| 摘要 |
A bank card transaction system comprises a first apparatus (10) for use by a card holder and a second apparatus (18) for use by the card issuer. One of these apparatus (e.g. the card holder's apparatus) is arranged for creating an encrypted number, corresponding to at least part of a card number, and the other apparatus is arranged for decrypting the encrypted number upon receipt thereof. The encrypted number is given to the merchant by the card holder, e.g. over the Internet, and is then passed by the merchant to the card issuer for authorisation in the usual way: identifying information is passed over a separate communication link established direct from the card holder to the issuer, to enable the card issuer to decrypt the encrypted card number upon receipt. |
