CN102393983A - Method for supporting alarm PIN (personal identification number), banking terminal, IC (integrated circuit) card and server - Google Patents
Method for supporting alarm PIN (personal identification number), banking terminal, IC (integrated circuit) card and server Download PDFInfo
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- CN102393983A CN102393983A CN201110344191XA CN201110344191A CN102393983A CN 102393983 A CN102393983 A CN 102393983A CN 201110344191X A CN201110344191X A CN 201110344191XA CN 201110344191 A CN201110344191 A CN 201110344191A CN 102393983 A CN102393983 A CN 102393983A
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- pin value
- pin
- warning
- value
- verification
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1025—Identification of user by a PIN code
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4012—Verifying personal identification numbers [PIN]
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/207—Surveillance aspects at ATMs
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1025—Identification of user by a PIN code
- G07F7/1058—PIN is checked locally
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1025—Identification of user by a PIN code
- G07F7/1075—PIN is checked remotely
Abstract
The embodiment of the invention provides a method for supporting alarm PIN (personal identification number), a banking terminal, an IC (integrated circuit) card and a server. The method comprises the following steps: acquiring a PIN (personal identification number) value input by a banking terminal user; verifying the PIN value; judging whether the PIN value is a correct PIN value or alarm PIN value; if the PIN value is the correct PIN value, carrying out subsequent bank account operation; and if the PIN value is the alarm PIN value, carrying out subsequent bank account operation, and secretly starting alarming. The method for supporting alarm PIN, the banking terminal, the IC card and the server identify whether the card and PIN value are acquired by good will or ill will by using the alarm PIN value, thereby inhibiting crime; and even if the criminal gets the money with the alarm PIN, the criminal can be easily detected, thereby implementing secret alarming. The invention is simple and practical, slightly changes the IC card, device or system, and enhances the security of the payment system.
Description
Technical field
The present invention relates to the banking technicality field, relate in particular to method, banking terminal, IC-card and the server of a kind of PIN that supports to report to the police.
Background technology
Withdraw cash or when consume in the market at ATM (ATM) machine with IC (integrated circuit card) card or magnetic stripe card; One all requires at first to input individual identification password (PIN; Personal Identification Number), individual identification password PIN need to be keep secret.Sometimes we have to again tell others' PIN of oneself, as are held as a hostage.If not telling correct PIN will face life to the hijacker threatens; If tell correct PIN, the offender got escape behind the money everyday.PIN or unusual input PIN are normally imported in can not distinguishing that prior art exists.
All input PIN values are correct, and it is legitimate client that card and system are just assert, transaction just can be carried out.The PIN value of all inputs is incorrect, and it is illegal client that card and system are just assert, transaction just is rejected.What existing card and system identification did not go out this card and PIN value obtains that good will obtains or malice obtains, and the security of its payment system is relatively poor.
Summary of the invention
The embodiment of the invention provides method, banking terminal, IC-card and the server of a kind of PIN that supports to report to the police, and good will obtains card and the PIN value still is that malice obtains card and PIN value to be used for identifying through making of warning PIN value.
On the one hand, the embodiment of the invention provides the method for a kind of individual identification password PIN that supports to report to the police, and said method comprises: the individual identification password PIN value of obtaining banking terminal user input; The said PIN value of verification: judge that said PIN value is correct PIN value or warning PIN value: if correct PIN value is then carried out subsequent banks account operation; If warning PIN value is then carried out subsequent banks account operation, and secret the startup reported to the police.
Optional; In one embodiment of this invention; If said warning PIN value is then carried out subsequent banks account operation, and secret the startup reported to the police; Comprise: if warning PIN value; Then get into bank account that legal holden is provided with in advance letting said user operate, and secret the startup report to the police, the accrediting amount in the bank account that the account balance in the bank account that wherein said legal holden is provided with in advance is provided with less than real account balance and/or said legal holden in advance is less than the real accrediting amount.
Optional; In one embodiment of this invention, if said warning PIN value is then carried out subsequent banks account operation; And secret the startup reported to the police; Comprise:, let said user operate if warning PIN value is then obtained the bank account quota information that legal holden is provided with in advance; And secret the startup report to the police, and the bank account quota information that wherein said legal holden is provided with in advance comprises account balance and comprises the accrediting amount less than the real accrediting amount less than the bank account quota information that real account balance and/or said legal holden are provided with in advance.
Optional; In one embodiment of this invention; After the said individual identification password PIN value of obtaining banking terminal user input; Said method also comprises: as if what obtain is the PIN value of IC card user input, then sends said PIN value to carry out the verification of said PIN value to said IC-card; If what obtain is the PIN value of magnetic stripe card user input, then send said PIN value to carry out the verification of said PIN value to background server.
Optional, in one embodiment of this invention, the said PIN value of said verification also comprises: if judge said PIN value neither correct PIN value is not again a warning PIN value, then point out said banking terminal user to import the PIN value again.
Optional, in one embodiment of this invention, said secret the startup reported to the police, and comprising: through dialling 110 telephone calls automatically, and/or through dialling bank's telephone call under this banking terminal automatically, secretly start warning.
On the other hand, the embodiment of the invention provides the banking terminal of a kind of PIN that supports to report to the police, and the banking terminal of said support warning PIN comprises:
Deriving means is used to obtain the individual identification password PIN value of user's input;
Calibration equipment is used for the said PIN value of verification: judge that said PIN value is correct PIN value or warning PIN value:
Operating means if be used for correct PIN value, then carries out subsequent banks account operation; If warning PIN value is then carried out subsequent banks account operation, and the secret warning device that starts of notice;
Warning device after being used to receive the notice of said operating means, carries out secret and starts warning.
Optional; In one embodiment of this invention; Said operating means if be used for warning PIN value, then gets into bank account that legal holden is provided with in advance to let said user operate; And the secret warning device that starts of notice, the accrediting amount in the bank account that the account balance in the bank account that wherein said legal holden is provided with in advance is provided with less than real account balance and/or said legal holden in advance is less than the real accrediting amount.
Optional; In one embodiment of this invention, if said warning PIN value is then carried out subsequent banks account operation; And secret the startup reported to the police; Comprise:, let said user operate if warning PIN value is then obtained the bank account quota information that legal holden is provided with in advance; And secret the startup report to the police, and the bank account quota information that wherein said legal holden is provided with in advance comprises account balance and comprises the accrediting amount less than the real accrediting amount less than the bank account quota information that real account balance and/or said legal holden are provided with in advance.
Optional; In one embodiment of this invention; The banking terminal of said support warning PIN also comprises: communication device; After being used to obtain the individual identification password PIN value of user's input, be the PIN value of IC-card user input, then send said PIN value to carry out the verification of said PIN value to said IC-card as if what obtain; If what obtain is the PIN value of magnetic stripe card user input, then send said PIN value to carry out the verification of said PIN value to background server.
Optional, in one embodiment of this invention, said calibration equipment also is used for then pointing out said user to import the PIN value again if judge said PIN value neither correct PIN value is not again a warning PIN value.
Optional, in one embodiment of this invention, said warning device comprises: the sub-device that dials automatically, be used for through dialling 110 telephone calls automatically, and/or through dialling bank's telephone call under this banking terminal automatically, and secretly start warning.
Optional, in one embodiment of this invention, the banking terminal of said support warning PIN comprises: ATM, POS machine, bank counter machine.
Another aspect, the embodiment of the invention provide a kind of IC-card, and said IC-card comprises:
First receiving element is used for receiving from the banking terminal PIN value of verification;
First verification unit is used to utilize said PIN value to compare verification, obtains check results;
First transmitting element is used for sending said check results to said banking terminal.
Optional; In one embodiment of this invention; Said first verification unit is used to utilize said PIN value to compare verification, obtains check results; Comprise: if said first verification unit is correct PIN value after being used to utilize said PIN value to compare verification, the said check results of then obtaining is the code of correct PIN value; If be warning PIN value after said first verification unit is used to utilize said PIN value to compare verification, the said check results of then obtaining is the code of warning PIN value; Correct PIN value is not again a warning PIN value if said first verification unit is used to utilize said PIN value to compare after the verification, and the said check results of then obtaining is not neither the correct code of PIN value is again the code of warning PIN value.
On the one hand, the embodiment of the invention provides a kind of server again, and said server comprises:
Second receiving element is used for receiving from the banking terminal PIN value of verification;
Second verification unit is used for utilizing the PIN value of said PIN value and database to compare verification, obtains check results;
Second transmitting element is used for sending said check results to said banking terminal.
Optional; In one embodiment of this invention; Said second verification unit is used to utilize said PIN value to compare verification, obtains check results; Comprise: if said second verification unit is correct PIN value after being used to utilize said PIN value to compare verification, the said check results of then obtaining is the code of correct PIN value; If be warning PIN value after said second verification unit is used to utilize said PIN value to compare verification, the said check results of then obtaining is the code of warning PIN value; Correct PIN value is not again a warning PIN value if said second verification unit is used to utilize said PIN value to compare after the verification, and the said check results of then obtaining is not neither the correct code of PIN value is again the code of warning PIN value.
Technique scheme has following beneficial effect: good will obtains card and the PIN value still is the technological means that malice obtains card and PIN value because of being used for identifying through making of warning PIN value; So realized secret warning; Simple and practical; Transformation to IC-card, device or system is very little, has improved the security of payment system.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art; To do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below; Obviously, the accompanying drawing in describing below only is some embodiments of the present invention, for those of ordinary skills; Under the prerequisite of not paying creative work property, can also obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 support to report to the police for the embodiment of the invention is a kind of method flow diagram of individual identification password PIN;
Fig. 2 support to report to the police for the embodiment of the invention is a kind of banking terminal structure synoptic diagram of PIN;
Fig. 3 is the another kind of banking terminal structure synoptic diagram of supporting warning PIN of the embodiment of the invention;
Fig. 4 adds the banking transaction schematic flow sheet of warning PIN for application example of the present invention;
Fig. 5 is a kind of IC-card structural representation of the embodiment of the invention;
Fig. 6 is that application example of the present invention is to the improved business transaction schematic flow sheet of IC-card;
Fig. 7 for application example of the present invention corresponding to Fig. 6 to the improved business transaction schematic flow sheet in ATM terminal;
Fig. 8 is a kind of server architecture synoptic diagram of the embodiment of the invention;
Fig. 9 is that application example of the present invention is to the improved business transaction schematic flow sheet of magnetic stripe card;
Figure 10 for application example of the present invention corresponding to Fig. 9 to the improved business transaction schematic flow sheet in ATM terminal.
Embodiment
To combine the accompanying drawing in the embodiment of the invention below, the technical scheme in the embodiment of the invention is carried out clear, intactly description, obviously, described embodiment only is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills are not making the every other embodiment that is obtained under the creative work prerequisite, all belong to the scope of the present invention's protection.
As shown in Figure 1, the method flow diagram of the individual identification password PIN that supports for the embodiment of the invention is a kind of to report to the police, said method comprises:
101, obtain the individual identification password PIN value of banking terminal user input;
102, the said PIN value of verification: judge that said PIN value is correct PIN value or warning PIN value:
If 103 correct PIN values are then carried out subsequent banks account operation;
If 104 warning PIN values are then carried out subsequent banks account operation, and secret the startup reported to the police.
Optional; In one embodiment of this invention; If said warning PIN value is then carried out subsequent banks account operation, and secret the startup reported to the police; Comprise: if warning PIN value; Then get into bank account that legal holden is provided with in advance letting said user operate, and secret the startup report to the police, the accrediting amount in the bank account that the account balance in the bank account that wherein said legal holden is provided with in advance is provided with less than real account balance and/or said legal holden in advance is less than the real accrediting amount.
Optional; In one embodiment of this invention, if said warning PIN value is then carried out subsequent banks account operation; And secret the startup reported to the police; Comprise:, let said user operate if warning PIN value is then obtained the bank account quota information that legal holden is provided with in advance; And secret the startup report to the police, and the bank account quota information that wherein said legal holden is provided with in advance comprises account balance and comprises the accrediting amount less than the real accrediting amount less than the bank account quota information that real account balance and/or said legal holden are provided with in advance.
Optional; In one embodiment of this invention; After the said individual identification password PIN value of obtaining banking terminal user input; Said method also comprises: as if what obtain is the PIN value of IC card user input, then sends said PIN value to carry out the verification of said PIN value to said IC-card; If what obtain is the PIN value of magnetic stripe card user input, then send said PIN value to carry out the verification of said PIN value to background server.
Optional, in one embodiment of this invention, the said PIN value of said verification also comprises: if judge said PIN value neither correct PIN value is not again a warning PIN value, then point out said banking terminal user to import the PIN value again.
Optional, in one embodiment of this invention, said secret the startup reported to the police, and comprising: through dialling 110 telephone calls automatically, and/or through dialling bank's telephone call under this banking terminal automatically, secretly start warning.
The embodiment of the invention provides method, banking terminal, IC-card and the server of a kind of PIN that supports to report to the police; Good will obtains card and the PIN value still is that malice obtains card and PIN value to be used for identifying through making of warning PIN value; Realized secret warning; Simple and practical, very little to the transformation of IC-card, device or system, the security that has improved payment system.
As shown in Figure 2, the banking terminal structure synoptic diagram of the PIN that supports for the embodiment of the invention is a kind of to report to the police, the banking terminal of said support warning PIN comprises:
Deriving means 21 is used to obtain the individual identification password PIN value of user's input;
Operating means 23 if be used for correct PIN value, then carries out subsequent banks account operation; If warning PIN value is then carried out subsequent banks account operation, and the secret warning device that starts of notice;
Optional; In one embodiment of this invention; Said operating means 23 if be used for warning PIN value, then gets into bank account that legal holden is provided with in advance to let said user operate; And the secret warning device that starts of notice, the accrediting amount in the bank account that the account balance in the bank account that wherein said legal holden is provided with in advance is provided with less than real account balance and/or said legal holden in advance is less than the real accrediting amount.
Optional; In one embodiment of this invention, if said warning PIN value is then carried out subsequent banks account operation; And secret the startup reported to the police; Comprise:, let said user operate if warning PIN value is then obtained the bank account quota information that legal holden is provided with in advance; And secret the startup report to the police, and the bank account quota information that wherein said legal holden is provided with in advance comprises account balance and comprises the accrediting amount less than the real accrediting amount less than the bank account quota information that real account balance and/or said legal holden are provided with in advance.
As shown in Figure 3; Be the another kind of banking terminal structure synoptic diagram of supporting warning PIN of the embodiment of the invention; The banking terminal of said support warning PIN also comprises except that comprising deriving means 21, calibration equipment 22, operating means 23 and warning device 24: communication device 25, after being used to obtain the individual identification password PIN value of user's input; If what obtain is the PIN value of IC-card user input, then send said PIN value to carry out the verification of said PIN value to said IC-card; If what obtain is the PIN value of magnetic stripe card user input, then send said PIN value to carry out the verification of said PIN value to background server.
Optional, in one embodiment of this invention, said calibration equipment 22 also is used for then pointing out said user to import the PIN value again if judge said PIN value neither correct PIN value is not again a warning PIN value.
Optional, in one embodiment of this invention, said warning device 24 comprises: the sub-device that dials automatically, be used for through dialling 110 telephone calls automatically, and/or through dialling bank's telephone call under this banking terminal automatically, and secretly start warning.
Optional, in one embodiment of this invention, the banking terminal of said support warning PIN comprises: ATM, point-of-sale terminal POS machine, bank counter machine, the embodiment of the invention is not as limit.
As shown in Figure 4, be the banking transaction schematic flow sheet of application example adding warning PIN of the present invention, main business changes judgement and the secret startup flow process that starts warning device that is checking PIN.
The embodiment of the invention provides the banking terminal of a kind of PIN that supports to report to the police; Good will obtains card and the PIN value still is that malice obtains card and PIN value to be used for identifying through making of warning PIN value; Realized secret warning; Simple and practical, very little to the transformation of device, the security that has improved payment system.
As shown in Figure 5, be a kind of IC-card structural representation of the embodiment of the invention, said IC-card comprises:
First receiving element 51 is used for receiving from the banking terminal PIN value of verification;
First transmitting element 53 is used for sending said check results to said banking terminal.
Optional; In one embodiment of this invention; Said first verification unit 52 is used to utilize said PIN value to compare verification, obtains check results; Comprise: if said first verification unit 52 is correct PIN value after being used to utilize said PIN value to compare verification, the said check results of then obtaining is the code of correct PIN value; If be warning PIN value after said first verification unit 52 is used to utilize said PIN value to compare verification, the said check results of then obtaining is the code of warning PIN value; Correct PIN value is not again a warning PIN value if said first verification unit 52 is used to utilize said PIN value to compare after the verification, and the said check results of then obtaining is not neither the correct code of PIN value is again the code of warning PIN value.
As shown in Figure 6, for application example of the present invention to the improved business transaction schematic flow sheet of IC-card.As shown in Figure 7, for application example of the present invention corresponding to Fig. 6 to the improved business transaction schematic flow sheet in ATM terminal.After IC-card was received Verify (verification) the PIN order of sending at the ATM terminal, its COS (Chip Operating System, chip operating system) compared verification to the PIN value; Correct in this way PIN value, then back-checking result's code is 9000, the PIN value of reporting to the police in this way; Then back-checking result's code is 6578; Otherwise compare after the verification neither correct PIN value is not again a warning PIN value, then back-checking result's code is 63Cx.After ATM receives check results in the terminal, just can handle accordingly through judgement.
The embodiment of the invention provides the IC-card of a kind of PIN that supports to report to the police; Good will obtains card and the PIN value still is that malice obtains card and PIN value to be used for identifying through making of warning PIN value; Simple and practical, very little to the transformation of IC-card, the security that has improved payment system.
As shown in Figure 8, be a kind of server architecture synoptic diagram of the embodiment of the invention, said server comprises:
Second receiving element 81 is used for receiving from the banking terminal PIN value of verification;
Second transmitting element 83 is used for sending said check results to said banking terminal.
Optional; In one embodiment of this invention; Said second verification unit 83 is used to utilize said PIN value to compare verification, obtains check results; Comprise: if said second verification unit 83 is correct PIN value after being used to utilize said PIN value to compare verification, the said check results of then obtaining is the code of correct PIN value; If be warning PIN value after said second verification unit 83 is used to utilize said PIN value to compare verification, the said check results of then obtaining is the code of warning PIN value; Correct PIN value is not again a warning PIN value if said second verification unit is used to utilize said PIN value to compare after the verification, and the said check results of then obtaining is not neither the correct code of PIN value is again the code of warning PIN value.
Above-mentioned server can be used as the banking background server.As shown in Figure 9, for application example of the present invention to the improved business transaction schematic flow sheet of magnetic stripe card.Shown in figure 10, for application example of the present invention corresponding to Fig. 9 to the improved business transaction schematic flow sheet in ATM terminal.After magnetic stripe card was received the PIN value of sending at the ATM terminal, it compared verification to the PIN value, correct in this way PIN value; Then the back-checking result is correct PIN value code; The PIN value of reporting to the police in this way, then the back-checking result is warning PIN value code, otherwise compares after the verification neither correct PIN value; Be not again warning PIN value, then back-checking result's code is a PIN value error code.After ATM receives check results in the terminal, just can handle accordingly through judgement.
The embodiment of the invention provides the server of a kind of PIN that supports to report to the police; Good will obtains card and the PIN value still is that malice obtains card and PIN value to be used for identifying through making of warning PIN value; Simple and practical, very little to the transformation of device or system, the security that has improved payment system.
For each account is provided with two PIN, it is the same with prior art that one of them is called normal PIN in the IC/ magnetic stripe card or in the payment system for the embodiment of the invention, and another PIN is called warning PIN.The function of normal PIN is identical with prior art, imports normal PIN, can accomplish existing account's operation.The function of warning PIN is different with prior art, and for IC-card, input warning PIN returns special code, after payment system recognizes special code, still allow to accomplish existing account's operation, but payment system will start alert program; For magnetic stripe card, after payment system is received warning PIN, still allow to accomplish existing account's operation, but payment system also starts alert program.Payment system starts can be related with the warning system of public security organ in the alert program.Terminal location is known in public security organ, and then public security organ will follow the tracks of or arrest this holder accordingly, and then the holder just under the situation that has no to perceive, has been controlled by my public security organ.Contained crime, the criminal promptly uses warning PIN to get money and also comes to light easily.In addition, for the transaction that input warning PIN obtains, remaining sum can not show true remaining sum, and the highest remaining sum shows and can be provided with by legal holden in advance.
Those skilled in the art can also recognize the various illustrative components, blocks (illustrative logical block) that the embodiment of the invention is listed, and unit and step can be passed through electronic hardware, computer software, or both combinations realize.Be the clear replaceability (interchangeability) of showing hardware and software, above-mentioned various illustrative components (illustrative components), unit and step have been described their function generally.Such function is to realize depending on the designing requirement of certain applications and total system through hardware or software.Those skilled in the art can be for every kind of certain applications, and can make ins all sorts of ways realizes described function, but this realization should not be understood that to exceed the scope of embodiment of the invention protection.
Various illustrative logical block described in the embodiment of the invention; Or the unit can pass through general processor, digital signal processor, special IC (ASIC); Field programmable gate array (FPGA) or other programmable logic device; Discrete gate or transistor logic, discrete hardware components, or the design of above-mentioned any combination realizes or operates described function.General processor can be microprocessor, and alternatively, this general processor also can be any traditional processor, controller, microcontroller or state machine.Processor also can realize through the combination of calculation element, for example digital signal processor and microprocessor, a plurality of microprocessors, Digital Signal Processor Core of one or more microprocessors associatings, or any other similarly configuration realize.
The method described in the embodiment of the invention or the step of algorithm can directly embed hardware, the software module of processor execution or the two combination.Software module can be stored in the storage medium of other arbitrary form in RAM storer, flash memory, ROM storer, eprom memory, eeprom memory, register, hard disk, moveable magnetic disc, CD-ROM or this area.Exemplarily, storage medium can be connected with processor, so that processor can read information from storage medium, and can deposit write information to storage medium.Alternatively, storage medium can also be integrated in the processor.Processor and storage medium can be arranged among the ASIC, and ASIC can be arranged in the user terminal.Alternatively, processor and storage medium also can be arranged in the various parts in the user terminal.
In one or more exemplary designs, the described above-mentioned functions of the embodiment of the invention can realize in hardware, software, firmware or this three's combination in any.If in software, realize, these functions can be stored on the media with computer-readable, or are transmitted on the media of computer-readable with one or more instructions or code form.The computer-readable media comprises that the computer storage medium lets computer program transfer to other local telecommunication media from a place with being convenient to make.Storage medium can be the useable medium that any general or special computer can access.For example; Such computer readable media can include but not limited to RAM, ROM, EEPROM, CD-ROM or other optical disc storage, disk storage or other magnetic storage device, or other any can be used to carry or store with instruction or data structure and other can be read the media of the program code of form by general or special computer or general or special processor.In addition; Any connection can suitably be defined as the computer-readable media; For example, if software is through a concentric cable, optical fiber computer, twisted-pair feeder, Digital Subscriber Line (DSL) or also being comprised in the defined computer-readable media with wireless mode transmission such as for example infrared, wireless and microwaves from a web-site, server or other remote resource.Described video disc (disk) and disk (disc) comprise Zip disk, radium-shine dish, CD, DVD, floppy disk and Blu-ray Disc, and disk is usually with the magnetic duplication data, and video disc carries out the optical reproduction data with laser usually.Above-mentioned combination also can be included in the computer-readable media.
Above-described embodiment; The object of the invention, technical scheme and beneficial effect have been carried out further explain, and institute it should be understood that the above is merely embodiment of the present invention; And be not used in qualification protection scope of the present invention; All within spirit of the present invention and principle, any modification of being made, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (17)
1. the method for the individual identification password PIN that supports to report to the police is characterized in that said method comprises:
Obtain the individual identification password PIN value of banking terminal user input;
The said PIN value of verification: judge that said PIN value is correct PIN value or warning PIN value:
If correct PIN value is then carried out subsequent banks account operation;
If warning PIN value is then carried out subsequent banks account operation, and secret the startup reported to the police.
2. support the method for warning PIN according to claim 1, it is characterized in that, if said warning PIN value is then carried out subsequent banks account operation, and secret startup warning, comprising:
If warning PIN value; Then get into bank account that legal holden is provided with in advance to let said user operate; And secret the startup report to the police, and the accrediting amount in the bank account that the account balance in the bank account that wherein said legal holden is provided with in advance is provided with less than real account balance and/or said legal holden in advance is less than the real accrediting amount.
3. support the method for warning PIN according to claim 1, it is characterized in that, if said warning PIN value is then carried out subsequent banks account operation, and secret startup warning, comprising:
If warning PIN value; Then obtain the bank account quota information that legal holden is provided with in advance; Let said user operate; And secret the startup report to the police, and the bank account quota information that wherein said legal holden is provided with in advance comprises account balance and comprises the accrediting amount less than the real accrediting amount less than the bank account quota information that real account balance and/or said legal holden are provided with in advance.
4. support the method for warning PIN according to claim 1, it is characterized in that after the said individual identification password PIN value of obtaining banking terminal user input, said method also comprises:
If what obtain is the PIN value of IC card user input, then send said PIN value to carry out the verification of said PIN value to said IC-card;
If what obtain is the PIN value of magnetic stripe card user input, then send said PIN value to carry out the verification of said PIN value to background server.
5. support the method for warning PIN according to claim 1, it is characterized in that the said PIN value of said verification also comprises:
If judge said PIN value neither correct PIN value is not again a warning PIN value, then point out said banking terminal user to import the PIN value again.
6. like the method for each said support warning PIN among the claim 1-5, it is characterized in that said secret the startup reported to the police, and comprising:
Through automatically dialling 110 telephone calls, and/or through dialling bank's telephone call under this banking terminal automatically, secretly start warning.
7. the banking terminal of the PIN that supports to report to the police is characterized in that the banking terminal of said support warning PIN comprises:
Deriving means is used to obtain the individual identification password PIN value of user's input;
Calibration equipment is used for the said PIN value of verification: judge that said PIN value is correct PIN value or warning PIN value:
Operating means if be used for correct PIN value, then carries out subsequent banks account operation; If warning PIN value is then carried out subsequent banks account operation, and the secret warning device that starts of notice;
Said warning device after being used to receive the notice of said operating means, carries out secret and starts warning.
8. like the banking terminal of the said support warning of claim 7 PIN; It is characterized in that; Said operating means if be used for warning PIN value, then gets into bank account that legal holden is provided with in advance to let said user operate; And the secret warning device that starts of notice, the accrediting amount in the bank account that the account balance in the bank account that wherein said legal holden is provided with in advance is provided with less than real account balance and/or said legal holden in advance is less than the real accrediting amount.
9. like the banking terminal of the said support warning of claim 7 PIN; It is characterized in that; Said operating means; If be used for warning PIN value, then obtain the bank account quota information that legal holden is provided with in advance, let said user operate; And secret the startup report to the police, and the bank account quota information that wherein said legal holden is provided with in advance comprises account balance and comprises the accrediting amount less than the real accrediting amount less than the bank account quota information that real account balance and/or said legal holden are provided with in advance.
10. like the banking terminal of the said support warning of claim 7 PIN, it is characterized in that the banking terminal of said support warning PIN also comprises:
Communication device after being used to obtain the individual identification password PIN value of user's input, is the PIN value of IC-card user input as if what obtain, then sends said PIN value to carry out the verification of said PIN value to said IC-card; If what obtain is the PIN value of magnetic stripe card user input, then send said PIN value to carry out the verification of said PIN value to background server.
11. the banking terminal like the said support warning of claim 7 PIN is characterized in that, said calibration equipment also is used for then pointing out said user to import the PIN value again if judge said PIN value neither correct PIN value is not again a warning PIN value.
12. the banking terminal like each said support warning PIN among the claim 7-11 is characterized in that said warning device comprises:
Automatically the sub-device of dialing is used for through dialling 110 telephone calls automatically, and/or through dialling bank's telephone call under this banking terminal automatically, secretly starts warning.
13. the banking terminal like the said support warning of claim 12 PIN is characterized in that, the banking terminal of said support warning PIN comprises: ATM, point-of-sale terminal POS machine, bank counter machine.
14. an IC-card is characterized in that, said IC-card comprises:
First receiving element is used for receiving from the banking terminal PIN value of verification;
First verification unit is used to utilize said PIN value to compare verification, obtains check results;
First transmitting element is used for sending said check results to said banking terminal.
15., it is characterized in that said first verification unit is used to utilize said PIN value to compare verification, obtains check results, comprising like the said IC-card of claim 14:
If said first verification unit is correct PIN value after being used to utilize said PIN value to compare verification, the said check results of then obtaining is the code of correct PIN value;
If be warning PIN value after said first verification unit is used to utilize said PIN value to compare verification, the said check results of then obtaining is the code of warning PIN value;
Correct PIN value is not again a warning PIN value if said first verification unit is used to utilize said PIN value to compare after the verification, and the said check results of then obtaining is not neither the correct code of PIN value is again the code of warning PIN value.
16. a server is characterized in that, said server comprises:
Second receiving element is used for receiving from the banking terminal PIN value of verification;
Second verification unit is used for utilizing the PIN value of said PIN value and database to compare verification, obtains check results;
Second transmitting element is used for sending said check results to said banking terminal.
17., it is characterized in that said second verification unit is used to utilize said PIN value to compare verification, obtains check results, comprising like the said server of claim 16:
If said second verification unit is correct PIN value after being used to utilize said PIN value to compare verification, the said check results of then obtaining is the code of correct PIN value;
If be warning PIN value after said second verification unit is used to utilize said PIN value to compare verification, the said check results of then obtaining is the code of warning PIN value;
Correct PIN value is not again a warning PIN value if said second verification unit is used to utilize said PIN value to compare after the verification, and the said check results of then obtaining is not neither the correct code of PIN value is again the code of warning PIN value.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110344191XA CN102393983A (en) | 2011-11-03 | 2011-11-03 | Method for supporting alarm PIN (personal identification number), banking terminal, IC (integrated circuit) card and server |
| PCT/EP2012/004601 WO2013064269A1 (en) | 2011-11-03 | 2012-11-05 | A method, transaction unit, terminal unit and backend server unit for processing a personal identification number |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110344191XA CN102393983A (en) | 2011-11-03 | 2011-11-03 | Method for supporting alarm PIN (personal identification number), banking terminal, IC (integrated circuit) card and server |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN102393983A true CN102393983A (en) | 2012-03-28 |
Family
ID=45861291
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201110344191XA Pending CN102393983A (en) | 2011-11-03 | 2011-11-03 | Method for supporting alarm PIN (personal identification number), banking terminal, IC (integrated circuit) card and server |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN102393983A (en) |
| WO (1) | WO2013064269A1 (en) |
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| CN102982267A (en) * | 2012-11-06 | 2013-03-20 | 周万荣 | Safety protection method and system and terminal |
| CN103927824A (en) * | 2013-05-01 | 2014-07-16 | 汪风珍 | Bank card system with warning function |
| CN104036594A (en) * | 2013-12-10 | 2014-09-10 | 深圳怡化电脑股份有限公司 | Alarm method for ATM abnormal withdrawal |
| CN104243476A (en) * | 2014-09-18 | 2014-12-24 | 小米科技有限责任公司 | Account protection method and device |
| WO2017045386A1 (en) * | 2015-09-18 | 2017-03-23 | 京东方科技集团股份有限公司 | Fingerprint recognition method and device for touch screen, and touch screen |
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| CN1810055A (en) * | 2003-06-24 | 2006-07-26 | Lg电信株式会社 | System for mobile interactive financial transaction using mobile communication terminal |
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| CN103927824A (en) * | 2013-05-01 | 2014-07-16 | 汪风珍 | Bank card system with warning function |
| CN104036594A (en) * | 2013-12-10 | 2014-09-10 | 深圳怡化电脑股份有限公司 | Alarm method for ATM abnormal withdrawal |
| CN104243476A (en) * | 2014-09-18 | 2014-12-24 | 小米科技有限责任公司 | Account protection method and device |
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Also Published As
| Publication number | Publication date |
|---|---|
| WO2013064269A1 (en) | 2013-05-10 |
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Application publication date: 20120328 |