TW588290B - New credit card's low cost anti-fraud mechanism - Google Patents

Abstract

A credit card is not only a plastic card. It is really a big money bag. With the online interactive function over internet, an instant communicating point created between credit card issuer and card holder. Through the communicating point, card holder may divide his credit line to a suitable small or low operating line for a few day's purchase consuming only. When the small operating credit line consumed, card holder may re-fillup his small credit line via internet by himself. The present invention of new credit card is a totally new model of consume-approving operation for issuer and also a totally new model of consuming way for consumer. By this way, you may prevent card fraud easily. Basically, the present invention released money to a credit card successively by a small adequate amount every time.

Description

588290 __Case No. 91135580_ Years and Months Revision _ V. Description of the Invention (1) Field of the Invention The present invention relates to a method for preventing theft of credit cards, especially the use of the online real-time interactive function to create credit cards. The new channel of close interaction between the card issuing bank and the cardholder's concubine allows the card issuing bank's authorization to operate and fully obey the instructions issued by the cardholder on the usage limit, which can reduce the exposure of a credit card to cash-you can use it The balance can be modified at any time and at the right time to adapt to the changing consumption patterns of consumers and achieve a new service model to prevent theft. Definition of Terms Credit Limit 廑 Maximum Credi t Line-Refers to the current credit line granted by the card-issuing bank to the cardholder. This line has different total credit lines depending on the financial situation of each applicant. Operating Credit Line-This name is a new term of the present invention. It refers to the cardholder's arbitrary credit line divided by the card-issuing bank to the cardholder (such as a tenth of a police), applicable to The small amount used by the cardholder for the last two to three days to a week is the highest amount set by the cardholder at the time. Whenever spending, the authorization operation does not take the original total credit limit as the basis for authorization. Instead, it uses the available balance of this very small usage limit designated by the cardholder as the upper limit of consumption authorization. Although this amount is small, it is more than enough for daily consumption without any hindrance. Balance Usable Credit —

588290 _Case No. 911355 Costume is one-fifth. Description of the invention (2) This name is a new concept of the present invention, which refers to the remaining available balance of the above-mentioned usage quota after a certain consumption. Originally, the total credit line of a credit card was fully usable. Only under the new operation mode of the consumption authorization of the present invention, the balance of the total credit line can be divided into two parts: the available balance and the unused balance. . Under the management of the cardholders, the Fucho use part will be converted into a usable state in batches. The purpose of the invention Every credit card contains the bank's large amount of credit to the cardholder. The cardholder takes his credit card to go out every day, just like bringing in / out a big wallet. Huh? Therefore, pickpocketing, recording, and theft of counterfeit cards are all indispensable. The goal is to pinpoint each credit card, which contains a large amount of cash. The present invention hopes to use the online real-time interactive function to divide this total credit line into a small amount of credit (Operating Credit Line). Consumers decide how much they want to use. The issuing bank's authorization Use this amount as the basis for the current consumption authorization. However, cardholders can use the Internet to instruct the radio station at appropriate time according to their consumption status, and then fill their usage balance, or they can further expand or reduce this usage quota according to certain needs, thus achieving the following purposes: 1. Consumers The main control manages the use of own credit cards. 2. Consumers control the authorization mode of consumer authorization electronics c 3. Prevent or reduce theft loss in any form. 4. Greatly reduce the incentives for criminals. 5. The premise that the three parties involved in the transaction (buyer, seller, card issuer) do not increase costs 588290 _ Case No. 91135580 Afternoon Day _ Amendment 5. Invention Description (3) " " ~ None of the original transaction methods were carried out, transaction procedures, transaction authorization time, transaction credit card settings, none of which must be changed due to the implementation of the present invention. Basically, the present invention releases the total credit line of the card-issuing bank into this credit card in batches, and changes the available amount of the credit card. Related prior technologies At present, the card bank's anti-theft brushing methods are generally as follows: 1. The card-issuing bank bears 24 or 48 hours of theft brushing losses, and even makes cardholders exempt from liability in order to attract consumers to spend with the card. This cut-throat competition just passes risk and does not reduce any risk of theft. On the contrary, it increases insurance premiums and increases the risk of special stores. It also causes cardholders to pay less attention to security issues. 2. Promote smart card to protect cardholder's related credit information. However, it is not difficult for hackers to crack the contents of the chip. The leakage of more information and money will be a disaster for cardholders. 3. The card bank's database is encrypted to strengthen fire prevention. 4. Some card-issuing bank institutions require consumers to fill in special passwords or digital guns (digital 1D) when spending online, in order to strengthen the identification ability when authorizing consumption. 5. The card-issuing bank strengthened online authorization monitoring and strengthened real-time screening and filtering functions. 6. Strengthen the encryption of the network ISP's database and strengthen the fire prevention. 7. Limit the number of employees who have access to sensitive information. There are also many well-conceived innovations, but all of them are difficult to implement due to excessive equipment investment or inconvenience, or even a serious violation of privacy, such as:

588290 Case No. 91135580_Year Month Day Chromium _ V. Description of the invention (4) 1. Credit card with fingerprint code embedded in magnetic stripe 条 Please refer to United States Patent No. 5, 509, 083 Method and apparatus for confirming the identity ° f an individual presenting an identification card (April 16, 1996) 2-The card is divided into two parts, and the two credit cards can only be swiped together. Please refer to United States Patent No. 5,538,291 Anti-theft credit card (July 23, 1996) 3. The new and old cards can be merged before the new card can be opened. Please refer to United States Patent No. 5,648,647 Anti-fraud credit card d i saptch system (July 15, 1997) 4. Programmable IC chip credit card. Please refer to Uni ted States Patent No. 5, 955, 961 Programmable transaction card (September 21, 1 999) 5. Credit card for fingerprint verification. Please refer to US Patent Application No. 2001 0053239 Credit card fraud elimination system (December 20, 2001) 6. Compare online transactions with voiceprint. Please refer to US Patent Application No. 20020046055 Biometric verification system and method for internet services (Apri1 18, 2002) 7. Credit cards with limited time, limited stores, limited amounts and limited areas. Please refer to US Patent Application No. 20020099648

588290 _Case No. 91135580 Afternoon of the Moon ___ 5. Description of the Invention (5)

Method of reducing fraud in credit card and other E-business (July 25, 2002) All the above-mentioned current practices and innovations, no matter how clever, have a common feature: a science and technology birth race with criminal traps, road thefts, fluctuations, cycles Endlessly, there is no change in the temptation of a large amount of cash contained in a credit card, but it has always been hung on that card without change. Explain in detail that the current credit card, regardless of magnetic stripe or chip type, is approved by the card-issuing bank for a total credit line for cardholders to spend in this fan park. However, for cardholders, this card is equivalent to allowing consumers to take With a large bag of cash, walking around the street, in case of being stolen, stolen or made into a fake card by the gangster, the losses are unbearable and heavy. '' Modern people's work, leisure, and entertainment are inseparable from the Internet. Each credit card issuer also has a website, but most of them are only a place for decrees or image advertisements. Websites have limited service functions. Imagine for a moment that the future bank website will launch a new service, which has a dedicated "personal credit management" page for every two cardholders. There is a booth 'allowing cardholders to specify how much credit cards they will take today. Now, the bank's authorized bank will execute the 'authorization' according to the amount indicated by the stop. After a few days, when the available balance of the credit limit was lowered, the "Cardholder returned to this exclusive r personal credit management" page, there was a "credit backfill" button, and the reduced credit limit could be returned with one click. Charge to a set height, just like in a computer game, the protagonist is tired and can be congested

Iw " ~ Page 11 — '588290 --1 ^ 91135580 Rev. _ Date: 5. Description of the invention (6) After the balance of the usage quota is filled, the cardholder can rest assured to spend in the set park, and The total credit balance of cardholders will be reduced accordingly. Repeatedly used and backfilled in this way until the total credit line is exhausted, it can no longer be used. Of course, the total credit line was restored once the monthly bill was paid. The use limit set for each block (Op era ting Credit Line) is arbitrarily divided from the total credit line of the issuing bank (for example, one tenth of the total credit line), which is completely determined by the cardholder. In one action, the cash available in this carry-on credit card was greatly reduced to enough to spend these days. Imagine that when this credit card was stolen, if the cardholder's actions were fast enough to 'use the ubiquitous network immediately and enter the personalized cardholder credit management webpage' to quickly modify the "use limit" to zero and immediately block any Theft occurs; if the cardholder's action is too slow, the authorized electronic card will still execute all subsequent consumption authorizations in accordance with the available balance of the aforementioned usage quota, and the cardholder's loss will only be the remaining money spent. High, it can be said that "the profit is much thinner", so the criminal motive is naturally eliminated. In addition, the right to set the quota (password) for the use of the student card is given to the parents, which will solve the problem of the student card ’s widespread confrontation with the card-issuing bank caused by the student card ’s excessive use of the card, which has become a happy situation. , Parents can grasp the speed of students spending money, students are generous, like adults to go out with a credit card issued at the time, and the parent-child relationship is greatly improved and closer (children must talk to their dad every day, request backfilling quota to go smoothly), really a A harmonious world. As mentioned above, when fraudulent card fraud occurs, consumer losses are reduced, losses at special stores are reduced, and losses from card issuers are reduced, and litigation between parties is reduced.

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This innovative model, at a very low cost, guides the reduction of social costs by stealing society. From then on, credit card issuers no longer need to invest in high-cost advanced technology for card anti-theft and anti-counterfeiting. Consumers are always concerned about their own spending balances, and the criminal incentives for gangsters are greatly reduced. Disagreement with Datong. The implementation method is described in detail in the first circle and the second appendix of the first appendix, as described in detail below: For example, a consumer (10) goes online and enters the website of a card-issuing bank (15) 'If this consumer If you are not a card member of the Bank (20), you need to log in as a new member (21). You can fill in and submit the credit card application online, or you can send the completed credit card application by mail (22), waiting for the issuing bank to issue a general credit. The amount (23) allows cardholders to spend within this range. If the consumer has passed the credit authorization process and is a cardholder of the Bank (20), the cardholder must log in to the personalized cardholder credit management webpage (30) with the account number and the agreed password, and first check the general credit What is the current amount and total available balance (35), then check to see if there are any special large purchases today. The cardholder can adjust and set the personal credit line (〇perating Credit Line) (45), which is the amount held today. The amount of cash that card members are willing to take out is arbitrarily divided from the total credit limit of the card-issuing bank and is completely determined by the cardholder. · Usually set this r credit limit as one tenth of its total credit limit It is appropriate to reach one-twentieth, because such a setting not only sufficiently reduces the available cash exposed by this card, but also provides short-term daily consumption, which is still more than enough. _ ^ If this card member is entering this credit management webpage for the first time, BHl ^ n " shall ϋΓι 嶋 ~

588290 — Case No. 91135580 Rev. V. Description of Invention (8) His current credit balance is 0, and his total credit limit is full and unused at this time. The cardholder clicks on "Credit Backfill" 』After the button (50), the management system will automatically use the balance of the credit limit from 0 to fill the credit limit of the card to the set value of the personal credit limit (45) just now, and his total credit available balance will be reduced accordingly; if this The cardholder is an old member. After clicking the "Credit Backfill" button (50), the management system will automatically fill the usage balance to the set value of the personal usage limit (45). After cardholders quit and close their credit management webpages, they can safely consume on the street or online (55) 'At this time, any cardholder's authorization will be limited to the available balance set by the cardholder. 60) 〇 After spending a few days, the balance of the usage quota has been reduced to a low level, and cardholders need to return to the card issuer's website (15) 'Relogin to the personalized cardholder credit management web page (30)' and refill this form The available balance of the credit card (50) to the set value is ready for use, so repeat the consumption and backfilling process until the total credit limit is exhausted 'and can no longer be used. Of course, after paying the monthly bill, the total available balance is restored again. The credit card holder's credit card authorized an electric shock to occur (80); the gangsters stole the excess money and lost it, and the gangsters were responsible for the crime. Cardholder post-consumer cell. For example, in the first circle, after a cardholder made a purchase, the credit cardholder immediately used the ubiquitous network to enter the personalization webpage (30) and quickly modified the "use quota" to zero (7〇) No authorization (7 5) 'Of course, the balance of any post-smuggling credit limit will be greatly reduced due to consumption. Even if it is forced, the cardholder's loss will be small. Just as the profit in the wallet is only the balance of the credit limit, Therefore, the reduction of the new credit card according to the present invention, as shown in Annex 1, is a sample of the management webpage. The available balance at this time is $ 2 58

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V. Description of the invention (9) As shown in the second page of the appendix, the available cardholders have a balance of 9,742 yuan, which is relatively yuan. However, some consumers will say that they are valued, and they will report troubles. They cannot be separated from the end of work or the trouble of managing webpage inspections. On the contrary, it will use the Internet to authorize card issuers and can reduce the system as described above every few days. ”For card issuer models and consumer chess, it is unprecedentedly low. Regarding the management, the amount of "blocking the amount of credit that affects the low use of credit cards, the former, the former low-cost dispute prevention and card J cardholder credit management network with backfill" button changes: hold the set $ 1 0000, increase from $ 68543 to $ 58801. Permission increased to $ 10,000. The website backfills the usage quota to set the daily work. During the break, check the wallet in front of the entertainment door. Crossbow, it is less than a minute until the cardholder's own credit is not numb. This is the "new credit" cardholder according to the invention. When the next credit is backfilled from $ 258 to its total available balance, the authorized e-mail address will be boarded every few days. In fact, modern people's networks, just like when everyone ends the media music, they take a look at the current balance and spend the necessary daily life cardholders. They cannot personally set r to use the system to automatically fill back the card with a low risk of losing cards. And, no, this innovative F Shinshine Bank is a brand new one, a brand new new credit card, to build a juvenile cardholder or non-cardholder can pass the book "Degree" setting, the convenience of one card. Cost anti-theft brush machine Unauthorized consumption authorization Unavailable credit card fraud mechanism ”Before Ledatong World.

Page 15 588290 _Case No. 91135580_Year Month Day _ ^ _ Brief description of the drawing The first picture is the "low-cost anti-theft brush mechanism for new credit cards" of the present invention, a new use process of consumer personal credit management, and low-cost anti-theft Brush mechanism processZero

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Claims (1)

588290-Case No. 91135 deleted _ year month date _ amendment _ 6. Application scope 1 * A new low-cost anti-theft brush mechanism for credit cards, which uses the online real-time interactive function to create a credit card issuer and the cardholder The channel of close interaction 'allows cardholders to give instructions to authorized e-commerce companies to set applicable consumption authorization limits to a minimum to reduce the risk of card loss. It can also make small and timely corrections at any time after consumption. The new consumption and authorization service model that adapts to the changing consumer consumption patterns includes at least the following method steps: a. Consumers go to the card-issuing bank website, log in as a new member, and establish a new account; b. New member presses Provide credit card application and wait for credit approval; c. When the bank approves the credit, set up an individual cardholder credit management webpage for the cardholder; " d · Cardholder goes to the card-issuing bank's website according to the agreement Account number and password enter their personal credit management webpage; cardholders can change new passwords by themselves to increase security. e. The cardholder first checks his total credit limit and the current total credit balance; f. The cardholder enters his "Utilization Limit" block and enters or sets within the current total credit balance displayed in step e • above. How much cash would you like to bring to the street today with the appropriate "use quota"; g. The consumer authorization computer of the card-issuing bank, and then execute subsequent consumption authorization operations based on the available balance of this use quota; h. When the cardholder believes that the quota is used When the current available balance is too low, the cardholder uses an “credit backfill” button on this credit management webpage and manually clicks on the button to automatically backfill the reduced usage balance to the height set by the above-mentioned “fr usage quota” for For future short-term consumption; 1111 ~% 17 I ~ 588290 6. After applying for a patent, Fanyuan i cardholders can exit the street and close their credit management webpage, and then they can safely consume on the street or online. At this time, as described in step g. The available balance of the usage limit set by the cardholder is limited; j · After a few days of consumption, the balance of the usage limit has been reduced to a low level. Cardholders need to return to the card issuer's website and log in to the personalized cardholder credit management. Web page and use the "Credit Backfill" button again to backfill the available balance of the card usage quota to the set value for use; at this time, the cardholder can further expand or reduce this "usage quota"; k · cardholders repeat The "cyclical process of multiple card consumption and r credit backfill" until the total credit limit is exhausted to zero "This card cannot be used again; once the monthly bill is paid, the total credit balance will be restored. 2. The low-cost anti-theft brushing mechanism of the new credit card as described in item 1 of the scope of patent application, wherein the individual cardholder credit management webpage is established for the cardholder as described in step c, and at least the display includes the following items in preparation for holding Cardholders need to manage personal credit: a. Total credit line; b. Current total credit line balance; c. F credit limit "block: this block is where the cardholder gives instructions to the consumer authorized computer; d. Available balance: all consumption authorizations are based on this amount; e. R Credit Backfill ”button: Only this button has the right to backfill the available balance that has been reduced due to consumption. 3. The low-cost anti-theft brushing mechanism for the new credit card as described in item 1 of the scope of patent application, wherein the cardholder mentioned in step d goes to the card-issuing bank's website, 588290 The designated account and password for entering the personal credit management webpage refers to one or more groups of ordinary account and passwords, which can also be a new digital ID (digital ID), or a composite digital key and ordinary password. Multiple combinations. 4. The low-cost anti-theft brush for the new credit card as described in item ^ of the patent application scope, wherein the cardholder mentioned in step d goes to the card-issuing bank's website and enters his personal credit management webpage with his account and password. For the account number and password, the card-issuing bank can use one or more groups of account numbers and passwords to require the cardholder to pass one or more verifications before logging in to the credit management webpage and issuing instructions. 5. The low-cost anti-theft brushing mechanism of the new credit card as described in item 1 of the scope of the patent application, wherein the cardholder mentioned in step d goes to the card-issuing bank's website and enters his account on the personal credit management webpage with the agreed account number and password. With the password, the card-issuing bank can also restrict the cardholder to contact the card-issuing bank's website with a mobile phone or desk phone of a special number in order to log on to the credit management webpage and issue instructions. Such a special phone number can be regarded as a specific additional password. 6. The low-cost anti-theft brushing mechanism of the new credit card as described in item 1 of the scope of patent application. 'If the credit card is stolen, the cardholder moves quickly and immediately uses the ubiquitous network to enter the personalization described in step c of item 1. The cardholder's credit management webpage quickly changed the "use limit" mentioned in step f to zero, and the authorized power bank would have no amount available for authorization, so it would effectively prevent any theft. 7. Low-cost anti-theft brush for new credit cards as described in item 1 of the scope of patent application Page 19 588290 91135580 iil3558p_ ± _L a Chromium, patent application scope mechanism 'The credit card mentioned here refers to international credit card processing agencies (such as VISA, MasterCard, JCB, AMERICAN EXPRESS, Diners Club, Carte Blanche, Enroute, Discover, etc. ) And credit cards issued by domestic joint credit card processing centers, also include financial cards that are also credit-derived, such as financial debit cards, cash advance cards, debit cards, and so on. 8. The low-cost anti-theft brushing mechanism for the new credit card as described in item 1 of the patent application park, where the card issuing bank mentioned in step 1c of item 1 establishes a personalized cardholder credit management webpage, but for older cardholders When the person or the inconvenient user of the network cannot manage it in person, the cardholder can authorize the issuing bank in writing to set the amount of the "Usage Limit" block on the behalf, and the system automatically backfills the "Usage Limit" on behalf of the system every few days. ”Setting can also greatly reduce the risk of losing a card without affecting the convenience of a credit card. tAs described in item 8 of the scope of the patent application, the low-cost anti-theft credit card of the new credit card, in which the entrusting card-issuing bank is set to set a small amount in the "Usage quota" field and the system automatically backfills the usage quota set every few days. Written power of attorney means submission by e-mai 丨, or by ordinary post, or directly to the card-issuing bank for writing and submission. Page 20