TWM606303U - Credit Card Transaction System - Google Patents

Abstract

A credit card transaction system includes: a credit card swiping device for obtaining credit card information; a camera device connected to the credit card swiping device telecommunications signal for recording and obtaining real-time facial video of one of the cardholders to perform the first For the second comparison, the real-time facial video is 15 to 20 seconds of real-time swiping video, allowing a database to perform a series of comparisons; a display device connected to the credit card swiping device's telecommunications signal to provide a face A selection table of images for the cardholder to choose for the second comparison, wherein the selection table for facial images is mixed with the cardholder’s preset facial images and other facial images; and an authentication The device is connected with the telecommunication signal of the credit card swiping device to compare the real-time facial video with the preset facial video of one of the cardholders stored in the database. If the first comparison and the second comparison are both The authorization is passed if the comparison is successful, and the authorization is rejected if the comparison fails.

Description

Credit Card Transaction System

This creation is about a transaction system, especially a credit card transaction system.

Credit Card is a non-cash transaction payment method, which is issued to the cardholder by the bank or credit card company in accordance with the user’s credit and financial resources. The cardholder does not need to pay cash for consumption with a credit card and will repay the bill on the day of the bill. .

The most common method of credit card transactions is to swipe a card through a point of sale terminal (POS machine). When swiping the card, the operator should first check the validity period of the credit card and the cardholder's last name. Then, select the corresponding POS machine according to the issuing bank and the type of currency to be paid, and swipe the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip type credit card into the card slot, connect to the bank and other remote terminals, and enter the corresponding Amount. After the remote terminal accepts the information, the POS machine will print out the receipt of the card payment, and the cardholder should sign the receipt after checking that the information on the payment receipt is correct. After checking the signature on the receipt and the signature on the back of the credit card, the operator sends a copy of the credit card and the payment receipt to the cardholder. However, the problem with this method is that the cardholder's signature cannot be accurately judged, and therefore, fraudulent use or forgery cannot be judged.

An emerging credit card transaction method is to use a radio frequency identification machine (RFID machine) to tap the card to sense. When taking a card, the operator should first check the validity period of the credit card and the cardholder's last name and other information. Then, according to the card issuing bank and the type of currency to be paid, select the corresponding tapping machine, enter the corresponding amount, and place the credit card flat above the sensor. After the RFID machine senses the credit card, it will emit a signal sound, and then continue to operate the program. After the remote terminal receives the information, the machine will print a receipt for the card payment, but unlike the previous method, the cardholder does not need to sign, which is faster than the previous method ,more convenient. However, the price of faster and more convenient is that there is no second-level check mechanism at all. Once the credit card is lost, fraudulently used, or forged, it will directly cause losses to the cardholder, bank or store.

With the development of online transactions, more and more transactions are paid through the Internet. When paying online, you need to enter the card number, the validity period of the credit card, the credit card security code next to the signature box on the back of the card, the online transaction password, and sometimes you need to enter your name, a verification code randomly generated on the web page, etc. After the input is complete, click Submit to complete the online payment. However, this online payment method is the most risky of the several payment methods of credit cards, because malicious people may use phishing, eavesdropping on Internet information, and fake payment to steal user information. For example, when another person obtains a credit card or obtains a credit card number and authentication code, credit card transactions can also be performed. It is difficult to confirm whether it is the original credit card holder's own behavior.

Card-issuing banks also actively promote smart cards to protect the credit information of cardholders, or use database encryption or firewall encryption. However, once the information is leaked, more information and money will be leaked.

In addition, there is also a method that requires more special passwords or digital IDs to be filled in during online transactions to strengthen the identification ability during consumer authorization. Or, strengthen online authorization monitoring and strengthen functions such as timely screening and filtering of transactions.

However, no matter how the issuer bank’s internal management rules to prevent credit card fraud, it is impossible to improve the inherent structural defect that the external credit card machine only "recognizes the card but does not recognize the person." Therefore, the issuer bank can only A large budget was prepared every year to compensate for the fraud incident.

In order to reduce the loss of cardholders, the current card-issuing bank usually bears 24 to 48 hours of fraudulent losses, and even exempts the cardholder from liability completely to attract cardholders to spend with the card. However, this method still causes substantial losses, but who is responsible for the losses.

Therefore, based on the current multiplier growth of e-commerce and the surge in transaction disputes between cardholders and banks, it is necessary to design a system that can reduce disputes and risks between cardholders and banks for the current growing credit card transactions and online credit card transactions. Credit card transaction method and system.

The purpose of this creation is to provide a credit card transaction method and system that can recognize both the card and the person.

Another purpose of this creation is to provide a credit card transaction method and system that can reduce the risk of losing money by stealing money at the bank.

Another purpose of this creation is to provide a credit card transaction method and system that can reduce the error of comparing the cardholder's signature.

Another purpose of this creation is to provide a credit card transaction method and system that can improve the security of credit card transactions.

In order to achieve the aforementioned and other creative purposes, the credit card transaction method provided by this creation includes: obtaining a credit card data; recording a real-time facial video of one of the cardholders; comparing the real-time facial video with the cardholder’s saved in the database A preset facial video for the first comparison; a facial image selection table is provided for the cardholder to choose for the second comparison. The facial image selection table is mixed with the cardholder’s Preset facial images and the facial images of others; and if the first comparison and the second comparison are successful, the authorization is passed, and if the comparison fails, the authorization is rejected.

In one implementation of this creation, the real-time facial video is 15-20 seconds of real-time swiping video, allowing the database to perform a series of comparisons.

In an embodiment of this creation, the credit card transaction method further includes providing a face image selection table for the cardholder to select for the second comparison.

In an embodiment of this creation, the face image selection table is mixed with the preset face image of the cardholder and the face images of others.

In an embodiment of this creation, the credit card transaction method further includes storing the real-time facial video for 45 to 180 days, and deleting the real-time facial video after the cardholder has paid normally.

In order to achieve the aforementioned and other creative purposes, the credit card transaction system provided by this creation includes: a credit card swiping device to obtain a credit card information; a camera device connected to the credit card swiping device's telecommunication signal to record the card holder’s information A real-time facial video for the first comparison; a display device, connected with the credit card swiping device, to provide a face image selection table for the cardholder to choose for the second comparison , Wherein the face image selection table is mixed with the preset face image of the cardholder and the face images of others; and an authentication device connected with the telecommunication signal of the credit card swiping device for real-time comparison The facial video and one of the cardholders saved in the database preset the facial video. If the first and second comparisons are successful, the authorization is passed, and if the comparison fails, the authorization is rejected.

In one embodiment of this creation, the camera device includes a camera device integrated with a credit card swiping device, a camera device of a mobile phone, a camera device of a notebook computer, a camera device of a tablet, or a camera device of a personal computer.

In one embodiment of this creation, the credit card transaction system further includes a display device connected to the credit card swiping device with a signal to provide a face image selection table for the cardholder to choose for the second comparison .

In an embodiment of this creation, the face image selection table is mixed with the preset face image of the cardholder and the face images of others.

In an embodiment of this creation, the authentication device retains the real-time facial video for 45 to 180 days, and deletes the real-time facial video after the cardholder normally pays.

Figure 1 is a flowchart of the implementation of the credit card transaction method creation. Please refer to Figure 1. Step S1 is to obtain a credit card data; Step S2 is to obtain a real-time facial video of one of the cardholders; Step S3 is to compare the real-time facial video with a preset face of the cardholder stored in the database Part video; and step S4 is that if the comparison succeeds, the authorization is passed, and if the comparison fails, the authorization is rejected.

The advantage of this method is that during the comparison in step S3, it can be immediately confirmed whether the cardholder is the real cardholder. In this way, the error of comparing the cardholder's signature can be reduced, and the fraudulent use of the card by others can also be reduced.

Among them, step S2 is to obtain the real-time facial video of the cardholder. The real-time facial video, such as 15 to 20-second real-time swiping video, allows the database to perform a series of comparisons to improve recognition accuracy and security. In this way, it is possible to prevent fraudsters from using static photos to deceive, or reduce the chance of fraudsters sending false telecommunication signals.

In addition, FIG. 2 is an implementation flowchart of another embodiment of a credit card transaction method. Please refer to FIG. 2, after step S3 is executed, step S31 may be executed. Step S31 is to provide a face image selection table for the cardholder to select for the second comparison. Wherein, the face image selection table can be mixed with the preset face image of the card holder and the face images of others. In this way, the chances of fraudsters transmitting false telecommunication signals can be reduced.

For example, step S3 is used to allow the bank-side system to directly compare the preset facial video of the cardholder in the database with the real-time facial video of the current card swiping. If an online transaction is being performed, step S31 can provide a face image selection table that mixes the preset face image of the cardholder and the face images of others, for the card reader to click. In this way, the thief will have no way of knowing the face image of the real cardholder, which can add another layer of security.

In addition, after step S3 is executed, step S32 (not shown) may also be executed. Step S32 is to provide a prompt question and answer selection table for the cardholder to choose for the third time comparison. For example, please refer to Figure 3, which is a schematic diagram of the operating interface of the credit card transaction method created. On the card swiping page, when prompted to turn on the recording function, after step S2 and step S3, step S32 is performed to provide the prompt question and answer selection table, such as asking the cardholder to save the special question and answer when applying for a credit card, or if the password is forgotten Ask a question to reissue the password. In this way, the traditional habits of users can also be taken into consideration.

Step S31 and step S32 can be optionally executed after step S3. Alternatively, step S3, step S31, and step S32 can be performed in sequence. Alternatively, step S3, step S32, and step S31 can be performed in sequence.

Step S4 is to pass the authorization if the comparison is successful, and reject the authorization if the comparison fails. Specifically defined here, the "comparison" in step S4 includes but is not limited to: the comparison in step S3, or the second comparison in step S31, and the third comparison in step S32.

In addition, step S5 can be performed to save the real-time facial video stored in the database only until the legal retention date, or at least after the bank reconciliation and dispute processing time, such as 45 to 180 days, And delete the real-time facial video after the cardholder has paid normally. In this way, while reducing the risk of the card being stolen and swiped, it is possible to prevent the cardholder from denying the transaction and improve the degree of protection of the bank.

Figure 4 is a schematic diagram of the credit card transaction system created. Please refer to Figure 4, a credit card transaction system, including: a credit card swiping device 10 to obtain a credit card information; a camera device 20 connected to the credit card swiping device 10 telecommunications, used to obtain a real-time face of the card holder A video; and an authentication device 30 connected to the credit card swiping device 10 telecommunications signal, used to compare the real-time facial video with a preset facial video of one of the cardholders stored in the database, and pass if the comparison is successful Authorization, if the comparison fails, the authorization is rejected.

The credit card swiping device 10 can be a point-of-sale terminal (POS machine), a radio frequency identification machine (RFID machine), or a network host for online payment. The main function of the credit card swiping device 10 is to obtain credit card information, and to connect with the camera device 20 and the authentication device 30 with electrical signals. An example of an electrical signal can be an electronic signal transmitted through a wired or wireless network. The credit card swiping device 10 can also be connected to a display device 40 with electrical signals, as described in another embodiment later.

The camera device 20 may include a camera device integrated with the credit card swiping device 10, a camera device of a mobile phone, a camera device of a notebook computer, a camera device of a tablet, or a camera device of a personal computer. For example, the user can take the real-time facial image through a camera integrated with the credit card swiping device 10 when swiping a card at the counter POS. The user can also take the real-time facial image through the camera device of the notebook computer, the camera device of the tablet or the camera device of the personal computer when shopping online at home.

The authentication device 30, for example, a host at a bank, can retain the real-time facial video for 45 to 180 days, and delete the real-time facial video after the cardholder normally pays.

Figure 5 is a system diagram of another embodiment of the credit card transaction system created. Please refer to FIG. 5, the credit card transaction system may further include a display device 40, which is connected to the credit card swiping device 10 in telecommunication, to provide a face image selection table for the cardholder to choose for the second comparison . The face image selection table, for example, may be a mixture of the preset face image of the cardholder and the face images of others.

The credit card transaction system and the credit card transaction system can be used in conjunction with each other. For example, the credit card swiping device 10 may perform step S1 to obtain credit card information; the camera device 20 may perform step S2 to obtain a real-time facial video of one of the cardholders; and the authentication device 30 may Steps S3 and S4 are executed to compare the real-time facial video with the preset facial video of one of the cardholders stored in the database. If the comparison is successful, the authorization is passed, and if the comparison fails, the authorization is rejected.

In addition, the authentication device 30 may also perform step S31 to provide a face image selection table for the cardholder to select for the second comparison. At this time, the display device 40 can be used to provide a face image selection table for the cardholder to select for the second comparison.

In addition, the authentication device 30 can also perform step S32 to provide a prompt question and answer selection table for the cardholder to choose for the third time comparison.

Furthermore, the authentication device 30 can also perform step S5 to retain the real-time facial video for 45 to 180 days, and delete the real-time facial video after the cardholder has paid normally.

This creation has been disclosed using the above preferred embodiments, but it is not intended to limit this creation. Those with general knowledge in the technical field to which this creation belongs should clearly understand that this creation is not limited to the details of the above illustrative implementation methods. This creation can be implemented in other specific forms without departing from the basic spirit of this creation. The implementation methods are only illustrative. This creation does not limit this creation. This creation is based on the scope of the patent application, not on the basis of the above description. The meaning of the scope of the patent application and all variants in the equal scope belong to the scope of this creation.

10: Credit card swiping device 20: Camera 30: authentication device 40: imaging device

The implementation of this creation will be described in the following brief description combined with the diagrams: Figure 1 is the implementation flow chart of the credit card transaction method creation; Figure 2 is an implementation flowchart of another embodiment of a credit card transaction method; Figure 3 is a schematic diagram of the operating interface of the credit card transaction method created; Figure 4 is a schematic diagram of the credit card transaction system created; Figure 5 is a system diagram of another embodiment of the credit card transaction system created.

10: Credit card swiping device

20: Camera

30: authentication device

Claims (7)

A credit card transaction system, including: A credit card swiping device (10) for obtaining a credit card information; A camera device (20) connected to the credit card swiping device (10) with the telecommunications signal, used to record a real-time facial video of one of the cardholders for the first comparison, the real-time facial video is 15-20 Instant swiping video in seconds, allowing a database to perform a series of comparisons; A display device (40) connected to the credit card swiping device (10) with a telecommunications signal to provide a face image selection table for the cardholder to select for the second comparison, wherein the face image selection Table, mixed with the preset facial image of the cardholder and the facial image of others; and An authentication device (30) is connected to the credit card swiping device (10) with a telecommunications signal to compare the real-time facial video with the preset facial video of one of the cardholders stored in the database. If it is compared for the first time And the second comparison is successful, the authorization is passed, and if the comparison fails, the authorization is rejected. The credit card transaction system according to claim 1, wherein the camera device includes a camera device integrated with a credit card swiping device, a camera device of a mobile phone, a camera device of a notebook computer, a camera device of a tablet, or a camera device of a personal computer. The credit card transaction system described in claim 1 further includes a display device connected to the credit card swiping device telecommunications signal to provide a prompt question and answer selection table for the cardholder to choose for the third comparison. The credit card transaction system according to claim 1, wherein the authentication device retains the real-time facial video for 45 to 180 days, and deletes the real-time facial video after the cardholder makes a normal payment. The credit card transaction system of claim 1, wherein the credit card transaction system is used to perform a comparison step, and the comparison step includes: Obtain a credit card information; The video obtains the real-time facial video of one of the cardholders. The real-time facial video is 15 to 20 seconds of real-time swiping video, allowing a database to perform a series of comparisons; Compare the real-time facial video with the preset facial video of one of the cardholders stored in the database for the first comparison; Provide a face image selection table for the cardholder to choose for the second comparison. The face image selection table is mixed with the cardholder’s preset facial image and other facial images; and If the first comparison and the second comparison are successful, the authorization is passed, and if the comparison fails, the authorization is rejected. The credit card transaction system according to claim 5, wherein the comparison step further includes providing a prompt question-and-answer selection table for the cardholder to choose for the third comparison. The credit card transaction system according to claim 5, wherein the comparison step further includes: saving the real-time facial video for 45 to 180 days, and deleting the real-time facial video after the cardholder makes a normal payment.

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