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Safe network trading method

A transaction method and network security technology, applied in business, instruments, data processing applications, etc., can solve the problems of personal data and credit card data theft, fraud, affecting the normal development of e-commerce, etc., to ensure authenticity and integrity, The effect of expanding the marketing reach

Inactive Publication Date: 2008-09-24
曲永皓
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, with the emergence of online fraud cases, consumers are deeply afraid that their personal information and credit card information will be stolen or swiped during online transactions, which will affect the normal development of e-commerce.

Method used

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Embodiment Construction

[0038] In order to further illustrate the technical means and effects adopted by the present invention to achieve the predetermined purpose of the invention, the specific implementation of the network security transaction method proposed by the present invention is described in detail below with reference to the accompanying drawings and preferred embodiments.

[0039] The method of the present invention uses a credit card with a one-time password function, such as an EMV CAP ENABLE standard credit card, as the authentication basis to form a secure transaction method. It is worth noting that other bank financial cards and credit cards with a one-time password mechanism , a charge card, a prepaid card, and a mobile phone SIM card can also be used in the present invention, wherein the mobile phone SIM card can use the communication equipment of the SIM card as a unique password generator. Hereinafter, the present invention will be described by taking an EMV CAP ENABLE standard cr...

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Abstract

The invention provides a network safe transaction method which at least includes: a credit card which is used for generating a onetime password, wherein the credit card is provided with a wafer that can at least execute the operations of storing data, processing data, encrypting and decrypting; and then whether the onetime password is right is determined, and if the onetime password is right, the network is allowed to be logged in. When the online transaction is implemented on a website, the credit card which behaves as an entity identity for the bank login is used as the transaction object by the website. The network safe transaction method of the invention can improve the safety of the online transaction.

Description

technical field [0001] The invention relates to a secure transaction method, in particular to a secure transaction method applied to the network. Background technique [0002] Since e-commerce transactions are not negotiated face-to-face as in the past, in order to prove the authenticity of the trader and ensure the safety of the transaction, personal identity authentication will be carried out before the transaction, and then the follow-up transaction process will be carried out after confirmation, such as , enter a credit card number, etc. [0003] However, with the continuous emergence of online fraud cases, consumers are deeply afraid that their personal information and credit card information will be stolen or stolen in online transactions, which will affect the normal development of e-commerce. [0004] Therefore, how to improve the security of network transactions without changing the traditional transaction mode has become the pursuit goal. SUMMARY OF THE INVENTIO...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/00
Inventor 曲永皓
Owner 曲永皓