KR100542595B1 - The security system of the credit card ? the cash card. - Google Patents

Abstract

The present invention is to change the user ID authentication security system to ID security card or ID security password without changing or replacing the existing ATM system or MS card system in the security system of the card using ATM or card payment inquiry machine. In addition, the present invention relates to a security system and method for dramatically reducing the security incidents of a credit card or credit card by blocking an unauthorized person's use even if an existing bank credit card, cash card or password is exposed.

Description

The security system of the credit card & the cash card.

1 is a block diagram of a security system of the present invention.

[Description of Symbols for Main Parts of Drawing]

100: Bank ATM (ATM) System

101: Bank Credit Card Input Means

102: keypad means

103: means for entering the user ID security card

104: computational system (CPU)

105: Bank Host Computer

106: ATM display means

107: ATM Cash Machine

108: user ID security password input means

109: biometric ID recognition means

110: card security system

The present invention is a continuous improvement of the patent application (Application No. 10-2003-0005390), filed by the claimant PCT / KR98 / 00151, PCT / KR01 / 00495, and January 27, 2003.

The present invention does not change the existing bank credit card or cash card system in a credit card or cash card security system using an ATM or a card payment inquiry machine, and does not hand the other party when paying the card. The present invention relates to a security system that can dramatically increase the strength of a credit card or cash card by adding a user ID security system that eliminates the risk of unauthorized copying.

The conventional bank cash dispenser is a security system in which anyone enters a bank credit card or a cash card and pays cash only if the password is matched.

In the existing ATM security system, passwords can be exposed to customers by registering them in banking networks or records documents.If a card is secretly copied and put in the back of another person without the owner's knowledge, the user's card and password can be There was a problem that accidents occur frequently in which cash is withdrawn without knowing the exposure.

In particular, there is a problem that the existing credit card handed to the other party when the user pays the bill at a restaurant or gas station, there is no way to prevent even if the other party secretly duplicates the card before and after payment. As security incidents continue to increase, a separate user ID authentication means that does not hand to the other party at the time of payment is required.

In addition, because the number and password of bank credit cards are widely exposed in B to C e-commerce, the user ID authentication system based on the existing credit cards or passwords is increasingly being raised for security purposes. New security system needs to be developed.

In order to solve the above problems, a cash dispenser system for authenticating a user's ID may be considered as a scheme using an IC card and a password.However, the cost of replacing several million MS cards issued with an IC card and millions of There is a problem in that it is not easy to replace the ATM or card payment checker because the cost is astronomical.

In addition, even if the card is changed to IC card system, if the card is lost or stolen, and the password is exposed, it is helpless like MS Card. In B to C e-commerce, the card number and password are the same as MS Card, and the IC card can be duplicated. As such, the problems caused by the existing ATM or credit card checker cannot be solved.

In addition, the existing credit card or cash card means to check the card at the merchant to check the validity of the card by drawing the card, even if the lost card or duplicated card payment is made only by confirming the password, various card accidents There is a problem that causes.

In particular, the existing cash card or credit card system is irrelevant when the true holder of the card, whether IC card or MS card, has been kidnapped, and the card is stolen. It is necessary to have skills.

The present invention to solve the above problems, while maintaining the existing ATM system that permits the use of the device with the MS card and password, the user's driver's license, ID card, club membership card, By additionally configuring a security system to authenticate the user's identity with a credit card that is past its expiration date, there is a means to prevent the cash machine from withdrawing cash even if the password is exposed and the card or credit card is copied or lost. to provide. It also provides a security card system that allows the host computer to send a signal to the host computer to request rescue if the card's true owner is kidnapped.

In addition, the amount of one-time or daily use of credit card or debit card is entered in the host computer when the user sets the security card or security password. Therefore, when paying by credit card or debit card, It provides technology to solve the problem of copying like credit card and cash card without handing to the other party.

In addition, the present invention does not change the existing MS card system, and does not replace the ATM or card payment inquiry machine, and simply adds a security function to the MS card system and changes only the S / W system. It provides a technology that innovatively improves the security system of payment machines and card payment inquiries.

Hereinafter, with reference to the accompanying drawings will be described the configuration of the present invention and its effects and effects for achieving the above object.

1 is a block diagram of a security system configuration of the present invention.

As shown in Fig. 1, the present invention provides a card input means 101 for inputting a bank credit card or a cash card, a keypad means 102 for inputting a user's password, a CPU system 104 of an ATM, and an ATM. And a security system 110 for authenticating a user's ID to an existing ATM system comprised of a display means 106, an ATM cash machine system 9117, and a bank host computer system 105. The user ID authentication system is composed of a security card means 103 for authenticating a user's ID, an ID authentication password 108, and an ID authentication biometric means 109.

The security system for authenticating a user's identity is not only an existing MS card reader using MS card, but also an IC card reader using an IC card, an RF card reader using an RF card, or a fingerprint recognition to recognize a user's fingerprint. It may be configured as a scanner, an iris scanner for scanning the user's iris, or an image recognition device for recognizing the user's face.

Referring to the operation and effects of the present invention configured as described above are as follows.

First, a user who has been issued a credit card or cash card must select one of his / her ID card, a driver's license card, a club membership card, a department store membership card, or a card such as an expired credit card. Choose a card of the same type as your credit card or cash card system and convert it to a security card that authenticates your ID.

The method of converting a user's credit card or cash card into a security card for authenticating the identity of a particular credit card or cash card is to enter the user's credit card or cash card and password into the main computer that manages the card. After the card is identified, it is converted to a security means for ID authentication by registering a card or ID security password for the ID authentication card to the bank's main computing device.

At this time, whenever the user uses his or her own credit card or cash card, and wants to increase the strength of security by using the above ID authentication security card and ID authentication security password, ID authentication security card and ID authentication security when ID authentication data is registered. If you want to authenticate with only the ID authentication security card, only the ID authentication security card is listed. If you want to authenticate with the ID authentication security password, only the ID authentication security password is registered.

In addition, if a user is kidnapped and taken away from the card or password, the user may register an emergency security card or an emergency security password separately when registering an ID authentication security card and an ID authentication security password. If you want to set the maximum limit when you pay for a card, you can register a specific security card or password with the maximum amount.

When the security card or password registered for special purpose is input, the main computer device will take action according to the pre-programmed protocol.When the emergency security card or password is entered, the bank security department and the police will contact the cash card or security card. You can program to arrest a person who enters a credit card for illegal use, or you can program to refuse payment for reasons such as an abnormal card record.

In addition, if a security card or password is entered, the limit of payment of the card is to limit the amount of money that can be used by approving the cash card or card payment checker within the programmed limits.

If a user more specifically illustrates how to switch to a security card for ID authentication with his card as follows. In other words, the user goes to the nearest branch of the card company or the bank that issued his or her credit card, goes through the identification process, enters the credit card and password to be protected in the card terminal, Simply draw the card that you want to convert to a card and input the security password for the ID authentication card, and the credit card or cash card's ID authentication security card and ID authentication security password are registered in the main computer for card management.

If a user wants to change his or her ID authentication security card or password, go to the branch of the card company or bank to verify his identity and draw his or her credit card and password to specify the card to be protected. By simply entering the card and the ID authentication password, the previously listed security card and security password are erased and renewed with a newly registered ID authentication security card or ID authentication security password.

Such a technology can be easily solved by programming the main computer for card management to manage and manage the data of the ID authentication security card data and the ID authentication security password for each credit card or cash card number. The technology employs general purpose technology in this field.

When you use your own card as a security card as described above, even if you lose a wallet containing several types of cards, the acquirer can not distinguish which card is the security card, so the security is increased.

In addition, the ID authentication security card can be converted to a security card by selecting among the cards possessed by the user as described above, but when a bank or a card company can directly issue a security card and want to further increase the security power Even if the system is configured in such a way that the user's ID authentication security card and financial institution's security card are used together, the same effect can be obtained.

If you do not want to use your card as a security card, a card company or bank may issue a separate security card to authenticate your identity. Depending on your card company or bank's ATM system, It can be issued in the form of ID authentication card by magnetic (MS) card, IC card, or RF card.

In addition, if the ATM system is equipped with a device that checks a person's ID by fingerprint, iris, vein, or image instead of a card, it can be replaced with a biometric ID using a biometric method. Can be.

When the user wants to withdraw cash with his or her credit card or cash card in the ATM system configured as above, the user enters the credit card or cash card into the card reader of the ATM and then authenticates the card. The user ID of a credit card, cash card, or password is authenticated by inputting his or her ID authentication security card, ID authentication security password, or biometric ID registered by biometric recognition means.

For example, a method of inputting ID data for authenticating a user ID may be performed by drawing a credit card or cash card, inputting an ID authentication security card and ID authentication security password in succession, or entering a password for the card. Check the validity of the card by entering the password and the password. Then, the user authenticates the ID with an ID authentication security card or ID authentication security password. You can simply configure the system by drawing the ID authentication security card in succession, and then entering the password of the card.

In addition, if you want to increase the security even more, enter two or more security cards in succession, or by entering a security card issued by a bank or card company issued ID authentication security card with your own authentication card To increase.

The card management host computer compares the ID authentication security card, ID authentication security password or biometric ID data entered by the user with the data registered by the cardholder, and transmits an ATM permission signal to the ATM when the card holder matches. Withdrawal is the same as using the ATM.

In the above manner, the card management host computer adds the above four types of data transmitted from the CPU 104 of the ATM, namely, the user ID authentication security card and ID authentication security password in addition to the existing credit card, cash card, and password method. Compared to the data stored in the host computer, only the cash is allowed to the ATM system, so security is increased compared to the system that pays cash by checking two types of data at the existing ATM. Even if the credit card number or password is exposed, the user ID authentication card and ID authentication card password are not exposed, so the security system of the ATM is not compromised and security is maintained.

In addition, even if the card is duplicated by handing the card to an employee for payment of a credit card or cash card at a restaurant or gas station, the user ID authentication security card and ID authentication security password are not handed in small cases. Security measures for authentication are not exposed and security incidents in ATMs can be prevented dramatically.

In particular, even if a credit card or a cash card is lost, it is not possible to withdraw cash without a user ID authentication security card and ID authentication security password, thereby providing a technology that can greatly reduce the loss of a card company or a bank.

In addition, the present invention is to configure the user ID authentication security system with a magnetic card in the ATM system using the existing magnetic card, so the existing cash dispenser does not need to be modified at all, and only by modifying the S / W system to enhance the security effect. It is to provide a useful technique to implement.

According to the above procedure, there is no change in the ATM or ATM system of a credit card or cash card. Therefore, the IC card, RF card, fingerprint, iris, vein, The same effect can be obtained even by additionally configuring an input means for scanning an image.

When a card company or a bank issues an ID verification security card, the card may be encrypted with the credit card limit or the user's password, or the fingerprint, iris, vein, or image data may be issued. For example, the security can be further increased when the system is configured in such a way that the data entered into the ATM or card payment machine's CPU or host computer can be checked.

When you encrypt your password, it is safe because your password is protected even if the main computer is hacked. Also, when issuing an ID authentication card to an IC card or RF card, a large amount of data can be stored. Therefore, a user ID authentication security card can be inserted by inserting fingerprint, iris, vein, or image data instead of a password. When it is issued, the security effect can be further enhanced, and the technology in this field uses the existing general-purpose technology.

The user's ID authentication security system for the above ATM is the same technology that can be applied to the card payment inquiry machine using the same cash card or credit card and password as ATM. When a credit card merchant adds the ID authentication security system of the present invention to an existing card payment checker that checks only the validity of a card presented by a customer, it can block the use of a lost or duplicated card or a forcibly stolen card. Not only will it dramatically reduce card-related crimes, but it will also provide useful technology that will greatly reduce the damage to financial institutions from card fraud.

As described above, the present invention has the following effects.

(1) By simply configuring a second user ID authentication security system and modifying the operating software without changing the existing bank ATM system, there is an effect of innovatively improving the ATM security system. Therefore, there is an effect of dramatically improving the existing security system at a low cost.                     

(2) The security card that authenticates the user's ID can be set to be unnecessary when using or paying a certain amount or less. Therefore, the credit card or cash card is not handed to the employee when a small amount is paid. It provides a useful technique to solve the problem of card duplication, such as credit cards and cash cards.

(3) Even if the credit card or the cash card is lost, the cash withdrawal is blocked by the user ID authentication security system, which greatly reduces the damage to the financial institutions due to the loss of the credit card or the cash card.

(4) Since the user ID authentication system does not require exposing the card number or password in B to C electronic commerce, the security system of the ATM using the ATM is greatly improved compared to the existing security system.

(5) In particular, even if the card of a bank ATM is replaced with an IC card or an RF card at a large replacement cost and the ATM is replaced with an IC card or an RF card, the exposure of the card number in the electronic commerce is not possible. It is the same method, and when the card is lost, the same problem occurs as the existing system, but the present invention can not only solve all such problems, but also provide a useful technology that can reduce the huge replacement cost.

(6) In the user ID authentication security system of the present invention, only the user owns his or her ID card, driver's license card, club membership card, or expired credit card, etc. The card company or bank can reduce the enormous costs associated with issuing and delivering new secured cards, since a demonstrable card is registered in the card management main computer.

(7) To change the ID authentication security card, the user should go to the nearest card company or bank branch and enter the credit card or cash card that he / she wants to be protected with the password on the terminal. It's easy to change your password just by entering your password, which can greatly reduce your card renewal costs.

(8) When the ATM system is changed to an IC card system for each country, it is incompatible with existing card payment groups or ATM systems that use a magnetic card. However, the present invention is inconsistent with the same means as the ATM card system. It does not cause compatibility problems because it is registered and used as ID authentication means.

(9) In the ATM or card payment inquiry system using an existing credit card or cash card, a credit card or cash card may be used to additionally configure a biometric ID input means such as fingerprint, iris, vein, or image. In order to use, the authorized user must authenticate the ID directly to the ATM or the card payment checker, so it is effective to prevent criminal card accidents in which the card or password is forcibly learned. I can greatly reduce the loss of the bank.

(10) In the case of MS Card, even if the true holder of the card is kidnapped and the card and password are stolen, the person recognized the data abducted by the main computer by handing the person who has taken the ID ID security card or ID authentication password. It is effective in preventing card-related crimes by providing a means of communication between the cardholder and the main computing device so that necessary rescue measures can be taken.

(11) In addition, when the cardholder uses his or her own cash or credit card, the maximum amount of the payment is set as the password of the card, the ID authentication security card or the ID authentication security password, or By combining a password, ID authentication security card and ID authentication security password, various authentication means can be configured for each payment amount limit, thereby providing a useful security means to prevent card accidents.

Claims (20)

In the card security method of ATM or credit card making machine, (Iii) The cardholder's identity verification procedure of the card issuing agency, and the cardholder randomly selects a card such as a cash card or a credit card among the cards possessed by the terminal and selects a different security card according to the payment limit of the card. Registering a security card for which a payment limit is specified for each card by inputting the card management host computer; (Ii) When a cardholder wishes to use an ATM or a payment settlement machine, a credit card or a cash card is inputted together with a credit card or a cash card. Steps; and (iii) allowing the card management host computer to permit the use of the card if the card data entered by the user and the amount of payment match the ID data and payment limit data set on the security card with previously registered data. to, Card security method characterized in that the card holder randomly registered a security card specified by the card holder's payment limit for each card and added a security means for the credit card or credit card The method according to claim 1, The cardholder additionally configures a step of registering different security passwords for each card payment amount, and uses a security card, a security password, or inputs a security card and security password together according to the limit of the card payment amount. Featured card security method The method according to claim 1 or 2, Register the emergency card or emergency password together when entering the security card or security password, and the host computer recognizes that the registered emergency card or the card holder is abducted when the emergency password is entered. Card security method characterized in that it is programmed to alert the police and arrest the criminal The method according to claim 1, Card security method, characterized in that the user using a unique security card issued by the card issuing company to double-certify the security card or security password registered by the user The method according to claim 1 or 2, The cardholder's host computer (i) registers only the security card, (ii) registers only the security password, or (iii) registers the security card and the security password together so that the user can arbitrarily set the payment limit or security of the card. Card security method, characterized in that for selecting the method The method according to claim 1, IC card, RC card, fingerprint, iris, vein, or means for recognizing video are additionally configured as security means of card payment inquiry machine or cash dispenser system. (B) A card security method characterized by authenticating a user's ID with veins or digital video data. The method according to claim 6, Card security method characterized in that a plurality of user ID authentication system composed of at least two or more of the security card, security password or biometric means to authenticate the user ID of the credit card or cash card In the user ID authentication system of credit card or cash card, (Iii) After verifying the cardholder's identity through a financial terminal connected to the card company's host computer, verifying the validity of the card by sending credit card data, cash card data and password data to the host computer for card management. A terminal means for registering an ID authentication card or an ID authentication password to a host computer to be used for ID authentication of the above credit card or cash card; (ii) Rescue data to be used for rescue requests in the event of registering a card for ID authentication or a password for ID authentication with the above terminal system, in the case of specifying the card's payment limit, the cardholder is abducted, or the card is stolen by intimidation. ID authentication means comprising a specified ID authentication card or ID authentication password; (iii) The cardholder checks the data of the ID authentication means entered when using the ATM or the card payment checker to allow normal use of the card, approves payment only below a certain payment limit, or emergency to the police or security department. The configuration of a host computer configured to alert the user, in accordance with the data of the identification means for authenticating the user ID of the credit or debit card, authenticating that the card is a true holder of the card, or limiting its use to a certain amount or less; or User ID authentication system, characterized in that the automatic alarm to arrest the criminal according to the protocol programmed in the host computer The method according to claim 8, A user ID authentication system, characterized in that the user randomly selects a card having the same system as a cash card or credit card among the cards possessed by the user and converts it into an ID authentication means. The method according to claim 8, User ID authentication system characterized in that the user ID authentication means composed of a security card produced and issued by a bank or card company The method according to claim 8, By using a combination of card password, ID authentication card and ID authentication password, the cash limit or credit card payment limit or emergency rescue means can be specified and registered on the host computer. User ID authentication system, characterized in that implemented as a combined In the method of configuring a security system of an ATM or a card payment inquiry machine, (i) Randomly select a card of the same type as the credit card or cash card system among the cards possessed by the user, and register the unique data of the card on the credit card or cash card management host computer with the terminal of the card management entity to secure it. Registering with a card; (ii) specifying an indication signal such as a payment limit or an emergency signal of the security card when registering the security card data to limit the payment of the credit card or the cash card according to the specified security card indication signal or set the data to make an emergency alert; Wow; (iii) credit card or cash card management The host computer compares the data of the credit card or cash card and the security card with the registered data to approve payment of the card according to the preset data or to make an emergency alert. Security system configuration method of cash dispenser or card payment inquiry system characterized by including The method according to claim 12, Method of constructing a security system of an ATM or a card payment maker characterized in that the security card is composed of a card manufactured and issued by a bank or a card company. The method according to claim 12 or 13, Security card configuration method of cash dispenser or card payment inquiry machine characterized in that the security card is increased to the security password by entering the security password together with the host computer at the security card registration step The method according to claim 12 or 13, The keypad is configured on a terminal for registering a security card or a security password, and the password or character security password of the card is input when using a cash or credit card by inputting a security password composed of letters or numbers arbitrarily determined by the cardholder into the host computer. How to configure security system for cash dispenser or card payment inquiry machine The method according to claim 12 or 14, When registering a security card or security password, the payment limit of credit card or cash card is limited according to the payment limit set in the host computer. For payments below a certain payment limit, the existing cash card or credit card and password without security card or security password Security system configuration method of cash dispenser or card payment inquiry machine characterized in that the payment or use only program The method according to claim 12 or 13, When registering the security card, additionally register the password of the security card and add a step to register the password differently to distinguish the normal use of the security card from the case where the cardholder is abducted by the cardholder. How to configure the security system of a cash dispenser or card payment inquiry machine, characterized in that the normal payment according to the password of the security card, or input the emergency rescue signal to the host computer. The method according to claim 12 or 13, Enter both the security card issued by the bank or card company together with the security card that contains the card you have, and use both of the above cards to use your credit card or cash card. Security system configuration method of ATM and card payment inquiry machine characterized by increasing the security of the card The method according to claim 12 or 13, The cardholder directly enters or renews the password of the card in the host computer after the identification process is performed on the terminal of the card management subject, and the cardholder changes the password at any time to the terminal of the card management subject. How to configure the security system of the query The method according to claim 12 or 13, When a credit card or cash card is issued by a card management entity, a cash dispenser or a card characterized by issuing a separate security card that inputs a limit on the amount of use of the card, rescue request signal data, or password data of a password. How to configure security system for payment inquiry

Images