CN201984572U - System capable of actively and effectively preventing information cards from being misappropriated - Google Patents

System capable of actively and effectively preventing information cards from being misappropriated Download PDF

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Publication number
CN201984572U
CN201984572U CN2010206765697U CN201020676569U CN201984572U CN 201984572 U CN201984572 U CN 201984572U CN 2010206765697 U CN2010206765697 U CN 2010206765697U CN 201020676569 U CN201020676569 U CN 201020676569U CN 201984572 U CN201984572 U CN 201984572U
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CN
China
Prior art keywords
release
card
information
holder
stolen
Prior art date
Application number
CN2010206765697U
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Chinese (zh)
Inventor
周锡卫
Original Assignee
周锡卫
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Priority to CN2010206765697U priority Critical patent/CN201984572U/en
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Publication of CN201984572U publication Critical patent/CN201984572U/en

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Abstract

The utility model relates to the technical field of information cards and secure system transaction, in particular to a system capable of actively and effectively preventing information cards from being misappropriated. The system comprises an information card service processing system (1), a payment terminal (2) and an information card (3). By adopting a technical scheme which automatically updates dynamic codes each time after operation is carried out with the card, the system enables a card holder to actively update the dynamic code of the information card alone, so that the information card can be effectively prevented from being cloned and misappropriated, consequently, the card holder can get rid of the passive and helpless situation, and the property and interest of the card holder are protected to the max. Moreover, because the technical scheme is based on the transaction payment method and system commonly used by the conventional information cards, such as a bank card system, the system is simple and feasible, and is convenient to apply and popularize.

Description

A kind of active effectively prevents the system that release is stolen
Technical field
The utility model relates to the technical field of release and security of system transaction, and concrete a kind of active effectively prevents the system that release is stolen.
Background technology
As everyone knows, various releases (comprising bank card, deposit card, various business transaction card herein) are flooded with people's life and work each side, have become the requisite carry-on partner of people.
Along with popularizing of using, embezzlement of bank card, incident such as applied mechanically are also more and more, have had a strong impact on social harmonious atmosphere, 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 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 depositor's the password of normally depositing and withdrawing, 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, wish that the personnel of bank take on guard's responsibility simultaneously, simultaneously being difficult to popularization so lack operability " because holder or depositor cause misunderstanding and chaotic consequence 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 utility model provides a kind of can initiatively effectively prevent the system that release is stolen, make the holder after release suffers that unauthorized theft is suffered in bootlegging and card number and password, the holder is obtained initiatively and the controlled chance of handling, particularly 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, just can prevent the above-mentioned harm that may usurp situation, convenient and swift.Because the holder has finished 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 utility model provides a kind of can initiatively effectively prevent the system that release is stolen; can independently carry out initiatively release being finished the renewal of dynamic sign indicating number 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 utility model is based on existing information card transaction payment mode and system commonly used, as most of bank card systems when the transaction payment, the holder carries out transaction payment with release by the transaction payment terminal, after the bank payment services system verification holder relevant information, 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, 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 it is stolen, because the holder not at the scene, can not handle in real time even if pinpoint the problems.The utility model 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, form by release transaction processing system (1), payment terminal (2), release (3), it is characterized in that release (3) can insert the payment terminal (2) that interconnects with release transaction processing system (1).
Benly be, described a kind of active effectively prevents the system that release is stolen, it is characterized in that payment terminal (2) has the parts that write are read and stored to the release information of carrying out.
A kind of active that the utility model proposes effectively prevents the system that release is stolen, it is characterized in that in the release storer, on original holder's identity information storage unit (31) and accounts information storage unit (32) basis, set up a dynamic code memory unit (33).
A kind of active described in the utility model effectively prevents the system that release is stolen, it is characterized in that setting up dynamic code data log file (11) in release transaction processing system (1).
And the feature of dynamic code memory unit described in the utility model (33) is the dynamic sign indicating number when card is moved back in dynamic code memory unit (33) the last time of stored record in release (3).
A kind of active that the utility model proposes effectively prevents the system that release is stolen, its specific implementation method is that effective information card and corresponding release transaction processing system are expanded respectively, set up a dynamic code memory unit (33) and set up a dynamic code data log file (11), when each release transaction processing system (1) obtains release (3) online information through payment terminal (2), online information comprises the dynamic sign indicating number of release sign as dynamic code memory unit (33) in card number and the release (3) at least, at first sign indicating number compares checking to release transaction processing system (1) with being stored in the corresponding dynamic code data log file (11) dynamically, during mistake, shut the book and report to the police; When correct, then generate and send a new dynamically sign indicating number and give payment terminal (2), and the continuous business process, perhaps select to stop to conclude the business; When release moves back card (off-line), release transaction processing system (1) is stored in new dynamically sign indicating number in the corresponding dynamic code data log file (11), by payment terminal (2) new dynamically sign indicating number is stored in the dynamic code memory unit (33) of release (3) simultaneously; No matter whether the holder carries out real trade,, release all can be updated as long as normally inserting (reaching the standard grade) and normally withdraw from (off-line) dynamic sign indicating number.
The feature of dynamic sign indicating number described in the utility model 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.And dynamically the sign indicating number storage is when moving back card, and the payment terminal machine receives that the holder when moving back the signal of card key, promptly writes dynamic yard, and finishes and move back card; No matter whether the holder carries out real trade,, release all can be updated as long as normally inserting (reaching the standard grade) and normally withdraw from (off-line) dynamic sign indicating number.
The utility model is based on existing information card commonly used transaction payment mode and system, and is as most of bank card systems, simple, be convenient to application; On the other hand; can independently carry out initiatively release being finished the renewal of dynamic sign indicating number by the holder; prevent that effectively release from being cloned and usurping; particularly prevented the loss of holder under the situation that release is taken place reveal and clone and have no to perceive; 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 the functional sequence block diagram that a kind of active effectively prevents the stolen system of release
Embodiment
As examples of implementation, with bank credit card payment transactions operation system is background, in conjunction with the accompanying drawings a kind of active is prevented that effectively the embodiment of the system that release is stolen is described, still, technology of the present utility model and scheme are not limited to the content that present embodiment provides.
Fig. 1 is a release trading payment system synoptic diagram, system mainly is made up of release transaction processing system (1), payment terminal (2), release (3), it is characterized in that release (3) can insert the payment terminal (2) that interconnects with release transaction processing system (1).Wherein, the feature 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, the active that relates to of the utility model effectively prevents the system that release is stolen as shown in Figure 2, it is characterized in that setting up a dynamic code memory 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 code data log file (11) simultaneously.And the feature of dynamic code memory unit described in the utility model (33) is the dynamic sign indicating number when card is moved back in dynamic code memory unit (33) the last time of stored record in release (3).
Fig. 3 is the functional sequence block diagram that a kind of active effectively prevents the stolen system of release.As shown in Figure 3, its specific implementation step and functional sequence are that effective information card and corresponding release transaction processing system are expanded respectively, set up a dynamic code memory unit (33) and set up a dynamic code data log file (11), when each release transaction processing system (1) obtains release (3) online information through payment terminal (2), online information comprises release sign as the dynamically dynamic sign indicating number of code memory unit (33) as 091733196188 scrambled 089811763931 in card number and the release (3) at least, represents that this release reached the standard grade by encode 196188 payment terminal of ID at 17: 33 on the 9th; At first sign indicating number compares checking to release transaction processing system (1) with being stored in the corresponding dynamic code data log file (11) dynamically, reports to the police during mistake; When correct, then generate and send a new dynamically sign indicating number 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 dynamically sign indicating number 160612221951 in the corresponding dynamic code data log file (11), by payment terminal (2) new dynamically sign indicating number 160612221951 is stored in the dynamic code memory unit (33) of release (3) simultaneously.And, in specific implementation process dynamically sign indicating number comprise at least release each effectively on time of machine and payment terminal (2) identifier number and carry out scrambled, as being 101215192266 after above-mentioned new dynamically sign indicating number 160612221951 decodings, wherein 101215 is the line duration of release, represents 12: 15 on the 10th; Another part 192266 is the ID coding of payment terminal.The new dynamically sign indicating number storage of this example is when moving back card, and the payment terminal machine receives that the holder when moving back the signal of card key, promptly writes new dynamic yard 160612221951, and finishes and move back card; No matter whether the holder carries out real trade,, release all can be updated as long as normally inserting (reaching the standard grade) and normally withdraw from (off-line) dynamic sign indicating number.
Press the utility model and above-mentioned example, 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 sign indicating number 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 sign indicating number remains the dynamic sign indicating number of not change in clone's the release, release transaction processing system (1) meeting indication payment terminal (2) is carried out " eating card " and is reported to the police.Like this, a kind of active that the utility model provides prevents that effectively the stolen system 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 (4)

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), it is characterized in that release (3) can insert the payment terminal (2) that interconnects with release transaction processing system (1).
2. the described a kind of active of claim 1 effectively prevents the system that release is stolen, it is characterized in that payment terminal (2) has the parts that write are read and stored to the release information of carrying out.
3. the described a kind of active of claim 1 effectively prevents the system that release is stolen, it is characterized in that in the release storer, on original holder's identity information storage unit (31) and accounts information storage unit (32) basis, set up a dynamic code memory unit (33).
4. the described a kind of active of claim 1 effectively prevents the system that release is stolen, it is characterized in that setting up dynamic code data log file (11) in release transaction processing system (1).
CN2010206765697U 2010-12-13 2010-12-13 System capable of actively and effectively preventing information cards from being misappropriated CN201984572U (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN2010206765697U CN201984572U (en) 2010-12-13 2010-12-13 System capable of actively and effectively preventing information cards from being misappropriated

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN2010206765697U CN201984572U (en) 2010-12-13 2010-12-13 System capable of actively and effectively preventing information cards from being misappropriated

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102542672A (en) * 2010-12-13 2012-07-04 周锡卫 System and method for actively preventing information cards from being stolen
CN102819918A (en) * 2012-07-17 2012-12-12 苏州市米想网络信息技术有限公司 Payment system adopting multiple safety certificates
CN104318665A (en) * 2014-09-10 2015-01-28 张复青 System for precluding financial false cards

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102542672A (en) * 2010-12-13 2012-07-04 周锡卫 System and method for actively preventing information cards from being stolen
CN102819918A (en) * 2012-07-17 2012-12-12 苏州市米想网络信息技术有限公司 Payment system adopting multiple safety certificates
CN104318665A (en) * 2014-09-10 2015-01-28 张复青 System for precluding financial false cards

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C17 Cessation of patent right
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Granted publication date: 20110921

Termination date: 20131213