A VoIPoW phone credit card risk control method, which comprises the following steps: A. issuing bank credit card management VoIPoW server and swipe machines authorized to use the preparation of fixed network and the wireless communication function, can use the VoIPoW phone and receive or send voice or SMS; B. cardholders use credit card credit card through the VoIPoW machine consumption. Step C; if the cardholder is through the network consumption, step d; c.VoIPoW credit card machine and the bank credit card management server for real-time access to consumer credit card online; D. verification is a valid credit card card; if the card is valid, step e, if invalid card, the end of the execution steps; e. automatically return VoIPoW dial call to confirm whether the cardholder if to consumption; The cardholder confirms consumption and executes step g; otherwise, execute step h; g. complete credit card consumption or online consumption; h. card issuing bank refuses credit card consumption or online consumption. The invention thoroughly solves the problem that the credit card can not recognize the person and is easy to be stolen.
【技术实现步骤摘要】
【技术保护点】
1.一种使用VoIPoW电话的信用卡风险控管方法,所述方法用于持卡人与信用卡发卡银行之间利用VoIPoW电话实时互动防止信用卡遭盗刷,包括以下步骤:a.发卡银行的管理信用卡服务器及授权使用的VoIPoW刷卡机具备固网与无线通讯功能,能够使用VoIPoW电话并接收或发出语音或短信;b.持卡人使用信用卡通过VoIPoW刷卡机消费,执行步骤c;如果持卡人是通过网络消费,执行步骤d;c.VoIPoW刷卡机与发卡银行的管理信用卡服务器实时取得刷卡消费联机;d.核查信用卡是否为有效卡;如果为有效卡,执行步骤e,如果为无效卡,执行结束步骤;e.自动回拨VoIPoW电话确认持卡人是否消费;如果持卡人确认消费,执行步骤g,否则,执行步骤h;g.完成刷卡消费或在线消费;h.发卡银行拒绝刷卡消费或在线消费。
【技术特征摘要】
还没有人留言评论。发表了对其他浏览者有用的留言会获得科技券。