WO2005111876A1 - Procede anti-fraude pour carte de credit - Google Patents

Procede anti-fraude pour carte de credit Download PDF

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Publication number
WO2005111876A1
WO2005111876A1 PCT/CN2005/000655 CN2005000655W WO2005111876A1 WO 2005111876 A1 WO2005111876 A1 WO 2005111876A1 CN 2005000655 W CN2005000655 W CN 2005000655W WO 2005111876 A1 WO2005111876 A1 WO 2005111876A1
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WO
WIPO (PCT)
Prior art keywords
cardholder
credit
card
credit card
limit
Prior art date
Application number
PCT/CN2005/000655
Other languages
English (en)
French (fr)
Inventor
Tsung-Hsing Wei
Original Assignee
Tsung-Hsing Wei
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Tsung-Hsing Wei filed Critical Tsung-Hsing Wei
Priority to MXPA06013147A priority Critical patent/MXPA06013147A/es
Priority to CA002565945A priority patent/CA2565945A1/en
Priority to JP2007511837A priority patent/JP2007537517A/ja
Priority to BRPI0510869-1A priority patent/BRPI0510869A/pt
Priority to EP05745424A priority patent/EP1770615A1/en
Priority to US11/596,058 priority patent/US20080040286A1/en
Publication of WO2005111876A1 publication Critical patent/WO2005111876A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/354—Card activation or deactivation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means

Definitions

  • the invention relates to an anti-theft brush method for a credit card, and more particularly to a technology for changing the credit and payment contained in a general credit card by using a real-time interactive function of a network.
  • a new channel of close interaction between the credit card issuing bank and the cardholder has been created.
  • the authorized computer of the card issuing bank only needs to repair the program and operate under the credit limit, following the instructions issued by the cardholder on the usage limit.
  • each credit card contains a large amount of credit from the bank to the cardholder.
  • the cardholder takes his credit card to go out every day, just like bringing a large wallet into and out of it. Why not Make the rogue covet? So pickpocketing, skimming, and stealing information to make fake cards, do everything, the goal is to look at every credit card, the large amount of cash contained in it.
  • the card-issuing bank bears 24 or 48 hours of stolen credits, and even completely exempts the cardholder to attract consumers to spend with the card.
  • This cut-throat competition is just a pass-through of risk and does not reduce the risk of any theft. Rather, it increases insurance premiums and increases the risk of special stores, leading to cardholders not paying attention to security issues.
  • the issuing bank's database is encrypted, and the firewall is strengthened.
  • Some card-issuing agencies require consumers to fill in a special password or a digital ID when they consume online, in order to strengthen the identification ability during consumption authorization.
  • the card-issuing bank strengthened online authorization monitoring and strengthened real-time screening and filtering functions.
  • Programmable IC chip credit card Please refer to a programmable credit card transaction card disclosed in US Patent No. 5,955,961.
  • the maximum credit line refers to the current credit line granted by the card-issuing bank to the cardholder. This line is based on the financial situation of each applicant and gives a different amount of total credit line.
  • Operating credit (Operating Credi t Line).
  • This name is a creative term as defined in the present invention. It refers to the cardholder's arbitrary credit division by the issuing bank to the cardholder (for example, one tenth).
  • the small amount applicable to the cardholder's consumption in the last two to three days to a week is the highest amount set by the cardholder at the time.
  • the authorization operation does not take the original total credit line as the basis for authorization, but instead uses the available balance of this very small usage line designated by the cardholder as the upper limit of consumption authorization. Although this amount is small, it is more than enough for daily consumption without any hindrance.
  • Available balance (Usable Cret). This name is a creative term defined in the present invention, and refers to the remaining available balance of the above-mentioned usage quota after a certain consumption. Originally, the total credit line of a credit card was fully usable. Only under the new operation mode of the consumption authorization of the present invention, the balance of the total credit line can be divided into two parts: a usable balance and an unusable balance. Under the management of the cardholder, the non-usable part will be converted into usable in batches Status.
  • an object of the present invention is to provide an anti-theft brush method for a credit card.
  • the present invention adopts the following technical solutions:
  • a credit card anti-theft brush method includes the following method steps:
  • the card-issuing bank issues a total credit line to the cardholder and establishes a cardholder credit management webpage for the cardholder;
  • step b The cardholder enters the cardholder's credit management webpage of step a. According to the total credit line issued by the card issuing bank or the remaining total credit line, the credit card's available amount is released in batches to the credit card. Set the applicable consumption limit for consumption authorization; c. Consumption authorization computer of the card issuing bank to recalculate whether the cardholder's current total credit limit is exhausted; if it is exhausted, the cardholder cannot continue to use the credit card; After that, the issuing authorization computer of the issuing bank then executes subsequent consumption authorization operations based on the limit of the use quota set by the cardholder in step b. Or the available balance of this use quota; and
  • the cardholder may perform step b. again and reset the usable amount of the cardholder's credit card.
  • the cardholder credit management webpage established by the card issuing bank for cardholders has the function of providing cardholders to manage personal credits, including: it can display the cardholder's current total credit balance; it can provide cardholder settings applicable Limit consumption authorized usage quota; and available balance showing cardholder's current usage quota. Alternatively, it can also show the issuing bank to the card The total credit line issued by a person.
  • Cardholders can access the card-issuing bank's card holders anytime and anywhere through online tools such as desktop computers (PCs), personal digital assistants (PDAs), notebook computers, or Internet mobile phones.
  • PCs desktop computers
  • PDAs personal digital assistants
  • notebook computers or Internet mobile phones.
  • the human credit management webpage will not be hindered or restricted by time and space.
  • the present invention can also be set up to access the cardholder's credit management webpage with the agreed account number and password; and the cardholder can request as needed , Change the new password by yourself to increase security.
  • the agreed account number and password may be one or more groups of ordinary account numbers and passwords, or may be a digital key (digi ta l ID), or multiple combinations of a composite digital key and an ordinary password.
  • the present invention can also be set such that the card-issuing bank will combine one or more groups of account numbers and passwords, and specifically requires the cardholder to log in to the credit management webpage and issue instructions after one or more verifications.
  • the present invention can also be set up as a card issuer, which can restrict the cardholder to use a specific additional password to access the card issuer's website, to log in to the credit management webpage and issue instructions.
  • a dedicated phone number for a mobile phone or desk phone can be considered a specific additional password.
  • the cardholder may choose to authorize the card-issuing bank to set the usable amount of the credit card as the applicable consumption limit for authorized consumption.
  • the available amount of the person's credit card can be automatically backfilled to the limit consumption authorization previously set by the cardholder; the other is that after the cardholder presses, the available amount of the cardholder's credit card will accumulate as unpressed The sum of the available balance before the credit backfill button and the limit consumption authorization usage limit set by the cardholder.
  • the present invention can provide the cardholder to immediately use the network to access the cardholder's credit management webpage, and modify the credit card's limit consumption authorization usage limit to zero. To prevent theft brush.
  • the credit card anti-theft brush method of the present invention is applicable to a range of credit cards, including credit cards invented by international credit card processing agencies, for example, VISA card, Master Card, JCB card, AMERICAN EXPRESS card, Diners Club card, Carte Blanche card, Enroute card , Di scover card, etc., and includes credit cards issued by domestic joint credit card processing centers, or financial cards that also have the nature of credit cards, for example, financial debit cards, cash advance cards, debit cards, etc.
  • the present invention hopes to use the real-time interactive function of the network to reduce the total credit line issued by the card-issuing bank into a small and applicable limit consumption authorization limit (Operating Credi t Line). How much is the authorized consumption amount of the limit consumption, the authorized computer of the card issuing bank is based on the limit consumption authorization set by the cardholder, which can be used as the credit card's available amount for the cardholder's consumption. However, the cardholder can use the network to instruct the computer at the appropriate time according to the consumption situation, and then fill the balance of its use. It can also further expand or reduce the use quota according to certain needs, thereby further achieving the following effects:
  • the present invention releases the total credit line of the card-issuing bank into a credit card in batches, which changes the usable amount of the credit card.
  • the invention can provide the card issuing bank to launch a new service on the bank website, and provide each cardholder with an exclusive cardholder credit management webpage, which can allow the cardholder to set an applicable consumption limit for consumption authorization, so that When the cardholder consumes, the bank's authorized computer executes the consumption authorization according to the limit consumption authorization usage limit set by the cardholder. After a few days, when the available balance of the usage quota drops to a small amount, the cardholder returns to this dedicated cardholder credit management webpage and passes a credit backfill button on the webpage. After the cardholder presses, The available balance of the cardholder's current usage quota will be automatically backfilled to the previous setting Set the authorized consumption limit for consumption.
  • the available balance of the cardholder's current usage quota will be automatically accumulated into the available balance of the current usage quota and the cardholder before the credit backfill button is pressed The total amount of consumption authorization set by the person.
  • the cardholder After the balance of the usage quota is filled up or accumulated, the cardholder can safely spend within the set range, and the total credit balance of the cardholder will be reduced accordingly. Such repeated use and backfilling cannot be used again until the total credit line is exhausted. Of course, after the payment of the monthly bill, the total credit line was restored.
  • the cardholder sets the applicable limit of consumption authorization on the dedicated cardholder credit management webpage provided by the card-issuing bank (Operating Credi t Line), which is based on the total credit line issued by the card-issuing bank and is divided randomly. (For example, one-tenth of the total credit amount) is entirely determined by the cardholder. This action will reduce the available cash contained in this carry-on credit card to a level that is sufficient for spending these days.
  • the card-issuing bank Operating Credi t Line
  • the innovative model of the present invention guides the overall society to reduce the cost of stealing society at a very low cost. From then on, credit card issuers no longer need to invest in high-cost advanced technology for card anti-theft and anti-counterfeiting. Consumers are always concerned about their spending balance, and the criminal incentives of gangsters are greatly reduced. The whole society will move forward: no road, no sentence, no sentence Datong Realm.
  • FIG. 1 is a flowchart of an anti-theft brushing method for an innovative credit card according to the present invention, and a use flow of consumer personal credit management.
  • FIG. 2 is a mock-up of a personal credit management webpage after consumption by a credit card holder of the present invention. At this point, the available balance set by the cardholder is $ 58.
  • Figure 3 is the change in the sample of the personal credit management webpage of the credit card holder of the present invention after the cardholder presses the "credit backfill” button; the available balance of the cardholder is backfilled from $ 58 to the originally set limit consumption
  • the authorized use quota is $ 2000, an increase of $ 1942, and the corresponding total credit balance has been reduced from $ 13709 to $ 11767.
  • the authority to authorize the computer is increased to $ 2000.
  • Fig. 4 is another embodiment of the present invention.
  • a consumer 10 logs onto the network and enters a card-issuing bank website 15; if this consumer 10 is not a card member 20 of the bank, he needs to log in as a new member 21 Fill in and submit the credit card application form 22, and you can also submit the completed credit card application form 22 by mail, and wait for the issuing bank to issue a total credit line 23 to allow cardholders to spend within this range.
  • the bank cardmembers 20 accountable agreed personal account and password to login cardholder credit management page 30, first of all look at the total credit line And the total available balance is currently 35, then check to see if there are any special large purchases today, and the cardholder can adjust and set the personal limit consumption authorization use limit (Operating Credi t Line) 45, which is today
  • the amount of cash that the cardholder 20 wants to take out which is the total credit line issued by the card-issuing bank, which is arbitrarily divided by the cardholder, is entirely determined by the cardholder; the cardholder sets this limit for consumption authorization
  • it is usually appropriate to use one-tenth to one-twentieth of the total credit line because such a setting not only fully reduces the available cash exposed by this credit card, but also provides short-term daily consumption. It is still more than enough.
  • the computer management system of the issuing bank automatically fills the balance of the credit card's usage limit from zero to the set value of the personal limit consumption authorization usage limit of 45, and His total credit available balance will be reduced accordingly; If the cardholder 20 is an old member, after clicking the "Credit Backfill” button 50, the computer management system of the issuing bank will automatically fill the credit card balance to the previous setting of the cardholder 20
  • the fixed personal limit consumption authorization uses a set value of 45.
  • the available balance of the credit card usage limit was reduced to a low level of 65, as shown in Figure 2.
  • the available balance of the usage limit set by the cardholder 20 is only $ 58, and the cardholder at this time 20
  • a specific account and password or a specific additional password such as a dedicated phone number, or after one or more verifications, log in to the personalized cardholder credit management.
  • the available balance of the cardholder's credit card can be backfilled from $ 58 to the previously set limit consumption
  • the authorized use limit is $ 2000, or, as shown in another embodiment shown in FIG. 4, the available balance of the cardholder's credit card becomes the remaining available balance of $ 58 and the set limit consumption authorization use limit of $ 2,000. $ 2058. Repeat the consumption and backfill process in this way until the total credit limit issued by the card issuer is exhausted, so that it can no longer be used. Of course, after paying the monthly bill, the total available balance can be restored again.
  • the credit card anti-theft method of the present invention is a brand new and unprecedented consumption authorization model for the card issuing bank, and is a brand new and unprecedented credit card usage model for consumers.
  • This innovative credit card The anti-theft brush method has built a world of peace and harmony with less disputes at an unprecedented low cost.

Description

信用卡的防盗刷方法 技术领域
本发明涉及信用卡的防盗刷方法， 尤指利用网络实时互动功能， 改变一般信用卡内含的信用与支付的技术。透过网络， 创造出信用卡 发卡银行与持卡人之间紧密互动的新管道，发卡银行的授权计算机只 要小修一下程序，在授信额度之下， 听从持卡人对使用额度所下达的 指令而运作， 既可降低一张信用卡的曝露现金 (可动用余额）， 又可随 时作适时适量的修改， 以适应消费者变动不羁的消费型态， 并达到防 止盗刷的全新服务模式。
背景技术
在现有技术中 ,每一张信用卡都内含银行对持卡人的大笔授信总 额， 持卡人每天带着他的信用卡出门， 就像带着一个大钱包， 带进带 出， 怎不令歹徒垂涎觊觎？ 于是扒窃， 侧录， 截窃资料制伪卡， 无所 不用其极， 其目标就是看准了每张信用卡， 所内含的大把现金。
目前发卡银行实行防止盗刷的普遍作法如下：
1.发卡银行承担 24或 48小时的盗刷损失， 甚至让持卡人完全免 责， 以吸引消费者持卡消费。 这种割喉竟争， 只是把风险转嫁， 并没 有减低任何盗窃风险， 反而使保险费升高， 特约店风险提高， 更导致 持卡人不重视安全问题。
2.推动芯片卡（smart card) , 以保护持卡人相关信用资料。 但道 高一尺，魔高一丈，破解芯片内容对计算器骇客高手而言，并不困难， 一旦芯片内容被解读，更多资料及金钱外泄，将是持卡人的一场灾难。
3.发卡银行数据库加密， 加强防火墙。
4.有些发卡 4艮行机构，要求消费者在网络消费时， 需填写特别密 码或数码识别码（digi tal ID) , 以加强消费授权时的辨识能力。
5.发卡银行加强线上授权监视， 加强实时筛选过滤功能。
6.加强网络 ISP的数据库加密， 加强防火墙。
7.限制接触敏感资料的员工数。
另外有许多构思精巧的创新，但皆因设备投资过大，或使用不便， 甚至严重侵犯隐私， 以致不易实施， 例如：
1.使用指紋码烧入磁条的信用卡。请参考美国专利 5, 509, 083号， 其中涉及个人身份证进行确认身份的方法和装置。
2.将一个信用卡分成二个部份，使用时需将二个分开的部份信用 卡合起来才能刷卡的信用卡。 请参考美国专利 5, 538, 291号披露的防 盗信用卡。
3.采取新旧卡会合， 才能开新卡的信用卡。 请参考美国专利 5, 648， 647号披露的一种防止信用卡盗刷的调度系统。
4.可程序的 IC芯片信用卡。 请参考美国专利 5, 955, 961号披露的 一种信用卡可程序化的交易卡。
5.验指纹的信用卡。 请参考美国公开 20010053239号披露的一种 信用卡欺祚消除系统。
6.比对声纹的网络交易。 请参考美国公开 20020046055号披露的 网际网络月艮务的生物统计辩识系统和方法。 7.限时段、 限商店、 限金额、 限区域的信用卡。 请参考美国公开 20020099648号披露的一种減少信用卡和其它电子商务遭受欺诈的方 法。
以上所有现行作法及创新种种，无论如何巧妙，都有一共同特征： 与犯罪集团进行一场科技竟赛， 道盗消长， 循环不已， 永无宁日， 对 于信用卡所内含的大把现金诱惑， 却始终高高挂在那一张卡片上， 丝 毫没有改变。
总授信额度 (Maximum Credi t Line)指现行发卡银行授予持卡人 的授信额度， 此额度是根据申请人各人财务情况不同， 给与不同数量 的总授信额度。
使用额度（Operat ing Credi t Line) , 此名称为本发明所定义的 创造名词， 指持卡人将上述发卡银行对持卡人的总授信额度， 任意分 割成小块 (譬如十分之一），适用于持卡人最近二三天至一周消费使用 的限额小额度，是持卡人所设定自己当时可动用的最高额度。每当消 费时，授权作业并不以原本的总授信额度为授权的依据，反而依持卡 人所指定此一极小的使用额度的可动用余额，作为消费授权上限。 此 数额虽小， 对日常的消费用度， 仍綽绰有余并无任何妨碍。
可用余额 ( Usable Credi t ) , 此名称为本发明所定义的创造名 词， 指上述使用额度的经某次消费后所剩余的可动用余额。原本一张 信用卡的总授信额度整个都是可动用的，唯有在本发明的消费授权新 操作模式下， 才将总授信额度的余额划分为， 可动用余额与不可动用 余额二部分。在持卡人的管理下， 不可动用部分将分批转变为可动用 状态。
发明内容
为了克服现有技术的不足之处，本发明的目的在于提供一种信用 卡的防盗刷方法。
为了完成本发明的目的， 本发明采用如下技术方案：
一种信用卡的防盗刷方法， 包括以下方法步骤：
a.发卡银行核发一个总授信额度给持卡人，且为持卡人建立持卡 人信用管理网页；
b.持卡人进入步驟 a.的持卡人信用管理网页，依据发卡银行核发 的总授信额度或目前剩余的总授信额度，以分批释放给信用卡使用的 方式，将信用卡的可动用金额，设定成适用的限额消费授权使用额度； c发卡银行的消费授权计算机，重新计算持卡人目前剩余的总授 信额度是否耗尽，若耗尽，持卡人不能再继续使用信用卡；若未耗尽， 发卡银行的消费授权计算机，此后即依据持卡人在步驟 b.所设定的使 用额度设定值或这个使用额度的可用余额为限，执行后续的消费授权 作业； 及
d.持卡人得再次执行步骤 b.和重新设定持卡人的信用卡的可动 用金额。
其中， 发卡银行为持卡人建立的持卡人信用管理网页， 具有提供 持卡人管理个人信用的功能， 包括： 可以显示持卡人目前的授信总余 额； 可以提供持卡人设定适用的限额消费授权使用额度； 和可以显示 持卡人目前使用额度的可用余额。或者， 还可以显示发卡银行对持卡 人所核发的总授信额度。
持卡人通过上网工具， 例如通过桌上计算机 (PC)、个人数字助理 (PDA)、 笔记计算机 (Notebook Computer)或上网手机 (Internet Handphone)等上网工具，可以随时随地进入到发卡银行的持卡人信用 管理网页， 不会受到时间、 空间的阻碍或限制。
但基于安全保障， 当持卡人利用网络进到发卡银行网站的时候， 本发明还可设成需凭约定的帐号与密码才可进入到持卡人信用管理 网页； 且持卡人可依需要， 自行更换新密码以增加安全。
所述的约定的帐号与密码可以是一組或多组的普通帐号与密码， 也可以是数字金钥（digi ta l ID) , 或复合数字金钥与普通密码的多种 组合。
除此之外，本发明还可设成发卡银行会依据一组或多组的帐号与 密码组合， 而特别要求持卡人经过一次或多重验证之后， 才能登入信 用管理网页和发出指令。
本发明还可设成发卡 4艮行可限定持卡人必须使用特定附加密码 才能接触发卡 4艮行网站， 才能登入信用管理网页和发出指令。 例如， 某一行动电话或桌上电话的专用电话号码，就可视为一种特定附加密 码。
或者，持卡人也可选择经由书面授权发卡银行代为将信用卡的可 动用金额， 设定成适用的限额消费授权使用额度。
所述的持卡人信用管理网页中还设有一个信用回填钮，且本发明 依据使用状况设成两种不同实施例，其中一种是持卡人按压后， 持卡 人的信用卡的可动用金额，可自动回填至持卡人前一次设定的限额消 费授权使用额度； 另一种是持卡人按压后，持卡人的信用卡的可动用 金额，将累积成为未按压信用回填钮之前的可用余额与持卡人所设定 的限额消费授权使用额度的总合。
因此， 当持卡人的信用卡遭窃的时候， 本发明可以提供持卡人立 即利用网络进入到持卡人信用管理网页，将信用卡的限额消费授权使 用额度修改为零， 不受时空限制可立即达到防止盗刷的目的。
本发明的信用卡的防盗刷方法， 可适用的信用卡范围， 包括国际 信用卡处理机构发明的信用卡， 例如， VISA卡， Mas terCard卡， JCB 卡， AMERICAN EXPRESS卡， Diners Club卡, Carte Blanche卡， Enroute卡， Di scover卡等， 和包括国内联合信用卡处理中心所发行 的信用卡， 或同样具有信用卡性质的金融卡片， 例如， 金融提款卡、 现金透支卡、 转帐卡等。
总之， 本发明就是希望利用网络实时互动功能， 将发卡银行所核 发的总授信额度，分割变小成为小额且适用的限额消费授权使用额度 (Operat ing Credi t Line) , 消费者决定自己适用的限额消费授权使 用额度要多少，发卡银行的授权计算机即依据持卡人设定的限额消费 授权使用额度，作为持卡人消费时的信用卡可动用金额。但持卡人可 以随着消费状况， 在适当时间， 利用网络指示计算机， 再充填其使用 余额，也可以依某种需要进一步扩大或缩减此使用额度， 因而进一步 达到下列效果 ：
1.消费者主控管理自有信用卡的使用方式。 2.消费者主控消费授权计算机的授权方式。
3.防止或减 <任一形态的失窃损失。
4.大大减低歹徒犯罪诱因。
5.交易三方（买方， 卖方， 发卡方）都不增加成本的前提下， 市场上 的交易端， 完全按照原本交易方式平顺进行， 交易手续， 交易授权时 间， 交易刷卡设备， 没有一项必需因实施本发明而改变。
基本而言， 本发明将发卡银行的总授信额度， 分批释放到一张信 用卡内， 改变了这张信用卡的可动用金额。
现行信用卡， 无论磁条型或芯片型，都由发卡银行批准一个总授 信额度， 让持卡人在这个范围内消费， 然而对持卡人而言， 这张卡等 于让消费者每天带着一大包现金， 在街上走来走去， 万一遭窃， 被歹 徒盗刷或制成伪卡， 其损失都是难以承受的沉重。
现代人的工作， 休闲， 娱乐， 样样离不开网絡。 而每一家信用卡 发卡机构，也都有网站，但大都只是个政令宣导，或作形象广告之处， 网站的服务功能有限。
本发明可提供发卡银行在银行网站上推出一种新服务，为每一位 持卡人提供一个专属的持卡人信用管理网页，可以让持卡人设定适用 的限额消费授权使用额度， 使得持卡人消费时，银行的授权计算机即 依据持卡人所设定的限额消费授权使用额度执行消费授权。 几天后， 当这个使用额度的可用余额， 降到剩余不多的时候，持卡人回到这个 专属的持卡人信用管理网页，通过网页上的一个信用回填钮，持卡人 按压后，持卡人的目前使用额度的可用余额， 将自动回填至前一次设 定的限额消费授权使用额度。
或者，持卡人按压持卡人信用管理网页中的信用回填钮后，持卡 人的目前使用额度的可用余额，将自动累积成为未按压信用回填钮之 前的目前使用额度的可用余额与持卡人所设定的限额消费授权使用 额度的总合。
这个使用额度余额填满或累积增加后，持卡人又可以在设定范围 内放心消费， 而持卡人总授信余额， 将相对应降低。 如此重复使用及 回填， 直到总授信额度耗尽， 就不能再用。 当然缴付当月帐单之后， 总授信额度便又恢复了。
持卡人在发卡银行提供的专属的持卡人信用管理网页上设定适 用的限额消费授权使用额度 （Operat ing Credi t Line) , 是依据发卡 银行所核发的总授信额度， 经过任意分割而来（譬如总授信额十分之 一）， 完全由持卡人自主决定， 此一动作将这张随身携带的信用卡的 内含可用现金， 大大降低到足够这几天花用消费就够了。
请想象一下， 当这张信用卡遭窃， 如果持卡人的行动够快， 立刻 利用无所不在的网络，进入个人化持卡人信用管理网页，迅速修改『使 用额度』为零， 立刻阻绝任何的盗刷发生； 如果持卡人的行动太慢， 授权计算机仍然依照前述使用额度的可用余额，执行后续所有消费授 权， 持卡人的损失只有那些花剩的余钱， 歹徒的犯罪所得不高， 可说 『利润微薄多了』 ， 因而自然消弭犯罪动机。
另外， 学生卡的使用额度设定权（密码）交给父母， 将一举解决因 学生卡泛滥爆卡， 而导致学生家长普遍与发卡银行对立的难题， 成为 皆大欢喜的局面。
如上所述， 当发生伪卡盗刷， 消费者损失降低， 特约商店损失降 低， 发卡银行损失降低， 各方之间诉讼减少。 本发明的创新模式， 以 极低的成本， 导引整体社会的盗刷社会成本降低。从此信用卡发卡机 构， 再不必为卡片防盗防伪， 投资高成本先进科技， 消费者则时时关 心自己的消费余额， 而歹徒的犯罪诱因大大减低， 整个社会将迈向： 路不拾遗， 刑期无刑的无纷争大同境界。
附图说明
图 1是本发明创新的信用卡的防盗刷方法流程图， 及消费者个人 信用管理的使用流程。
图 2是本发明的信用卡持卡人消费后的个人信用管理网页摹拟样 本。 此时持卡人设定的使用额度的可用余额为 $58元。
图 3是本发明的信用卡持卡人的个人信用管理网页摹拟样本中， 持卡人按下『信用回填』钮后的变化； 持卡人的可用余额由 $58元回 填到原先设定的限额消费授权使用额度 $2000元， 增加 $1942元，相对 应的其授信总余额由 $13709元降低到 $11767元， 而消费购物时，授权 计算机的权限又提高到 $2000元。
图 4是本发明的另一实施例，如图 2当持卡人设定的使用额度的 可用余额为 $58元， 信用卡持卡人在个人信用管理网页摹拟样本中， 持卡人按下『信用回填』钮后的变化； 持卡人的可用余额由 $58元再 累积加上原先设定的限额消费授权使用额度 $2000元， 成为 2058元， 增加 $2000元， 相对应的其授信总余额由 $13709元降低到 $11709元， 而消费购物时， 授权计算机的权限提高到 $2058元。
具体实施方式
以下将结合附图， 详细说明实施方式如下：
参见图 1， 图 2及图 3, —位消费者 10登上网络， 进入某发卡银行 网站 15 , 如果这位消费者 10不是本行持卡会员 20, 则需登录为新会员 21 , 可由线上填写递交信用卡申请书 22 , 也可用邮寄递交填妥的信用 卡申请书 22 , 等待发卡银行核发一个总授信额度 23， 让持卡人在这个 范围内消费。如果这位消费者 10已通过授信手续，是本行持卡会员 20 , 则这位持卡会员 20须凭约定的帐号及密码登入个人化持卡人信用管 理网页 30, 首先察看总授信额度及可用总余额目前是多少 35 , 然后察 看考虑今天有没有特殊大笔购物消费，持卡人可据以调整设定个人的 限额消费授权使用额度（Operat ing Credi t Line) 45 , 这个数额就是 今天持卡会员 20欲带出门的现金数量，这是从发卡银行所核发的总授 信额度， 经过持卡人任意分割而来的， 完全由持卡人自主决定； 持卡 人设定此限额消费授权使用额度的时候，通常以总授信额度的十分之 一到二十分之一是适当的，因为这样的设定既充分降低这张信用卡所 曝露的可动用现金， 又提供短天期日常消费， 仍綽绰有余的额度。
如果这位持卡会员 20, 是第一次进入持卡人信用管理网页 30, 他 的目前使用额度余额是零， 而他的总授信额度 23, 此时是满满的未动 用状况， 持卡会员 20按一下『信用回填』钮 50后， 发卡 4艮行的计算机 管理系统自动将这张信用卡的使用额度余额，从零填充至个人的限额 消费授权使用额度 45的设定值，而他的总授信可用余额，则相应降低； 如果这位持卡会员 20是老会员， 同样按一下『信用回填』钮 50后， 发 卡银行的计算机管理系统自动将这张信用卡的使用额度余额，填满至 这位持卡会员 20前一次设定的个人限额消费授权使用额度 45的设定 值。持卡会员 20退出并关闭其信用管理网页 30后， 可以上街或上网消 费 55， 此时持卡人的任一笔持卡消费授权，发卡银行的计算机管理系 统永远以持卡人所设定的限额消费授权使用额度的可用余额为限 60。
数天消费之后，张信用卡的使用额度的可动用余额减少到低水准 65 , 如图 2所示， 假设持卡会员 20所设定的使用额度的可用余额只剩 余 $58元， 此时持卡会员 20可以随时随地通过上网工具重新回到发卡 4艮行网站 15 , 凭约定的帐号与密码或专用电话号码等特定附加密码， 或经过一次或多重验证之后， 再登入到个人化持卡人信用管理网页 30,并重新回填或设定这张信用卡目前使用额度的可用余额至设定值 50, 以备使用。 例如， 如图 3所示， 假设这位持卡会员 20重新回填或 设定这张信用卡的可动用金额后， 持卡人的信用卡的可用余额可从 $58元回填到前次设定的限额消费授权使用额度 $2000元， 或者， 如图 4所示的另一实施例， 持卡人的信用卡的可用余额成为将剩余的可用 余额 $58元与所设定的限额消费授权使用额度 $2000元一起累积总合 成 $2058元。 如此重复消费与回填过程， 直到发卡 亍所核发的总授 信额度耗尽， 从而不能再继续使用。 当然缴付当月帐单之后， 可用总 余额便又可恢复。
如图 1所示， 某日持卡会员 20消费之后， 信用卡遭窃， 持卡人立 刻利用无所不在的网络， 通过桌上计算机 (PC)、个人数字助理（PDA)、 笔记计算机（Notebook Computer)或上网手机（Internet Handphone) 的其中一种上网工具， 进入到个人化持卡人信用管理网页 30之后，迅 速修改和设定个人的限额消费授权使用额度为零 70 ,使得发卡银行的 授权计算机的授权额度为零 75,便不能授权信用卡实际使用， 自然立 刻阻绝任何后续盗刷 80发生。 另外，使用额度的余额早已因消费而大 幅降低， 即使歹徒盗刷得逞， 造成持卡人损失微小， 就像皮夹里的余 钱丟了， 歹徒获利则仅为限额消费授权使用额度的余额， 因此降低歹 徒犯罪诱因。
可能有人认为， 每隔数天要进入个人化持卡人信用管理网页 30 回填使用额度至设定值， 会很麻烦。 事实上， 现代人每天的工作， 休 闲， 娱乐， 都离不开网络， 就像人人出门前检查一下皮夹一样， 结束 工作时或结束娱乐时到持卡人自己的信用管理网页巡视一下目前余 额， 并不麻烦， 反而成了每日必需的生活习惯。 对于年长持卡人或不 便使用网络的持卡人， 无法亲自管理时，持卡人可经由书面授权发发 卡银行代为设定个人的限额消费授权使用额度的金额大小，及每经几 天由系统自动代为回填限额消费授权使用额度的设定，一样可以大大 降低失卡风险， 又不影响信用卡的便利性。
如上所述， 本发明的信用卡的防盗刷方法对发卡银行而言， 是一 全新的， 前所未有的消费授权模式， 对消费者而言， 是一全新的， 前 所未有的信用卡使用模式，本创新的信用卡的防盗刷方法以前所未有 的低成本， 构建出一个少纠纷的和乐大同世界。

Claims

权 利 要 求
1.一种信用卡的防盗刷方法， 包括以下步骤 ：
a.发卡银行核发一个总授信额度给持卡人，且为持卡人建立持卡 人信用管理网页；
b.持卡人进入步骤 a.的持卡人信用管理网页，依据发卡银行核发 的总授信额度或目前剩余的总授信额度，以分批释放给信用卡使用的 限额方式，使信用卡的可动用金额，设定成适用的限额消费授权使用 额度；
c发卡银行的消费授权计算机，重新计算持卡人目前剩余的总授 信额度是否耗尽，若耗尽，持卡人不能再继续使用信用卡；若未耗尽, 发卡银行的消费授权计算机，此后即依据持卡人在步骤 b.自行设定的 使用额度设定值或以这个使用额度的可用余额为限，执行后续的消费 授权作业； 及
d.持卡人随时可再次执行步骤 b.和重新设定持卡人的信用卡的 可动用金额。
2.根据权利要求 1所述的信用卡的防盗刷方法， 其特征在于， 持卡人 通过执行步骤 d.将信用卡的限额消费授权使用额度修改为零，以防止 的信用卡遭窃或盗刷。
3.根据权利要求 1所述的信用卡的防盗刷方法， 其特征在于， 持卡人 通过桌上计算机、个人数字助理、笔记计算机或上网手机的其中一种 上网工具进入到持卡人信用管理网页。
4.根据权利要求 1所述的信用卡的防盗刷方法， 其特征在于， 持卡人 执行步骤 b.时必须凭约定的帐号与密码进入到持卡人信用管理网页。
5.根据权利要求 4所述的信用卡的防盗刷方法， 其特征在于， 所述的 约定的帐号与密码是指一组或多组的普通帐号与密码， 数字金钥 (digi tal ID) , 或复合数字金钥与普通密码的多种组合。
6.根据权利要求 1所述的信用卡的防盗刷方法， 其特征在于， 持卡人 执行步骤 b.时必须经过发卡银行依一组或多组的帐号与密码组合的 一次或多重验证， 才可进入到持卡人信用管理网页。
7.根据权利要求 4所述的信用卡的防盗刷方法， 其特征在于， 持卡人 执行步驟 b,时必须使用发卡银行限定的特定附加密码才可进入到持 卡人信用管理网页。
8.根据权利要求 7所述的信用卡的防盗刷方法， 其特征在于， 所述的 特定附加密码是指行动电话或桌上电话的专用电话号码。
9.根据权利要求 1所述的信用卡的防盗刷方法， 其特征在于， 步骤 a. 所述的持卡人信用管理网页， 具有提供持卡人管理个人信用的功能， 至少包括以下项目：
a.显示持卡人目前的授信总余额；
b.提供持卡人设定适用的限额消费授权使用额度： 及
c显示持卡人目前使用额度的可用余额。
10.根据权利要求 9所述的信用卡的防盗刷方法， 其特征在于， 所述的 持卡人信用管理网页中进一步包括显示发卡银行对持卡人所核发的 总授信额度。
11.根据权利要求 9所述的信用卡的防盗刷方法， 其特征在于， 所述的 持卡人信用管理网页中设有一个信用回填钮，持卡人按压后，持卡人 的信用卡的可动用金额，将自动回填至持卡人前一次设定的限额消费 授权使用额度。
12.根据权利要求 9所述的信用卡的防盗刷方法， 其特征在于， 所述的 持卡人信用管理网页中设有一个信用回填钮，持卡人按压后，持卡人 的信用卡的可动用金额，将累积成未按压信用回填钮之前的 ϋ前使用 额度的可用余额与持卡人所设定的限额消费授权使用额度的总合。
13.根据权利要求 1所述的信用卡的防盗刷方法， 其特征在于，发卡银 行授信和核发一个总授信额度给持卡人使用的信用卡， 包括 VISA卡， Mas terCard卡， JCB卡， AMERICAN EXPRESS卡， Diners Club卡， Carte Blanche卡， Enroute卡， Discover卡，或具有信用卡性质的金融卡片、 金融提款卡、 现金透支卡、 转帐卡。
14.根据权利要求 1所述的信用卡的防盗刷方法， 其特征在于，持卡人 执行步骤 b.时，持卡人可选择经由书面授权发卡银行代为将信用卡的 可动用金额， 设定成适用的限额消费授权使用额度。
15.根据权利要求 1所述的信用卡的防盗刷方法， 其特征在于，持卡人 执行步骤 d.时，持卡人可选择经由书面授权发卡银行代为重新设定持 卡人的信用卡的可动用金额。
PCT/CN2005/000655 2004-05-14 2005-05-11 Procede anti-fraude pour carte de credit WO2005111876A1 (fr)

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CA002565945A CA2565945A1 (en) 2004-05-14 2005-05-11 A method of anti-fraud for credit card
JP2007511837A JP2007537517A (ja) 2004-05-14 2005-05-11 クレジットカードの第三者による不正使用を防止する方法
BRPI0510869-1A BRPI0510869A (pt) 2004-05-14 2005-05-11 método anti-fraude para cartão de crédito
EP05745424A EP1770615A1 (en) 2004-05-14 2005-05-11 A method of anti-fraud for credit card
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RU2006142364A (ru) 2008-06-20
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US20080040286A1 (en) 2008-02-14
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