Dynamic safety code authentication method and intelligent card device thereof

Abstract

The invention discloses a dynamic safety code authentication method and an intelligent card device of the dynamic safety code authentication method. The dynamic safety code authentication method includes the following steps: using dynamic numeral value additional calculation to produce a dynamic safety code at an authentication end, approving and issuing the intelligent card device capable of generating the same dynamic safety code for customers, when the customers need to authenticate the safety code during shopping, calculating the generated dynamic safety code through a start button which drives the intelligent card device, displaying the calculated dynamic safety code on a display screen of the intelligent card device, providing the customers with the dynamic safety code capable of being calculated with the authentication end through a telephone or a network during entity shopping or online shopping to confirm that the customers are card holders. The dynamic safety code authentication method and the intelligent card device of the dynamic safety code authentication method can enable the safety code to be changed from a fixed value to a dynamic value which is displayed in a dynamic mode whenever the customers authenticate, enable the dynamic safety code generated from drive calculations of each consumption behavior to be different due to dynamic numeral value addition, prevent consumer benefits from being damaged due to the fact that a credit card is stolen easily and misused or swiped in an unauthorized mode and effectively improve safety of usage of the credit card.

Description

technical field [0001] The invention relates to a dynamic security code authentication method and a smart card device thereof. The authentication terminal uses dynamic numerical additional calculation to generate a dynamic security code, and issues it to consumers, a smart card device capable of generating the same dynamic security code. When the consumer needs to perform security code authentication when consuming, the dynamic security code generated by driving the smart card device calculation is checked with the dynamic security code calculated by the authentication terminal, and the dynamic security code generated by the driving calculation with the consumer at each consumption behavior authentication terminal It will be different due to the addition of dynamic values, so as to avoid credit card data from being stolen and improperly used or stolen from endangering the interests of consumers, and effectively improving the security of consumers using credit cards. Backgroun...

AI Technical Summary

Problems solved by technology

[0005] The above-mentioned card authentication value (CVV2) or identification number (CIN) mainly uses the cardholder's personal data and bank data to calculate a fixed value (usually 3 sets of digital codes) through an algorithm. In order to facilitate consumer authentication, most It is printed on the back of the credit card. Once the credit card is stolen or skimmed and the criminal group knows the data on the credit card and the card authentication value, the criminal group can use it to counterfeit the credit card or carry out fraudulent swiping. When the situation occurs, because the card verification value presents correct information during bank verification, the bank is not easy to detect it at the first time, and it will also determine that it is a correct transaction. On the contrary, the card verification value or identification number that originally provided transaction security becomes changed. The loopholes in transactions have also led to frequent crimes of credit card fraud, which have repeatedly endangered the rights and interests of consumers, and it is not easy to prove whether fraudulent transactions have been committed and data has been changed. This is a situation that consumers do not want to see. The problem has always formed an important deficiency that needs to be solved in the industry or practical application and needs to be improved

[0006] The main reason is that the above-mentioned card authentication value or identification number is calculated and recorded on the credit card when the bank issues the credit card, and after the card authentication value is generated, the card authentication value is fixed because the algorithm and data remain unchanged. Once the card authentication value is generated, it will not be changed arbitrarily. Therefore, when the credit card is stolen, the card number and card authentication value are easily used by criminal groups, which will cause unpredictable damage to consumers. This is what the industry is eager to solve. one of the important subjects of

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