CN102298810A - Anti-counterfeit method for bank card, bank card with special anti-counterfeit function, and ATM - Google Patents
Anti-counterfeit method for bank card, bank card with special anti-counterfeit function, and ATM Download PDFInfo
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- CN102298810A CN102298810A CN2010102128961A CN201010212896A CN102298810A CN 102298810 A CN102298810 A CN 102298810A CN 2010102128961 A CN2010102128961 A CN 2010102128961A CN 201010212896 A CN201010212896 A CN 201010212896A CN 102298810 A CN102298810 A CN 102298810A
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- bank card
- human body
- biological characteristics
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Abstract
The invention discloses an anti-counterfeit method for a bank card, a bank card with a special anti-counterfeit function, and an ATM (Automatic Teller Machine), which are mainly used for solving the security problem of the bank card. Human biologic characteristics of a cardholder is recorded in the bank card, and in occasions of the bank card, particularly, on the ATM or the counters in banks and shopping malls, an acquisition device and a comparison device for the human biologic characteristic data are configured, while using the bank card, the acquisition device acquires the human biologic characteristics of the card user in the field, the comparison device compares the acquired data with the cardholder human biologic characteristic data recorded in the bank card and judges whether the user is the card holder, so that the bank card is prevented from being embezzled.
Description
Technical field
The present invention relates to bank card and ATM (Automatic Teller Machine), belong to a kind of method and a kind of device of taking precautions against embezzlement of bank card.
Technical background
Bank card is a class service aid of handling the deposit or the withdrawal by issued by banks, for the client.Bank card generally comprises credit card, debit card etc., concrete creditable card, cheque card, auto-teller card, account card and well-informed card etc.
Because various bank cards generally all are that plastics are made, and are mainly used in again and deposit and withdraw and payment by the transfer of account, so be referred to as " plastic money " again.The size of bank card is generally 85.60 * 53.98mm, but other specifications are also arranged.
ATM (Automatic Teller Machine), be ATM, be that bank can be provided with a kind of small-sized machine in the different location, it can utilize (particularly on the magnetic stripe) on bank card record client's basic household data, allows the client can see through bank counter services such as machine be withdrawn deposit, deposited, account transfer.
Because the utilization of the develop rapidly, particularly robot calculator of science and technology constantly enlarges the usable range of bank card.Bring great convenience to daily life.But the thing followed is also more and more by bank card crime, especially be to steal with counterfeit bank card to carry out crime.
At present, bank card is basically all by adopting signature to distinguish or adopting password to be differentiated.
Because the offender by copying bank card, perhaps forges a signature, the stealing passwords method, often can reach and mix the spurious with the genuine, so the counterfeit of bank card happens occasionally with usurping at present, makes bank and client suffer enormous economic loss.
Bank card is a card that has information writing down, and it can be used by real client, also can be used by other people.
So in all texts of present patent application file, in order to narrate convenient and to prevent ambiguity, all refering in particular to " holder " is the client who has handled this bank card; Refer in particular to the people who is using bank card with " user ".Also promptly, presents is described holds that to refer in particular to per capita be the real client who has handled this bank card; Described user all is meant the people who is only just using this bank card.The user may be the also i.e. real client of this bank card of holder, may not be the holder also, but other procurators, or even offender counterfeit, that usurp this bank card.
Summary of the invention
Exist by risk counterfeit, that usurp in order to overcome bank card at present commonly used, the invention provides a kind of method and a kind of implement device, can more effectively prevent bank card by counterfeit, usurp, improve the security of bank card.
In order to achieve the above object, the present invention addresses this problem the technical method that is adopted to be: the information data that records holder's human body biological characteristics on bank card; Accordingly, need read the information and the scene of this record in the occasion of bank card use and compare, to discern the false from the genuine.
Accordingly, the technical scheme that concrete device is adopted is: on the card face picture and text of bank card or on the storer in the card, and record holder's human body biological characteristics data; On the artificial sales counter in bank, market or ATM (Automatic Teller Machine), improve the device of Card Reader, enable to read the information data of the holder's that this bank card writes down human body biological characteristics, and on the artificial sales counter in bank, market or ATM (Automatic Teller Machine), settle human body biological characteristics data collector and human body biological characteristics data comparison device.When bank card uses, user's human body biological characteristics is gathered and is compared, can according to than the result serve accordingly, handle determining whether.
Further, also can be the information data of the human body biological characteristics that is recorded in the holder on the bank card, some or all of data segment, store the lane database of bank into, whether the comparison of networking when bank card uses identifies this bank card and has used the information of non-holder's human body biological characteristics to copy.
If these comparisons, relatively be correct, then serve accordingly, if wrong, then denial of service, and report to the police, confiscate or gulp down card.
Beneficial effect of the present invention:
1, owing to is to have adopted human body biological characteristics as false proof, the anti-means of usurping, and human body biological characteristics everyone is unique basically, thereby its resolution characteristic is very high, so bank card is in case on using, just can effectively prevent stolen.
2, because the collection of human body biological characteristics data and comparison equipment cost are not high, so purchase use easily.
3, because the collection of the human body biological characteristics information that need carry out, the speed of comparison all are very fast, thus the time when not influencing bank card and on bank, market or ATM (Automatic Teller Machine), using also can not increase staff's work burden.
The collection of required human body biological characteristics data, be in the bank card use, directly the user to be scanned sampling, what pass through is specialized equipment, no matter be scanning collection fingerprint, or the profile of the iris of human eye, people's face etc., in use moment finishes, especially be the scanning of people's face, not only saved time, convenient but also safety and sanitation.
The comparison of required human body biological characteristics data is directly carried out man-to-man comparison to data that write down on the card and on-the-spot data when being to use, owing to do not need to carry out comparing one by one of mass storage data, so very short especially on the time.
Description of drawings
The invention will be further described below in conjunction with drawings and Examples.
Fig. 1 is a kind of the have extraordinary false proof bank card and principle of work block diagram of ATM (Automatic Teller Machine).
Among the figure, 1, bank card, 2, ATM (Automatic Teller Machine), 21, reader device, 22, control device, 23, the human body biological characteristics data collector, 24, human body biological characteristics data comparison device.
Specific implementation method
In Fig. 1, the picture and text of the card face in the bank card (1) or the storer in card record has the information data of holder's human body biological characteristics, and it can be one or more the information of features such as profile of iris, people's face of fingerprint, the human eye of human body.These information can be processed into the certain form and the data of standard.These data can be direct data; Also can be through ciphered data.If these data are recorded on the card face, also can be forms such as bar code, two-dimension code.
The graph text information of card face can be the form record by printing or protruding system; Storer in the card can be magnetic stripe or IC integrated circuit.
After the user inserted ATM (Automatic Teller Machine) (2) to bank card (1), the reader device (21) in the ATM (Automatic Teller Machine) (2) can be read the routine information that this bank card (1) write down and the information data of the corresponding human body biological characteristics of holder.Wherein, routine information is directly sent into control device (22).
Simultaneously, ATM (Automatic Teller Machine) (2) is opened human body biological characteristics data collector (23) wherein automatically, and the acquisition port of harvester can be positioned on the panel, can gather user's human body biological characteristics data easily.
These information after treatment, the data of the human body biological characteristics information that is stored in the holder on the card of reading with card reader are sent into human body biological characteristics data comparison device (24) and are compared, the result of comparison sends into control device (22) again.Like this, ATM (Automatic Teller Machine) (2) just can be automatically be determined to handle according to the result of comparison, if comparison correctly then corresponding service is provided, if do not conform to then warn or gulp down card.
For sales counter in bank, perhaps in the sales counter in market, can handle so too, as long as the harvester of reader device and human body biological characteristics data and the equipment of comparison device are installed independently, just can finish above-mentioned such discriminating.
In real work, if the client needs the through committing others to use bank card, can authorize the cancellation feature comparison, with convenient actual the use temporarily.
Equally, in real work, implant the human body biological characteristics information data of oneself for the delinquency prevention molecule when copying other people bank card, bank can be stored in the part of the human body biological characteristics information that is stored in the holder on the bank card or complete data segment in the database of bank.During use, carry out three parts comparison, just can more effectively prevent counterfeit with usurp.Especially,, both reduced the pressure of the database of bank, can reach identification result equally again if the data segment of a part of characteristic information is existed in the database.
Claims (6)
1. a kind of method for anti-counterfeit of bank card, bank card is meant and comprises credit card, debit card interior by issued by banks, handle all kinds of cards of the deposit or the withdrawal for the holder, the picture and text of its card face and the storer in the card can record card sending mechanism and holder's relevant information data, described storer comprises magnetic stripe and IC chip memory, bank card can be utilized by the user, can be at bank counter, market sales counter and have the place of ATM (Automatic Teller Machine) to consume, withdraw deposit, deposit, services such as account transfer, it is the real client who has handled this bank card that holder described here refers in particular to, described user makes a comment or criticism using the people of this bank card, it is characterized in that: when applying for card, the information data of holder's human body biological characteristics, directly be recorded on the picture and text or the storer in the card of card face of bank card, occasion in the bank card use, to gather the information data of user's human body biological characteristics more at the scene, the information data of the holder's who writes down on the information data of the user's who gathers human body biological characteristics and the bank card human body biological characteristics is compared, whether identify both is same individual, simultaneously also can be the information data of the human body biological characteristics that is recorded in the holder on the bank card, some or all of data segment stores the lane database of bank into, the comparison of when bank card uses, networking, whether identify this bank card has used the information of non-holder's human body biological characteristics to copy, perhaps bank card is only comparing on the information of collection in worksite and the bank card in use, does not do above-mentioned networking comparison.
2. according to the method for anti-counterfeit of claims 1 described bank card, that realizes a kind ofly has extraordinary false proof bank card and an ATM (Automatic Teller Machine), ATM (Automatic Teller Machine) (2) is meant a kind of machine that bank can be provided with in the different location, this machine has the reader device of comprising (21), control device (22) is at interior various devices, ATM (Automatic Teller Machine) (2) can be read the related data that bank card (1) is gone up record by reader device, and can allow the user utilize bank card (1) to withdraw deposit through this machine, deposit, account transfer waits the bank counter service, it is characterized in that: the record on bank card of the information data of holder's human body biological characteristics, can be to be printed on the card face of bank card (1), also can be stored in the storer of bank card (1), also can be to be printed on simultaneously on the card face and to be stored in the storer, reader device (21) in the ATM (Automatic Teller Machine) (2) can be read the information data of the holder's that this bank card (1) write down human body biological characteristics, and ATM (Automatic Teller Machine) (2) also has human body biometric data acquisition device (23) and human body biological characteristics data comparison device (24), human body biological characteristics data collector (23) can the instantaneous acquiring user the information data of human body biological characteristics, deliver to human body biological characteristics data comparison device (24) after treatment, human body biological characteristics data comparison device (24) is compared the information data of the holder's who reads on the data of acquisition process and the bank card (1) human body biological characteristics, analyze whether user and holder are same people, its result delivers to control device (22), control device (22) is served accordingly again according to its result, handle.
3. according to claims 2 are described extraordinary false proof bank card arranged, it is characterized in that: the human body biological characteristics that is recorded in the holder on the bank card (1), can be in the fingerprint, iris, face characteristic of holder's human body one or more, the information data of described human body biological characteristics, be meant these human body biological characteristics information quantization data.
4. according to claims 2 are described extraordinary false proof bank card arranged, it is characterized in that: the information data of the human body biological characteristics of on the card face of bank card (1), printing, can be direct data, also can be ciphered data, its labeling form can be one or more in conventional numeral, bar code, the two-dimension code, and the data that write down at storer (12) can be direct data, also can be ciphered data.
5. according to claims 2 are described extraordinary false proof ATM (Automatic Teller Machine) arranged, it is characterized in that: the human body biological characteristics data collector (23) in the ATM (Automatic Teller Machine) (2), it can be the fingerprint acquisition device of human body, the iris harvester, in the face characteristic harvester one or more, the information data of the human body biological characteristics of being gathered, be meant these human body biological characteristics information quantization data, human body biological characteristics data comparison device (24), it can be the fingerprint comparison device of human body, the iris comparison device, in the face characteristic comparison device one or more, the information data of the human body biological characteristics of being compared, be meant these human body biological characteristics information quantization data.
6. according to claims 2,3,4,5 are described extraordinary false proof bank card and ATM (Automatic Teller Machine) arranged, it is characterized in that: bank card (1) or ATM (Automatic Teller Machine) (2) are not rely on the other side and can be self-existent, reading and comparing of human body biological characteristics data on the bank card (1) can be implemented at bank counter or market sales counter.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010102128961A CN102298810A (en) | 2010-06-28 | 2010-06-28 | Anti-counterfeit method for bank card, bank card with special anti-counterfeit function, and ATM |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010102128961A CN102298810A (en) | 2010-06-28 | 2010-06-28 | Anti-counterfeit method for bank card, bank card with special anti-counterfeit function, and ATM |
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| Publication Number | Publication Date |
|---|---|
| CN102298810A true CN102298810A (en) | 2011-12-28 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2010102128961A Pending CN102298810A (en) | 2010-06-28 | 2010-06-28 | Anti-counterfeit method for bank card, bank card with special anti-counterfeit function, and ATM |
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| CN (1) | CN102298810A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103400180A (en) * | 2013-04-02 | 2013-11-20 | 谢济鸿 | Iris authenticated bank card |
| CN104715537A (en) * | 2015-04-03 | 2015-06-17 | 成都爱维科创科技有限公司 | Encryption and decryption method based on digital tags |
| CN104835039A (en) * | 2015-04-03 | 2015-08-12 | 成都爱维科创科技有限公司 | Data label generation method |
| CN105095944A (en) * | 2015-08-26 | 2015-11-25 | 广西小草信息产业有限责任公司 | Anti-theft bank card and ATM bank card swiping anti-theft method |
-
2010
- 2010-06-28 CN CN2010102128961A patent/CN102298810A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103400180A (en) * | 2013-04-02 | 2013-11-20 | 谢济鸿 | Iris authenticated bank card |
| CN104715537A (en) * | 2015-04-03 | 2015-06-17 | 成都爱维科创科技有限公司 | Encryption and decryption method based on digital tags |
| CN104835039A (en) * | 2015-04-03 | 2015-08-12 | 成都爱维科创科技有限公司 | Data label generation method |
| CN105095944A (en) * | 2015-08-26 | 2015-11-25 | 广西小草信息产业有限责任公司 | Anti-theft bank card and ATM bank card swiping anti-theft method |
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Application publication date: 20111228 |