600246A - Anti-theft method of bank card - Google Patents

Anti-theft method of bank card Download PDF

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Publication number
CN106600246A
CN106600246A CN201611088038.4A CN201611088038A CN106600246A CN 106600246 A CN106600246 A CN 106600246A CN 201611088038 A CN201611088038 A CN 201611088038A CN 106600246 A CN106600246 A CN 106600246A
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China
Prior art keywords
bank card
user
account
information
card
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Pending
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CN201611088038.4A
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Chinese (zh)
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潘伟奇
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Individual
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Individual
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Priority to CN201611088038.4A priority Critical patent/CN106600246A/en
Publication of CN106600246A publication Critical patent/CN106600246A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses an anti-theft method of a bank card, wherein the same bank card is separately bound to at least two accounts, the two accounts comprise a first account and a second account, the first account corresponds to a first user, the second account corresponds to a second user, and the first account and the second account manage the bank card together. The method includes following steps: obtaining information of the bank card, and separately binding the bank card to the first account and the second account, inputting biological characteristic information of the first user for at least twice, and sending the biological characteristic information to a bank card card-issuing bank system; inputting biological characteristic information of the second user for at least twice, and sending the biological characteristic information to the bank card card-issuing bank system; and verifying the biological characteristic information of the first user through a mobile terminal of the first user and verifying the biological characteristic information of the second user through a mobile terminal of the second user during transaction through the bank card. By employing the method, unauthorized use of the bank card can be prevented, and the security of user transaction is effectively improved.

Description

A kind of method of bank card anti-theft
Technical field
The present invention relates to field of computer technology, more particularly to a kind of method of bank card anti-theft.
Background technology
With the popularization of ecommerce, the stolen thing usurped of brushing of bank card emerges in an endless stream, and before this, it is also only office to steal brush It is limited to the credit card, nearly all bank card has nowadays gradually been covered, cause the property loss of holder's great number, how ensures The transaction security of bank card, prevents from stealing the generation that brush usurps event, it appears particularly important.
Chinese patent application 200610117300.3 is disclosed one kind and is prevented from usurping other people bank cards using planar bar code technology Method and apparatus.The method obtains the graphical signature for containing cardholder signature information by Quick Response Code generating means, and Graphically signed using this and make the bank card with anti-theft feature, finally by Quick Response Code signature identification device above-mentioned figure is read Shape is signed and recovers cardholder signature information, used as the foundation whether bank card is stolen.The method is needed bank's blocking Used as the two-dimension code pattern comprising cardholder signature information, production method is complicated, and feasibility is low, and cardholder signature information easily quilt Forge, safety is not high.
Chinese patent application 201010526499.1 discloses a kind of bank card business dealing right management method, and the method passes through Guarantee PIN and bank card number double authentication the legal identity of user, and the bank card business dealing authority of modification is believed The time of breath and the determination modification trading privilege information, as parameter information, calculates trading password, by bank backstage Checking computations to the trading password confirm the legitimacy that the bank card business dealing authority information of modification is originated, so as to according to the modification The trading privilege of bank card described in trading privilege information management.The method is in conventional transaction information i.e. PIN, bank The trading privilege of the bank card is managed on the basis of card number by being calculated trading password, but bank card is easily replicated, The information such as PIN, bank's card number are easily stolen, and the method safety is relatively low, it is impossible to ensure the transaction of bank card well Safety.
The content of the invention
The purpose of the embodiment of the present invention is to provide a kind of method of bank card anti-theft, can prevent the stolen brush of bank card from stealing With effectively increasing customer transaction safety.
For achieving the above object, a kind of method of bank card anti-theft, same bank card are embodiments provided At least two accounts are bound respectively, two accounts are respectively the first account and the second account, the first account corresponds to first user, Second account correspondence second user, the first account and the common management bank's card of the second account.
Compared with prior art, the method for bank card anti-theft disclosed by the invention is by using two accounts (two use Family) common management bank's card technical scheme, solve prior art single account (one) management bank card, security performance is not Height, easily causes bank card and steals the problem that brush is usurped, and can prevent the stolen brush of bank card from usurping, and effectively increases customer transaction safety Property.
As the improvement of such scheme, comprise the steps:
A, acquisition bank card information, and bank card is bound respectively with the first account, the second account.
The biological information of B, at least twice typing first user, and biological information is sent to bank card hair fastener Row system.
The biological information of C, at least twice typing second user, and biological information is sent to bank card hair fastener Row system.
When D, bank card are used to conclude the business, the biological information of first user is verified by the mobile terminal of first user, The biological information of second user is verified by the mobile terminal of second user.Mobile terminal is included but is not limited to:Intelligent handss Machine, panel computer, notebook computer, electronic reader etc..
Used as the improvement of such scheme, bank card information includes credit card issuer, card number, password.
Used as the improvement of such scheme, the first accounts information includes account, identity information, phone number, biological characteristic letter Breath, the second accounts information includes account, identity information, phone number, biological information.
As the improvement of such scheme, step A1 is further included between step A and step B:
User chooses needs bank card business dealing project to be protected.
Used as the improvement of such scheme, bank card business dealing project includes:Bank counter is withdrawn cash, bank counter is transferred accounts, teller Machine is withdrawn cash, automatic teller machine is transferred accounts, network is transferred accounts, shopping at network, shopping of swiping the card, phone are transferred accounts.
Used as the improvement of such scheme, when being transferred accounts by mobile terminal, methods described further includes step E:
E1:Choose bank card to be transferred accounts.
E2:Fund is produced from bank card to be transferred accounts.
E3:The fund reaches reciprocal account and is freezed.
E4:Single money transfer transactions short-term freeze-off time is set.
E5, after freeze-off time, the fund thaws automatically.
Used as the improvement of such scheme, short-term freeze-off time includes 0~20 day.
Used as the improvement of such scheme, biological information includes finger print information and/or iris information.
Used as the improvement of such scheme, first account, the second account bind at least one bank card.
Bank card anti-theft method disclosed by the invention, by using two accounts (two users) same is managed jointly Bank card, when bank card is traded, need to verify the biological information of two users, only when the life for verifying two users When thing characteristic information is matched, bank card ability arm's length dealing, with it, bank card business dealing safety is greatly strengthen, It is effectively prevented bank card robber's brush to usurp, has preferably ensured the property safety of user.
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than the embodiment of whole.It is based on Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made Embodiment, belongs to the scope of protection of the invention.
Description of the drawings
Fig. 1 is the schematic flow sheet of the bank card anti-theft method of embodiment 1;
Fig. 2 is the schematic flow sheet of the bank card anti-theft method of embodiment 2.
Specific embodiment
Embodiment 1
It is the schematic flow sheet of the method for the bank card anti-theft that the present embodiment is provided referring to Fig. 1.The method is same Bank card difference binding first account and the second account, the first account correspondence first user, the second account correspondence second user, the One account and the common management bank's card of the second account.
The method specifically includes following steps:
A, acquisition bank card information, and bank card is bound respectively with the first account, the second account.
The step is used to bind bank card information and the first account, the second account.Specifically, the first account bank card letter Breath includes bank card credit card issuer, card number, password;First accounts information includes account, identity information, phone number, biological characteristic Information, the second accounts information includes account, identity information, phone number, biological information.
The biological information of B, at least twice typing first user, and biological information is sent to bank card hair fastener Row system.
The step is used for the biological information of typing first user.Specifically, biological information is included but is not limited to Finger print information, facial information, iris information, are input into the number of times of biological information at least twice, and here is not particularly limited.Tool When body is implemented, by taking typing finger print information twice as an example, first user is input in the finger print information input frame of the first mobile terminal Finger print information, the remote application of the first mobile terminal records the finger print information, the remote application of the first mobile terminal Prompting user is input into again finger print information, and first user is input into again fingerprint in the finger print information input frame of the first mobile terminal Information, the remote application of the first mobile terminal compares the finger print information that first user is input into twice, if defeated twice The finger print information matching for entering, then store the finger print information, and by the remote application of the first mobile terminal by the fingerprint Information is sent to bank card credit card issuer system.
The biological information of C, at least twice typing second user, and biological information is sent to bank card hair fastener Row system.
The step is used for the biological information of typing second user.Specifically, biological information is included but is not limited to Finger print information, facial information, iris information, are input into the number of times of biological information at least twice, and here is not particularly limited.Tool When body is implemented, by taking typing finger print information twice as an example, second user is input in the finger print information input frame of the second mobile terminal Finger print information, the remote application of the second mobile terminal records the finger print information, the remote application of the second mobile terminal Prompting user is input into again finger print information, and second user is input into again fingerprint in the finger print information input frame of the second mobile terminal Information, the remote application of the second mobile terminal compares the finger print information that second user is input into twice, if defeated twice The finger print information matching for entering, then store the finger print information, and by the remote application of the second mobile terminal by the fingerprint Information is sent to bank card credit card issuer system.
When D, bank card are used to conclude the business, the biological information of first user is verified by the mobile terminal of first user, The biological information of second user is verified by the mobile terminal of second user.
The step is used in bank card business dealing, verify the biological information of first user whether with recorded by step B Enter and send to the biometric information matches of bank card credit card issuer system, while verifying the biological information of second user Whether with by the typing of step C and send to the biometric information matches of bank card credit card issuer system.Specifically, it is biological special Reference breath includes but is not limited to finger print information, facial information, iris information, and when being embodied as, the step needs the biology of checking Characteristic information is consistent with the biological information by step B, the first user of step C typing, second user.With finger print information As a example by, when bank card business dealing, the remote application display reminding information of the first mobile terminal of first user, second user The second mobile terminal remote application display reminding information, the information include bank card number, dealing money believe Breath, fingerprint input frame and negative button;If first user, second user confirm the transaction, in the range of preset time threshold, First user is input into the finger print information of first user by the fingerprint input frame of the first mobile terminal, and second user is moved by second The fingerprint input frame of dynamic terminal is input into the finger print information of second user, then conclude the business successfully.If first user, second user deny this Transaction, then click on negative button and deny the transaction, and the transaction cannot be successful.If first user is not in preset time threshold scope It is interior, the finger print information of first user is input into by the fingerprint input frame of the first mobile terminal, or second user is not when default Between in threshold range, the finger print information of second user is input into by the fingerprint input frame of the second mobile terminal, then the transaction cannot Success.The preset time threshold scope, can set according to practical situation, and here is not particularly limited.
The method of the bank card anti-theft that the present embodiment is provided by the way that bank card and the first account, the second account are bound, First account, the second account correspond to respectively first user, second user, the fingerprint letter by being input into first user, second user Breath, realizes two accounts (two users) and manages same bank card jointly, when bank card is traded, need to verify two The biological information of user, only when the biological information for verifying two users is matched, bank card could be handed over normally Easily, with it, greatly strengthen bank card business dealing
Safety, is effectively prevented bank card robber's brush and usurps, and has preferably ensured the property safety of user.
Embodiment 2
It is the schematic flow sheet of the bank card anti-theft that the present embodiment is provided referring to Fig. 2.The method is same bank card Difference binding first account and the second account, the first account correspondence first user, the second account correspondence second user, the first account With the common management bank's card of the second account.
The method specifically includes following steps:
A, acquisition bank card information, and bank card is bound respectively with the first account, the second account.
The step is used to bind bank card information and the first account, the second account.Specifically, the first account bank card letter Breath includes bank card credit card issuer, card number, password;First accounts information includes account, identity information, phone number, biological characteristic Information, the second accounts information includes account, identity information, phone number, biological information.
A1:User chooses needs bank card business dealing project to be protected.
The step is used to carry out selective protection to bank card business dealing project.Specifically, bank card business dealing project includes silver Row sales counter is withdrawn cash, bank counter is transferred accounts, automatic teller machine is withdrawn cash, automatic teller machine is transferred accounts, network is transferred accounts, shopping at network, swipe the card shopping, phone Transfer accounts.User can choose one or more of bank card business dealing project according to demands of individuals.
The biological information of B, at least twice typing first user, and biological information is sent to bank card hair fastener Row system.
The step is used for the biological information of typing first user.Specifically, biological information is included but is not limited to Finger print information, facial information, iris information, are input into the number of times of biological information at least twice, and here is not particularly limited.Tool When body is implemented, by taking typing finger print information twice as an example, first user is input in the finger print information input frame of the first mobile terminal Finger print information, the remote application of the first mobile terminal records the finger print information, the remote application of the first mobile terminal Prompting user is input into again finger print information, and first user is input into again fingerprint in the finger print information input frame of the first mobile terminal Information, the remote application of the first mobile terminal compares the finger print information that first user is input into twice, if defeated twice The finger print information matching for entering, then store the finger print information, and by the remote application of the first mobile terminal by the fingerprint Information is sent to bank card credit card issuer system.
The biological information of C, at least twice typing second user, and biological information is sent to bank card hair fastener Row system.
The step is used for the biological information of typing second user.Specifically, biological information is included but is not limited to Finger print information, facial information, iris information, are input into the number of times of biological information at least twice, and here is not particularly limited.Tool When body is implemented, by taking typing finger print information twice as an example, second user is input in the finger print information input frame of the second mobile terminal Finger print information, the remote application of the second mobile terminal records the finger print information, the remote application of the second mobile terminal Prompting user is input into again finger print information, and second user is input into again fingerprint in the finger print information input frame of the second mobile terminal Information, the remote application of the second mobile terminal compares the finger print information that second user is input into twice, if defeated twice The finger print information matching for entering, then store the finger print information, and by the remote application of the second mobile terminal by the fingerprint Information is sent to bank card credit card issuer system.
When D, bank card are used to conclude the business, the biological information of first user is verified by the mobile terminal of first user, The biological information of second user is verified by the mobile terminal of second user.
The step is used in bank card business dealing, verify the biological information of first user whether with recorded by step B Enter and send to the biometric information matches of bank card credit card issuer system, while verifying the biological information of second user Whether with by the typing of step C and send to the biometric information matches of bank card credit card issuer system.Specifically, it is biological special Reference breath includes but is not limited to finger print information, facial information, iris information, and when being embodied as, the step needs the biology of checking Characteristic information is consistent with the biological information by step B, the first user of step C typing, second user.With finger print information As a example by, when bank card business dealing, the remote application display reminding information of the first mobile terminal of first user, second user The second mobile terminal remote application display reminding information, the information include bank card number, dealing money believe Breath, fingerprint input frame and negative button;If first user, second user confirm the transaction, in the range of preset time threshold, First user is input into the finger print information of first user by the fingerprint input frame of the first mobile terminal, and second user is moved by second The fingerprint input frame of dynamic terminal is input into the finger print information of second user, then conclude the business successfully.If first user, second user deny this Transaction, then click on negative button and deny the transaction, and the transaction cannot be successful.If first user is not in preset time threshold scope It is interior, the finger print information of first user is input into by the fingerprint input frame of the first mobile terminal, or second user is not when default Between in threshold range, the finger print information of second user is input into by the fingerprint input frame of the second mobile terminal, then the transaction cannot Success.The preset time threshold scope, can set according to practical situation, and here is not particularly limited.
When being transferred accounts by mobile terminal, the method for bank card anti-theft further includes step E:
E1:Choose bank card to be transferred accounts.
E2:Fund is produced from bank card to be transferred accounts.
E3:The fund reaches reciprocal account and is freezed.
E4:Single money transfer transactions short-term freeze-off time is set.
E5, after freeze-off time, the fund thaws automatically.
The step is used for when being transferred accounts by mobile terminal, is freezed the pen and is transferred accounts fund.When being embodied as, user is by choosing Take bank card to be transferred accounts, and " bank capital supervision account " function is opened with the bank card credit card issuer application, the account and the One account, the second account are associated, and after function is opened, provide funds from the bank card transfer, and the fund reaches reciprocal account and enters Row freezes, and arranges single money transfer transactions short-term freeze-off time, and the pen transfers accounts fund after bank of opposite side card account is reached, and the pen turns Funds on account item is frozen, it is impossible to for enchashment, transfers accounts, conclude the business;Freeze-off time can be set to 0~20 day according to practical situation, here It is not particularly limited, when being set to 0, that is, gives tacit consent to immediately to account;After freeze-off time, the fund thaws automatically.
Compared with Example 1, bank card anti-theft method disclosed in the present embodiment needs to protect by increased user and choosing The bank card business dealing project and setting single money transfer transactions short-term two steps of freeze-off time of shield, being chosen by step needs protection Bank card business dealing project, can independently be selected to need trading item to be protected according to individual subscriber demand, make the method more It is intelligent and personalized, more conform to user's request;By step arrange single money transfer transactions short-term freeze-off time, when user not When careful mistake is transferred accounts or meets with swindle, can safely freeze the pen and transfer accounts fund, further improve the peace of customer transaction Quan Xing.
The above is the preferred embodiment of the present invention, it is noted that for those skilled in the art For, under the premise without departing from the principles of the invention, some improvements and modifications can also be made, these improvements and modifications are also considered as Protection scope of the present invention.

Claims (10)

1. a kind of method of bank card anti-theft, it is characterised in that same bank card binds respectively at least two accounts, described Two accounts are respectively the first account and the second account, the first account correspondence first user, the second account correspondence the Two users, first account manages the bank card jointly with second account.
2. the method for claim 1, it is characterised in that comprise the steps:
A, acquisition bank card information, and the bank card is bound respectively with the first account, the second account;
The biological information of B, at least twice typing first user, and the biological information is sent to the bank card Credit card issuer system;
The biological information of C, at least twice typing second user, and the biological information is sent to the bank card Credit card issuer system;
When D, the bank card are used to conclude the business, the biological information of first user is verified by the mobile terminal of first user, The biological information of second user is verified by the mobile terminal of second user.
3. method as claimed in claim 2, it is characterised in that the bank card information includes credit card issuer, card number, password.
4. the method for claim 1, it is characterised in that first accounts information includes account, identity information, mobile phone Number, biological information;Second accounts information includes account, identity information, phone number, biological information.
5. method as claimed in claim 2, it is characterised in that further include step between step A and step B A1:
User chooses needs bank card business dealing project to be protected.
6. method as claimed in claim 5, it is characterised in that the bank card business dealing project includes:Bank counter is withdrawn cash, silver Row sales counter is transferred accounts, automatic teller machine is withdrawn cash, automatic teller machine is transferred accounts, network is transferred accounts, shopping at network, shopping of swiping the card, phone are transferred accounts.
7. method as claimed in claim 6, it is characterised in that when being transferred accounts by mobile terminal, methods described is further included Step E:
E1:Choose bank card to be transferred accounts;
E2:Fund is produced from bank card to be transferred accounts;
E3:The fund reaches reciprocal account and is freezed;E4:Single money transfer transactions short-term freeze-off time is set;
E5, after freeze-off time, the fund thaws automatically.
8. method as claimed in claim 7, it is characterised in that the short-term freeze-off time includes:0~20 day.
9. method as claimed in claim 2, it is characterised in that the biological information includes finger print information and/or iris Information.
10. the method for claim 1, it is characterised in that first account, the second account bind at least one bank Card.
CN201611088038.4A 2016-12-01 2016-12-01 Anti-theft method of bank card Pending CN106600246A (en)

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Application Number Priority Date Filing Date Title
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Application Number Priority Date Filing Date Title
CN201611088038.4A CN106600246A (en) 2016-12-01 2016-12-01 Anti-theft method of bank card

Publications (1)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110084612A (en) * 2019-04-28 2019-08-02 广东小天才科技有限公司 Payment method, device, terminal and storage medium based on mobile terminal
CN111626862A (en) * 2020-05-21 2020-09-04 重庆耀嵘照明有限公司 Online charging system applied to smart city
CN112132586A (en) * 2020-09-29 2020-12-25 中国银行股份有限公司 Bank account security control method and device

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104537536A (en) * 2015-01-26 2015-04-22 汪风珍 Double-card or multi-card one-account bank card for large-amount financial transaction

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104537536A (en) * 2015-01-26 2015-04-22 汪风珍 Double-card or multi-card one-account bank card for large-amount financial transaction

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110084612A (en) * 2019-04-28 2019-08-02 广东小天才科技有限公司 Payment method, device, terminal and storage medium based on mobile terminal
CN111626862A (en) * 2020-05-21 2020-09-04 重庆耀嵘照明有限公司 Online charging system applied to smart city
CN112132586A (en) * 2020-09-29 2020-12-25 中国银行股份有限公司 Bank account security control method and device

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Application publication date: 20170426