Method and device for generating dynamic credit card security code, bank card

Abstract

The present invention provides a method for generating a dynamic credit card security code, the method comprising: obtaining a dynamic data element, replacing a part of the primary account number PAN of the credit card with the dynamic data element, thereby generating an updated primary account number PAN; The updated primary account PAN is encrypted to obtain a first data block; and the dynamic credit card security code is generated based on the first data block. The invention also provides a device for generating a dynamic credit card security code, a bank card and an authentication method executed by an authentication server of a card issuing bank. The generation algorithm of the invention has few calculation links and good randomness of calculation results.

Description

technical field [0001] The invention relates to the field of financial payment, in particular to a method and device for generating a dynamic credit card security code, a bank card and an authentication method. Background technique [0002] Credit Security Number (CVN2), which is a 3-digit number on the credit card. The generation method is that the bank extracts the card account number, validity period, and service code, arranges them, and then obtains them through a series of complex algorithms. After this set of numbers is generated, only the issuing bank and the holder of the bank card know what the number is. The credit card security code is equivalent to the ID card of the credit card, and consumers can use this code to carry out consumption transactions. Because the existing credit security codes are all flat printed on the last 4 digits of the card number on the signature column on the back of the credit card, criminals can easily embezzle the user's credit securit...

AI Technical Summary

Problems solved by technology

Since the existing credit security codes are flat printed on the last 4 digits of the card number on the signature column on the back of the credit card, it is easy for criminals to steal the user's credit security code, resulting in the user's credit card being swiped, and the security is poor

[0003] In order to solve the above problems, VISA proposed a dynamic CVN2 scheme based on variable time, which solved the problem of poor transaction security to a certain extent.

However, in the existing solutions, the DES / 3DES generation algorithm is usually used to generate the dynamic credit security code, and the calculation links are many and complicated.

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