Validating Card Numbers

Patent metadata

Field	Value
Publication number	US-2016078530-A1
Application number	US-201514951586-A
Country	US
Kind code	A1
Filing date	Nov 25, 2015
Priority date	May 30, 2013
Publication date	Mar 17, 2016
Grant date	—

Abstract

A method of validating card numbers is described. A card number input by a user using a terminal device is obtained. It is judged whether an organization identity obtained from the card number is an identity of an organization that issues cards. A determination is made that the card number is invalid if the organization identity obtained from the card number is not an identity of an organization that issues cards.

First claim

What is claimed is:

1 . A method of validating card numbers, comprising:
obtaining a card number inputted by a user using a terminal device; determining whether an organization identity obtained from the card number is an identity of an organization that issues cards; and making a determination that the card number is invalid if the organization identity obtained from the card number is not the identity of the organization that issues cards.

2 . The method of claim 1 , wherein before the determining whether an organization identity obtained from the card number is an identity of an organization that issues cards, the method comprises:
determining a user has finished inputting the card number or determining the organization identity is obtainable from at least one already inputted character of the card number.

3 . The method of claim 1 , wherein determining whether an organization identity obtained from a card number is an identity of an organization that issues cards comprises:
determining whether the organization identity obtained from the card number is in a pre-defined library that stores identities of valid organizations that issue cards; wherein making a determination that the card number is invalid if the organization identity obtained from the card number is not an identity of an organization that issues cards comprises: making a determination that the card number is invalid if the organization identity obtained from the card number is not in the pre-defined library.

4 . The method of claim 3 , wherein the pre-defined library of organization identities further store card origin information corresponding to each of the identities of valid organizations, the card origin information comprises: information of an organization and a card type;
wherein the method further comprises: determining whether the library of organization identities stores card origin information corresponding to the organization identity obtained from the card number, determining the card origin information as card origin information of the card number in response to a determination that the library stores the card origin information corresponding to the organization identity; determining whether card origin information set by a user has been obtained in response to a determination that the library does not store the card origin information, determining the card origin information set by the user as card origin information of the card number, and presenting information prompting the user to provide card origin information in response to a determination that the card origin information set by the user has not been obtained, and determining card origin information provided by the user as the card origin information of the card number.

5 . The method of claim 4 , further comprising:
presenting the card origin information of the card number to the user after the card origin information of the card number is determined.

6 . The method of claim 4 , further comprising:
determining whether the card type in the card origin information of the card number is non-debit card after the card origin information of the card number is determined, validating the card number using a Luhn algorithm, and determining the card number is invalid in response to a determination that the card number fails the validation of the Luhn algorithm.

7 . The method of claim 4 , further comprising:
determining whether the total number of characters in the card number equals a pre-defined value corresponding to the card origin information of the card number after the card origin information of the card number is determined, and determining the card number is invalid in response to a determination that the total number of characters in the card number does not equal the pre-defined value; wherein the pre-defined value is a pre-defined total number of characters in a card number corresponding to the card origin information of the card number.

8 . The method of claim 1 , further comprising:
determining whether the card number conforms to a composition rule, and making a determination that the card number is invalid if the card number does not conform to the composition rule.

9 . The method of claim 8 , wherein the determining whether the card number conforms to the composition rule comprises at least one of:
determining whether the first character of the card number is one of pre-defined values; determining whether a set of at least one character in the card number conforms to a pre-defined rule; determining whether the total number of characters in the card number is within a pre-defined value range; validating the card number using a pre-defined algorithm; wherein the making a determination that the card number is invalid if the card number does not conform to the composition rule comprises determining that the card number is invalid in response to one of the following determinations: the first character of the card number is not one of pre-defined values; the set of at least one character in the card number does not conform to the pre-defined rule; the total number of characters in the card number is within a pre-defined value range; the card number fails the validation using the pre-defined algorithm.

10 . The method of claim 1 , further comprising:
presenting prompt information of an error and reasons for the error to the user in response to a determination that the card number is invalid.

11 . An apparatus of validating card numbers, comprising: a processor and a memory; wherein the memory comprises a series of computer-executable instructions capable of causing the processor to perform actions of:
obtaining a card number inputted by a user using a terminal device, determining whether an organization identity obtained from a card number is an identity of an organization that issues cards, and making a determination that the card number is invalid if the identity of the organization obtained from the card number is not the identity of the organization that issues cards.

12 . The apparatus of claim 11 , wherein the computer-executable instructions are further capable of causing the processor to perform actions of:
determining a user has finished inputting the card number or determining the organization identity is obtainable from at least one already inputted character of the card number before determining whether the organization identity obtained from the card number is an identity of an organization that issues cards.

13 . The apparatus of claim 11 , wherein the computer-executable instructions are further capable of causing the processor to perform actions of:
determining whether the organization identity obtained from the card number is in a pre-defined library that stores identities of valid organizations that issue cards, and making a determination that the card number is invalid if the organization identity obtained from the card number is not in the pre-defined library; wherein the memory further stores the pre-defined library, the library storing identities of valid organizations that issue cards.

14 . The apparatus of claim 13 , wherein
the memory further stores in the pre-defined library card origin information corresponding to each of the identities of valid organizations, the card origin information comprising: information of an organization and a card type; wherein the computer-executable instructions are further capable of causing the processor to perform actions of: determining whether the library of organization identities stores card origin information corresponding to the organization identity obtained from th

Assignees

• Tencent Tech Shenzhen Co Ltd

Inventors

• Zhang Wenpeng
• Zhang Wenjing

Classifications

• G06Q40/02 Primary

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G07F7/12

  Card verification · CPC title