TWI860076B - Coded credit card information security and verification system and method using the same - Google Patents

Abstract

A coded credit card information security and verification system includes a processor and an input/output device. The processor includes a user database, a credit card application module, a credit card information generation module, a credit card information encryption module, an encrypted information transmission module and a credit card decryption module. The credit card application module allows a staff to assist a user to apply for a confidential credit card. The credit card information generation module generates an initial credit card information. The credit card information encryption module encrypts the initial credit card information to generate an encrypted credit card information. The encrypted information transmission module provides the encrypted credit card information to the staff for card issuance. The credit card decryption module provides the user with decrypting the encrypted credit card information to obtain the initial credit card information. In addition, a coded credit card information security and verification method is also disclosed in this disclosure.

Description

Encoded credit card information confidentiality and verification system and method

The present disclosure relates to a coded credit card information system and method thereof, and more particularly to a coded credit card information confidentiality and verification system and method thereof.

In recent years, the sales model of using credit cards for online shopping has been expanding. When users use credit cards to shop online, they must enter information such as credit card number, expiration date, security code, etc. However, this information can be easily stolen by criminals, resulting in problems such as credit card theft.

In view of this, there is a need for a system and method that can encrypt information such as credit card numbers, expiration dates, and security codes to improve credit card security and tamper resistance.

According to some embodiments of the present disclosure, a coded credit card information confidentiality and verification system is provided for users to apply for confidential credit cards, and bank staff perform application operations and card issuance operations, including a processor and an input/output device. The processor includes a user database, a credit card application module, a credit card information generation module, a credit card information encryption module, an encrypted information transmission module, and a credit card decryption module. The user database is configured to store the user's user data. The credit card application module signal is connected to the user database and is configured to provide the bank staff with the user data to enter to apply for a confidential credit card. The credit card information generation module signal is connected to the credit card application module and the user database, and is configured to generate initial credit card information and match it with the user data to generate a credit card user matching message. The credit card information encryption module is signal-connected to the credit card information generation module and the user database, and is configured to encrypt the initial credit card information to generate encrypted credit card information, and match it with the user data to generate encrypted credit card matching information. The encrypted information transmission module is signal-connected to the credit card information encryption module, and is configured to provide the encrypted credit card matching information to the bank staff for card issuance. The credit card decryption module is signal-connected to the user database, and is configured to provide the user with a decryption function after obtaining the confidential credit card to obtain the initial credit card information. The input/output device is coupled to the processor, and is configured to provide the bank staff with an operation to control the processor.

According to some embodiments of the present disclosure, a coded credit card information confidentiality and verification method is provided for a user to apply for a confidential credit card, and a bank employee performs the application operation and the card issuance operation, including the following steps. Enter the user's user information to apply for a confidential credit card. Generate initial credit card information, and match the initial credit card information with the user information. Encrypt the initial credit card information to generate encrypted initial credit card information, and match the encrypted credit card information with the user information. Print a confidential credit card based on the encrypted credit card information. Issue the confidential credit card to the user.

The following will clearly illustrate the spirit of the present disclosure with drawings and detailed descriptions. After understanding the embodiments of the present disclosure, any person having ordinary knowledge in the art can make changes and modifications based on the techniques taught by the present disclosure without departing from the spirit and scope of the present disclosure.

The terms used in this disclosure are only used to describe specific embodiments and are not intended to limit the disclosure. Singular forms such as "a", "this", "here", "this" and "the" as used in this disclosure also include plural forms.

As used herein, “coupling” or “signal connection” may refer to direct physical contact or indirect physical contact between two or more modules or devices, or mutual operation or action between two or more modules or devices.

The terms "include", "including", "have", etc. used in this document are open terms, meaning including but not limited to.

In order to encrypt credit card information such as credit card number, expiration date, security code, etc. to improve the security and tamper-proofness of the credit card, the present disclosure provides a coded credit card information confidentiality and verification system and method thereof, which is provided to users to apply for a confidential credit card, and bank staff perform the application and card issuance operations.

Please refer to FIG. 1, which is a functional block diagram of a coded credit card information confidentiality and verification system 100 according to some embodiments of the present disclosure. The coded credit card information confidentiality and verification system 100 disclosed in the present disclosure includes an input/output device 102 and a processor 104. In addition, the input/output device 102 includes, for example, a desktop computer, a laptop, a mouse, a biometric feature capture device (for example, including a camera, a microphone, a fingerprint collector, and a venous feature capture device) or a combination thereof, which is provided to bank staff to operate to control the processor 104.

The processor 104 includes a user database 110, a credit card encoding and encryption module 120, and a credit card authentication module 130. The credit card encoding and encryption module 120 is signal-connected to the credit card authentication module 130, and the user database 110 is signal-connected to the credit card encoding and encryption module 120 and the credit card authentication module 130. The user database 110 is configured to store a plurality of user data of users who apply for credit cards. The credit card encoding and encryption module 120 is configured to provide bank staff with input of a plurality of user data of users to assist users in applying for confidential credit cards, and to encrypt the user's credit card information so as to issue the encrypted physical credit card to the user. When the user receives the physical credit card and activates the card, the credit card authentication module 130 is configured to provide the user with decrypted encrypted credit card information to obtain unencrypted credit card information.

The following sections describe in detail the technical features of the user database 110, the credit card encoding encryption module 120, and the credit card authentication module 130.

The credit card encoding encryption module 120 includes a credit card application module 122 , a credit card information generation module 124 , a credit card information encryption module 126 and an encrypted information transmission module 128 .

The credit card application module 122 is signal-connected to the user database 110 and coupled to the input/output device 102, and is configured to provide a plurality of user information of the user who applies for a credit card to the bank staff through the input/output device 102. The user information includes the user's name, birthday, ID number, phone number, email address, financial proof, consumption record or a combination thereof.

In some embodiments where the input/output device 102 includes a camera, the user's facial feature data is captured by the camera when applying for a credit card, and thus the user data includes the facial feature data. In some embodiments where the input/output device 102 includes a fingerprint collector, the user's fingerprint data is captured by the fingerprint collector when applying for a credit card, and thus the user data includes the fingerprint data. In some embodiments where the input/output device 102 includes a microphone, the user's voice print data is captured by the microphone when applying for a credit card, and thus the user data includes the voice print data. In some embodiments where the input/output device 102 includes a venous feature collection device, the user's venous feature data is captured by the venous feature collection device when applying for a credit card, and therefore, the user data includes the venous feature data. It is understandable that the user's facial feature data, fingerprint data, voice print data and/or venous feature data can also be uploaded by the user himself to a personal account in an online bank, and received by a core account system (not shown) and stored in the user database 110. Although the core account system is not shown in FIG. 1, the coded credit card information confidentiality and verification system 100 is one of the subsystems of the core account system.

The credit card information generation module 124 is signal-connected to the credit card application module 122 and the user database 110, and is configured to generate initial credit card information and match it with the user information. After matching the initial credit card information with the user information, the credit card information generation module 124 generates a credit card user matching message and stores it in the user database 110. In addition, the initial credit card information includes an initial credit card number, an initial security code, an initial expiration date, or a combination thereof.

The credit card information encryption module 126 is signal-connected to the credit card information generation module 124 and the user database 110, and is configured to encrypt the initial credit card information to generate encrypted credit card information. In addition, the credit card information encryption module 126 will match the encrypted credit card information with the user information to generate encrypted credit card matching information and store it in the user database 110.

In some embodiments, the initial credit card information is encrypted by an encryption algorithm, such as by a public key and a private key. In some embodiments where encryption is performed by an encryption algorithm, the credit card information encryption module 126 encrypts the initial credit card information into ciphertext credit card information by using a bank private key, and then the credit card information encryption module 126 encrypts the ciphertext credit card information into encrypted credit card information by using a user public key. In addition, the user public key is generated, for example, based on user information.

For example, the initial credit card number generated by the credit card information generation module 124 is "7021 6854 4419", the credit card information encryption module 126 encrypts the initial credit card number into ciphertext credit card information "9144 4586 1207" using the bank's private key, and then encrypts the ciphertext credit card information into encrypted credit card information "9242 9076 6631" using the user's public key.

Furthermore, please refer to Figures 2A and 2B, Figure 2A is an example schematic diagram of the front 200A and the back 200A' of a physical credit card according to some embodiments of the present disclosure; Figure 2B is an example schematic diagram of the front 200B and the back 200B' of a physical credit card according to some embodiments of the present disclosure.

As shown in FIG. 2A , the front side 200A of the physical credit card includes a chip 202, and the chip 202 is configured to store user data, credit card information, and transaction data. In addition, the back side 200A′ of the physical credit card includes a magnetic stripe 204, and the magnetic stripe 204 is configured to store user data, credit card information, and transaction data. When a user conducts a transaction using a physical credit card, a card swiping machine can read and write data through the chip 202, the magnetic stripe 204, or a combination thereof. The card swiping machine is, for example, a manual card swiping machine, a magnetic stripe card swiping machine, a chip card swiping machine, or an inductive card swiping machine.

The back side 200A' of the physical credit card further includes initial credit card information 210A, which includes initial credit card number 212A, initial security code 214A, initial expiration date 216A or a combination thereof. The credit card information encryption module 126 encrypts the initial credit card number 212A, initial security code 214A and/or initial expiration date 216A in the initial credit card information 210A.

Next, as shown in FIG. 2B , the front side 200B of the physical credit card includes a chip 202, and the back side 200B′ of the physical credit card includes a magnetic stripe 204. Furthermore, since the chip 202 and the magnetic stripe 204 are both configured to store user data, credit card information, and transaction data, and are not easily stolen in appearance, the chip 202 and the magnetic stripe 204 will not change before and after encryption.

The back side 200B' of the physical credit card further includes encrypted credit card information 210B, and the encrypted credit card information 210B includes an encrypted credit card number 212B, an encrypted security code 214B, an encrypted expiration date 216B or a combination thereof. The encrypted credit card information 210B is generated after being encrypted by the credit card information encryption module 126. It is worth mentioning that although FIG. 2A and FIG. 2B show that the initial credit card number 212A, the initial security code 214A and the initial expiration date 216A are all encrypted into the encrypted credit card number 212B, the encrypted security code 214B, and the encrypted expiration date 216B, only one or two of them may be encrypted, for example, only the initial credit card number 212A is encrypted, or the initial credit card number 212A and the initial security code 214A are encrypted, and the present disclosure is not limited thereto.

Please go back to Figure 1. The encrypted information transmission module 128 is signal-connected to the credit card information encryption module 126 and coupled to the input/output device 102. It is configured to transmit the encrypted credit card pairing information to the input/output device 102 for bank employees to produce physical credit cards and issue cards.

It is worth mentioning that physical credit cards can be used by users for physical transactions (i.e., physical credit card transactions with the store's card swipe machine), but cannot be used for online transactions. Since the credit card information printed on the physical credit card is encrypted, even if the store clerk or someone with bad intentions records or memorizes the credit card information on the physical credit card, credit card transactions cannot be performed (such as online transactions). In this way, credit cards can be prevented from being stolen.

Furthermore, the disclosed coded credit card information confidentiality and verification system 100 can provide users with initial credit card information after verifying the physical credit card. Accordingly, the credit card verification module 130 includes a user login module 132, a user verification module 134, a credit card decryption module 136, and a credit card information display module 138. It is worth mentioning that the credit card verification module 130 must be used in conjunction with an electronic device 150 so that the user can complete the verification of the user and the credit card to obtain the initial credit card information. In addition, the electronic device 150 includes a smart phone, a tablet computer, a card reader, a camera, a microphone, or a combination thereof.

The user login module 132 is signal-connected to the user database 110 and configured to provide the user with personal account information to log into the personal account of the online bank, and generate a user login message after the user successfully logs in, wherein the online bank is, for example, an online bank or an online bank application (Application, APP). The personal account information includes an account number, a password, a user ID, an ID number, a birthday, a verification code or a combination thereof. In addition, the verification code is generated by the user login module 132 and sent to the user's electronic device 150 via a system message, SMS or email, and the verification code has a time limit (e.g., within 60, 100 or 300 seconds), and the user must enter the verification code through the electronic device 150 within the time limit to verify and log in to the electronic device 150. In addition, the verification code is, for example, 4 to 8 digits, English letters or a combination thereof.

The user verification module 134 is signal-connected to the user login module 132 and the user database 110, and is configured to perform user verification after receiving the user login message, such as through identity verification, biometric verification, or a combination thereof. Furthermore, after the user verification is successful, the user verification module 134 generates a user confirmation message. In some embodiments, when a user logs in, they can verify their identity or biometrics. In other embodiments, when a user logs in, they must first undergo identity verification and then biometric verification; or, first undergo biometric verification and then identity verification. Furthermore, the identity verification is performed, for example, through an account number, password, user code, ID number, birthday, or a combination thereof. The biometric verification is performed, for example, through the user's facial features, fingerprints, voiceprints or venous features, and the biometric verification can be achieved through the camera function, fingerprint recognition function or recording function of the smart phone or tablet, a camera device or a microphone. In addition, the biometric verification can also be performed through the smart phone or tablet with a smart watch to verify the user's venous features.

In some embodiments where the electronic device 150 includes a card reader, the user can use a physical credit card with a card reader and a computer (e.g., a desktop computer or a laptop) to perform user authentication. To further illustrate, after the user logs into a personal account, the user's personal account information and encrypted credit card information can be obtained through the physical credit card with a card reader and a computer, i.e., the user does not need to enter the personal account information and encrypted credit card information one by one. Then, the computer's camera or microphone is used to perform biometric authentication to confirm that the current user is the user of the physical credit card.

The credit card decryption module 136 is signal-connected to the user verification module 134 and the user database 110, and is configured to receive the user's confirmation message and then provide the user with a decryption function to decrypt the encrypted credit card information printed on the user's physical credit card. After the credit card decryption module 136 decrypts, a decryption message is generated. The decryption message includes the initial credit card information, i.e., the initial credit card number, the initial security code, the initial expiration date, or a combination thereof.

In some embodiments, after the user turns on the decryption function, the image recognition scanning function of the user's electronic device 150 will be turned on. The user must aim the camera of the electronic device 150 at the back of the physical credit card (the side with the encrypted credit card information printed on it, such as the back 200B' of the physical credit card shown in Figure 2B) to allow the credit card decryption module 136 to perform image recognition (pattern recognition) to further decrypt the layout and encrypted credit card information on the back of the physical credit card. In some embodiments, after the user aligns the camera of the electronic device 150 with the physical credit card, the credit card decryption module 136 will perform image recognition and decryption without taking a picture of the physical credit card; and after recognition and decryption, a message "decryption successful" pops up and is displayed on the user's electronic device 150. In other embodiments, after the user aligns the camera of the electronic device 150 with the physical credit card, the user needs to take a picture of the physical credit card and upload it to the credit card decryption module 136, and the credit card decryption module 136 will perform image recognition and decryption. In some embodiments, the credit card decryption module 136 performs image recognition (pattern recognition) through optical character recognition (OCR) technology.

As mentioned above, in some embodiments where encryption is performed using an encryption algorithm (public key and private key), the credit card decryption module 136 also performs decryption using an encryption algorithm (public key and private key). The credit card decryption module 136 first decrypts the encrypted credit card information into ciphertext credit card information using the user's private key, and then the credit card decryption module 136 decrypts the ciphertext credit card information into the original credit card information using the bank's public key.

The credit card information display module 138 is signal-connected to the credit card decryption module 136 and is configured to display the decrypted information on the display screen of the user's electronic device 150 for the user to confirm. In addition, the user can store the decrypted information in the electronic device 150 (e.g., by taking a screenshot or saving the decrypted information) or in a personal account (e.g., saving the decrypted information) for subsequent retrieval when necessary.

In addition, the credit card information display module 138 of the coded credit card information confidentiality and verification system 100 disclosed herein is further equipped with augmented reality (AR) technology, so that when the user wears augmented reality (AR) glasses, the user can see the decrypted information displayed in the scene where the user is located, thereby enhancing the user's usage experience.

In some embodiments, the disclosed coded credit card information confidentiality and verification system 100 is connected to the payment application 160, so that the user can conduct transactions by binding the confidential credit card to the payment application 160. In this embodiment, the disclosed coded credit card information confidentiality and verification system 100 further includes a credit card transaction confirmation module 140. The credit card transaction confirmation module 140 is signal-connected to the user database 110 and the credit card decryption module 136, and is configured to confirm the transaction data of the confidential credit card. In addition, after confirming the transaction data, the credit card transaction confirmation module 140 stores the transaction data in the user database 110.

In some embodiments of transactions conducted by physical credit cards, users directly use physical credit cards to conduct transactions. After the transaction is successful, the credit card transaction confirmation module 140 records the transaction data according to the user data on the chip, magnetic stripe or a combination thereof of the physical credit card, and sends a system message, SMS, email or a combination thereof to the user's electronic device 150 to remind the user of the execution of the transaction.

In some embodiments of binding the payment application 160 by decrypting the information (i.e., the initial credit card information) or encrypting the credit card information, the user directly enters the credit card binding function of the payment application 160 and enters the decrypted information or the encrypted credit card information. Then, the payment application 160 will send a verification code to the user's electronic device 150. After receiving the verification code, the user enters the verification code in the payment application 160, and after verification is successful, the binding is successful. When a user conducts a transaction in the payment application 160 using a secure credit card with decrypted messages or encrypted credit card information, the credit card transaction confirmation module 140 will record the transaction based on the decrypted message (or encrypted credit card information) and user information, and send a system message, SMS, email or a combination thereof to the user's electronic device 150 to remind the user of the execution of the transaction.

Next, please refer to Figure 3, which is a flow chart of a method for encrypting and verifying credit card information according to some embodiments of the present disclosure. The encrypting and verifying credit card information process 300 is a process for generating encrypted credit card information.

In step S301, the user applies for a confidential credit card online or in person. When applying, the user is required to provide user information. Then, in step S303, initial credit card information is generated, and the generated initial credit card information is matched with the user information and stored in the user database 110.

Then, in step S305, the initial credit card information is encrypted. After encryption, in step S307, the encrypted credit card information is generated, matched with the user information, and then stored in the user database 110. In addition, the bank will submit the encrypted credit card information to the credit card production institution, and the credit card production institution will print a physical credit card based on the encrypted credit card information. Then, in step S309, the bank will issue the physical credit card printed with the encrypted credit card information to the applicant.

Next, please refer to Figure 4, which is a flow chart of a coded credit card information confidentiality and verification method according to some embodiments of the present disclosure. The coded credit card information confidentiality and verification process 400 is a process for decrypting encrypted credit card information.

In step S401, the user enters personal account information to log into the online banking personal account. Then, in step S403, the online banking verification function is turned on, and identity verification, biometric verification or a combination thereof is performed. Verification has been described above and will not be repeated here.

Next, in step S405, it is determined whether the user has been successfully authenticated. If not, the process returns to step S403, and the user is authenticated again. It is worth mentioning that if the user fails to authenticate for three times, the user is not allowed to authenticate again on that day to ensure that the user's personal account is not stolen.

If yes, the process proceeds to step S407, where the user turns on the decryption function of the online banking, and the user places the back of the physical credit card (the side printed with the encrypted credit card information, for example, as shown in the back 200B' of the physical credit card in FIG. 2B) in the recognizable area of the camera of the electronic device 150, and then the credit card decryption module 136 performs image recognition (pattern recognition) and decryption.

Then, in step S409, the credit card decryption module 136 determines whether the decryption is successful. If not, the process returns to step S407 to decrypt again. In addition, the decryption failure may be caused by the image of the physical credit card being unclear, the physical credit card leaving the camera's recognizable area, the physical credit card not being issued by the bank, the physical credit card not being activated, or the physical credit card being invalid.

If yes, the process proceeds to step S411, where the credit card information display module 138 displays the initial credit card information on the display screen of the user's electronic device 150.

Further, please refer to FIG. 5, which is a flow chart of a method for keeping encrypted credit card information confidential and verifying it according to some embodiments of the present disclosure. The encrypted credit card information confidential and verifying process 500 is a process for binding a credit card and confirming a transaction in the payment application 160. It is worth mentioning that in order to prevent the credit card information of the user from being memorized or recorded by others and then stolen, the encrypted credit card information cannot be used for online transactions, but can be bound to the payment application 160 to further confirm the user's identity and the user's electronic device 150 through the verification function of the payment application 160 to prevent the credit card from being stolen.

In step S501, the user binds the payment application 160 with encrypted credit card information; and in step S502, the user binds the payment application 160 with initial credit card information.

Next, step S505 follows step S501 and step S503, and the payment application 160 sends a verification code to the user's electronic device 150 for the user to confirm the verification code. After the user confirms the verification code, the process proceeds to step S507, and the user enters the verification code through the electronic device 150.

Next, in step S509, the payment application 160 determines whether the verification code entered by the user is correct. If not, the process returns to step S507, where the user can re-enter the verification code, or the user can choose to resend the verification code and enter a new verification code. If yes, the process proceeds to step S511, where the payment application 160 performs binding according to the encrypted credit card information or the initial credit card information.

Further, in step S513, the credit card transaction confirmation module 140 confirms the binding of the encrypted credit card information or the initial credit card information. And, when the user conducts a transaction through the payment application 160 including the encrypted credit card information or the initial credit card information, the process proceeds to step S515, where the credit card transaction confirmation module 140 confirms the transaction data. Then, the process proceeds to step S517, where the transaction data is stored in the user database 110.

In addition, please refer to Figures 6 and 7. Figure 6 is a flow chart of transactions using a physical credit card according to some embodiments of the present disclosure (transaction process 600); and Figure 7 is a flow chart of transactions using a payment application 160 according to some embodiments of the present disclosure (transaction process 700).

In the transaction process 600, in step S601, the user conducts a transaction through a physical credit card, that is, through a card reader. Then, in step S603, the card reader determines whether the physical credit card is valid. If not, the process proceeds to step S605, and the transaction fails. In addition, the reason why the physical credit card is invalid may be that the chip (e.g., chip 202 in FIG. 2B ) of the physical credit card is damaged, the magnetic stripe (e.g., magnetic stripe 204 in FIG. 2B ) of the physical credit card is demagnetized, or the physical credit card has been reported lost.

If yes, then the process proceeds to step S607 to conduct a credit card transaction. Then, after the transaction is successful, the process proceeds to step S609, where the credit card transaction confirmation module 140 notifies the user via a system message, SMS, email, or a combination thereof, and stores the transaction data in the user database 110.

In the transaction process 700, in step S701, the user conducts a transaction through the payment application 160 that binds the initial credit card information or the encrypted credit card information. Then, in step S703, the payment application 160 requests the user to perform identity verification or biometric verification, wherein identity verification and biometric verification have been described above and will not be repeated here.

Next, in step S705, the payment application 160 determines whether the verification is successful. If not, the process proceeds to step S707 and the transaction fails. If yes, the process proceeds to step S709 and the transaction is performed through the payment application 160. Next, after the transaction is successful, the process proceeds to step S711 and the credit card transaction confirmation module 140 notifies the user via a system message, SMS, email or a combination thereof and stores the transaction data in the user database 110.

In summary, through the disclosed coded credit card information confidentiality and verification system and method, credit card information (such as credit card number, security code and/or expiration date, etc.) can be encrypted, and the encrypted credit card information can be used to print the physical credit card. In this way, the shielding effect of the credit card information can be achieved, making the physical credit card more secure and reliable. In addition, the disclosed coded credit card information confidentiality and verification system and method can also be applied to different payment application programs (including online payment and online banking through the verification function of the payment application program), thereby expanding the scope of application of the disclosed invention.

In addition, after receiving the physical credit card, the user can perform identity verification and/or biometric verification through online banking, and then decrypt the encrypted credit card information to obtain the real credit card sensitive information, so as to achieve higher security and tamper-proof. In addition, the disclosed coded credit card information confidentiality and verification system and method only encrypts the real credit card information and then prints the physical credit card with the encrypted credit card information, so the technical cost is relatively low and easy to popularize.

Although the present disclosure is disclosed as above by way of embodiments, it is not intended to limit the present disclosure. Anyone skilled in the art can make various changes and modifications without departing from the spirit and scope of the present disclosure. Therefore, the protection scope of the present disclosure shall be subject to the definition of the attached patent application scope.

100: Encoded credit card information security and verification system 102: Input/output device 104: Processor 110: User database 120: Credit card encoding encryption module 122: Credit card application module 124: Credit card information generation module 126: Credit card information encryption module 128: Encrypted information transmission module 130: Credit card authentication module 132: User login module 134: User verification module 136: Credit card decryption module 138: Credit card information display module 140: Credit card transaction confirmation module 150: Electronic device 160: Payment application 200A, 200B: Front 200A’, 200B’: Back 202: Chip 204: Magnetic stripe 210A: Initial credit card information 212A: Initial credit card number 214A: Initial security code 216A: Initial expiration date 210B: Encrypted credit card information 212B: Encrypted credit card number 214B: Encrypted security code 216B: Encrypted expiration date 300, 400, 500: Encoded credit card information confidentiality and verification process 600, 700: Transaction process S301, S303, S305, S307, S309: Steps S401, S403, S405, S407, S409, S411: Steps S501, S503, S505, S507, S509, S511, S513, S515, S517: Step S601, S603, S605, S607, S609: Step S701, S703, S705, S707, S709, S711: Step

To make the disclosure and other purposes, features, advantages and embodiments more clearly understandable, the attached drawings are described as follows: Figure 1 is a functional block diagram of a coded credit card information confidentiality and verification system according to some embodiments of the disclosure; Figure 2A is an example diagram of the front and back of a physical credit card according to some embodiments of the disclosure; Figure 2B is an example diagram of the front and back of a physical credit card according to some embodiments of the disclosure; Figure 3 is a flow chart of a coded credit card information confidentiality and verification method according to some embodiments of the disclosure; Figure 4 is a flow chart of a coded credit card information confidentiality and verification method according to some embodiments of the disclosure; Figure 5 is a flow chart of a coded credit card information confidentiality and verification method according to some embodiments of the disclosure; Figure 6 is a flow chart of using a physical credit card for transactions according to some embodiments of the disclosure; and Figure 7 is a flow chart of transactions using payment applications according to some embodiments of the present disclosure.

Domestic storage information (please note in the order of storage institution, date, and number) None Foreign storage information (please note in the order of storage country, institution, date, and number) None

100: Encoded credit card information confidentiality and verification system

102: Input/output device

104: Processor

110: User database

120: Credit card code encryption module

122: Credit card application module

124: Credit card information generation module

126: Credit card information encryption module

128: Encrypted information transmission module

130: Credit card authentication module

132: User login module

134: User authentication module

136: Credit card decryption module

138: Credit card information display module

140: Credit card transaction confirmation module

150: Electronic devices

160: Payment application

Claims (10)

A coded credit card information confidentiality and verification system is provided for a user to apply for a confidential credit card, and a bank employee performs an application operation and a card issuance operation, including: a processor, including: a user database, configured to store a plurality of user data of the user; a credit card application module, signal-connected to the user database, configured to provide the bank employee with the user data of the user to apply for the confidential credit card; a credit card information generation module, signal-connected to the credit card application module and the user database, configured to generate initial credit card information, and match it with the user data to generate a credit card user matching message; a credit card information encryption module, signal-connected to the credit card information generation module and the user database, configured to convert the initial credit card information into a credit card user matching message; The credit card information is encrypted to generate an encrypted credit card information, and the encrypted credit card information is matched with the user data to generate an encrypted credit card matching message, wherein the encrypted credit card information includes an encrypted credit card number, an encrypted security code, an encrypted expiration date or a combination thereof; an encrypted information transmission module, signal-connected to the credit card information encryption module, configured to provide the encrypted credit card matching message to the bank staff to perform the card issuance operation; and a credit card decryption module, signal-connected to the user database, configured to provide a decryption function to the user after obtaining the confidential credit card to obtain the initial credit card information; and an input/output device, coupled to the processor, configured to provide the bank staff with an operation to control the processor. The coded credit card information security and verification system as described in claim 1, wherein the credit card information encryption module encrypts the initial credit card information into the encrypted credit card information through an encryption algorithm. The coded credit card information confidentiality and verification system as described in claim 2, wherein the credit card information encryption module encrypts the initial credit card information into ciphertext credit card information using a bank private key, and then encrypts the ciphertext credit card information into the encrypted credit card information using a user public key. The coded credit card information security and verification system as described in claim 3, wherein the credit card decryption module performs an image recognition of the confidential credit card through an optical text recognition technology. The coded credit card information confidentiality and verification system as described in claim 4, wherein the credit card decryption module decrypts the encrypted credit card information into the ciphertext credit card information through a user private key after the image is recognized, and then decrypts the ciphertext credit card information into the initial credit card information through a bank public key. The coded credit card information security and verification system as described in claim 1, wherein the processor includes: a user verification module, signal-connected to the user database and the credit card decryption module, configured to provide the user with a user verification, wherein when the user verification is successful, the user verification module generates a user confirmation message; and when the credit card decryption module receives the user confirmation message, the credit card decryption module starts the decryption function. The coded credit card information security and verification system as described in claim 6, wherein the user verification includes an identity verification, a biometric verification or a combination thereof. The coded credit card information security and verification system as described in claim 5, wherein the processor includes: a credit card transaction confirmation module, signal-connected to the user database and the credit card decryption module, configured to confirm a transaction data of the confidential credit card, wherein after the credit card transaction confirmation module confirms the transaction data, the transaction data will be stored in the user database. A coded credit card information confidentiality and verification method is provided for a user to apply for a confidential credit card, and a bank employee performs an application operation and a card issuance operation, including: inputting multiple user information of the user to apply for the confidential credit card; generating an initial credit card information, and matching the initial credit card information with the user information; encrypting the initial credit card information to generate an encrypted credit card information, and matching the encrypted credit card information with the user information; printing the confidential credit card according to the encrypted credit card information; and issuing the confidential credit card to the user. The method for maintaining confidentiality and verifying coded credit card information as described in claim 9 further comprises: the user logs into a personal account of an online bank through an electronic device; the user performs a user verification; after successful verification, performs a decryption function of the online bank; and presents the initial credit card information on a display screen of the electronic device of the user.

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