CN101561953A - Safe ATM system and operation method thereof - Google Patents
Safe ATM system and operation method thereof Download PDFInfo
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- CN101561953A CN101561953A CNA2009100397335A CN200910039733A CN101561953A CN 101561953 A CN101561953 A CN 101561953A CN A2009100397335 A CNA2009100397335 A CN A2009100397335A CN 200910039733 A CN200910039733 A CN 200910039733A CN 101561953 A CN101561953 A CN 101561953A
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Abstract
The invention provides a safe ATM system and an operation method thereof. The system comprises an ATM terminal, a bank service center and mobile communication equipment; wherein, the ATM terminal is connected with the bank service center, the mobile communication equipment can be provided with a storage module used for storing user account information, the ATM terminal can be used for reading the user account information of the storage module by means of near field communication and transmitting the user account information into the bank service center to be verified. The invention adopts the method based on mobile key and mobile phone NFC technologies for ATM verification; the mobile key is encrypting and decrypting equipment based on a smart mobile phone, the password and digital certificate of the user are stored in the mobile phone, and the user identity is identified and the information is encrypted by the cryptographic algorithm set in the mobile phone. An NEC chip can be used for storing the information of client account number, a keyboard of the mobile phone is used for inputting the password, a mobile key authenticator system is used for signing, and the signature is transmitted into a banking system, so that ATM ID authentication can be realized by the mobile phone.
Description
Technical field
The invention belongs to the safety technique field of E-Payment, particularly relate to a kind of safe ATM system and operation method thereof.
Technical background
The existing ATM machine all is to carry out the business transaction operation in the mode of plug-in card, and along with the continuous progress of science and technology, the ATM of bank becomes the target that many people spy on.
The main shortcoming of ATM comprises now:
1, camera is installed near ATM, the client inputs the process of password under taking, thus stealing passwords.
2, stop up the bayonet socket of coming in and going out in card gateway dress card reader or with foreign matter, thereby steal the information of credit card even steal credit card.
3, in ATM false keyboard is installed, the password of client's input will be sent in the receiver of annex by network.
If 4 clients need withdraw cash from a plurality of accounts, need must carry many credits card on one's body, then release is inserted one by one, withdraw cash one by one.
This shows that the method for traditional operation A TM machine is very dangerous and inconvenient.
Summary of the invention
The objective of the invention is to overcome the deficiencies in the prior art, provide a kind of safe and reliable and the ATM system of handled easily is arranged.
Another object of the present invention is to according to this ATM system, provide a kind of safe and reliable and the operation method of the ATM system of handled easily is arranged.
In order to realize goal of the invention one, the technical scheme of employing is as follows:
A kind of safe ATM system, comprise ATM terminal, bank service center, described ATM terminal is connected with the bank service center, the present invention also comprises mobile communication equipment, described mobile communication equipment is provided with the memory module of storage user account information, described ATM terminal reads the user account information of this memory module by the close range wireless communication mode, and this user account information is transferred to the bank service center verifies.
The present invention adopts the carrier of mobile communication equipment as the storage user account information, be connected with the ATM terminal by the close range wireless communication mode, both avoided the existing potential safety hazard of existing plug-in card, and brought operational very big convenience because of popularizing of mobile communication equipment.
In the technique scheme, the memory module of described mobile communication equipment adopts the NFC chip, and described ATM terminal is provided with NFC induction type card reader.
Also be provided with communication module between described ATM terminal and the mobile communication equipment, described communication module realizes the transmission of data as the communications conduit of ATM terminal and mobile communication equipment in the mode of Transmission Control Protocol and asynchronous transmission.
Described mobile communication equipment is provided with algorithm management device, key management system, encryption/deciphering system, signature and Verification System; Described algorithm management device is divided into two big classes, comprises symmetric encipherment algorithm manager and rivest, shamir, adelman manager; Described key management system is kept at key information in the mobile communication equipment with the form of encrypting; Described encryption/deciphering system is realized encryption and decryption; Described signature and Verification System realize electronic signature and authentication.
To sum up, ATM terminal of the present invention comprises:
1, NFC induction type card reader: be used for reading the account information in the NFC chip of client's mobile phone.
2, the communication module of getting in touch with mobile communication equipment: realize with Transmission Control Protocol, take the mode of asynchronous transmission to realize the transmission of data.Communication module is at first set up a TCP audiomonitor and listening port, and when port had communication request, communication module taked asynchronous mode to send and accept data between mobile communication equipment and ATM terminal.The encapsulation of data advanced line data before transmission that communication module sends adds type i D and data packet length, reaches the piecemeal transfer files by this mode, and piecemeal is handled the purpose of file.
Mobile communication equipment comprises:
1, the communication module of getting in touch with the ATM terminal, the set communication module of this communication module and ATM terminal is consistent;
2, digital signature, authentication, encryption, decryption system comprise the algorithm management device, key management system, encryption/deciphering system, signature and Verification System,
21) algorithm management device: be divided into two big classes: symmetric encipherment algorithm and rivest, shamir, adelman; Utilize the algorithm management device to increase newly or to delete to algorithm;
22) key management system: select according to the user, key can be kept at any position of mobile communication equipment.Key management system is kept at key information in the mobile communication equipment with optional encrypted form;
23) encryption/deciphering system: the type i D of first extraction algorithm, call corresponding symmetry algorithm then and realize encryption and decryption;
24) signature and Verification System: the type i D of first extraction algorithm, call corresponding asymmetric arithmetic then and realize encryption and decryption;
3, NFC chip is used to preserve user's account information;
4, NFC management of software ic system, the number of the account of preserving when the NFC chip is during more than one, this system can be divided into the NFC chip a plurality of sectors, be used to preserve a plurality of account informations, and with the card reader of ATM terminal agreement, the number of the account that the user is the most frequently used leaves sector 1 (user can select the most frequently used number of the account) in.
Bank service of the present invention center comprises bank comprehensive front end processor and bank's billing and accounting system; Described bank comprehensive front end processor and ATM terminal are connected with the bank billing and accounting system, are used for carrying out protocol conversion and forwarding to the checking request message that receives from the ATM terminal and from the message that bank's billing and accounting system receives; Described bank billing and accounting system is used to verify the user account information that is received.
In order to realize goal of the invention two, the technical scheme of employing is as follows:
The operation method of a kind of ATM system comprises the steps:
(1) user is placed on mobile communication equipment near the ATM terminal;
(2) the ATM terminal reads the user account information that mobile communication equipment is stored by the close range wireless communication mode;
(3) the ATM terminal is sent to the bank service center with the user account information that reads and verifies;
(4) pass through as checking, then allow to carry out the operation of ATM terminal, otherwise refusal.
Operation method of the present invention is by being stored in user account information the mobile communication equipment the inside, adopt the close range wireless communication mode to be read by the ATM terminal, avoided the existing potential safety hazard of existing card insert type, after the ATM terminal reads user account information and passes through the checking of bank service center, can also can further import respective transaction information at Transaction Informations such as ATM terminal input passwords by mobile communication equipment.
In the technique scheme, also comprise the steps:
(21) user imports account password on mobile communication equipment;
(22) mobile communication equipment is encrypted the password of user's input, signs, and sends to the ATM terminal by communication module;
(23) the ATM terminal is forwarded to bank's billing and accounting system to encrypted message after encrypting and the user account information that reads by the bank comprehensive front end processor.
(24) bank's billing and accounting system is carried out signature verification and deciphering to this encrypted message, checks that the password of reserving when whether password opens an account with the client is consistent; As unanimity, then notify the ATM terminal to allow this client that ATM is carried out corresponding operating, otherwise refuse this operation.
As preferable scheme, the concrete steps of the method for operation of the present invention are as follows:
(1) client opens bank account in the bank agency, reserve account password, and generate the symmetric cryptography of the account, the key of decipherment algorithm, and the key that generates the asymmetric encryption be used for signature verification, deciphering is right, and password and user account information are kept at respectively in the key management system and NFC chip of mobile communication equipment;
(2) user hold have the NFC function mobile communication equipment on the ATM terminal, before mobile communication equipment being placed on the NFC induction type card reader of ATM terminal, NFC induction type card reader reads the user account information on the NFC chip of mobile communication equipment, as the transaction request of ATM terminal;
(3) communication module guides the ATM terminal to be connected with mobile communication equipment automatically;
(4) user imports account password on mobile communication equipment, then by signature and Verification System, encryption/deciphering system, in the algorithm management device, randomly drawing a kind of symmetric encipherment algorithm encrypts the encrypted message of input, randomly draw a kind of rivest, shamir, adelman again information is signed, the information after the type information of cryptographic algorithm and the encryption is sent to the ATM terminal by communication module;
(5) the ATM terminal is forwarded to bank's billing and accounting system by the bank comprehensive front end processor with all information encryption type information with information after encrypting and the user account information that reads by NFC induction type card reader;
(6) bank's billing and accounting system extracts encryption algorithm type information earlier, according to the type information, uses corresponding proof of algorithm client signature and deciphering, verifies user cipher then;
(7) after checking is passed through, return authorization information and give the user, and the business that allows the ATM terminal to be correlated with; If checking is unsuccessful, then return error message and give the user, refuse the operation of this ATM terminal simultaneously;
(8) close the trade, disconnect connection.
Mobile communication equipment of the present invention adopts mobile phone, also can adopt the particular terminal of band NFC chip.
The method of ATM checking is carried out in utilization of the present invention based on MOBILE KEY and mobile phone NFC technology, MOBILE KEY is a kind of encryption based on smart mobile phone, decryption device, user's password or digital certificate leave on the mobile phone, utilize the cryptographic algorithm of embedded in mobile phone to realize encrypting to the authentication of user identity and to information.Utilize the NEC chip to preserve the information of customer accounting code,, utilize MOBILE KEY Verification System to sign, send to banking system again, realize utilizing mobile phone to carry out the ATM authentication by at cell phone keyboard input password.
Beneficial effect of the present invention is as follows:
1, safe.At mobile phone end input password, and encrypt, signature, compared with input password in ATM, security is higher, is intercepted even send to behind mobile phone cipher in the way of ATM, and the hacker does not have key, can not crack.
2, support that multiple mode is connected with ATM.Mobile phone can pass through modes such as infrared ray, bluetooth, Wi-Fi and be connected with ATM.
3, bank card information is kept in the mobile phone NFC chip, utilize mobile phone to carry out the ATM authentication, mobile phone is endowed payment function, the client utilizes mobile phone just can carry out ATM and withdraws the money, thereby make this individual terminal devices of mobile phone become a kind of customer account fund and handle media, for the client brings convenience as credit card.
4, a mobile phone can be preserved a plurality of accounts informations, and the client only need be provided with the most frequently used number of the account, and system then reads this number of the account automatically.
Description of drawings
Fig. 1 is a system architecture synoptic diagram of the present invention;
Fig. 2 is the block scheme of communication flow of the present invention;
Fig. 3 is a communication architecture synoptic diagram of the present invention;
Fig. 4 is an operation method process flow diagram of the present invention.
Embodiment
The present invention is described further below in conjunction with accompanying drawing.
Structure of the present invention comprises ATM terminal and mobile phone end two parts as shown in Figure 1.
The ATM terminal comprises:
1, NFC induction type card reader is used to read the customer account information of mobile phone NFC chip.
2, communication system can be passed through digital signature on multiple communication mode such as infrared ray, bluetooth, wireless network and the smart mobile phone, and authentication is encrypted, decryption system communicates.
Mobile phone end comprises:
1, the communication system of mobile phone and ATM;
2, digital signature on the smart mobile phone, authentication, encryption, decryption system;
3, NFC chip;
4, NFC management of software ic system.
Communication architecture of the present invention such as accompanying drawing 2, shown in Figure 3:
Smart mobile phone is realized communicating by letter by communication system with ATM.
ATM realizes communicating by letter with billing and accounting system by the complex front machine.
Concrete operations flow process of the present invention is as shown in Figure 4:
1, the client need arrive first the bank agency and open bank account, reserves account and draws password.And generate the symmetric cryptography of the account, the key of decipherment algorithm, and it is right to generate the key of the asymmetric encryption that is used for signature verification, deciphering.The client is kept at password and accounts information respectively in the key management system and NFC chip of smart mobile phone." PBOC PSAM calliper model " all followed in the preservation of key and accounts information.
2, before client's mobile phone of holding the NFC function is come the ATM terminal, mobile phone is placed on the NFC induction type card reader of ATM terminal before, the NFC card reader reads the customer information on the mobile phone NFC chip, as the transaction request of ATM payment.
3, communication system guides ATM to be connected with mobile phone automatically.(if an ATM and a last client's wireless connections are not also interrupted, the connection before the ATM automatic cutout connects with new client).
4, the client imports account password on mobile phone, then by signature, authentication, encryption/deciphering system, in the algorithm management device, randomly drawing a kind of symmetric encipherment algorithm encrypts the information of above-mentioned input, randomly draw a kind of rivest, shamir, adelman again information is signed, the information after the type information of cryptographic algorithm and the encryption is sent to ATM by communication system.
5, the information of ATM after+,, information is forwarded to billing and accounting system by the complex front machine by the accounts information that the NFC card reader reads encryption type information+encryption.
6, billing and accounting system extracts encryption algorithm type information earlier, according to the type information, uses corresponding proof of algorithm client signature, deciphering, verifies information such as client password then.
7, after checking is passed through, return authorization information and give the client, and the business of being correlated with by ATM; If checking is unsuccessful, then returns error message and give the client.
8, close the trade, disconnect connection.
Claims (9)
1, a kind of safe ATM system, comprise ATM terminal, bank service center, described ATM terminal is connected with the bank service center, it is characterized in that also comprising mobile communication equipment, described mobile communication equipment is provided with the memory module of storage user account information, described ATM terminal reads the user account information of this memory module by the close range wireless communication mode, and this user account information is transferred to the bank service center verifies.
2, ATM according to claim 1 system is characterized in that the memory module of described mobile communication equipment adopts the NFC chip, and described ATM terminal is provided with NFC induction type card reader.
3, ATM according to claim 1 and 2 system, it is characterized in that also being provided with communication module between described ATM terminal and the mobile communication equipment, described communication module realizes the transmission of data as the communications conduit of ATM terminal and mobile communication equipment in the mode of Transmission Control Protocol and asynchronous transmission.
4, ATM according to claim 3 system is characterized in that described mobile communication equipment is provided with algorithm management device, key management system, encryption/deciphering system, signature and Verification System;
Described algorithm management device is divided into two big classes, comprises symmetric encipherment algorithm manager and rivest, shamir, adelman manager;
Described key management system is kept at key information in the mobile communication equipment with the form of encrypting;
Described encryption/deciphering system is realized encryption and decryption;
Described signature and Verification System realize electronic signature and authentication.
5, ATM according to claim 1 system is characterized in that described bank service center comprises bank comprehensive front end processor and bank's billing and accounting system;
Described bank comprehensive front end processor and ATM terminal are connected with the bank billing and accounting system, are used for carrying out protocol conversion and forwarding to the checking request message that receives from the ATM terminal and from the message that bank's billing and accounting system receives;
Described bank billing and accounting system is used to verify the user account information that is received.
6, the operation method of the described ATM of a kind of claim 1 system is characterized in that comprising the steps:
(1) user is placed on mobile communication equipment near the ATM terminal;
(2) the ATM terminal reads the user account information that mobile communication equipment is stored by the close range wireless communication mode;
(3) the ATM terminal is sent to the bank service center with the user account information that reads and verifies;
(4) pass through as checking, then allow to carry out the operation of ATM terminal, otherwise refusal.
7, the operation method of ATM according to claim 6 system is characterized in that also comprising the steps:
(21) user imports account password on mobile communication equipment;
(22) mobile communication equipment is encrypted the password of user's input, signs, and sends to the ATM terminal by communication module;
(23) the ATM terminal is forwarded to bank's billing and accounting system to encrypted message after encrypting and the user account information that reads by the bank comprehensive front end processor.
(24) bank's billing and accounting system is carried out signature verification and deciphering to this encrypted message, checks that the password of reserving when whether password opens an account with the client is consistent; As unanimity, then notify the ATM terminal to allow this client that ATM is carried out corresponding operating, otherwise refuse this operation.
8, according to the operation method of claim 6 or 7 described ATM systems, it is characterized in that the concrete steps of the described method of operation are as follows:
(1) client opens bank account in the bank agency, reserve account password, and generate the symmetric cryptography of the account, the key of decipherment algorithm, and the key that generates the asymmetric encryption be used for signature verification, deciphering is right, and password and user account information are kept at respectively in the key management system and NFC chip of mobile communication equipment;
(2) user hold have the NFC function mobile communication equipment on the ATM terminal, before mobile communication equipment being placed on the NFC induction type card reader of ATM terminal, NFC induction type card reader reads the user account information on the NFC chip of mobile communication equipment, as the transaction request of ATM terminal;
(3) communication module guides the ATM terminal to be connected with mobile communication equipment automatically;
(4) user imports account password on mobile communication equipment, then by signature and Verification System, encryption/deciphering system, in the algorithm management device, randomly drawing a kind of symmetric encipherment algorithm encrypts the encrypted message of input, randomly draw a kind of rivest, shamir, adelman again information is signed, the information after the type information of cryptographic algorithm and the encryption is sent to the ATM terminal by communication module;
(5) the ATM terminal is forwarded to bank's billing and accounting system by the bank comprehensive front end processor with all information encryption type information with information after encrypting and the user account information that reads by NFC induction type card reader;
(6) bank's billing and accounting system extracts encryption algorithm type information earlier, according to the type information, uses corresponding proof of algorithm client signature and deciphering, verifies user cipher then;
(7) after checking is passed through, return authorization information and give the user, and the business that allows the ATM terminal to be correlated with; If checking is unsuccessful, then return error message and give the user, refuse the operation of this ATM terminal simultaneously;
(8) close the trade, disconnect connection.
9, the operation method of ATM according to claim 8 system is characterized in that described mobile communication equipment adopts mobile phone.
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