Security guarding method for automatically calling to inform customer of logining, transferring and paying of internet banking

Abstract

The invention discloses a security guarding method for automatically calling to inform a customer of logining, transferring and paying of internet banking, which is used for ensuring the safety of an internet banking account of the customer. The method comprises the following steps that: an internet banking account system (1) monitors the account activities of each internet banking account; the internet banking account system (1) calls a mobile phone (3) of a customer corresponding to the internet banking account through an interactive voice answer device (2) so as to inform the customer, when the internet banking account system (1) finds that an account activity of one internet banking account is monitored operation; and the customer judges whether the account activity is illegal operation or not and judges whether the account is embezzled or not. If the customer does not log in a server of the internet banking but the mobile phone (3) of the customer receives the call from the internet banking account system (1) informing that the account of the customer is logged in, the internet banking account of the customer may be embezzled and the customer can immediately inform the bank of the embezzled event so that the bank can freeze the stolen capital in time and the loss is avoided.

Description

【Technical field】 [0001] The invention relates to the technical field of financial security, in particular to a security method for automatically calling and notifying customers of online bank login transfer payment. 【Background technique】 [0002] With the popularity of computers and the emergence of online banking services, more and more bank customers use online banking services. Online banking services are characterized by convenience and speed. Customers only need to use a computer that can be connected to the Internet to log in to online banking through an Internet connection. It is very convenient and fast to handle all kinds of bank account affairs by using a dedicated server, which can save the time of queuing up at the bank counter in person. However, with the emergence of computer viruses and Trojan horse programs, hackers have invaded computers with viruses and Trojan horse programs by various means. Hackers will steal the information and password of the online ...

AI Technical Summary

Problems solved by technology

However, with the emergence of computer viruses and Trojan horse programs, hackers have invaded computers with viruses and Trojan horse programs by various means. Hackers will steal the information and passwords of online banking accounts through a Trojan horse program, and then use the stolen account information and passwords to transfer the money in the account by pretending to be bank customers without the bank customer's knowledge

In addition, some fake bank websites have appeared recently. Hackers use various means to lure bank customers into logging into the fake bank websites, and steal the login information, including passwords, entered by bank customers when logging into the fake bank websites, and then hackers use the stolen login information. According to the data, without the knowledge of the bank customers, the counterfeit bank customers transfer the money in the account away. When the bank customers find out that the money in the account has been stolen, it is often too late to find out that the hacker has already transferred the money to some so-called " In the "space account", the money is withdrawn through ATM, and these "space accounts" are usually opened by hackers using stolen ID cards or fake ID cards, so it is generally impossible to recover the transferred money. monetary loss to bank customers

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