TW200541291A - A business transaction confirmation method for credit card over internet - Google Patents

Abstract

A business transactions confirmation method for credit card over internet comprises using a real-time communication tool, e.g. mobile phone messaging, e-mail, on-line communication software, etc., to transmit a credit card transaction confirmation code to the original applicant of the credit card; and allowing the credit card applicant to fill in the confirmation code of the transaction to complete an internet purchase transaction. In order to avoid the occurrence of a purchaser filling in an erroneous confirmation code, the system will transmit the confirmation code filled in by a user back to the unit which produces the confirmation code for comparison. The confirmation code mentioned in this system includes a transaction authorization code issued by a credit card authentification center or an identification confirmation code issued by a credit card issuing bank. Since the confirmation code is transmitted through a mobile phone number or an e-mail account filled by a credit card applicant, no other people can use the credit card when the credit card is stolen, thereby ensuring the safety of purchase through internet.

Description

200541291 > V. Description of the invention (1) [Technical field to which the invention belongs]-A credit card security management method applied to the Internet for online shopping. [Previous technology] Online shopping on the Internet is a new type of 矣. The Internet is prevalent, and because of the convenience of shopping, because of the nature of the Internet, it often has the advantage of low price through the locker to buy and sell. Especially for the purchase of foreign products * :: y Hot and smart can effectively reduce transportation costs, making online shopping a shopping and shopping mode. Because shopping behavior involves money transfer, and easy-to-replace security, there have been various security certifications and control flow 3: use for transaction data, the specific method is as follows: To apply to online shopping should be 2) through membership management and Obtain specific certification software and = ... specialize in certificate and authorization management, so it can be appropriate for the two-body online. The characteristics of this authentication method are to join the member: first, and install the software on the computer of the taxi :: Online shopping, use and versatility. Especially when shopping on different computers, Xiao must first install special software, which reduces the Internet access characteristics without time and space restrictions. At the same time, the authentication methods used by online stores are not necessarily & full phase =啦 = In parallel, multiple authentication systems must be installed, and users must continuously install the authorization 2 software, which causes inconvenience in use and reduces the user's willingness to use it. () By means of electronic wallet management, users must first pay a certain amount, and $ is converted into shopping points. When users shop online, they need to enter information such as account numbers and passwords, and online stores will use the Gold Flow Management Center and electronic ^

Page 6 200541291 · V. Description of the invention (2) Package connection, deduct points, and complete the online transaction process. The above transaction mechanism still needs to join member management and prepay the amount to be entitled to online shopping. Conceptually it does not have the characteristics of a credit card, which is the spirit of so-called consumption before payment, so it is still not easy to be supported by ordinary consumers. (3) Trust the self-designed authentication interface of online shopping stores, that is to say, users can fill in credit card information directly on the Internet, and the website usually performs simple coding to protect credit card numbers and valid years and users ^ certificates. And other information, when the information is confirmed to be correct, both the transaction behavior is confirmed. Due to this kind of mechanism, it often causes the problem of credit card theft, and also generates a lot of transaction disputes. The main reason is that the user's computer is poisoned, and the basic information such as the credit card number and identity card number that has been entered has been stolen by hackers. , Causing the problem of stolen brushes. Or because the encryption method used by the store's website is too crude, it is intercepted by people with intentions during network transmission, and the original credit card information is extracted to steal. The above-mentioned several mechanisms are currently cited by online shoppers. For the convenience of shopping, the third trust method is generally used for online shopping. When theft occurs, the bank and the consumer will discuss the follow-up processing issues, resulting in loss. Therefore, how to ensure the security of credit card transactions, some banks will notify the user of the details of each credit card transaction via mobile text messages or emails for consumers to confirm. This method uses the spirit of post-remedy, which is not It is hoped that consumers will not find the stolen brushes until they receive the bills, and Yinxun will stop paying. Since this method can only reduce losses and cannot prevent the occurrence of fraud, it is necessary to devise a credit card security control method that is convenient to use, instant transactions and preventive measures.

200541291 · V. Description of the invention (3) The purpose of the invention is to issue an identity confirmation code (the above%, the parent's authorization code, or the original credit card applicant's pen ^^^^ confirmation code) issued by the instant bank. Card applicants who ensure the legitimacy of the transaction can also confirm a convenient and convenient authentication mechanism. [Summary of the invention] $ Send is a credit card confirmation tool used for online transactions, such as mobile phone newsletters, two-side instant identification code to send to the original applicant of the credit card, and then: = Card two, please ask people to fill in the transaction online Confirmation code 2 = easy. In order to avoid the shopper filling in the wrong confirmation code, the system combines 2 things = the confirmation code that was entered, and returns it to the unit that generated the confirmation code. 2: The 3 horse can be divided into the certification issued by the credit card certification center. Identification code sent by the bank that issued the card. As the confirmation code is a clear statement, t the phone number you filled in when you requested your credit card is exhausted or the e-mail is cleared up ~ that is, the credit card is stolen, and the problem of unauthorized use will not occur, ensuring the security of online shopping. 』Π Π market ensures that the e-mail account is protected from being hacked by the guest. The system can also send the authorization code from the server to the client through encryption technology using encryption technology. The user receives the encrypted authorization code. You must obtain the authorization code in plain text only after you have completed the decoding process. Page 41, 200541291 ^ V. Explanation of the Invention (4) ------ [Implementation Modes] In order to make the members of the Examining Committee understand the characteristics and industrial use value of the present invention, the specific implementation of μ will be implemented in cooperation with the attached The diagram illustrates the present invention in detail as follows: Explanation of the diagram: The first diagram is a system diagram of the credit card authentication of the invention. The production confirmation code of the certification center disclosed in the present invention, the generated unit must be purchased right to confirm the type of transaction code generated by the confirmation code. The transaction authorization generated by the avoidance person may correctly generate the unit. Right authentication code, you need to choose one or avoid the shopper's loss of digital transmission to specific 'specific real knife into two types, one is all used by card issuers. If the illegal generating unit is entered, the method can be divided into two types: the identity generated by the credit card bank and the verification code.

The first embodiment: Please refer to the first system ®, as shown in ^, the credit card authentication of the present invention

U.3 credit card certification center (1 (= online credit card interface credit card database (16), SMS, card processing interface (1.5), u.io). The specific process is as follows: service: π # 9) two mobile phones Number of credits = After shopping, select credit card to pay ;: 2 2, Internet connection / ask the shopper to enter the credit card] this meeting / Shi Tubenbei include ID card, credit card

Page 9 200541291 V. Description of the invention (5)

Number and valid year, the online store will request legal authentication and obtain an authorization code through the gold flow management center (1 · 2), through the online credit card interface (1 · 3) and the credit card certification center (1 · 4). The operation method is that after the online store obtains the authorization code, the transaction is considered to be completed and a payment is requested from the card issuing bank. Since the identity of the shopper cannot be confirmed, the problem of stolen brushes often exists. Please refer to the flow chart in the first figure. The credit card authentication center (1 · 4) will return the authorization code to the online store, and also forward it to the credit card issuing bank. The issuing bank must receive the credit card authentication through the card processing interface (1 · 5). The center (1 · 4) sent the second authorization code and read the mobile phone number, email or instant messaging software account number filled in when the credit card was applied for. If the email or instant messaging software account is not blank, then Through the credit card processing interface (1 · 5) and the Internet to the applicant (1. 7), if the applicant and the shopper are the same person, you can enter the authorization code received into the current transaction The details of the details are compared by the gold flow management center (1 · 2) and the authorization code returned by the credit card authentication center (1 · 4) is compared with the authorization code entered by the presenter. If it is correct, the Liuyi behavior can be completed. Similarly, when the issuing bank reads that the applicant's mobile phone number is not empty =, the credit card processing interface (1 · 5) will connect with the SMS server (1 · 9) of the mobile phone system operator and confirm whether it is a legitimate mobile phone (丨 · 丨 〇), and then send the authorization code (1 · 8) through the SMS mechanism. After the shopper receives the mobile phone message, enter the authorization code on the webpage to complete the shopping behavior. Second embodiment: Please refer to the first figure and the first embodiment. When the credit card authentication center (1.4) checks the credit limit and basic information of the credit card with the card issuing bank, the card issuing bank will randomly generate an identity confirmation code, and then Through electronic 200541291 V. Description of the invention (6) Email, instant messaging or mobile text message to pass the identification confirmation code to the shopper. After the shopper enters the confirmation code, the gold flow management center (1.2) will confirm the identity The code is transmitted to the card issuing bank, and the credit card processing interface (1. 5) of the card issuing bank receives the identity confirmation code and compares it with the issued confirmation code. If it is correct, reply to the credit card authentication center (1 · 4) to indicate that it is a legitimate customer . At this time, the credit card authentication center (1.4) only transmits the authorization code to the gold flow management center (1.2) or the online store, and the transaction can be regarded as completed.

Page 11 200541291 Schematic description of the diagram The first diagram is a system diagram of the credit card authentication of the present invention, which fully explains the relevant units involved in credit card transactions and the correlation and operation process of each unit.

11 ·! Page 12

Claims (1)

200541291 6. Scope of Patent Application 1 · A type of online transaction store, a cash flow management center of an online store, a credit card authentication center, which can be generated with the issued authorization code; a card authorization authentication system consists of:, which can provide online shopping flow control ·; Card bank interface, and provide each credit card issuer with a credit card processing interface and the applicant's credit card data = library, you can query the applicant's basic information in real time; a mobile phone system operator, with a SMS server, dedicated to Dedicated host for SMS sending and receiving and mobile phone number database to record legal users' storage devices, which can be sent and received by email or instant messaging software or mobile SMS Code or a parent-friendly authorization code ’, which is an authentication technology that performs a credit card transaction without error after comparison. 2. As described in item 1 of the scope of patent application, when consumers shop online and choose a credit card to pay, the gold flow management center asks the shopper to enter basic credit card information, and the online store will authenticate the credit card through the gold flow management center The center requires legal authentication. The credit card authentication center sends the transaction authorization code back to the online store. It also forwards it to the credit card issuing bank. The issuing bank receives the authorization code from the authentication center and reads the mobile phone number or email when the credit card is applied for. Or instant messenger account; email or instant messenger account sends the transaction authorization code to the applicant via the Internet; or send the transaction authorization code through the SMS mechanism of the mobile phone system operator; when the shopper receives the parent-friendly authorization code and Enter it into the shopping webpage, and then the gold flow management center will compare the authorization code entered by the constructor with the authorization code returned by the credit card authentication center. Page 13 20054129 Ⅵ. The patent application range code is confirmed and compared by the Gold Flow Management Center. 3. If you purchase on the patent application range and choose the credit card to verify the basic information of the credit card, the credit card is legitimate. At this time, the mobile phone that issued the card 5 Hu Ma or electronic parts or instant messaging software is required; mobile phone number is the disc identification code. When the constructor is again from the gold flow management center, he can reply to the credit center to complete the transaction disc identification comparison. As mentioned in item 1, when a consumer pays through an internet card, the gold flow management center asks the shopper to lose. The gold flow management center asks the credit card certification center that the certification center must first confirm with the card issuing bank that the credit card bank generates an identity confirmation. Code and read the account: mail or instant messaging software account; two; the account number through the Internet to travel through the eight + 1 J slightly pass the identification confirmation code through the mobile phone system operator's simple mm β application section between the aluminum mechanism Fai Guanhui received the identity confirmation and entered it into the shopping webpage at the time of the injury. I forwarded it to the card-issuing bank and confirmed the same card at + you ν The bank issued i I The code is given to the gold flow management, and the identity of this method is described by the card issuer. Page 14-^ ------