CN101609576B - Credit card signature checking system and method capable of improving transaction security - Google Patents
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Abstract
Description
技术领域technical field
本发明是关于一种可提高交易安全性的信用卡签名检查系统及方法,尤其是指一种由比对认证签名与消费者签名是否一致以提高交易安全性的系统及方法。The present invention relates to a credit card signature checking system and method that can improve transaction security, in particular to a system and method for improving transaction security by comparing whether the authentication signature is consistent with the consumer's signature.
背景技术Background technique
近年来,由于信用卡的使用越来越盛行和便利,而持卡率的提高,伪造信用卡、盗刷的事件也就层出不穷,不但使得社会大众人心惶惶,也严重的影响社会秩序,而且犯罪手法也从少量的伪造盗刷,演进到利用芯片大量盗录伪造,并把伪造信用卡贩卖给不特定人盗刷,犯罪时地几乎无法设防。In recent years, as the use of credit cards has become more and more popular and convenient, and the rate of card ownership has increased, incidents of forged credit cards and stolen credit cards have emerged in an endless stream, which not only makes the public panic, but also seriously affects social order. From a small amount of counterfeiting and fraud, to using chips to steal and record a large number of counterfeit credit cards, and selling counterfeit credit cards to unspecified people for fraud, it is almost impossible to defend against crimes.
目前的信用卡背面皆有持卡人的签名,当以信用卡交易时,都是由消费者在签单上签名,再由店员核对与信用卡背面持卡人的签名是否一致,来决定是否进行交易,然而,由于店员并非笔迹鉴定专家,对笔迹的判断能力极为有限,因此,犯罪者只要在捡到信用卡或窃取信用卡后模仿签名,便可轻易盗刷信用卡。而若是犯罪者使用的是伪造信用卡,由于伪造信用卡上的签名也是伪造的,因此更容易进行盗刷。The current credit card has the cardholder's signature on the back. When a credit card is used for transactions, the consumer signs on the signing slip, and then the clerk checks whether it is consistent with the cardholder's signature on the back of the credit card to decide whether to proceed with the transaction. However Therefore, as long as the criminals pick up the credit card or steal the credit card and imitate the signature, they can easily swipe the credit card. And if the criminal uses a counterfeit credit card, since the signature on the counterfeit credit card is also forged, it is easier to steal.
因此,若要防范盗刷交易的盛行,便必须使盗刷者顺利闯关的机率降低,假以时日,让盗刷者觉得使用伪卡难度增加,使用伪卡的人就会自然减少,伪造信用卡、盗刷的问题才能获得解决。Therefore, in order to prevent the prevalence of fraudulent transactions, it is necessary to reduce the probability of the fraudsters successfully passing through the barrier. Over time, the fraudsters will feel that it is more difficult to use counterfeit cards, and the number of people using counterfeit cards will naturally decrease. The problem of brushing can be solved.
发明内容Contents of the invention
本发明的目的在于提供一种可提高交易安全性的信用卡签名检查系统与方法,以提高信用卡交易安全性,避免信用卡遭盗刷造成损失。The object of the present invention is to provide a credit card signature checking system and method that can improve transaction security, so as to improve credit card transaction security and avoid losses caused by credit card fraud.
依据本发明的一特色,所提出的可提高交易安全性的信用卡签名检查系统包括:According to a feature of the present invention, the proposed credit card signature checking system that can improve transaction security includes:
一刷卡装置以及一信用卡服务器,其中,刷卡装置供一信用卡在刷卡装置上刷卡以进行一交易,刷卡装置产生一包含信用卡数据的签名认证请求,并产生一签单以供消费者于签单签名。信用卡服务器包含预存多数个信用卡数据的一信用卡数据库,每一信用卡数据对应有一信用卡持卡人的认证签名,信用卡服务器用以接收签名认证请求,且依据签名认证请求中的信用卡数据搜寻信用卡数据库,产生对应于信用卡数据的一认证签名,并将认证签名传送给刷卡装置并于刷卡装置上显示认证签名,由比对刷卡装置上的认证签名与签单的消费者签名是否一致,以决定是否核准进行交易。A card swiping device and a credit card server, wherein the card swiping device allows a credit card to be swiped on the card swiping device to perform a transaction, and the card swiping device generates a signature authentication request including credit card data, and generates a signature for the consumer to sign on the slip. The credit card server includes a credit card database pre-stored with multiple credit card data, each credit card data corresponds to a credit card holder's authentication signature, the credit card server is used to receive the signature authentication request, and searches the credit card database according to the credit card data in the signature authentication request to generate An authentication signature corresponding to the credit card data, and sending the authentication signature to the card swiping device and displaying the authentication signature on the card swiping device, comparing the authentication signature on the card swiping device with the signature of the consumer signing the bill to determine whether to approve the transaction.
依据本发明的另一特色,所提出的可提高交易安全性的信用卡签名检查方法是供一信用卡在一刷卡装置上刷卡以进行一交易,刷卡装置经由一网络连接至一信用卡服务器,信用卡服务器包含预存多数个信用卡数据的一信用卡数据库,每一信用卡数据对应有一信用卡持卡人的认证签名,该方法包括下列步骤:以信用卡于刷卡装置刷卡,产生一签单以供消费者于签单签名,并产生一包含信用卡数据的签名认证请求,将签名认证请求传送至信用卡服务器;信用卡服务器依据签名认证请求中的信用卡数据搜寻信用卡数据库,产生对应于信用卡数据的一认证签名,并将认证签名传送给刷卡装置;于刷卡装置上显示认证签名,以比对刷卡装置上的认证签名与签单的消费者签名是否一致;若刷卡装置上的认证签名与签单的消费者签名一致,则核准进行交易并进行一后续交易动作,若否,则拒绝进行交易。According to another characteristic of the present invention, the proposed credit card signature checking method that can improve transaction security is to provide a credit card to swipe the card on a card swiping device to perform a transaction. The card swiping device is connected to a credit card server via a network, and the credit card server includes A credit card database pre-stored with a plurality of credit card data, each credit card data corresponds to a credit card holder's authentication signature, the method includes the following steps: use the credit card to swipe the card at the card swiping device, generate a signing slip for the consumer to sign on the signing slip, and generate A signature verification request including credit card data, and the signature verification request is sent to the credit card server; the credit card server searches the credit card database according to the credit card data in the signature verification request, generates a verification signature corresponding to the credit card data, and sends the verification signature to the card swiping device ;Display the authentication signature on the card swiping device to compare whether the authentication signature on the card swiping device is consistent with the signature of the consumer who signed the bill; Transaction action, if not, reject the transaction.
换言之,本发明的可提高交易安全性的信用卡签名检查方法,供一信用卡在一刷卡装置上刷卡以进行一交易,该刷卡装置经由一网络连接至一信用卡服务器,该信用卡服务器包含预存多数个信用卡数据的一信用卡数据库,每一信用卡数据对应有一信用卡持卡人的认证签名,该方法包括下列步骤:In other words, the credit card signature checking method that can improve transaction security of the present invention is for a credit card to be swiped on a card swiping device to perform a transaction, and the card swiping device is connected to a credit card server via a network, and the credit card server includes a plurality of pre-stored credit cards. A credit card database of data, each credit card data corresponds to a credit card holder's authentication signature, the method comprises the following steps:
(A)以该信用卡于该刷卡装置刷卡,产生一签单以供消费者于该签单签名,并产生一包含信用卡数据的签名认证请求,将该签名认证请求传送至该信用卡服务器;(A) Use the credit card to swipe the card at the card swiping device to generate a signature for the consumer to sign on the signature, and generate a signature verification request containing credit card data, and send the signature verification request to the credit card server;
(B)该信用卡服务器依据该签名认证请求中的信用卡数据搜寻该信用卡数据库,产生对应于该信用卡数据的一认证签名,并将该认证签名传送给该刷卡装置;(B) The credit card server searches the credit card database according to the credit card data in the signature verification request, generates a verification signature corresponding to the credit card data, and transmits the verification signature to the card swiping device;
(C)于该刷卡装置上显示该认证签名,比对该刷卡装置上的认证签名与该签单的消费者签名是否一致;以及(C) Display the authentication signature on the card swiping device, and compare whether the authentication signature on the card swiping device is consistent with the signature of the consumer who signed the bill; and
(D)若该刷卡装置上的认证签名与该签单的消费者签名一致,则核准进行该交易并进行一后续交易动作,若否,则拒绝进行该交易。(D) If the authentication signature on the card swiping device is consistent with the signature of the consumer signing the bill, the transaction is approved and a subsequent transaction action is performed; if not, the transaction is refused.
所述的可提高交易安全性的信用卡签名检查方法,其中,于步骤(A)中,该刷卡装置是指一刷卡机或一计算机设备。The said credit card signature checking method which can improve transaction security, wherein, in the step (A), the card swiping device refers to a card swiping machine or a computer device.
所述的可提高交易安全性的信用卡签名检查方法,其中,于步骤(A)中,该信用卡资料包括该信用卡持卡人的个人信用数据及个人数据。The credit card signature checking method that can improve transaction security, wherein, in step (A), the credit card information includes the credit card holder's personal credit data and personal data.
所述的可提高交易安全性的信用卡签名检查方法,其中,于步骤(B)中,该认证签名可选择为一符号、数字、文字、有效符号及特殊图形的其中之一。In the credit card signature checking method that can improve transaction security, in step (B), the authentication signature can be selected as one of symbols, numbers, characters, valid symbols and special graphics.
所述的可提高交易安全性的信用卡签名检查方法,其中,于步骤(C)中,该刷卡装置还包含一可用以显示该签名的显示屏幕。In the credit card signature checking method that can improve transaction security, in step (C), the card swiping device further includes a display screen that can display the signature.
所述的可提高交易安全性的信用卡签名检查方法,其中,该信用卡上具有一识别签名,该识别签名不同于该认证签名。The credit card signature check method that can improve transaction security, wherein, the credit card has an identification signature, which is different from the authentication signature.
本发明的可提高交易安全性的信用卡签名检查系统,包括:The credit card signature checking system capable of improving transaction security of the present invention includes:
一刷卡装置,供一信用卡在该刷卡装置上刷卡以进行一交易,该刷卡装置产生一包含信用卡数据的签名认证请求,并产生一签单以供消费者于该签单签名;以及A card swiping device, on which a credit card is swiped to perform a transaction, the card swiping device generates a signature authentication request including credit card data, and generates a signature for the consumer to sign on the signature; and
一信用卡服务器,包含预存多数个信用卡数据的一信用卡数据库,每一信用卡数据对应有一信用卡持卡人的认证签名,该信用卡服务器用以接收该签名认证请求,且依据该签名认证请求中的信用卡数据搜寻该信用卡数据库,产生对应于该信用卡数据的一认证签名,并将该认证签名传送给该刷卡装置并于该刷卡装置上显示该认证签名,由比对该刷卡装置上的认证签名与该签单的消费者签名是否一致,以决定是否核准进行该交易。A credit card server, including a credit card database pre-stored with a plurality of credit card data, each credit card data corresponds to a credit card holder's authentication signature, the credit card server is used to receive the signature authentication request, and according to the credit card data in the signature authentication request Search the credit card database, generate an authentication signature corresponding to the credit card data, and transmit the authentication signature to the card swiping device and display the authentication signature on the card swiping device, by comparing the authentication signature on the card swiping device with the signature of the signing Whether the consumer's signature is consistent to decide whether to approve the transaction.
所述的可提高交易安全性的信用卡签名检查系统,其中,该签名认证请求是通过一传送机制自该刷卡装置传送给该信用卡服务器,该传送机制为一有线连接、无线连接或网络连接。In the credit card signature checking system that can improve transaction security, the signature verification request is sent from the card swiping device to the credit card server through a transmission mechanism, and the transmission mechanism is a wired connection, a wireless connection or a network connection.
所述的可提高交易安全性的信用卡签名检查系统,其中,该刷卡装置是指一刷卡机或一计算机设备。In the credit card signature checking system capable of improving transaction security, the card swiping device refers to a card swiping machine or a computer device.
所述的可提高交易安全性的信用卡签名检查系统,其中,该信用卡数据包括该信用卡持卡人的个人信用数据及个人数据。In the credit card signature checking system capable of improving transaction security, the credit card data includes personal credit data and personal data of the credit card holder.
所述的可提高交易安全性的信用卡签名检查系统,其中,该认证签名可选择为一符号、数字、文字、有效符号及特殊图形的其中之一。In the credit card signature checking system that can improve transaction security, the authentication signature can be selected as one of symbols, numbers, characters, valid symbols and special graphics.
所述的可提高交易安全性的信用卡签名检查系统,其中,该刷卡装置设置于一商家。In the credit card signature checking system that can improve transaction security, the card swiping device is set at a merchant.
所述的可提高交易安全性的信用卡签名检查系统,其中,该签单为该刷卡装置打印的一纸张。In the credit card signature checking system that can improve transaction security, the signing slip is a piece of paper printed by the card swiping device.
所述的可提高交易安全性的信用卡签名检查系统,其中,该刷卡装置还包含一可用以显示该认证签名的显示屏幕。In the credit card signature checking system that can improve transaction security, the card swiping device further includes a display screen that can display the authentication signature.
所述的可提高交易安全性的信用卡签名检查系统,其中,该签单显示于该刷卡装置的显示屏幕上。In the credit card signature checking system that can improve transaction security, the signature is displayed on the display screen of the card swiping device.
由本发明的实施,确实可以提高信用卡交易安全性,避免信用卡遭盗刷造成损失。Through the implementation of the present invention, the security of credit card transactions can be improved indeed, and losses caused by fraudulent swiping of credit cards can be avoided.
附图说明Description of drawings
图1A是本发明一较佳实施例的可提高交易安全性的信用卡签名检查系统示意图。FIG. 1A is a schematic diagram of a credit card signature checking system that can improve transaction security according to a preferred embodiment of the present invention.
图1B是以信用卡于刷卡装置刷卡而产生一签单的示意图。FIG. 1B is a schematic diagram of swiping a credit card on a card swiping device to generate a signing slip.
图2是本发明一较佳实施例的可提高交易安全性的信用卡签名检查方法流程图。Fig. 2 is a flow chart of a credit card signature checking method that can improve transaction security in a preferred embodiment of the present invention.
附图中主要组件符号说明:Explanation of main component symbols in the attached drawings:
刷卡装置110 认证签名111
屏幕113 信用卡服务器120screen 113 credit card server 120
信用卡数据库121 信用卡130
识别签名131 签单140Recognition Signature 131 Signing Form 140
消费者签名141 步骤S201~S208Consumer signature 141 Steps S201~S208
具体实施方式Detailed ways
为能更了解本发明的技术内容,特举一较佳具体实施例说明如下。In order to better understand the technical content of the present invention, a preferred specific embodiment is given as follows.
图1A是本发明一较佳实施例的可提高交易安全性的信用卡签名检查系统示意图,如图所示,本发明的系统包括:刷卡装置110与信用卡服务器120,信用卡服务器120包含预存多数个信用卡数据的信用卡数据库121,而信用卡数据包括信用卡持卡人的个人信用数据及个人数据,且每一信用卡资料对应有一信用卡持卡人的认证签名111,刷卡装置110与信用卡服务器120间的数据传送是通过一个传送机制,此传送机制可以是有线连接、无线连接、或网络连接。刷卡装置110可为设置于一商家的刷卡机或计算机设备。1A is a schematic diagram of a credit card signature checking system that can improve transaction security in a preferred embodiment of the present invention. As shown in the figure, the system of the present invention includes: a
图1B是以信用卡于刷卡装置刷卡而产生一签单的示意图。图2是本发明一较佳实施例的可提高交易安全性的信用卡签名检查方法流程图,请一并参照图1A、图1B所示,本发明的方法是供使用者以信用卡130在刷卡装置110上刷卡以进行交易,如一般信用卡的使用习惯,信用卡130上有一由使用者签上的识别签名131,刷卡装置110经由网络连接至信用卡服务器120,本发明的方法包括下列步骤:首先,使用者以信用卡130于刷卡装置110刷卡,产生一签单140以供消费者于签单140上签名,即消费者签名141(请一并参照图1B),并产生一包含信用卡数据的签名认证请求,将签名认证请求传送至信用卡服务器120(步骤S201);信用卡服务器120再依据签名认证请求中的信用卡数据搜寻信用卡数据库121,产生对应于信用卡数据的一认证签名,并将认证签名传送给刷卡装置110(步骤S203);接着于刷卡装置110上显示认证签名111,以比对刷卡装置110上的认证签名111与签单140的消费者签名141是否一致(步骤S205);若刷卡装置110上的认证签名111与签单140的消费者签名141一致,则核准进行交易并进行一后续交易动作(步骤S207),若刷卡装置110上的认证签名111与签单140的消费者签名141不一致,则拒绝进行交易(步骤S208)。FIG. 1B is a schematic diagram of swiping a credit card on a card swiping device to generate a signing slip. Fig. 2 is a flow chart of a credit card signature checking method that can improve transaction security in a preferred embodiment of the present invention. Please refer to Fig. 1A and Fig. 1B together. Swipe the card on 110 to carry out the transaction, such as the usage habits of general credit cards, there is an identification signature 131 signed by the user on the credit card 130, the
其中,于步骤S203中,认证签名111可选择为一符号、数字、文字、有效符号及特殊图形其中之一。例如是以持卡人的名字再加上数字或符号,或者亦可以是非持卡人的名字、或者是一特殊绘制的图形等,而信用卡130对应的认证签名111是不同于实际签在信用卡130上的识别签名131,以防止信用卡130的识别签名131被伪造使得信用卡130被盗刷,亦即,实际在信用卡130上所看到的签名(识别签名131)是完全不同于在信用卡服务器120的信用卡数据库121中的签名(认证签名111),例如信用卡持卡人王小明于其信用卡上的识别签名131为“王小明”,但此信用卡在信用卡服务器120的信用卡数据库121中的认证签名111却是“王大华”,因此当信用卡遗失或被偷窃,拾获者或是窃贼不可能由信用卡得知此信用卡在信用卡数据库121中的认证签名111为“王大华”,据而有效防止信用卡被盗刷的可能。刷卡装置110包含屏幕113,用以显示认证签名111。签单140为刷卡装置110打印的一纸张,或者,签单140也可以直接显示于刷卡装置110的屏幕113上,消费者可直接于显示于屏幕113上的签单签名。Wherein, in step S203, the
由以上说明可知,本发明的可提高交易安全性的信用卡签名检查系统及方法,是将签单140上的消费者签名141与显示于刷卡装置110的屏幕113的认证签名111作比对,而非将签单140上的消费者签名141与信用卡130的识别签名131作比对,由于非持卡人无法事先知道信用卡持卡人于信用卡数据库121中的认证签名,因此便无法由伪造信用卡130的识别签名131的方式进行盗刷,也能防止侧录,可有效提高交易安全性,减少盗刷问题所造成的损失,更由于在信用卡130上识别签名131是完全不同于在信用卡服务器120的信用卡数据库121中的认证签名111,所以盗刷者于商家盗刷信用卡时很容易被店员识破,基于作贼心虚的原理,可能店员看盗刷者一眼,盗刷者即拔腿就跑,因而大幅减少盗刷的卡数及次数。As can be seen from the above description, the credit card signature checking system and method of the present invention that can improve transaction security compare the consumer's signature 141 on the receipt 140 with the
如此,非但发卡银行受益,也减少信用卡持卡者的困扰(如:更换新卡与证明伪卡的交易不是本人的消费行为造成的不便),信用卡使用者也不用担心刷卡时会被侧录,使持卡人不再担心被盗刷的风险,可以安心使用信用卡消费交易。In this way, not only will the issuing bank benefit, but also the troubles of credit card holders will be reduced (for example, the inconvenience caused by replacing a new card and proving that the transaction of a counterfeit card is not caused by my own consumption behavior), and credit card users will not have to worry about being logged when they swipe their cards. Cardholders no longer worry about the risk of being stolen, and can use credit cards for consumption transactions with peace of mind.
上述实施例仅是为了方便说明而举例而已,本发明所主张的权利要求范围自应以申请的权利要求范围所述为准,而非仅限于上述实施例。The above-mentioned embodiments are only examples for convenience of description, and the scope of claims claimed by the present invention should be based on the scope of the claims of the application, rather than limited to the above-mentioned embodiments.
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CN1183186A (en) * | 1995-05-08 | 1998-05-27 | 图象数据公司 | Positive identification system and method |
CN1338092A (en) * | 1999-02-17 | 2002-02-27 | 奥列格·阿纳托利耶维奇·组罗塔瑞夫 | The method by which the cardholder requests fulfillment of the covenant associated with the card and the card issuer signs the covenant |
CN1670775A (en) * | 2005-03-29 | 2005-09-21 | 陈卫国 | Operation of bank card and service acceptance system and its authentication technology system |
CN1838187A (en) * | 2006-04-29 | 2006-09-27 | 北京飞天诚信科技有限公司 | Implementation method for applying bank car to identity authentication |
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