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A blockchain-based anti-theft method for credit cards

A credit card and blockchain technology, applied in the field of bank card security, can solve problems such as low rate of complaint resolution, low rate of resolution of fraudulent complaints, unsatisfactory reporting of fraudulent incidents, etc., to achieve the effect of preventing fraudulent transactions

Active Publication Date: 2020-11-20
FUDAN UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Based on the statistics of complaints, the resolution rate of fraudulent fraudulent complaints is extremely low, not only the low rate of resolution of complaints by banks, but also the unsatisfactory reporting of fraudulent fraudulent transactions

Method used

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  • A blockchain-based anti-theft method for credit cards

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Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0028] The block chain-based credit card anti-theft swiping method of the present invention will be further described in detail below in conjunction with the accompanying drawings and specific examples, but the detailed description does not constitute a limitation of the present invention.

[0029] figure 1 Showed the operation process of the credit card anti-theft brushing system based on block chain according to the present invention, such as figure 1 As shown, the credit card anti-theft brushing system based on blockchain; includes the following steps:

[0030] (1) The credit card issuer establishes an initial block;

[0031] (2) The credit card issuer generates a pair of public and private keys for each credit card through the RSA algorithm and sends it to the cardholder. Each credit card has a unique id number, and the cardholder needs to keep the private key;

[0032] (3) The cardholder uses the credit card for consumption, and each transaction record is broadcast thro...

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PUM

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Abstract

The invention belongs to the technical field of bank card security, and particularly relates to a block chain-based method for preventing unauthorized use of a credit card. The method comprises the steps of recording all transaction records by using a block chain, and establishing an original block by a credit card issuer, namely, a bank; marking a pair of unique public and private keys for each credit card by the issuer, and issuing the credit card to a card holder, wherein each public key marks the unique credit card, and the card holder can modify the private key; broadcasting each consumption transaction record to a whole network firstly; and when the legal consumption records are broadcast to the whole network, if the card holder has no objection to the consumption records, writing the consumption records in the block chain, and triggering a smart contract to perform transfer to a seller. Each consumption record in the block chain can be ensured to be the consumption record of the card holder and not to be the illegal consumption record; and data in the block chain is not tampered artificially, so that the unauthorized use of the credit card can be effectively prevented.

Description

technical field [0001] The invention belongs to the technical field of bank card security, and in particular relates to a bank card anti-theft swiping method. Background technique [0002] According to the "2016 Domestic Bank Card Fraudulent Big Data Report", in 2016, there were 7,095 bank card fraudulent transactions on the entire network, causing a total of 183 million yuan in customer losses. [0003] According to the statistics of 2,362 fraudulent fraudulent fraudulent fraud complaints, 65% of fraudulent fraudulent fraud channels are fast payment, and 23% are online banking payment. 97% of the fast payment fraudulent transactions are through third-party payment. Among them, Alipay involved the most complaints about bank card fraud, with a total of 562 complaints throughout the year, ranking first in the industry, followed by JD Wallet with 278 complaints, and Tenpay (including WeChat Pay) ranked third with 245 complaints. [0004] Among all the complaints, ICBC had 1,9...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/38G06Q20/40G06Q20/10
CPCG06Q20/10G06Q20/3829G06Q20/401G06Q20/409
Inventor 阚海斌张思贤文捷刘百祥向望李雪峰赵敬宋文鹏
Owner FUDAN UNIV