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METHOD FOR VERIFYING VALIDITY OF PERSONAL IDENTIFICATION NUMBER IN PROXY AUTHORIZATION BUSINESS

机译:验证代理授权业务中个人识别码有效性的方法

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.
机译:提供一种在代理授权业务中验证个人识别码(PIN)有效性的方法,该方法包括:开通代理授权业务的发卡行使用PIN验证码(PVN)用密码对每张卡的PIN进行加密。该算法可获取每张卡的PVN值,并以文件形式将由卡号和PVN值组成的对形式的所有卡的PVN值信息自动以文件的形式传输给接收和接收代理的授权机构。存储它;当代理授权代表无法处理银行卡业务的会员银行系统进行授权时,代理授权系统将使用来自接受银行的密钥对接收到的加密PIN进行解密,并使用密钥重新生成PVN值从发卡行接收,并将其与存储的PIN值进行比较,以验证密码的有效性。该方法减少了代理授权业务中授权错误的可能性,提高了使用卡的安全性。

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