CN1987924A - System and method for more safety and convenient of bank account - Google Patents
System and method for more safety and convenient of bank account Download PDFInfo
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- CN1987924A CN1987924A CNA2006100545719A CN200610054571A CN1987924A CN 1987924 A CN1987924 A CN 1987924A CN A2006100545719 A CNA2006100545719 A CN A2006100545719A CN 200610054571 A CN200610054571 A CN 200610054571A CN 1987924 A CN1987924 A CN 1987924A
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Abstract
The invention provides a system and method that can make the bank account safer and more convenient. The account holder can set up invisible account number in advance and bind the previous bank account or set up a invisible account directly and independently. When in business, just inputting the invisible account number, password directly. The account holder can also pre-set up three groups or several groups' changeable passwords in sequential. After use one group, the system will automatically update a group password to the next group. When go into the business next time, the account holder need to input the password be updated after a group password, you can set the alarm password which is the updated one and can also set up a alarm custodial passwords. The account holder pre-set the customizing non-custodial amount in advance, once experience stress, to make money from the accounts to be part of preservation. After inputting the alarm custodial passwords, the transaction processing subsystem trigger alarm protection subsystem, the custodial amount will be freeze in addition to customizing non-custodial amount and not displayed on the screen. The updated non-custodial amounts will response to the requests for withdrawals. The invention truly realizes the bank accounts to be safer and more convenient, truly realizes the bank accounts put into the heart from wallets and lower the social crime rate.
Description
Technical field
The present invention is a kind of safer, system and method easily of bank account that makes
Background technology
Along with the improvement of bank card disposal environment, bank card has become a kind of more and more popular, payment and settlement instrument easily.But also more and more rampant at the criminal offence of bank card along with popularizing of bank card, the offender uses violent means and coerces that the holder provides bank card and the password of withdrawing the money, thereby the situation of false claiming property occurs repeatedly.In the case, the holder promptly faces the risk of property loss, also may face life danger.
For this reason, inventor who is Lei Congtao discloses the patent of invention of " a kind of be used for bank save disposal system and method from damage " on March 8th, 2006, and its application number is 200410054130.X.This invention is to save password and one from damage and save ratio a from damage for the account is provided with one, can under the situation of withdrawing the money of crime branch, report to the police, and change the amount of money in the account over to a specific account in proportion, and with the remaining sum response offender after upgrading, make holder's fund obtain part and save from damage.
In addition, one disclosed the patent of invention of a kind of " not using bank card or bankbook to finish the system and method for bank transaction " on September 24th, 2003 by to be made two inventors that Cheng Min husband and one is Zhou Le, and its application number is 02158750.7.This invention is that the client terminal (comprising mobile phone, computing machine, landline telephone or personal digital assistant etc.) that the client uses oneself sends the instruction of asking bank transaction by public network to bank's authoring system; Bank's authoring system is accepted customer instruction, gives legal instruction assigns authorized number, and feeds back on this customer terminal computer through public network; The client goes up the Transaction Information that input comprises grant number at banking terminal (comprising automatic cash dispenser, automatic sales counter machine, point-of-sale terminal or automated banking system and equipment etc.); Banking system is confirmed according to the above-mentioned Transaction Information that receives through dedicated network, is concluded the business after the affirmation.This invention can solve the client in payment problems such as traditional emporium's consumption, shopping; Can solve client terminal cash withdrawal problem comprehensively; Make bank can realize that it is the account of carrier that the client directly opens with the client terminal, abandon bank card and bankbook, thereby realize a kind of brand-new bank account system and method for operating thereof.
Above-mentioned two aspect patents all have effect separately, and first it be reliably to account's security, but not enough again for the security of the password of withdrawing the money, such as being peeped by the people, it does not have convenience again simultaneously; Second it be reliable to account's convenience, but it has lacked security again, the offender can coerce by force and hold people from family, carry out transaction business with client terminal, the debt that makes the offender will hold big amount in the account of people from family is taken away, it can worry to be accused naturally afterwards, even hold family people's fund heavy losses like this, threatens to holding family people person safety again.Why does not that just have three complete its beautiful methods? can make and hold people from family and need not carry bankbook, tangible bank account such as card class etc.; also can with banking terminal, the point-of-sale terminal enchashment money of concluding the business; can satisfy cryptosecurity again; can also hold people from family when being subjected to coercing; can protect the fund security of holding people from family; can protect the personal safety of holding people from family again; be not to say: " Union is strength "? for this reason; I consult through multi-aspect search; add the Thinker of oneself, design one finally and make safer, the system and method easily of bank account.
Summary of the invention
In order to make bank account safer, convenient, first purpose of the present invention provides safer, the system and method easily of a kind of bank account, after the client can set in advance stealthy account number and original account binding or directly independently offer stealthy account, the client need not carry tangible bank accounts such as bankbook, card class, also can be on bank, ATM, be provided with Unionpay related system place (as the place of swiping the card) the enchashment money of concluding the business, reduce the account and carried inconvenience, dangerous, also reduced crime rate;
Second purpose of the present invention provides a kind of safer, system and method easily of bank account that makes, the client can set in advance several groups of passwords and be the change password, when carrying out business, even peeped, the offender can not achieve one's goal with the money of tasting of getting, password not only can upgrade automatically, and the offender also will remember account number, waits the offender to remember account number, and password has been forgotten again, the numeral of one big string, how the offender can once remember entirely;
The 3rd purpose of the present invention provides a kind of safer, system and method easily of bank account that makes; the client can set in advance to report to the police and save password from damage; the self-defined amount of money of not saving from damage also can be set; coerce in case meet with; can make client's fund loss drop to minimum; promptly protected client's fund security, protected client's personal safety again, had simultaneously and reduced crime rate.
For achieving the above object, of the present inventionly make that bank account is safer, system comprises easily: bank account and transaction data base, it comprises bank account essential information and transaction record, and the bank account essential information comprises account householder's essential information and account's relevant information; The management of bank account subsystem, it is responsible for finishing the main in every family essential information of accounting checking and the management of account's relevant information; The transaction processing subsystem, it is responsible for finishing transaction request is handled, to work such as transaction details write down; Account and transaction data base, account management subsystem, transaction processing subsystem, account's search subsystem and account number, password input subsystem and warning are saved from damage in the storer of subsystem stores in main frame; Account number, a password input subsystem link to each other with account's search subsystem, after account's search subsystem is opened, the stealthy account number of input in account number, password input subsystem, account's search subsystem also comprises this stealth account number in whole bank account data storehouse, searches for; Password is saved in stealthy account number, common or change password and a warning from damage, is arranged in bank account and the transaction data base, by the management of bank account subsystem they is managed; In account and the transaction data base, also comprise in order three groups or multiple cipher forming the change password, be updated to next group after by the transaction processing subsystem it being used one group; Warning is saved subsystem from damage and is linked to each other with transaction processing subsystem in the main frame, and triggers startup automatically by the transaction processing subsystem; In the bank account essential information, also comprise the self-defined amount of money of not saving from damage, the transaction processing subsystem comprises that also warning is saved from damage password to be discerned, and after reporting to the police automatically, to freeze not to be shown in the program of panel except that the self-defined amount of money of not saving from damage the amount of money of saving from damage.
In native system, trigger to report to the police and saves the Account Status of subsystem from damage, be referred to as " normal condition ", " transaction " is meant " consuming/transfer accounts/deposit and withdraw/inquire about " etc.; Original account's the password for inquiry and the password of withdrawing the money are referred to as " ordinary password " in native system.
Stealthy account number described in this system be one with the account number of original account binding or the stealthy account that directly independently offers number, be referred to as " stealthy account number ", when the client carries out business, can not need carry tangible accounts such as bankbook, card class, directly import stealthy account number and carry out business.
Account number described in this system, password input subsystem are to have increased the account number input subsystem in original defeated close subsystem.
Change password described in this system is one and is made up of in order three groups or multiple cipher, after first group of password input, the transaction processing subsystem authenticates it, after the affirmation, one group of password after the transaction processing subsystem will use is updated to next group, when carrying out business next time, need the password of input, be one group of password after the last time upgrades, so recycle renewal.
It is that password is saved in another warning except that change password or ordinary password from damage that password is saved in warning described in this system from damage, when the transaction processing subsystem, detect and report to the police when saving password from damage, automatically will be after reporting to the police except that the self-defined amount of money of not saving from damage the amount of money of saving from damage, freeze not to be shown in panel, accordingly, also can will save the amount of money from damage according to request thaws and is shown in panel.
Transaction processing subsystem described in this system, also comprise freezing not to be shown in the amount of money of saving from damage of panel, be shown as and withdraw the money or consume the amount of money, the time of withdrawing the money or consuming demonstration is: triggering reports to the police save from damage behind the subsystem with normal Account Status in, last 2: 3 time of transaction replaces, and then carry out the corresponding program that transactions history record shows, to avoid withdrawing the money or consumption and historical record are not inconsistent.
In the described bank account essential information of this system, institute comprises Account Status has increased " warning is saved from damage " sign outside signs such as original " normally ", " freezing ", so that realize the conversion between " normally " and " warning is saved from damage " sign as required.
For achieving the above object, the present invention also provides a kind of safer, method easily of bank account that makes.
This method comprises the steps: 1) set in advance stealthy account number and original account binding or directly independently offer stealthy account, after the opening account search subsystem, system prompt " please be imported account number ", in account number, after importing stealthy account number in the password input subsystem, account's search subsystem is searched in whole bank account data storehouse and the account of the stealthy account number binding of importing or the stealthy account who directly independently offers, after searching, " please input password " reresented by system, after the input, 2) the transaction processing subsystem is accepted transaction request, and verify common or the change password, pass through as checking, then handle request by normal flow again and reply, if be verified as the change password, one group of password update after then will this time using is next group; 3) do not pass through as checking, then again checking to save password from damage consistent with warning, then handle as inconsistent by normal flow, return the password error message, 4) save password from damage as being verified as to report to the police, after then subsystem is saved in execution triggering warning from damage again, and will be except that the self-defined amount of money of not saving from damage the amount of money of saving from damage, freeze not to be shown in panel, and upgrade the self-defined amount of money of not saving from damage, Account Status is set to " warning is saved from damage " sign, 5) if transaction request is the query history record, then before displayed record, will freeze not to be shown in the amount of money of saving from damage behind the panel, be shown as and withdraw the money or consume the amount of money, time is that the triggering warning is saved from damage behind the subsystem and the time of concluding the business 2: 3 for the last time in the normal Account Status replaces, if other transaction request is then with the self-defined amount of money of not saving from damage after upgrading, according to the request of normal procedure response transaction.
This method also comprises and will freeze not to be shown in the amount of money of saving from damage of panel, thaws and is shown in the step of panel;
This method also comprises one in original defeated close subsystem, account number, the password input subsystem of account number input have been increased, utilize this system users not only can be on bank, ATM the enchashment money, also can directly be provided with Unionpay related system place (as the place that swipes the card) enchashment money (as supermarket, hotel, market etc.).
Owing to adopted above scheme, can make the present invention have following 4 effects at least: 1) owing to be provided with stealthy account number or directly independently offered stealthy account, the client can not need carry tangible accounts such as bankbook, card class and concludes the business, reduced inconvenience that the client carries tangible account, dangerous, worried, really accomplished bank account has been put at heart in wallet, make the client reduce worry, make the client feel more relieved, make things convenient for; 2) owing to be provided with the change password, the client worries that no longer peep of cipher goes when the input password, even if peeped, also will remember stealthy account number, and can upgrade automatically after the password use; 3) save password from damage owing to be provided with warning, the client is when being coerced, and needn't worry that debt can total loss, warning can be saved from damage password and surrender when the password of withdrawing the money, make the offender obtain debt, avoid being subjected to personal injury, the offender once can not take huge debt simultaneously, can avoid the offender to take aggressive behavior like this, thereby reduced the probability of killing all so that there won't be any eyewitness left, play the effect of protection client personal safety, and can also report to the police automatically, bank clerk can be taken appropriate measures; 4) owing to be provided with the self-defined amount of money of not saving from damage, allow client's loss really drop to minimum like this, the offender is in each crime, the debt that can take has obviously reduced, and originally the debt of once committing a crime and taking may need commission in a gang now, could obtain, make the crime cost and risk obviously strengthen, directly take off the crime motive of having ended the offender, fundamentally reduced social crime rate.
Description of drawings
Fig. 1 is the composition structural drawing of native system;
Fig. 2 for the transaction processing subsystem trigger to report to the police save subsystem from damage after, and with among the account of normal condition except that the self-defined amount of money of not saving from damage the amount of money of saving from damage, freeze not to be shown in the process flow diagram of panel;
Fig. 3 will save the process flow diagram that the amount of money thaws and is shown in panel from damage for the transaction processing subsystem.
Embodiment
Fig. 1 is the composition structural drawing of native system, further makes to of the present invention that bank account is safer, system describes easily with reference to Fig. 1 below.
As shown in Figure 1, system of the present invention comprises: subsystem 4, computer memory 5, account's search subsystem 6 and account number, password input subsystem 7 are saved in account and transaction data base 1, account management subsystem 2, transaction processing subsystem 3, warning from damage; Wherein, account management subsystem 2 connects account and transaction data base 1, transaction processing subsystem 3 connects account and transaction data base 1, there is the relation of reception in transaction processing subsystem 3 with account number, password input subsystem 7, transaction processing subsystem 3 is saved subsystem 4 from damage with warning and is had call relation, and account number, password input subsystem 7 connect account's search subsystem 6; Described account and transaction data base 1, account management subsystem 2, transaction processing subsystem 3, account's search subsystem 6 and account number, password input subsystem 7 and reporting to the police saved from damage in the storer 5 that subsystem 4 is stored in main frame; Account and transaction data base 1 comprise bank account essential information and transaction record, the bank account essential information comprises account householder's essential information and account's relevant information, and account management subsystem 2 is responsible for finishing the main in every family essential information of accounting checking and the management of account's relevant information; Transaction processing subsystem 3, its be responsible for finishing to transaction request handle, to work such as transaction details write down; Also comprise a stealthy account number in account and the transaction data base 1, account number search subsystem 6 also comprises searches in whole bank account data storehouse this stealth account number; Also comprise in order three groups or multiple cipher forming the change password in account and the transaction data base 1, by transaction processing subsystem 3 it is used one group after, be updated to next group; In account and transaction data base 1, also be provided with a warning and save password from damage, and in account's essential information, also comprise the self-defined amount of money of not saving from damage, in transaction processing subsystem 3, increased and warning is saved from damage password discerned, automatically will be after reporting to the police except that the self-defined amount of money of not saving from damage the amount of money of saving from damage, freeze not to be shown in the program of panel, and handle historical transaction record inquiry and will be except that the self-defined corresponding program of not saving from damage the amount of money that the amount of money unhitches and is shown in panel of saving from damage.Warning is saved subsystem 4 from damage and is finished account's relevant information after warning saved from damage, carries out record, and notifies the responsible person concerned with warning message by one or more methods such as computer network, SMS, Emails.
Increased stealthy account number, common or change password in the management of bank account subsystem 2, reported to the police and to save the program that password manages from damage.For example to management functions (except that the direct stealthy account who independently offers) such as the setting of stealthy account number, binding, cancellations, stealthy account number be with an account of tangible accounts' bindings such as bankbook, card class number, be shorter than account numbers such as these bankbooks, card classes, the character string of easy note, but all be data type; The setting of stealthy account number can be passed through telephone bank by account householder, Web bank, modes such as bank counter are finished, but need to come the regulation account number by bank, can not change after the setting, can cancel, and bind with original account that (back 8 figure places or the long number of original account number got by suggestion bank, if independently offer stealthy account, its account number should be the same with the data length definition of binding account number, when the user is too much, can be behind arbitrary one digit number in 8 or the long number, add the number among the 0-9, for example: 22222222,202222222,222222202,888888808 etc.).
For example to the setting of common or change password, report the loss, revise or management function such as cancellation, the change password is made of in order three groups or multiple cipher, be to be the character string of same data type and length definition with ordinary password, after using one group, system can be automatically updated into next group to it, when carrying out business, the password that need import is the password after upgraded last time, so recycles, upgrades next time.The setting of change password can be finished by the mode the same with above-mentioned stealthy account number by account householder, and account householder can cancel former ordinary password, changes the change password into, accordingly, also can cancel the change password, change ordinary password into, the change password is reported the loss consistent with ordinary password.
For example to warning save from damage password setting, report the loss, revise and management function such as cancellation, warning save from damage password be different from bank account common or the change password a password, it must be with common all inequality with the change password, but be all the character string that data type lengths defines with these passwords, warning is saved also the same with the above-mentioned stealthy account number mode of setting of password from damage and is finished, but for cause account householder's attention, the mode of recommendation be only allow its to bank counter with I.D. and common or the change password handle.Need input account number and common or change password during setting and verify, report to the police save password from damage report the loss flow process with common or the change Cipher Processing is consistent; But the mode of recommending when the mode of removing the Account Status recommendation of reporting to the police after saving from damage is saved password setting from damage with warning is consistent.
The above-mentioned self-defined amount of money of not saving from damage can be self-defined by account householder, but need by bank's unification an initial value that is not less than this number to be set.
Refer again to Fig. 2 and Fig. 3 below and further describe safer, the method easily of bank account that makes of the present invention.
Fig. 2 for the transaction processing subsystem trigger to report to the police save subsystem from damage after, and with among the account of normal condition except that the self-defined amount of money of not saving from damage the amount of money of saving from damage, freeze not to be shown in the process flow diagram of panel.
As shown in Figure 2, after the opening account search subsystem, system prompt " please be imported account number ", in account number through transforming, the stealthy account number of input in the password input subsystem, account's search subsystem in whole bank account data storehouse, search for original account of stealthy account number binding or the stealthy account that directly independently offers after, " please input password " reresented by system, after the input, when receiving transaction request through the transaction processing subsystem of transforming, at first verify common or the change password, pass through, then handle request by normal flow again and reply as checking, if be verified as the change password, one group of password update after then will this time using is next group; Do not pass through as checking, then again checking to save password from damage consistent with warning, then handle as inconsistent by normal flow, return the password error message, as be verified as to report to the police and save password from damage, after then subsystem is saved in execution triggering warning from damage again, will be except that the self-defined amount of money of not saving from damage the amount of money of saving from damage, freeze not to be shown in panel, and upgrade the self-defined amount of money of not saving from damage, Account Status is set to " warning is saved from damage " sign, if transaction request is the query history record, then before displayed record, will freeze not to be shown in the amount of money of saving from damage behind the panel, be shown as and withdraw the money or consume the amount of money, the time of withdrawing the money or consuming demonstration is: triggering reports to the police save from damage behind the subsystem with normal Account Status in, the time of concluding the business for the last time 2: 3 replaces, if other transaction request, then with the self-defined amount of money of not saving from damage after upgrading, according to the request of normal procedure response transaction.
After password use was once saved in warning from damage, account householder must hold effective identity document to the bank counter Restoration Procedure.
Fig. 3 will save the amount of money from damage for the transaction processing subsystem and thaw and be not shown in the process flow diagram of panel.
As shown in Figure 3, set in advance stealthy account number and original account binding or directly independently offer stealthy account, after the opening account search subsystem, system prompt " please be imported account number ", in account number, after importing stealthy account number in the password input subsystem, account's search subsystem is searched in whole bank account data storehouse and the account of the stealthy account number binding of importing or the stealthy account who directly independently offers, after searching, " please input password " reresented by system, after the input, the transaction processing subsystem is accepted transaction request, at first verify common or the change password, do not pass through as checking, then return " password mistake " information, pass through (if change password as checking, one group of password update after then will using is next group password), the transaction processing subsystem is carried out and will be saved the amount of money from damage and thaw and be shown in panel, and account householder resets account's warning and saves password from damage, and Account Status is reduced to " normally " by " warning is saved from damage " sign and indicates subsequently.Collect the program of service charge as banking system being provided with, then the transaction processing subsystem can calculate and collect service charge and termination routine, otherwise direct termination routine.
Save password from damage because native system detects to report to the police, think that promptly legal account householder's personal safety is on the hazard, therefore, system can report to the police automatically, and the bank clerk of the information that receives the report for police service or police can take appropriate measures.So warning is saved password from damage and should at will be used, bank can control by the mode of collecting the routine expense.
Claims (13)
1, make that bank account is safer, system comprises easily:
1) bank account and transaction data base, it comprises bank account essential information and transaction record, the bank account essential information comprises account householder's essential information and account's relevant information;
2) management of bank account subsystem, it is responsible for finishing the main in every family essential information of accounting checking and the management of account's relevant information; The transaction processing subsystem, it is responsible for finishing transaction request is handled, to work such as transaction details write down;
3) account and transaction data base, account management subsystem, transaction processing subsystem, account's search subsystem and account number, password input subsystem and warning are saved from damage in the storer of subsystem stores in main frame;
4) account number, a password input subsystem link to each other with account's search subsystem, after account's search subsystem is opened, the stealthy account number of input in account number, password input subsystem, account's search subsystem also comprises this stealth account number in whole bank account data storehouse, searches for;
5) password is saved in stealthy account number, common or change password and a warning from damage, is arranged in bank account and the transaction data base, by the management of bank account subsystem they is managed; In account and the transaction data base, also comprise in order three groups or multiple cipher forming the change password, be updated to next group after by the transaction processing subsystem it being used one group;
6) warning insurance money subsystem links to each other with transaction processing subsystem in the main frame, and triggers startup automatically by the transaction processing subsystem; In the bank account essential information, also comprise the self-defined amount of money of not saving from damage, the transaction processing subsystem comprises that also warning is saved from damage password to be discerned, and after reporting to the police automatically, to freeze not to be shown in the program of panel except that the self-defined amount of money of not saving from damage the amount of money of saving from damage.
2, safer, the system easily of bank account that makes as claimed in claim 1, wherein said stealthy account number be one with the account number of original account's binding or the stealthy account that directly independently offers number.
3, safer, the system easily of bank account that makes as claimed in claim 1, wherein said account number, password input subsystem are to have increased the account number input subsystem in original defeated close subsystem.
4, safer, the system easily of bank account that makes as claimed in claim 1, wherein said change password is one and is made up of in order three groups or multiple cipher, after first group of password input, the transaction processing subsystem authenticates it, after the affirmation, one group of password after the transaction processing subsystem will use, be updated to next group, when carrying out business, need the password of input next time, be one group of password after the last time upgrades, so recycle renewal.
5, safer, the system easily of bank account that makes as claimed in claim 1, it is that password is saved in another warning except that change password or ordinary password from damage that password is saved in wherein said warning from damage, when the transaction processing subsystem, detect and report to the police when saving password from damage, automatically will be after reporting to the police except that the self-defined amount of money of not saving from damage the amount of money of saving from damage, freeze not to be shown in panel, corresponding, also can will save the amount of money from damage and thaw and be shown in panel according to request.
6, safer, the system easily of bank account that makes as claimed in claim 1, wherein said transaction processing subsystem, also comprise freezing not to be shown in the amount of money of saving from damage of panel, be shown as and withdraw the money or consume the amount of money, the time of withdrawing the money or consuming demonstration is: triggering reports to the police save from damage behind the subsystem with normal Account Status in, the time of last transaction 2:3 replaces, and then carries out the corresponding program that the transactions history record shows, to avoid withdrawing the money or consumption and historical record are not inconsistent.
7, safer, the system easily of bank account that makes as claimed in claim 1, in the wherein said bank account essential information, institute comprises Account Status has increased " warning is saved from damage " sign outside signs such as original " normally ", " freezing ", so that realize the conversion between " normally " and " warning is saved from damage " sign as required.
8, make that bank account is safer, method comprises the steps: easily
1) sets in advance stealthy account number and original account binding or directly independently offer stealthy account, after the opening account search subsystem, system prompt " please be imported account number ", after in account number, password input subsystem, importing stealthy account number, account's search subsystem is searched in whole bank account data storehouse and the account of the stealthy account number binding of importing or the stealthy account who directly independently offers, after searching, " please input password " reresented by system, after the input;
2) the transaction processing subsystem is accepted transaction request, and verifies common or the change password, passes through as checking, then handles request by normal flow again and replys, if be verified as the change password, one group of password update after then will this time using is next group;
3) do not pass through as checking, then again checking to save password from damage consistent with warning, then handle as inconsistent by normal flow, return the password error message;
4) save password from damage as being verified as to report to the police, after then subsystem is saved in execution triggering warning from damage again, and will be except that the self-defined amount of money of not saving from damage the amount of money of saving from damage, freeze not to be shown in panel, and upgrading the self-defined amount of money of not saving from damage, Account Status is set to " warning is saved from damage " sign
5) if transaction request is the query history record, then before displayed record, to freeze not to be shown in the amount of money of saving from damage behind the panel, be shown as and withdraw the money or consume the amount of money, time save from damage for trigger reporting to the police behind the subsystem with normal Account Status in time of last transaction 2:3 replace, if other transaction request is then with the self-defined amount of money of not saving from damage after upgrading, according to the request of normal procedure response transaction.
9, safer, the method easily of bank account that makes as claimed in claim 8, wherein said stealthy account number be one with the stealthy account number of original account binding or the stealthy account that directly independently offers number, can not need when carrying out business carry tangible accounts such as bankbook, card class, directly in account number, password input subsystem, import stealthy account number, can carry out business, also can be provided with Unionpay related system place (as the place that swipes the card) enchashment money except that bank, ATM.
10, safer, the method easily of bank account that makes as claimed in claim 8, wherein said change password is one and is made up of in order three groups or multiple cipher, after first group of password input, the transaction processing subsystem authenticates it, after the affirmation, one group of password after the transaction processing subsystem will use, be updated to next group, when carrying out business, need the password of input next time, be one group of password after the last time upgrades, so recycle renewal.
11, safer, the method easily of bank account that makes as claimed in claim 8, it is another password except that change password or ordinary password that password is saved in wherein said warning from damage, when the transaction processing subsystem, detect and report to the police when saving password from damage, promptly triggering reports to the police saves subsystem from damage, and will freeze not to be shown in panel except that the self-defined amount of money of not saving from damage the amount of money of saving from damage, accordingly, also can will save the amount of money from damage according to request thaws and is shown in panel.
12, safer, the method easily of bank account that makes as claimed in claim 8 wherein in the step 4), also comprises and will freeze not to be shown in the amount of money of saving from damage of panel, thaws and is shown in the step of panel.
13, the stealthy account number of above-mentioned all and original bank account binding or the stealthy account that directly independently offers number and change irregularly password and warning save password from damage, no matter take respectively to use or take simultaneously to use again or two, two take simultaneously to use, all make in the bank account claim scope safer, system and method easily of the present invention.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100545719A CN1987924A (en) | 2006-11-06 | 2006-11-06 | System and method for more safety and convenient of bank account |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CNA2006100545719A CN1987924A (en) | 2006-11-06 | 2006-11-06 | System and method for more safety and convenient of bank account |
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| CN1987924A true CN1987924A (en) | 2007-06-27 |
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| CNA2006100545719A Pending CN1987924A (en) | 2006-11-06 | 2006-11-06 | System and method for more safety and convenient of bank account |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI447665B (en) * | 2008-11-28 | 2014-08-01 | Chi Mei Comm Systems Inc | System and method for alarming of a network bank |
| CN105007264A (en) * | 2015-06-19 | 2015-10-28 | 收付宝科技有限公司 | Double-password account protection method and system |
| CN105046491A (en) * | 2015-06-11 | 2015-11-11 | 叶春林 | Anti-theft mode of credit card type identity authorization |
| CN113449614A (en) * | 2021-06-16 | 2021-09-28 | 上海朝夕网络技术有限公司 | Random verification code enhancement method and system based on fingerprint features and dynamic combination thereof |
| CN114943534A (en) * | 2022-05-19 | 2022-08-26 | 中国银行股份有限公司 | Online transaction method and device, electronic equipment and storage medium |
-
2006
- 2006-11-06 CN CNA2006100545719A patent/CN1987924A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI447665B (en) * | 2008-11-28 | 2014-08-01 | Chi Mei Comm Systems Inc | System and method for alarming of a network bank |
| CN105046491A (en) * | 2015-06-11 | 2015-11-11 | 叶春林 | Anti-theft mode of credit card type identity authorization |
| CN105007264A (en) * | 2015-06-19 | 2015-10-28 | 收付宝科技有限公司 | Double-password account protection method and system |
| CN113449614A (en) * | 2021-06-16 | 2021-09-28 | 上海朝夕网络技术有限公司 | Random verification code enhancement method and system based on fingerprint features and dynamic combination thereof |
| CN114943534A (en) * | 2022-05-19 | 2022-08-26 | 中国银行股份有限公司 | Online transaction method and device, electronic equipment and storage medium |
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Open date: 20070627 |