| 摘要 |
In the present credit card security method, a credit card company requests a person applying for a credit card account to submit a name and a birth month. The credit card company associates a credit card with essential information, prints the credit card, and issues the credit card to the person. The essential information comprises an account number, the person's name, and an expiration date comprising an expiration month and an expiration year. The expiration month is the birth month of the person. The credit card is printed with the account number, name, and expiration year, but not the expiration month. The credit card company still requires the correct expiration month to be submitted before authorizing a credit card transaction. The cardholder can verbally provide the expiration month to a sales clerk in a telephone or point-of-sale transaction, and can personally enter it into a computer in an Internet transaction. An unauthorized user with possession of the credit card cannot acquire the expiration date and therefore cannot complete a transaction. In a second embodiment, a beginning date is also associated with the card to define a valid period in combination with the expiration date. The beginning year is shown on the card with the expiration year, but the beginning month is not shown. The beginning month is also the cardholder's birth month.
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