TW440800B - Credit card system and method - Google Patents

Abstract

A credit card system is provided which has the added feature of providing additional limited-use credit card numbers and/or cards. These numbers and/or cards can be used for a single transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to ""card remote"" transactions such as by phone or Internet. Additionally, when a single use credit card is used for ""card present"" transactions, so called ""skimming"" fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques.

Description

" 44 〇8 0 0 -------------- V. Description of the invention (1) Background of the invention 1. Field of the invention The present invention relates to a credit card system and method. 2 2ll a Pay no attention to a credit card method that can reduce the possibility of misuse of credit card numbers. 2. Related Skills The development of retail e-commerce is slowing down, although the demand for this kind of $ e is known. Regarding the expansion of retail e-commerce, the most attractive obstacle is the potential fraud. This potential explosion is the most important consideration for card companies and financial institutions, and it is also a major concern for customers and suppliers of goods and services. The former's consideration of fraud is because the financial elder sister Yu'e Institution must bear the initial cost of fraud. In addition, the credit card company e 丄 丹 有 ~ an efficient card system, which can be used for face-to-face transactions ^ ^ "Good", that is, in the "* " show credit card" transaction, the credit card is actually presented to the payment ^ Before, and the trader can obtain the credit card number 'is accepted by the user ’s signature and in most cases can also be compared with the photo. Card cut comparison must pay. However, other individuals test the latter's consideration of fraud because the customer must ultimately However, the use of 'credit card' for consumers of credit cards is somewhat special because it is sometimes obvious when a credit card number is misappropriated by a second party. Because the credit card may still be in the hands of the consumer. When this happens, the consumer must prove to the credit card provider Misappropriation.

Phase j t I

Another consideration is the overcharging of credit cards. For users of high-value credit cards, ’440800

5. Description of the invention (2) When fraud occurs, it may take a long time to be discovered. I_, extraction (skimnung Guang's special form of fraud is particularly difficult to plant. When credit card holders provide cards to others for transactions, they are: copied from the card in electronic or physical form. This may be a special problem for tourists. In particular, during a card tour, the stolen fake credit card may appear elsewhere, and J is longer: it was only discovered. For the name of the credit card, the main card newsletter, In order to check; this method has its own information to misappropriate the letter. This type of theft is not only any major issue that can be illegally performed, but also credit behavior or romised numbers.) Dishonest employees can use credit card numbers. . It is well known that holders who use a 'credit card' must provide their details, expiration date and address, as well as the storage and updating of many other information is expensive but necessary. All risks, because everyone knows that they can use the card holder's account number to get goods or services. It is restricted to those who are legally informed of this information, even those who have obtained it. Such a party card may still be in the hands of a legitimate holder, but the theft is often referred to as a "leak number" (comm P_ 'fraud. In fact, only one such fraud is needed to achieve, for example, a store , Restaurant or restaurant, the code is recorded. This is different from the theft of credit cards when the current solution to the loss of credit card fraud 'or elaborate verification system j, which caused the inquiries of the card company to inquire β Xu 丨 inquiries, There is no doubt that the decisive measure can only be used when the credit card reports 丨 'by changing the card usage mode. Many users have received abnormal use of the card by the credit card company, |

44 08 0 0 V. Description of the invention i 3) One one ~~ one '------ Or it seems unusual by the organization of the verification service. As a result, there are many technologies developed to overcome credit card fraud, including the general use of credit cards and specifically about remote use

question. V "CTJ One of these technologies is to provide smart credit cards. This kind of card is embedded with electronic circuits that can store information or perform calculations. 4 Often, the security of a credit card can be systematically generated by using certain encryption systems. About A typical example of this type of smart credit card is described in Zeuli number 5, 3 1 7, 636 (Vizcaino). Another technology of the six countries is the Secure Electronic Transaction (SET) agreement, which represents the leading computer The company and the credit card industry are engaged in the electronic transmission of credit card details. This agreement provides-encryption of credit card details = verification of participants in electronic transactions. And another method specifically related to the Internet is described in US 5,715,314 (Payne et al.). U.S. Patent Nos. 5,7i5 and 3i4 ^ make two-to-one access message, which contains the product serial number and access code verification code of the password key station. The purchaser's computer sends a ^ (payment) message to a payment computer, indicating a particular item. The payment computer is programmed to receive this payment message 'to generate a message and send it to a merchant computer. Because the message is connected to a certain product and a specific sales computer ^ 440B00 V. Description of the invention (4) Not applicable to telephone / mail order orderers, some special electronic transactions, and other traditional credit card transactions 3 Fr ^ e , As well as "First", such as "Cyber ash", "Check's system have some known problems. Unfortunately, these have been suggested = someone tried to crack. This form; blindly, the precedent of any reliable form of encryption can inevitably cause people to worry about paying for it. ^ Obtaining extremely confidential information from the government. One problem is the reliability of the most dense system of some encryption systems. Moreover, another need is not the easy-to-obtain form of the king, because the application of government and other security systems on the Internet is to limit the use of electronic trading systems and security by the three-dimensional ancient phase Luogu niii ~ how useful. Although e-commerce A has been tolerated as the leading AL ^ ^ field with the risk of Aida, it is actually not the case. There are many other ways that IL has been used. In addition, the use of 铍 α and $ beryllium has made the transaction of "show card" more attractive. For credit card holders. Credit cards of this kind of system can only be used—times ’which also records a variety of information, such as .., w w ΊΤ, slave / entry 'credits. These information are the same as those on the original credit card and are recorded in

Zhu Zhu '…, v m are the same on Bu, and are recorded in the —data element, and displayed on the surface of this credit card. This single-time credit card contains the same membership number 'use period' card issuer number and the same information as the existing credit card 'if the single use credit card's use period cannot exceed the credit card's use period' the same credit limit is available. This single-use card uses some of the same methods as traditional credit cards. However, this department 2 also needs to record the usage permission information on the credit card. This information only allows this credit card to be used once 'or makes it impossible to use it when it exceeds the credit limit. —Special card terminal equipment installation check the use of information obtained from the card DH w & specific personal information, conditions of use, and an approved letter and original credit Lk. _ — _, _ ^ ^ ..

\ PA * B〇6〇ptl1 Page 8 V. Description of the invention (5) Correctness and when the card is not allowed to be used ', the information about the use permission is transmitted to the credit card issuer. The permission information is recorded by punching on the card. This system has a significant disadvantage 'e.g.' the card terminal must be modified to add additional features (such as' punch, detect punch, notify additional information, etc. ') and' this system provides minimal additional security Sexuality, so that fraud can still occur ', for example, by covering the hole on the card or replacing the license information on the credit card. Furthermore, if such a system is adopted, all credit card terminal equipment may need to be modified. Patent numbers 5, 627, 355 and 5, 478, 994 (Rahman et al.) Describe another form of system 'using multiple user identification codes, added to a credit card number and displayed on an electronic display ° US patent number 5, 627, 355 i describes a credit card with a memory element that contains a set of codes arranged in a pre-ordered order. These passwords are the same as those stored on the host's control computer's memory; another row of passwords is recorded. Also, the credit card includes a first fixed field, which contains an account number (e.g., " 444 222 3331 ·). Every time a credit card is used, the memory device of the credit card provides a unique password in the sequence. This verification method is to compare the account number with the credit card device every time the password provided is used against the next number in the account number and sequence recorded on the host computer. The host computer disables the password after the transaction. The disadvantage of this system is that it requires a power source, display, memory device, sound generator, and it must reuse a limited sequence of user identification codes. This system: It is not easy to apply to existing credit card transactions, because there is no check to provide card numbers.

I checksum capability and cannot be read by standard card readers.丨

A: \ PA-B060.ptd Page 9 4 d 〇3 0 〇 一一 ___________________ V. Description of the Invention (6) Moreover, if the card is lost or stolen, it is 'difficult to prevent misappropriation by others' unless it has been taken by the real holder Declaration is missing. See also U.S. Patent No. 5,606, 614 (Brady, etc.) ° Other methods have also tried to limit the fund to personal use ’but also limited. For example, U.S. Patent Nos. 5, 3 50, 90 6 (Brody, etc.) and 5, 3 2 6, 9 6 0 (Tannenbaum, etc.) describe the provision of a temporary user identification code to an account by an ATM (Automated Teller Machine), Only for one use or for a limited time. These patents describe a cash transfer system and method for an ATM network. In this system, a main account owner (sponsor) sets a sub-account. A non-user can use this sub-account by presenting a fixed limit card belonging to the sub-account and entering a corresponding password. — — Once the fixed limit is reached, the card can no longer be used. Information about sponsored accounts is contained on the magnetic stripe of fixed-limit cards. The problem with all these systems is that there are many competing technologies and therefore multiple incompatible formats' are an obstacle for traders and consumers. Similarly, many of these systems need to modify the currently used technology, which will require considerable investment and limit the system's adoption. Purpose and Summary of the Invention There have been many proposed solutions to the security issues of credit card transactions | ° However, there is no one that allows the use of existing credit cards and existing credits: t-z-Bahe terminal equipment. Ideally, for the current inventor, m2. ≫ Jl hu Erlei is best to get the function of a credit card, but the letter is not actually revealed: BJ -J? · J #, say code. Unfortunately, the only party that can guarantee that the main credit card number is not stolen 丨 a u &! Ren Ye never transmits the main credit card number through any path, 丨

Page 10 V. Description of the invention (7) A --------- For example, telephone, mail ‘Internet’, or even print out the main card in the transaction process, using the card number, such as the current method. According to an exemplary embodiment, the present invention can improve an existing credit card system by providing a more secure way of using an existing usage card ', and particularly by providing an improved way of using an existing ^ credit card in a remote credit card transaction. The invention further achieves to provide a more secure way to use existing credit cards without any major modifications to existing credit card systems. The invention further achieves to provide an improved credit card system that is more user-friendly and provides consumers with greater confidence in the security of the system. Furthermore, in one embodiment, the present invention also provides an improved i-credit card system, which does not require the use of an expensive and error-prone encryption system. The present invention also provides an improved credit card system that allows users to obtain credit card functions without ever revealing the main credit card number. Furthermore, the present invention also achieves to overcome "retrieval" and "leakage numbers" as much as possible Accidents of fraud. These and other objects of the invention are achieved by a first exemplary embodiment.

The credit card technology includes: I maintain a set of credit card numbers' share the same format; the letter I uses a set of card numbers to specify at least one credit card number as a primary card number: number, from the credit card number Specify at least one credit card number in the set of |: a limited-use credit card number, which will become invalid after the condition triggering i use-triggered); Limited use of credit card numbers, however, it is guaranteed that the main credit card number cannot be learned from the limited use of credit card numbers. |

-______——-------------- · ——-·-· ---------— ------------, ____ __________. -———— ------- — V. Description of the invention (8) This technology further includes: receiving a notification that a limited-use credit card has been used for credit card transactions; determining whether a limited-use event is based on this notification Has occurred, and if so, generates an invalidation order; and 'if a limited use event has occurred, the limited use credit card is made invalid according to the invalidation order accompanying the use trigger condition. In one embodiment, the occurrence of a limited use event means that the limited use credit card has been used only once. In another embodiment, the occurrence of a limited use event occurs when the cumulative spending of a limited use credit card has exceeded a prescribed amount of money, exceeded a prescribed use frequency, and / or used frequency, individual transaction volume, and total transactions. A combination of quantities. In one embodiment of the present invention, the additional limited * used credit card number is automatically configured when a credit card holder uses more than a preset number of limited use credit | card numbers. The advantage is that the main credit card holder does not need to make a request every time. :

In another embodiment, a technique is provided for performing a credit card transaction based on one of a main credit card number and a restricted credit card number 'I

The limited use credit card number is randomly selected according to the main credit card number, but the limited use credit card number includes the same format as the main credit card number and is related to the main credit card number. This technology includes: entering a transaction based on a main credit card number or a limited-use credit card number to enter a transaction; receiving the transaction message and processing the transaction. The steps for processing a transaction include: authorizing or rejecting the transaction; when a limited-use credit card is used to execute the transaction, it is determined that the credit card number used by your right-hand card will become invalid.

_________________________ V. Description of the invention t9) The step of invalidating the credit card number is based on whether a limited use event of the limited use credit card number has occurred, and if so, an invalidation order is generated; The credit card number used is invalid. One of the advantages of the aforementioned technology is that credit card holders can obtain credit card functionality but never need to reveal the number of the primary credit card during the transaction. More particularly, according to a preferred embodiment of the present invention, there is no mathematical correlation between a credit card number that is limited to use and the main credit card number. This is because this number is randomly selected from a set of available limited-use credit card numbers when different customers demand it. Therefore, it is actually impossible to predict which customers will look for numbers at any time, or how these numbers will be configured a: Furthermore, this technology can use a limited number of credit card numbers, and " leaked numbers " credit card fraud The possibility may be eliminated, or at least greatly reduced. In addition, in one embodiment of the credit card technology, a preset credit limit and the like are configured. Regardless of whether the merchant complies with the rules (for example, by fraudulent means of overcharging or providing additional goods), the overall risk for the | credit card holder is directly related to the preset credit limit and can therefore be minimized. Brief description of the legend: The foregoing and other objects, features and advantages of the present invention can be understood by reading the following legends and detailed descriptions: The first figure shows an example system for implementing the present invention; The second picture shows the center of the first picture in higher order

A: \ PA-B060.ptd Page 13 __4_4P8_ ° 0_____________________________________ V. Description of the invention c 10) Operation of the management station: The third diagram is a flowchart illustrating an example procedure for configuring a credit card number; the fourth diagram Is a flowchart illustrating an example procedure for limiting the use of a credit card number;

The fifth diagram is a flowchart illustrating an example procedure for assigning a credit card number: I The sixth diagram is a flowchart illustrating an example procedure for using a credit card number electronically; the seventh diagram is a flowchart , Illustrates a sample program for processing transactions; i Figure 8 is a flowchart illustrating another example of processing transactions | Example program: 丨 Figure 9 is a flowchart illustrating the use of credit cards The number is a sample program of PIN number; detailed description of the legend In this manual, the term "credit card" refers to credit card, (package 1

I include MasterCard, Visa > Diners Club, etc.) and debit cards (for example, American Express,. And some department store cards), and 丨

Debit cards, such as those that can be used at AT and many other places, or cards that are combined with a specific account, and mixed types of cards (for example, deferred I * i

American Express for payment, bank lending with Visa I

card). In addition, the so-called "primary credit card number" and "primary credit card" refer to letter I

I use a card number and credit card, as commonly known literally, by 丨

\: \ PA-B060.pid Page 14

* 44 〇B o Q 5. Description of the invention (11) The credit card provider allocates to the customer and uses it in his or her personal account. It should be understood that what is meant in this manual may have multiple primary credit cards for one account. For example, a company may provide credit cards to multiple employees. Although there is basically only one customer account, each employee has a primary credit card. Each of these master credit cards has a unique master credit card number, and the set of master credit cards are all linked to the same account. Similarly, multiple members of the family may have a master credit card, and these master credit cards are all paid by the same customer account. The term 〃limited use " credit card number is used in at least two embodiments. In one embodiment, this type of credit card can only be used once. In another embodiment, this type of credit card can be used multiple times. Exceeds a specified threshold, for example, a single total billing amount, a total billing amount for a limited period, or a single transaction billing amount, etc. A common feature is that this limit is based on a usage trigger, not just a lifetime. 1. System Feature Summary There are at least two different ways to implement the invention. In summary of the invention, one is the configuration of additional credit card numbers for remote transactions, while the second is to provide credit cards that can be effectively disposed of in both remote and presenting credit card transactions; both can be used for single Under the characteristics of the second use mode and the multiple use mode, and can be protected from the fraud or retrieval of the leaked number; In the improvement of this invention, it is possible to control and protect the supply of unethical goods and services;

Λ: \ ΡΛ-Β060.ρΜ Page 15

* d4〇BOO V. Description of the invention (12) Basically the first is face-to-face; however, how is it used by the real merchant and / or the service letter card? The first used amount is used in the card number is critical. For example, after the operation is a technical bank, how to master the extra credit of the use of the credit of the service provider's internal invention of the card in this issuing system. The extra one can imagine Ho credit card theory. There is also easy security to deal with the current credit card first one time without leaking. In various cases, these matters related to this invention & I need to be considered. And the special emblem of this aspect, Gu α α β bamboo micro, especially the characteristics that affect customers in all aspects, changing the white and spoon is the invention of how this floor is provided to customers; finally, the invention of the supply of goods and services and credit cards Processors, that is, financial institutions and Ming Zhisong to discuss the use of a single card number can be used by a base person; credit card in some companies to open many cases of the main credit number of transactions to the third of his special transactions The characteristics of industry and function will first be in standard theory. The f feature is provided in the credit card system so that one or more of the following situations are provided: 丨) for the use of credit card numbers; 2) for remote transactions; 3) for remote and presentation of credit card transactions and 4) for remote And in the case of a credit card transaction, someone who trusts. These other characteristics are provided below. The card holder owns the allocation to the situation. It is generally believed that since the card can be used later in the above, when the number is numbered, the number can be added to the single amount can be provided to those who have no characteristics will be greatly improved under the letter. As a single time, this number can only be used. The role and the main credit card are irrelevant. The credit card number that has been lost to any person is used to restrict the main letter. PA-B060.ptd Page 16 V. Description of the invention (13) The card holder has a single The multiplicity of using a credit card number relative to different amounts = For example, 'when performing a remote transaction', the primary credit card holder can use a credit card number with a credit card amount slightly greater than or equal to the transaction amount. This will reduce or prevent unscrupulous traders from using credit card numbers to increase the number of pre-ordered goods or services, or to increase the transaction amount agreed by both parties. The second embodiment of this invention is to provide the main credit card holder with an additional credit card number for remote transactions, and this number is like the previous invention example, with a limit on each transaction; or When the sum of transactions exceeds a certain limit, the credit card number will be cancelled, expired, or otherwise invalidated. Similarly, 'multi-use i' card number can also be limited to a certain amount ', for example,' each transaction does not exceed $ 100 within five usage limits, and the total credit limit does not exceed 1 $ 400. Similarly, the time limit can also be added to the credit card number, so that if the frequency of use is higher (or lower) than a given threshold value, for example, more than once a week, the card number will lose its effect. Limits on single-use credit card numbers or multiple-use credit card numbers will be considered to have almost no I limit; and there are many techniques used to make use of credit card numbers in other ways; restrictions on use, Whether it is based on time, quantity, frequency of use, geographical area, or purpose of use (such as restrictions on Internet transactions, etc.), or | a combination of these separate criteria β-the third application that can be implemented with this invention Is essentially offering additional i single use credit cards, each of which has a unique additional credit card number i code. This additional single-use credit card can then be used at the remote parent ’s by using an additional credit card number for each transaction; and presenting credit to 11

V. Description of the Invention (14) In card n transactions, each card will be " swipe " under normal circumstances. This disposable credit card can be manufactured like a normal credit card, or it can be derived from relatively cheap materials, such as cardboard or thin plastic, so that the relevant information can be written in a readable form (such as magnetic), as if There are many forms of passes for public transport and other similar situations. Again, a large number of identical uses for credit card numbers can be proposed. For example, credit cards that can be disposed of arbitrarily can be restricted by geographical, usage, quantity, frequency of use, and even expiration date. As such, these techniques will reveal many variations on this concept. Another way to implement this invention is to provide additional credit cards used by the primary credit card holder multiple times, where the additional credit cards provide arbitrary restrictions1 such as using a trigger condition to achieve the desired situation later. | Ideally, no matter how the invention is implemented, the primary credit card holder will be provided with either a multiple single-use extra credit card number, a multiple-use extra credit card number, or a single-use and Multiple use of credit card mix. Whether it is a single-use credit card number or a single-use extra credit card; using a card will be considered as a risk of eliminating or reducing credit card fraud; What's more, by passing a credit line to a special credit card number, or an additional credit card number, or an additional credit card for a single use;

I It is possible to achieve more restrictions on the possible fraud of any remote transaction; and 丨 the use of disposable single-use credit cards may also eliminate or reduce the risk of being manipulated. With extra credit card numbers and extra credits |

A: \ PA-B060.ptd Page 18 f 4AOBO0 This is because it is better than owning other credits, say their users, extra credit cards, extra credit card numbers and so on. The problem will be caused by the transaction of the far-end quota in some environments; the use of false triggering condition numbers can be controlled, such as in the problem. More ——. V. Description of the invention (15) Credit card, the above can be completely eliminated. The card user may use a particular risk, which is born in some different systems. The amount used may also be applicable to the actual disclosure of the credit card number of the main letter, which does not need to be handed over to another invention. In the embodiment, the person 'can purchase both of the total amount of credit card purchase transactions that can be arbitrarily disposed of, and the only time to do so' must be cleared by a financial institution or a letter. Some people also have the convenience of a credit card as an alternative. The above is a debit card; because the deposit has already been made: in this case, the "credit card" of this argument, the use of the card, and whether there is a credit limit for the user The preferences are not necessarily 'for example, the additional credit card numbers of CreditEase' are always willing to bear the severity of fraudulent use of leaked numbers. This is particularly the case, as with the concomitant constraints suggested above. Roughly the same original card. At the same time of the credit card function, 'there is no need to give the master anything in remote transactions, the master credit card itself is always facing those who do not hold the master credit card credit card, purchased credit limit, etc. This can be used to show the credit card and far The condition is that when the credit limit is not reached, the card supplier will refund the refund. A machine (ATM) gets a refund. In this method the system can still be used and the credit card is held. In effect, the card in question is actually presented by the customer's account. In this case, whether it is a single use of the card or multiple uses, it will immediately log in to the account to borrow. Correct

440800 · —— ——-— V. Description of the invention (16) Under these circumstances, regardless of the use, it is another borrow that is a credit account. 2. Demonstration method Issued letter and transaction card-like, although t. With the card, it ’s better for the buyer and seller to use the customer ’s appropriate method. There is no transaction number. The bank will be used for a single time to measure the amount. If it is used as a reconciliation 2.1, the general implementation of the method can be done through a general-purpose digital computer. Supervisor is derived from programs or programs that have been developed or useable media. Such media includes, but is not limited to, magnetic storage media (such as a floppy disk drive and a 1-disk drive). It is optically readable. Xiong Diaoxiong, disc wheel). Use a central "disc player, etc." 'and carrier (such as transmission on the Internet. The practical program, program scorpion and program code κ of the present invention can be used by skilled computer programs Set descriptions to elicit. Fear of poverty; praise-the first picture shows the system that implements this limited-use credit card system: Fan summary. Shitong 100 includes the central processing station 102, according to the demonstration, Can work at the supplier of the card. Generally speaking, the station 102 receives: ^ and ^ remotely generated credit card transactions. Credit card transactions can come from the form of sales: co-operation, for example, by swiping the card through the card machine 106 . Another feeling Condition | Credit card transactions require from any remote electronic device (such as personal; computer) 104 < ^ These remote devices can be connected to the central processing station 102 through any type of network, including public or private networks , Or a combination thereof. For example, a personal computer 104 is connected to the central processing station 102 via the Internet ns.

, »Λ 08 Q Ο ____ ___ 5. Description of the invention (17) Even. In fact, there are one to more vending computers (not shown) that receive credit card transactions from the remote electronic device 104 and then send these requests to the central processing station 102. The central processing station 102 may also be connected to other kinds of remote equipment, such as a wireless device (such as a mobile phone) 1 40, by using a transmitting / receiving antenna 1 3 8 for radio communication. The central processing station 102 itself may include a central processing unit 120, and a network I / O unit 118 as an interface with a remote unit. The central processing unit 120 accesses a database of credit card numbers 1 24 and its selection for limited use A subset of 126 (called "usable levels"). In addition, the central processing unit 120 also accesses the central database 122, which is called " conditional µ database. This database is a general-purpose database 'which stores information about customers' accounts, such as various conditions applied to each customer. Furthermore, the database 1 2 2 can store the mapping relationship between a customer's fixed master credit card number and any related restricted credit cards that are publicly sold, such as using some kind of linking mechanism. Databases 1 22 and 1 24 are displayed separately, just to list the types of information maintained by the central processing station; the information in these databases can be mixed by the general database through the technology of data processing in a form that can be understood by 2 . For example, 'Every limited use of credit = there are stalls that can identify the main account, and according to various conditions on the way. ~ Can be used to execute credit card transaction requests. Another ancient pair of historical information and other agreed forms of information Γ is not shown in the second. This function can be assigned to individual clearing processing equipment i: \ PA-B060.ptd 1ΊΗ page 21 V. Description of the invention (18) & Finally 'Central Processing Station includes the ability to transmit restricted credit card numbers to customers. In the first embodiment, a local credit card dispenser 128 may be used to generate a majority of the limited use cards 132 and / or the primary credit card 134 for distribution to customers. In the second embodiment, a limited use credit card number may be printed on the form 136 'by the printer 130' and then mailed to the customer. The printed form 136 may contain the material covering the number until it is torn off by the customer, thereby indicating that those numbers have been used and are no longer valid. This list of numbers can be included in monthly or periodic reports to customers. In the third embodiment, 'these limited-use numbers can be downloaded electronically from the customer's personal computer 104', which is stored in the local memory 1 42 of the personal computer 104 for subsequent use. In this example, the credit card number can be encrypted (discussed in detail later). These numbers can also be downloaded to the user's smart card via a suitable interface instead of a personal computer 104. In a fourth embodiment, a single use credit card number can be downloaded to a wireless device 1 40 (e.g., a portable telephone) via a wireless communication device. In a fifth embodiment, an ATM 1 0 8 can be used to issue a limited use card 1 1 0. These techniques will be ready to correctly determine the transfer of the used number / credit card. Of course, these embodiments are applicable together. The logic of realizing real configuration and invalidating credit card numbers with limited use is more suitable for microcomputers that execute pre-stored programs in the central processing unit. Any general purpose or special purpose computer will do. In the alternative embodiment, the logic for realizing the configuration and invalidating the credit card number scorpion with limited use may constitute discrete logical units, or a combination of discrete logical units, and control implemented by a computer.

Page 22 A: \ PA-B060.ptd δλο ^ 00-— ---- -------- ~ --- — '' ~ '— ~ ^------ ---- ----_ · _ V. Description of the invention (19) The second figure shows a high-level description of the functions performed by the central processing station 102 or the like. This process begins at step 02 'with one or more limited use numbers assigned to the customer. These numbers are ultimately selected from a list of available limited use numbers 126, or from a sub-list of numbers previously included in table 126. At the same time, although the second figure is not shown, the main account number has been appropriately assigned to the customer at an earlier point in time. Conditions Information 1 22 can constitute a mechanism that combines the main credit card number with the limited use credit card number. Because the limited use card is arbitrarily selected from the list of limited use card numbers, there will be no identifiable association to allow someone to obtain the main credit card number from the limited use number. As a matter of course, if there is a fixed limit in the forehead line, the card will lose the function of the database, and the card will be checked naturally. In the step, this process will trigger the external limited sequence entry. That makes it work. These 1 2 2 instructions come to the ground, and the system completes the transaction. The system proceeds to step 204, where it is determined whether there is an additional limited use card or card number request from the customer. If a using card or card number will be assigned to the customer β 206, here the central processing station decides whether to use, whether or not a transaction issued by the U will occur. This step is followed by a judgment as to whether μ has no effect (step 208). For example # ^ 用 卡 ’It will not work. If the card has been around & in recent transactions exceeding certain predetermined thresholds ^ some thresholds can be stored in the card itself, or the actual steps that render the card ineffective at 3 are generated by " benefit, as in the first The two steps shown in step 2 丨 〇 can be used to process credit card transactions. Whether it has not worked or failed before. This difference is ^ fixed, * Hot * = k D Yihu Waiji 〇 〇 __— 一 _ '^ ------------------------ -----: 5. Description of Invention (20)-Once a number fails, the number cannot be stolen. 3, the risk of stealing these numbers on the Internet (or other transmission methods) is effective Ground disappears. In another embodiment of this invention ' these lost numbers can be restored if provided for a sufficiently long time since the first effective use. Assume that there is a sufficiently large number of limited-use credit card numbers as option 1. It may be necessary to wait for a long period of time before repeating all numbers. In this regard, it is extremely impossible for someone to illegally intercept a multi-year card number that is intended to be used before a legitimate user. When a limited-use card or limited-use card number loses its effect, 'extra (limited-use card can make it useful. As discussed in detail below with the card: the true recovery of the number includes many intermediate processes. For example,' from the table 1 26 credit card numbers are first placed in the "allocated" digital area, then the "issued but invalid" number area, and finally, the "issued and valid" number area. The second figure is a high-level description of this program, And including this typical embodiment, a more basic situation where the credit card number is obtained from the database and then made available immediately. 2.2 Credit Card Number Allocation The first thing a credit card provider must do is to create an additional credit card number Sequence lists, whether they are for a single use or multiple uses, use, and assigning an additional credit card number to the main credit card as an additional letter. Use the card number to choose to use instead of the main credit card number. This list can be used by Generate any appropriate software package, as shown in the following examples: Example. Since assigned to the main credit card Holder's number and main credit card number;

4a〇BO ° Fifth, invention description f21) is related, it is impossible to obtain the main credit card number from an additional credit card number. As far as the effect is concerned, the randomness of the credit card number comes from the sequence formed by the customer requesting the number. Furthermore, even if the number of additional credit cards used by a particular primary credit card holder is known, it is not possible to predict the next group of configured numbers for this primary credit card holder, because in the most realistic case, Picking up additional credit card numbers is random. Even if the credit card supplier configures the numbers sequentially, it is not possible to predict the numbers obtained by the credit card holders in sequence. Since these numbers are configured according to the advantages of the sequence, the randomness of such a configuration can prevent any prediction. As mentioned above, the credit card number generated by the central computer need not itself be a number. The proper statement of Che Jiao is 'although these numbers are valid credit: No .:' within the values that must comply with industrial specifications = required systems and networks do not require any (or minimal) repairs, they must be compatible with all other old Some: two: a single use in the life cycle of an additional limiting effect X \ · and all practical in commercially available systems ... these limitations are met by the program to be generated. In order to achieve the requirements of these configurations, a random number can be independently generated. In order to achieve the requirements of these configurations, a credit card level is issued to configure all the numbers that can be used here. This can be referred to as "usable level". This can be used early by people. , Column (for example, usually a sequence of 4 to 6 digits, using the existing header order to pass to the appropriate transaction processor:: \ PA-B060.prd 25f ρ〇80〇ϋ --- ---------- ~ ---.__ ^ ___ V. Description of the invention (22) '' ---------- The remaining number of the header sequence. The number that is not configured includes The credit card account that the card issuer has, with sufficient remaining capacity for the new account holder, and changes to existing customer numbers. Additional non-embossed details of the card and other card-specific information transmitted during the transaction Partly, it will vary with different cards to increase the security and confidentiality of credit card transactions. Although each single-use number is unique during the valid life cycle, a credit card number and detailed transaction situation are appropriate The information required by the processor is maintained at a truly limited use number It can be handled appropriately. However, the limited use number does not need to include the main credit card account number or an encoded version of the account number. In fact, when no / only account holder ID is included in the limited use credit card number, the privacy and Security will improve…, ~ Double title, that is, the number of the parent and child must be properly checked and the relevant expiration date must be valid for each use. Because of the limitation of using a valid credit card format 'for The only random configuration procedure for generating a unique sequence list with numbers can include the matching of a group of digits, where “the entire number is not equal to β,” Bai Liancheng, “Syllable. Similarly,” the card is verified and paid. The information verified before processing, such as the expiry date and the number of checksums, must be valid. This information varies with the limited use of the number, but it must be ensured that the number passes the check completed by the seller's terminal, that is, every time A limited use number must be properly calculated for the checksum and the expiration associated with each use must be limited to the group assignment 'where not The whole number is part of the account number is subject to change. Outside '14 configurations can include all or part of the account number and additional information 'such as non-embossed extra numbers, expiration dates and other information used to identify the card, and Passed by the seller to the card processor during the transaction. Available credit from a fully allocated use as a limited use number available

And Λ's 00 ____ ----—— ---------------—— ________—— ^^ V. Description of the Invention (23) ^ — / Debit / Credit Card Serial Number The sequential randomization of the table guarantees that the standard assigned to the limited use number is consistent; that is, no two-wide use number is the same, no limited use number is equal to the existing account number, and there are no new issues. The agreement card number is equal to the previously used limited use card. 3 In order to achieve true computational independence between the account number and the limited use card and the limited use number for the same account, the random-placement program needs to obtain the true jade random seed value. This true randomness ^ is obtained by a solid random system with well-defined properties, such as a white noise generator. A converter that converts an analog signal into a digital signal receives an analog signal from a true random physical system to ensure a truly random configuration. The configuration process is effective or both configured to clarify, order, and the user holds a unique single number can make each single method a single time can cause the same results with lower computing efficiency. For example, Ichicho randomly selects a credit card number in a full range for a known card issuer; then, if it has been used for a limited number of card numbers, or if the same number is within a given time frame To discard this number. The above sequence produces a series of available single-use numbers. Once again, the setup sequence can be selected randomly from a truly random (or ideally pseudo-random) single-use number and assigned to a selected accountant (not an existing credit / debit card holder, or a new one) Account or silver fight: holder of two). The extra make configuration for individual stand purchases. Each subsequent use of the mark is used in the next configuration "from the available sequence = pie = the only use of the mark is set. Another-a specific account ::

A: \ PA * B060.ptd * 4 ^ ° 8 ° 0 V. Description of the invention (24) ~~~~ '~~ --- There is an alternative mechanism of ^ direct configuration which is a single deployment to the only storage location ^ No. horse sequence ~ The sequence from a specific storage location can then be directly assigned to a given account f. This also allows for rapid allocation of new customers' credit cards without delays caused by the need to implement a new allocation procedure for each new customer . In this configuration, the program will generate a series of other single-use numbers. This 11-configured area and its related identification stop are used to determine once the account is used = disposal-which account is responsible for the transaction. The configuration process can occur at an important moment before a single use of the number mark is required. -Once deployed, they cannot add any more valid account sequences until needed again by the user. The third figure is a flowchart illustrating an exemplary procedure for configuring a credit card number.丨 The central processing unit (CPU) generates a database of credit card numbers (step 302), and selects a primary credit card number (step 304). In step 306, the CPU checks to determine that the main credit card number is different from other credit card numbers. The CPU selects an additional credit card number to assign to the primary credit card number (step 308). The CPU can use any of the techniques discussed above to select an additional credit card number. In step 310, the CPU checks to determine that the additional credit card number is different from other credit card numbers. Extra credit card numbers are used for 'for example' single-use credit cards.丨 When a customer needs to use a single credit card, the CPU will issue an additional credit card number to the customer. Unless these single-use numbers are issued directly to the customer i (for example, by an automated teller machine (ATM)), they cannot be added directly to the sequence of valid account numbers held by the central computer system. These numbers are added to ', already issued "' but not " valid " number sequence (step

A: \ PA-B060.ptci p. 28 44 ° 5 °, description of invention (25) 3 1 2). The number of single-use numbers issued at one time depends on the card usage rate and the capacity of the device stored in the device until use. The CPU can pick up M ^ .2 for the use of the number by the two people. In order to meet the needs of the customer, the single-use number is sufficient for the United States: it takes a long time for people to purchase, such as two years. The specific nature of each single-use number can be 0. The specific nature of the amount will not exceed the limit imposed on the customer account (Zhu Fei 2: Use balance) = 扪 一 ^ A series of single-use numbers were issued, Before the processing system confirms any issue numbers, the user has the option to confirm receipt by telephone (step # 314). Once the receipt has been confirmed (or assumed), not every single use number issued will be added to the "issued and valid" sequence (step | 316). To prevent the processing system from holding excessive valid single shots Use number '丨 Declaration of the number of valid single use numbers at any time should limit the account to avoid wasting the number (that is, the number accessed by the customer but the transaction has never been completed), and allow transactions between different transactions. As a result, the difference between the sequence of the i-single A number used by the customer and its sequence of reaching the processing center, the time delay generated by I, the maximum number of single-use numbers that are valid at any time | Credit card issuer, but may be biased in the 5 to 10 range. Right of any attempt to use outside the configured area, its next single use: the number can be used as an additional identification number to verify the transaction. In this case, Only: The numbers in part i need to be provided by the user, in order to prevent fraudulent traders from depositing ^ 丨 multiple unused single-use numbers. As long as the single-use number is in use Step 318) is disabled (step 32〇) 'from a customer " issued but: Invalid " additional sequence of numbers will be arranged at the "Print and effective" Ordered' |

5. Description of the invention (26) Until the next group of single-use numbers i to ensure that the single-use numbers continue to be supplied to the maximum value allowed by Ma (step 322). This does not cause any difficulties for credit card providers in relation to the actual supply of additional credit card numbers. For example, standard master credit cards have ^ five or more digits, the first digit is used to identify the credit ^ supplier 1 such as i

American Express ‘VISA, Mastercard, etc. For major banks, the three digits are used to identify the issuing bank. In a typical six-digit number, the last digit of the main credit card number is checked and used to verify that the number is valid. This leaves numbers up to eleven digits for account identification numbers and expiration dates. In some instances, expiration dates can be returned without an exchange; although some credit card providers require additional i credit card numbers or additional information for exchange. For example, some credit card providers | print extra numbers on the card. These numbers are not embossed on the card, and i does not form part of the main credit card number. These extra printed rather than embossed credit card numbers are used to identify whether the person who presented the credit card in a non-credit card transaction actually owns the card ', regardless of whether the transaction order was reached by letter or phone. There are many devices, numbers, pieces of information, etc. that are used by credit card issuers or their processors to clear credit cards for specific transactions. According to another embodiment, 'When issuing an additional credit card number in accordance with the present invention, such additional credit card number may include a code, which will be able to identify whether the person using the additional credit card number in the remote transaction was sent to Person, or: In the example of an arbitrary credit card, is it an arbitrary letter: the person to whom the card was sent. i 丨 An example of a better fit for these additional credit card numbers is ‘They can be restricted 丨

^ 4 ^ ° 8 0 ° _____ 一 · ~ ___ * --____________ Description of the invention (27) ~ 一 ~~~~ — '~~; Made in the correct form for credit card numbers, with effective inspection and , Mathematically has nothing to do with other numbers or main credit card numbers at the same time. In some cases, the expiration date is irrelevant for single-use numbers. So if you use the month code of the expiration date, for example, eleven, the number will have 12 X l0n, which is 1.2 x 1012, which is a trillion possible unique codes for the card supplier. use. This could allow 200 million account holders to have someone make 50 transactions per month for ten years, re-use any code, or introduce a new header code. When you learn that there are additional 04 header numbers that can be used by credit card providers, you can realize that the existing primary credit card number is sufficient for the present invention to use the existing infrastructure for processing credit card transactions: and only requires minimal modification Has the advantage. It is necessary for the credit card provider to store the numbers generated for the main credit card number. i i For example, suppose a VISA card has nearly 21,000 issuing banks. One of the sixteen digits is "4" and the following five digits are used to indicate the card issuer. The last digit is a checksum used to verify that the number is valid. The result is a 21,000 x 10.9 x 1 2 (252 trillion) unique number and the associated expiration month. This coded number is sufficient for the current annual transaction rate of nearly 7 billion | for 36,000 years of transaction processing. : When the stored credit card format allows a sufficient number of available card numbers, the numbers 丨 丨 eventually need to be reconfigured. Just as the level of available numbers uses time to reduce the size, extra or recurring numbers should be added back to this level to ensure that the configuration order is implemented at a level large enough to support random configurations. The length of time before re-circulation depends on all the codecs available to the card issuer; all digits and the number of transactions using a limited use number. This recycling makes

A: \ PA-B060.ptd Page 31

/ 1 A V. Description of the Invention (98) ^ s… — ______________________________- The ring makes Z happen when the number can no longer be used and no refund can be made. Once re-issued ~. The automatic fraud detection mechanism will work normally, you need to try to reuse the card by removing the number from it's limited use number sequence to change to an invalid card. 2, 3 Rica number

The restrictions after the Ir ^ trigger conditions are on the limited use of card numbers, that is, the credit) supply system, the limit on the number of transactions, etc., which are compared to the inherent extension of these ^, ν / debit cards, which have additional security and safety. Center 5 stores; ry · 丄 Α is input and controlled in different ways. For example, these restrictions can be stored in a database held by the card issuer, and used to check whether the parent is within these restrictions during the test. The fourth picture of the first and second pictures ^ is the flow of the demonstration program that says / restricts the use of credit card numbers and the configuration f-you have set the card number to the main credit card number (step 402), and give the credit card number as a condition ^ (Step 404) ° The CPU then stores the second thing: the database (step 406) These restrictions can be specified by the card issuer in a manner or entered according to the requirements of the card holder. This limit === the official number is used as the number Issuance to card holders is subject to card restrictions. Once the number is issued [these restrictions are notable: communication between the user and the card issuer makes these changes palatable hair :, pass (step 408). When this card is used in Transaction (step M: The details are compared with the processing software and restrictions, and the transaction "has to be verified only if these restrictions are met (step 412). On the other hand, the restrictions can also be encrypted to become part of the number transmitted during the transaction To solve the problem, the Internet is required to be limited. The current payment restrictions are implemented in the second payment plan for the seller, which is used for real business. When the sales are arranged, it can be used as the amount, but the number is provided by the credit card for the user. Knowledge The appropriate department, financial transaction card number selection. For example, a single credit card transaction. Or another painting 'One of the sales year is useful in a safe year' Where the letter code is restricted to the secondary use 'Where the letter's seller is at A 0 8 C w V. Description of the invention One of the (29) code format is easy to change in detail for less security changes. The number of transactions that can be arranged in many aspects can be used as the net has increased, and only ten arrangements of transactions are available. For a single sale The card number can be specified. The sales user can use the card number to determine the transaction amount in advance. The credit card will then be restricted from being coded. This will mention that since the development of the encrypted number format business is limited, the use of letter installment payment is effective and it is effective to provide countermeasures. Fraudulent and limited-use loan programs in only one line. The retailer or the first gift proxy volume can be used for any distribution processor to borrow more control. May be used to limit the number of selected majors. Restrictions, such as the twelve-month nature of credit card number merchants, because of it. Or the use of card numbers is also specific Sale decision. Or use the card number to limit delivery but do mention fraudulent restrictions. Zou Fen is also used to pre-empty " is the use of the card is such as the pre-locked place, the letter is restricted to the merchant, so that in the end, the system is under One thing to consider is how these additional credit card numbers and / or additional credit cards are distributed to credit card holders. One way to provide this additional credit card number and / or additional credit card is to physically It is in the hands of the main credit card holder 'whether it is collection, time-limited courier, mail or other means that can generally cover the delivery of the supply header. It is obvious that the financial institution wants to provide A as efficiently as possible: \ FA-B060.ptd Page 33 V. Description of the Invention (30) '--- An additional credit card number or additional credit card has been added to the user, and this additional credit card number and / or credit card falls into the third brother's The risk is minimal. Although theft cannot be prevented, such as stealing an active card from a user, the most important thing is to ensure that these disposable credit card and / or card numbers can be passed to the user, and they can be passed to the number or ^ ^ Which can be set arbitrarily is generated by using the card to obtain the physical property of the user's warrant. It is conceivable that credit card providers have many ways to issue additional credit card numbers and / or credit cards to users. One of the easiest ways is to mail them on request. Another way for credit card providers is to provide sufficient extra credit card numbers and / or credit cards to replace the previous debit form after receiving payment or debit form from the account. In particular, an extra check on the validity of an additional credit card number or credit card can be made if the debit form does not reference the number of the primary credit card number or certain codes. Some forms of receipt systems can be used. Effective theft will be reduced in some ways. The fifth figure is a flowchart illustrating an exemplary procedure for assigning credit card numbers. The credit card issuer assigns the primary credit card number to the primary credit card number holder (step 502). The credit card issuer then assigns the limited use number to the main credit card number (step 504). For cards prepared in advance, the credit card issuer can decide whether to print (or combine other methods, such as embossing) one or more numbers per card (step 506). The issuer can use a single card to assign multiple numbers (step 508) or use multiple cards to assign multiple numbers (step 512) °

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V. INTRODUCTION TO THE INVENTION (31) In any of the above cases, tracking is important. Suppose a credit card only has a removable cover to cover the card. For example, an opaque but removable cover allows the card to be removed before use. The number has been accessed or used. 2 pairs of which numbers are used to hold-a number, you can use opaque_ or multiple parts (step 10b can be loaded, care about the digital part of the card, the action of removing the cover indicates the card or another option , Opaque but such as, | used "message. Opaque overlay ... to remove the kind of layer that can be scraped off. In the use of f ^: the overlay can be a level similar to that used often; This can be scratched. Seventy-two β A / ± 笊 is used to cover the surface of the roll number or the like. Or the t-card can be placed in a separate container from each household, similar to the knife dispenser (step Township 516). The holder can remove the used card from the first compartment, and then put the used card in the second compartment. If the card has multiple numbers, the holder can use it. Devices that cover one or more parts of the card to track these numbers (step 510). Such devices are also sufficient to cover the numbers until they are used. D As discussed above, this device can contain many opaque layers and must To be removed before each number is used. Or another Select, when the card is issued, each number can be seen: and each number corresponds to a panel. When covering opaque objects, the message that this number has been used will be canceled. After each use, the corresponding overlay The object is removed or enclosed to indicate that the number has been used. The above two examples of the solution combined with the card are used to remind the user which number has been used. The condition check of the number validity is implemented in charge丨 Verify the card transaction processing software. J

A: \ PA-B060.ptd Page 35 0〇 5. Description of the invention (32) Additional credit card numbers and / or cards can be sent together with the loan book (step 5 1 8). The extra credit card bluffs will not work until the borrowed 眢 蚩 σ οη Ν, μ ^, _ has been paid (step 520). The card issuer also needs to teach him, Guru Ding Qiu accompanied by the main credit card number or other identification15. Or, for example, additional security checks involving passwords that are either in direct contact with the issuing credit card company or independently issued to promote the use of electronic devices. ° A further method of assigning additional credit card numbers and / or additional credit cards to the user is to use an ATM machine (step 522). Only a few modified ATM machines are needed to provide additional credit card numbers. Similarly, ATM machines can provide additional credit cards with relatively few changes. Credit card / single use numbers can be issued directly to electronic devices that can store these numbers: codes. This can be applied to mobile phones and paging equipment, where information can be transmitted by pre-existing systems and computers that are directly connected to each other or via a telex system connected to the Internet or a specific host computer. In this case, some mechanism is needed to protect the numbers in transit to prevent unauthorized access. For global applications, this mechanism must not be restricted by the output. In addition, this protection should not be affected by the "law of violence" decoding technique. Such a system would argue in the storage of single-use credit cards below | j — an alternative way to provide additional credit card numbers is to use a computer It is obvious that when the computer program is quickly processed, the credit card provider has: Adequate security is necessary, whether through the telex network or the postal system! Unauthorized access will not be obtained . 2 '5 Use of Carmine ^ for electronic use

4Λ〇8〇 ° 5. Description of the invention (33) Type 1 TV or computer with wired cable J Palm-size computer (limited use number) Any internet access device, device j or any form with words J attached software can execute 1, 1; password control can be used to authenticate the user 2) different encrypted forms of credit / debit / debit card numbers stored up to the user's request. — Every user. The user wants to set-the demand card. Installed software card number details / debits / transactions Checked the available time limit, limited time to the credit electronic device such as any Internet connection to account for the mini-secretary to perform the task with the computer ’s exclusive mini-office function An additional secure form of encryption is used to store the secure storage before access, or whether it is valid. The digital signature recorded by the company with the date of use of the debit card is used to have the valid credits mentioned above. 3) The stored transaction details may be inconsistent with the credit. 4) Convenience and transaction settings. 5) Notification. 6) Automatically send out less than the body in advance 7) Store and retrieve the microprocessor-controlled circuit of the device with the same function or dedicated button and screen in a set of computers (desktop access devices, laptops, etc.) Electronic or all: Access to other security boot systems " Limited use issued by the depository. These numbers can be used in a variety of steps. The numbers are stored in a secure storage such as for verification of stored records. This name. Restricted Credit Card Numbers Restricted credit card numbers. Or when the number of limited-use credit cards available ‘via a prior consent path’ is requested by the soft card issuer or authorized agent and the credit card issuer or authorized agent

In 2008, the description of the invention (34) secure communication ’is used to download additional limited use numbers. This secure communication can be used in any form of encryption suitable for this purpose. 8) A secure communication between the credit card issuer or authorized agent and the software package 'is used to transmit information about credit card transactions, account balances, and other information requested by the user or card issuer. This secure communication can utilize any available form of encryption suitable for this purpose. 9) Automatically or manually transmit credit card information to the seller. This software integrates Internet software that, when run on a device connected to the Internet or a similar electronic network, and allows the automatic transmission of transaction details, if the seller also allows it. To ensure compatibility with any form of vendor software, the user has the option to drag a limited-use number displayed by the software to the appropriate location on the webpage, or enter the number manually. When using a device over the phone, the number can be entered by the user by voice or an appropriate tone can be generated to automatically transmit the number to the seller. 10) Use digital signature verification to verify both parties of the credit card transaction (ie, seller and cardholder).邳 11) Use digital signature verification to verify that the financial parties transmitting additional financial resources in the communication have an additional limited use of credit card numbers (ie, the issuer and the card holder or 12) using the stored users and the limited holdings of the issuer: The sequence is used as a dynamic password to verify the transmission of the financial two-digit code in the communication. Both parties with limited use of the credit card number (that is, the 4 ”on the card issued for the" transactions that do not show the card "suggest that customers should use one to store Single-use number issued. Such devices may include 5 I

440800 Five 'Invention Description (35)-Surrounded by mobile phones, pagers, exclusive single-use storage devices, software packages, which can be executed on multiple platforms, such as traditional desktop brains-TV to access the Internet Device (such as WebTV) or portable plum 'device. The software-specific features used on these devices to store and retrieve these numbers are the same for all platforms / devices.有 Yes For the sake of Anjin, there must be a password to protect the access to the software, which is protected by another security system that can authenticate the user. Limited access to certain individuals may be provided with ^ different passwords, for example, to restrict a family member's access to a single-use number with a specific pre-configured application limit or maximum transaction value. The single use number is preferably stored in a secure form using one or more encryption systems. A dual system is recommended 'using standard protocols (such as DES or RSA encryption) and specific systems designed for credit cards as described above. &Quot; Brute force' decryption involves the use of multiple fast computers and specific algorithms Let ’s test a large number of possible encryptions " 余 起 ". Checking whether the result appears in the expected format can determine whether it is successful. For example, if it is an encrypted file, it can be judged by understandable English. If the encrypted version In the same format as the unencrypted version (although it contains different information), brute force decryption cannot succeed. This method is computationally infeasible for text, but it is possible for credit cards. The solution is to use a credit card number Each part is divided and encrypted with a private password to 'maintain the digital combination of each part. The resulting |

A: \ PA-B060.pld No. 39 1 a ^ o800 V. Description of the invention (36) ~~~ — ~~ 一 '—— The result should be secure and encrypted, but not another existing credit card number. This can be done by restricting the encryption system to the credit card number using the _, / " " J λ · 5π ^ · bank header sequence (usually 4 to 6 digits) to a currently unused sequence. Since this information is = for all credit cards from the same issuer, this information should be randomized (not encrypted) to avoid being cracked by -II. ~ I 1 饤 solution Φ method. Because once the rest of the number is decrypted programmatically, you can add the appropriate headers. Then the numbers other than the checksum (the last number ^) are encrypted with any private green key encryption system that can maintain the same number of numbers to produce a number representing 0 to 9. The lifetime and any other numbers are also subjected to the same The method of encryption represents the original structure, that is, the month is still located at 1 to 12 after the month is encrypted, and the number of the year after encryption is still in the next two years' to ensure a valid date of use. After these steps' to ' The general way is to calculate the checksum for this encrypted credit card number. Then the result is a valid credit card number with a valid checksum 'and guaranteed not to be owned by any existing credit / debit card account; there are. For a card with a 6-digit header and a valid checksum, for example, 'π 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 Lifetime 1 2/9 9 ", 1 2 3 4 5 6 Randomly assign a currently unused header sequence, for example, 0 9 0 2 3 4 (this is for illustration only, and does not necessarily mean that this is an unused header sequence), and then, 78901234 5 is encrypted to another 9-digit number, for example, 209476391. 12/99 is encrypted to a valid date format i to ensure that the card has not expired, for example, recalculate this number after 3/00 * | ^ code check And to generate a valid credit card number, in this case the checksum is

d4Q800 V. Description of the invention (37) 4 The result is 0902 3420 9476 3 9 1 4 The service life is 3/00. To decrypt this number for use or transmission by the bank, replace the encrypted number with the appropriate header sequence representing the card issuer. The other numbers are checked and decrypted through the use of private passwords and recalculations. Since the number of headers is an unused sequence and the private password is private, brute force decryption should not be able to crack the original number encrypted in this way 'because it cannot be determined whether the correct result has been found. When combined with a standard encryption system, a way to securely store and transfer credit card numbers in unsecured systems is available. Once the appropriate password is entered into the software t, the next available single-use number can be decrypted and displayed, allowing customers to use it for any form of transaction, either by reporting the credit card number or transmitting it to the seller via direct software. Once used, this single-use number is eliminated from the stored sequence. The date of access, the number accessed and any additional transaction details are stored in a secure form and digitally signed for verification in case of disputed transactions. Each time you access a single-use number, you must enter a password to avoid unauthorized access when customers leave their software or devices in the activated state. The sixth figure is a flowchart illustrating an example program for electronically using a credit card number i |. This software can be launched automatically or via an icon integrated into the Internet browser (step 602). This software provides a simple graphical representation of the interface using familiar credit card and / or ATM graphics. This software can be written in java code or a java core embedded in a £ / (;; + + application or equivalent Chinese language).

440S00 V. Description of the invention (38) = User turns in after the move—password to access the main day's surface, which contains one (+ move the disk to allow the user to enter a PIN number Ruo Ling @ 04 via a button or mouse) . The latter prevents attempts to steal passwords by tracking keystrokes. When the number of password rotation errors reaches a certain number, the remaining encrypted numbers will be permanently disabled / rewritten (0 ¥ 61 * Order 11: 6). After entering one (P IN, the user can choose-a new limited use number with or without additional restrictions such as the maximum transaction value) (step 60 6) ^ Then the one / one limited use number will be displayed On the graphical interface. The software provides secure access to encrypted credit card numbers stored on your computer's hard drive (step 08). These numbers can be used on the Internet or phone / mail transactions (step 61). These numbers must be able to be added directly to a web page (step 6 1 2) 'or printed / copied from the screen and used in other ways (step 614) ^ Limited use numbers can be copied, printed, and passed through the clipboard (Or equivalent) to paste, or drag-and-dropped onto a web page. The length of time a number is displayed and how the program ends can be set by the user. Users can also record notes to provide further information on how to use this number. For automated transactions, ideally the software should be able to intercept and respond to signals sent by the seller's server. In the browser, you can use the integrated function. Once the number is obtained, it will be deleted from the encrypted number sequence. (Step 616). Date, number, current URL (if used online), and any user comments will be encrypted and stored in different forms, so that users can check and review (audit / review) (step help Mg) . Users | This information can only be reviewed and cannot be modified.

A: \ PA-B060.ptd Page 42! V. Description of Invention (39)

I There should also be facilities for downloading additional numbers via the Internet from an extra diskette or using a high security protocol: (step 620). The latter can be executed by another program. This program should include a maximum degree of transparent security features, that is, it will not affect the general user, but can prevent the program from being reinstalled or copied: to another machine. This means that the encrypted limited use number should either be stored in the execution file or be stored in the same file as the encrypted copy of the machine-specific information (step 622). This ensures that these numbers can only be accessed by the machine where the software was originally installed. The data file should also be saved as a hidden system file. Some users may wish to have the same functions as the electronic wallet, which can be removed by one computer and reinstalled by another, for example, when sending one from the office and sending the wallet to a home machine. During this transmission process, EPO only runs one version of the program at a time, and there is no problem in integrating the used number sequences. Appropriate security mechanisms can be used to identify effective users.丨 Encryption of limited use numbers should consist of two phases. In the first stage, use:; Only the algorithm of the free digits in the card number is changed for encryption. The header sequence (i.e., 'b 1 η number') is not changed or changed to an unused b i η number, and the checksum is recalculated. This can avoid any form of brute force decryption, because it is impossible to tell whether the correct algorithm is selected, because each number looks like a valid credit card number from the beginning | to the end ^ then use the standard: i encryption method ( (Such as RSA or DES) encrypt each number. According to the solution method in the program, the checksum is recalculated to get the final number and add the appropriate b i η number. This software can be loaded in encrypted form with a capacity of .44Mb of soft magnetic

A: \ PA-B060ptd Page 43

4408 C V. Description of the invention (40) The disc (or any other computer-readable medium) may be downloaded from a website. Restricted numbers can be issued programmatically or independently. You may be asked to enter a separately shipped password during installation. The installation process allows a limited number of reinstalls of the program, after which important data will be erased. The clear number of installables can be easily modified by software. Once installed on the host computer, the program will encrypt internal information about the machine configuration ’to prevent copying the program to other machines. When installing for the first time, users can choose their own password. This can be used to control access to programs and forms of one-stage encryption that affect limited use numbers. When the number is accessed, a pictorial indicator of the amount of the remaining limited use number provides an early warning of whether additional numbers are needed. The software can also provide the previously accessed number, the date 'related URL (if activated by the browser), and the annotations of Japan, and' provide a summary of account consumption 'to assist in obtaining additional information from magnetic disks or the Internet. Number, ability to configure additional passwords / users for the shared card; and / or quick links to the card issuer's website. 2. 6 card transaction processing library

A: \ FA-B060.ptd Page 44 It can be imagined that the seller's handling of additional credit card numbers and additional credit cards should be handled in the same way as existing credit cards, including those obtained by a credit card company or an authorized third party. credit card number. In almost the same way, an extra credit card number can correspond to a customer account, and the account is charged. The seller's refund method for extra credit card transactions is the same as usual. The special advantage for sellers is that because they will never actually obtain the number of the main credit card or, in most cases, the main credit 440. V. INTRODUCTION (41) Card 'so they are safe for the main credit card holder Sex is not responsible. It is foreseeable that when using an additional credit card, it may be best not to leave the tag 5 'artificially so the tag may be removed electronically. Similarly, they are handled in the same way as the credit cards described above. The implementation of the system for processing limited-use cards includes some or all of the following functions: 1) Checking whether the credit cards with limited use are valid = 2) Checking whether the transactions fall within the limits of the specified number. 3) When a limited-use credit card is linked to another account, verify that the transaction falls within the limits of the designated account. 4) Authorized sellers check whether the specified number and the connected account are valid and within the limits. 5) When the verification finds that the limited-use credit card has become invalid, only when the transaction is generated by the same seller who has obtained the authorization of the previous transaction, subsequent transactions are still allowed to be charged by the same limited-use credit card. 6) Deny authorization when the number or connected account is found to be invalid or exceeds the limit. 7) If an invalid number is found or an attempt is made to use an invalid limited number again, a fraud detection mechanism is activated. 8) At the time of a designated transaction, if the usage limit is reached or exceeded, the limited use number is set to invalid. No further authorization or payment can be made. 9) Maintain a sequence of invalidated limited use numbers for processing returns or refunds in the event of defective items *.

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5. The log of the invention description (42) 'and linked to the connected limited use and other card transactions 10) Record the limited use number and transaction account. 11) Record by mail or email to the user. 12) For approved transactions, initiate a payment to the seller. 13) Initiate a refund to the cardholder requesting a refund. i H) Invoice the billed payment to the account owner or arrange for a transfer from another account.

! I; Many of the functions represented by the sequence of limited-use cards have been provided by the ticket exchange: exchange system. These existing functions include: adding new credit / debit card numbers to the processing database; allowing these card numbers to be activated via a confirmed call from the customer to the issuer; granting a credit amount to a credit card number; Restrictions; and invalidating a credit card number and making it unusable, marking any further use as fraud. This overlap represents part of the commercial value of this single use of the invention as it minimizes the required changes.丨; Once a limited-use number has been rolled into the clearing-house system, it can be handled in the usual way: i. For example, to ensure that it has not been reported missing and that its repositories represent a valid number. Transactions can be authorized if they are within the customer's credit limit and transaction limit, or within the limits of limited use. | Some special modifications must be made to the processing software to achieve single-use; credit card features. For example, a valid limited use number must be stored in a database of valid account numbers and other information about single use numbers. This package: contains enough information to identify the customer of the card issued and any additional restrictions on this card, Directory of Dealers or Available Sellers °

A: \ PA-B060, ptd Page 46 44 0 & V. Description of the Invention (43) Once authorized, the ‘Limited Use Number’ will be invalidated for verification purposes. This number cannot be used for further authorization / accounting. In order to allow a delay in the authorization of the previous request, for example, in a mode of "the credit / debit card number may be authorized at the time of ordering", but only when the goods are delivered, the same seller must be allowed to delay settlement processing ° Once the preset transaction limit for a limited-use credit card is reached, the card processing software will invalidate the card. As it may result from the authorization and sales process and authorization to process the card used in advance together with the easy to use details and limited use, the accompanying traditional letter will be changed whenever the account is valid. Authorization number required by the vendor. Thing. At this point, the credits that are lost to the settlement limit the use of the credit limit for issuing cards, the time delay between the allocation or announcement of settlement, and the process of invalidating the connection can improve security. Linking invalidation and settlement can easily increase the cost of risk, for example, using a limited first authorization multiple times can be related to the invalidation of the authorization as described above—the transaction is not considered an authorization until it is accepted by the seller, and it is treated as a settlement The program will be invalidated during the program. When no authorization is obtained for a card, the system still has a higher risk as a normal card owner / seller, like the same unauthorized transaction. Du Shi Gu: When the validity of the household changes, all current transactions and current credit line transactions that are identified and connected by 戈 Ge Muΐ will be reduced. If the customer fails, all single attack ^ people use the numbers in the same way

§ Use a limited use number J 丨 in the database that has been allocated to the same customer and misplaced a valid account

Each available single-use number is 4 0 440800 V. Description of the invention (44) When the field transaction δ has been posted to a limited-use number, the transaction details and customer account details are stored together for review, and the value of this transaction is added Customer account bill. The software that stores the details of the parent and the printed narrative can be modified * to be used in both the customer's traditional account details and the transaction details report of the limited use number. ^ The treatment of limited use numbers is integrated into existing music systems in several different ways. Authorization and settlement procedures can be completed in a single cycle or divided into different authorization and calculation procedures just like existing credit card systems. The functions of the 'independent limited use credit / debit / debit card processing' in ^ ^ ^ may not be limited to any suitable computer that can incorporate the required methods and library and communication functions. The system should be able to provide transaction authorization based on the same time as credit / debit / debit card transactions. '' Method 2 Si energy must be integrated into existing systems, and several dry use / production changes can be minimized. Some steps may have to be added to the processing procedure when receiving the H Λ card number from the seller.

Here is a sequence diagram illustrating an example of how τ is used to process transactions. In step 702, a software system is detailed by J. The software system decides whether this number is received as a traditional card number (step 704). Ruoma is a pass-through tiger code or-changed to pass to the processing system, and can be authorized by the existing system. The seller's refund process is negative: the traditional card number system can check for limited use changes (step 708). 710). -The restriction corresponding to the number (step 710). Right-bluffing code is not valid for designated U ’骒, this transaction is rejected

: \ PA-B060.ptd 44 08 0 ο Five 'invention description (45) must not (step 7 1 2). Otherwise, the database search procedure determines the connected master account number 'to transmit this number back to the processing system (step 7 1 4). All existing fraud detection, authorization, and statistical procedures can be allowed here without change (step 716). When the master account number is replaced by a limited use number, some additional steps are required (step 71 8). If the standard of invalidating the limited use number is reached during the transaction, the limited use number is set to invalid, and no other transactions can be made. In addition to the refund, 5 additional limited use numbers can be issued automatically, if necessary, continue. If we supplement single use number. The transaction details and the master account number are then transmitted and added to the database to track the transaction details and record them in the user's account. These functions need not be performed before authorization, but can be completed later (step 720). With the aforementioned system, the software is responsible for replacing the main account number with a limited-use number. It can also handle additional features for the limited-use number. These features | include restrictions on transaction value, restrictions on sales patterns, and restrictions on geographic locations. . If the transaction exceeds the limit of the limited use card, the authorization is refused, and the main I credit card does not need to be sent out for further processing. When trading on a limited use card 丨

I; within the limits, the details of the transaction are transmitted with the main account number for traditional I: valid verification. In this way, restrictions on the master account (for example, available balance 'lifetime) are also checked for each limited use transaction. j Special fraud detection can also be incorporated into this software. For example, when it is detected for the first time that an invalid limited-use number is being used, a flag may be flagged for the transaction, indicating that it may be misappropriation and appropriate measures taken. Repeated attempts by a single seller or a group of sellers to authorize an invalid number can also be fraud and lead to the initiation of appropriate fraud measures.

440800 V. Description of the invention (46) The aforementioned system only needs to make minimal modifications to the existing system, but the processing time may become twice that of traditional transactions because of the dual authorization process, once the verification and The steps of the transaction, once in the standard system. If a single sequence can be used for the limited use number and the main credit card number, it is better to treat the limited use card like a main credit card. Figure 8 is a flowchart illustrating another exemplary procedure for processing transactions. In step 802, a software system receives details of the transaction from the seller. The software system accesses a database containing additional information to identify the method of settlement of the linked '| 丨 account' and the restrictions on the use of the limited use card. As a result, the limited use number can be linked to an existing account, and in the current use, multiple traditional accounts (such as multiple cards issued to the same company) can be linked (step 804). During the authorization process, the linked accounts need not be identified, as long as each limited-use account is modified when the linked account changes (available balance, account validity). The system may deny authorization (step 806) or authorize the transaction without identifying the connected account (step 808). For settlement and billing purposes (step 8 丨 2), the connected account must be identified (step 810) but need not be completed during the authorization process. Existing software should be modified to link to new procedures that can perform special tasks as previously described for limited use card numbers. (Steps 814, 816, and 818). These functions do not need to be executed before the authorization is issued, and can be completed later. ί i This system requires more modifications to the existing processing software system, but provides i i with the same authorization time as the existing transaction, as only one authorization step is required. Other actions, such as limited changes when the master account changes

44 08 0 0 V. Description of the invention (47) Limitations on the use of the invention The structure and details of the main account are mainly used in the main account. It can be imagined that the person using an account can use credit cards; later, you can The person who transfers the completed amount of the card back to the card does not have a letter system. The authorization may not be limited to many changes until now. The user receives one ATM machine (or similar) that uses the credit card one time to purchase the card that can be discarded or inserted into the ATM machine's account. The account with the card still uses the card and can be refunded after the transaction is cleared for a period of time. Payment, the refund may be in cash or transferred to the purchaser's account at another financial institution. Similarly, readers should understand that ATM machines are not the focus of 'disposable credit cards or single-use letters | cards can be used to purchase other goods or Services are generally purchased in the form of, for example, off-line, off-line). In the embodiments inserted so far, it is possible that the issue as described so far already has an issue system by a credit card provider. This is not necessarily the case. An example device) is available for credit card-less credit cards, and then this disposable transaction t. When this card has been used for a period of time, it will not be used. Similarly, if you buy disposable credit, you can buy disposable credit by ATM machine. Direct face-to-face transaction or mail order.丨

I Similarly, although the aforementioned recommendations suggest that single-use credit cards can be purchased, there is no reason why they cannot be multiple-use credit cards with a set credit limit. Furthermore, these cards may not be credit cards' but only credit card numbers for single or multiple use. It is conceivable that for operational efficiency, these numbers are more likely to be issued in the form of disposable cards or early use of i cards. Therefore, for people who do not want to deal with k-cards, or people whose credit is such that they are not allowed to own credit cards, they may also own credit cards. This also has considerable benefits for credit card providers.

Α: \ PA-B060.ptd Page 51 44 Ob V. Description of the invention (48) '' '---- 一 _ " 2. Communication between the card holder and the card issuer requires one of the parties Or both parties can also test the sequence of the limited use card number owned by each party, which can be used as a form of identification. With a dynamic password, all or part of a limited number can be used as a method of identification without any additional security system. Since this identification is not required in traditional trading systems; processing L may use all or part of a limited use number. Figure 9 is a flowchart illustrating an example procedure for using a credit card number as a PIN number. In step 902, the card issuer generates a library containing available credit card numbers. The issuer selects a primary credit card number (step 904) and issues it to the holder of the primary credit card (step 906). The card issuer then allocates an additional credit card number to the primary credit card number (step 9 08) and issues it to the holder of the primary credit card (step 91). When the holder of the primary credit card needs or wants to access the account information (step i 9 1 2), the primary credit card holder can use these additional credit card numbers as a PIN number (step 914). I | It can be seen that there is a fundamental difference between verifying a transaction between the system of the present invention and any other system that uses a PIN or other number (whether or not it is constant or variable between transactions). In this system, the format of the detailed value transmitted during the transaction is the same as the existing credit card number but does not contain a unique account code. This maximizes the security and privacy of credit / debit / debit card transactions. In this processing system, the validity of the limited use number is first checked, and then the linked account number is identified by checking the stored information related to this limited use number. Via transmission one

A: \ PA-B060.ptd

44 08 V. Description of the invention (49) The extra PIN or extra number besides the account number, or other unique identification code, has a lower level of security and privacy. In any form of PIN identification code (as described by Rahman), the connected account number is first identified 'and then the PIN number is checked. So many cardholders can share the same PIN. In fact, in most cases, because of the short PIN length, many users will have the same PIN but different account numbers. For our system, each limited-used number must be unique in use and be able to determine the connected account exactly. Although the present invention has been described in detail with a preferred embodiment, these examples are limited. Not only the system of the present invention can be modified to be used in its technology® film system; it can also be modified to be used in other computer networks or numbered. The scope of the present invention is not limited to the described embodiments, but the following patent applications To define.

Claims (1)

440δϋ, patent application scope 1. A kind of credit card system is used to maintain one piece: A group consisting of the following components Λ S group sharing the same format letter under the scorpion set is used to refer to the above credit card number set — the card number is A component of a main credit card number; v credits are designated by the above credit card number set to a card number that is a limited-use credit card number component; second, the credit usage is generated after a trigger condition; and the code 疋 is used to A component that connects the above-mentioned main credit card number with limited use, and that the above-mentioned main credit card number is not found based on the ^ Limit: Code credit card number. 2. The credit card system according to item 1 of the patent application still includes the following components: a component for receiving notification that the above-mentioned limited-use credit card number has been used in | a credit card transaction; 1 based on the above notification 'for Determine whether a component with a limited use event has occurred, and if so, generate an invalidation order; and if the above limited use event has occurred, 'the component used to invalidate the above-mentioned limited use credit card. 3. The credit card system according to item 2 of the scope of patent application, in which the occurrence of the above limited use event means that the limited use credit card has been used only once. 4. The credit card system according to item 2 of the patent application scope, in which the above-mentioned limited A: \ PA-B060.ptd Page 54 44 OB υ 6 'Patent Application Fan limited use pass card has been used to accumulate the use of the event occurs when the use of the billing amount exceeds a preset The amount of money. 5. The credit card system according to item 2 of the scope of patent application, which also includes the following " " f cattle.. It is used to designate another limited use credit card number in response to = a component to invalidate the order ', and the other A limited link card number to a primary credit card number. … Μ i # 6. The credit card system according to item 5 of the scope of patent application, in which the above. Maintains a list of available limited-use credit card numbers, and the above-mentioned taxis ”Another limited-use credit card numbers, the components are described by the sequence above Another limited use credit card number. 7. The credit card system according to item i of the patent application scope includes another item for receiving a user's request for another limited-use credit card '' ", and responding with another limited-use credit card number. 8 The credit card system according to item γ of the patent application scope, wherein the above system_ maintains a list of available limited use credit card numbers' and the other limited use credit card numbers are selected from the above sequence. 9. The credit card system according to item 1 of the scope of patent application, wherein the above-mentioned system includes a transmission component for downloading the above-mentioned limited-use credit card number to the user. 10. The credit card system according to item 9 of the scope of patent application, in which the above-mentioned limited use credit card numbers are encrypted before downloading. 11. The credit card system according to item 1 of the scope of patent application, wherein the above system includes an allocation component for allocating the above-mentioned limited use ί: \ ΡΑ-Β060.ρ [< ΐ _______ Page 55 44 08 0 0 6. Scope of Patent Application Credit card with card number is given to the user.丨 12. The credit card system according to item 11 of the patent application scope, wherein the component includes an automatic teller machine. 1 3. The credit card system according to item 11 of the scope of patent application, wherein the i component includes a printing device for printing the above credit card number instructions for delivery to the user.丨 1 4. A computer-usable medium, implemented in a credit card system | In the formula, it includes the following components: It is used to maintain a group of credit card numbers sharing the same format: It is used to specify from the above credit card number set to the card number Is a component of a main credit card number; a component for designating the used credit card number as a limited use credit card number from the above credit card number set, generated after a use trigger condition; and used for combining the above primary credit card number and A component that connects the limited use codes and ensures that the above-mentioned main credit card number will not be discovered by relying on the credit card number.丨 15. A kind of actual signal on the transmission medium upload wheel. The above computer program is composed of the following components: It is used to maintain a group of credit card number components that share the same format; i is used to be specified in the above credit card number set. The card number used by I i is a component of a main credit card number; the above-mentioned one is one less than the letter of the computer program code set which is limited to the above, and the number is one less than the credit card number so that the signal indication code set is one less. A: \ PA-B060.ptd Page 56 440800 6. The scope of patent application is used to designate at least one credit card number in the above credit card number set as a limited use credit card number component. This number is after a use trigger condition. Generated; and a component used to connect the above-mentioned main credit card number to the limited-use credit number ten scorpion, and to ensure that the above-mentioned main credit card number will not be discovered based on the limited-use credit card number. 16. A method for processing a sequence of credit card numbers' includes the following dreams: Maintaining a set of credit card number sets that share the same format; a component that specifies at least one credit ten number as a primary credit card number in the above credit card number set ; Refers to the above credit card number set at least one #Use ten numbers as a limited use credit card number, this number is generated after a use trigger condition; and the above-mentioned main credit card number and limited use credit card number are uncovered 'and Make sure that the above primary credit card number is not discovered based on the limited use credit card number. 17 · A credit card system that executes credit card transactions based on the main credit card number or the limited use credit card number 'The above limited use credit card number is randomly selected in relation to the main credit card number, but the above limited use credit card number is the same as the above The main credit card number has the same format and is connected to the above main credit card number. The above system is composed of the following components: Transaction component, which is based on the above main credit card number or the above A: \ PA-B060.ptd Page 57 44 VI. The patent application scope of the limited use credit card number generates a transaction message to enter the transaction; the processing component is used to receive the above transaction message and process the above transaction, including: To authorize or reject the component of the transaction; when the above-mentioned limited use credit card number is used to execute the transaction, to determine whether to invalidate the limited use credit card number, and if so, to respond to this and generate an invalidation order component; where The aforementioned components for deciding whether to invalidate are determined by whether or not a limited use event of this limited use credit card number has occurred, and if the limited use event has occurred, the above-mentioned invalidation order is generated; and the basis for invalidating Command to invalidate this limited use credit card number. 1 8. The credit card system according to item 17 of the scope of patent application, in which the occurrence of the above limited use event means that the limited use credit card has been used only once. D 1 9, the credit card system according to item 7 of the scope of patent application , Which causes the occurrence of the above-mentioned limited use event to mean that the limited use credit card has been used until the accumulated accounting amount exceeds a predetermined amount. 2 0. A method for performing credit card transactions based on a main credit card number or a limited use credit card number, wherein the above limited use credit card number does not have any mathematical relationship with the above main credit card number, but the above limited use credit card number With the above main credit card number A: \ FA-B060.ptd Page 58 6. The scope of the patent application has the same format and is connected to the main credit card number. The above method includes the following steps: Generate one according to the above main credit card number or the above limited use card number. Receive transaction information to enter the transaction; receive the above transaction information and process the above transaction, including authorizing or rejecting the above transaction; when the above limited use credit card number is used to execute the transaction, decide whether to invalidate it, and if so, generate an invalid Response; The above steps in which to decide whether to invalidate are made by the limited use event of the limited use of the credit card number, and if the limited use event has occurred, the above-mentioned invalidation order is generated: Invalid order, this limited use credit card number is invalid. 21. A credit card system comprising: a bank storing credit card numbers sharing the same type; a master credit card number selector, at least one master credit card number can be selected from the above funds; a limited use credit card number option The device can select at least one credit card number as the limited use card number from the database. This number is generated after a use trigger condition. The credit includes: This order is not related to the credit stated in the material library. ; To A: \ PA-B060.ptd Page 59 r 44 ί 4 ^ 〇8〇 06, the patent application scope code and the credit of the Lord were issued 22.-a kind of library; selected to at least the above-mentioned letter 23 — A library of credit cards; a credit card number processor that can connect the above-mentioned limited-use credit card numbers, and the card numbers will not be based on the above-mentioned limited use. A system for configuring credit card numbers. This is a selector that stores a credit card number of a credit card sharing the same format. One credit card number can be used as the configurator of the credit card number of the main credit card. The main letter configurator can ensure that the above main credit card number is found with the card number. A system to limit the use of credit cards, one of which stores a database of credit card storage conditions that share the same format; a master credit card number selector, which can select at least one credit card number from a library, and a credit card number configurator, which can be uploaded from the library Select at least one credit card number, and a condition configurator that can configure at least one primary credit card number and ensure that the above credit card numbers all include: Number information of the above database card number; The above database selects the card number, code It will not be based on the following: the number of the data number, the number of the data card, the number of the data card number, the credit card described above as the credit card number described in the main credit card, the conditions of the above main credit to the above A: \ PA-B060.ptd Page 60 44〇B〇 ° Application scope 0 credit card number and store the above conditions in the above condition database 'The above conditions restrict the use of the above credit card numbers 24.-A system for distributing used card numbers, including: a stored Share the database of credit card numbers in the same format; a master credit card number selector, at least one credit card number can be selected by the above credit card number database as the main credit card number, and a master 3 configurator with a card saying code can be configured The above main credit card number is given to the owner of a main credit card number; I A configurator of a credit card number, at least one credit card number can be configured from the above credit card number database to the above main credit card number, and one A distributor that distributes the above credit card number to the above primary credit card number owner. i 25, a system for electronically using credit card numbers, the system includes: a database storing credit card numbers sharing the same format; 丨 i I choose a main credit card number selector, which can be selected from the above database 丨 ~ less ~ Each credit card number is used as the main credit card number; the configurator of at least ^ credit card number can be assigned from the above database with a credit card number to the above main credit card number. Page 61 44〇a〇〇 26. — = 彳 § Connected by a computer network using the card number configurator. A system for processing credit card numbers. This system includes: 庠. ~ A store of ^ shared credit card numbers in the same format ~ a selector of a main credit card number, 玎 from the above database " " at least one The credit card number is used as the main credit card number; ~ credit card number configurator, at least one credit card number is configured by the above database to the above main credit card number, as well. 〇 A credit card number processor can quickly settle the above main credit card I number and the above credit card number, so that the seller can execute the transaction without knowing the above main card & card number. * A system for accessing account information, this system includes: i-a piece of data storing credit card numbers sharing the same format 庠: ~ a selector of main credit card numbers, at least one credit card number can be selected from the above database As the main credit card number:-a credit card number configurator, at least one credit card number can be configured from the above database to the above main credit card number and an account information provider, the above account information provider uses the above Credit card number as a personal identification number to access account information from the primary credit card number above. Page 62 440800 6. Scope of patent application A: \ PA-B060.ptd Page 63