Method and system for encrypting transfer that the transfer code adding the user-defined arithmetic equal to the bank password

Abstract

A method and system for user securely payment using the bank card by telecommunicating manner, includes: transferring method and system for encrypting the bank password using the user-defined arithmetA method and system for user securely payment using the bank card by telecommunicating manner, includes: transferring method and system for encrypting the bank password using the user-defined arithmetic, the user can change the encrypted bank password of the user-defined arithmetic to create the transferring code at any time, and send it to DNA system (1) using his handset (3), and DNA system (1)ic, the user can change the encrypted bank password of the user-defined arithmetic to create the transferring code at any time, and send it to DNA system (1) using his handset (3), and DNA system (1)decrypts the bank password, then transfers the decrypted bank password to the bank computer center (2), in order to implement the bank card (4) payment on the POS machine (5), and / or Internet shoppingdecrypts the bank password, then transfers the decrypted bank password to the bank computer center (2), in order to implement the bank card (4) payment on the POS machine (5), and / or Internet shopping payment using the networking device (6) through the shopping sites (7), since the user-defined arithmetic is determined by user-self and modified at any time, therefore the created transferring codepayment using the networking device (6) through the shopping sites (7), since the user-defined arithmetic is determined by user-self and modified at any time, therefore the created transferring codeis very reliable, it would not be used even if pilfered, the user may not beget the loss, DNA system of the present invention unlocks the user bank account in advance, and sets the payment upper limitis very reliable, it would not be used even if pilfered, the user may not beget the loss, DNA system of the present invention unlocks the user bank account in advance, and sets the payment upper limit every time, so as to insure the security for various payment.every time, so as to insure the security for various payment.

Description

【Technical field】 [0001] The present invention relates to the technical field of secure transmission and communication of information, in particular to a method and system for confidential transmission of bank passwords when customers of financial institutions, including mainly banks and bank card issuers, use cards for payment, transfer, withdrawal, etc. 【Background technique】 [0002] At present, general bank cards, such as debit cards, cash cards, credit cards, etc., usually use 6-digit PINs, which are mainly used for ATM withdrawals at automatic teller machines, debit card consumption payments and other purposes. If the password is stolen, the money in the account may be transferred away by someone, so the password is very important, but generally when paying with a card, the card owner often needs to enter the password on the POS (point of sales) machine , when the card owner is entering the password, it is easy for the gangster to secretly take pictures of the password...

AI Technical Summary

Problems solved by technology

If the password is stolen, the money in the account may be transferred away by someone, so the password is very important, but generally when paying with a card, the card owner often needs to enter the password on the POS (point of sales) machine , when the card owner is entering the password, it is easy for the gangster to secretly take pictures of the password and bank card number entered by the card owner with a mobile phone with a camera function. With the card number and password, the criminal can easily steal the bank account of the card owner money inside

[0003] Therefore, adopt dynamic password, the method and corresponding system of random password transmission bank password also arise at the historic moment, make the confidentiality of password transmission greatly strengthen, some methods and systems at present, some are comparatively complicated, are not easy to apply, and some still have Omissions still give criminals an opportunity

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