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METHOD FOR VERIFYING VALIDITY OF PERSONAL IDENTIFICATION NUMBER IN PROXY AUTHORIZATION BUSINESS
METHOD FOR VERIFYING VALIDITY OF PERSONAL IDENTIFICATION NUMBER IN PROXY AUTHORIZATION BUSINESS
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机译:验证代理授权业务中个人识别码有效性的方法
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摘要
A method for verifying the validity of a personal identification number(PIN) in proxy authorization business is provided, which comprises: the issuing bank that opens the proxy authorization business encrypts the PIN of every card with a cryptogram using the PIN verification number(PVN) algorithm to acquire the PVN value of every card, and automatically transmits the information about PVN values of all the cards in the format of pairs consisting of card numbers and PVN values, in the form of a file, to the proxy authorization organization that receives and stores it; when the authorization is made by the proxy authorization on behalf of a member banking system that fails to deal with the bank card business, the proxy authorization system decrypts the received encrypted PIN with the key from an accepting bank, regenerates a PVN value with the key from the issuing bank, and compares it with the stored PIN value to verify the validity of the cryptogram. The method reduces the probability of authorization errors in the proxy authorization business and enhances the security of using cards.
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