CN101609576B - Credit card signature detection system and method capable of improving transaction security - Google Patents
Credit card signature detection system and method capable of improving transaction security Download PDFInfo
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- CN101609576B CN101609576B CN2008101302268A CN200810130226A CN101609576B CN 101609576 B CN101609576 B CN 101609576B CN 2008101302268 A CN2008101302268 A CN 2008101302268A CN 200810130226 A CN200810130226 A CN 200810130226A CN 101609576 B CN101609576 B CN 101609576B
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Abstract
The invention relates to a credit card signature detection system and method capable of improving transaction security. The credit card signature detection system comprises a card-swiping device and a credit card server, wherein the card-swiping device is used for allowing a user to swipe by a credit card for a transaction and generating a signature authentication request containing credit card data and a bill for a consumer to sign; the credit card server comprises a credit card database with a large number of preliminarily stored credit card data, and each credit card data corresponds to an authentication signature of a credit card holder; the credit card server is used for receiving the signature authentication request, searching the credit card database according to the credit card data in the signature authentication request, generating an authentication signature corresponding to the credit card data, transmitting the authentication signature to the card-swiping device and displaying the authentication signature on the card-swiping device; and the authentication signature on the card-swiping device is compared with the signed consumer signature to judge the accordance so as to decide whether the transaction is approved or not.
Description
Technical field
The invention relates to a kind of credit card signature detection system and method that improves transaction security, refer in particular to a kind of whether the signature and one show the system and method that improves transaction security by comparison authentication signature and consumer.
Background technology
In recent years, because the use of credit card is more and more in vogue and convenient, and the raising of the rate that holds, the incident of forged credit card, robber's brush also just emerges in an endless stream, and not only makes society in popular anxiety, also seriously influences civil order, and the crime gimmick is also stolen brush from a spot of forgery, evolve to and utilize the chip forgery of copying illegally in a large number, and forged credit card peddled to not specific people steal brush, during crime almost can't set up defences in ground.
Present back of credit cards all has holder's signature, when with credit card trade, all be on signing a bill, to sign, check whether consistently again by the salesman, determine whether concluding the business with back of credit cards holder's signature by the consumer, yet, because the salesman is not a bibliotist, the judgement of identifying the handwriting is very limited, therefore, the criminal just can steal the brush credit card easily as long as imitation is signed after finding credit card or stealing credit card.And if the criminal uses is forged credit card, because the signature on the forged credit card also forges, so the easier brush of stealing.
Therefore, if will take precautions against the in vogue of robber's brush transaction, just must make and steal the probability reduction that the brush person makes a breakthrough smoothly, after some time, allow robber's brush person feel to use the pseudo-difficulty of blocking to increase, use the people of puppet card to reduce naturally, the problem of forged credit card, robber's brush just can achieve a solution.
Summary of the invention
The object of the present invention is to provide a kind of credit card signature detection system and method that improves transaction security,, avoid credit card stolen brush and cause damage to improve the credit card trade security.
According to a characteristic of the present invention, the credit card signature detection system of the improved transaction security that is proposed comprises:
One brushing card device and a credit card server, wherein, brushing card device is swiped the card on brushing card device carrying out a transaction for a credit card, and brushing card device produces one and comprises the signature authentication request of credit card information, and produces one and sign a bill for the consumer in the signature of signing a bill.Credit card server comprises a credit card database of most the credit card informations that prestore, each credit card information is to there being a credit cardholder authentication signature, credit card server is in order to receive the signature authentication request, and search credit card database according to the credit card information in the signature authentication request, generation is corresponding to an authentication signature of credit card information, and authentication signature sent to brushing card device and show authentication signature on brushing card device, whether consistent by the authentication signature on the comparison brushing card device with consumer's signature of signing a bill, conclude the business to determine whether to check and approve.
According to another characteristic of the present invention, the credit card signature inspection method of the improved transaction security that is proposed is to swipe the card on a brushing card device to carry out a transaction for a credit card, brushing card device is connected to a credit card server via a network, credit card server comprises a credit card database of most the credit card informations that prestore, each credit card information is to there being a credit cardholder authentication signature, this method comprises the following steps: that being stuck in brushing card device with credit swipes the card, producing one signs a bill for the consumer in the signature of signing a bill, and produce a signature authentication request that comprises credit card information, the signature authentication request is sent to credit card server; Credit card server is searched credit card database according to the credit card information in the signature authentication request, produces the authentication signature corresponding to credit card information, and sends authentication signature to brushing card device; On brushing card device, show authentication signature, whether consistent with the authentication signature on the comparison brushing card device with consumer's signature of signing a bill; If it is consistent that the authentication signature on the brushing card device and the consumer who signs a bill sign, then check and approve and conclude the business and carry out subsequent transaction action, if not, then refuse to conclude the business.
In other words, the credit card signature inspection method that improves transaction security of the present invention, on a brushing card device, swipe the card to carry out a transaction for a credit card, this brushing card device is connected to a credit card server via a network, this credit card server comprises a credit card database of most the credit card informations that prestore, each credit card information is to there being a credit cardholder authentication signature, and this method comprises the following steps:
(A) be stuck in this brushing card device with this credit and swipe the card, produce one and sign a bill for the consumer, and produce a signature authentication request that comprises credit card information, this signature authentication request is sent to this credit card server in this signature of signing a bill;
(B) this credit card server is searched this credit card database according to the credit card information in this signature authentication request, produces the authentication signature corresponding to this credit card information, and sends this authentication signature to this brushing card device;
(C) show this authentication signature on this brushing card device, whether the authentication signature of comparing on this brushing card device is consistent with this consumer who signs a bill signature; And
(D) consistent if the authentication signature on this brushing card device and consumer that this is signed a bill sign, then check and approve and carry out this transaction and carry out subsequent transaction action, if not, then refuse to carry out this transaction.
The described credit card signature inspection method that improves transaction security, wherein, in step (A), this brushing card device is meant a machine for punching the card or a computer equipment.
The described credit card signature inspection method that improves transaction security, wherein, in step (A), this credit card information comprises this credit cardholder's personal credit data and personal data.
The described credit card signature inspection method that improves transaction security, wherein, in step (B), this authentication signature may be selected to be one of them of a symbol, numeral, literal, significant character and special graph.
The described credit card signature inspection method that improves transaction security, wherein, in step (C), this brushing card device also comprises one can be in order to show the display screen of this signature.
The described credit card signature inspection method that improves transaction security wherein, has an identification signature on this credit card, this identification signature is different from this authentication signature.
The credit card signature detection system that improves transaction security of the present invention comprises:
One brushing card device is swiped the card on this brushing card device carrying out a transaction for a credit card, and this brushing card device produces one and comprises the signature authentication request of credit card information, and produces one and sign a bill for the consumer in this signature of signing a bill; And
One credit card server, a credit card database that comprises most the credit card informations that prestore, each credit card information is to there being a credit cardholder authentication signature, this credit card server is in order to receive this signature authentication request, and search this credit card database according to the credit card information in this signature authentication request, generation is corresponding to an authentication signature of this credit card information, and send this authentication signature to this brushing card device and on this brushing card device, show this authentication signature, whether consistent by the authentication signature on this brushing card device of comparison with this consumer who signs a bill signature, carry out this transaction to determine whether to check and approve.
The described credit card signature detection system that improves transaction security, wherein, this signature authentication request is to send this credit card server by a transfer mechanism to from this brushing card device, this transfer mechanism is that a wired connection, wireless connections or network connect.
The described credit card signature detection system that improves transaction security, wherein, this brushing card device is meant a machine for punching the card or a computer equipment.
The described credit card signature detection system that improves transaction security, wherein, this credit card information comprises this credit cardholder's personal credit data and personal data.
The described credit card signature detection system that improves transaction security, wherein, this authentication signature may be selected to be one of them of a symbol, numeral, literal, significant character and special graph.
The described credit card signature detection system that improves transaction security, wherein, this brushing card device is arranged at a businessman.
The described credit card signature detection system that improves transaction security, wherein, the paper that this is signed a bill and prints into this brushing card device.
The described credit card signature detection system that improves transaction security, wherein, this brushing card device also comprises one can be in order to show the display screen of this authentication signature.
The described credit card signature detection system that improves transaction security, wherein, this is signed a bill and is shown on the display screen of this brushing card device.
By enforcement of the present invention, can improve the credit card trade security really, avoid credit card stolen brush and cause damage.
Description of drawings
Figure 1A is the credit card signature detection system synoptic diagram of the improved transaction security of a preferred embodiment of the present invention.
Figure 1B is stuck in brushing card device with credit to swipe the card and produce a synoptic diagram of signing a bill.
Fig. 2 is the credit card signature inspection method process flow diagram of the improved transaction security of a preferred embodiment of the present invention.
Primary clustering symbol description in the accompanying drawing:
Screen 113 credit card servers 120
Identification signature 131 signs a bill 140
The consumer 141 step S201～S208 that sign
Embodiment
For more understanding technology contents of the present invention, be described as follows especially exemplified by a preferred embodiment.
Figure 1A is the credit card signature detection system synoptic diagram of the improved transaction security of a preferred embodiment of the present invention, as shown in the figure, system of the present invention comprises: brushing card device 110 and credit card server 120, credit card server 120 comprises the credit card database 121 of most the credit card informations that prestore, and credit card information comprises credit cardholder's personal credit data and personal data, and the authentication signature 111 of each credit card information to a credit cardholder should be arranged, it is by a transfer mechanism that the data that brushing card device 110 and credit card server are 120 transmit, and this transfer mechanism can be a wired connection, wireless connections, or network connects.Brushing card device 110 can be machine for punching the card or the computer equipment that is arranged at a businessman.
Figure 1B is stuck in brushing card device with credit to swipe the card and produce a synoptic diagram of signing a bill.Fig. 2 is the credit card signature inspection method process flow diagram of the improved transaction security of a preferred embodiment of the present invention, please in the lump with reference to Figure 1A, shown in Figure 1B, method of the present invention is to swipe the card on brushing card device 110 to conclude the business with credit card 130 for the user, as the use habit of credit card, the one identification signature of being signed by the user 131 is arranged on the credit card 130, brushing card device 110 is connected to credit card server 120 via network, method of the present invention comprises the following steps: at first, the user swipes the card in brushing card device 110 with credit card 130, produce one sign a bill 140 for the consumer in the signature on 140 of signing a bill, be consumer 141 (please in the lump with reference to the Figure 1B) that sign, and produce a signature authentication request that comprises credit card information, the signature authentication request is sent to credit card server 120 (step S201); Credit card server 120 is searched credit card database 121 according to the credit card information in the signature authentication request again, produces the authentication signature corresponding to credit card information, and sends authentication signature to brushing card device 110 (step S203); Then on brushing card device 110, show authentication signature 111, with the authentication signature 111 on the comparison brushing card device 110 and 140 the consumer of signing a bill 141 whether consistent (the step S205) that sign; If it is 141 consistent that the authentication signature 111 on the brushing card device 110 and 140 the consumer of signing a bill sign, then check and approve and conclude the business and carry out subsequent transaction action (step S207), if it is 141 inconsistent that the authentication signature on the brushing card device 110 111 and 140 the consumer of signing a bill sign, refusal conclude the business (step S208) then.
Wherein, in step S203, authentication signature 111 may be selected to be a symbol, numeral, literal, significant character and special graph one of them.For example be to add numeral or symbol with holder's name, name that perhaps can also the right and wrong holder, or the figure of a special drafting etc., and the authentication signature 111 of credit card 130 correspondences is to be different from the identification signature 131 of actual label on credit card 130, be forged with the identification signature 131 that prevents credit card 130 and make credit card 130 stolen brushes, that is, actual is the signature (authentication signature 111) in the credit card database 121 that is different from fully at credit card server 120 at the signature of being seen on the credit card 130 (identification signature 131), for example the identification signature 131 of credit cardholder king Xiao Ming on its credit card is " Wang Xiaoming ", but the authentication signature 111 of this credit card in the credit card database 121 of credit card server 120 is " Wang Dahua ", therefore lose or stolen when credit card, winner or burglar can not learn that the authentication signature 111 of this credit card in credit card database 121 is " Wang Dahua " by credit card, according to and effectively prevent the stolen brush of credit card may.Brushing card device 110 comprises screen 113, in order to show authentication signature 111.140 paper of printing for brushing card device 110 of signing a bill, perhaps, signing a bill 140 also can directly be shown on the screen 113 of brushing card device 110, and the consumer can be directly in the signature of signing a bill that is shown on the screen 113.
By above explanation as can be known, credit card signature detection system and the method that improves transaction security of the present invention, be that will sign a bill consumer on 140 signs and 141 compares with the authentication signature 111 that is shown in the screen 113 of brushing card device 110, but not the consumer on 140 of will signing a bill signs and 141 compares with the identification signature 131 of credit card 130, because non-holder can't know the authentication signature of credit cardholder in credit card database 121 in advance, therefore just can't steal brush by the mode of the identification signature 131 of forged credit card 130, also can prevent the side record, can effectively improve transaction security, reduce and steal the loss that the brush problem is caused, more owing to are authentication signature 111 in the credit card database 121 that is different from fully at credit card server 120 at identification signature on the credit card 130 131, so stealing the brush person is easy to be penetrated by the salesman when businessman steals the brush credit card, based on the principle of having a guilty conscience, as a thief, possible salesman sees and steals brush person a glance, steal the brush person and promptly take to one's heels, thereby significantly reduce card number and the number of times of stealing brush.
So, not only issuing bank is benefited, also reduce credit card card holder's puzzlement (as: more the transaction of change card and the pseudo-card of proof is not the inconvenience that my consumer behavior causes), when also worrying swiping the card, the credit card user can not be logged, make the holder no longer worry the risk of stolen brush, can feel at ease to use the credit card purchase transaction.
The foregoing description only is to give an example for convenience of description, and the claim scope that the present invention advocated is from should but not only limiting to the foregoing description with described being as the criterion of claim scope of application.
Claims (14)
1. credit card signature inspection method that can improve transaction security, on a brushing card device, swipe the card to carry out a transaction for a credit card, has an identification signature of signing by the user on this credit card, this brushing card device has a display screen and is connected to a credit card server via a network, this credit card server comprises a credit card database of most the credit card informations that prestore, each credit card information is to there being a credit cardholder authentication signature, and this method comprises the following steps:
(A) be stuck in this brushing card device with this credit and swipe the card, produce one and sign a bill for the consumer, and produce a signature authentication request that comprises credit card information, this signature authentication request is sent to this credit card server in this signature of signing a bill;
(B) this credit card server is searched this credit card database according to the credit card information in this signature authentication request, generation is corresponding to an authentication signature of this credit card information, and send this authentication signature to this brushing card device, wherein, this identification signature is different from this authentication signature;
(C) show this authentication signature on the display screen of this brushing card device, whether the authentication signature of comparing on this brushing card device is consistent with this consumer who signs a bill signature; And
(D) consistent if the authentication signature on this brushing card device and consumer that this is signed a bill sign, then check and approve and carry out this transaction and carry out subsequent transaction action, if not, then refuse to carry out this transaction.
2. the credit card signature inspection method that improves transaction security as claimed in claim 1, wherein, in step (A), this brushing card device is meant a machine for punching the card or a computer equipment.
3. the credit card signature inspection method that improves transaction security as claimed in claim 1, wherein, in step (A), this credit card information comprises this credit cardholder's personal credit data and personal data.
4. the credit card signature inspection method that improves transaction security as claimed in claim 1, wherein, in step (B), this authentication signature is a symbol
5. the credit card signature inspection method that improves transaction security as claimed in claim 4, wherein, this symbol be the numeral, literal one of them.
6. credit card signature detection system that can improve transaction security for using a credit card to carry out a transaction, has an identification signature of being signed by the user on this credit card, this system comprises:
One brushing card device has a display screen, swipes the card on this brushing card device carrying out a transaction for a credit card, and this brushing card device produces one and comprises the signature authentication request of credit card information, and produces one and sign a bill for the consumer in this signature of signing a bill; And
One credit card server, a credit card database that comprises most the credit card informations that prestore, each credit card information is to there being a credit cardholder authentication signature, this credit card server is in order to receive this signature authentication request, and search this credit card database according to the credit card information in this signature authentication request, generation is corresponding to an authentication signature of this credit card information, and send this authentication signature to this brushing card device and on the display screen of this brushing card device, show this authentication signature, whether consistent by the authentication signature on this brushing card device of comparison with this consumer who signs a bill signature, carry out this transaction to determine whether to check and approve, wherein, this identification signature is different from this authentication signature.
7. the credit card signature detection system that improves transaction security as claimed in claim 6, wherein, this signature authentication request is to send this credit card server by a transfer mechanism to from this brushing card device, and this transfer mechanism is that a wired connection, wireless connections or network connect.
8. the credit card signature detection system that improves transaction security as claimed in claim 6, wherein, this brushing card device is meant a machine for punching the card or a computer equipment.
9. the credit card signature detection system that improves transaction security as claimed in claim 6, wherein, this credit card information comprises this credit cardholder's personal credit data and personal data.
10. the credit card signature detection system that improves transaction security as claimed in claim 6, wherein, this authentication signature is a symbol.
11. the credit card signature detection system that improves transaction security as claimed in claim 10, wherein, this symbol be the numeral, literal one of them.
12. the credit card signature detection system that improves transaction security as claimed in claim 6, wherein, this brushing card device is arranged at a businessman.
13. the credit card signature detection system that improves transaction security as claimed in claim 6, wherein, the paper that this is signed a bill and prints into this brushing card device.
14. the credit card signature detection system that improves transaction security as claimed in claim 6, wherein, this is signed a bill and is shown on the display screen of this brushing card device.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2008101302268A CN101609576B (en) | 2008-06-16 | 2008-06-16 | Credit card signature detection system and method capable of improving transaction security |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2008101302268A CN101609576B (en) | 2008-06-16 | 2008-06-16 | Credit card signature detection system and method capable of improving transaction security |
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| CN101609576A CN101609576A (en) | 2009-12-23 |
| CN101609576B true CN101609576B (en) | 2011-10-19 |
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Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1183186A (en) * | 1995-05-08 | 1998-05-27 | 图象数据公司 | Positive identification system and method |
| CN1338092A (en) * | 1999-02-17 | 2002-02-27 | 奥列格·阿纳托利耶维奇·组罗塔瑞夫 | Method enabling a purchaser to ash for the execution of an obligation related to a card and enabling an emitter to recognise said obligation |
| CN1670775A (en) * | 2005-03-29 | 2005-09-21 | 陈卫国 | Operation of bank card and service acceptance system and its authentication technology system |
| CN1838187A (en) * | 2006-04-29 | 2006-09-27 | 北京飞天诚信科技有限公司 | Implementation method for applying bank car to identity authentication |
| CN101165726A (en) * | 2006-10-19 | 2008-04-23 | 胡乐乐 | Method and system for preventing credit card embezzlement |
-
2008
- 2008-06-16 CN CN2008101302268A patent/CN101609576B/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1183186A (en) * | 1995-05-08 | 1998-05-27 | 图象数据公司 | Positive identification system and method |
| CN1338092A (en) * | 1999-02-17 | 2002-02-27 | 奥列格·阿纳托利耶维奇·组罗塔瑞夫 | Method enabling a purchaser to ash for the execution of an obligation related to a card and enabling an emitter to recognise said obligation |
| CN1670775A (en) * | 2005-03-29 | 2005-09-21 | 陈卫国 | Operation of bank card and service acceptance system and its authentication technology system |
| CN1838187A (en) * | 2006-04-29 | 2006-09-27 | 北京飞天诚信科技有限公司 | Implementation method for applying bank car to identity authentication |
| CN101165726A (en) * | 2006-10-19 | 2008-04-23 | 胡乐乐 | Method and system for preventing credit card embezzlement |
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| CN101609576A (en) | 2009-12-23 |
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