CN1280347A - Credit card security system - Google Patents
Credit card security system Download PDFInfo
- Publication number
- CN1280347A CN1280347A CN 00120914 CN00120914A CN1280347A CN 1280347 A CN1280347 A CN 1280347A CN 00120914 CN00120914 CN 00120914 CN 00120914 A CN00120914 A CN 00120914A CN 1280347 A CN1280347 A CN 1280347A
- Authority
- CN
- China
- Prior art keywords
- applicant
- card
- initialization
- setting
- consumption
- 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
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The credit card security system includes one setting subsystem, one electronic subsystem and one setting prescription, the setting subsystem is used to input the basic data of the applicant, the electronic subsystem is used to check through automatic dialing the cellular phone in the basic data according to phonetic limit of money sum the bank sets, and the setting prescription sets one free phone number for dialing. The system of present invention makes the use of credit card in the authorization of the applicant wholly, and is simple and reliable.
Description
The present invention relates to a kind of credit card security system, especially a kind of such credit card security system, it can be according to credit card application person's set data, in consumption, electronic system and inquiry system inquiry are automatically checked, and avoid stolen danger to guarantee credit card.
Credit card can avoid the consumer and carry a large amount of cashes, and causes cash to lose and the trouble of carrying, and in addition, when helping consuming, need not can enjoy equal consumption guarantee immediately with the transaction of cash.Obviously, in the epoch of one card in hand, significantly improved the ability of consumer spending.To the general use of credit card today,, say relatively that credit card also can be because of the attendant crossing card simultaneously though reach its convenience really, and the danger of being stolen brush; Or suffer illegal personage to assume another's name to use to duplicate the means of usurping, and make the applicant do not had absurd inflammation not clearly, therefore, when the enjoyment credit card offers convenience, also must take precautions against suffering danger stolen and that steal brush.
The object of the present invention is to provide a kind of credit card protection system, utilization is by the protection setting of initialization system, electronic system, inquiry system and setting timeliness, through the basic document inward entry of initialization system with the applicant, cooperate checking on automatically of electronic system, or enter in the inquiry system automatically by the applicant, and the answer of checking applicant's basic document is certain, could cross and block successfully; And also can set electricity the notice time of system, can make things convenient for the applicant to stop words or fault, and anti-electronic system can't have been notified the applicant, and can't swipe the card because of telephone number through setting timeliness; And after the setting time that timeliness limited surpasses, can reply the protection operation of this electronic system immediately.
For achieving the above object, the present invention is a kind of credit card security system, comprises an initialization system, an electronic system and a setting timeliness, wherein:
This initialization system is used to input applicant's basic document: the voice amount of money that Mobile Directory Number, sound are included, password and bank set; Wherein, when sound is included and initiatively opened card for the applicant, be about to sound and include to initialization system;
This electronic system is limiting with the voice amount of money of bank's setting in the initialization system, and automatically according to the notice of the mobile phone dialing in applicant's basic document, as the line of checking on, and the basic document of applicant's input of cooperation initialization system, as checking foundation, and the decision success or not of swiping the card;
This setting timeliness is set with one and exempts from the pay phone number; can allow applicant's dialing enter the transit time of setting electronic system in this setting timeliness; can be convenient to the applicant because of the fault of mobile phone or stop words; and can't swipe the card; promptly enter the general consumption program of swiping the card; and after the setting-up time of setting timeliness surpasses, reply the protection operation of this electronic system immediately.
A kind of credit card security system comprises that by an initialization system and an inquiry system, this guarantees that system consumes at phone; Wherein:
This initialization system is used to input applicant's basic document: Mobile Directory Number, home telephone number, sound are included, ID sign indicating number, password, and one of the qualification consumption stroke count set of bank; Wherein, when sound is included and initiatively opened card for the applicant, be about to sound and include to initialization system;
This inquiry system is set with one and exempts from the pay phone number, the applicant in consumption before, the applicant only can with arbitrary number in Mobile Directory Number in the initialization system and the home telephone number initiatively dialing enter this inquiry system and inform consumption is moved, and input card number and password, and cooperate the basic document of applicant's input of initialization system by this inquiry system, as the foundation of checking, and whether decision can swipe the card.
Advantage of the present invention is the functional defect that overcomes existing credit card protection system, and the use of credit card is placed under applicant's the mandate fully, and it is simple that this credit card protection system has system, the characteristics of good reliability.Can help credit card to utilize widely actually, can stop, take precautions against the danger that credit card is usurped effectively.
Description of drawings is as follows:
Fig. 1 is an embodiments of the invention process flow diagram one;
Fig. 2 is the embodiments of the invention flowchart 2s;
Fig. 3 is the embodiments of the invention flow chart 3s.
Now contrast description of drawings most preferred embodiment of the present invention.
See also Fig. 1,2, embodiment process flow diagram (), (two) for a kind of credit card protection system of the present invention, it comprises a system 10, an electronic system 20 and a setting timeliness 30, wherein: this initialization system 10 is used as input applicant's basic document: behind Mobile Directory Number, pronunciation is included, password and bank set the voice amount of money, promptly carry out the hair fastener operation 2 of bank, wherein, it is when initiatively opening card for the applicant that sound is included, and is about to sound and includes to initialization system 10; This electronic system 20 is limiting of the voice amount of money set with bank in the initialization system 10, and as the line of checking on automatically, and cooperates the basic document of applicant's input of initialization system 10, as checking foundation, and the decision success or not of swiping the card; This setting timeliness 30 is set with one and exempts from the pay phone number, can allow applicant's dialing enter in this setting timeliness 30, sets the transit time of electronic system 20, and after the timeliness that sets, replys the protection operation of this electronic system 20 immediately.
Its step is, with the regulation application credit card 1 of applicant according to bank, and in the time of application 1, enters initialization system 10 input applicants' the basic document and the setting of bank, and checked by bank and to carry out hair fastener operation 2; After the applicant finishes Kai Ka and sound and includes 3, and the applicant is when consumption contains consumption on network 4, and the amount of money of its consumption is if surpass the voice amount of money that bank sets in the initialization system 10, and electronic system 20 promptly can be notified according to applicant's mobile phone dialing automatically, and can't the caller, the failure 5 of promptly swiping the card; Smooth caller, 20 of electronic systems can be inquired applicant's the password and the consumption amount of money, and whether check 6 applicants' basic document, vocal print comparison one by one certain with the consumption amount of money, if consistent person, promptly this credit card is by use that the applicant consumes, the success 9 of then can swiping the card smoothly; If check 6 when inconsistent, the failure 7 of then swiping the card, this card promptly suffers refusal to use 8.Action suffers refusal to use 8 continuous three persons if this is swiped the card, and bank handles this card automatically to report the loss 81.
More than be the applicant in consumption, when its consumption amount of money surpassed the voice amount of money that bank sets in the initialization system 10, electronic system 20 was done the assurance of checking on automatically immediately.Obviously, in when consumption, if its consumption amount of money is when surpassing the voice amount of money that bank sets in the initialization system 10, and the protection that the program of swiping the card promptly need not be checked on automatically by electronic system 20 can be swiped the card smoothly.In addition; avoid the inquiry of checking on of electronic system 20 for anti-appropriator; and the consumption amount of money in continuity ground does not surpass the voice amount of money that bank sets, the danger of the success 9 of but successfully swiping the card, therefore; electronic system 20 also can not surpass the voice amount of money that bank sets in the initialization system 10 because of consumption amount of money continuation; and when swiping the card smoothly, at this moment, electronic system 20 also can be opened automatically; to enter in the assurance system of checking on, to make more thorough ground safeguard measure.
This credit card security system is for defining with bank was limited in the initialization system 10 the voice amount of money, therefore, the consumption amount of money is if surpass the qualification of this voice amount of money, electronic system 20 promptly can be notified according to applicant's mobile phone dialing automatically, at this moment, if it is logical that applicant's mobile phone can't pull out, then can't swipe the card the failure 5 of promptly swiping the card.So, the applicant breaks down for the prevention mobile phone or does not have, and can't swipe the card smoothly, the applicant can 41 dialings enter the setting timeliness 30 of exempting from the pay phone number before consumption, after the identity of determining the applicant, set up the time that electronic system 20 opens and closes on their own, the applicant swiped the card 91 o'clock in consumption, promptly need not be via the assurance of checking on of electronic system 20, and enter general consumption 91 programs of swiping the card.And after the time that in setting timeliness 30, sets by the applicant, then can reply the protection operation of this electronic system 20 immediately.
See also Fig. 3, it is another state embodiment process flow diagram of a kind of credit card security system of the present invention, comprise an initialization system 10 ' and inquiry system 20 ', this assurance system mainly is at phone consumption and establish; Wherein: this initialization system 10 ' be used to import applicant's basic document; One of the qualification consumption stroke count that Mobile Directory Number, home telephone number, sound are included, password and bank set; Wherein, when sound is included and is initiatively opened card for the applicant, be about to sound include to initialization system 10 ' in; This inquiry system 20 ' be set with one to exempt from the pay phone number, the applicant is in phone consumption preceding 4, the applicant only can with initialization system 10 ' in Mobile Directory Number and the home telephone number in arbitrary number initiatively dialing enter this inquiry system 20 ' inform with consumer behavior, and input card number and password, and by this inquiry system 20 ' cooperation initialization system 10 ' the basic document of applicant input, as the foundation of checking, and whether decision can swipe the card.
Its step is, with the applicant according to the regulation application credit card 1 of bank ', and in 1 ' time of application, enter initialization system 10 ' input applicant's basic document and qualification that bank sets and consume one of stroke count, and by bank check carry out hair fastener operation 2 '; Finish Kai Ka and sound through the applicant and include 3 ' after, (containing consumption on network) 4 before phone consumption, the applicant only can with initialization system 10 ' in Mobile Directory Number and the home telephone number in arbitrary number initiatively dialing enter this inquiry system 20 ' inform consumption is moved, promptly cooperate the qualification that initialization system 10 ' middle bank sets to consume one of stroke count, just can carry out bankcard consumption, before promptly being each consumption, initiatively dialing enters inquiry system 20 ' interior and just can swipe the card.Simultaneously, the applicant promptly inputs card number and password, and by this inquiry system 20 ' cooperation initialization system 10 ' the basic document of applicant input, as the foundation of checking, if check 5 ' consistent person, promptly be that this credit card is by use that the applicant consumes, then can swipe the card 8 '; If check 5 ' when inconsistent, then inform to swipe the card 6 ', this card promptly suffer refusal use 7 '.By this, can before not swiping the card, absolute assurance system be arranged promptly.And utilize this assurance system can stop, take precautions against the stolen danger of credit card effectively, dimension card holder's rights and interests.
Claims (3)
1, a kind of credit card security system is characterized in that: comprise an initialization system, an electronic system and a setting timeliness, wherein:
This initialization system is used to input applicant's basic document: the voice amount of money that Mobile Directory Number, sound are included, password and bank set; Wherein, when sound is included and initiatively opened card for the applicant, be about to sound and include to initialization system;
This electronic system is limiting with the voice amount of money of bank's setting in the initialization system, and automatically according to the notice of the mobile phone dialing in applicant's basic document, as the line of checking on, and the basic document of applicant's input of cooperation initialization system, as checking foundation, and the decision success or not of swiping the card;
This setting timeliness is set with one and exempts from the pay phone number; can allow applicant's dialing enter the transit time of setting electronic system in this setting timeliness; can be convenient to the applicant because of the fault of mobile phone or stop words; and can't swipe the card; promptly enter the general consumption program of swiping the card; and after the setting-up time of setting timeliness surpasses, reply the protection operation of this electronic system immediately.
2, a kind of credit card security system is characterized in that: comprise that by an initialization system and an inquiry system, this guarantees that system consumes at phone; Wherein:
This initialization system is used to input applicant's basic document: Mobile Directory Number, home telephone number, sound are included, ID sign indicating number, password, and one of the qualification consumption stroke count set of bank; Wherein, when sound is included and initiatively opened card for the applicant, be about to sound and include to initialization system;
This inquiry system is set with one and exempts from the pay phone number, the applicant in consumption before, the applicant only can with arbitrary number in Mobile Directory Number in the initialization system and the home telephone number initiatively dialing enter this inquiry system and inform consumption is moved, and input card number and password, and cooperate the basic document of applicant's input of initialization system by this inquiry system, as the foundation of checking, and whether decision can swipe the card.
3, a kind of credit card security system as claimed in claim 1; It is characterized in that: this electronic system can not surpass the voice amount of money that bank sets in the initialization system for several times because of the consumption amount of money, and electronic system is opened automatically, enters in the assurance system of checking on.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 00120914 CN1280347A (en) | 2000-08-01 | 2000-08-01 | Credit card security system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 00120914 CN1280347A (en) | 2000-08-01 | 2000-08-01 | Credit card security system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1280347A true CN1280347A (en) | 2001-01-17 |
Family
ID=4588474
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 00120914 Pending CN1280347A (en) | 2000-08-01 | 2000-08-01 | Credit card security system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1280347A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101203874A (en) * | 2005-03-04 | 2008-06-18 | P·巴雷 | Method for making secure a transaction with a payment card, and center for authorizing implementation of said method |
| CN102110328A (en) * | 2009-12-24 | 2011-06-29 | 黄金富 | Credit-card unlocking system and method by which credit card can be swiped once only after incoming phone call of cardholder is received |
| CN103971238A (en) * | 2014-05-14 | 2014-08-06 | 刘家猛 | System for preventing credit card from being swiped unauthorizedly |
| CN113191874A (en) * | 2021-04-30 | 2021-07-30 | 中国银行股份有限公司 | Credit card activation method, system and terminals based on 5G message and voiceprint recognition |
-
2000
- 2000-08-01 CN CN 00120914 patent/CN1280347A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101203874A (en) * | 2005-03-04 | 2008-06-18 | P·巴雷 | Method for making secure a transaction with a payment card, and center for authorizing implementation of said method |
| CN102110328A (en) * | 2009-12-24 | 2011-06-29 | 黄金富 | Credit-card unlocking system and method by which credit card can be swiped once only after incoming phone call of cardholder is received |
| CN103971238A (en) * | 2014-05-14 | 2014-08-06 | 刘家猛 | System for preventing credit card from being swiped unauthorizedly |
| CN113191874A (en) * | 2021-04-30 | 2021-07-30 | 中国银行股份有限公司 | Credit card activation method, system and terminals based on 5G message and voiceprint recognition |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US7229006B2 (en) | Systems and methods for remote account control | |
| US20030009426A1 (en) | Methods and apparatus for protecting against credit card fraud, check fraud, and identity theft | |
| US7430287B2 (en) | System and method for detecting unauthorized access using a voice signature | |
| CN101291329A (en) | Method for network on-line payment double authentication by telephone and identifying card | |
| LA et al. | FINANCIAL FRAUD: CONCEPTS AND CATEGORIES | |
| CN104992324A (en) | Service processing method of self-service device and service processing system of self-service device | |
| CN104715371A (en) | Safe payment method adopting voiceprint to identify identity and corresponding system | |
| CN102663642A (en) | Financial transaction verification method and system thereof | |
| JP2007087081A (en) | Financial transaction system | |
| CN1435985A (en) | Dynamic cipher safety system and dynamic cipher generating method | |
| CN101964090A (en) | Unionpay payment system and method for respectively authenticating identity and payment amount by using double cards | |
| US20070034685A1 (en) | Real-time verification of a transaction by its initiator | |
| CN101872513A (en) | Data processing method, device and system based on POS (Point-Of-Sale) machine | |
| CN1280347A (en) | Credit card security system | |
| WO2012135618A1 (en) | Method and system for enabling transaction card security | |
| KR20060109562A (en) | Method for approving a settlement of a financetransaction depend on an outsider | |
| CN101853545A (en) | Anti-theft method and anti-theft system for bank transaction terminal | |
| CN1642273A (en) | Digital image POS system | |
| CN1560801A (en) | Disposable cipher protection careless electronic transaction payment method | |
| CN102968853A (en) | Monitoring and management system for preventing burglar swiping of bank card | |
| CN103544634A (en) | Similar ATT (automatic transfer of title) business value adding method on basis of Unionpay POS (point-of-sale) system | |
| CN115801360B (en) | Information security protection method based on real-name information package and real-name information security protection method | |
| KR20000024353A (en) | Method and process for unifying the use of multiple subscriber cards or identification tools | |
| KR20010091537A (en) | Intelligent Illegal Credit Transaction Protection Method | |
| Shaw | Voice verification—Authenticating remote users over the telephone |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |