TWM563589U - Credit card transaction system - Google Patents

Abstract

This creation is a credit card transaction system. The credit card transaction system includes: a credit card swiping device for obtaining credit card information; a camera device connected to the credit card swiping device for electrical signals to obtain an instant facial image of one of the cardholders; and an authentication device with The credit card swiping device is connected with a telecommunication signal to compare the real-time facial image with one of the cardholder's preset facial images. If the comparison is successful, the authorization is passed, and if the comparison fails, the authorization is rejected. In this way, this creation can recognize cards and people, improving the security of credit card transactions.

Description

Credit card transaction system

This creation is about a transaction system, especially a credit card transaction system.

Credit card is a non-cash transaction payment method. It is issued by the bank or credit card company to the cardholder in accordance with the user's credit and financial resources. Cardholders do not need to pay cash when spending with a credit card, and repay it on the billing day .

The most common credit card transaction method is to swipe a card through a point of sale terminal (POS machine). When swiping a card, the operator should first check the validity of the credit card and the cardholder's last name. Then, select the corresponding POS machine according to the card-issuing bank and the type of currency to be paid, and pass the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip-type credit card into the card slot, connect to the remote end such as the bank, and enter the corresponding Amount. After the remote end accepts the information, the POS machine will issue a receipt for payment by card. The cardholder should sign the receipt after checking that the information on the payment receipt is correct. After checking the signature on the receipt and the signature on the back of the credit card, the operator will send a copy of the credit card and credit card payment receipt to the cardholder. However, the problem with this method is that the cardholder's signature cannot be accurately judged, and therefore cannot be judged for fraud or forgery.

The emerging credit card transaction method is to use a radio frequency identification machine (RFID machine) to induct the card. When taking a card, the operator should first check the validity of the credit card and the cardholder's last name. Then, select the corresponding card-making machine according to the card-issuing bank and the type of currency to be paid, and enter the corresponding Of the amount, place the credit card flat over the sensor. After the RFID machine senses the credit card, it will emit a signal sound, and then continue the operation process. After the remote end accepts the information, the machine will issue a receipt for making a card payment. However, unlike the previous method, the cardholder does not need to sign, which is faster than the previous method. ,more convenient. However, the faster and more convenient price is that there is no second-level check mechanism at all. Once the credit card is lost, fraudulent, or forged, it will directly cause loss to the cardholder, bank or store.

With the development of online transactions, more and more transactions are paid via the Internet. When paying online, you need to enter your card number, credit card expiration date, credit card security code, online transaction password next to the signature bar on the back of the card, and sometimes you need to enter your name and verification code randomly generated on the web page. After the input is completed, click Submit to complete the online payment. However, this online payment method is the most risky of several credit card payment methods, because unscrupulous people may use phishing, eavesdropping on network information, counterfeit payment and other methods to steal user information. For example, when other people obtain a credit card or a credit card number and authentication code, they can also conduct a credit card transaction. It is difficult to confirm whether it is the original credit card holder's behavior.

Issuing banks are also actively promoting smart cards to protect cardholder credit information, or use database encryption and firewall encryption. However, once the information is leaked, more information and money will be leaked.

In addition, there are also methods that require more special passwords or digital IDs to be filled in online transactions to enhance the identification ability when authorizing consumption. Or, strengthen online authorization monitoring, and enhance timely filtering and filtering of transactions.

However, no matter how the card-issuing bank internally manages to formulate rules to prevent credit card fraud, it is impossible to improve the inherent structural defects of external credit card machines that "recognize but not recognize people." A large budget was set up in the year to pay for theft.

In order to reduce cardholder losses, the card-issuing bank usually bears the loss of fraudulent brushing for 24 to 48 hours, and even exempts the cardholder completely from liability in order to attract cardholders to spend with the card. However, the method still caused substantial losses, only who was responsible for the losses.

Therefore, based on the current multiple growth of e-commerce and the proliferation of transaction disputes between cardholders and banks, it is necessary to design a card that can reduce the disputes and risks of cardholders and banks from the current growing credit card transactions and credit card online transactions. Credit card transaction method and system.

The purpose of this creation is to provide a credit card transaction system that can recognize both cards and people.

Another purpose of this creation is to provide a credit card transaction system that can reduce the risk of bank theft money loss.

Another object of the present invention is to provide a credit card transaction system capable of reducing the error of the cardholder's signature.

Another purpose of this creation is to provide a credit card transaction system that can improve the security of credit card transactions.

In order to achieve the aforementioned and other creative purposes, the credit card transaction method provided in this creation includes: obtaining a credit card information; obtaining a real-time facial image of one of the cardholders; comparing the real-time facial image with the cardholders retained in the database A preset facial image; and if the comparison is successful, the authorization is passed; if the comparison fails, the authorization is rejected.

In one embodiment of the present invention, the real-time facial image includes a real-time facial still image or a real-time facial dynamic image.

In an embodiment of the present invention, the credit card transaction method further includes providing a face image selection table for cardholders to select for a second comparison.

In an embodiment of the present invention, the face image selection table is a mixture of the cardholder's preset face image and other people's face images.

In one embodiment of the present invention, the credit card transaction method further includes retaining the instant facial image for 45 to 180 days, and deleting the instant facial image after the cardholder normally pays.

In order to achieve the foregoing and other creative purposes, the credit card transaction system provided by this creation includes: a credit card swiping device for obtaining a credit card information; a camera device connected to the credit card swiping device for a signal to obtain one of the card holder Real-time facial image; and an authentication device connected to the credit card swiping device's electrical signal to compare the real-time facial image with a preset facial image of one of the cardholders retained in the database, and pass if the comparison is successful Authorization, if the comparison fails, authorization is denied.

In one embodiment of the present invention, the camera device includes a camera device integrated with a credit card swiping device, a camera device for a mobile phone, a camera device for a notebook computer, a camera device for a tablet, or a camera device for a personal computer.

In an embodiment of the present invention, the credit card transaction system further includes a display device, which is connected to the credit card swiping device by a signal to provide a face image selection table for the cardholder to select for the second comparison. .

In an embodiment of the present invention, the face image selection table is a mixture of the cardholder's preset face image and other people's face images.

In an embodiment of the present creation, the authentication device retains the instant facial image for 45 to 180 days, and deletes the instant facial image after the cardholder normally pays.

S1‧‧‧step

S2‧‧‧step

S3‧‧‧step

S31‧‧‧step

S4‧‧‧step

S5‧‧‧step

10‧‧‧Credit card swipe device

20‧‧‧ Camera

30‧‧‧certified device

40‧‧‧Development device

The implementation of the present invention will be described later with a brief description in combination with the drawings: FIG. 1 is an implementation flowchart of the creative credit card transaction system; FIG. 2 is an implementation flowchart of another embodiment of the creative credit card transaction system; FIG. 3 is A schematic diagram of the operation interface of the credit card transaction system of this creation; FIG. 4 is a system schematic diagram of the credit card transaction system of the creation; and FIG. 5 is a system schematic diagram of another embodiment of the credit card transaction system of the creation.

Figure 1 is a flowchart of the implementation of a credit card transaction method. Please refer to FIG. 1. Step S1 is to obtain a credit card information; step S2 is to obtain a real-time facial image of one of the cardholders; and step S3 is to compare the preset face of one of the cardholders with the real-time facial image and the database Step S4; if the comparison is successful, the authorization is passed; if the comparison fails, the authorization is rejected.

The advantage of this method is that during the comparison in step S3, it can be immediately confirmed whether it is a real cardholder. This can reduce the error in comparing the cardholder's signature, and can also reduce the fraudulent use of the card by others.

Wherein, in step S2, when the instant face image of the card holder is obtained, the instant face image may include an instant face still image or an instant face dynamic image. Real-time facial motion images, such as 15 to 20 seconds of real-time card swipe images, allow the database to perform a series of comparisons to improve the accuracy and safety of recognition. In this way, it is possible to avoid fraudulent use of still photos by fraudsters, or reduce the chance of fraudulent senders of false telecommunications signals.

In addition, FIG. 2 is a flowchart of another embodiment of a method for creating a credit card transaction. Referring to FIG. 2, after step S3 is performed, step S31 may be performed. Step S31 is to provide a face image selection table for the cardholder to select for the second comparison. The face image selection table may be a mixture of the cardholder's preset face image and other people's face images. This can reduce the chance of the fraudsters transmitting false telecommunications signals.

For example, step S3 is used for the bank-side system to directly compare the preset face image of the cardholder in the database with the instant face image of the current card swipe. If performing a network transaction, step S31 may provide a face image selection table in which the cardholder's preset facial image and other people's facial images are selected, so that the card reader can click. In this way, the hackers will not know the face image of the real cardholder, which can increase another layer of security.

In addition, after step S3 is performed, step S32 (not shown) may also be performed. Step S32 is to provide a prompt question and answer selection table for the cardholder to select for the second comparison. For example, please refer to FIG. 3, which is a schematic diagram of the operation interface of the credit card transaction method of the creation. On the card swiping page, after prompting to enable the recording function, perform step S2 and step S3, and then perform step S32 to provide the prompt question and answer selection form, such as asking the cardholder for the special question and answer left when applying for a credit card, or if the password is forgotten Ask a question in order to reissue the password. In this way, you can also take into account the traditional habits of users.

Steps S31 and S32 can be arbitrarily selected and executed after step S3. Alternatively, steps S3, S31, and S32 may be performed in sequence. Alternatively, step S3, step S32, and step S31 may be performed sequentially.

Step S4 is to pass authorization if the comparison is successful, and deny authorization if the comparison fails. It is specifically defined herein that the "comparison" in step S4 includes but is not limited to: the comparison in step S3, or the second comparison in steps S31 and S32.

In addition, step S5 may be performed to save the real-time facial image stored in the database, and only the real-time facial image is retained until the law retention date, or at least after the bank reconciliation and dispute processing time, such as 45 to 180 days, And delete the real-time facial image after the cardholder's normal payment. This can reduce the risk of stolen cards, prevent cardholders from denying transactions, and increase the degree of bank protection.

Figure 4 is a system diagram of the credit card transaction system of the creation. Please refer to FIG. 4, a credit card transaction system includes: a credit card swiping device 10 for obtaining a credit card information; a camera device 20 connected to the credit card swiping device 10 for a signal to obtain an instant face of one of the card holders An image; and an authentication device 30 connected to the credit card swiping device 10 to compare the real-time facial image with a preset facial image of one of the cardholders retained in the database, and pass if the comparison is successful Authorization, if the comparison fails, authorization is denied.

The credit card swiping device 10 may be a point-of-sale terminal (POS machine), a radio frequency identification machine (RFID machine), or a network host during online payment. The main function of the credit card swiping device 10 is to obtain credit card information and to connect with the electrical signals of the camera device 20 and the authentication device 30. Examples of electrical signals can be electronic signals transmitted through wired or wireless networks. The credit card swiping device 10 can also be connected to a display device 40 by a signal, as described in another embodiment.

The camera device 20 may include a camera device integrated with the credit card swiping device 10, a camera device for a mobile phone, a camera device for a notebook computer, a camera device for a tablet, or a camera device for a personal computer. For example, the user can take the instant facial image through a camera device integrated with the credit card swiping device 10 when swiping a card at the counter POS. The user can also use the camera device of a notebook computer, the camera device of a tablet or the camera device of a personal computer to capture the instant facial image when shopping online at home.

The authentication device 30, for example, is a host on the bank side, and can retain the instant facial image for 45 to 180 days, and delete the instant facial image after the cardholder normally pays.

FIG. 5 is a system schematic diagram of another embodiment of the created credit card transaction system. Please refer to FIG. 5, the credit card transaction system may further include a display device 40 connected to the credit card swiping device 10 with a signal to provide a face image selection table for the cardholder to select for a second comparison. . The facial image selection table may be, for example, a preset facial image mixed with a card holder and facial images of others.

The credit card transaction system and the credit card transaction system are compatible with each other. For example, the credit card swiping device 10 may perform step S1 to obtain a credit card information; the camera device 20 may perform step S2 to obtain an instant facial image of one of the cardholders; and the authentication device 30 may Steps S3 and S4 are performed to compare the preset facial image of the real-time facial image and one of the cardholders retained in the database. If the comparison is successful, the authorization is passed, and if the comparison fails, the authorization is rejected.

In addition, the authentication device 30 may also execute step S31 to provide a face image selection table for the cardholder to select for the second comparison. At this time, the display device 40 can be used to provide a face image selection table for cardholders to select for the second comparison.

In addition, the authentication device 30 may also execute step S32 to provide a prompt question and answer selection table for the cardholder to select for the second comparison.

Furthermore, the authentication device 30 can also execute step S5 to retain the instant facial image for 45 to 180 days, and delete the instant facial image after the cardholder normally pays.

This creation has been disclosed using the above preferred embodiments, but it is not intended to limit this creation. Those with ordinary knowledge in the technical field to which this creation belongs should clearly understand that this creation is not limited to the details of the above illustrative implementations, and this creation can be implemented in other specific forms without departing from the basic essence of this creation God, the implementation is only to illustrate this creation, not to limit it. This creation is based on the scope of patent application, not the above description. The meaning of patent application scope and all variants within the scope are within the scope of this creation. .

Claims (6)

A credit card transaction system includes: a credit card swiping device for obtaining a credit card information; a camera device connected to the credit card swiping device for an electrical signal to obtain an instant facial image of one of the cardholders; and an authentication device, Connected to the credit card swiping device's electrical signal to compare the real-time facial image with one of the cardholder's preset facial images. If the comparison is successful, the authorization is passed, and if the comparison fails, the authorization is rejected. The credit card transaction system according to claim 1, wherein the camera device includes a camera device integrated with a credit card swiping device, a camera device for a mobile phone, a camera device for a notebook computer, a camera device for a tablet, or a camera device for a personal computer. The credit card transaction system according to claim 1, further comprising a display device connected to the credit card swiping device by a signal to provide a face image selection table for the cardholder to select for a second comparison. The credit card transaction system according to claim 3, wherein the face image selection table is a mixture of the cardholder's preset face image and other people's face images. The credit card transaction system according to claim 1, further comprising a display device connected to the credit card swiping device by a signal to provide a prompt question and answer selection table for the cardholder to select for a second comparison. The credit card transaction system according to claim 1, wherein the authentication device retains the instant facial image for 45 to 180 days, and deletes the instant facial image after the cardholder normally pays.