Digital dynamic trackless security identity authentication method

Abstract

The invention relates to a all-digital dynamic trackless security identity authentication method. The digital dynamic trackless security identity authentication method comprises the steps that: a card holder applies to set a chip financial card containing a chip to a card issuing agency, a calculation formula identified by the card issuing agency is internally established in the chip financial card by the card issuing agency, multiple groups of configuration numbers are set to be allocated to each card holder, the configuration numbers are combined with dynamic irregular payment serial numbers to generate dynamic calculation elements, dynamic calculation programs and dynamic keys in the chip, and the configuration numbers are stored by the card issuing agency in a concealed manner; and when the chip financial card is used to perform financial transaction by the card holder, data such as the dynamic calculation elements and dynamic calculation programs generated by the configuration numbers, the dynamic irregular payment serial numbers and the dynamic keys is calculated to form a group of dynamic combined code, the group of dynamic combined code is further transmitted to perform identity authentication of the card holder by the card issuing agency, the leakage and crack of the personal data of the card holder are effectively prevented, and the risk of the replication and fraudulent use of the personal data and account of the card holder is reduced.

Description

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

AI Technical Summary

Problems solved by technology

[0005] However, due to the current financial settlement behavior, the identity and financial confirmation of the payer or payee is generally confirmed by the transmission of personal information, which causes the cardholder's personal information to be copied, embezzled, or impersonated by others during the transmission. Applying for a credit card with the data will cause a lot of trouble and huge money loss; therefore, how to design a reliable and suitable financial transaction settlement method for the public, in the financial settlement type, reduce the personal information of the payer from being stolen or fraudulently used risk has become an important issue nowadays

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