公开(公告)号：US20120011011A1

公开(公告)日：2012-01-12

申请号：US13179822

申请日：2011-07-11

申请人： William Jennings STEVISON

发明人： William Jennings STEVISON

IPC分类号： G06Q20/00

CPC分类号： G06Q20/409 ,  G06Q20/20 ,  G06Q20/204

摘要： A method and system for detecting and preventing the fraudulent use of credit/debit cards. A number, referred to as a pre-stored Card Identity Key, is typically four or five digits in length, and the final two digits of this number are variable according to a formula which is applied at the time of the attempted transaction. The pre-stored CIK is created by the credit card owner or issued by the card-issuing financial institution, and is maintained in the card-issuing financial institution's computer database and used along with a software routine for validation. The software routine used for validation employs the formula, which is typically created and memorized by the card owner, to generate a dynamic Card Identity Key from the pre-stored Card Identity Key. The dynamic Card Identity Key must be entered by the card holder/user at a merchant terminal for validation of the transaction. Typically the internal time and/or date are displayed on the screen at the merchant terminal at the time the user's credit card is swiped, and at least a portion of the time and/or date shown is utilized in the formula to generate the dynamic Card Identity Key.

摘要翻译： 用于检测和防止信用卡/借记卡的欺诈性使用的方法和系统。 被称为预先存储的卡身份密钥的号码通常长度为四位或五位，该号码的最后两位数字根据在尝试交易时应用的公式是可变的。 预存的CIK由信用卡所有者创建或由发卡金融机构发行，并保存在发卡金融机构的计算机数据库中，并与软件程序一起使用以进行验证。 用于验证的软件程序使用通常由卡所有者创建和存储的公式，以从预先存储的卡身份密钥中生成动态卡标识密钥。 动态卡片身份密钥必须由卡持有人/用户在商家终端输入以验证交易。 通常，内部时间和/或日期在用户的信用卡被刷新时在商业终端的屏幕上显示，并且在该公式中使用所示时间和/或日期的至少一部分来生成动态卡 身份密钥。