Full dynamic digital electronic payment transaction identity authentication method with high security

Abstract

The invention discloses a full dynamic digital electronic payment transaction identity authentication method with high security. A card holder applies to set a chip financial card to a card issuing agency, and a calculation formula recognized by the card issuing agency is internally established in the chip of the chip financial card. When the chip financial card is used to carry out financial transaction, a financial transaction system put the receivable account and the payment amount of a current financial transaction behavior, the identification serial number of the current financial transaction behavior and the ID card number of a chip financial card holder into the calculation formula, then the corresponding value generated through calculation is combined with at least one group of invisible digits inputted by the card holder in consumption, a group of dynamic combined codes formed by converting the receivable account and the payment amount of a current financial transaction behavior, the consumption amount and other information data is obtained and transmitted, the dynamic combined codes are used as the basis of identifying the card holder by the card issuing structure, and the leakage and crack of the personal data of the card holder are effectively prevented, and the risk of the replication and fraudulent use of the personal data of the card holder is reduced.

Description

technical field [0001] The present invention relates to an electronic financial transaction payment technology, in particular to a technology that does not need to display personal data and account numbers at all, but can accurately display the correct identity of the cardholder, the amount of payment and the identity of the payee, effectively preventing the cardholder from personally The information is leaked, cracked, and the cardholder's personal information and account number are reduced. A high-security full-dynamic digital electronic payment transaction identity authentication method that is copied or used fraudulently. Background technique [0002] With the advancement of science and technology, the high development of e-commerce and communication technology has changed people's lifestyle transactions. Therefore, some financial industry companies promote the consumption pattern of credit cards. Consumers do not need to carry cash when shopping, just take out the credit...

AI Technical Summary

Problems solved by technology

[0005] However, due to the confirmation of the identity and amount of the payer or payee in the current financial settlement behavior, personal information is generally used for confirmation after transmission, resulting in personal data being copied, stolen, or fraudulently using other people's personal data to apply for Credit card, which in turn causes a lot of trouble and huge money loss; therefore, how to design a reliable and suitable financial transaction settlement method for the public, in the financial settlement behavior, reduce the risk of the payer's personal information being stolen or fraudulently used, has become an important topic nowadays

[0006] In view of this, the inventor of the present invention aimed at many shortcomings and inconveniences caused by the imperfection of the above-mentioned electronic payment transaction identity authentication method, and deeply conceived, and actively researched and improved the trial to develop and design this case

Images