A METHOD OF ANTI-FRAUD FOR CREDIT CARD

WIPO Patent Application WO/2005/111876

A1

A method of anti-fraud for credit card. With the method, cardholder can cut the sum credit line given by bank of issuing card into limited operating credit line by network, consumer will release the credit line separately. If credit card be cheated, cardholder can set the usable credit line to zero, so that the risk be cheated will be the lowest. Said method includes steps: cardholder entering the cardholder management web of the bank of issuing card, releasing the sum credit line given by bank of issuing card or present usable credit line to the credit line separately, so that the usable money in credit card can be set suitable usage credit line of limited purchasing authorization; then the purchasing authorization computer in bank of issuing card will re-calculate whether the present sum credit line of cardholder has been used up. If the result is Yes, the cardholder will not go on using the card, otherwise the purchasing authorization computer in bank of issuing card then go on performing the purchasing according to the set value of operating credit line which set by cardholder or the usable credit of the operating credit line. When cardholder considering that the usable credit is not enough to use, cardholder can set the usable credit in the credit card again at any time.

WEI TSUNG-HSING (CN)

PCT/CN2005/000655

November 24, 2005

May 11, 2005

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WEI TSUNG-HSING (CN)

G06Q20/00; G06Q20/10; G06Q20/24; G06Q20/34; G06Q20/36; G06Q20/40; G07F7/08; G07F19/00; (IPC1-7): G06F17/60

CN1449533A	2003-10-15
CN1491397A	2004-04-21
JP2004086631A	2004-03-18
JP2003013229A	2003-01-15
JP2003036351A	2003-02-07

KINGSOUND & PARTNERS (Block B KingSound International Center, 116 Zizhuyuan Roa, Haidian District Beijing 9, CN)

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