CN101192295A - Chip credit card network transaction system and method - Google Patents
Chip credit card network transaction system and method Download PDFInfo
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- CN101192295A CN101192295A CNA2006101629711A CN200610162971A CN101192295A CN 101192295 A CN101192295 A CN 101192295A CN A2006101629711 A CNA2006101629711 A CN A2006101629711A CN 200610162971 A CN200610162971 A CN 200610162971A CN 101192295 A CN101192295 A CN 101192295A
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Abstract
The invention provides a network exchanging system and a method of chip credit card, when the chip credit card is inserted into a card reader, the card reader transfers a control signal to a computer, after a controlling and managing module for exchanging executed on the computer detects the control signal transferred from the card reader, the identification data on the chip credit card can be read through the card reader so as to identify the type of the chip credit card, after the database is compared, a card number, an expiry date and a data required for the network exchanging can be acquired from the chip credit card, the controlling and managing module for exchanging can be automatically filled into a credit card data column on the exchanging web page by an encrypting method so as to complete the exchanging operation of the credit card. User does not have to type the card number and other confidential data on the exchanging web page to avoid a Trojan program from recording such as keyboard recording and image recording as well as to prevent the credit card data from leaking.
Description
Technical field
The invention provides a kind of chip credit card network transaction system and method, especially refer to a kind ofly can on chip credit card, obtain network credit card trade desired data such as card number, card date of expiration, and insert the transaction webpage automatically with cipher mode, avoid trojan horse program to carry out the System and method for that recording modes such as keyboard record, image recording are stolen credit card information.
Background technology
Employed traditionally magnetic stripe fiscard or credit card, though cost is low, technology is also ripe, but to be recorded in order taking precautions against in use, to avoid by bootlegging, so present magnetic stripe fiscard or credit card are replaced by the fiscard or the credit card of chip cassette gradually.
The first characteristics of chip card are the password off-line verification.Chip card is stored in password in the middle of the chip, and after the user inputed password, directly off-line was verified in terminal.Be different from the past, the password of user's input is will pass the bank main end back could verify.Therefore, password adds chip card, is expected to become the safety curtain of network trading.
Yet, though chip credit card has the security that is difficult to duplicate, but present known credit card network transactional services still needs the holder to key in network trading desired datas such as card number, card date of expiration voluntarily on the transaction webpage, just can carry out the credit card trade operation.
Therefore, if when having trojan horse program in the employed computing machine of holder, just might be recorded network trading desired datas such as above-mentioned card number, card date of expiration, make that credit card information still is easy to be stolen and forge, cause the loss of individual, network businessman and financial institution.
Therefore, in view of the disappearance of known technology, the present invention proposes chip credit card network transaction system and method.
Summary of the invention
The object of the invention is for providing a kind of chip credit card network transaction system and method, can on chip credit card, obtain network trading desired datas such as card number, card date of expiration, and insert the transaction webpage automatically with cipher mode, avoid trojan horse program to carry out the System and method for that recording modes such as keyboard record, image recording are stolen credit card information.
Content of the present invention is for when chip credit card inserts card reader, and card reader transmits control signal and gives computing machine.After the transaction control module of carrying out on the computing machine detects the control signal that card reader transmits, can read recognition data on the chip credit card to distinguish the kind of chip credit card by card reader, behind the comparison database, on chip credit card, obtain card number, card date of expiration and network payment desired data again, the transaction control module can be inserted credit card information field on the payment webpage by cipher mode automatically, to finish the transaction operation.The user need not key in private datas such as card number on the payment webpage, can avoid trojan horse program to carry out recording modes such as keyboard record, image recording, prevents that effectively credit card information from leaking.
In order to reach above purpose, the invention provides a kind of chip credit card network transaction system, comprise:
One chip credit card comprises recognition data and credit card information;
One card reader connects computing machine by signal wire, and when chip credit card inserted card reader, card reader promptly transmitted control signal and gives computing machine; And
One chip credit card transaction control module, be a kind of software program of on computing machine, carrying out, after detecting the control signal that card reader transmits, can read recognition data on the chip credit card to distinguish the kind of chip credit card by card reader, behind the comparison database, on chip credit card, obtain card number, card date of expiration and network trading desired data again, the transaction control module can be inserted credit card information field on the payment webpage by cipher mode automatically, to finish the transaction operation.
This case can further be understood in depth by the following drawings and detailed description.
Description of drawings
Fig. 1 is the system architecture diagram of chip credit card network transaction system of the present invention;
Fig. 2 is the synoptic diagram of transaction control module among the present invention;
Fig. 3 is the process flow diagram of transaction control module among the present invention.
Among the figure,
10 chip credit cards, 20 card reader
30 signal wires, 40 computing machines
50 kind identifying units, 52 form identifying units
54 delivery units, 100～165 execution in step
Embodiment
Consult Fig. 1, be system architecture diagram of the present invention, the invention provides a kind of chip credit card network transaction system and method, a kind of safe and simple method of holder of chip credit card 10 can be provided, with the network trading of operation chip credit card 10.Wherein chip credit card 10 can use and comprise the chip card that meets the ISO-7816 international norm, and card reader 20 can be used and comprises the card reader that meets PC/SC (PersonalComputer/Smart Card) specification, and pass to computing machine 40 earlier by signal wire 30 required data when carrying out network trading, and by computing machine 40 above-mentioned data actual transfer to the website of network trading.
Consult Fig. 2, be the conclude the business synoptic diagram of control module of the present invention.As shown in Figure 2, the present invention's control module of concluding the business mainly is made up of kind identifying unit 50, form identifying unit 52, delivery unit 54.
Simply, the present invention mainly utilizes kind identifying unit 50 after detecting the control signal that card reader 20 transmitted, read recognition data on the chip credit card 10 by card reader 20, find out the file layout of the kind that belongs to chip credit card 10 then from database (not describing) by form identifying unit 52, so that delivery unit 54 is when judging that present browser connection network address is the POS webpage, read this group credit card information according to file layout, and will be sent to and insert corresponding field in the POS webpage after its encryption, replace this group credit card information of artificial input, in the process of this group credit card information of input, be blocked avoiding.
Specifically, the native system main member comprises (1) chip credit card 10, and it comprises at least one group of recognition data, is stored in master data hurdle (EF, Elementary File) or Information (ATR, Answer To Reset) in the chip credit card; (2) card reader 20, and it connects computing machine 40 by signal wire 30, and when chip credit card 10 inserted card reader 20, card reader 20 promptly transmitted control signal by signal wire 30 and gives computing machine 40; And (3) transaction control module, be a software program of carrying out on the computing machine 40, after detecting the control signal that card reader 20 transmitted, can read recognition data on the chip credit card 10 to distinguish the kind of chip credit card 10 by card reader 20, behind the comparison database, obtain this chip credit card 10 data storing forms, transaction control module data layout is according to this obtained card number on chip credit card 10, card date of expiration and network trading desired data, and insert credit card information field on the payment webpage automatically with cipher mode, to finish transaction operation.The method of the control signal that the card reader 20 that detects the control module of wherein concluding the business transmits comprises the chip credit card access interface standard program that regularly executive operating system provided, and whether inserts card reader 20 with detection chip credit card 10.
What deserves to be mentioned is that aforementioned calculation machine 40 also can use the electronic installation that can carry out transaction control module of the present invention to replace, as personal digital assistant PDA, mobile phone etc.And signal wire 30 also can use wireless communication technique to replace, as blue bud, WLAN (wireless local area network) WLAN etc.
Consult Fig. 3 and while again with reference to figure 1, according to the process flow diagram of most preferred embodiment of the present invention, its step comprises:
(1) carry out transaction control module (step 100), the operating system in computing machine 40 is carried out the transaction control module, and resides in the operating system.
(2) whether the detection chip credit card inserts (step 110), the transaction control module is regularly by chip credit card access interface standard program that operating system provided, whether insert this card reader 20 with detection chip credit card 10, when chip credit card 10 inserted card reader 20, card reader 20 promptly transmitted control signal by signal wire 30 and detects for the computing machine 40 and the control module of being concluded the business.If chip credit card 10 does not insert card reader 20 as yet, then repeat this step and continue to detect.
(3) detect browser (Web Browser) network address and whether be positioned at POS webpage (step 120), if present network address inquires then whether the user desires to carry out the network credit card trade when being positioned at the POS webpage, if then continue next step; Then get back to previous step rapid (step 110) if not.If network address is not the POS webpage at present, then get back to previous step rapid (step 110).
(4) distinguish chip credit card (step 130), after chip credit card 10 inserts card reader 20, card reader 20 can be reset (Reset) chip credit card 10 to obtain the Information (ATR that chip credit card 10 transmits, Answer to reset) electronic signal or directly read master data hurdle (EF, ElementaryFile) data, this is the recognition data of chip credit card 10, distinguishes the kind of this chip credit card 10 for the transaction control module.
(5) read chip credit card content (step 140); the transaction control module is obtained the data layout of this chip credit card 10 after according to recognition data comparison database; and form reads chip credit card 10 card numbers and date of expiration according to this, and the algorithm for encryption protection that accesses to your password.
(6) insert chip credit card data (step 150), credit card number and date of expiration the transaction control module is inserted encryption automatically in the POS webpage after, on webpage, show to keep confidentiality with asterisk (*).
(7) user imports CVV voluntarily and sends Transaction Information (step 160), and the user imports trigram behind chip credit card 10 back side authentication codes voluntarily, and confirms to send Transaction Information.
(8) enciphered data is delivered to back-end server (step 170), and the Transaction Information after browser software will be encrypted is delivered to back-end server, obtains brushing card datas such as card number and date of expiration to finish transaction after the back-end server deciphering.
By the present invention, the holder does not need manually to import the card number and the date of expiration of chip credit card 10 when network trading, improves the network trading convenience and can prevent that trojan horse program from carrying out the keyboard record; And the transaction control module with cipher mode with card number and insert the webpage field date of expiration and show it with latent close character, can prevent that trojan horse program from carrying out the picture image record.
Spirit of the present invention and scope are decided by scope of patent protection of the present invention, are not subject to the foregoing description.
Claims (21)
1. a chip credit card network transaction system is characterized in that, comprises:
One chip credit card comprises one group of recognition data and one group of credit card information, and this group recognition data is represented the kind of this chip credit card, and this group credit card information comprises card number, date of expiration at least;
One card reader can be electrically connected to a computing machine by a signal wire, and when this chip credit card inserts this card reader, transmits a control signal by this signal wire and give this computing machine; And
One transaction control module comprises:
One kind identifying unit in order to after detecting this control signal that this card reader transmits, reads recognition data on this chip credit card by this card reader;
One form identifying unit is in order to find out a file layout of the kind that belongs to this chip credit card from a database; And
One delivery unit, when judging that present browser connection network address is a POS webpage, read this group credit card information according to this document form, and will be sent to and insert corresponding field in this POS webpage after its encryption, replace this group credit card information of artificial input, in the process of this group credit card information of input, be blocked avoiding.
2. chip credit card network transaction system as claimed in claim 1, it is characterized in that, described this transaction control module is by carrying out the chip card access interface standard program that an operating system provides, in whether inserting this card reader, to detect this control signal every this chip credit card of fixed cycle duplicate detection.
3. chip credit card network transaction system as claimed in claim 1 is characterized in that, when described this delivery unit is inserted credit card information at this POS webpage, is shown in the corresponding field with latent close character.
4. chip credit card network transaction system as claimed in claim 1 is characterized in that, described this chip credit card is the chip credit card that various different hair fastener unit issued.
5. chip credit card network transaction system as claimed in claim 1 is characterized in that, described this delivery unit judges and read this recognition data of process encryption by an algorithm.
6. chip credit card network transaction system as claimed in claim 1 is characterized in that, described this recognition data transmits an ATR electronic signal by this chip card and obtains to this card reader.
7. chip credit card network transaction system as claimed in claim 1 is characterized in that, described this recognition data obtains after reading an EF master data hurdle that is stored in this chip card.
8. chip credit card network transaction system as claimed in claim 1 is characterized in that, described this card reader meets the PC/SC international standard.
9. chip credit card network transaction system as claimed in claim 1 is characterized in that, described this signal wire is replaced and the transmission data with wireless communication technique.
10. a chip credit card network method of commerce is characterized in that, its step comprises:
(a) whether the detection chip credit card inserts, and when a chip credit card inserts a card reader, this card reader promptly transmits a control signal by a signal wire and gives this computing machine;
(b) detect the browser network address and whether be positioned at the POS webpage, then continue the following step if present browser network address is connected to a POS webpage;
(c) distinguish chip credit card, after this chip card inserted this card reader, this card reader read a recognition data that is stored in this chip card, for the kind of distinguishing this chip credit card;
(d) read the chip credit card content, according to a data layout of finding out the kind that belongs to this chip credit card after this recognition data is from a database;
(e) read this chip credit card data according to this data layout;
(f) insert the chip credit card data, will transmit and insert corresponding field in this POS webpage after this chip credit card data encryption.
11. chip credit card network method of commerce as claimed in claim 10, it is characterized in that, it is as follows that described step (a) further comprises step (a1): every this control signal of fixed cycle duplicate detection, be detected up to this signal, just enter step (b).
12. chip credit card network method of commerce as claimed in claim 11, it is characterized in that, the method of described this control signal of detection comprises carries out the chip card access interface standard program that this operating system provides, in whether inserting this card reader every this this chip card of fixed cycle duplicate detection.
13. chip credit card network method of commerce as claimed in claim 10 is characterized in that, described this signal wire is replaced and the transmission data with wireless communication technique.
14. chip credit card network method of commerce as claimed in claim 10 is characterized in that, described this chip credit card is the chip credit card that various different hair fastener unit issued.
15. chip credit card network method of commerce as claimed in claim 10, wherein further to comprise step (b1) as follows for step (b): this browser network address is not to be connected to the POS webpage if detect at present, then gets back to step (c).
16. chip credit card network method of commerce as claimed in claim 10 is characterized in that, described this recognition data transmits an ATR electronic signal by this chip credit card and obtains to this card reader.
17. chip credit card network method of commerce as claimed in claim 10 is characterized in that, described this recognition data obtains after reading an EF master data hurdle that is stored in this chip card.
18. chip credit card network method of commerce as claimed in claim 10 is characterized in that, described these chip credit card data comprise a credit card number and credit card date of expiration.
19. chip credit card network method of commerce as claimed in claim 10 is characterized in that, transmits this chip credit card data with cipher mode.
20. chip credit card network method of commerce as claimed in claim 10 is characterized in that, is shown in the corresponding field with latent close character when this POS webpage is inserted credit card information.
21. chip credit card network method of commerce as claimed in claim 10 is characterized in that, this card reader meets and comprises the PC/SC international standard.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006101629711A CN101192295A (en) | 2006-11-30 | 2006-11-30 | Chip credit card network transaction system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006101629711A CN101192295A (en) | 2006-11-30 | 2006-11-30 | Chip credit card network transaction system and method |
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| CN101192295A true CN101192295A (en) | 2008-06-04 |
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| CNA2006101629711A Pending CN101192295A (en) | 2006-11-30 | 2006-11-30 | Chip credit card network transaction system and method |
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| US11354555B1 (en) | 2021-05-04 | 2022-06-07 | Capital One Services, Llc | Methods, mediums, and systems for applying a display to a transaction card |
| WO2022245292A3 (en) * | 2021-05-18 | 2023-01-26 | Mastercard Asia/Pacific Pte. Ltd. | Identity, payment and access control system |
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