技术领域technical field
本发明涉及金融安全领域，尤其是一种金融账号预防电信诈骗的安全管理方法。The invention relates to the field of financial security, in particular to a security management method for preventing telecommunication fraud by financial accounts.
背景技术Background technique
当前随着网络的深度使用和移动支付技术的发展，各种银行账号、支付宝账号、微信零钱账号等金融、理财性质账号呈爆发式增长，随着网络技术的深化使用，各种金融账号已经成为大家日常生活中密不可分的一部分。At present, with the in-depth use of the Internet and the development of mobile payment technology, various bank accounts, Alipay accounts, WeChat change accounts and other financial and wealth management accounts have exploded. With the deepening use of network technology, various financial accounts have become It is an inseparable part of everyone's daily life.
近年来，随着科技的发展，电信诈骗呈高发态势，不法份子借助于手机、固定电话、网络等通信工具和现代的技术手段，实施非接触式的诈骗犯罪迅速地发展蔓延，给人民群众造成了很大的损失。In recent years, with the development of science and technology, the incidence of telecommunication fraud is on the rise. Criminals use mobile phones, landlines, networks and other communication tools and modern technical means to carry out non-contact fraud crimes. a great loss.
电信诈骗能够成功，本质上的原因在于目前的金融账号安全管理不足，不能满足应对当前网络高度发展以及防范新诈骗技术的需要。The fundamental reason for the success of telecommunication fraud is that the current financial account security management is insufficient, which cannot meet the needs of the current high development of the network and the prevention of new fraud technologies.
发明内容SUMMARY OF THE INVENTION
本发明的目的是针对现有技术方案的不足，提供一种金融账号安全管理方法，提升金融账号在使用手机动态验证密码进行支出操作时的安全门槛，降低用户被电信诈骗的风险，降低使用者资金损失机率，本方法可广泛的用于包括但不限于普通银行账号、网上银行账号、支付宝账号、微信零钱账号、以及各种用于资金存储和理财的金融账号。The purpose of the present invention is to provide a financial account security management method in view of the deficiencies of the prior art solutions, improve the security threshold of financial accounts when using mobile phone dynamic verification passwords to conduct spending operations, reduce the risk of users being swindled by telecommunication, and reduce the risk of users being defrauded by telecommunication. The probability of loss of funds, this method can be widely used including but not limited to ordinary bank accounts, online banking accounts, Alipay accounts, WeChat change accounts, and various financial accounts for fund storage and wealth management.
本发明采用如下技术方案：具体包括金融账号支出验证码使用地理位置校验系统和金融账号大额支出双验证系统。The present invention adopts the following technical solutions: it specifically includes a geographic location verification system for financial account expenditure verification codes and a financial account large-amount expenditure double verification system.
金融账号支出验证码使用地理位置校验系统，用于检测金融账号用于支出的验证码输入地点是否与用于接收动态验证码的手机所在地理区域是否一致，当检测到金融账号用于支出的验证码输入区域与获取验证码的手机不在同一区域时，验证码失效。The financial account expenditure verification code uses a geographic location verification system to detect whether the input location of the verification code used by the financial account for expenditure is consistent with the geographical area where the mobile phone used to receive the dynamic verification code is located. If the verification code input area is not in the same area as the mobile phone that obtained the verification code, the verification code will be invalid.
所述的金融账号支出验证码使用地理位置校验系统，通过手机GPS或运营商相关信息获取接收验证码的手机所在省份或区域，同时通过对使用验证码的手机、电脑或其它终端的IP地址、GPS或终端运营商信息等获取验证码使用终端的所在省份或区域，当二者在同一省份或区域时，验证码有效；当二者不在同一省份或区域时，验证码无效。The financial account expenditure verification code uses a geographic location verification system, obtains the province or region where the mobile phone that receives the verification code is located through the mobile phone GPS or operator-related information, and at the same time obtains the verification code by using the mobile phone, computer or other terminal IP address. , GPS or terminal operator information, etc. to obtain the verification code using the province or region of the terminal, when the two are in the same province or region, the verification code is valid; when the two are not in the same province or region, the verification code is invalid.
金融账号大额支出双验证系统，当符合大额支出条件(可根据各使用人具体需求自行设置，比如每天超过20000元或3天累计超过50000元等)时，启动双验证系统。The dual verification system for large-amount expenditures on financial accounts is activated when the conditions for large-amount expenditures are met (which can be set according to the specific needs of each user, such as more than 20,000 yuan per day or more than 50,000 yuan in 3 days, etc.).
所述金融账号大额支出双验证系统中，具体是指在账号安全管理上，除金融账号实际使用人外，增加设置一个安全验证人，日常小额支出，账号实际使用人可自行管理，当符合金融账号大额支出条件时，需要同时输入使用人支出验证码和安全验证人的验证码，才能成功支出。In the double verification system for large-amount expenditures of financial accounts, specifically, in account security management, in addition to the actual user of the financial account, an additional security verifier is set up. For small daily expenditures, the actual user of the account can manage it by himself. When you meet the financial account large-amount spending conditions, you need to enter the user spending verification code and the security verifier's verification code at the same time to successfully spend.
双验证方法不会对使用人正常的消费支出产生影响，在大额支出时，需要两个人共同同意才能完成，极大的增强了金融账号安全性，对降低电信诈骗成功率，保障人民群众财产安全有重要作用。The double verification method will not affect the normal consumption expenditure of the user. When a large amount of expenditure is required, it requires the mutual consent of two people to complete it, which greatly enhances the security of financial accounts, reduces the success rate of telecommunication fraud, and protects the property of the people. Safety plays an important role.
附图说明Description of drawings
附图是本发明逻辑示意图。The accompanying drawing is a schematic diagram of the logic of the present invention.
图中1金融账号支出验证码使用地理位置校验系统、2为金融账号大额支出双验证系统。In the figure 1, the financial account expenditure verification code uses the geographical location verification system, and 2 is the double verification system for the financial account large-amount expenditure.
具体实施方式Detailed ways
本发明可用于各种金融账号安全管理，本具体实施方案以网上银行为例进行说明，实施案例并不是对本发明技术方案的唯一限定，凡是在本发明技术方案精神实质下所做的任何等同变换或改动，均应视为本发明的保护范围。The present invention can be used for the security management of various financial accounts. The specific implementation plan is described by taking online banking as an example. The implementation case is not the only limitation to the technical solution of the present invention. Any equivalent transformation made under the spirit of the technical solution of the present invention or modification, should be regarded as the protection scope of the present invention.
银行账号所有人A选择本安全管理方案，设置了大额支出条件为每天10000元以上或3天内累计超过20000元，设置其儿子B为安全验证人，同时开启了手机动态验证码相关服务。Bank account owner A chooses this security management plan, sets the conditions for large expenditures to be more than 10,000 yuan per day or more than 20,000 yuan in 3 days, sets his son B as the security verifier, and enables mobile phone dynamic verification code related services.
当遇到银行帐号及密码被诈骗实施人非法获取后，犯罪份子需要将账号中资金向外转移，需要输入账号所有人A的手机动态验证码时，一般犯罪份子和受骗人A不在同一地域，即使获得了手机动态验证密码，也无法使用，可成功避免损失，当在同一地域时，受骗人发现后，公安机关易于侦破。When the bank account number and password are illegally obtained by the fraudster, the criminal needs to transfer the funds in the account and enter the mobile phone dynamic verification code of the account owner A. Generally, the criminal and the deceived person A are not in the same region. Even if the mobile phone dynamic verification password is obtained, it cannot be used, which can successfully avoid losses.
同时，银行账号所有人即使已经受骗，在仅骗A的情况下，每天的损失也将低于10000元。At the same time, even if the owner of the bank account has been deceived, if only A is deceived, the daily loss will be less than 10,000 yuan.
当支出额度超过了设置的大额支出条件，比如需要转出50000元时，若要成功实现支出，除需要输入A的手机动态验证码外，同时需要输入安全验证人B的手机动态验证码，此时B作为清醒的第三方，会了解A大额支出的情况，若发现是电信诈骗，则不提供验证码，从而成功避免损失。When the spending amount exceeds the set large-amount spending conditions, for example, 50,000 yuan needs to be transferred out, in order to successfully realize the spending, in addition to A's mobile phone dynamic verification code, you also need to enter the security verifier B's mobile phone dynamic verification code. At this time, B, as a sober third party, will understand the situation of A's large expenditure. If it is found to be a telecom fraud, the verification code will not be provided, thus successfully avoiding losses.
采用本安全管理方法，基本可以确保在不影响日常正常消费的情况下，大幅提升金融账号的安全性，从本质上降低金融诈骗的成功率，具有广阔的应用前景和实际使用价值。The adoption of this security management method can basically ensure that the security of financial accounts can be greatly improved without affecting daily normal consumption, and the success rate of financial fraud can be substantially reduced, which has broad application prospects and practical use value.
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910200901.8ACN109934703A (en) | 2019-03-18 | 2019-03-18 | A kind of financial account security management method |
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910200901.8ACN109934703A (en) | 2019-03-18 | 2019-03-18 | A kind of financial account security management method |
| Publication Number | Publication Date |
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| CN109934703Atrue CN109934703A (en) | 2019-06-25 |
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910200901.8APendingCN109934703A (en) | 2019-03-18 | 2019-03-18 | A kind of financial account security management method |
| Country | Link |
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| CN (1) | CN109934703A (en) |
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| RJ01 | Rejection of invention patent application after publication | Application publication date:20190625 |