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Method for confirming transaction by user
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A user and transaction technology, applied in data processing applications, instruments, payment architecture, etc., can solve the problem of lack of user confirmation of the transaction process, and achieve the effect of improving security
Inactive Publication Date: 2016-04-06
AITIWEIER ELECTRONICS TECH BEIJING
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[0004] However, with the promotion of convenient payment rules / methods, there are often ways to complete transactions without using passwords. Compared with the transaction methods using passwords, this transaction method has strong convenience, but due to the lack of user The confirmation process of the transaction, therefore, there is a greater security risk
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specific Embodiment 1
[0077] The embodiment of the present invention provides a smart card with a confirmation button, based on the existing transaction system, to complete the method for confirming the transaction process of swiping the card. In this embodiment, the transaction terminal device is a POS machine (PointofSale), such as figure 2 As shown, the method includes the following steps:
[0078] 101: the transaction terminal device (POS machine), initiates a payment transaction that needs to be confirmed;
[0079] 102: The POS machine displays the amount and waits for the user to swipe the card;
[0080] 103: The user sees the amount and agrees to the transaction, then presses the confirmation button on the smart card, and puts the card close to the POS machine to swipe the card;
[0081] 104: The smart card communicates with the POS machine to exchange transaction data;
[0082] 105: The smart card determines that the transaction needs to be confirmed according to the transaction amount, ...
specific Embodiment 2
[0084] The embodiment of the present invention provides a smart card with a confirmation button, based on the current transaction system, in the process of swiping the card transaction, the method for refusing the transaction. In this example, the transaction terminal device is a POS machine, such as image 3 shown, including the following steps:
[0085] 201: The transaction terminal device (POS machine), initiates a payment transaction that needs to be confirmed;
[0086] 202: The POS machine displays the amount and waits for the user to swipe the card;
[0087] 203: The user sees the amount, but disagrees with the transaction / or does not see the amount, does not press the confirm button, and puts the card close to the POS machine, or is passively held close to the card by the POS machine, and swipes the card;
[0088] 204: The smart card communicates with the POS machine to exchange transaction data;
[0089] 205: The smart card determines that the transaction needs to be...
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Abstract
The invention, which belongs to the technical field of security usage of an intelligent card, discloses a method for confirming transaction by a user. After an intelligent card receives transaction information, whether the user needs to carry out confirmation operation is determined instead of generating response data directly; and if so, the user carries out confirmation operation at an intelligent card side and then the intelligent card generates response data. Therefore, according to the embodiment of the invention, the confirmation operation by the user is added at the intelligent card side, so that the user completes transaction control while carrying out card-swiping-based transaction by using the intelligent card, thereby avoiding occurrence of a cheated card swiping behavior due to no card. Moreover, compared with security measures like password setting, the confirmation operation is carried out directly at the intelligent card side by the user, so that the security of card-swiping-based transaction by the intelligent card is improved.
Description
technical field [0001] The invention relates to the technical field of smart card use security, in particular to a method for a user to confirm a transaction. Background technique [0002] Financial smart cards have replaced magnetic stripe cards and become the mainstream of card issuance in the banking industry. In the near future, smart card swiping transactions will become popular. In the process of using smart cards for financial transactions, the security of transactions is an important factor to protect the rights and interests of users. Therefore, the use security of smart cards is very important. [0003] At present, in card swiping transactions, users are generally required to set account numbers and passwords, and the security of transactions is ensured by entering passwords and the like during transactions. [0004] However, with the promotion of convenient payment rules / methods, there are often ways to complete transactions without using passwords. Compared with...
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