Chip credit card network transaction system and method

Abstract

The invention provides a network exchanging system and a method of chip credit card, when the chip credit card is inserted into a card reader, the card reader transfers a control signal to a computer, after a controlling and managing module for exchanging executed on the computer detects the control signal transferred from the card reader, the identification data on the chip credit card can be read through the card reader so as to identify the type of the chip credit card, after the database is compared, a card number, an expiry date and a data required for the network exchanging can be acquired from the chip credit card, the controlling and managing module for exchanging can be automatically filled into a credit card data column on the exchanging web page by an encrypting method so as to complete the exchanging operation of the credit card. User does not have to type the card number and other confidential data on the exchanging web page to avoid a Trojan program from recording such as keyboard recording and image recording as well as to prevent the credit card data from leaking.

Description

technical field [0001] The invention provides a chip credit card network transaction system and method, in particular to a chip credit card that can obtain the data required for network credit card transactions such as the card number and card expiration date, and automatically fill in the transaction webpage in an encrypted manner to avoid Trojan horse programs. A system and method for stealing credit card data by recording methods such as keylogging and image recording. Background technique [0002] Although the traditionally used magnetic stripe financial cards or credit cards are low in cost and relatively mature in technology, in order to prevent them from being recorded and illegally copied during use, the current magnetic stripe financial cards or credit cards have been gradually replaced by chip card types. Debit or credit card replaced. [0003] The first major feature of the chip card is the password offline verification. The chip card stores the password in the ...

AI Technical Summary

Problems solved by technology

[0004] However, although chip credit cards have a security that is difficult to replicate, the currently known online credit card transaction services still require the cardholder to key in the data required for online transactions such as the card number and card expiry date on the transaction webpage before the credit card transaction can be performed.

[0005] Therefore, if there is a Trojan horse program in the computer used by the cardholder, the data required for network transactions such as the above-mentioned card number and the valid date of the card may be recorded, so that the credit card data is still easy to be stolen and forged, causing personal, Losses to online merchants and financial institutions

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