CN102542672A - System and method for actively preventing information cards from being stolen - Google Patents
System and method for actively preventing information cards from being stolen Download PDFInfo
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- CN102542672A CN102542672A CN2010106014955A CN201010601495A CN102542672A CN 102542672 A CN102542672 A CN 102542672A CN 2010106014955 A CN2010106014955 A CN 2010106014955A CN 201010601495 A CN201010601495 A CN 201010601495A CN 102542672 A CN102542672 A CN 102542672A
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- release
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Abstract
The invention relates to the technical field of information card and system secure transaction, in particular to a system and a method for actively preventing information cards from being stolen. The system consists of an information card business process system (1), a payment terminal (2) and an information card (3). By automatically updating dynamic codes after a cardholder operates with the card each time, the cardholder can update the dynamic codes of the information card automatically actively, and accordingly the information card can be effectively prevented from being cloned or stolen, the cardholder can be out of the passive situation and property and benefit of the cardholder are protected to the utmost extent. In addition, the system and the method are on the basis of transection payment methods and systems, such as a bank card system, which are commonly used for existing information cards, and accordingly are simple and feasible and convenient to be applied and popularized.
Description
Technical field
The present invention relates to the technical field of release and security of system transaction, be specially the System and method for that a kind of active prevents that effectively release is stolen.
Background technology
As everyone knows, various releases (comprising bank card, deposit card, various business transaction card among this paper) are flooded with people's life and work each side, have become the requisite carry-on partner of people.
Popularize along with what use, embezzlement of bank card, incident such as applied mechanically are also more and more, have had a strong impact on social harmonious atmosphere, the affect people's property safety.We hear so-and-so's embezzlement of bank card often, and card is by bootlegging, and password is stolen, and deposit is stolen or the like ...Holder's rights and interests can not well be protected, and the holder also has no alternative after being compromised, and the public security department that only clamps on has solved a case, and legal holder is in passive impaired status all the time ...
For this reason, how people solve difficult problems such as release is stolen, quilt is applied mechanically in active research.To be 200710041857.8 " a kind of methods that increase credit card, bank card financing security " describe in 24 row at the 1st page of the 17th row of its instructions application number " the main means that ensure card clients fund safety in the prior art are that payment cipher is set; but still exist account stolen by phenomenons such as clones; people are always in effort for this reason, such as one Chinese patent application: " Ciphor safety technology " (publication number: CN1462020); " a kind of multi-cipher safety payment method " (publication number: CN1435787); Basically advocate to set when the depositor opens an account two or more passwords, one of them password is made the password of depositor's accessed in normal money, and another or more than one password are then as depositor's security code.This technology imagination is because enlarged the working range of bank; Hope that the personnel of bank take on guard's responsibility simultaneously; Simultaneously being difficult to so lack operability promote " because holder or depositor cause the consequence of misunderstanding with chaotic to bring bank because of error code.So this invention has taked to be provided with " password is stopped payment in the freezing of funds of customer account "; Find that the client card loses or think when running into the fund unsafe factor; The preservation measures of adopting. this with report the loss and stop card and cancel at the calling application of usefulness at present; Do not have essential distinction, just want to review nuclear applicant's identity.And this come into force immediately freeze the normal execution that right has also limited bank's existing business, for example there be related the refund in the client, expires to refund automatically etc.So operability is had a greatly reduced quality.
In order to improve the anti-ability of usurping of release; The present invention provides a kind of can initiatively effectively prevent the system and method that release is stolen; Make the holder after release suffers that unauthorized theft is suffered in bootlegging and card number and password; Can make the holder obtain initiatively the also controlled chance of handling, particularly after each transaction payment, in time initiatively on any other payment terminal, once not have the plug-in card of real trade payment and move back the card operation; Just can prevent the above-mentioned harm that possibly usurp situation, convenient and swift.Because the holder has accomplished the change of dynamic password under the situation that need not import payment cipher; Even release information and payment cipher are stolen also harmless during a preceding transaction payment; Can prevent effectively that property is that unauthorized person is stolen on holder's the card, protect holder's right effectively.
Summary of the invention
The invention provides and a kind ofly can initiatively effectively prevent the system and method that release is stolen; Can independently carry out initiatively release being accomplished the renewal of dynamic by the holder; Prevent that effectively release from being cloned and usurping; Make the holder break away from passive helpless situation, at utmost protect holder's property and interests.
The present invention is based on existing information card transaction payment mode and system commonly used; When the transaction payment, the holder carries out transaction payment with release through the transaction payment terminal, after the bank payment services system verification holder relevant information like most of bank card systems; Can require the holder to confirm Transaction Information and import payment cipher; Can send a short message simultaneously to holder's mobile phone, the prompting holder concludes the business and relevant information with release, and this short message in most cases has been a suggesting effect; Because this short message and transaction payment itself do not have direct binding effect; If stolen, because the holder not at the scene, can not handle even if pinpoint the problems in real time.The present invention has then carried out improvement in essence on the basis that utilizes above-mentioned transaction payment operation system commonly used; Provide a kind of and can initiatively effectively prevent the system that release is stolen, system is the same with the transaction payment operation system of using always to be made up of release transaction processing system, payment terminal, release.Benly be that wherein the characteristic of payment terminal is that payment terminal has the parts that write are read and stored to the release information of carrying out.
Active of the present invention prevents that effectively the stolen System and method for of release from is characterized in that in the routine information card, on original holder's identity information storage unit and accounts information storage unit basis, sets up a dynamic storage unit; Corresponding is in each cardholder information data recording of corresponding information card business system, to set up a dynamic document data record simultaneously.And the characteristic of dynamic storage unit according to the invention is the dynamic when card is moved back in the last time of stored record of the dynamic storage unit in release.
A kind of active provided by the invention effectively prevents the System and method for that release is stolen; Its concrete implementation method is that effective information card and corresponding release transaction processing system are expanded respectively; Set up a dynamic storage unit and set up a dynamic document data record; When each release transaction processing system obtained release online information through payment terminal, online information comprised the dynamic of release sign like dynamic storage unit in card number and the release at least, the release transaction processing system at first be stored in that dynamic compares checking in the corresponding dynamic code data log file; During mistake, shut the book and report to the police; When correct, then generate and send a new dynamic and give payment terminal, and the continuous business process; When release moved back card (off-line), the release transaction processing system was stored in new dynamic in the corresponding dynamic code data log file, by payment terminal new dynamic was stored in the dynamic storage unit of release simultaneously.
The characteristic of dynamic according to the invention is to comprise the identifier number of each time of effectively going up machine of release and payment terminal at least and carry out scrambled.And dynamic storage is when moving back card, and the payment terminal machine receives that the holder when moving back the signal of card key, promptly write dynamic, and card is moved back in completion; No matter whether the holder carries out real trade, as long as release normally inserts (reaching the standard grade) and normally withdraws from (off-line) dynamic and all can be updated.
The present invention is based on existing information card commonly used transaction payment mode and system, like most of bank card systems, simple, be convenient to application; On the other hand; Can independently carry out initiatively release being accomplished the renewal of dynamic by the holder; Particularly prevented the loss of holder under the situation that release is taken place reveal and clone and have no to perceive; Prevent that effectively release from being cloned and usurping, make the holder break away from passive helpless situation, at utmost protect holder's property and interests.
Description of drawings
Fig. 1 is a release trading payment system synoptic diagram
Fig. 2 is a release related memory cell synoptic diagram
Fig. 3 is that a kind of active effectively prevents the System and method for functional sequence block diagram that release is stolen
Embodiment
As examples of implementation; With bank credit card payment transactions operation system is background; In conjunction with accompanying drawing a kind of active is prevented that effectively the embodiment of the System and method for that release is stolen from explaining that still, technology of the present invention and scheme are not limited to the content that present embodiment provides.
Fig. 1 is a release trading payment system synoptic diagram, and system mainly is made up of release transaction processing system (1), payment terminal (2), release (3).Wherein, the characteristic of payment terminal is that payment terminal (2) has the parts that write are read and stored to the release information of carrying out.
Fig. 2 is a release related memory cell synoptic diagram; As shown in Figure 2; The active that the present invention relates to prevents that effectively the stolen System and method for of release from is characterized in that setting up a dynamic storage unit (33) on the holder's identity information storage unit (31) and accounts information storage unit (32) basis in the routine information card; Corresponding is in each cardholder information data recording of corresponding information card business system (1), to set up a dynamic document data record (11) simultaneously.And the characteristic of dynamic storage unit according to the invention (33) is the dynamic when card is moved back in dynamic storage unit (33) the last time of stored record in release (3).
Fig. 3 is that a kind of active effectively prevents the System and method for functional sequence block diagram that release is stolen.As shown in Figure 3; Its concrete performing step and functional sequence are that effective information card and corresponding release transaction processing system are expanded respectively; Set up a dynamic storage unit (33) and set up a dynamic document data record (11); When each release transaction processing system (1) obtains release (3) online information through payment terminal (2); The dynamic that online information comprises release sign as card number and the middle dynamic storage unit (33) of release (3) at least is like 091733196188 scrambled 089811763931, representes that this release reached the standard grade through encode 196188 payment terminal of ID at 17: 33 on the 9th; Release transaction processing system (1) at first compares checking with being stored in the middle dynamic of corresponding dynamic code data log file (11), reports to the police during mistake; When correct, then generate and send a new dynamic and give payment terminal (2), the scrambled 160612221951 as 101215192266, the scrambled algorithm can be used the different designs scheme, and the continuous business process, perhaps selects to stop to conclude the business; When release moves back card; Release transaction processing system (1) is stored in new dynamic 160612221951 in the corresponding dynamic code data log file (11), by payment terminal (2) new dynamic 160612221951 is stored in the dynamic storage unit (33) of release (3) simultaneously.And; In the practical implementation process dynamic comprise at least release each effectively on machine time and payment terminal (2) identifier number and carry out scrambled; As being 101215192266 after above-mentioned new dynamic 160612221951 decodings; Wherein 101215 is the line duration of release, representes 12: 15 on the 10th; Another part 192266 is the ID coding of payment terminal.The new dynamic storage of this instance is when moving back card, and the payment terminal machine receives that the holder when moving back the signal of card key, promptly write new dynamic 160612221951, and card is moved back in completion; No matter whether the holder carries out real trade, as long as release normally inserts (reaching the standard grade) and normally withdraws from (off-line) dynamic and all can be updated.
By the present invention and above-mentioned instance; The holder is after each transaction payment; In time initiatively on any other payment terminal, once do not have the plug-in card of real trade payment and move back the card operation, the dynamic of release promptly is updated, if the release relevant information is stolen stolen with password in process of exchange; And the lawless person has cloned release according to the information of stealing; Implement the infringement holder usurp behavior the time because dynamic remains the dynamic that not have change in clone's the release, so release transaction processing system (1) can indication payment terminal (2) be carried out " eating card " also warning.Like this, a kind of active provided by the invention prevents that effectively the stolen System and method for of release from just can realize effectively preventing that release from being cloned and usurping, and makes the holder break away from passive helpless situation, at utmost protects holder's property and interests.
Claims (9)
1. an active prevents that effectively the stolen system of release from being made up of release transaction processing system (1), payment terminal (2), release (3).
2. the characteristic of the said payment terminal of claim 1 is that payment terminal (2) has the parts that write are read and stored to the release information of carrying out.
3. the characteristic of the said release of claim 1 is in the release storer to routine, on original holder's identity information storage unit (31) and accounts information storage unit (32) basis, sets up a dynamic storage unit (33).
4. the characteristic of the said release transaction processing system of claim 1 (1) is in each cardholder information data recording of release operation system (1), sets up a dynamic document data record (11).
5. the characteristic of the said dynamic storage unit of claim 3 (33) is dynamic storage unit (33) the last time of stored record in release (3) dynamic when moving back card.
6. an active prevents that effectively the method for the stolen system of release from being that effective information card and corresponding release transaction processing system are expanded respectively; Set up a dynamic storage unit (33) and set up a dynamic document data record (11); When each release transaction processing system (1) obtains release (3) online information through payment terminal (2); Online information comprises the dynamic of dynamic storage unit (33) in release sign and the release (3) at least; Release transaction processing system (1) at first be stored in that dynamic compares checking in the corresponding dynamic code data log file (11), during mistake, shut the book and eat card and warning; When correct, then generate and send a new dynamic and give payment terminal (2), and the continuous business process; When release moved back card (off-line), release transaction processing system (1) was stored in new dynamic in the corresponding dynamic code data log file (11), by payment terminal (2) new dynamic was stored in the dynamic storage unit (33) of release (3) simultaneously.
7. the characteristic of the said dynamic of claim 6 is to comprise the identifier number of each time of effectively going up machine of release and payment terminal (2) at least and carry out scrambled.
8. the characteristic of the said dynamic of claim 6 is as long as release normally inserts (reaching the standard grade) and normally withdraws from (off-line) dynamic and all can be updated.
9. the characteristic of the said dynamic of claim 6 is, dynamic storage is when moving back card, and the payment terminal machine receives that the holder when moving back the signal of card key, promptly write dynamic, and card is moved back in completion.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010106014955A CN102542672A (en) | 2010-12-13 | 2010-12-13 | System and method for actively preventing information cards from being stolen |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010106014955A CN102542672A (en) | 2010-12-13 | 2010-12-13 | System and method for actively preventing information cards from being stolen |
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| Publication Number | Publication Date |
|---|---|
| CN102542672A true CN102542672A (en) | 2012-07-04 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2010106014955A Pending CN102542672A (en) | 2010-12-13 | 2010-12-13 | System and method for actively preventing information cards from being stolen |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109102658A (en) * | 2018-07-20 | 2018-12-28 | 武汉盛硕电子有限公司 | A kind of recharge method of IC card, encryption method, system and charging pile |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1499398A (en) * | 2002-10-31 | 2004-05-26 | 曾永光 | Digital card online safety inspection system and method of safety inspection |
| US20090077637A1 (en) * | 2007-09-19 | 2009-03-19 | Santos Paulo A | Method and apparatus for preventing phishing attacks |
| CN102129743A (en) * | 2010-01-18 | 2011-07-20 | 上海启电信息科技有限公司 | System for preventing bank card from being stolen |
| CN201984572U (en) * | 2010-12-13 | 2011-09-21 | 周锡卫 | System capable of actively and effectively preventing information cards from being misappropriated |
-
2010
- 2010-12-13 CN CN2010106014955A patent/CN102542672A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1499398A (en) * | 2002-10-31 | 2004-05-26 | 曾永光 | Digital card online safety inspection system and method of safety inspection |
| US20090077637A1 (en) * | 2007-09-19 | 2009-03-19 | Santos Paulo A | Method and apparatus for preventing phishing attacks |
| CN102129743A (en) * | 2010-01-18 | 2011-07-20 | 上海启电信息科技有限公司 | System for preventing bank card from being stolen |
| CN201984572U (en) * | 2010-12-13 | 2011-09-21 | 周锡卫 | System capable of actively and effectively preventing information cards from being misappropriated |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109102658A (en) * | 2018-07-20 | 2018-12-28 | 武汉盛硕电子有限公司 | A kind of recharge method of IC card, encryption method, system and charging pile |
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Application publication date: 20120704 |