CN1952984A - Safety credit card giving new safety numbers everyday - Google Patents
Safety credit card giving new safety numbers everyday Download PDFInfo
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- CN1952984A CN1952984A CNA2005101139493A CN200510113949A CN1952984A CN 1952984 A CN1952984 A CN 1952984A CN A2005101139493 A CNA2005101139493 A CN A2005101139493A CN 200510113949 A CN200510113949 A CN 200510113949A CN 1952984 A CN1952984 A CN 1952984A
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- credit card
- secure digital
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- day
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Abstract
This invention relates to safety credit card to generate safety digit everyday, wherein, the card top has magnetic bar with same thickness with normal card to read information; the card down pat comprises processor, key or keyboard, battery, display window and program input mouth; when credit card is sent to user to download one special program to credit processor to record bank computation; processor generates one new safety digit according to special program and the safety digit is date function.
Description
Affiliated technical field
The present invention relates to high safety credit card and using method thereof, particularly, no matter in the sales counter payment, or during by phone or internet payment, this credit card can both provide safe handling, eliminates to be forged possibility.
Background technology
In modern society, increasing people use credit card funded payment usually at shopping, overseas travelling, by phone reservations hotel or shopping on the internet etc.When they did like this, they must fully reveal the information of credit card, and this brings risk for card holder and bank.The unprincipled fellow also can steal these information, uses this information forged credit card then.Forged credit card causes bank to lose millions of dollar every year.
At present, credit card is mainly by card holder's name, three information protections of card number and card holder's signature.When the card holder used credit card funded payment, store clerk can be confirmed by phone card holder's name and card number the true and false of this credit card to bank.The card holder signs on invoice, takes the article of purchase then away.Bill will be sent to bank, banker's payment after examining.Such method of operation has two unsafe factors: at first, store clerk can obtain the sufficient information of credit card, and perhaps they reveal or the information that relates to is leakage given forged credit card sheet clique.Secondly, if credit card is forged, former credit card account will be refused to pay.Bank will check invoice and find and forge a signature, but too late, because use the people of forged credit card to take the article of buying away.If payment is carried out by the internet, this is dangerous more, obtains credit card information because the clique of forged credit card can easily trespass the internet.
The safeguard protection information of credit card fully is presented on the credit card: card holder's name, credit card number and card holder's signature.Each use credit card all has the possibility of leakage of information when concluding the business.The leakage part entail dangers to bank and the card holder of any information.In order to strengthen the safety of access, the inventor has proposed many interesting ideas.For example United States Patent (USP) 4,667,087 has proposed a safety credit card and opaque protection thing.Credit card number is buried under this opaque protection thing.This protection thing can bleach after the user imports a proper password.United States Patent (USP) 5,446,273 have appeared a credit card security system.In this system, the card holder imports the exclusive Electronic Coding identification information of each user.System can examine credit card validity by the information of hiding of checking credit card.United States Patent (USP) 5,585,787 have shown a programmable credit card.The proof information of this credit card is by special readable device identification, but can not be discerned by naked eyes.Complete account number and proof information convey to clearinghouse by readable device.United States Patent (USP) 5,742,035 has proposed a credit card includes storage facilities.A geometry matrix is arranged on the thin label, help to authorize the card holder to fetch concrete password.United States Patent (USP) 5,818,030 proposes an access and key modules.This key modules may be inserted into the credit card main body.This programmable key modules can open or close the credit card main body.In addition, credit card number is presented on the LCD.United States Patent (USP) 6,188, the credit card of 309 suggestions require the user to input password.If password is correct, card is activated, and credit card number is read by output device.United States Patent (USP) 6,270,011 has proposed a remote Card Verification system.This system requirements shop adopts the finger mark scanner to obtain the finger mark data, so that credit card company's database is examined the finger mark data.Buy if be used for the internet, bank's authorized device is connected to the user's computer that fingerprint scan is provided, and dispatches finger print data and check to credit card company.These patents can improve the security of credit card, but all will be for every user provides special equipment, so practical application is very difficult.
Yet, also have some patents to provide safety for credit card use on the internet.Such as United States Patent (USP) 5,317,636, this invention studs with processor, mnemonic and a display in credit card.When using this credit card, credit card generates a check digit according to trading order number and cryptographic algorithm.This check digit is sent to computing machine.Computing machine becomes the transaction serial number with the verification digital decoding.If the trading order that stores in this trading order number and the computing machine is number identical, transaction will go through.And after transaction, credit card and computing machine change their trading order numbering separately.United States Patent (USP) 5,478,994 have showed another safety credit card.Credit card has a programmable read-only memory (PROM), can produce a series of random numbers that are predetermined sequence.Behind each use credit card, credit card generates identical random number with principal computer.When the random number of having only the random number that generates when credit card and principal computer to generate was identical, concluding the business just went through.These two patents provide a secured fashion for the transaction of credit card.Except credit number and card holder's name, the number that also must show the another one variation is as safety verification.Even the unprincipled fellow can steal the information of credit card, but they also can't use these information to remove forged credit card.
These methods are fine in theory, and practical application is unworkable.At first, all must ratify during not all Credit Card Payments through credit card company.Secondly, have temporal delay during credit card trade, this can cause the trading order numbering of principal computer to produce mistake.The 3rd, if Credit Card Payments is by the internet, how triggers credit card and main frame and generate next trading order numbering or the like.
Summary of the invention
Target of the present invention provides one and uses simple and safe credit card, and the card holder can be safely by phone and internet payment; The manufacturing expense of this safety credit card is very low, because it uses very simple principle, and does not need to increase any equipment during this safety credit card system applies; After adopting the present invention, credit card company can reduce the loss that a large amount of forged credit cards cause, and potential extended credit card business is arranged in internet shopping, ecommerce or the like.
The objectives of the present invention are to realize that by the safety credit card that produces new secure digital every day automatically this safety credit card mainly is the credit card body, processor, and display window, button, program input interface and battery are formed; The processor of this safety credit card produces a secure digital according to specific program every day, and is presented on the display window.Secure digital is the function on date, and their funtcional relationship is defined by specific program; The card body has two parts, the first half and Lower Half; Being of uniform thickness of the thickness of half one and a common credit card, an and magnetic stripe is arranged, number and signature; The first half of credit card can insert a Daepori communication and read information with card reader; The Lower Half of credit card is then slightly thick, includes processor, display window, button or keyboard and battery; Bank can pass through the program input interface, downloads a specific program to processor, or manufacturer the specific program burning in processor; Processor is according to producing a secure digital this specific program every day (or per half a day, or per hour).This secure digital is the function f on date:
Secure digital=f (day/moon/year).
When the date (day/moon/year) changed, secure digital also can change.The secure digital that also is every day is different.And this function is unique, only belongs to this credit card, and therefore, the program that comprises this function is specific.When the card holder wanted to use credit card funded payment, he also must submit the date of payment and secure digital at that time to except that credit card name and card number must be provided.These data transmissions are to bank (or credit card company) main frame audit.Bank main has credit card account data and specific program, so bank main utilizes specific program to generate a secure digital according to the secure digital on the date of payment and the same day.If these two secure digitals (processor by credit card generates, and another is generated by bank main) are identical, just transaction goes through.
Because secure digital is to change (or per half a day, per hour change) every day, secure digital was effective on payment same day (or half a day, or per hour) just.Therefore, even the data of credit card is stolen by the unprincipled fellow, they also can't remove forged credit card with these data.
The enforcement of this safety credit card does not require that shop, user increase extra equipment.The bank main internal memory also needn't increase, because each credit card account only is to increase a simple program.The expense of unique increase is the manufacturing expense of safety credit card.Because this safety credit card uses very simple several electronic components, the cost of every credit card should be able to fall very lowly when producing in a large number.
For make lose or stolen credit card not stolen, display window can be activated by password, and card number or card holder's name is not imprinted on the credit card.When using credit card, the card holder must input password by button.If password is correct, display window will be opened, and display window just can show card number, card holder's name, date and secure digital.
Description of drawings
The present invention is further described below in conjunction with accompanying drawing and case study on implementation.But the present invention is not limited in following case study on implementation.
Fig. 1. the profile synoptic diagram of safety credit card embodiment 1, have only the ON/OFF key on this safety credit card.
Fig. 2. the profile synoptic diagram of safety credit card embodiment 2 has keyboard on this safety credit card.
Fig. 3. safety credit is stuck in the operation workflow figure of shopping.
Fig. 4. the operation workflow figure that safety credit card is done shopping on the internet.
Among the figure, 1. card body, the 2. first half, 3. Lower Half, 4. magnetic stripe, 5. credit card number, 6. processor, 7. display window, 8. power-supply battery, 9. ON/OFF key, 10. program input port, 11. keyboards,
Embodiment
Fig. 1 is the profile synoptic diagram of safety credit card embodiment 1.1 minute two part of card body, the first half 2 and Lower Half 3.The first half 2 of safety credit card is the same with normal credit card, and a magnetic stripe 4, credit card number 5 and card holder's name and signature arranged.The thickness of the first half 2 of safety credit card is the same with normal credit card.Therefore the first half 2 of safety credit card can insert a common credit card card reader and go to read information.The Lower Half 3 of safety credit card is thick slightly, so that be bumped into electronic component.Processor 6, display window 7, power-supply battery 8, ON/OFF key 9, and be set in Lower Half 3 in the program input port 10.Those electronic components may be installed in PCB and go up (printed circuit board) and other necessary electronic element, such as resistance, capacitor etc. (not showing on the figure).They also may gather and form one or two composite module (on the figure not show).Before credit card was issued the user, bank downloaded to processor 6 with specific program by input port 10.This specific program can be according to producing a new secure digital every day on date (day/moon/year) (or per half a day, or per hour).Secure digital is the function on date:
Secure digital=f (DD/MM/YY)
Here provide and obtain 6 secure digital examples:
First double figures a1a2:
a1a2＝|100-int(DD×4.6)|
DD is the date, second double figures a3a4:
a3a4＝int||DD-MM|×3.2-98|
MM is month, the 3rd double figures a5a6:
a5a6＝int(|DD/YY-MM|×5.8)
YY is year." int " is that calculation command arrangement numeral is as integer.Numeral 100,4.6,3.2,98 and 5.8 is optional numerals.
For example, be 28/07/03 when the date, it is 28 30 13 (a1a2a3a4 a5a6) that secure digital is calculated by these 3 formula.
At second day, the date became 29/07/03, and secure digital becomes 33 27 15.
These examples illustrate that clearly secure digital can change along with the variation on date (DD/MM/YY).Secure digital is not limited to numeral, and it also can be the combination of letter and number.
Before a safety credit card was issued the user, bank downloaded to the processor 6 of credit card to this specific program, and this specific program includes the formula of computationally secure numeral, and this specific program belongs to this credit card account, was unique therefore.Produce a new secure digital this specific program every day (or per half a day, or per hour).Bank is left this specific program under the account of this credit card in.When the card holder used credit card funded payment, he was by ON/OFF key 9, and date and secure digital just are presented on the display window 7.The card holder must submit the possessory name of credit card, card number, and the date of payment and secure digital are at that time given store clerk or are given supplier by internet or phone.This information is sent to bank then and examines.Bank retrieves corresponding account and the specific program of this account, and this specific program calculates secure digital according to the date of payment.If the secure digital that these two secure digitals-credit card produces is identical with the secure digital that bank is calculated, just the transaction approval, otherwise refusal.Because secure digital is to change every day (or per half a day, or per hour), even the information of credit card is divulged, can not make credit card user and bank bring risk, because the unprincipled fellow can't carry out illegal payment or forged credit card according to the information of this variation yet.
Safety credit card can also be protected when credit card is lost and exempt from by steal.Embodiment 2 referring to Fig. 2 has keyboard 11 on this credit card, and card number and card holder's name is not imprinted on the credit card.When the card holder uses credit card at every turn, he must be by 11 pairs of safety credit card inputs of keyboard password, if password is correct, card holder's name, card number, date and secure digital are presented at display window 7, if password is wrong, display window 7 does not show.
Fig. 3 sums up a kind of function mode of safety credit card at shopping: the bank clerk downloads to specific program the processor 7 of safety credit card; Specific program comprises: calendar demonstration, cryptographic check and secure digital calculation formula; The bank clerk also is stored in this specific program under the account of this credit card; Safety credit card and password are issued the user then; When the card holder used credit card funded payment, he imported passwords to credit card by keyboard 11; If password is correct, card holder's name, card number, date and secure digital are presented at display window 7; Store clerk is sent to bank to these information; Banking computer searches out the specific program that leaves under the credit card account according to card holder's name and card number, calculates secure digital according to the date of payment again; If these two secure digitals are identical, affirmation will be sent back to the shop.
Fig. 4 illustrates a kind of function mode that safety credit card of the present invention is done shopping on the internet.When credit card user was done shopping on the internet, he sent a purchase order of supplier and his/her credit card information: card holder's name, card number, Order Date and secure digital at that time; After supplier received order, supplier must examine the date that order fills in and whether transmit record date consistent (this step can be eliminated the possibility that illegal apprentice uses other people outdated information to pay the bill) with the order electronics; If the information of payment amount and credit card is sent to bank's audit; Banking computer searches out the specific program that leaves under the credit card account according to card holder's name and card number, calculates secure digital according to the date of payment again; If these two secure digitals are identical, payment amount will transfer supplier's account number from credit card account, and supplier sends ordered goods and gives client.
Safety credit card of the present invention makes shopping online also fool proof.
Claims (7)
1, produce the safety credit card of new secure digital every day, mainly by card body, processor, display window, controller, program Lose inlet and power supply are formed, and it is characterized in that:
Described processor is according to specific program every day (or per half a day, per hour) produce a new secure digital, current date and described secure digital may be displayed on described display window, described secure digital is the function on date, and described secure digital and the funtcional relationship between the date are by this specific program definition;
The Meter of credit card company calculates machine and also stores described specific program, described Meter calculates machine can calculate the secure digital of appointed day by described specific program, and the secure digital of this appointed day is identical with the of even date secure digital of the processor generation of the safety credit card that produces new secure digital described every day.
2, produce the safety credit card of new secure digital every day according to claim 1,
It is characterized in that: described power supply is a battery.
3, produce the safety credit card of new secure digital every day according to claim 1,
It is characterized in that: described controller is a button.
4, produce the safety credit card of new secure digital every day according to claim 1,
It is characterized in that: described controller is a keyboard.
5, produce the safety credit card of new secure digital every day according to claim 1,
It is characterized in that: described display window is LCD (liquid crystal display) window.
6, produce the safety credit card of new secure digital every day according to claim 1,
It is characterized in that: the card body that produce the safety credit card of new secure digital described every day has two parts, the first half and Lower Half, the thickness of the described first half is the same with a normal credit card, and a magnetic stripe is arranged at the described first half, described Lower Half comprises described processor, display window, power supply, controller and program input port.
7, produce the safety credit card of new secure digital every day according to claim 1,
It is characterized in that: described processor, display window, program input port, controller and power supply can be combined in one or two composite modules.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2005101139493A CN1952984A (en) | 2005-10-17 | 2005-10-17 | Safety credit card giving new safety numbers everyday |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2005101139493A CN1952984A (en) | 2005-10-17 | 2005-10-17 | Safety credit card giving new safety numbers everyday |
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| Publication Number | Publication Date |
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| CN1952984A true CN1952984A (en) | 2007-04-25 |
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| Application Number | Title | Priority Date | Filing Date |
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| CNA2005101139493A Pending CN1952984A (en) | 2005-10-17 | 2005-10-17 | Safety credit card giving new safety numbers everyday |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101162996B (en) * | 2007-11-16 | 2012-11-14 | 李巩令 | Multiple dynamic cipher device authorization identifying system and identifying method thereof |
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2005
- 2005-10-17 CN CNA2005101139493A patent/CN1952984A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101162996B (en) * | 2007-11-16 | 2012-11-14 | 李巩令 | Multiple dynamic cipher device authorization identifying system and identifying method thereof |
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| WD01 | Invention patent application deemed withdrawn after publication |