| 摘要 |
This invention relates to a method of processing a card present, card payment transaction. The method (1) comprises obtaining (11, 21) and comparing a PAN taken from the magnetic strip of a card with the PAN taken from the chip of a card. If the PANs are found to differ, the card payment transaction is declined (51) as this is indicative of a fraudulent payment attempt. According to one implementation, if the card payment terminal is unable to retrieve the PAN from either source, the payment transaction is declined (51). In this way, a far more secure method of processing the transaction is provided. According to another implementation, the terminal (103) carries out EMV1 PIN verification before allowing a payment transaction to proceed. In that implementation, additional chip (169) interaction or communication steps subsequent to PIN verification (EMV2 steps) are not required. Therefore, the invention can be performed using existing infrastructure. Furthermore, the security and flexibility of the card payment method are improved. |
