摘要 |
A banking computer system with lock for secure payment via telephone and corresponding method, the system includes a telephone ( 1 ), a public communication system ( 2 ), a financial computer account system ( 3 ), wherein the financial computer account system ( 3 ) usually locks its user account ( 3 - 7 ), assigns a private phone number ( 6 ) to a user, and sets unlock information ( 8 ) associated with the user account ( 3 - 7 ) in the system. Once the user is connected to the financial computer account system ( 3 ) using the telephone ( 1 ) with the private phone number ( 6 ) through the public communication system ( 2 ), the financial computer account system ( 3 ) will check the unlock information ( 8 ) according to a predefined program, if the unlock information ( 8 ) is authenticated, the user account ( 3 - 7 ) will be unlocked for a predefined time, otherwise, the user account cannot be unlocked, the secure payment is therefore achieved by adding an unlock procedure which can be controlled by user.
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