CN1501262A

CN1501262A - Method for choosing confirmation when bank account being in service

Info

Publication number: CN1501262A
Application number: CNA021519285A
Authority: CN
Inventors: 黄金富
Original assignee: Individual
Current assignee: Individual
Priority date: 2002-11-13
Filing date: 2002-11-13
Publication date: 2004-06-02

Abstract

The invention discloses a method for preventing the illegal use of bank accounts during the transaction of the bank accounts, wherein when transactions are conducted on the bank account, such as deposit, withdrawal, account transfer and overdraft, etc., the bank computer bookkeeping system can transfer the transaction information of the back account to the transaction signal transfer center for transmitting, which is received by the real right holder of the bankcards by means of the closing account receiver, thus the holder can be aware of the transaction action that is going on, then corresponding measures can be taken to prevent the unlawful trading from happening.

Description

Select the method for affirmation when business takes place bank account

TECHNICAL FIELD OF THE INVENTION

The present invention relates to that the bank account generation balance of deposits increases or reduce and may cause basic right people debt professional the time, comprise deposit, withdraw the money, transfer accounts bank account, consumption and overdraft of credit card etc., by the banking computer accounting system Transaction Information of bank account being transported to the buying signals retransmission center forwards, the basic right people utilizes the receiver of checking out to receive, knowing immediately has above-mentioned trading activity to take place, thereby can take measures, end the illegal transaction behavior, in order to a kind of method that prevents that bank account from illegally being used.

The technical background of invention

In present society, it is professional that bank account can utilize many modern telecommunication instruments to take place, and as POS machine, ATM, Web bank, telephone bank or the like, provides great convenience to people.

But, owing to modern bank account is to be based upon on the basis of hyundai electronics computing machine and modern communications technology to grow up.Under the support of these technology, any secret measure is all used hyundai electronics, computing machine and mechanics of communication to decode, forge and destroy by illegal person unavoidably.Particularly arrive today of on national network even global service when the bank account business development, this risk is just bigger, and problem is just more serious.For example:

Losing of bank account interrelated data and being falsely used in bank by the people, or interrelated datas such as credit card number and password are stolen makes illegal person make puppet and is stuck in and carries out enchashment or account transfer on the bank account, and basic right people or collecting company or bank are sustained a loss.

In addition,, deposit cash in or change fund over to, the basic right people is suffered damage so that the basic right people is bribed or frames up to basic right people's bank account because present many bribers are under the unwitting situation of bank account basic right people.Therefore, also be very necessary to utilizing bank account to deposit cash in or change that fund controls over to basic right people's account.

The development of mechanics of communication now provides possibility as mobile phone, landline telephone, beeper, popularizing to people in time obtain various information of internet.

Goal of the invention

The objective of the invention is in order to overcome the above problems.The present invention proposes a kind of " selecting the method for affirmation when business takes place bank account ".As the basic right people of bank account, even do not realizing that the bank account interrelated data is stolen, and when being used by other people, also can know immediately, whether illegally used to judge, thereby can be taken an immediate action the computer accounting system of notifying bank, prevent illegal transaction immediately, refuse this transaction, end this bank account and use, make basic right people's loss reduce to minimum, make the loss of relevant departments such as bank also reduce to minimum, reduce or prevent the activity of this commercial case.

Summary of the invention

The present invention is based on the development of The present computer technology and modern communications technology.

This instructions will carry out miscellaneous service on bank account behavior is called trading activity, above-mentioned trading activity can be bank account deposit, withdraw the money, consume, the behavior of account transfer and overdraft of credit card.Bank account all needs to send signal by certain instrument to the banking computer accounting system when especially business takes place the account of Private Banking, in this instructions these instruments is referred to as the buying signals generator or abbreviates transaction generator as.

Be the convenience in the statement, this instructions will be referred to as bank account personal account that unit opened and the account of unit that each commercial bank, urban credit cooperative, rural credit cooperative, postal saving etc. are taken deposits.Bank account can be the account who the account of bank card is arranged and do not have bank card.

Method of the present invention mainly comprises the steps:

When business takes place in aforementioned bank account, will start the computer accounting system of corresponding bank simultaneously, this computer accounting system by the transmitted radio signal mode utilize telephone wire or wire transmission mode by cable with the occurent information of trading activity, in conjunction with the check out password address of receiver of basic right people, be transferred to the buying signals retransmission center, the buying signals retransmission center is immediately with the mode of information such as trading activity by appointment, be forwarded on the receiver of checking out that the basic right people makes an appointment, the basic right people utilizes the receiver of checking out that carry or that receive these signals at one's side specially to receive that in real time the occurent signal of the trading activity that relates to me is arranged now, the basic right people is according to the trading activity signal of receiving, whether can make immediately needs the judgement of taking measures.The behavior that the basic right people can be recognized or refuse on the receiver of checking out immediately by the mode of making an appointment, also can be by the mode of making an appointment with bank, as in the time of appointment, for example in 2 minutes or 3 minutes, the basic right people does not do any reaction, promptly agrees this transaction.When the basic right people thinks that this trading activity is when illegally using, can utilize check out receiver or other communication tool such as Advise By Wire corresponding calculated machine accounting system at once, computer accounting system in time feeds back to the trading activity nidus, make that bank account makes that refusal is deposited, withdraws the money, transferred accounts, the behavior of consumption or overdraft of credit card, thereby prevent from illegally to use the generation of bank account behavior.

The present invention is further illustrated below by drawings and Examples:

The step of the process description method of the present invention of Fig. 1.

When business takes place in aforementioned bank account, no matter which kind of class of business it belongs to, for example 2000 yuan of cash withdrawal Renminbi, 5000 yuan of spot assets Renminbi or 10000 yuan of Renminbi are produced to another account or from another account change 10000 yuan of Renminbi in bank account, the computer accounting system of bank all will start immediately, write down the carrying out of above-mentioned bank account business, and all can in computer accounting system, produce the transaction electric signal.Simultaneously, the selection agreement that computer accounting system is made in conjunction with the basic right people, whether decision takes the selection of the inventive method to confirm notice.As actual obligee can be in advance with the bank agreement only to bank account withdraw the money, deposit, consume, a class of business or several classs of business in account transfer and the overdraft of credit card take the selection of the inventive method to confirm notice, and can carry out restriction on the amount to above-mentioned class of business, as being that the business of Renminbi more than 500 yuan takes the selection of the inventive method to confirm notice only to dealing money.Computer accounting system is after confirming that the basic right people need take the selection of the inventive method to confirm notice, will be in conjunction with the individual address code of basic right people in this system's retention, the follower of use device in computer accounting system, by the transmitted radio signal mode utilize telephone wire or wire transmission mode by cable with the occurent information of trading activity, in conjunction with the check out password address of receiver of basic right people, be transferred to the buying signals retransmission center that the basic right people makes an appointment.The buying signals retransmission center, as mobile telephone company, fixed-line company, paging station, internet site will be immediately on request with information such as trading activity by the mode of appointment, carry out encoding process after, this Transaction Information is forwarded on the receiver of checking out that the basic right people makes an appointment, maybe can receive the instrument of Email as mobile phone, landline telephone, beeper, the basic right people utilizes the receiver of checking out that carry or that receive these signals at one's side specially to receive that in real time the occurent information of the trading activity that relates to me is arranged now.For example check out receiver such as mobile phone or landline telephone notifies the basic right people to have 2000 yuan of Renminbi just to take out from its account in the mode of audio communication, check out receiver such as mobile phone, beeper, can receive the mode that the instrument of Email also can show and notifies 5000 yuan of basic right people Renminbi just depositing its certain account in.The basic right people is according to the trading activity information of receiving, whether can make immediately needs the judgement of taking measures.The behavior that the basic right people can be recognized or refuse on the receiver of checking out immediately by the mode of making an appointment this moment, as when receiving Transaction Information, on mobile phone or landline telephone, confirming or the refusal mail by confirming or the refusal password, in the E-mail address, send; Also can be by the mode of making an appointment with bank, as in the time of appointment, for example in 2 minutes or 3 minutes, the basic right people does not do any reaction, promptly agrees this transaction.When the basic right people thinks that this trading activity is when illegally using, can utilize check out receiver or other communication tool such as Advise By Wire corresponding calculated machine accounting system at once, computer accounting system in time feeds back to the trading activity nidus, make that transaction generator makes that refusal deposit, withdraws the money, transferred accounts, the behavior of consumption or overdraft of credit card and inform the involved party, thereby prevent from illegally to use the behavior generation of basic right people bank account.

Claims

1, the professional occurent method of a kind of bank account that utilizes telecommunication system real-time informing basic right people to have to relate to this people, this method comprises the steps:

A, take place when professional when bank account, as the deposit of bank account, withdraw the money, transfer accounts, consumption or overdraft of credit card, the computer accounting system of corresponding bank with it, by the transmitted radio signal mode utilize telephone wire or wire transmission mode by cable with the occurent information of trading activity, in conjunction with the check out password address of receiver of basic right people, be transferred to the buying signals retransmission center;

B, buying signals retransmission center forward the Transaction Information of the bank account received by predetermined coded signal;

C, utilization have the receiver of checking out that special setting has password address, acceptance is from the corresponding information of the coded signal that can include dealing money, place, class of business of buying signals retransmission center forwarding, and on display screen, shown or know by the basic right people with voice mode, as judging that this trading activity is legal or illegal distinguishing rule.In addition, this information of sending can be stored in the internal memory, as standby;

D, when the basic right people judges that above-mentioned trading activity is illegal, can pass through communication tool immediately, notice corresponding calculated machine accounting system stops trading activity.

2, according to claim 1, this method feature is that use equipment should comprise in this method: transaction generator (1), computer accounting system (2), buying signals retransmission center (3), the receiver of checking out (4);

Described transaction generator (1) should be to make bank account that professional various tool takes place, and transaction generator can be the computing machine of POS machine, ATM (Automatic Teller Machine), banking computer, operational line, the phone of telephone bank;

Described buying signals retransmission center (3) can be fixed-line company, mobile telephone company, paging station, internet site;

The described receiver of checking out (4) can be various mobile phones, beeper, landline telephone and the instrument that can receive Email;

3, according to claim 1, the bank account business is the business of instigating the basic right people bank account balance of deposits to increase or reduce and may cause basic right people debt, as the overdraw of credit card.Above-mentioned bank account business can comprise deposit, withdraws the money, transfers accounts, consumption and overdraft of credit card, and above-mentioned bank account form of service can be cash format or noncash form.

4, according to claim 1, the indication bank account is meant personal account that unit opened of taking deposits and the account of unit in this method.Bank account can be the account who opens in commercial bank, urban credit cooperative, rural credit cooperative, postal saving, and bank account can be the account who the account of bank card is arranged and do not have bank card.