Method, device, computer equipment and storage medium for preventing fraudulent swiping of bank cards

A technology of bank card and location information, applied in the field of bank card security to achieve the effect of ensuring the security of card swiping

Active Publication Date: 2020-07-10
PING AN TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] Embodiments of the present invention provide a method, device, computer equipment, and storage medium for preventing bank card fraudulent swiping, so as to solve the problem of preventing bank card fraudulent swiping and causing financial losses

Method used

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  • Method, device, computer equipment and storage medium for preventing fraudulent swiping of bank cards
  • Method, device, computer equipment and storage medium for preventing fraudulent swiping of bank cards
  • Method, device, computer equipment and storage medium for preventing fraudulent swiping of bank cards

Examples

Experimental program
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Effect test

Embodiment 1

[0029] figure 1 A flow chart showing the method for preventing fraudulent swiping of bank cards in this embodiment. The method for preventing fraudulent swiping of bank cards is applied when a user uses a bank card to conduct a transaction. By comparing the current transaction information and the historical transaction information closest to the current transaction, it is calculated whether the current transaction information belongs to the safe range of swiping the card, and if it does not belong to the safe range of swiping the card , the bank card account is frozen to protect the security of the user's bank card swiping. Such as figure 1 As shown, the method for preventing bank card fraudulent swiping includes the following steps:

[0030] S10: Obtain a transaction request, the transaction request includes a user ID and current transaction information, and the current transaction information includes current transaction location information and current transaction time. ...

Embodiment 2

[0085] Figure 6 A functional block diagram of the device for preventing bank card fraudulent swiping corresponding to the method for preventing bank card fraudulent swiping in Embodiment 1 is shown. Such as Figure 6 As shown, the device for preventing fraudulent swiping of bank cards includes a transaction request acquisition module 10 , a target transaction information acquisition module 20 , a distance and time parameter acquisition module 30 , a target speed value acquisition module 40 and a security operation module 50 . Wherein, the implementation function of the transaction request acquisition module 10, the target transaction information acquisition module 20, the distance and time parameter acquisition module 30, the target speed value acquisition module 40 and the security operation module 50 is corresponding to the method for preventing bank card fraudulent swiping in the embodiment The steps correspond to one by one, and to avoid redundant description, this embod...

Embodiment 3

[0107] This embodiment provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the method for preventing fraudulent use of a bank card in Embodiment 1 is implemented. In order to avoid repetition, it is not repeated here. Let me repeat. Alternatively, when the computer program is executed by the processor, the functions of each module / unit in the device for preventing fraudulent swiping of bank cards in Embodiment 2 are realized. To avoid repetition, details are not repeated here.

[0108] It can be understood that the computer-readable storage medium may include: any entity or device capable of carrying the computer program code, recording medium, U disk, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), electric carrier signal and telecommunication signal, etc.

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PUM

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Abstract

A method for preventing bank card fraud, an apparatus, a computer device and a storage medium. The method comprises: acquiring a transaction request, the transaction request comprising a user ID and current transaction information, and the current transaction information comprising current transaction location information and current transaction time (S10); acquiring, on the basis of the user ID, target transaction information that is closest to the current transaction time, the target transaction information comprising target transaction location information and target transaction time (S20); acquiring at least one driving route distance on the basis of the current transaction location information and the target transaction location information, and acquiring a transaction time difference on the basis of the current transaction time and the target transaction time (S30); acquiring a target speed value on the basis of the at least one driving route distance and the transaction time difference (S40); if the target speed value exceeds a preset speed critical value, freezing a user account that corresponds to the user ID (S50). The present solution freezes a corresponding user account when it is determined that the current transaction is one in which the bank card was fraudulently used, thereby guaranteeing bank card swiping security for users.

Description

technical field [0001] The invention relates to the field of bank card security, in particular to a method, device, computer equipment and storage medium for preventing bank card skimming. Background technique [0002] With the development of bank card business, more and more people accept card consumption. Cases of bank card theft are also common. Especially in the data age, all kinds of user information are stored in the big data platform. User information may be obtained by criminals due to network Trojan horses, phishing, or copying cards, etc. Intentional trading behavior, causing financial losses to users. The current anti-theft brushing measures are mainly through the setting of rule engines, black and white lists, and transaction frequency rules on the big data platform. The setting of these rules is not enough to restrict the increasingly mature fraudulent brushing technology, and the user's bank card still exists. There is a risk of fraud and the assets are not ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/40
CPCG06Q20/4016G06Q20/3224
Inventor 石宇李云利张小敏张文君李辉朱小冬邓轶楠
Owner PING AN TECH (SHENZHEN) CO LTD
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