KR20020023339A - Creditcard secret number which is divided by cash service and credit buying service, in credit buying processor, first contrasting credit buying secret number - Google Patents

Abstract

PURPOSE: A credit card password classification assignment, and a credit purchase process after comparing a credit purchase password are provided to prevent a card company, a card affiliate and a card owner from suffering a loss caused by a stolen use of credit card before the credit card owner reports the lost card. CONSTITUTION: The credit card having an assigned password for the cash service and credit purchase is read by a card reader for the credit purchase(S2). The card reader confirms the equality of credit purchase password of credit card before requesting an approval of credit purchase to a main computer of a card company(S3). In case of equal, the purchase approval is requested to the main server(S4). In case of not equal, the password is inputted again. Still the password is wrong, the card is canceled(S5).

Description

Credit card secret number which is divided by cash service and credit buying service, in credit buying processor, first contrasting credit buying secret number}

Conventional credit cards or cash payment cards are required to perform financial acts after reading whether or not the passwords provided in the cash withdrawal service are matched, so that a person who acquires them in case of loss or theft of a credit card does not know the password of another credit card. The credit card is used as a credit purchase until the card transaction stops after the cardholder's loss is reported at the card merchant. The present invention provides a password for a cash service and a password for a credit purchase in the memory of the credit card. The card reader can purchase credit card credit card instead of checking the ID card when the credit card is purchased at the place of purchase. Recognize password memory and cardholder If hayeoteul match, enter the number that will be performing the functions of a credit purchase handler.

.

1 is a flow chart of the utilization of the present invention

2 is a block diagram illustrating password splitting between credit card cash service and credit purchase service.

3 is a configuration diagram of reading a line password of a card reader in a credit purchase processor;

The matters regarding the divisional designation of the credit service and the credit purchase service of the credit card and the performance of the original function after reading the credit purchase password line of the credit purchase processor will be described with reference to the accompanying drawings.

Figure 1 is a card reader is the main computer of the card company in the situation (S2) in which the owner (S1) of the card, the password of the cash service and credit purchase service is specified, the card is read to the credit purchase processor to make a credit purchase from the place of purchase. In step S3, the credit card purchase password is matched with the credit card before sending the credit card. If it does not match, the whole flow chart as a step (S5) to stop using the card.

Fig. 2 relates to the division of passwords for cash services and credit purchase services in the password of the memory of the credit card. The credit card password is divided into a cash service password (1) and a credit purchase service password (2) and stored in memory. .

3 is a card reader 3 of a credit purchase processor recognizes a credit purchase service password of a credit card when a credit is purchased with a credit card having a divided password, and a credit card user is connected to a keypad connected to a credit purchase processor with its own keypad or wired or wireless connection. Perform the original function (5) of the credit purchase processor when the password is matched by inputting the password (4), re-enter it if it does not match (6), and perform the original function of the credit purchase processor when it matches (7). If not, the credit card transaction is rejected (8).

The reliability of credit cards can be prevented from loss of card companies, card merchants, and card holders caused by others using credit cards to purchase credit cards before the cardholders fail to recognize card loss or theft. Security card and use of credit card by skipping the procedure of checking the ID card and signing the sales slip, thus preventing the use of credit card due to theft or loss.

Claims (2)

Designation of password classification for cash service and credit purchase service in credit card that can receive goods purchase service and cash service In the credit purchase processor, the card reader recognizes the credit card memory and immediately transfers the credit purchase to the credit card company.