Encrypted storage method of bank card information and encrypted storage system thereof

Abstract

The invention provides an encrypted storage method of bank card information and an encrypted storage system thereof. The system comprises: a terminal, which is used for initiating an encryption request and storing encrypted bank card information; a card reader, which is connected with the terminal and is used for reading magnetic track information of the bank card; a hardware encryption device, which is used for carrying out coding on the bank card information; and a third party service platform, which is used for reading the device number of the terminal, submitting the bank card information that applies for encryption to the hardware encryption device and carrying out association on the encrypted bank card information and the terminal device number and returning the information to the terminal. Therefore, according to the invention, a mobile phone user is helped to realize hardware encryption on the bank card information with low price, and a professional AES standard of over 256 bits is reached. Meanwhile, when the user carries out secondary payment, it is only needed to directly invoke the bank card information and there is no need to use a card reader or the bank card again. Therefore, payment experience and security of the user can be substantially enhanced.

Description

technical field [0001] The invention relates to a method for encrypting and storing bank card information, in particular to a method for encrypting and storing bank card information using a mobile phone as a carrier. Background technique [0002] With the development of mobile payment, various payment methods involving bank card information have appeared, such as cardless payment by entering credit card information on a mobile phone, and traditional online banking payment, etc., all need to submit the cardholder's bank card information and personal information. [0003] For mobile phones, the openness of wireless transmission greatly increases the possibility of data leakage. Consumer groups who use mobile phones for payment also have great concerns, which indirectly affects the expansion of e-commerce in mobile channels. [0004] Among the traditional information encryption methods, hard encryption (such as laser encryption, etc.) equipment has the advantages of high secur...

AI Technical Summary

Problems solved by technology

[0003] For mobile phones, the openness of wireless transmission greatly increases the possibility of data leakage. Consumers who use mobile phones for payment also have great concerns, which indirectly affects the expansion of e-commerce in mobile channels.

[0004] Among the traditional information encryption methods, hard encryption (such as laser encryption, etc.) equipment has the advantages of high security and has always been a high-level information encryption method. However, due to the high cost of hardware encryption equipment, it is difficult to popularize it to individual users. used by users

Although the existing hardware encryption has relatively high security strength, it also has many disadvantages: 1. The existence of hardware brings the cost of production, initialization, logistics, installation and maintenance; 2. Electronic distribution on the Internet cannot be realized; 3. Installation of drivers and client components and additional hardware devices affect customer experience; 4. Difficulty in upgrading, tracking and after-sales management

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