Embodiment
In order to explain technical scheme of the present invention further, below by specific embodiment, the present invention will be described in detail.
The present invention mainly provides one not need to manifest personal information and account completely, but accurately can show the correct identity of holder, Payment Amount and payee's identity, effectively prevent the complete dynamically numerical digit electric payment transaction identity identifying method of the stolen or high security falsely used of the personal information of payer, first a chip fiscard is set by holder to card sending mechanism application, built-in one computing formula assert by card sending mechanism in the chip of each chip fiscard; When holder uses this chip fiscard to carry out financial transaction, this chip fiscard 11(is as shown in Figure 1), the read module 20 provided through financial transaction system and long-range card sending mechanism 30 (or card sending mechanism entrust agency) are online.
When this financial transaction behavior is settled accounts, by the shroff account number of financial transaction system by this financial transaction behavior, Payment Amount, the identification serial number of this financial transaction behavior, the built-in computing formula of this chip fiscard 11 brought in the I.D. font size of this chip fiscard holder, the respective value produced will be calculated again, in conjunction with at least one group of invisible-digital (described at least one group of invisible-digital can be the account number cipher of this chip fiscard) that holder inputs in time consuming, and then acquisition one group is by the payment account number of this financial transaction behavior, the dynamic combined code row transmission again that the information data such as shroff account number and spending amount is converted.In order to do can by the foundation of this dynamic combined code as card sending mechanism certification holder identity, and reduce the risk that holder's personal information and account copied, falsely use.
The chip finance khaki configured due to the I.D. font size of each holder carry out calculation procedure content everyone neither with, its content only has card sending mechanism to confirm, so the payment account number code of its I.D. font size and configuration thereof must entirely truely could start when starting payment, obtain correct respective value simultaneously, therefore a kind of Dual-factor identity authentication function can be provided, and data transfer presents with dynamic digital completely, therefore personal information does not have the problem leaked, this function is that holder cannot falsely use others' account, and others also cannot falsely use cardholder accounts, especially, I.D. font size and the account of holding card people must be that same holder just can obtain correct respective value, therefore can effectively prevent from manufacturing false card and falsely using others' personal information application chip fiscard.
Again, dynamic combined code each numerical value under all assembled state, must and above-mentioned each group of code (the I.D. font size of shroff account number, Payment Amount, identification serial number, chip fiscard holder) dynamic combined after each numerical value produce inevitable correspondence, not only can confirm the identity of payer, relative payee's identity and Payment Amount cannot be changed halfway; If payee's identity and Payment Amount are once change, the numerical value of gained necessarily mistake, cannot pass through payment program certainly.
In the figure row mode shown in Fig. 2, be shown in the component part transmitting correlative code when carrying out financial transaction behavior (eCheck is signed and issued), wherein, the numeral (0000000000) of first row represents payee's fiscard identification number; The numeral (0000000000) of secondary series represents financial transaction Payment Amount; Tertial numeral (Xxx0000000) is that to represent financial transaction Activity recognition sequence number (as the automatic consecutive numbers of cheque number) front trigram be payment account number code, by holder's sets itself, represents credit card respectively, cash card, check account number etc.; The numeral (0000000000) of the 4th row represents payer's fiscard identification card number; The numeral (0000000000) of the 5th row represents pay content, as guiding principle purchases pay on delivery, and business postdated checks, contract is paid by instalments etc. for a long time; Finally can produce dynamic combined respective value (Xxxxxxxxxxxxxxxxxxxx).From above-mentioned numeral because (stealth) below cheque number change generation is digital dynamically, each number represents different computing formula, thus produces the respective value of different dynamic numbers.
And via the different numerical value correspondences that each financial transaction behavior different digital combination produces; show with the numeral of combination completely in transmittance process; therefore openly can transmit and do not need specific transmission such as calculating punch or intelligent mobile phone etc. to arrange safeguard measure layer by layer to check identity and the amount of money; to any electronics path (as network, mobile phone, phone etc.), there is security and convenience equally; and ensure privacy completely; the restriction in not free place, facilitates again fast simultaneously.
In the invisible-digital using chip fiscard to input each time, then there is the cryptographic function adding strong identity authentication as holder, because when the invisible-digital of input error, the respective value of mistake must be there is in dynamic combined code, now card sending mechanism can carry out the preventive measure verifying identity, simultaneously when card sending mechanism can from the source (as code error, amount of money change, account code mistake, payee's code error) of telling mistake during dynamic combined code mistake, with the means of relative active in response to different crime approach, and different reactive measures can be made.
In the figure row mode shown in Fig. 3, be shown in the component part (calculation procedure combination) transmitting correlative code and concealed code when carrying out financial transaction behavior (eCheck is signed and issued), wherein, the numeral (0000000000) of first row is that before representing cheque number, trigram is payment account number code; The numeral (0000000000) of secondary series represents payer account number's (credit card, cash card, mercantile check); Tertial numeral (0000000000) represents Payment Amount; The numeral (0000000000) of the 4th row represents payee's identification card number; The numeral (0000000000) of the 5th row represents payer's identification card number; The numeral (0000000000) of the 6th row is representative input payer features; The numeral (0000000000) of the 7th row is that representative input payer identity data is as licence number or identification card number; The numeral (0000000000) of the 8th row represents pay content; The numeral (0000000000) of the 9th row represents type of payment; Dynamic combined respective value (Xxxxxxxxxxxxxxxxxxxxxx) after finally can being combined by the calculation procedure that above-mentioned digitized representation is different.
Because the present invention can provide one not need to manifest personal information and account completely, but accurately can show the correct identity of holder, Payment Amount, payee's identity, pay content, effectively prevent the multi-functional complete dynamically numerical digit electric payment transaction authentication method of the stolen or high security falsely used of the personal information of payer, described authentication method, first a chip fiscard is set by holder to card sending mechanism application, built-in one dynamic computational formula set by card sending mechanism in the chip of each chip fiscard; When holder uses this chip fiscard to carry out financial transaction, as shown in Figure 2, produce other numeral changes because the change of fiscard identification serial number drives, numeral change produces computing formula change, produce dynamic corresponding dynamic value via formula change, namely complete signing and issuing of so-called eCheck.
And, when this financial transaction behavior, the chip of this chip fiscard is by the shroff account number of this financial transaction behavior, Payment Amount, fiscard transaction sequence number, pay content, fiscard holder ID (identity number) etc. proceeds to invisible portion calculation combination, as Fig. 3, in conjunction with holder's payment account number, identity data carry out calculation combination produce corresponding dynamic value again row transmit, in order to do can by the foundation of this dynamic combined code as card sending mechanism certification holder's identity and pay content, with the risk stopping holder's personal information and account is copied, falsely uses.
In principle, the present invention can set contract transact payment by holder, and as net purchase pay on delivery, commercial activity postdated checks is paid the bill, the payment etc. of other agreements.And dynamic digital (eCheck) can be utilized any transferable instrument transmission by holder by the present invention, not need to hold and determine path, because it is dynamically digital once by the respective value of its generation mistake that alters, cannot complete trading activity.Each process is all had a multilayer and is mutually confirmed function: as account code, fiscard identification card number has cryptographic function simultaneously, account input has mutual authentication function simultaneously, Payment Amount has that to confirm that payment correct function, payee's number have payment object errorless etc., there is multi-level certification, different current existing single track authentication method risk.Even, limit can being set by holder and pay the bill on a small quantity, maybe needing input password height denomination payment or selection to manifest holder's personal characteristics for verifying.
Again, the present invention can have multi-level authentication function simultaneously, as received, payer's identity, Payment Amount, pay content etc., change and only have authentication at present, expand and use banking operation, as the commercial activity check that existing market uses, cash card, credit card, promissory note, the functions such as net purchase pay on delivery, and safer, easy, fast, save bank's opex, assemble one in conjunction with current all payment behavioral functions.There is the function that the existing payment of cheque is all.
The chip that the fiscard ID (identity number) of each possessor configures its carry out calculation procedure content everyone neither with, its content only has card sending mechanism can confirm (according to fiscard identification number) so its identification number and payment account number and this chip content must entirely truely could start when starting payment, obtain correct respective value simultaneously, there is Dual-factor identity authentication function, and data transfer presents with dynamic digital completely, therefore personal information does not have the problem leaked, this function is that holder cannot falsely use others' account, and others also cannot falsely use cardholder accounts, especially the fiscard identification number of possessor and account must be that same holder just can obtain correct respective value, therefore effectively prevent from manufacturing false card and falsely using others' personal information application chip fiscard.
By financial transaction system by disappointed number of the gathering when time banking operation, Payment Amount, payer's fiscard identity code, the identification serial number of financial transaction behavior, pay content, and the payment account number of stealth, the messages such as identity data represent with ten digits with each event, and each numeral change, the change of built-in computing formula will be produced, thus dynamic digital respective value is produced, again this message and respective value are produced the row transmission again of dynamic combined code, namely transmit again after leading certification, checked according to holder's fiscard ID (identity number) by card sending mechanism again, being different from prior art adopts first delivering trade information through calculating punch, dynamic password machine is again by card sending mechanism certification, thus produce and therefrom usurped chance by network hacker or person who is ambitious or tenacious of purpose.
When holder carries out collecting money or paying the bill, can transfer accounts immediately as cash circulation fast, convenient, whole day is suitable for for 24 hours simultaneously, the safe ready of cash circulation will be changed, and by holder when carrying out financial transaction by the required amount of money, account, payee, identity data and pay content etc. input and to be transformed into steady shape dynamically digital, produce dynamic calculation procedure and produce multi-functional identity and the content authentication thereof of dynamic respective value, change existing paper check and convert eCheck to, not only there is the repertoire that existing financial transaction behavior is all, and trading activity (applicable credit card simultaneously can be carried out by electron transmission, remittance, mercantile check, pay in cash) bring disaster to speed, convenient, safety will be the key changing current financial transaction behavior.
As for, difference then can be worked out the fiscard identification card number of chip calculation process formula configuration by card sending mechanism, what holder need use belong to together holder under one's name account (comprising credit card, cash card, checking account) is registered in fiscard chip, namely produces the function of polygon mutual confirmation.And at once automatically producing confirmation function when using at every turn, different existing credit card is confirmed by calculating punch and use needs the trouble of each confirmation at every turn.
When the present invention can set this chip fiscard by holder to card sending mechanism application, apply for the standby card of setting one simultaneously, as shown in Figure 4, this standby card 12 is defined only can transfer accounts (certainly to this chip fiscard 11, this chip fiscard 11 also possesses the function can transferred accounts to this standby card 12 simultaneously), just most money is selected to deposit in this standby card 12 for consumer, limited money is stored in this chip fiscard 11 for out using, and when needed for financial transaction behavior during insufficient in amount, in real time money can be proceeded to chip fiscard 11 by standby card 12 and block.
The present invention sets this chip fiscard during in holder to card sending mechanism application, no matter whether apply for the standby card of setting one, in time implementing, all can comprise following safeguard procedures further:
(1) setting up password can be set by card sending mechanism to this chip fiscard further, for the identity authentication function strengthening holder.
(2) can be set the I.D. font size of holder by holder, automatically be shown in financial transaction system, or set the I.D. font size of holder by holder in time using each time, when each use, row inputs financial transaction system again.
(3) when can be set the high amount payment of at least one confession by holder or Password Input mistake is occurred, for holder's feature of carrying out verifying; Described holder's feature can be chosen as photo, height, body weight, resemblance, telephone number, the combination of licence number one of them or its.
Certainly, also can set the limit Payment Amount of two levels, can from above-mentioned safety practice optional one when carrying out micropayment, can select during high amount payment two or more all can, use the loss reducing stolen probability and reduce money.
Compare with traditional prior art, the complete dynamically numerical digit electric payment transaction identity identifying method of the high security disclosed by the present invention, can produce following effect:
(1) authentication of holder has the verification process of multiple level (such as: the ID (identity number) card No. of holder and account must be same people, coordinate password setting, and check the feature of holder) etc.
(2) transmission of All Activity information is with the data needed for data replacement holder; and be all that disposable dynamic data presents each time; therefore do not need to establish layer by layer protection can openly transmit do not have safety on problem and privacy leak; thus usable range is broader; there is the function using check at present simultaneously, but saferly can complete the function of a receipts/fund fast.
(3) being different from prior art can only to the authentication of holder, the complete dynamically numerical digit electric payment transaction identity identifying method of the high security disclosed by the present invention, the information such as payer's identity of this financial transaction, payee's identity and dealing money can be confirmed simultaneously, Payment Amount can not be there is be modified, or the situation that payee, payer's identity are wrong.
(4) be different from after prior art adopts first delivering trade information and do authentication again, the complete dynamically numerical digit electric payment transaction identity identifying method of the high security disclosed by the present invention, after can first completing appoint card to information such as payer's identity of this financial transaction, payee's identity and dealing money, row transmits relationship trading message again, therefore with comparatively positive means, the risk falsely using other people fiscard crime can be reduced.
(5) security is high, and the account (or chip fiscard account) due to holder is all stealthy, only replaces (input of code has the function of password) with account code, so personal information goes after cannot usurping to manufacture pseudo-card; And the ID (identity number) card No. of holder must be same people with account during owing to starting, go to apply for that the situation of pseudo-card occurs so can avoid falsely using other people personal information.
(6) risk is few, due to when the password of input error or coding of account, dynamic combined code will inevitably produce the respective value of mistake, and namely card sending mechanism can carry out the measure of verification identity, vigilant effect is produced to appropriator, and the restriction setting Payment Amount more can control minimum risk of damage.
(7) have and distinguish error reason, source that card sending mechanism can be able to locate errors from dynamic combined code respective value (as the amount of money changed, code error, account code mistake, holder's ID (identity number) card No. mistake, or have people disorderly the digital intention of establishment steal neck etc.).
(8) when card sending mechanism setup algorithm formula, the startup key condition of this computing formula can be determined by the relevant personal information of applicant and characteristic, may correspond to the element that each holder produces different dynamic calculation numerals, and work out identification symbol, convert to again and the I.D. font size of consumer can be provided for card sending mechanism distribution, the part of the stealth such as personal information, account, the password input of the setting when applicant files an application, has the possibility suffering production division to leak or crack hardly.
Specifically, the complete dynamically numerical digit electric payment transaction identity identifying method of the high security disclosed by the present invention, mainly through payer's identity, payee's identity and dealing money when banking operation is occurred accurately information data convert to dynamic combination of numbers again row transmit (disposable) therefore cannot copy and can accurately assert, effectively can change the easily stolen or risk falsely used of personal information in current banking operation, not only use cost low, very easily realize and have competitive power, more can improve the shortcoming that prior art can only accomplish authentication; Therefore can extensively be applicable to being applied to credit card, cash card, personal account, settlement by check, remittance etc. banking operation, with relatively safer, identification authentication mode fast, easily, reduce the operating cost of financial institution.
Above-described embodiment and accompanying drawing non-limiting product form of the present invention and style, any person of an ordinary skill in the technical field, to its suitable change done or modification, all should be considered as not departing from patent category of the present invention.