KR20050064436A - Method for managing to preventing illegal use in automated teller machine - Google Patents

Abstract

The present invention operates a security password separately from the password for user authentication in the method of operating a password used for user authentication after reading a card or a bankbook, and if it is determined that the security password is input, The present invention relates to an operation method for preventing fraudulent use of the automated teller machine, which enables follow-up measures to be taken.

Transaction request step by bankbook / card input, the user authentication step to check whether the matching password stored in the database of the authentication server when entering the password through the input unit, if the password is matched in the user authentication step and the financial server and A password authentication method for an automated teller machine comprising a financial transaction step of proceeding with a transaction request through a network communication, comprising: pre-registering a normal transaction password and a security transaction password in a database of the authentication server, and a financial transaction. When the password for the secure transaction is input at the time of the user authentication step, the automatic notification to the security authority, and after the user authentication further comprises the step of proceeding to delay the financial transaction than the normal transaction.

Description

Method for managing to prevent illegal use in automated teller machine}

The present invention provides a method of operating a automated teller machine to check whether the current user is a party user authorized to use in order to prevent fraud when the user inserts a card or bankbook to use the automated teller machine installed in or outside the store. In more detail, the password used for user authentication after reading the card or bankbook is operated together with the security password separately from the user authentication password. The present invention relates to an operation method for preventing fraudulent use of automatic teller machines.

Looking at the configuration according to an example of a general automated teller machine, the input unit 10 is provided with a plurality of keys and converts the user's input information into an electrical signal, depending on the information or model stored in the magnetic strip of the passbook or credit card By reading the information stored in the IC chip and transmitting it to the central computer of the head office through the communication unit, the user can check the identity, record the deposit and withdrawal contents, and return the card or bank account to the card / book recognizing unit (12). Or a threat from the outside, stops the operation and locks are activated or connected to a professional security service company via a surveillance camera or surveillance button over a telephone line to enable 24/7 surveillance. The storage unit 16 stores the program for controlling and deposit and withdrawal information, and can be used for identification of bad traders later. A network connected to the communication unit 28 according to the user input information by receiving the output signal of the security camera unit 18, the input unit 10 and the passbook / card recognition unit 12 to shoot and store the image of the person's face Central processing unit 20 to control the financial transaction function by exchanging information with the financial server 51 and the authentication server 52 provided in the host computer 50 of the main store via the network 40, the external host in particular A display unit for displaying a communication unit 28 for exchanging information with the computer 50, the information input through the input unit 10 and the information processed by the central processing unit 20 so that the user can recognize it ( 22), a printing unit 24 for printing transaction details on the bankbook and printing the transaction statement, a check and withdrawal unit 26 for depositing and withdrawing checks, and cash withdrawal for allowing cash to be withdrawn or withdrawn; Including part 30 and the like. Is composed.

When making a financial transaction using the financial automated device configured as described above, the user inserts a bankbook / card to recognize the transaction account, and then checks the menu and message contents displayed on the display unit 22 to a third party other than the user. As a user confirmation procedure to prevent fraudulent use by the user, the user inputs secret information for financial transactions using the input unit 10, and the input password is in the authentication server 52 of the host computer 50 installed at the head office. The check and withdrawal unit 26 or the cash withdrawal unit 30 can be operated only when matching with the password registered in advance in the database 53 to perform the required transaction.

However, such a device recognizes a trading account by inserting a bank account or a card, and confirms the transaction if there is no error through a process of matching the password entered by the user with the password registered in the corresponding account. If you threaten your victims to force you to withdraw your deposit, or if you try to withdraw your deposit with a password that you find out by forcing, you will not know this. Considering using a social security number as a password, even if a criminal attempts to withdraw money by using a specific number string related to the owner using a credit card, debit card, or bank account acquired Since we can't recognize this, we will withdraw the deposit with normal transaction approval. There is a problem.

In the investigation of damage, the criminals are searched for by analyzing the image information captured by the security camera 18, but the location of the security camera 18 is disclosed, so if the criminal interferes with clear image capture, it is possible to secure data on the criminal. Not only do not suffer, but once the culprit has escaped, there was a problem of putting a lot of manpower and money until it was found again.

The present invention has been invented in view of the above circumstances, by using a card or bank account for the use of the automated teller machine, and recognizing the transaction account by using a normal transaction password and security password in the user authentication step using a password In case of attempting a financial transaction using a secure password, the system notifies the security agency automatically and delays the financial transaction time to reduce financial damage by recognizing fraud from the beginning of the use of the automated teller machine and considering the safety of customers. An object of the present invention is to provide an operation method for preventing the illegal use of the automated teller machine can be arrested.

The present invention for achieving the above object, the transaction request step by inputting the passbook / card, the user authentication step to check whether matching with the registered password stored in the database of the authentication server when entering the password through the input unit, the user In the method of operating an automated teller machine comprising a financial transaction step of conducting a financial transaction through a network server and a network communication when the passwords are matched in the authentication step, a password for a normal transaction and a secure transaction in a database of the authentication server. Pre-registration of password for security, When the password for security transaction is input in the user authentication step in the financial transaction, the automatic notification to the security agency, After the user authentication step, the delayed transaction step to delay the financial transaction than the normal transaction further It is characterized by including the.

Hereinafter, the configuration and operation according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

Referring to FIG. 1, two types of passwords are registered and stored for each subscriber in the database 53 of the authentication server 52 provided in the host computer 50 to implement the present invention. The first password is a normal transaction password. When a user enters a password for a financial transaction, the password is compared with the password stored in the database 53. Password used to authorize to continue. On the contrary, the second password is a security transaction password. When the password is entered for a financial transaction, the second password is recognized as a financial transaction by a fraudulent user when it is determined to match the password for the security transaction against the password stored in the database 53. And the transaction to approve the transaction to continue the financial transactions at the same time automatically report to the security server (60) to call the security officer and the security agency that the security server 60 is installed by performing the financial transaction delay mode This is to ensure that follow-up measures can be taken for illegal use.

The security server 60 is installed in an institution dedicated to security work such as a police station, a bank head office, a private security agency, etc., and is interlocked with a telephone system and an alarm system so as to urgently notify a security officer of an emergency situation. .

In addition, in order to implement the present invention, the automated teller machine has the following functions.

First, it has a function of providing location information of the automated teller machine. This data is stored in advance in the storage unit 16 inside the device at the time of installation of the automated teller machine, for example, the data may include an installation address, device number, subscriber address, map image, GPS information, etc. It is not limited, but may include other information that may indicate the installation location of the device or may include some of the information, such information is sent to the security server 60 quickly to detect fraudulent use for quick response do.

Second, it has a transaction delay mode. This mode is for delaying the financial transaction time to increase the response time such as dispatching from the security agency when the current transaction request is estimated to be caused by fraudulent user, and is normally processed in every processing procedure of the user's transaction request. Compared to processing by delaying by a certain time compared to the balance of the deposit and withdrawal boxes, such as cash and check, the amount of money to be withdrawn in the device is insufficient to allow cashiers and checks to be replenished, or the device is damaged. To perform a delay mode such as repairing the device.

Third, a crime information collection mode is provided. If the device is judged to be illegal, the security camera unit 18, etc. is operated to capture and store the surroundings of the device with the camera, and collect and store all possible information that can be obtained through the peripheral devices installed in the device, such as voice information. do. This can help police or financial institutions respond quickly.

Fourth, the collection information transmission mode. When the crime information is collected according to the crime occurrence, the corresponding information is transmitted to the host computer 50 together with the unique information of the device so as to induce a quick response. Such collection information transmission mode may be performed at the same time as the transaction, or may proceed to the transaction process after the transmission is completed. This can be selectively applied as needed.

Figure 2 is a security password implementation example according to the present invention, Figure 2 (a) shows a database example built with a separate security password, Figure 2 (b) shows a database example built with a security password using the date of birth, respectively Drawing.

Referring to the password of Figure 2 (a), each subscriber account number is stored in the password and security password to be used during normal transactions, the security password is associated with the user, such as a combination of numbers, phone numbers, etc. It is set using a separate number without this.

In addition, looking at the password of Figure 2 (b), as shown in Figure 2 (a) for each subscriber account number stored in the password and security password to be used during normal transactions. However, the security password is set by using the information related to the user. In the present embodiment, an example of setting the password corresponding to the month of the birth date of the user's social security number is shown as a password. It is also possible to set using other relevant numbers, and the operator can arbitrarily register a numeric string of numbers associated with the user regardless of the security password registration by the user. If a part of the user's personal information is used as a security password, it is not necessary to build an additional database. Therefore, a plurality of pieces of information related to the user's personal information such as date of birth, telephone number, social security number can be selected and used as a security password. In addition, the randomly registered security password should be notified to the user should be available in case of course.

3 is a flowchart illustrating a password authentication method according to the present invention.

First, when a user recognizes an account to be transacted by inserting a bankbook or a card, the bank / card recognition unit 12 reads a unique number contained in the bankbook or a card, determines the validity of the information, and then stores the information in the central processing unit 20. ). The bankbook or card information stored in this way is transmitted to the host computer 50 through the communication unit 28 when the user performs the actual transaction.

The host computer 50 analyzes the bankbook / card reading information transmitted from the automated teller machine to determine whether it is a normal bankbook / card that can be used, and in the case of a normal bankbook / card, the password is used as the next user authentication step for financial transactions. The guide message for input is displayed on the display unit 22.

At this time, if the user inputs a password by operating the input unit 10, the central processing unit 20 controls the communication unit 28 to input the password to the authentication server 52 of the host computer 50 through the network 40 By comparing the registration password (regular transaction password and secure transaction password) stored in the database 53 to determine whether the match.

At this time, if the password authentication fails, the transaction cancellation message is output to the automated teller machine and the current transaction procedure is terminated.However, if it is determined that the password matches the normal transaction password, the transaction approval signal is sent to the automated teller machine and the transaction amount is transferred. Checking whether the customer's balance is sufficient to process the required transaction for the entered transaction amount, as in normal financial transaction procedures, and if the customer agrees to final processing if the balance is sufficient. Confirming, withdrawing cash if the customer agrees, printing and printing the statement of transaction details, opening the cover of the outlet to receive the cash when receipt of the transaction statement is confirmed, and ending the transaction when the receipt is confirmed. Perform normal financial transactions as in steps.

However, if it is determined that the password matching result matches the security transaction password, the security server 60 immediately sends an alarm signal notifying the occurrence of the accident. Subsequently, the transaction approval signal is transmitted to the automatic teller machine so as to perform the step of inputting the transaction amount, which is the next procedure, and simultaneously perform the transaction delay mode.

4 is a flowchart illustrating an example of a security agency reporting procedure.

When the security verification is entered in the password verification step and the security password is input, the security camera reporting procedure is first performed, and if it is determined that the security camera unit 18 can be used, the operator of the device is photographed as many times as a preset number. At this time, if the security camera is capable of shooting video, of course, it may be taken as a video for a predetermined time. Likewise, if the automatic teller machine is equipped with a microphone, the sound of the surroundings of the device is collected and recorded for a preset time. Then, the location information stored in itself is extracted and compressed together with the collected information and transmitted to the host computer 50 and the security server 60 through the network 40.

5 is a flowchart illustrating an embodiment of a transaction delay mode according to the present invention.

When the password verification step is authenticated with the secure password in the password authentication step, enter the transaction amount first as in the normal password authentication. If the balance is insufficient, the next delay process cannot be performed, so delay the transaction time as much as possible before or after the transaction cancellation step by printing a random device error message or delaying card return. On the other hand, if the balance is sufficient, the balance check operation is delayed by a preset time than usual, and the user requests final consent for withdrawal of the transaction amount, and if the user confirms withdrawal, the operation required for cash release is usually performed. After delaying the preset time more, it is released to the cash outlet. Then, the specification factor operation is delayed by the preset time than usual and then printed. In the same manner, the processing operation is delayed by a predetermined time than usual for each operation of the user, thereby delaying the overall processing operation according to the financial transaction and ending the transaction.

In this way, during the delay of the operation, the security agency can be dispatched to arrive at the scene to help the criminal arrest.

6 is a flowchart illustrating another embodiment of a transaction delay mode according to the present invention.

If the password verification step confirms that the password is a secure password, the transaction amount must be entered first as in the normal password authentication.If the balance is insufficient, the next delay process cannot be performed. Delay the transaction time as much as possible before or after the transaction cancellation step by delaying the return, and if the balance is sufficient, proceed with the processing procedure for the transaction request normally, but output the virtual obstacle screen during the process. After delaying, the process is terminated by delaying the overall processing operation according to the financial transaction. In the method of delaying time by generating a virtual device failure as described above, it may be delayed by the time required for failure recovery as described above, but the caller may call the attendant to perform a recovery operation. Actively cope with the site situation.

As described above, according to the present invention, if it is determined that the security transaction password is entered in the automated teller machine rather than the normal transaction password, it is determined that the financial transaction request is made by fraudulent use, and the follow-up may be reported to the security authority. In addition, by delaying the operation of the device to be able to arrest the criminal through the organic cooperation with the security agency has the effect of preventing crime, and also has the effect of preventing illegal financial transactions.

In the above description, the technical concept of the operation method for preventing the illegal use of the automatic teller machine according to the preferred embodiment of the present invention has been described with reference to the drawings, but the present invention has been described by way of example only. It does not limit the scope of the invention. It will be apparent to those skilled in the art that various modifications and imitations can be made without departing from the scope of the technical idea of the present invention.

1 is a block diagram of a general automatic teller machine,

2 is a security password implementation according to the present invention, Figure 2 (a) is a separate security password implementation, Figure 2 (b) is a security password implementation using a date of birth,

3 is a flowchart illustrating a password authentication method according to the present invention;

4 is a flowchart showing an example of a security agency reporting procedure;

5 is a flowchart illustrating an embodiment of a transaction delay mode according to the present invention;

6 is a flowchart illustrating another embodiment of a transaction delay mode according to the present invention.

<Explanation of symbols for the main parts of the drawings>

10-input, 12-bankbook / card reader,

14-security device, 16-security camera,

18-security camera unit, 20-central processing unit,

22-display, 24-printing,

26-check and withdrawal, 28-correspondence,

30-cash withdrawal, 40-network,

50-host computer, 51-financial server,

52-authentication server, 53-database.

Claims (6)

Transaction request step by bankbook / card input, the user authentication step to check whether the matching password stored in the database of the authentication server when entering the password through the input unit, if the password is matched in the user authentication step and the financial server and In the method of operating the automated teller machine comprising a financial transaction step of proceeding a transaction request through network communication, Pre-registering a normal transaction password and a secure transaction password in the database of the authentication server; In the financial transaction, if a password for secure transaction is entered in the user authentication step, automatically reporting to the security authority, An operation method for preventing the fraudulent use of the automated teller machine, characterized in that it further comprises a transaction delay step of delaying the financial transaction after the user authentication than the normal transaction. The method of claim 1, wherein the password pre-registration step is to register a separate security password in addition to the password for the subscriber's transaction, and if the security password registered in advance by the subscriber is input in the user authentication step, determine that the password is illegally used. Operational method to prevent fraudulent use of automatic teller machines. The password pre-registration step of claim 1, wherein the password pre-registration step is registered with a password that is not associated with personal identification information, including the social security number and telephone number of the subscriber, and associated with personal identification information including the social security number and telephone number of the subscriber in the user authentication step. Operation method for preventing the fraudulent use of the automated teller machine, characterized in that if the number is entered to determine the fraudulent use. The method of claim 1, wherein the transaction delaying step is to delay processing by a predetermined time than usual for each response result of the processing request of the user. The method of claim 1, wherein the transaction delay step displays that the virtual device failure mode is generated during the response to the processing request of the user, and then recovers after a predetermined time elapses to proceed with the remaining processing procedure. Operational method to prevent fraudulent use of automatic teller machines. The method of claim 1, wherein the step of automatically reporting to the security authority is characterized by transmitting data including installation location information of the device and personal information of the subscriber, such as an installation address, device number, subscriber address, map image, and GPS information. Operation method to prevent fraudulent use of automated teller machines.