CN114760315A - Method for comprehensively solving security of bank card end to end - Google Patents
Method for comprehensively solving security of bank card end to end Download PDFInfo
- Publication number
- CN114760315A CN114760315A CN202210111942.1A CN202210111942A CN114760315A CN 114760315 A CN114760315 A CN 114760315A CN 202210111942 A CN202210111942 A CN 202210111942A CN 114760315 A CN114760315 A CN 114760315A
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- Prior art keywords
- payment
- bank card
- transaction
- bank
- mobile phone
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- 238000000034 method Methods 0.000 title claims abstract description 48
- 238000012546 transfer Methods 0.000 claims abstract description 36
- 238000012790 confirmation Methods 0.000 claims abstract description 18
- 238000012795 verification Methods 0.000 claims description 3
- 230000004075 alteration Effects 0.000 description 1
- 238000013475 authorization Methods 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000001010 compromised effect Effects 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
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Classifications
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/10—Protocols in which an application is distributed across nodes in the network
- H04L67/104—Peer-to-peer [P2P] networks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/073—Special arrangements for circuits, e.g. for protecting identification code in memory
- G06K19/07309—Means for preventing undesired reading or writing from or onto record carriers
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, 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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/10—Protocols in which an application is distributed across nodes in the network
- H04L67/104—Peer-to-peer [P2P] networks
- H04L67/1074—Peer-to-peer [P2P] networks for supporting data block transmission mechanisms
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Security & Cryptography (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Computer Hardware Design (AREA)
- Signal Processing (AREA)
- General Engineering & Computer Science (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to the technical field of mobile phone payment, and discloses a comprehensive end-to-end method for solving the security of a bank card, which comprises mobile phone security information confirmation and bank mobile phone APP face recognition; the mobile phone safety information confirmation comprises the following procedures: the method comprises the following steps: and applying for transactions such as cash withdrawal, account transfer, payment and the like by using the bank card. Before the processes of cash withdrawal, account transfer and payment of the bank card are completed, a bank system sends confirmation information comprising time, place, amount and a reserved mobile phone number given to a cardholder for use, the cardholder checks the information, the transaction can be completed only by replying confirmation transaction, and if the transaction is illegal, the cardholder rejects the transaction or is uncertain, the transaction can not be completed, so that the property safety of the cardholder can be effectively ensured.
Description
Technical Field
The invention relates to the technical field of mobile phone payment, in particular to a comprehensive end-to-end method for solving the security of a bank card.
Background
After the bank card withdraws cash, transfers money and pays, the bank system sends a piece of prompt information to the reserved mobile phone number of the card holder for the card holder to check, but the processes of withdrawal, transfer money and payment are finished at the moment. Even if cash withdrawal, transfer and payment operated by non-self or non-self authorization occur, the cardholder has no means to immediately stop and recover the loss.
Bank cards may encounter a number of security problems during use:
(1) when a cardholder uses a bank card, if the bank card is copied and a password is stolen, the bank card of the cardholder faces the safety problems of cash withdrawal, account transfer and payment;
(2) the cardholder leaves the bank card unused and is maliciously used by others, possibly causing the cardholder's personal credit to be compromised.
Disclosure of Invention
Technical problem to be solved
The invention provides a comprehensive end-to-end method for solving the security of a bank card, has the advantages of avoiding the loss of the bank card and the like, and solves the problems in the background art.
(II) technical scheme
The invention provides the following technical scheme: a comprehensive end-to-end method for solving the security of a bank card comprises mobile phone security information confirmation and bank mobile phone APP face recognition;
The mobile phone safety information confirmation comprises the following processes:
the method comprises the following steps: applying for transactions such as cash withdrawal, account transfer, payment and the like by using a bank card;
step two: when the bank card is used for payment, the payment password is verified, when the password is verified successfully, the next operation is carried out, and when the password is verified unsuccessfully, the processes of cash withdrawal, account transfer and payment of the bank card with transaction failure are stopped;
step three: when the password is successfully verified, the bank sends confirmation information to the cardholder to reserve a mobile phone number, so that the operator confirms the transaction information;
step four: when the information is confirmed, the transaction is successful, the bank system completes the processes of cash withdrawal, account transfer and payment, and when the transaction information is not confirmed, the processes of cash withdrawal, account transfer and payment of the bank card with failed transaction are stopped.
Preferably, the bank mobile phone APP face recognition comprises the following processes:
the method comprises the following steps: applying for transactions such as cash withdrawal, account transfer, payment and the like by using a bank card;
step two: when the bank card is used for payment, the payment password is verified, when the password is verified successfully, the next operation is carried out, and when the password is verified unsuccessfully, the processes of cash withdrawal, account transfer and payment of the bank card with transaction failure are stopped;
Step three: when the password is successfully verified, the cardholder must open the mobile phone APP of the bank card, the APP will submit transaction information to remind whether to confirm or not, the confirmation is not carried out, and the processes of cash withdrawal, account transfer and payment of the bank card are stopped when the transaction fails;
step four: after the information is confirmed, the APP performs face recognition, and when the face recognition is not passed or accepted, the processes of cash withdrawal, account transfer and payment of the bank card which fails in transaction are stopped;
step five: and after the face recognition verification is passed, the bank system completes the processes of cash withdrawal, account transfer and payment.
(III) advantageous effects
The invention has the following beneficial effects:
1. before the processes of cash withdrawal, account transfer and payment of the bank card are completed, a bank system sends confirmation information (comprising time, place, amount of money and application) to a reserved mobile phone number of a card holder, the card holder checks the information, the confirmation transaction must be replied, the transactions of cash withdrawal, account transfer and payment of the bank card can be completed, if illegal transaction is carried out, the card holder rejects the transaction or does not determine the transaction, the transaction cannot be completed, and the property safety of the card holder can be effectively ensured.
2. The comprehensive end-to-end method for solving the security of the bank card can effectively intercept problem transfer accounts, so that the security of account numbers is greatly guaranteed, and meanwhile, the accidental loss of properties can be avoided.
Drawings
FIG. 1 is a schematic view of the structure of the present invention;
FIG. 2 is a schematic view of the structure of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1-2, a comprehensive end-to-end method for solving security of a bank card includes mobile phone security information confirmation and bank mobile phone APP face recognition;
the mobile phone safety information confirmation comprises the following procedures:
the method comprises the following steps: applying for transactions such as cash withdrawal, account transfer, payment and the like by using a bank card;
step two: when the bank card is used for payment, the payment password is verified, when the password is verified successfully, the next operation is carried out, and when the password is verified unsuccessfully, the processes of cash withdrawal, account transfer and payment of the bank card with transaction failure are stopped;
Step three: when the password is successfully verified, the bank sends confirmation information to the cardholder to reserve a mobile phone number, so that the operator confirms the transaction information;
step four: when the information is confirmed, the transaction is successful, the bank system completes the processes of cash withdrawal, account transfer and payment, and when the transaction information is not confirmed, the processes of cash withdrawal, account transfer and payment of the bank card with failed transaction are stopped.
Further, bank cell-phone APP face identification includes the following flow:
the method comprises the following steps: applying for transactions such as cash withdrawal, account transfer, payment and the like by using a bank card;
step two: when the bank card is used for payment, the payment password is verified, when the password is verified successfully, the next operation is carried out, and when the password is verified unsuccessfully, the processes of cash withdrawal, account transfer and payment of the bank card with transaction failure are stopped;
step three: when the password is successfully verified, the cardholder must open the mobile phone APP of the bank card, the APP will submit transaction information to remind whether to confirm or not, the confirmation is not carried out, and the processes of cash withdrawal, account transfer and payment of the bank card are stopped when the transaction fails;
step four: after the information is confirmed, the APP performs face recognition, and when the face recognition is not passed or accepted, the processes of cash withdrawal, account transfer and payment of the bank card which fails in transaction are stopped;
Step five: and after the face recognition verification is passed, the bank system completes the processes of cash withdrawal, account transfer and payment.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that various changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (2)
1. A comprehensive end-to-end method for solving the security of a bank card is characterized by comprising mobile phone security information confirmation and bank mobile phone APP face recognition;
the mobile phone safety information confirmation comprises the following processes:
the method comprises the following steps: applying for transactions such as cash withdrawal, account transfer, payment and the like by using a bank card;
step two: when the bank card is used for payment, the payment password is verified, when the password is verified successfully, the next operation is carried out, and when the password is verified unsuccessfully, the processes of cash withdrawal, account transfer and payment of the bank card with transaction failure are stopped;
step three: when the password is successfully verified, the bank sends confirmation information to the cardholder to reserve a mobile phone number, so that the operator confirms the transaction information;
Step four: and after the information is confirmed, the transaction is successful, the bank system completes the processes of cash withdrawal, account transfer and payment, and when the transaction information is not confirmed, the processes of cash withdrawal, account transfer and payment of the bank card with transaction failure are stopped.
2. The method for solving the security of the bank card comprehensively end-to-end according to claim 1 is characterized in that: the bank mobile phone APP face recognition method comprises the following processes:
the method comprises the following steps: applying for transactions such as cash withdrawal, account transfer, payment and the like by using a bank card;
step two: when the bank card is used for payment, the payment password is verified, when the password is verified successfully, the next operation is carried out, and when the password is verified unsuccessfully, the processes of cash withdrawal, account transfer and payment of the bank card with transaction failure are stopped;
step three: when the password is successfully verified, the cardholder must open the mobile phone APP of the bank card, the APP will submit transaction information to remind whether to confirm or not, the confirmation is not carried out, and the processes of cash withdrawal, account transfer and payment of the bank card are stopped when the transaction fails;
step four: after the information is confirmed, the APP performs face recognition, and when the face recognition is not passed or accepted, the processes of cash withdrawal, account transfer and payment of the bank card which fails in transaction are stopped;
Step five: and after the face recognition verification is passed, the bank system completes the processes of cash withdrawal, account transfer and payment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210111942.1A CN114760315A (en) | 2022-01-28 | 2022-01-28 | Method for comprehensively solving security of bank card end to end |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210111942.1A CN114760315A (en) | 2022-01-28 | 2022-01-28 | Method for comprehensively solving security of bank card end to end |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN114760315A true CN114760315A (en) | 2022-07-15 |
Family
ID=82325477
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202210111942.1A Pending CN114760315A (en) | 2022-01-28 | 2022-01-28 | Method for comprehensively solving security of bank card end to end |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN114760315A (en) |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2009101496A1 (en) * | 2008-02-12 | 2009-08-20 | Wijetunge Harold Prianne Anura | Transfer of cash from one mobile phone user to another mobile phone user with instant access to the withdrawal and pay out of cash |
| CN102637273A (en) * | 2011-02-09 | 2012-08-15 | 周锡卫 | Safe real-time bank payment system and method |
| CN103186857A (en) * | 2011-12-31 | 2013-07-03 | ***股份有限公司 | Bank card payment method and system |
| WO2014146286A1 (en) * | 2013-03-22 | 2014-09-25 | Wong Hoiling | Secure payment system and method for bank card by using real-time communication |
| CN105303439A (en) * | 2015-05-11 | 2016-02-03 | 罗卫东 | Bank system adopting human face recognition to enter account and confirming service through fingerprint |
-
2022
- 2022-01-28 CN CN202210111942.1A patent/CN114760315A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2009101496A1 (en) * | 2008-02-12 | 2009-08-20 | Wijetunge Harold Prianne Anura | Transfer of cash from one mobile phone user to another mobile phone user with instant access to the withdrawal and pay out of cash |
| CN102637273A (en) * | 2011-02-09 | 2012-08-15 | 周锡卫 | Safe real-time bank payment system and method |
| CN103186857A (en) * | 2011-12-31 | 2013-07-03 | ***股份有限公司 | Bank card payment method and system |
| WO2014146286A1 (en) * | 2013-03-22 | 2014-09-25 | Wong Hoiling | Secure payment system and method for bank card by using real-time communication |
| CN105303439A (en) * | 2015-05-11 | 2016-02-03 | 罗卫东 | Bank system adopting human face recognition to enter account and confirming service through fingerprint |
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