Account Transaction Management Using Dynamic Account Numbers
First Claim
1. An account transaction management system, comprising:
- a dynamic account number generating unit used for generating a dynamic account number corresponding to a true account number of an account of a user;
a dynamic account number sending unit used for sending the dynamic account number to the user or printing out the dynamic account number;
a user account information database used for storing a corresponding relationship between the true account number and the dynamic account number; and
a dynamic account number processing unit used for processing an account transaction according to the dynamic account number provided by the user and the corresponding relationship between the true account number and the dynamic account number.
1 Assignment
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Accused Products
Abstract
A method and a system for managing account transactions aim to effectively prevent account information from being compromised. The system generates a dynamic account number corresponding to a true account number of an account of a user and sends the dynamic account number to the user. The system stores the corresponding relationship between the true account number and the dynamic account number. The system conducts an account transaction requested by the user according to the dynamic account number supplied by the user and the corresponding relationship. The account can be a bank account, and the dynamic account number may be valid for a one-time use or set to expire after a certain period of time or a certain number of uses. The method and the system can make account transactions more reliable and safer, and effectively prevent user account information from malicious access.
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Citations
20 Claims
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1. An account transaction management system, comprising:
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a dynamic account number generating unit used for generating a dynamic account number corresponding to a true account number of an account of a user; a dynamic account number sending unit used for sending the dynamic account number to the user or printing out the dynamic account number; a user account information database used for storing a corresponding relationship between the true account number and the dynamic account number; and a dynamic account number processing unit used for processing an account transaction according to the dynamic account number provided by the user and the corresponding relationship between the true account number and the dynamic account number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. An account transaction management method, comprising:
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generating a dynamic account number corresponding to a true account number of an account of a user; sending the dynamic account number to the user; storing a corresponding relationship between the true account number and the dynamic account number; and conducting an account transaction according to the dynamic account number supplied by the user and the corresponding relationship. - View Dependent Claims (13, 14, 15, 16, 17, 18)
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19. One or more computer-readable media storing computer-executable instructions that, when executed, perform acts comprising:
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generating a dynamic account number corresponding to a true account number of an account of a user; sending the dynamic account number to the user; storing a corresponding relationship between the true account number and the dynamic account number; and conducting an account transaction according to the dynamic account number supplied by the user and the corresponding relationship. - View Dependent Claims (20)
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Specification