Method and equipment for preventing finance card from brushing deceptively

Abstract

The invention discloses a method and a device for preventing the unauthorized use of a fiscal card; after a user stamps a card on the card punching terminal of a financial system, the value of the distance between an intelligent mobile terminal device of the fiscal card owner and the current card punching terminal is obtained. The value of the distance can be determined through the positioning information about the intelligent mobile terminal device and information about the position of the current card punching terminal provided by a bank. The obtained distance value is then compared with a predefined distance value; if the value of the distance between the intelligent mobile terminal device and the current card punching terminal is smaller than the predefined distance value, then the financial system automatically performs a remit account, and the consumption transaction is succeeded; if the value of the distance between the intelligent mobile terminal device and the current card punching terminal is larger than the predefined distance value, then the issuing bank takes further measures after taking the advice from the fiscal card owner. The scheme of the invention further enhances the safety of using the fiscal card.

Description

technical field [0001] The invention relates to financial card anti-theft technology, in particular to a method for anti-theft swiping of financial cards based on location, an intelligent mobile terminal device and a computer system for financial transactions. Background technique [0002] Currently, commonly used financial cards mainly include credit cards (Credit), savings cards (Debit), stored-value cards, and the like. Savings cards mainly rely on encryption technology to ensure the security of use; while credit cards mainly rely on signature technology to ensure the security of use. Of course, some banks or regions use ID cards for verification to ensure the security of financial cards. As the bank launched the business of direct credit card consumption with savings cards, and received strong support from various merchants, and consumers also felt the various conveniences brought by this business, so more and more people began to choose this business. However, for cred...

AI Technical Summary

Problems solved by technology

However, for credit cards that can be consumed by swiping the card without the need for consumers to enter their private passwords, since the salesperson at the consumption place may ignore the verification of the signature handwriting, and the signature handwriting is easy to imitate and forge, how to prevent the counterfeiting of the credit card in the first place? It is an urgent matter to avoid the economic loss of users

Savings cards that rely on password technology are not safe. The process of using passwords may also be the process of leaking passwords. Since passwords are used on public equipment, criminals can use certain means to easily and premeditately obtain passwords. Then steal the card

[0003] More and more institutions and organizations in the world have begun to pay attention to how to completely solve these problems of financial cards, such as replacing all financial cards with integrated circuit (IC) cards, etc., but this will cause all existing financial card swiping equipment to face The possibility of elimination will virtually increase the operating costs of the banking system and other financial systems

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