CN101236675A - Method for checking bank terminal equipment legitimacy by user mobile phones SMS - Google Patents
Method for checking bank terminal equipment legitimacy by user mobile phones SMS Download PDFInfo
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- CN101236675A CN101236675A CNA2008100596442A CN200810059644A CN101236675A CN 101236675 A CN101236675 A CN 101236675A CN A2008100596442 A CNA2008100596442 A CN A2008100596442A CN 200810059644 A CN200810059644 A CN 200810059644A CN 101236675 A CN101236675 A CN 101236675A
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Abstract
The present invention relates to a method of verifying the legitimacy of bank terminal device by means of mobile phone short message of users. When a user uses a card on a card scanning terminal device, a host system of an online bank randomly generates a one-time effective password and sends the password to the terminal device to be displayed, and the password is sent to a mobile phone of the user through a special mobile phone short message of the bank at the same time; after the user receives the short message through the mobile phone and confirms that the short message is sent from the card issuing bank, the legitimacy of a card scanner is judged according to the consistency of the content information of the short message and the content displayed on the terminal device. A cardholder appoints the verification mode with the card issuing bank in advance and leaves a bound mobile phone number when handling a bankcard. The cardholder has an obligation to compare a plaintext password displayed on the card scanner with the received mobile phone short message and so as to judge and verify the legitimacy of the card scanner before inputting a password during bankcard consumption. The method has the advantage that: users can decide whether to carry out subsequent password input operation or not in time, so as to prevent illegal card scanning terminals from stealing the account numbers and passwords of bankcards.
Description
Technical field
The present invention relates to all kinds of bank card business dealings field in the Financial Informationization, comprise with the magnetic card being other field of authorized certificate, mainly is a kind of method of veritifying the banking terminal device legitimacy by means of short message of mobile telephone of user.
Background technology
At present, cardholding consumer is when using POS machine, ATM, KIOSK machine or other kinds bank card terminal equipment based on card reader, and the holder lacks the means that the legitimacy of these equipment itself is verified.
Although legal bank card terminal all is built-in with the chip of marking equipment, each credit card issuer can be verified the legitimacy of this terminal when on line operation, but this checking is opaque to the user that swipes the card, i.e. user and do not know whether its used terminal has passed through the legitimate verification of bank.Therefore, not online (or not by online validation) forgery terminal device also can imitate profile, the pattern of legal terminal, the flow process and the interface of man-machine interaction fully, lures that the card user swipes the card into, thereby steals card number and password.Therefore the offender can utilize this leak, forges terminal by making, and is placed on some non-central cities or is not easy the place that causes that the user watches out for, as the shop of tourist attraction even in the downtown area of some economic civilization backward areas etc.The end device of swiping the card of these camouflages can be easy to steal the card number information and the password of bank card, then according to the pseudo-card of these information issuings, withdraws deposit in the strange land apace or consumption again.In a single day this pseudo-card is made, just be difficult on the legal terminal of swiping the card they and true card (master card) are made a distinction.
These criminal offences were once very rampant in Europe, Taiwan and some countries of Southeast Asia, brought tremendous loss to the cardholder.In this case, international three biggest banks card tissue: Europay (Continental Europe card, purchased by Master), MasterCard (Master Card) and Visa (Visa) are common initiates to have formulated intelligent chip bank card technology standard: the EMV standard, allow the bank card chipization, ability with the password veritification, computations and the verification that improve card itself, thereby wish to reach higher security, reduce the bank card fraud.At present, has implemented in the whole world or the countries and regions of implementing plan EMV migration have surpassed 30, and distribution meets nearly 200,000,000 of the fiscard of EMV standard, provides to meet the terminal of EMV standard above 2,000,000.The Asian-Pacific area also has more than 10 countries and regions to start the EMV migration plan, and wherein the migration of globality has been finished or carried out in Japan, Korea S, Malaysia, Taiwan.
Though credit card is moved to the EMV chip card, can improve safety of payment, reduce credit card fraud, but change the state payment card system architecture cost of (this framework comprises card, POS terminal, ATM, communication network, switch, host computer system), usually the cost that brings far above potential swindle in bank's survival phase and transaction operation.With regard to China, finish domestic existing credit card and Payment System bulk migration total cost will be up to tens billion of Renminbi.
And this advanced person's chip card designing technique can not be stopped following puppet card and duplicate, such as make with IC chip principle equally, compare the higher SIM cards of mobile phones of credit card cost of manufacture and just can be replicated.
Along with domestic various expansions day by day of using based on the terminal traffic of bank card, use the space and economic and the economic activity of bank card consumption all can increase considerably, because China is populous, the region is extensively diligent, and various places economy, politics and the horizontal difference of cultural development are big, and the scale of flow of personnel is huge day by day in the economic activity, frequency is frequent day by day, supervisor and holder be difficult to specific and comprehensive ground grasp in real time various places bank card terminal development with use situation, swipe the card space that the terminal criminal offence grows and the harm of economic life be can not be ignored of potential puppet.Even if the following chip upgrading of having finished bank card also still needs to take precautions against the risk that the brushing card terminal equipment that utilizes forgery and illegal imitation of brand-name products is stolen and duplicated the bank card information of carrying out.
Particularly, during China does not finish chip card migration as yet, become the safe depression of bank card probably, and utilized by international credit card, bank card swindling gang easily along with relating to the world the increasing of transaction of swiping the card within Chinese territory.Therefore, adopt a kind of that can implement fast, economically viable, improve the scheme of safeguard protection comprehensively, be very important, also be very urgent.
Summary of the invention
The present invention will solve above-mentioned existing issue, a kind of method of veritifying the banking terminal device legitimacy by means of short message of mobile telephone of user is provided, this verification method is by means of handset short message platform, can be when user card punching simultaneously to veritifying sign indicating number by the legal brushing card terminal equipment of veritification and holder's one of mobile phone transmission, the user is when using terminal like this, can compare according to the information that shows on the mobile phone information of receiving and the terminal of swiping the card, verify the legitimacy of the terminal of current use.Because user's phone number is difficult to be gathered, and the forgery terminal generally is difficult to the legitimacy by online validation self, thereby can't receive the veritification sign indicating number that online row is sent, veritify sign indicating number at random even if oneself forge one, also because can't send consistent with it veritification sign indicating number by the special-purpose SMS platform of online row, thereby can't gain user's trust by cheating, also just avoid the risk of input user cipher in forging terminal effectively, thereby increase the difficulty of the password of stealing bank card.
The present invention solves the technical scheme that its technical matters adopts.This method by means of short message of mobile telephone of user veritification banking terminal device legitimacy comprises the steps:
(1.1), the holder is when bidding to host bank card, submit a phone number that is used for receiving the telecommunication short messages relevant to this bank card, credit card issuer provides this row to send the number of short message to the user, be used for correctly distinguishing for the holder source of short message, the database of the phone number of a bank card account number and binding is deposited at the bank card information center;
(1.2), the holder is at the swipe the card card number of input bank card of brushing card terminal equipment, brushing card terminal equipment becomes the device identification of oneself, magnetic card card number encrypted set the online server that is sent to issuing bank behind the message;
(1.3), after online server receives message and deciphering, whether veritify terminal device legal; Terminal device veritifies whether continue to veritify bank magnetic stripe card by the back online server number effective, if bank card number is by veritifying, online server generates one at random and veritifies sign indicating number, the phone number of this bank card binding of online server retrieval and inquisition, and by the veritification sign indicating number of telecommunications SMS platform gateway from this phone number transmission generation of trend;
(1.4), online server send to veritify sign indicating number to brushing card terminal equipment, brushing card terminal equipment shows this veritifications sign indicating number, and waits for holder's affirmation; The holder receives bank short message, checks the veritification sign indicating number in the note and compares checking with veritification sign indicating number on the terminal of swiping the card, and whether differentiate this terminal device legal;
(1.5) if the holder selects to continue operation, can point out input payment password by the brushing card terminal equipment of veritifying, the holder is according to prompting input bank card password, brushing card terminal equipment can be the bank card password, together with the key of other transaction related information with the online server distribution, mail to online server after encrypting, the transaction operation that needs after checking and approving behind the online server veritification payment password.
Described brushing card terminal equipment can in time show a checking of being sent by online server after swiping the card, and identifying code be presented at the prompting holder import before the bank card password.
Described brushing card terminal equipment comprises ATM terminal, business POS terminal, KIOSK automatic vending terminal, insert the card reader of computer PC and have terminal device based on bank card swiping card equipment and display screen.
The described sign indicating number of veritifying is numeral, English alphabet or English alphabet and digital combination.
The effect that the present invention is useful is: effect of the present invention has been to increase the threshold that the forgery bank card terminal carries out the bank card swindle.Stolen or gathered bank card number and holder's phone number even if forge the lawless person of terminal, also because can't use the SMS platform of bank's special use to send information, and the trust that can't gain the user by cheating, thereby reduce the user imports the bank card password in the illegal terminal equipment of camouflage risk.Feature of the present invention and advantage are to make full use of the telecommunications SMS platform that has obtained popular application, veritify the result by bank's private and two kinds of channels of telecommunications network to the legitimacy of user feedback brushing card terminal equipment, remedied unilaterally by the deficiency of brushing card terminal equipment to user feedback, this deficiency is to allow the legitimacy of brushing card terminal equipment self proof oneself.By the contrast of content on note and the terminal, the holder is able to that brushing card terminal equipment is carried out legitimacy and veritifies, thereby can evade the trap of illegal terminal swiping card equipment.
Description of drawings
Fig. 1: related system construction drawing in the embodiment of the invention;
Fig. 2: the business process map that the inventive method is related;
Embodiment
The present invention is further detailed explanation below in conjunction with drawings and Examples.
Native system comprises following a few part composition:
User: the holder of bank card;
ATM；
The ATM front end processor;
The bank main system;
Mobile communication service provider
The bank card operating process.
System as shown in Figure 1.
One, bank card application to get and binding phone number
When bank card master u is the bank card of n at A bank bidding card number, submits the phone number of this card number of binding to, and sign the agreement and the liability statement of arranging to veritify at random sign indicating number, get detailed operation instruction by the mobile phone reception.Agreement is from now on when using all kinds of banking terminal machine bankcard consumption, after swiping the card, terminal can show that is veritified a sign indicating number at random, this veritify at random the sign indicating number can mail on the mobile phone of bank card binding simultaneously, after the user needs demonstration validation, just can enter next operation link (flow processs such as prompting input password password or payment).
Shen Kahou, bank card holder have the right to snap into arbitrary business hall of credit card issuer by effective identity document and bank, the phone number of change binding.
Two, terminal device and the bank pre-machine of being correlated with and the software upgrading of host computer system
Finish the upgrading of the software systems of master of bank and system, ATM front-end system and terminal device, allow system can support new workflow, and can correctly receive and resolve new message protocol.
Three, the mobile communication sms platform of bank card special use
Because the bank card business dealing amount is very big, therefore, the sms platform of a bank and a special use of telco provider's application, the hardware of this service platform places bank center's main frame machine room, places within the security protection system with other host computer systems.
The mobile communication service platform of bank card special use comprises that automatic submission sends the function of relevant short message content.
The mobile communication service platform of bank card special use comprises a database of safeguarding the phone number of bank card account number and binding, and this database and bank card account database branch are arranged.
The mobile communication service platform of bank card special use has the gateway interface to different telco providers, supports to send and the function that receives note to different telco providers.
The service request that the mobile communication service platform of bank card special use sends from dynamic response bank card host computer system, this request generally are to send information specific (the veritification sign indicating number that host computer system generates at random) to particular number.
Four, the bank card change of transaction business flow process of swiping the card
What Fig. 2 described is new transaction operating process:
1, the user inserts bank card before ATM, and the ATM machine for punching the card reads the data of a certain magnetic track, and device identification of self and bank card number are sent to credit card issuer through the communication network encryption;
2, after credit card issuer verification terminal legitimacy and the authenticity, generate one at random and veritify sign indicating number, mail to the ATM terminal, simultaneously in the mobile phone by the binding of SMS platform hairnet number of the account by CVV checking magnetic stripe card;
3, after the ATM terminal receives and veritifies sign indicating number, be shown on the screen;
4, user mobile phone receives the sign indicating number of veritification at random that credit card issuer sends;
5, the short message content received according to mobile phone of user and the displaying contents on the ATM, whether decision continues operation or moves back card.
6, after the user determines to continue operation, the operation of ATM meeting display reminding input PIN password, after the user imported the PIN password, the ATM terminal sent to atm server to user PIN.
7, atm server is verified PIN and card number under the assistance of PIN main frame, sends a correct or wrong information for then the ATM cash dispenser.
Technical scheme of the present invention relates to the relevant front end processor of the software upgrading, credit card issuer information center bank card business of existing bank card terminal equipment and the upgrading of host computer system.The seamless compatibility of this verification method of the present invention and system and existing all kinds of bank card information systems can step by step, stage by stage, the subregion be organized and implemented upgrading.Such as, newly-increased all kinds of bank card business are adopted technical scheme of the present invention, adopt technical scheme of the present invention on new development and the bank card terminal equipment of newly opening, simultaneously progressively upgrading with replace original terminal system.
The software program upgrading of the bank card terminal that the present invention relates to mainly comprises:
1, terminal device is sending to bank card number information after the checking of online bank passes through, in system program, need to increase and receive online bank when sending authorization code, send one and veritify sign indicating number, revise the data message of former reception authorization code and the design of agreement, and the corresponding algorithm of unpacking of deciphering;
2, terminal device increases the link that shows the veritification sign indicating number that receives in software flow;
3, terminal device increases the user to veritifying the man-machine interaction link that sign indicating number is confirmed in software flow, in user's live output NACK messages of input validation information in limiting time not, prompting is moved back card or is directly moved back card, if the user is the confirmation success in limiting time, system enters the link of prompting input transaction password in the original flow process again.
The system upgrade of the credit card issuer information center that the present invention relates to refers to the POS front end processor, the online capable front end processor of other bank card business terminal correspondences of online row of atm server, the POS terminal correspondence of ATM terminal correspondence, and the modification and the software upgrading of operation flow such as bank main system.
The software upgrading of atm server or other relevant front-end processor systems mainly comprises:
Revise former trade confirmation flow process, after receiving the veritification sign indicating number that bank center transmits, the instruction to the bank main system sends other operations of this number of the account of locking sends to terminal then and veritifies sign indicating number.
Increase to wait for that terminal beams back the flow process of user's confirmation, receive user's confirmation that terminal beams back after, send the operation that this number of the account locking is untied in request to the bank main system, after obtaining replying response, send authorization code to terminal.
The modification and the software upgrading of operation flows such as bank main system mainly comprise:
After receiving and verifying the bank card information of the terminal submission of swiping the card, generate one at random and veritify a sign indicating number C, beam back the terminal of swiping the card;
The cell-phone number M of inquiry and bank card binding by the ad hoc mobile communication SMS platform of bank, sends a veritification sign indicating number C to mobile phone M;
After the information that receives and veritify the request locking that the terminal front-end system sends or certain number of the account that unlocks, the current state of checking account number, carry out relevant operation after, beam back operation acknowledgement information.
Technical scheme of the present invention relates to a kind of new traffic criteria and the formulation of message protocol, promptly new based on card reader terminal device and the banking on-line center between new standard criterion and the corresponding message format in operation flow, worked out.Particular content is: bank brushing card terminal equipment and online in receive that at the online center, back of swiping the card terminal sends in the heart device identifier, bank's card number after pass back in the message content of authorization code, increase the data item of " veritifying sign indicating number ".The content that this data item the comprises veritification sign indicating number that to be the bank main system generate in each transaction at random, this veritifications can mail on the mobile phone with bank card binding by means of the telecommunications SMS platform yard simultaneously.Whole message is protected in transmission by unified encryption technology.
The policy environment of non-technical elements of the present invention supports and mainly comprises:
Use contract between bank and bank card user and agreement perfect.In case holder and bank card have been signed the contract engagement of binding mobile phone verification terminal, the obligated change of credit card issuer to holder's prompt terminal transaction flow, and the with good grounds agreement of holder is born the obligation of bank card terminal legitimate verification.
SMS platform, the Short Message Service Gateway use agreement reached between bank and each mobile communication service provider.The special sign indicating number of the short message service of bank's application-specific sends veritifies sign indicating number information, with user friendly memory.
Above-mentioned embodiment and embodiment; just for a kind of embodiment of principle of the present invention is described; but protection scope of the present invention is not limited thereto; anyly be familiar with those skilled in the art; in the technical scheme of public publish of the present invention; small improvement variation and the adaptability revision that can expect easily all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention is as the criterion with the claim instructions.
Claims (4)
1, a kind of method by means of short message of mobile telephone of user veritification banking terminal device legitimacy is characterized in that: comprise the steps:
(1.1), the holder is when bidding to host bank card, submit a phone number that is used for receiving the telecommunication short messages relevant to this bank card, credit card issuer provides this row to send the number of short message to the user, be used for correctly distinguishing for the holder source of short message, the database of the phone number of a bank card account number and binding is deposited at the bank card information center;
(1.2), the holder is at the swipe the card card number of input bank card of brushing card terminal equipment, brushing card terminal equipment becomes the device identification of oneself, magnetic card card number encrypted set the online server that is sent to issuing bank behind the message;
(1.3), after online server receives message and deciphering, whether veritify terminal device legal; Terminal device veritifies whether continue to veritify bank magnetic stripe card by the back online server number effective, if bank card number is by veritifying, online server generates one at random and veritifies sign indicating number, the phone number of this bank card binding of online server retrieval and inquisition, and by the veritification sign indicating number of telecommunications SMS platform gateway from this phone number transmission generation of trend;
(1.4), online server send to veritify sign indicating number to brushing card terminal equipment, brushing card terminal equipment shows this veritifications sign indicating number, and waits for holder's affirmation; The holder receives bank short message, checks the veritification sign indicating number in the note and compares checking with veritification sign indicating number on the terminal of swiping the card, and whether differentiate this terminal device legal;
(1.5) if the holder selects to continue operation, can point out input payment password by the brushing card terminal equipment of veritifying, the holder is according to prompting input bank card password, brushing card terminal equipment can be the bank card password, together with the key of other transaction related information with the online server distribution, mail to online server after encrypting, the transaction operation that needs after checking and approving behind the online server veritification payment password.
2, the method for veritifying the banking terminal device legitimacy by means of short message of mobile telephone of user according to claim 1, it is characterized in that: described brushing card terminal equipment can in time show a checking of being sent by online server after swiping the card, and identifying code be presented at the prompting holder import before the bank card password.
3, according to claim 1 and 2ly veritify the method for banking terminal device legitimacy by means of short message of mobile telephone of user, it is characterized in that: described brushing card terminal equipment comprises ATM terminal, business POS terminal, KIOSK automatic vending terminal, insert the card reader of computer PC and have terminal device based on bank card swiping card equipment and display screen.
4, the method by means of short message of mobile telephone of user veritification banking terminal device legitimacy according to claim 1 and 2 is characterized in that: the described sign indicating number of veritifying is numeral, English alphabet or English alphabet and a digital combination.
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| Application Number | Priority Date | Filing Date | Title |
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| CNA2008100596442A CN101236675A (en) | 2008-01-30 | 2008-01-30 | Method for checking bank terminal equipment legitimacy by user mobile phones SMS |
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| CNA2008100596442A CN101236675A (en) | 2008-01-30 | 2008-01-30 | Method for checking bank terminal equipment legitimacy by user mobile phones SMS |
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Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101872513A (en) * | 2010-05-26 | 2010-10-27 | 交通银行股份有限公司 | Data processing method, device and system based on POS (Point-Of-Sale) machine |
| CN102264050A (en) * | 2011-07-19 | 2011-11-30 | 北京星网锐捷网络技术有限公司 | Network access method, system and authentication server |
| CN102411817A (en) * | 2011-09-19 | 2012-04-11 | 中国工商银行股份有限公司 | Method and system for identifying bank self-service machine |
| CN102571346A (en) * | 2011-12-14 | 2012-07-11 | 深圳市文鼎创数据科技有限公司 | Method and device for preventing password of intelligent secret key device user from being stolen |
| WO2012139350A1 (en) * | 2011-04-09 | 2012-10-18 | 新宝电子科技有限公司 | Method and system for verifying transactor identity on atm |
| CN103488938A (en) * | 2013-09-25 | 2014-01-01 | 江苏众瀛联合数据科技有限公司 | Security verification method and security verification system |
| CN103812822A (en) * | 2012-11-06 | 2014-05-21 | 阿里巴巴集团控股有限公司 | Method and system for safety certificate |
| CN104123487A (en) * | 2014-07-18 | 2014-10-29 | Tcl集团股份有限公司 | Password input method, mobile device, password terminal and password input system |
| CN104157082A (en) * | 2014-07-29 | 2014-11-19 | 中国联合网络通信集团有限公司 | Automatic ticket collecting method and automatic ticket collecting device |
| CN106100854A (en) * | 2016-08-16 | 2016-11-09 | 黄朝 | The reverse authentication method of terminal unit based on authority's main body and system |
| WO2017049478A1 (en) * | 2015-09-23 | 2017-03-30 | 深圳还是威健康科技有限公司 | Payment method and smart wristband |
| CN106991566A (en) * | 2017-03-23 | 2017-07-28 | 上海族蚂信息科技有限公司 | A kind of online interaction data handling system |
| CN107104968A (en) * | 2017-04-27 | 2017-08-29 | 深圳怡化电脑股份有限公司 | Safety certifying method, system, terminal and the storage medium of portable finance device |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101872513A (en) * | 2010-05-26 | 2010-10-27 | 交通银行股份有限公司 | Data processing method, device and system based on POS (Point-Of-Sale) machine |
| CN101872513B (en) * | 2010-05-26 | 2012-09-05 | 交通银行股份有限公司 | Data processing method, device and system based on POS (Point-Of-Sale) machine |
| WO2012139350A1 (en) * | 2011-04-09 | 2012-10-18 | 新宝电子科技有限公司 | Method and system for verifying transactor identity on atm |
| CN102264050A (en) * | 2011-07-19 | 2011-11-30 | 北京星网锐捷网络技术有限公司 | Network access method, system and authentication server |
| CN102264050B (en) * | 2011-07-19 | 2015-03-11 | 北京星网锐捷网络技术有限公司 | Network access method, system and authentication server |
| CN102411817A (en) * | 2011-09-19 | 2012-04-11 | 中国工商银行股份有限公司 | Method and system for identifying bank self-service machine |
| CN102411817B (en) * | 2011-09-19 | 2014-01-01 | 中国工商银行股份有限公司 | Method and system for identifying bank self-service machine |
| CN102571346A (en) * | 2011-12-14 | 2012-07-11 | 深圳市文鼎创数据科技有限公司 | Method and device for preventing password of intelligent secret key device user from being stolen |
| CN103812822A (en) * | 2012-11-06 | 2014-05-21 | 阿里巴巴集团控股有限公司 | Method and system for safety certificate |
| CN103488938A (en) * | 2013-09-25 | 2014-01-01 | 江苏众瀛联合数据科技有限公司 | Security verification method and security verification system |
| CN104123487A (en) * | 2014-07-18 | 2014-10-29 | Tcl集团股份有限公司 | Password input method, mobile device, password terminal and password input system |
| CN104123487B (en) * | 2014-07-18 | 2018-03-27 | Tcl集团股份有限公司 | Cipher-code input method, mobile device, crypto terminal and password input system |
| CN104157082A (en) * | 2014-07-29 | 2014-11-19 | 中国联合网络通信集团有限公司 | Automatic ticket collecting method and automatic ticket collecting device |
| WO2017049478A1 (en) * | 2015-09-23 | 2017-03-30 | 深圳还是威健康科技有限公司 | Payment method and smart wristband |
| CN106100854A (en) * | 2016-08-16 | 2016-11-09 | 黄朝 | The reverse authentication method of terminal unit based on authority's main body and system |
| CN106991566A (en) * | 2017-03-23 | 2017-07-28 | 上海族蚂信息科技有限公司 | A kind of online interaction data handling system |
| CN107104968A (en) * | 2017-04-27 | 2017-08-29 | 深圳怡化电脑股份有限公司 | Safety certifying method, system, terminal and the storage medium of portable finance device |
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