TW200928991A - A simple mechanism to prevent the credit card being used by an illegal user - Google Patents

Abstract

Since the invention of SIM card of cellular phone, the problem of fake card can be solved gradually. However, the card can still be used by an illegal user when it is lost or stolen. Usually, it is not easy to judge a legal user from the signature since anyone can learn the signature from signed name of the credit card. Therefore, we invent a process to embed the signature of the card holder in a signed character string at the credit card. Without showing the signature clearly, the credit card will be much safer than now.

Description

200928991 IX. Description of the invention: [Technical field of invention] Electronic (encryption/decryption) [Prior Art] The chip, (4) card will produce different outputs depending on the input of the card reader. Since the mother-wafer card has its own unique output for the same input, the card reader can provide its own input and the output of the crystal card, and the system can judge the authenticity of the credit" card. The unique round-out of the chip card is determined by the digital-numbered key. This is the system that can not be read and copied within the Linyin Crystal 4, so the problem of the fake card is expected to be solved. Nonetheless, if the problem of stolen brushing cannot be solved, the bank and its customers are still young because of the loss of the card and the loss of the company. The only mechanism currently preventing theft is the signature of the customer on the back of the credit card. Since this signature is placed on a credit card, the person who picks up or steals the card can learn to make a (4) signature, and if there is no experience or irresponsible sales of 10, the W user still has to pass the customs. Therefore, we invented a mechanism that would make it impossible for the thief to know the signature used by the cardholder, but the store can still judge the user by the card, and then (4) _ face the most complicated pirate. This mechanism will not change the way the current system operates and the card is used, but will provide the merchant with more information on whether to steal or not. It is expected that the card holder will be able to lose the card after the card is lost due to the mechanism provided by the present invention. There are more guarantees, so that cardholders will not be self-satisfied, and they will dare to take some side cards to the streets. 5 200928991 Tian We received a new business card and the issuing bank will ask us to sign the back of the card immediately. In the future, we will be in the special shop Xiaoxin Temple. The merchant will ask for the same handwriting on the bill and the signature on the second card. It is not important as to the cardholder's signature. In theory, this approach has proven that the consumer is a legitimate card holder. However, in practice, the person who picks up or steals the credit card will have a period of time to learn the signature on the card, plus the inexperienced salesperson. Sometimes, the fake signature can be side. Coupled with the personality of the Orientals who are afraid of things, sometimes they dare not go through the slightest differences in the collection, and often have to wait until the cardholder sends a needle (4) after teaching, only to stop the (four) phase behavior. Therefore, in addition to the signature, there should be an objective mechanism to determine whether the consumer is a legitimate card holder. 'As long as you see the signature on the bill, you can be very green (four) telling the money, this is not your mosquito card with the issuing bank. name. In order to achieve this goal, 'we will propose a way for banks to find a few numbers from the credit card and convert it to a number with Ke. The converted number will inform the cardholder that the cardholder is After receiving the card, you will choose a signature for yourself. 'This signature can be the homonym of your own name or your real name, or any name that the cardholder can remember, as the signature agreed with the issuing bank, and The number on the notice, the signing money in the position of M Ying, the other spaces are free to sign, _ protect the real signature. Picking up and stealing card players will not be able to ride the cardholder's signature from the age of signature, as long as they can keep their own secrets on the signature bar, even if they are close relatives, they can't use their credit card of 200928991. [Embodiment] Let me establish a mechanism for digital conversion. In order to explain the above-mentioned square U mechanism, the number of digits of the five digits of the digits is represented by the number of digits from 1 to 4. This conversion can be

_ For the silk, sigh and add a bribe to leave three records, then turn them to a number from 1 to 4, or any other method. 2. The card issuer will transfer the three digits of each _卡卡财 to a three-digit number through the Syrian mechanism, and then send the three digits to the cardholder. For example: Wang Xiaoming may receive a three-digit number of 423. 3. After receiving the credit card, the holder chooses the name for the letter as the signature agreed with the issuing bank. This name can be a name that the credit card holder can easily remember but cannot be guessed by others, such as primary and secondary schools. The name of the classmate, the name of the hour neighbor, and so on. Cardholders may also choose their own name for their convenience. 4. After receiving the credit card, the cardholder signs the relative position of the signature block according to the name of the card issuer and the three digits in the notice. For example, if Wang Xiaoming chooses the name for himself, Li Xiaofei, and he If the number received is 423, he will sign the three characters of Li Xiaofei on the signature block of the back of the credit card, the fourth place on the first block, the second place on the second block, and the third place in the third column. Then mark the other spaces on the signature and sign other names to confuse the person who intends to use it. For example: Wang Xiaoming’s signature shed was signed 7 200928991 ^ The child may be, Chen Lin Huang Li, large and small, loyal Ren.” So, the chance of the stolen brusher is only 1/64, but the probability of being caught is 63/64. If the name chosen by the cardholder is his name, he will be based on the three-digit number provided by the card issuer. In normal habits, I will ride the corresponding space, and other spaces will be signed by my own name but differently. For example, Wang Xiaoming’s signature column can be “Wang Wang Wang Wang, Xiao Xiao Xiao Xiao Ming Ming Ming Ming”. Among them, only According to the signatures that I am accustomed to, the others are signed in different ways. ❹ 6. When the cardholder consumes, the account should be signed with the agreed name and usual habits, and the merchants will provide the electronic information provided by the card issuer. The server, the list, or the server on the network, with the five digits of the cardholder's card number, the corresponding three digits, and then find the signature agreed by the cardholder on the credit card. If the cardholder is on the ticket Signature and its agreement The signature is the same, the merchant goes to compare it to the handwriting, otherwise the merchant may consider rejecting the transaction. For example, someone is stationed in the small _ card, but the _ signature is not the selected Li Xiaofei, even if the handwriting is similar, the merchant can still Refuse this-hand transaction, ❹ or the merchant can also ask for the (4) words to the needles, and then take the cream to obtain the signature agreed by the cardholder before trading. 7. The cardholder can also sign his own name in the signature. Block, the other spaces are marked with a fork, so the merchant will not do the conversion of the number, but only the system is still the same. Therefore, the cardholder can have greater convenience and risk. It is fast, only for high consumption, digital conversion, and then check its signature. For low consumption, accept any signature on the back of the credit card, and check the handwriting only according to the old system of 200928991. Thus, the merchant can have greater convenience. And risk. [Simple diagram description] [Main component symbol description]

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Claims (1)

200928991 X. Application for patent scope·· String signature to test the mechanism of cardholders in the signature shed to prevent the credit card from being stolen. This mechanism includes: \ A digital conversion mechanism acceptable to the card issuer and the issuing bank. = You can seal the money when you can be trusted. It will be heard as a different number of digits, and the name will be called after the ship. The signature location is selected on the material person bar. , < 2·- kind of signature m card person can turn the notice according to the card issuing machine, on the teacher card signature column, the slave signature (four), sign the _ signature, and mark the other vacated positions on the signature, sign other Signature to generate a -string signature to cover the cardholder's desire to make a _ signature. The cardholder wants to make a name that can be his own name or any name. 3. The method of identity verification: the special store, according to the guidance of the card issuer, finds the required digits on the cardholder's credit card, and uses the digital conversion mechanism provided in 1 to provide the electronic equipment provided by the card issuer. , list or web server, find the location of the cardholder's signature, and find the signature that the cardholder should use from the signature of the 2 towels according to these locations, and compare the name and handwriting used on the ticket. Take the test 妓 turn _ pin people. XI. Schema: 200928991 VII. Designated representative map: (1) The representative representative of the case is: ( ). (2) A brief description of the symbol of the representative figure: 8. If there is a chemical formula in this case, please reveal the chemical formula that best shows the characteristics of the invention: 200928991 Qcdl· '/η- (2006.01) ※申1 ^ ^PC Classification: (2〇06 〇υ ※Please note: I. Invention name: (/text/English) A simple anti-theft mechanism / A simple The name of the applicant: (1 person in total) :(Chinese/English) Department of Electronics, No.43, Section 4, Keelung Road, Taipei #43, Sec. 4, Keelung Rd. Taipei, Dept, of ET Nationality: (Republic of China / R.〇.c) III. Inventor: A total of 1 person) Name: (Chinese / English) Han Hanzong Hann-Tzong Chern Nationality: (Republic of China / ROC) 200928991 IV. Declarative matters: □ Propose patent law Article 22, paragraph 2, paragraph 1 or □ second The facts of the stipulations are as follows: 年 年 □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ There is a claim for patent law second Article 17 The first international priority: □ No claim for patent law Article 27, first international priority: Advocate patent law Article 29, first domestic priority: [Format please: application date Note on the application case number] Claiming Article 30 Biological Materials: □ Those who need to deposit biological materials: Domestic biological materials [formats should be recorded according to the order of the depository, date and number] Foreign biological materials [format please : Note on the order of the country, organization, date, and number of the depositor. 者 The person who does not need to deposit biomaterials is not required to be registered when there is a general knowledge in the technical field. 2 200928991 IX. Invention: [Technical field to which the invention belongs 】 Electronic (encryption/decryption) [Prior Art] After the wafer card is invented, the credit card will generate different outputs according to the input of the card reader. Since each chip card has its own unique output for the same input, the card reader can Providing its own input and the output of the crystal card, the system determines the authenticity of the credit card. The unique output of the chip card is The digital key determines that the problem of the fake card is expected to be solved within the scale of the system, and the problem of the fake card is expected to be solved. However, if the problem of the stolen brush cannot be solved, the silver plaque and its customer The credit card's enemies are stolen and incur serious losses. The only mechanism to prevent theft of the card is that the customer's signature on the back of the credit card is placed on the credit card, and anyone who picks up or steals the card can learn. Obtain an approximate signature and encounter a voucher with no experience or responsibility. M, w users can still pass. Therefore, we invented a mechanism to allow the pirate to know the cardholder's signature, but the slogan can be used to determine the signature set by the user. This mechanism is used to prevent most of the piracy. This mechanism will not change the way the current system works and the card is used' but will provide more information on whether the business is stealing or not. It is expected that the cardholder will lose the card due to the mechanism provided by this month. Can have more protection, so that the cardholders will not dare to carry some credit cards to the streets because they are afraid of losing. [Summary of the Invention] 5 200928991 When we receive a new credit card, the issuing bank will ask us to immediately sign the back of the card, and then we will ask for a handwritten note on the bill and the card. As for the cardholder’s signature, it does not matter. In theory, this way has been able to verify whether the consumer: a legitimate card holder. But in practice, if you pick up or steal a credit card, you have to learn the secret name for a while, plus the inexperienced salesperson. Sometimes, the fake signature can still pass. Coupled with the personality of the Easterners who are afraid of things = when they dare not want to go to the bottom of the difference in the signature, often must be held together to find the loss of the card, in order to prevent the behavior of the fraudulent. Therefore, in addition to the signature, there should be an objective mechanism to judge whether the consumer is legal card holder. As long as the account is on the account name, you can be very willing to sue the other party, this is not your card issuer Abbreviated name. In order to achieve this goal, 'we will propose the fiscal form, let the bank find out from the letter =: it converts to a different number, these converted numbers will inform the 4 card people to know that the cardholder is receiving the card. After that, you will choose a name for yourself =-signature can be the homonym of your own name or your real name, or any name that the cardholder can remember, as the signature agreed with the issuing bank^ according to the number on the notice , 槪 ― signature sign in the 姊 should be placed, other = on the free signature, to cover the real signature. Those who pick up or steal cards will not be able to block the signature of the __ cardholder from the signature, but have the secret of their signature on the signature, even if the skill is good, they can not use the credit card of 200928991 [Implementation J • Must be established - A digital conversion _, in order to explain the square change W material Gu Jianchang turn (4): will be converted to XXX two injuries I ... straight, Ding Chi 伹 number using the number of the representative age of 1 to 4. This conversion can be ❹ 2 or a number that uses encryption to leave three digits, then turn them to 1 to 4, or any other method. = Gu __ Kaka number _ five digits _ After the mechanism is changed to three digits, the three domains and the side card are sent to the side card applicant. For example, Wang Xiaoming may receive a three-digit number of 423. 3. After receiving the Leica, the side card person chooses a name for himself as the signature agreed with the issuing bank. This name can be a name that the credit card holder can easily remember but cannot be guessed by others, such as primary and secondary schools. The name of the classmate, the name of the hour neighbor, and so on. Cardholders may also choose their own name for their convenience. After receiving the credit card, the cardholder signs the relative name of the signature column according to the three digits of the card issuer's instructions and notice. For example, if Wang Xiaoming chooses his name as Li Xiaofei, he accepts When the number is 423, he will sign the three characters of Li Xiaofei on the back of the credit card to block the fourth place of the first block, the second place of the second place and the third place of the third column. Then mark the other spaces on the signature and sign other names to confuse the future intention to use the person. For example: Wang Xiaoming’s signature was signed 7 200928991 ^ The child may be "Chen Lin Huang Li, A small towel, Zhongshui Non-ren." In this way, the chance of the thief is only 1/64, but the probability of being caught is (10). If the cardholder's name is the name of the person, he will use the three digits provided by the card issuer to check the name into the corresponding space. Other spaces are signed by the name but differently. For example: Wang Xiaoming's signature column can be, Wang Wang Wang, 7 i K Ming Mingming a month. Among them, only the signatures that seem to be filled in are the ones that I am used to, and others are signed in different ways. ❹ 6. When the cardholder is in charge, the account should be (4) set to the usual name and the usual habits, and the merchant will use the electronic device provided by the card issuing institution, the list or the feeding device on the network to use a five-digit number in the cardholder's card number. Obtain the corresponding three digits and then find the signature agreed by the cardholder on the credit card. If the cardholder's signature on the signing is the same as the one signed by the merchant, the merchant will go to compare it to the handwriting, otherwise the merchant may consider rejecting the credit. Some people use Wang Xiaoming's credit card to spend, but the signature used by him is not the Li Xiaofei who chooses it. Even if the handwriting is similar, the merchant can still refuse this transaction, and he can also ask Wei Wei to issue the bank, _ After the verification, the signature signed by the cardholder is obtained and then the transaction is performed. 7. The cardholder can also sign his own name on the signature block, and the other spaces are marked with a cross, so the merchant will not do the digital feed, but will only compare the handwriting. In this way, cardholders can have greater convenience and risk. & merchants can also take it quickly, only for high consumption, do digital conversion, and then check their signature. For low consumption, accept any signature on the back of the credit card, only check the handwriting according to the old system of 200928991. In this way, merchants can have greater convenience and risk. [Simple description of the diagram] [Explanation of main component symbols] 200928991 V. Abstract of Chinese invention: Since the invention of the k-chip, the problem of the pseudo-card has been gradually solved. However, due to the ability of the special store staff to judge the authenticity of the signature, the problem of stolen credit card lost or stolen remains to be resolved. The invention adopts a conversion mechanism to hide the signature of the credit card holder from the signature of the signature, so that after the credit card is lost, the illegal holder will not be able to simulate and not dare to take the risk because he does not know the signature of the card holder. use. ❹ 六, English Abstract: Since the invention of SIM card of cellular phone, the problem of fake card can be solved gradually. However, the card can still be used by an illegal user when it is lost or stolen. Usually, it is Not easy to judge a legal user from the signature since anyone can learn the signature from signed name of the credit card., we invent ao process to embed the signature of the card holder in a signed character string at the credit card. 3, the application for patents: - The type of patent application: - a mechanism for verifying the cardholder's mechanism by preventing a credit card from being stolen and using a signature in the signature booth. This mechanism includes: 1. One is for issuing a card, and the issuing is _ by (4): This mechanism can signal several digits on the card #, turn it into several digits of Ke' and transfer Based on the number, the incoming cardholder selects the signature location on his signature. ❹ 2.1 kinds of signatures: Cardholders can choose the signature location on their credit card signature block according to the notice of the card issuer, sign the signature they want to make (4), and sign the signature. Block other vacated positions and sign Other signatures to generate - string signatures to cover. The cardholder wants to make (four) shirts. The cardholder wants to make a secret name that can be his own name or any name. 3. Seeding; 7 test 5 ways: the special store according to the guidance of the card issuer, find the required number on the cardholder's card, and according to the number provided in 1 、, system 'to issue card The electronic device, list or network server provided by the organization finds the location where the cardholder's signature is located, and finds the signature that the cardholder should use from the 2-tap-string sign according to these positions, which is used on the check-up form. The name and handwriting to verify whether the consumer is a legitimate cardholder. XI. Schema: