TWM649793U - Coded credit card information security and verification system - 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.

Description

Encoded credit card information confidentiality and verification system

This invention relates to an encoded credit card information system, and in particular to an encoded credit card information confidentiality and verification system.

In recent years, the sales model of using credit cards for online shopping has been increasingly expanded. When users use a credit card for online shopping, they must enter the credit card number, expiration date, security code and other information. However, this information can easily be stolen by criminals, causing problems such as credit card theft.

In view of this, there is a need for a system and method that can encrypt credit card number, expiration date, security code and other information to improve credit card security and tamper resistance.

According to some embodiments of the present invention, a coded credit card information confidentiality and verification system provides users with the ability to apply for a confidential credit card, and the bank clerk performs 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 a user's user data. The credit card application module signal is connected to the user database and is configured to provide the clerk with input of the user's user information 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, configured to generate initial credit card information, and is paired with user information to generate credit card user matching information. The credit card information encryption module signal is connected to the credit card information generation module and the user database, configured to encrypt the initial credit card information to generate encrypted credit card information, and pair it with the user information to generate encrypted credit card matching information. The encrypted information transmission module signal is connected to the credit card information encryption module and is configured to provide encrypted credit card matching information to the banker for card issuance operations. The credit card decryption module signal is connected to the user database and is configured to provide the user with the decryption function after obtaining the confidential credit card to obtain the initial credit card information. An input/output device is coupled to the processor and configured to provide operator operation to control the processor.

According to some embodiments of the present invention, an encoded credit card information confidentiality and verification method is provided for users to apply for a confidential credit card, and the bank clerk performs the application operation and card issuance operation, including the following steps. Enter the user's user profile to apply for a confidential credit card. Generate initial credit card information and match the initial credit card information with user data. The initial credit card information is encrypted to generate the encrypted initial credit card information, and the encrypted credit card information is paired with the user data. Print confidential credit cards based on encrypted credit card information. Issue confidential credit cards to users.

The following will clearly illustrate the spirit of this invention with drawings and detailed descriptions. Anyone with ordinary knowledge in the technical field, after understanding the embodiments of this invention, can make changes and modifications based on the techniques taught in this invention. It does not deviates from the spirit and scope of this creation.

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

As used in this article, "coupling" or "signal connection" can refer to two or more modules or devices that are in direct physical contact with each other, or that are in indirect physical contact with each other. It can also refer to two or more modules. or device interoperability or action.

The terms "include", "include", and "have" used in this article are all open terms, which mean 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 resistance of credit cards, this invention provides a coded credit card information confidentiality and verification system and method to provide users with the ability to apply for confidential credit cards , and the bank’s clerks will perform the application and card issuance operations.

Please refer to Figure 1 , which is a functional block diagram of the encoded credit card information security and verification system 100 according to some embodiments of the present invention. The encoded credit card information security and verification system 100 of the present invention includes an input/output device 102 and a processor 104. It is additionally mentioned that the input/output device 102 includes, for example, a desktop computer, a notebook computer, a mouse, a biometric capture device (for example, a photography device, a microphone, a fingerprint collector, and a vein signature capture device), or a combination thereof. , provided to the bank clerk to operate to control the processor 104.

The processor 104 includes a user database 110, a credit card encoding encryption module 120 and a credit card authentication module 130. The credit card encoding encryption module 120 is connected to the credit card authentication module 130 through signals, and the user database 110 is connected through signals to the credit card encoding encryption module 120 and the credit card authentication module 130 . The user database 110 is configured to store a plurality of user information of users applying for credit cards. The credit card encoding encryption module 120 is configured to provide the clerk with inputting multiple user information of the user to assist the user in applying for a confidential credit card, and to encrypt the user's credit card information to issue the encrypted physical credit card to the user. After the user receives the physical credit card and opens the card, the credit card authentication module 130 is configured to provide the user with decryption of the 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 connected to the user database 110 via signals and coupled to the input/output device 102, and is configured to provide the clerk with inputting a plurality of user information of the user applying for the credit card 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 in which the input/output device 102 includes a camera device, the user's facial feature data is captured through the camera device when applying for a credit card, and therefore, the user data includes facial feature data. In some embodiments in which the input/output device 102 includes a fingerprint sensor, the user's fingerprint information is captured through the fingerprint sensor when applying for a credit card. Therefore, the user information includes fingerprint information. In some embodiments in which the input/output device 102 includes a microphone, the user's voiceprint information is captured through the microphone when applying for a credit card, and therefore, the user information includes the voiceprint information. In some embodiments in which the input/output device 102 includes a vein feature collection device, the user's vein feature data is captured through the vein feature collection device when applying for a credit card. Therefore, the user data includes vein feature data. It is understandable that the user's facial feature data, fingerprint data, voiceprint data and/or vein feature data can also be uploaded to a personal account in online banking by the user himself, and the core accounting system (not shown) After receiving, it is stored in the user database 110. Although the core accounting system is not shown in Figure 1, the encoded credit card information security and verification system 100 is one of the subsystems of the core accounting system.

The credit card information generation module 124 is connected via signals 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 user information. In addition, after matching the initial credit card information with the user information, the credit card information generation module 124 generates credit card user matching information and stores it in the user database 110 . In addition, the initial credit card information includes the initial credit card number, initial security code, initial expiration date or a combination thereof.

The credit card information encryption module 126 is connected via signals 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. Furthermore, the credit card information encryption module 126 will pair the encrypted credit card information with the user information, generate encrypted credit card matching information, and store it in the user database 110 .

In some embodiments, the initial credit card information is encrypted using an encryption algorithm, such as using a public key and a private key. In some embodiments of encryption using an encryption algorithm, the credit card information encryption module 126 will encrypt the initial credit card information into ciphertext credit card information through the bank's private key. Then, the credit card information encryption module 126 will encrypt the encrypted credit card information through the user's public key. The credit card information is encrypted and becomes encrypted credit card information. In addition, the user's public key is generated based on user information, for example.

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" through the bank's private key, and then uses the user's public key to encrypt the initial credit card number. The key encrypts the ciphertext credit card information into encrypted credit card information "9242 9076 6631".

Further, please refer to Figure 2A and Figure 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 invention; Figure 2B is according to some embodiments of the present invention. An example diagram of the front 200B and the back 200B' of a physical credit card.

As shown in Figure 2A, the front side 200A of the physical credit card includes a chip 202 configured to store user information, credit card information, and transaction information. In addition, the backside 200A' of the physical credit card includes a magnetic strip 204 configured to store user information, credit card information, and transaction information. When a user makes a transaction through a physical credit card, the card machine can read and write data through the chip 202, the magnetic strip 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 induction card swiping machine.

The back of the physical credit card 200A′ further includes initial credit card information 210A. The initial credit card information 210A includes the initial credit card number 212A, the initial security code 214A, the initial validity 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 validity date 216A in the initial credit card information 210A.

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

The backside 200B' of the physical credit card further includes encrypted credit card information 210B. The encrypted credit card information 210B includes an encrypted credit card number 212B, an encrypted security code 214B, an encrypted validity 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 Figures 2A and 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, but only one or both of them can 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. This creation is not limited to this.

Please return to Figure 1. The signal of the encrypted information transmission module 128 is connected to the credit card information encryption module 126 and coupled with the input/output device 102, configured to transmit the encrypted credit card pairing information to the input/output device 102 for the clerk. Carry out physical credit card production and card issuance operations.

It is worth mentioning that physical credit cards can be used by users for physical transactions (that is, used with the store's card swiping machine for physical credit card transactions), but they 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 an interested party records or memorizes the credit card information on the physical credit card, credit card transactions (such as online transactions) cannot be performed. In this way, you can avoid credit card fraud.

Furthermore, the encoded credit card information confidentiality and verification system 100 of this invention can also provide users with the ability to obtain initial credit card information after authenticating the physical credit card. Accordingly, the credit card authentication 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 authentication module 130 must be used with the electronic device 150 to allow the user to complete user and credit card authentication to obtain initial credit card information. In addition, the electronic device 150 includes a smart phone, a tablet computer, a card reader, a photography device, a microphone, or a combination thereof.

The user login module 132 is connected to the user database 110 via signals and is configured to provide the user with input personal account information to log into a personal account of an online bank, and generate a user login message after the user successfully logs in. The online bank is, for example, an online bank. Or online banking application (Application, APP). Personal account information includes account number, password, user code, ID card number, birthday, 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 through system messages, SMS or emails, and the verification code is time-sensitive (for example, within 60, 100 or 300 seconds), and the user The verification code must be entered through the electronic device 150 within the time limit to perform verification and login of the electronic device 150. Moreover, the verification code is, for example, numbers from 4 to 8 digits, English letters, or a combination thereof.

The user verification module 134 is connected with the user login module 132 and the user database 110 via signals, and is configured to perform user verification after receiving user login information, such as through identity verification, biometric verification or a combination thereof. Moreover, after the user authentication is successful, the user authentication module 134 generates a user confirmation message. In some embodiments, users may log in through identity verification or biometric verification. In other embodiments, when a user logs in, he or she needs to undergo identity verification first and then biometric verification; or, user needs to undergo biometric verification first and then identity verification. Further, the identity verification is performed, for example, through account number, password, user code, ID card number, birthday or a combination thereof. The biometric verification is, for example, verified through the user's facial features, fingerprints, voiceprints or vein characteristics, and the biometric verification can be through the camera function, fingerprint recognition function or recording function of a smartphone or tablet, a photography device or a microphone to achieve verification. In addition, biometric verification can also be used to verify the user's vein characteristics through a smartphone or tablet paired with a smart watch.

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 (such as a desktop computer or notebook computer) for user verification. To further explain, after logging in to a personal account, the user can obtain the user's personal account information and encrypted credit card information through a physical credit card, card reader and computer, that is, the user does not need to enter personal account information and encrypted credit card information one by one. Then, biometric verification is performed through the computer's camera or microphone to confirm that the current user is the user of the physical credit card.

The credit card decryption module 136 is connected via signals to the user verification module 134 and the user database 110, and is configured to provide the user with a decryption function after receiving the user confirmation message to decrypt the user's encrypted credit card information printed on the physical credit card. When the credit card decryption module 136 decrypts, a decrypted message will be generated. The decrypted information includes initial credit card information, that is, initial credit card number, initial security code, 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 point 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, so that the credit card decryption module 136 can perform image recognition (pattern recognition) to further decrypt the credit card information through the typesetting and encrypted credit card information on the back of the physical credit card. In some embodiments, after the user points the camera of the electronic device 150 at the physical credit card, the credit card decryption module 136 will perform image recognition and decryption without taking an image of the physical credit card; and, during recognition and decryption Afterwards, a message "Decrypted successfully" pops up and is displayed on the user's electronic device 150 . In other embodiments, after the user points the camera of the electronic device 150 at the physical credit card, the image of the physical credit card must be taken and uploaded to the credit card decryption module 136, and then 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 (Optical Character Recognition, OCR) technology.

As mentioned above, in some embodiments where encryption is performed through an encryption algorithm (public key and private key), the credit card decryption module 136 also performs decryption through an encryption algorithm (public key and private key). The credit card decryption module 136 first decrypts the encrypted credit card information into cipher text credit card information through the user's private key. Then, the credit card decryption module 136 decrypts the cipher text credit card information into initial credit card information through 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's confirmation. In addition, the user can store the decrypted information in the electronic device 150 (for example, by taking a screenshot or saving the decrypted information) or in a personal account (for example, by saving the decrypted information) for subsequent retrieval when necessary.

In addition, the credit card information display module 138 of the encoded credit card information confidentiality and verification system 100 of this invention is also equipped with Augmented Reality (AR) technology, so that when users wear augmented reality (AR) glasses, they can See the decrypted information displayed in the scene where the user is located to enhance the user experience.

In some embodiments, the encoded credit card information confidentiality and verification system 100 of the present invention will be connected to the payment application 160, so that users can perform transactions through the secure credit card binding the payment application 160. In this embodiment, the encoded credit card information confidentiality and verification system 100 of the present invention further includes a credit card transaction confirmation module 140 . The credit card transaction confirmation module 140 signals the user database 110 and the credit card decryption module 136 and is configured to confirm the confidential credit card transaction information. Moreover, after confirming the transaction data, the credit card transaction confirmation module 140 will store the transaction data in the user database 110 .

In some embodiments where the transaction is conducted via a physical credit card, the user directly uses the physical credit card to conduct the transaction. After the transaction is successful, the credit card transaction confirmation module 140 will record the transaction information based on the user information on the physical credit card's chip, magnetic strip, or a combination thereof, 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.

In some embodiments in which the payment application 160 is bound by decrypting information (i.e., initial credit card information) or encrypting credit card information, the user directly enters the binding credit card function of the payment application 160 and enters the decrypted information or encrypted credit card. information. Then, the payment application 160 will send the 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 if the verification is successful, the binding is successful. When a user conducts a transaction in the payment application 160 through a confidential credit card that decrypts information or encrypts credit card information, the credit card transaction confirmation module 140 records the transaction based on the decrypted information (or encrypted credit card information) and user information, 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.

Next, please refer to Figure 3. Figure 3 is a flow chart of an encoded credit card information confidentiality and verification method according to some embodiments of the present invention. The encoded credit card information confidentiality and verification process 300 is a process for generating encrypted credit card information.

In step S301, the user applies for a confidential credit card online or at a counter. When applying, users must provide user information. Next, in step S303, initial credit card information is generated, paired 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, encrypted credit card information is generated, paired with user information, and then stored in the user database 110. Moreover, the bank will submit the encrypted credit card information to the credit card production institution, and the credit card production institution will print the physical credit card based on the encrypted credit card information. Next, in step S309, the bank issues a physical credit card with encrypted credit card information printed on it to the applicant.

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

In step S401, the user inputs personal account information to log in to the personal account of the online banking. Next, in step S403, the verification function of the online bank is turned on, and identity verification, biometric verification or a combination thereof is performed. Regarding verification, it has been explained above and will not be described again here.

Next, in step S405, it is determined whether the user verification is successful. If not, return to step S403 and the user re-authenticates. It is worth mentioning that when a user fails to verify for three times, the user is not allowed to verify again on that day to ensure that the user's personal account is not stolen.

If so, then enter step S407, the user turns on the decryption function of the online banking, and the user puts the back of the physical credit card (the side with encrypted credit card information printed on it, for example, as shown in the back of the physical credit card 200B' in Figure 2B ) is placed in the discernible area of the camera of the electronic device 150, and then the credit card decryption module 136 performs image recognition (pattern recognition) and decrypts.

Next, in step S409, the credit card decryption module 136 determines whether the decryption is successful. If not, return to step S407 and re-decrypt. In addition, the reasons for decryption failure may be that the image of the physical credit card is unclear, the physical credit card is out of the visible area of the camera, the physical credit card is not a credit card issued by the Bank, the physical credit card has not been opened, or the physical credit card is invalid.

If yes, step S411 is entered, and the credit card information display module 138 presents the initial credit card information on the display screen of the user's electronic device 150 .

Further, please refer to Figure 5, which is a flow chart of an encoded credit card information confidentiality and verification method according to some embodiments of the present invention. The encoded credit card information confidentiality and verification 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 user's credit card information from being memorized or skimmed by others and then being stolen, therefore, although the encrypted credit card information cannot be used for online transactions, it can be bound to the payment application 160 to The user's identity and the user's electronic device 150 are further confirmed through the verification function of the payment application 160 to prevent credit card theft.

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

Next, step S505 continues 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, step S507 is entered, where the user inputs the verification code through the electronic device 150 .

Next, in step S509, the payment application 160 determines whether the verification code input by the user is correct. If not, return to step S507, and 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 so, step S511 is entered, and the payment application 160 performs binding based on the encrypted credit card information or the initial credit card information.

Further, in step S513, the credit card transaction confirmation module 140 will confirm the binding of the encrypted credit card information or the initial credit card information. Moreover, when the user conducts a transaction through the payment application 160 that includes encrypted credit card information or initial credit card information, step S515 is entered, and the credit card transaction confirmation module 140 confirms the transaction information. Then, step S517 is entered to store the transaction data in the user database 110 .

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

In the transaction process 600, step S601, the user conducts a transaction through a physical credit card, that is, through a card swiping machine. Next, in step S603, the card swiping machine determines whether the physical credit card is valid. If not, step S605 is entered and the transaction fails. In addition, the reason why the physical credit card is invalid may be that the chip of the physical credit card (such as the chip 202 in Figure 2B) is damaged, the magnetic stripe of the physical credit card (such as the magnetic stripe 204 in Figure 2B) is degaussed, or the physical credit card has been reported lost, etc.

If so, proceed to step S607 to perform a credit card transaction. Then, after the transaction is successful, proceeding to step S609, the credit card transaction confirmation module 140 will notify the user through system messages, SMS, emails, or a combination thereof, and store the transaction information in the user database 110.

In the transaction process 700, in step S701, the user conducts a transaction through the payment application 160 bound with the initial credit card information or encrypted credit card information. Next, in step S703, the payment application 160 requests the user to perform identity verification or biometric verification. The 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, step S707 is entered and the transaction fails. If so, proceed to step S709 to perform transactions through the payment application 160 . Then, after the transaction is successful, step S711 is entered. The credit card transaction confirmation module 140 will notify the user through a system message, SMS, email, or a combination thereof, and store the transaction information in the user database 110 .

Based on the above, through the encoded credit card information confidentiality and verification system and method of this creation, 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 to print physical credit cards. In this way, the credit card information can be masked, making the physical credit card more secure and reliable. In addition, the coded credit card information confidentiality and verification system and method of this creation can also be applied to the transaction methods of different payment and payment applications (including online payment and online banking through the verification function of the payment and payment application). This further expands the application scope of this creation.

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 sensitive credit card information to achieve higher security and anti-tampering. sex. In addition, the encoded credit card information confidentiality and verification system and method created by this invention only encrypt the real credit card information, and then use the encrypted credit card information to print physical credit cards, so the technology cost is low and it is easy to popularize.

Although the present invention is disclosed above as an embodiment, it is not intended to limit the invention. Anyone familiar with this art can make various changes and modifications without departing from the spirit and scope of the invention. Therefore, the scope of protection of the invention is The scope of the patent application shall be determined by the attached patent application.

100: Encoded credit card information confidentiality 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 devices 160: Payment application 200A, 200B: front 200A’, 200B’: back 202:wafer 204:Magnetic strip 210A: Initial credit card information 212A: Initial credit card number 214A: Initial security code 216A: Initial validity date 210B: Encrypted credit card information 212B: Encrypted credit card number 214B: Encrypted security code 216B: Encryption validity date 300, 400, 500: Coded 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: Steps S601, S603, S605, S607, S609: Steps S701, S703, S705, S707, S709, S711: Steps

In order to make the present invention and other purposes, features, advantages and embodiments more obvious and understandable, the accompanying drawings are described as follows: Figure 1 is a functional block diagram of an encoded credit card information security and verification system according to some embodiments of the present invention; Figure 2A is an example schematic diagram of the front and back of a physical credit card according to some embodiments of the present invention; Figure 2B is an example schematic diagram of the front and back of a physical credit card according to some embodiments of the present invention; Figure 3 is a flow chart of an encoded credit card information confidentiality and verification method according to some embodiments of the present invention; Figure 4 is a flow chart of an encoded credit card information confidentiality and verification method according to some embodiments of the present invention; Figure 5 is a flow chart of an encoded credit card information confidentiality and verification method according to some embodiments of the present invention; Figure 6 is a flow chart of transactions using a physical credit card according to some embodiments of the present invention; and Figure 7 is a flowchart of a transaction using a payment application in accordance with some embodiments of the present invention.

100: Encoded credit card information confidentiality 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 devices

160: Payment application

Claims (10)

A coded credit card information confidentiality and verification system that provides a user with the ability to apply for a confidential credit card, and a bank member to perform an application operation and a card issuance operation, including: A processor, including: a user database configured to store a plurality of user information of the user; A credit card application module, the signal is connected to the user database, and is configured to provide the banker with input of the user information of the user to apply for the confidential credit card; A credit card information generation module, the signal is connected to the credit card application module and the user database, configured to generate an initial credit card information, and match the initial credit card information with the user information; A credit card information encryption module, the signal is connected to the credit card information generation module and the user database, configured to encrypt the initial credit card information to generate an encrypted credit card information, and match the encrypted credit card information with the user information, to generate an encrypted credit card matching message; An encrypted information transmission module, the signal is connected to the credit card information encryption module, configured to provide the encrypted credit card pairing information to the banker for the card issuance operation; and A credit card decryption module, the signal is 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; and An input/output device is coupled to the processor and configured to provide operation for the operator to control the processor. The encoded credit card information confidentiality and verification system as described in claim 1, wherein the credit card information encryption module is configured to encrypt 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 request item 2, wherein the credit card information encryption module is configured to encrypt the initial credit card information into ciphertext credit card information through a bank private key, and then use a user public key to encrypt the initial credit card information into cipher text credit card information. The ciphertext credit card information is encrypted into the encrypted credit card information. The encoded credit card information security and verification system as described in claim 3, wherein the credit card decryption module is configured to perform an image recognition of the confidential credit card through an optical character recognition technology. The encoded credit card information confidentiality and verification system as described in request item 4, wherein the credit card decryption module is configured to decrypt the encrypted credit card information into cipher text credit card information through a user private key after the image recognition, and then Decrypt the ciphertext credit card information into initial credit card information through a bank public key. The encoded credit card information confidentiality and verification system as described in request 1, wherein the processor includes: A user login module, the signal is connected to the user database, and is configured to allow the user to input multiple personal account information to log in to a personal account of an online bank. When the user successfully logs in, the user login module generates A user login message. The encoded credit card information confidentiality and verification system as described in request item 6, wherein the processor includes: A user verification module, the signal is connected to the user login module, the user database and the credit card decryption module, configured to receive the user login message, and then perform a user verification, wherein when the user verification is successful, the user verification The module will generate a user confirmation message; and After the credit card decryption module receives the user confirmation message, the credit card decryption module starts to perform the decryption function. The encoded credit card information confidentiality and verification system described in claim 7, wherein the user verification includes an identity verification, a biometric verification or a combination thereof. The encoded credit card information confidentiality and verification system as described in request item 5, wherein the processor includes: A credit card transaction confirmation module, the signal is connected to the user database and the credit card decryption module, configured to confirm a transaction data of the confidential credit card, wherein the credit card transaction confirmation module will store the transaction data after confirming the transaction data in the user database. The coded credit card information confidentiality and verification system as described in request item 9, wherein the credit card transaction confirmation module is configured to confirm the transaction information and will be reminded through a system message, a text message, an email, or a combination thereof this user.

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