CN102930645A - System for maintaining bank card account safety by using dynamic password card - Google Patents
System for maintaining bank card account safety by using dynamic password card Download PDFInfo
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- CN102930645A CN102930645A CN2012104330603A CN201210433060A CN102930645A CN 102930645 A CN102930645 A CN 102930645A CN 2012104330603 A CN2012104330603 A CN 2012104330603A CN 201210433060 A CN201210433060 A CN 201210433060A CN 102930645 A CN102930645 A CN 102930645A
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Abstract
The invention discloses a system for maintaining bank card account safety by using a dynamic password card. The system achieves safety protection of user bank card accounts by binding a user bank card account and the dynamic password card with a coating. A sequence number is arranged on one side of dynamic passwords of the dynamic password card, a user has to input bank card passwords and nth dynamic password on a bank teller machine and scrapes the coating on the dynamic password with the n sequence number on site or in advance, and therefore the user can carry out trades on the teller machine safely and conveniently.
Description
Technical field
The invention belongs to user's bank card account number resist technology field, specifically, relate to a kind of system that safeguards bank card account number safety with dynamic password card.
Background technology
User's bank card great majority are magnetic cards at present, and this bank card if the lawless person has known the password of bank card account number and card, just can utilize existing mature technology, easily clones subscriber card, reaches the purpose of stealing fund in the subscriber card.For bank, also doing a lot aspect the security protection of automatic teller machine, the risk that the reduce subscriber card is cloned, but still the case that the bank card that the user is arranged repeatedly is cloned is reported in media, the user's that bank card is cloned fund is robbed everything, and the bank aspect also only has reminding user carefully to take precautions against when automatic teller machine is concluded the business.
Summary of the invention
The invention reside in and overcome the deficiencies in the prior art; a kind of system that safeguards bank card account number safety with dynamic password card is provided, and its adopts the safeguard protection that user's bank card account number and the mode that contains cated dynamic password card binding is realized user's bank card account number.Dynamic password on this dynamic password card has serial number on one side, the user on automatic teller machine except the input bank card password, also to input n dynamic password, the user scrapes the coating on the dynamic password that serial number is n then and there or in advance off, and is very convenient and conclude the business at automatic teller machine safely.
For achieving the above object, the invention provides a kind of system that safeguards bank card account number safety with dynamic password card, comprise bank card 1, brushing card device 2, PIN PAD 3, a n dynamic password input prompt device 4, contain cated dynamic password card 5, a n dynamic password input unit 6 and card user and login decision mechanism 7; It is characterized in that: a. is described to be contained cated dynamic password card 5 and is comprised of serial number and dynamic password corresponding to this serial number, and coating is arranged above the dynamic password, plays a part to cover and hiding dynamic password; B. the user locates to apply for the bank card account number binding of dynamic password card with oneself the bank counter staff, realize that dynamic password inserts brushing card device 2 to bank card 1 with the related c. user of user identity, the password of input bank card in PIN PAD 3, the card user logins decision mechanism 7 and judges whether the password of user's input is correct, if mistake forbids that then logging in system by user concludes the business; If the password of input is correct, n dynamic password input prompt device 4 display reminding information then, also require the user to input n dynamic password, the user at once or scrape off in advance and contain that numeral is the coating on dynamic password corresponding to the serial number of n on the cated dynamic password card 5, input this dynamic password, last card user logins decision mechanism 7 and will judge also whether this dynamic password is correct, if correct, then the permitted user login system is concluded the business, otherwise, forbid that logging in system by user concludes the business.
Remarkable result of the present invention is: 1. simple to operation, be fit to various crowds, and comprise the bank-user that levels of culture is very low.2. contain cated dynamic password card, security is very high, even the lawless person installs the bank card password that video camera equipment has obtained the user, has cloned user's bank card, also can't use clone's bank card to conclude the business.3. easy to implement, and save time.Aspect bank, utilize existing mature technology, make this dynamic password card and realize at automatic teller machine, be very easy to.For the user, can scrape in advance n dynamic password off fully, input dynamic password at automatic teller machine very quickly.
Description of drawings
Fig. 1 is that the present invention is about the structure principle chart with dynamic password card protection bank card account number.
Fig. 2 is that the present invention is about the structure design principle figure of dynamic password card.
Embodiment
The present invention is further illustrated below in conjunction with the drawings and specific embodiments.
Embodiment 1, as shown in Figure 1: a kind of system that safeguards bank card account number safety with dynamic password card comprises bank card 1, brushing card device 2, PIN PAD 3, a n dynamic password input prompt device 4, contains cated dynamic password card 5, a n dynamic password input unit 6 and card user and login decision mechanism 7; It is characterized in that: a. is described to be contained cated dynamic password card 5 and is comprised of serial number and dynamic password corresponding to this serial number, and coating is arranged above the dynamic password, plays a part to cover and hiding dynamic password; B. the user locates to apply for the bank card account number binding of dynamic password card with oneself the bank counter staff, realize that dynamic password inserts brushing card device 2 to bank card 1 with the related c. user of user identity, the password of input bank card in PIN PAD 3, the card user logins decision mechanism 7 and judges whether the password of user's input is correct, if mistake forbids that then logging in system by user concludes the business; If the password of input is correct, n dynamic password input prompt device 4 display reminding information then, also require the user to input n dynamic password, the user at once or scrape off in advance and contain that numeral is the coating on dynamic password corresponding to the serial number of n on the cated dynamic password card 5, input this dynamic password, last card user logins decision mechanism 7 and will judge also whether this dynamic password is correct, if correct, then the permitted user login system is concluded the business, otherwise, forbid that logging in system by user concludes the business.
In the above-described embodiments, the imagination user withdraws the money at certain automatic teller machine, after inputting correct bank card password, (its real user knows in advance will input the 3rd dynamic password also to need to input the 3rd dynamic password, because deposited at automatic teller machine last time, what input is the 2nd dynamic password, the user is before arriving automatic teller machine like this, can scrape first the 3rd dynamic password off, can save time, even remember this dynamic password), only have when bank card password and the 3rd dynamic password all input correct after, the user just can withdraw the money.
In the above-described embodiments, described brushing card device refers to the draw-in groove for the insertion bank card on the automatic teller machine; Certainly, brushing card device comprises that also the plug-in card draw-in groove on the POS machine can insert the draw-in groove of bank card with other.
In the above-described embodiments, the realization dynamic password is related with user identity, several different methods is arranged, for example: user's identity, bank card number, identification card number or phone number etc. can be used as identification user's sign, so that the user is different, dynamic password in the dynamic password card that the user holds is also same hardly, at least can allow technically the identical probability of serial number and dynamic password reach several 1/one or several hundred million/10000000th, the abundant safety of maintenance customer's bank card account number so, for example: can be with bank card number, the combination of identification card number or phone number, time that also can be when handling dynamic password card, in the lump as random number seed, generate the user distinctive, be different from others' dynamic password series, the dynamic password card that this pattern generates, need field print, add coating at dynamic password cumbersome; Certainly, also has other method, the realization dynamic password is related with user identity, for example, the bank aspect, dynamic password card that can in advance production magnanimity, every dynamic password card is all had any different in the unique number of other dynamic password card, the user handles dynamic password card at bank counter staff place, the staff binds user's Bank Account Number and the numbering of not used dynamic password card.If the dynamic password on user's the dynamic password card has been finished or dynamic password card is lost, can handle new dynamic password card at bank counter staff place, the staff is with the numbering binding of Bank Account Number with that new dynamic password card of giving the user of user.
Claims (1)
1. system that safeguards bank card account number safety with dynamic password card comprises bank card (1), brushing card device (2), PIN PAD (3), a n dynamic password input prompt device (4), contains cated dynamic password card (5), a n dynamic password input unit (6) and card user and login decision mechanism (7); It is characterized in that: the described cated dynamic password card (5) that contains of a. is comprised of serial number and dynamic password corresponding to this serial number, and coating is arranged above the dynamic password, plays a part to cover and hiding dynamic password; B. the user locates to apply for the bank card account number binding of dynamic password card with oneself the bank counter staff, realize that dynamic password inserts brushing card device (2) to bank card (1) with the related c. user of user identity, the password of input bank card in PIN PAD (3), the card user logins decision mechanism (7) and judges whether the password of user's input is correct, if mistake forbids that then logging in system by user concludes the business; If the password of input is correct, n dynamic password input prompt device (4) display reminding information then, also require the user to input n dynamic password, the user at once or scrape off in advance and contain the upper numeral of cated dynamic password card (5) and be the coating on dynamic password corresponding to the serial number of n, this dynamic password of input in n dynamic password input unit (6), last card user logins decision mechanism (7) and will judge also whether this dynamic password is correct, if correct, then the permitted user login system is concluded the business, otherwise, forbid that logging in system by user concludes the business.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012104330603A CN102930645A (en) | 2012-11-04 | 2012-11-04 | System for maintaining bank card account safety by using dynamic password card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012104330603A CN102930645A (en) | 2012-11-04 | 2012-11-04 | System for maintaining bank card account safety by using dynamic password card |
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| Publication Number | Publication Date |
|---|---|
| CN102930645A true CN102930645A (en) | 2013-02-13 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2012104330603A Pending CN102930645A (en) | 2012-11-04 | 2012-11-04 | System for maintaining bank card account safety by using dynamic password card |
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Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20020153424A1 (en) * | 2001-04-19 | 2002-10-24 | Chuan Li | Method and apparatus of secure credit card transaction |
| US20050080747A1 (en) * | 2000-05-15 | 2005-04-14 | Anderson Roy Lee | Method for generating customer one-time unique purchase order numbers |
| CN1892712A (en) * | 2005-07-04 | 2007-01-10 | 杨凤越 | Method for realizing protection of bank card security using multiple ciphers |
| CN1925398A (en) * | 2006-09-25 | 2007-03-07 | 上海林果科技有限公司 | Cipher card dynamic identification method and system based on pre-computation |
| CN101645775A (en) * | 2008-08-05 | 2010-02-10 | 北京灵创科新科技有限公司 | Over-the-air download-based dynamic password identity authentication system |
-
2012
- 2012-11-04 CN CN2012104330603A patent/CN102930645A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20050080747A1 (en) * | 2000-05-15 | 2005-04-14 | Anderson Roy Lee | Method for generating customer one-time unique purchase order numbers |
| US20020153424A1 (en) * | 2001-04-19 | 2002-10-24 | Chuan Li | Method and apparatus of secure credit card transaction |
| CN1892712A (en) * | 2005-07-04 | 2007-01-10 | 杨凤越 | Method for realizing protection of bank card security using multiple ciphers |
| CN1925398A (en) * | 2006-09-25 | 2007-03-07 | 上海林果科技有限公司 | Cipher card dynamic identification method and system based on pre-computation |
| CN101645775A (en) * | 2008-08-05 | 2010-02-10 | 北京灵创科新科技有限公司 | Over-the-air download-based dynamic password identity authentication system |
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| C06 | Publication | ||
| PB01 | Publication | ||
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| SE01 | Entry into force of request for substantive examination | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20130213 |