CN102592378A - POS machine having unauthorized card swiping prevention function - Google Patents

POS machine having unauthorized card swiping prevention function Download PDF

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Publication number
CN102592378A
CN102592378A CN2012100515649A CN201210051564A CN102592378A CN 102592378 A CN102592378 A CN 102592378A CN 2012100515649 A CN2012100515649 A CN 2012100515649A CN 201210051564 A CN201210051564 A CN 201210051564A CN 102592378 A CN102592378 A CN 102592378A
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card
bank
network
transaction
unit
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CN2012100515649A
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Chinese (zh)
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胡乐乐
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Individual
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Individual
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Abstract

The invention provides a POS machine apparatus having an unauthorized card swiping prevention function. The POS machine apparatus comprises a master control unit, a communication unit, a magnetic strip reading unit, an input unit, a display unit and a printing unit. The apparatus can be formed by an intelligent terminal and peripheral equipment having magnetic strip reading and bill printing functions; and the intelligent terminal and the peripheral equipment are connected by a USB and a bluetooth interface. Besides, the display unit of the apparatus can display a card owner signature picture and a facial photo when the card is swiped, wherein the card owner signature picture and the facial photo are obtained from a bank network; and a merchant cashier can confirm or cancel card swiping transaction based on the card owner signature picture and the facial photo; therefore, it can be prevented that the bank card is swiped without authorization of the card owner. According to the invention, an existing bank card security system is fully utilized and there is no need to replace a bank card and bank network equipment; and realization cost is low; therefore, the POS machine apparatus has a good popularization value.

Description

A kind of POS machine with illegal function
Technical field
The present invention relates to the bank card brushing card device, relate in particular to the POS machine that comprehensive utilization image processing techniques and network transmission technology prevent the behavior of bank card robber brush.
Background technology
Along with sustainable development of economy, bank card has become indispensable article in people's life, and a large amount of businessmans also provide the service of swiping the card of POS machine, for the consumer brings very big facility.Present common practice is: the holder needs to sign behind at bank card, so that user's signature is checked by businessman during bankcard consumption.But done a tangible drawback like this, in case be exactly that bank card is stolen, robber's card person is easy to imitate card master signature robber and brushes bank card, thereby finds and take measures to block the main economic loss that causes with regard to giving before the card master.Therefore, consumer, bank and businessman all need a kind of method and apparatus that prevents to steal the brush credit card, in order to the consumption safety of protection credit card and the legitimate rights and interests of oneself.
Chinese patent 200510110598.0 proposes a kind of method and system that prevents embezzlement of bank card, is employed in the way that adds card master or authorized user people face information in the bank card and guarantees that the user is a validated user.Though this method can greatly improve the security of bank card on principle, need the upgrading bank card system equally, comprise the bank card in user's hand, the POS machine and the ATM of trade company, need pay high cost and just can achieve the goal.Chinese patent 200710125086.0 proposes the another kind of method and system that prevents embezzlement of bank card; This method is utilized the Mobile Phone Locating technology; Elder generation's consumer positioning mobile phone location and POS machine or ATM position that transaction takes place when the user uses bank card; Whether judge both at same position, if then allow transaction to accomplish, otherwise the refusal transaction.Though this method can be improved the security of bank card to a certain extent; But the inconvenience that also brings some to use to the user; Must carry mobile phone simultaneously when promptly using bank card, prior defective is, because Mobile Phone Locating and POS machine, ATM locating accuracy are all very limited; This method is easy to cause erroneous judgement, thereby use brings unnecessary trouble or stays opportunity to the offender to actual user.
In computer graphics disposal technology; Multiple Image Compression is arranged; Like GIF (Graphics Interchange Format-GIF(Graphic Interchange format)), JPEG (Joint Photographic Experts Group-associating photo expert group), PNG (Portable Network Graphics-portable network picture) or the like; They can be with the graphic file that is stored as certain picture format after the image information processed compressed; Make file size greatly reduce to have kept again simultaneously the main information of original image, help storage and the transmission of image information at computer network.Along with broadband access technology and development of wireless communication devices, the POS machine of any businessman also is easy to enter the Internet through wired or wireless broadband technology Anywhere, and then connects the business management system of bank.The present invention promptly fully utilizes image processing techniques and network technology, proposes a kind of low cost, implements bank card anti-theft brush method and device easily, and it is low that the method need not change when swiping the card user's and businessman operating habit, implementation cost.
Summary of the invention
The present invention proposes a kind of bank card brushing card device with illegal function, and this device comprises
A) other functional unit work is in charge of and is controlled to main control unit, and accomplish exchanges data and processing between each unit, accomplishes and the bank network Transaction Information of swiping the card alternately through communication unit simultaneously;
B) magnetic stripe reading unit is responsible for when user card punching, reading the bank card magnetic strip information, and is sent to main control unit;
C) communication unit is responsible for connecting the bank card business network, in the Transaction Information transmitting-receiving of swiping the card between completion and the bank network under the main control unit control;
D) input block is responsible for receiving the dealing money and the operational order of user's input and being sent to main control unit;
E) display unit is responsible for display operation information and card main signature picture and facial photo when transaction;
F) print unit is responsible for printout transaction document under main control unit control.
The Transaction Information of swiping the card between said communication unit and the bank network comprises that said device sends the Trading Authorization application, confirms the transaction or the information that Cancels Transaction to merchant bank, and bank network the agreement mandate or the refusal authorized order that return.
Said Trading Authorization application comprises bank's card number, dealing money, trade company and brushing card device identity identification information and transaction classification information; The agreement authorization message that said bank network returns comprises the authorized order and main signature picture and the facial photo of card of credit card issuer agreement transaction.
Said Trading Authorization application is successfully obtained bank card number, is successfully obtained dealing money and confirm the transmission of instruction back through input block through the magnetic stripe reading unit at said device; The said affirmation transaction or the information that Cancels Transaction are obtained the cashier of trade company by said input block and are confirmed or refuse to send after instruction of this transaction of swiping the card after the agreement authorization message that bank network returns is received and shown to said device.
Said card master's signature picture and facial photo are gathered when issuing this bank card and are passed through by issuing bank and be kept at bank card authentication center after digitalization compressed is handled.
Said communication unit connects bank network to be realized through wired or wireless mode; Wherein wired mode comprises the Cable Modem that carries through the ADSL Modem (modulator-demodular unit) that is carried by telephone wire, by cable TV network, by the optical communication Modem access band communication network of bearing optical fiber and then connect bank network, wireless mode comprises through cdma network, GSM network, CDMA2000/EVDO network, WCDMA network, TD-SCDMA network, WiMAX network, LTE network or they at from now on evolvement network access band communication network and then connect bank network.
Said bank card brushing card device is made up of an intelligent terminal and the peripheral hardware with printing, magnetic stripe read functions, and the two connects through USB or blue tooth interface.
The present invention also proposes the POS of franchised business of a kind of bank machine, and this POS machine comprises all characteristics of above-mentioned bank card brushing card device.
After the detailed description in conjunction with the advantages embodiment of the present invention, other characteristics of the present invention and advantage will become clearer.
Description of drawings
Fig. 1 is a POS machine card-punching system synoptic diagram;
Fig. 2 is apparatus of the present invention functional block diagrams;
Fig. 3 is the workflow synoptic diagram of apparatus of the present invention when swiping the card;
Fig. 4 is the information interaction synoptic diagram of apparatus of the present invention and bank network when normally swiping the card;
Fig. 5 is the information interaction synoptic diagram of apparatus of the present invention and bank network when swiping the card unusually;
Fig. 6 is the synoptic diagram of a kind of embodiment of apparatus of the present invention;
Embodiment
Specify embodiment of the present invention below in conjunction with accompanying drawing.
Fig. 1 is present POS machine card punching safety crime prevention system synoptic diagram, comprising entity function unit such as user's bank card, the POS machine that is arranged on each franchised business, merchant bank, issuing bank, payment gateways.Not need swiping the card of trading password to be operating as example, concrete steps are following:
User's transaction of on the POS of trade company machine, swiping the card, the POS machine reads the bank card number that is stored on the magnetic stripe in real time;
The POS machine sends the Trading Authorization application to merchant bank, comprising user's the data of swiping the card;
User's the data of swiping the card is checked by merchant bank; If find the non-one's own profession distribution of this bank card; Then send to issuing bank's request payment through will the swipe the card collecting account data of data and corresponding trade company of payment gateway; Otherwise receive single file and be credit card issuer, issuing bank carries out authentication to information such as the bank card number in the data of swiping the card, mandate amounts, through sending authorized order to the POS machine in the back;
Credit card issuer is to the operation of withholing of this user account;
Printed tickets was handed over the people's signature of swiping the card after the POS machine received the authorized order of credit card issuer, and trade company checks swipe the card people's signature and the bank card back side card master back of signing and accomplishes follow-up transaction and operate.
Above-mentioned bank card comprises the credit card, debit card, debt-credit card of each commercial bank distribution etc.; The said data of swiping the card comprises bank card account data, POS identity identification data, type of transaction, dealing money etc.; Said payment gateway is meant to each commercial bank provides the message exchange of bank card inter-bank and the bank card business of clearance service accepts network, comprises China Unionpay's card network, VISA network, American Express Card network, Master Card network etc.
This shows that bank card is in a single day stolen, steal the card person and be easy to imitate bank card and endorse and steal brush, and judge the true and false that is difficult to differentiate signature simply by virtue of the cashier's of trade company naked eyes.
The present invention proposes a kind of prevention method for this reason, specifically may further comprise the steps:
1) gathers user's signature and facial photo during credit card issuer bank of issue card, be kept in the bank card authentication central server;
2) when user card punching is consumed; Issuing bank carries out authentication in completion to information such as the bank card number in the data of swiping the card, mandate amounts and not only sends authorized order to the POS machine later on; Also send this bank card card master's signature picture and facial photo simultaneously, be used for the cashier of trade company and differentiate whether the person of swiping the card blocks the master in person.
Adopt said method, no longer need block main signature on user's bank card, so just avoided the risk that bank card is lost, brush is stolen in stolen back by the counterfeit signature of people.
Above-mentioned user's signature can convert the signature of user on paper document the output of to electronic pictures form through optoelectronic scanning or image imaging technology (as the imaging of taking pictures); Perhaps adopt the handwriting screen technology directly to gather user's electronic signature and output, the electronic pictures that adopts Image Compression will comprise user's signature information then is compressed into and is suitable for the network storage and image transmitted file.And the collection of facial photo can be carried out through digital photographing or shooting mode, also can be generated by the photo scanning that the user submits to, adopts Image Compression that it is compressed into then equally and is suitable for the network storage and image transmitted file.
The POS machine functional block diagram of using the inventive method is as shown in Figure 2, comprising master control, magnetic stripe read, communicate by letter, import, show, functional unit such as printing.
Other functional unit work is in charge of and is controlled to main control unit, and accomplish exchanges data and processing between each unit, accomplishes with the Transaction Information at bank authentication center mutual through communication unit simultaneously;
The magnetic stripe reading unit is responsible for when user card punching, reading the bank card magnetic strip information, and is sent to main control unit;
Communication unit is responsible for connecting the bank card business network through wired or wireless mode, and authorized order and user's signature and the user's facial photo picture that under main control unit control, returns to merchant bank's transmission Trading Authorization application, reception credit card issuer also is sent to main control unit;
Input block is responsible for receiving the dealing money and the operational order of user's input and being sent to main control unit;
Display unit is responsible in when transaction display operation information and from the card master that credit card issuer obtains sign picture and facial photo;
Print unit is responsible for printout transaction document under main control unit control.
As shown in Figure 3, when swiping the card transaction, above-mentioned POS machine workflow is following:
1) the magnetic stripe reading unit reads bank card information and is sent to main control unit;
2) main control unit is through display unit display reminding information, and dealing money is imported in prompting;
3) after input block obtains the dealing money of user's input, main control unit sends the Trading Authorization application through communication unit to merchant bank, wherein comprises information such as bank's card number, dealing money, trade company and POS identity identification information and transaction classification;
4) communication unit receives that being sent to main control unit behind the reply message that bank network returns does further judgement, if return be the refusal authorized order then, close the trade through display unit output Fail Transaction information; Otherwise if return be successfully main signature of authorized order and card and photo, then print the transaction document and supply the person's of swiping the card signature through print unit, display unit display card master sign picture and facial photo, be convenient to the cashier of trade company differentiate the person of swiping the card whether block main I; If trade company confirms the person's of swiping the card identity then through the trading instruction of input block input validation, the instruction otherwise input Cancels Transaction;
5) when input block obtained the trade confirmation instruction of the cashier of trade company input, main control unit sent trade confirmation information through communication unit to bank network; Otherwise send the information that Cancels Transaction to bank network, comprising the reason that Cancels Transaction.
Bank network is gone after receiving the affirmation Transaction Information that the POS machine sends again and is withholdd, and as if receiving the information of Cancelling Transaction, can send information to blocking main mobile phone, reminds and blocks primary attention strick precaution robber brush.The main mobile phone of the said card mobile phone that to be credit card issuer obtain when this bank card of distribution binds with the holder.
Message interaction process in the above-mentioned flow process between POS machine and the bank network such as Fig. 4 and shown in Figure 5.
Above-mentioned POS machine has multiple implementation; Can utilize existing POS machine to carry out function expansion and enhancing; As communication unit is strengthened to having the module of broadband access ability, display unit is expanded to the display screen that is fit to Show Picture, simultaneously with main control software upgrading or the like.Also can utilize market existed commercial intelligent terminal to cooperate a peripheral hardware to realize that as shown in Figure 6, intelligent terminal possesses wireless access function, accomplish master control, input, demonstration and communication unit function with printing, magnetic stripe read functions.Connect through USB or blue teeth wireless between intelligent terminal and the peripheral hardware.
The present invention makes full use of existing bank card security system, need not change bank card and bank network equipment, and implementation cost is cheap, has excellent popularization and is worth.
Do not depart from the scope of the present invention and conceive, the foregoing invention device can be made multiple change and distortion, and much changing is conspicuous for those of ordinary skill in the art.The mode that connects bank network like the communication unit of above-mentioned POS machine comprises wired or wireless mode; Wherein wired mode comprises the Cable Modem that carries through the ADSL Modem (modulator-demodular unit) that is carried by telephone wire, by cable TV network, by the optical communication Modem of bearing optical fiber or the like access band communication network and then connect bank network, wireless mode comprises through cdma network, GSM network, CDMA2000/EVDO network, WCDMA network, TD-SCDMA network, WiMAX network, LTE network or they at from now on evolvement network access band communication network and then connect bank network.Description of the invention provides for example, is not the disclosed form that exhaustively perhaps limit the invention to.Selecting and describing embodiment is for better explanation principle of the present invention and practical application, thereby and makes those of ordinary skill in the art can understand the various embodiment that have various modifications that the present invention's design is suitable for special-purpose.Scope of the present invention is confirmed by appended claims.

Claims (8)

1. the bank card brushing card device with illegal function is characterized in that said device comprises
A) other functional unit work is in charge of and is controlled to main control unit, and accomplish exchanges data and processing between each unit, accomplishes and the bank network Transaction Information of swiping the card alternately through communication unit simultaneously;
B) the magnetic stripe reading unit is responsible for when user card punching, reading the bank card magnetic strip information, and is sent to main control unit;
C) communication unit is responsible for connecting the bank card business network, in the Transaction Information transmitting-receiving of swiping the card between completion and the bank network under the main control unit control;
D) input block is responsible for receiving the dealing money and the operational order of user's input and being sent to main control unit;
E) display unit is responsible for display operation information and card main signature picture and facial photo when transaction;
F) print unit is responsible for printout transaction document under main control unit control.
2. device according to claim 1; It is characterized in that; The Transaction Information of swiping the card between said communication unit and the bank network comprises that said device sends the Trading Authorization application, confirms the transaction or the information that Cancels Transaction to merchant bank, and bank network the agreement mandate or the refusal authorized order that return.
3. device according to claim 2 is characterized in that, said Trading Authorization application comprises bank's card number, dealing money, trade company and brushing card device identity identification information and transaction classification information; The agreement authorization message that said bank network returns comprises the authorized order and main signature picture and the facial photo of card of credit card issuer agreement transaction.
4. device according to claim 2 is characterized in that, said Trading Authorization application is successfully obtained bank card number, successfully obtained dealing money and confirm the transmission of instruction back through input block through the magnetic stripe reading unit at said device; The said affirmation transaction or the information that Cancels Transaction are obtained the cashier of trade company by said input block and are confirmed or refuse to send after instruction of this transaction of swiping the card after the agreement authorization message that bank network returns is received and shown to said device.
5. according to each described device of claim 1-4, it is characterized in that said card master's signature picture and facial photo are gathered and passed through by issuing bank and be kept at bank card authentication center after digitalization compressed is handled when issuing this bank card.
6. according to each described device of claim 1-5; It is characterized in that; Said communication unit connects bank network to be realized through wired or wireless mode; Wherein wired mode comprises the Cable Modem that carries through the ADSL Modem (modulator-demodular unit) that is carried by telephone wire, by cable TV network, by the optical communication Modem access band communication network of bearing optical fiber and then connect bank network, wireless mode comprises through cdma network, GSM network, CDMA2000/EVDO network, WCDMA network, TD-SCDMA network, WiMAX network, LTE network or they at from now on evolvement network access band communication network and then connect bank network.
7. according to each described device of claim 1-6, it is characterized in that said device is made up of an intelligent terminal and the peripheral hardware with printing, magnetic stripe read functions, the two connects through USB or blue tooth interface.
8. the POS of franchised business of a bank machine is characterized in that, this POS machine comprises each described device like claim 1-7.
CN2012100515649A 2012-02-29 2012-02-29 POS machine having unauthorized card swiping prevention function Pending CN102592378A (en)

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Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105590213A (en) * 2014-12-31 2016-05-18 中国银联股份有限公司 Security information interaction record generation and verification method
CN105631647A (en) * 2016-02-17 2016-06-01 浪潮软件集团有限公司 Unionpay communication method, device and system
CN106027561A (en) * 2016-07-06 2016-10-12 陕西科技大学 Unauthorized use prevention device applicable to bank IC card and method thereof
CN106157039A (en) * 2016-07-06 2016-11-23 陕西科技大学 A kind of towards bank IC card illegal devices and methods therefor
CN108205852A (en) * 2017-12-29 2018-06-26 新开普电子股份有限公司 POS terminal encrypting payment method
CN109859419A (en) * 2019-02-26 2019-06-07 苏州盛迪通电子科技有限公司 A kind of pos machine payment system

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105590213A (en) * 2014-12-31 2016-05-18 中国银联股份有限公司 Security information interaction record generation and verification method
CN105631647A (en) * 2016-02-17 2016-06-01 浪潮软件集团有限公司 Unionpay communication method, device and system
CN106027561A (en) * 2016-07-06 2016-10-12 陕西科技大学 Unauthorized use prevention device applicable to bank IC card and method thereof
CN106157039A (en) * 2016-07-06 2016-11-23 陕西科技大学 A kind of towards bank IC card illegal devices and methods therefor
CN106157039B (en) * 2016-07-06 2020-06-30 陕西科技大学 Bank IC card-oriented anti-theft swiping device and method thereof
CN108205852A (en) * 2017-12-29 2018-06-26 新开普电子股份有限公司 POS terminal encrypting payment method
CN109859419A (en) * 2019-02-26 2019-06-07 苏州盛迪通电子科技有限公司 A kind of pos machine payment system

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Application publication date: 20120718