CN104574695B - It is a kind of to block the device and method for usurping other people bank cards - Google Patents

Abstract

The present invention provides a kind of device and method for blocking and usurping other people bank cards, device includes electric door lock and its control and executing agency on door, controlling organization is provided in the visual of one side and tests for device, and visual the testing includes master controller (z1), communication module (z2), input module (z3), power management module (z4), card management module (z5), external interface module (z6), output module (z7), authentication module (z8) for device.According to visually test for device test the body part, test card and authorize the result for reproducing, determine electric door lock control that whether to open of the bank computer control system to ATM room door.The present invention effectively enhances the confirmation to the actually used person's identity of bank card; active protection, the overwhelming majority is prevented and has usurped the generations of other people bank card behaviors; protection of the bank to bank card holder in due course's legitimate rights and interests is enhanced, with easy to use, the features such as safe and reliable.

Description

It is a kind of to block the device and method for usurping other people bank cards

Technical field

It is more particularly to a kind of to block the device and method for usurping other people bank cards the invention belongs to ATM auxiliary equipment.

Background technology

As the continuous popularization of ATM ATMs and computer, network technology are maked rapid progress, other people can be simultaneously obtained The approach of bank card and its password is varied, such as robbery, remote computer crime, at one's side people's crime and ATM scene crime Deng.First, offender is plundered at scene to after bank card, inherently with various means force victim's bank card password；The Two, high iq crime, using people using Wi-Fi, shopping online, mobile phone-downloaded software etc. chance, slip into private gold Melt information bank, the illegal private bank that obtains blocks various information and withdrawal password, finally replicates the card；3rd, bank card is legal to be held The relatives of someone, friend and colleague etc., have the opportunity to while obtaining the bank card and its password, and be possible to finally realize bank Card crime, and face such case, bank card holder in due course often because it is all it is scrupulous abandon investigating and alarm；The Four, the criminal offence overwhelming majority being likely to occur at ATM ATMs be all with obtain bank card or bank card information with And password, its principal mode is：1. post up a placard, inveigle client.Such as:A device is set on doorframe, an attached signal language " enters Please first swipe the card and input password in front of the door ", by putting up false prompting and false Service Phone inveigles the client to carry out faulty operation so as to deceive Win the confidence breath or debt etc.；2. receipt, strip that client arbitrarily abandons are picked up, is aided with miscellaneous equipment, make emulation bank card；3. exist Juggled things on ATM ATMs, such as install probe steal password information, place obstacles and cause retain card illusion, be mounted directly Decoder is obtaining information etc.；4. in the crowd for being queued up at ATM ATMs, one or many people coordinate, and peep client Password substitutes bank card for another surreptitiously；5. due to the randomness that current ATM ATMs are set, especially in big city, offender is very To in street, the wall turning of cell etc., an ATM ATM for vacation is set, is stolen bank card information or is deceived to reach Enchashment gold.

And the use of current bank card is very convenient, it only need to insert cards into ATM ATMs, while input is correct close Code.The immediate cause that this " facility " is produced is that protection of the bank to debt safety in customer bank card, is by only setting One measure of password is put come what is realized, protection level is low, and safeguard procedures are substantially thin, totally say and, conveniently had a surplus but safety It is substantially not enough；And this " facility ", bank card holder in due course is not only facilitated, while also greatly reducing bank card criminal The cost and difficulty of crime, i.e., this facility, while the people of fiscard crime to be implemented also is given with facility, as long as because it illegally takes Obtain the debt that bank card and its password can be stolen in card；And this directly results in the various crime quantity of bank card with China ATM industries develop rapidly and popularize and increasingly increase, and final result is, bank card holder in due course evapotranspiration increasing, Other each affiliated parties of bank card are lost and are increasing, and the normal work order of financial institution is disturbed with being on the rise.

Once there is the situation that bank card is stolen brush, it is intended to just be arrested in time when offender is consumed, into Power is almost nil, even and if finally arrested offender, if the offender spends debt freely, and repaying ability is limited Or because a variety of causes cannot be repaid, the financial loss of bank card legal owner can be unavoidable.And above-mentioned second Remote computer fiscard crime, it is to reach " by obtaining someone bank card information and its password and then replicating bank card Carry out bank card crime " purpose and enter into and exit from ATM computerized control system, can all accomplish without vestige, be intended to brokenly Case is even more extremely difficult.

The content of the invention

It is an object of the invention to provide a kind of device and method for blocking and usurping other people bank cards, by making for the device With one is bank computer control system is obtained the ID card information and finger print information of involved party and further " the two conjunction One property information "；Two is to make bank computer control system witness involved party obtain bank card holder in due course using other people bank cards to award The reproduction of power process；Objective be eliminate in addition to bank's block-regulations determine holder, other " existing " held the bank card and together The people of the Shi Zhixiao bank card passwords, in the case where bank card holder in due course does not know or is forced, illegally takes the bank card In debt or handle other bank card business, so that ultimately causing bank card holder in due course on the legal of the bank card The phenomenon of damage of the rights and interests occurs, so that related rights and interests of the reinforcing bank to the bank card of bank card holder in due course to greatest extent Save from damage.

The object of the present invention is achieved like this, a kind of to block the device for usurping other people bank cards, including is arranged on ATM Electric door lock and its controlling organization and executing agency on the door of chamber inlet, door, the controlling organization be provided in a front or The visual of its one side is tested for device, it is described it is visual test for device include master controller, communication module, input module, power management module, Card management module, external interface module, output module, authentication module,

The master controller, you can phonovision signal transferring and receiving apparatus, is made up of CPU+GPU+ROM+RAM+ external memory storages；

The communication module, that is, the signal hair for playing radio-frequency enabled receives terminal, by rf chip and power amplifier structure Into；

The input module, is made up of visual camera lens and Mike；

The power management module, manages power switch；

The card management module, manages SIM；

The external interface module, the data-interface with bank computer control system UNICOM；

The output module, is made up of monitor scope and loudspeaker, the visual signal transferring and receiving apparatus of master controller with The winding displacement of monitor scope and the loudspeaker contact of output module is provided with triggering controlling switch；

The authentication module, is made up of identity card identifier and Fingerprint Identification Unit.

Further, the door selects the horizontal drawing in left and right, the elasticity with spring to return Guan Shimen automatically, and outer door handle category is mechanical, Inside door handle selects motor switch type, and is connected with bank computer control system；The electric door lock executing agency include it is miniature can Inverse dc motor, rack and pinion drive mechanism.

A kind of method that other people bank cards are usurped in utilization said apparatus blocking, tests for device medical examination according to visual in controlling organization Part, the result for testing card and mandate reproduction, determine the control whether bank computer control system is opened the electric door lock of ATM room door System, comprises the following steps that：

1) authentication, by identity card identifier and Fingerprint Identification Unit, leave involved party identity card effective information and Finger print information, " unification " to the identity card effective information and finger print information of the involved party of ATM room to be entered is carried out tentatively Checking, such as preliminary identification result are " not conforming to ", and the electric door lock on door will not this time be unlocked to behavior people, such as preliminary identification knot Fruit is " conjunction ", carries out next step；

2) card is tested, involved party tells latter several, the bank computer control of the bank card number for being intended to transacting business by Mike System is entered pedestrian, card " unification " and is judged, judges whether the card belongs to behavior people, if card category involved party, on involved party Position powers off switch, the next electric door lock for opening ATM room door of bank computer control system, if card does not belong to involved party's sheet People, involved party's behavior category is acted on behalf of, then involved party must reproduce licensing process to prove what it was acted on behalf of to bank computer control system Legitimacy；

3) authorize and reproduce, whether carry out bank computer control system first to trustee is that bank card holder in due course sentences It is fixed, such as it is judged to not be that the electric door lock on door will not this time be unlocked to behavior people, such as be judged to it is specifically to be authorized Course replay, mandate is finished, and involved party is upper to power off switch, the next opening ATM room door of bank computer control system Electric door lock.

Further, the licensing process reproduces and includes：

1. from capture, involved party front aligns visual camera lens, is completed from capture from viewed area in monitor scope；

2. request authorize, told by Mike, by visual signal transferring and receiving apparatus send trustee videophone number The mode of code, gets through the videophone of the principal, and involved party realizes mutually regarding with trustee；At involved party, it is aobvious in monitoring After showing that his vision area of device is seen and confirms to entrust artificial "true", the end of the bank card number of the trustee is told successively by Mike Several, sent " authorized application " to the principal；

3. confirm to authorize, the principal have received image, associated bank card number code that involved party transmits and be verified as After "true", the principal sends confirmation signal to videophone microphone, system obtain final product order break it is visual test in device by visual electricity Words signal transferring and receiving apparatus are to monitor scope and the electricity of speaker circuit, while keeping visual testing to be sent out by visual signal in device Receive device unimpeded to the positive often-have-electricity in bank computer control system circuit；The principal says and oneself to bank computer control system The bank card of own entrusted agent's processes financial business mutually one-to-one bank card end several numbers, proxypassword and is authorized Content, mandate terminates.

Further, for involved party at ATM using it is non-I and do not carry out authorize reproduction bank card, silver Row computerized control system controls ATM retain card.

Compared with prior art, the beneficial effects of the invention are as follows：1) active protection, prevented the overwhelming majority usurp other people silver The generation of row card criminal offence；2) protection duty of the bank to bank card legal owner's legitimate rights and interests is enhanced；3) to current The ATM of bank is without any changes；4) it is easy to use, it is safe and reliable.

Brief description of the drawings

Fig. 1 is the visual external structure schematic diagram tested for device in the present invention；

Fig. 2 is visually tested for device Inner Constitution schematic diagram in the present invention；

Fig. 3 is visually tested for device workflow diagram in the present invention；

Fig. 4 is visually tested for device mandate link workflow diagram in the present invention；

Fig. 5 is that visual testing obtains electric process schematic diagram for device in the present invention；

Fig. 6 is unit layout schematic diagram of the invention.

Specific embodiment

Premise calls and explanation that the present invention is used：

1. summarize.The device and method of other people bank cards is usurped in a kind of blocking that the present invention is provided, and significantly enhances bank Protection to bank card holder in due course correlation rights and interests, therefore it is required that in bank computer control system, except silver to be related to Outside the ID card information and its initial withdrawal password of row card holder in due course, the near of bank card holder in due course is also left Phase take one's hat off front image, refer to (double palms) line information and proxypassword and anti-strong for password, furthermore, if setting bank card is legal Agent, its above-mentioned relevant information will also possess.

Neocaine, must disposably complete the collection of relevant information in this way；If old card, i.e., bank card is to use this hair in bank Handled before bright, bank card above- mentioned information answers completion.

2. face blocks technology, face recognition technology, four technologies of fingerprint identification technology and identity card identification technology and exists Visual testing is used on device, because having belonged to mature technology, therefore does not illustrate.

3. proxypassword, means that artificially prepared through committing others in the future act on behalf of oneself " sheet " bank card industry for bank card legal keeping Business, when applying for card (at least before through committing others), the voice when trustee left at the place of applying for card of bank authorizes to agent Password (e.g., apple), proxypassword and bank card are " one-to-one corresponding ", but for multiple bank cards, proxypassword can be deposited Repeating.

4. prevent strong for password, be that one kind must be when bank card be done in bank and ID card information, finger print information and bank The password that card withdrawal password, proxypassword etc. are together retained, the password is corresponded as other passwords with bank card, Can with other bank cards repeat but it is not recommended that；For using the bank card finished before the present invention, needing perfect in time " being somebody's turn to do Card " it is anti-strong for password and other information；The anti-strong purpose for password and effect are set, are for preventing " generation in crime in partnership Reason people " request authorize when, bank card holder in due course (" principal " so-called in the case of this) be inherently safe, bank's block-regulations Determine holder at " be forced authorize ", the link that must say proxypassword say this it is anti-it is strong for password (as long as occurring preventing strong generation Password), with presenting bank computerized control system " mandate is invalid ".

5. legal representative.So-called " legal representative ", even bank card holder in due course, I for some reason " after " (rise Code is in a short time) substantially without being possible to handle the card banking in person, and must (or can only) act on behalf of the bank card industry by other people Business, then have to bank card holder in due course pass through legal procedure (such as just), authorize certain nominator, finally make its In bank computer control system " legal representative " as the bank card.In legal representative's agent process afterwards, no Link is reproduced with the mandate through visually testing for device, and after the checking for completing identity card, fingerprint and the two unification property, is directly broken The visual switch tested for device, to obtain the unblock of ATM room door electric door lock, into ATM room, completes agent service, i.e., should Legal representative is directed to the act of agency of the card, and bank computer control system will treat it as having same with bank card holder in due course Legal right.

Specific embodiment of the invention is described in further details below in conjunction with the accompanying drawings.

As shown in figs. 1 to 6, a kind of to block the device and method for usurping other people bank cards, device includes the electrically operated gate on door Lock and its control and executing agency, controlling organization are provided in the visual of one side and test for device, according to it is visual test for device test the body part, Test card and authorize the result for reproducing, determine the control whether bank computer control system is opened the electric door lock of ATM room door.

1) the visual purpose tested for device is set.

Visually test for device, be it is a kind of it is visual, can be used to verify that involved party acts on behalf of other people bank card industry at " sheet " ATM The device of the legitimacy (namely agent identity true and false) of business act of agency.After bank has used the present invention, at ATM There is the involved party of agency part (also can be all) in the bank card business handled, it handles other people bank card industry at ATM Business the legitimacy of behavior, or say its attorneyship acquisition whether, must be approved by bank computer control system first, it is no Then involved party cannot act on behalf of other people bank card business, and this is one of features of the present invention；Its realization means is, using visual Test for device, under bank computer control system complete monitoring, involved party first passes through video call mode, to bank card legal keeping After people or legal representative file a request, both sides mutually confirm, confirmed and awarded by bank card holder in due course or legal representative Power, if whole program is correct and closes rule zero defect, bank computer control system accreditation behavior people this does at ATM Manage other people the bank card business legitimacy of behaviors, or say bank computer control system and determine that it has obtained that the bank card is legal to be held The attorneyship of the bank card business of someone.

The visual purpose tested for device is set, be to eliminate as far as possible in addition to bank's block-regulations determines holder, other people are illegal (i.e. in the case where bank card holder in due course does not know or is forced) take the bank card in debt or handle other bank cards Business, occur (both to hinder so that ultimately causing the impaired phenomenon of legitimate rights and interests of the bank card holder in due course on the bank card The disconnected generation for usurping other people bank card behaviors) so that bank card of the reinforcing bank to bank card holder in due course to greatest extent Related rights and interests save from damage.

This " other people " generally comprise：1. except bank card holder in due course (or legal representative, as follows) outward, holds The people of unique, the genuine bank card, this can be relatives, friend, colleague of bank card holder in due course etc., and they are possible to Implementation is secretly held；Also robber, can by force hold the true bank card, implement stress crime, and they are likely to While holding the true bank card, the password of the bank card is known.2. (or other can evidence to pick up bank card and identity card simultaneously " its " obtain bank card password object) people, 3. hold the people of bank card copy card.This kind of people is by network, in bank Using at the ATM before the present invention or other approach, obtain the bank card including the substantially useful crucial letter including password After breath, the bank card is successfully, reproduced, prepares crime.Current ATM, only recognizes bank card and password, therefore these " other People " can be unknown in bank card holder in due course or be existed without bank card holder in due course mandate or bank card holder in due course In the case of being coerced, take the debt in bank card holder in due course card away or carry out other bank card crime behaviors.

Need explanation：One is involved party's (using obtained agency's bank card business for device by visually testing) Legitimacy quilt (bank computer control system) accreditation, only limit " this ", reauthentication is still needed to next time；Two be can in this case Program depending on testing for device is set, it is desirable to which involved party need not know bank card agent password or strong for password, need to only there is card and initially Withdrawal password, know " this " agency particular content.

2) the visual basic composition tested for device.

(1) constitute.As shown in figure 1, visual testing includes power switch 1, monitor scope 2, visual camera lens 3, raises one's voice for device Device 4, Mike 5, visual signal transferring and receiving apparatus 6 and SIM 7, signal hair receive terminal 8, identity card identifier 9 and Fingerprint Identification Unit 10, integral installation is in the side of ATM room door.Visual testing is connected by power switch 1 for device working power with external power, is visually tested Data transfer unification for device controls system with the data-interface and bank computer of visual signal transferring and receiving apparatus 6 respectively by data wire System is connected.

(2) the visual similarities and differences tested for device and handset structure.

The close parts of A：The composition of mobile phone, is cell phone system+CPU+GPU+ROM+RAM+ external memory storages+radio frequency+touch Screen+microphone+camera+mobile phone screen+receiver+gravity sensing+bluetooth+wireless connection (wifi)+battery and switch+SIM= Smart mobile phone；Visually testing for embodiment on device, as shown in Fig. 2 corresponding is master controller z1, communication module z2, input mould Block z3, power management module z4, card management module z5, external interface module z6, output module z7.

1. master controller z1, you can phonovision signal transferring and receiving apparatus 6, is made up of CPU+GPU+ROM+RAM+ external memory storages； 2. communication module z2, that is, play signal hair receipts terminal (including rf chip and power amplifier are constituted) of radio-frequency enabled；③ Input module z3, is made up of visual camera lens 3 and Mike 5；4. output module z7 is made up of monitor scope 2 and loudspeaker 4；5. its Remaining power management module z4, card management module z5, manage power switch 1, SIM 7 respectively, and 6. external interface module z6 is visual Test the data-interface shown as device with bank computer control system UNICOM.It can be seen that the two function all belongs to wireless telecommunications, structure is big Cause identical.

The different parts of B：

1. power module end, power supply mode is different.Mobile phone, once open switch, whole machine all it is electric；And visually test For device, because set function and the particularity using process, it is provided with process program that each several part walks electric (see figure 5), and after the visual power switch 1 tested for device is opened, its each portion obtains electric process by the bank that is connected with power management module z4 Computerized control system is controlled.Power supply mode of the present invention also can be as mobile phone；

2. the master controller z1 for device is visually tested in this case, and from unlike mobile phone, it removes and is calculated, processed and sent finger Order, in bank computer control system aspect, by data interface module z6, visually tests the master control for device to implement outside controlling function Device z1 processed also bankable bill computerized control systems provide relevant information and data and receive and perform bank computer control system Dependent instruction；

3. the composition at input module end is different.Mobile phone is made up of keyboard, camera, touch-screen, Mike etc.；And this case is visual Test and be only made up of camera and Mike etc. for device, keyboard and touch-screen input function are not designed；

4. output module z7, the master controller of mobile phone and the winding displacement of output module contact, typically using flexible circuit board (FPC), it is constantly in obtain electricity condition；And the visual master controller z1 tested for device of this case, it gets in touch with output module z7 Winding displacement is belt switch, and the person of sending of switch order is bank computer control system.Specifically：

Normally under state, winding displacement is constantly in obtain electricity condition to a；B mutually confirms as the principal with agent Afterwards and the principal is when " can with " be said before preparing to authorize, bank computer control system obtain this message, while instruction exports mould The contact winding displacement of block z7 is switched off, and the output module z7 power-off for device is visually tested in this case；C completes all to authorize as the principal During action, bank computer control system can be simultaneously emitted by twice instruction, and one is the contact winding displacement switch of upper command output module 7 Close a floodgate, the output module z7 that this case visually tests for device recovers electric, two is the next visual electricity for making loudspeaker 74 and the principal Words sounding " passing through "；

Specific implementation：The sound signal of " can with " is received when the sound recipient in bank computer control system When, original design season processor carries out A/D and is converted to " 0 ", and actuator is instruction with " 0 ", completes to break switch motion, realizes Output module winding displacement is powered off；Authorizing link sequentially complete when the sound recipient in bank computer control system receives trustee Into after delegable content, send the III mandate of the c of " mandate is finished " (see below " 3) its (3) ") sound signal when, it is original The seasonal processor of design carries out A/D and is converted to " 1 ", and actuator is instruction with " 1 ", is closed a switch, and realizes output module winding displacement weight New Power resumption；Illustrate, sound control technique belongs to common technique.

5. on external data interface module z6, in mobile phone, its external data interface is of little use；And this case is visual Test for device, its external data interface is to be kept in touch with bank computer control system always for daily 24 hours.

6. visually test has authentication module z8 for utensil, and mobile phone does not have.The visual authentication module z8 tested for device, It is made up of identity card identifier 9 and Fingerprint Identification Unit 10, to complete visually to test the important first step used for device --- to row It is the checking of people's identity.

7. the visual setting tested for device of this case, objective be will by data interface module z6, through bank computer control system, Elasticity to ATM room is controlled by from whether the opening for electric door lock that bride visits her parents with her husband for the first time after the wedding, and communication is intended to rather than such as mobile phone.

(3) explanation：1. visually test for device the course of work and all components all bank computer control system monitoring and Among manipulation；2. visually testing can realize voice dial-up function for device by visual signal transferring and receiving apparatus 6；3. visual signal The signal hair of transferring and receiving apparatus 6 receives the contact that terminal is responsible for visual signal transferring and receiving apparatus 6 and the wireless communication terminal of trustee；4. exist " request is authorized " link, the transmission of image and voice between agency's behaviour and trustee, and in " mandate " link, trustee With the transmission of the image between bank computer control system and voice, tested for being to send out to receive by visual signal at device visual What device 6 was realized；5. the visual switch 1 tested for device, monitor scope 2, visual camera lens 3, loudspeaker 4, Mike 5, visual electricity are constituted Words signal transferring and receiving apparatus 6, SIM 7 and its signal hair receive terminal 8, and monomer function is about the same with mobile phone, but by simply tearing open Divide and combine, in addition with the organic assembling of bank computer control system, complete the function that regular handset can not possibly be completed, i.e. body " independence " and " joint " property of each individual event function and allomeric function is showed.

3) the visual use [seeing Fig. 3] tested for device.

(1) device is opened.

Visual testing normally is closed for device under general state.Involved party comes ATM room in front of the door, opens switch 1, Visual testing obtains electric start-up operation for device；

(2) authentication.

Identity card positive and negative are correctly placed in the cog region of identity card identifier 9 respectively, Tip Sound mistake after a while is treated Afterwards, present invention choosing " drop " sound, illustrates that identity card identification program has now been completed；Palm (can be left and right optional one) is correctly put Put (laying method and selected palm are same with bank) and in the cog region of Fingerprint Identification Unit 10, treat Tip Sound mistake after a while Afterwards, present invention choosing " drop " sound, illustrates that fingerprint recognition program has been completed；According to the identity card effective information and fingerprint that leave involved party The information, " conjunction of " whether the belonging to same people " of identity card effective information and finger print information to the involved party of ATM room to be entered One property " carries out preliminary identification, is performed by the bank computer control system on backstage, and such as preliminary identification result is " not conforming to ", on door Electric door lock will not this time be unlocked to behavior people, and such as preliminary identification result is " conjunction ", carries out next step；

(3) unlock.

1. card is tested.Involved party tells latter several (such as rear 4) of the bank card number for being intended to transacting business, silver by Mike 5 Row computerized control system enters pedestrian, card " unification " and judges, judges whether the card belongs to behavior people, if card category involved party's sheet People, involved party is upper to power off switch 1, the next electric door lock for opening ATM room door of bank computer control system；If card is not Category involved party, involved party's behavior category agency, then involved party must be through visually test for device to the reproduction of bank computer control system Licensing process with prove its act on behalf of legitimacy；

2. authorize and reproduce.Whether carry out bank computer control system first to trustee is that bank card holder in due course sentences It is fixed, such as it is judged to not be that the electric door lock on door will not this time be unlocked to behavior people, such as be judged to it is specifically to be authorized Course replay, mandate is finished, and involved party is upper to power off switch (1), and bank computer control system is the next to open ATM room door Electric door lock.

This case mandate reproduces link and is made up of two large divisions：The first step, is that the judgement of bank computer control system is " proxied People " whether be bank card holder in due course, second step, be for result be "Yes", carry out mandate reproduction.

" authorize reproduce " link specific procedure is：

A. from capture.Involved party opens visual testing and switchs 1 [seeing Fig. 4] for device, visually tests and obtains electric-opening to " I line " for device [seeing Fig. 5].Involved party front aligns the visual visual camera lens 3 tested for device, involved party itself front-face and hat-free photos holohedry is filled substantially The full monitor scope 2 visually tested for device from viewed area (showing this human head picture region), purpose, one is easy for bank's block-regulations Determine holder or legal representative's identification, two are easy for the capture of bank computer control system, achieve；Can be set herein and use " people Face identification technology ", to the behavior, people screens.

Here with " face blocks technology ".Specifically：If involved party does not accomplish " to make itself front-face and hat-free photos holohedry basic Full of monitor scope 2 ", or face has larger shelter (or artificial camouflage), so that bank computer control system cannot take As simultaneously achieving, then bank computer control system is considered as abnormal, i.e., " involved party from capture " is failed；

Bank computer control system will control visually to test temporary for the Mike 5 of device and visual signal transferring and receiving apparatus 6 before this Must not electricity (that is, be not correctly completed from capture such as involved party, device is will not to allow that involved party passes through Mike 5 and videophone is believed Number transferring and receiving apparatus 6 carry out " request is authorized " of next step), until when involved party's way is correct, the instruction of bank computer control system The sounding of loudspeaker 4 " can with ", while bank computer control system sends instruction, Mike 5 and visual electricity is delivered to by the electricity switched at 1 Words signal transferring and receiving apparatus 6, visually test and obtain electric-opening to " II line " [seeing Fig. 5] for device.Involved party is ready for carrying out " the request of next step Authorize ", i.e. " sounding ' can with ' " of loudspeaker 4 indicates that the success of the first step " from capture " terminates with second step that " request is awarded (can with) starts while power ".

B. request is authorized.(in agency behaviour aspect) [referring to Fig. 4]." request is authorized " link whole process is in bank computer control Under the monitoring of system processed." request is authorized " link is in two steps：

One is " request call ", i.e., when involved party at monitor scope 2 " from capture success " after, involved party is with " passing through Mike 5 tells, is sent ' the videophone number of the trustee ' by visual signal transferring and receiving apparatus 6 " mode, get through proxied The videophone of people, sends " request call " to the principal；

Two it is " application is authorized ", i.e., sends ' the videophone number of the trustee ' in visual signal transferring and receiving apparatus 6, beats After the videophone of logical trustee, involved party is relayed with trustee by visual signal transferring and receiving apparatus 6, each respectively by prison Realize mutually regarding depending on display 2 and videophone, at involved party, it is seen in " his vision area " of monitor scope 2 and confirms committee Ask someone as after "true", involved party with " by Mike 5 tell successively the trustee multiple (as only acted on behalf of a bank card business, Only say one) the rear four figures of bank card number, the videophone of the principal is sent to by visual signal transferring and receiving apparatus 6 On, send " authorized application " to the principal, wait the principal to authorize；Specifically：

The first step, " request is authorized " its " request call ".Treat that involved party's behavior is qualified, the loudspeaker 4 visually tested for device is sent out After going out " can with ", Mike 5 and visual signal transferring and receiving apparatus 6 it is electric, visually test and obtain electric-opening to " II line " for device；Now behavior People can keep former attitude, involved party scene against the Mike 5 visually tested for device, say bank's block-regulations of this agency by agreement Determine mobile phone (there must the be video intercom function) number or other species videophone numbers of holder or legal representative, pass through The mode of " phonetic dialing ", the involved party obtained " from capture " by this audio signal and above by visual signal transferring and receiving apparatus 6 Head portrait signal issues the principal in the lump, treats that the principal opens videophone, replys；At the same time bank computer control system Involved party's sound is enrolled, archive is put on record；Before this link, the main functionality and use process and current intelligence for device are visually tested Energy mobile phone is close.

Second step, " request is authorized " its " application is authorized ".After closing of the circuit, the principal put telephone lines into operation, visually test for device Monitor scope 2 in another region, (this case is referred to as " his vision area ") normally occurs the normal front of the principal Image, as the front image size of involved party and is present on monitor scope 2, and now agent is to quilt generation for occurring Reason people carries out true and false identification；

As very, involved party says the principal and entrusts to multiple of oneself (as only acted on behalf of a silver successively by Mike 5 Row card business, only says one) latter four of the number of bank card, sound is by visually testing the visual signal transferring and receiving apparatus 6 for device Send the principal to, and wait the principal to authorize, so far " application is authorized " release of behavior people, is ready for down One step " confirmation ".

Such as vacation, i.e., that occur on monitor scope 2 is not bank card holder in due course or legal representative, and involved party should " request is authorized " to the people is abandoned in selection；Mandate as there is other principals is not completed, and involved party must be from " from capture " Start, carry out " request is authorized " program for the remaining principal；

Explanation：If many people agencies of I involved party, must repeatedly ask, but can not consider order naturally；If the people of II one, i.e., Make to be multiple cards of agency, need to only ask once；III this link present apparatus utilization " face blocks technology " and " face recognition technology ", Bank computer control system utilizes " face blocks technology " and " face recognition technology ", for involved party and " trustee " either Which side, as long as face is blocked or incomplete, bank computer control system can interrupt involved party in the behaviour visually tested at for device Make, until normally, even to have regarded as "true" also not all right for involved party or " trustee ".

C. confirm, implement to authorize (in the principal, namely trustee's aspect), specifically：

The first step, affirming conduct people's true and false.Involved party succeeds in " request is authorized " its " request call " link in involved party Complete " request call ", when being put telephone lines into operation to closing of the circuit, the principal, on the videophone display screen of the principal equally The front image of involved party can clearly occur, now the principal must also align front image and complete from capture, the picture can be by quilt Agent's visible handset (or other videophone), the visual signal transferring and receiving apparatus 6 through just with the videophone UNICOM are passed Monitor scope 2 is sent to, the true and false is verified for agent；At the same time, the principal has judged the true and false to agent.

Second step, behaves to genuine agency and authorizes.As the principal is judged as vacation to agent, principal's cut-out can Phonovision, terminates to authorize；If true, a series of mandate work behaved to genuine agency is ready for：

I must make.The principal determines the agent identity of the involved party for sending " request call " after "true", first, to pass through The videophone of oneself, wait, receive and affirming conduct people by visual signal transferring and receiving apparatus 6 send to oneself, oneself Consignment store behaves (more instead of oneself handling latter four of the number of each bank card of oneself of associated bank card business before Simply there may be one)；This is primary, the prerequisite that the principal proceeds by a series of mandate work, therefore this link " must referred to as make "；

II is powered off.The principal after it have received associated bank card number code that involved party transmits and verify, the principal couple Videophone microphone clearly sounding, this case selects the principal to say " can with ", and system is obtained final product to be made (in bank computer control system Under monitoring) break it is " (final to row by visual signal transferring and receiving apparatus 6 to monitor scope 2 and loudspeaker 4 in visual testing for device It is people) electricity of circuit (breaking the winding displacement switch between Z1 and Z7 in Fig. 2), while " by visual electricity in ensureing visual testing for device Words signal transferring and receiving apparatus 6 are unimpeded to the positive often-have-electricity in bank computer control system circuit；Now visually test and obtain electric process for device To " III line " (see Fig. 5)；

Specifically be [seeing Fig. 3], now bank computer control system is audio-visual according to " principal ", utilizes Information in " face recognition technology " and database, while completing the unification of the bank card and " principal " described in involved party Sex determination, i.e. bank computer control system it is known should " principal " whether be bank card holder in due course；So far, this case dress Put and authorizing the Part I program for reproducing link --- " bank computer control system judges whether " principal " is bank card Holder in due course " complete；For "no", no matter involved party with should " principal " whether carry out the mandate of next step, this Visual the testing of the controlling organization of case electric door lock will not open electric door lock for device；For "Yes", " awarding for next step is carried out Power ".

III mandate.Under normal circumstances, the principal says and oneself entrusted agent (i.e. behavior people) processes financial industry That several bank cards of business mutually one-to-one bank card number end several numbers (this case selects 4), proxypassword and are authorized Content (a pair of the information 1 that every the last several numbers card numbers of bank card, proxypassword, image must in advance be retained with the principal Should), such as " 1777, aircraft takes 3000 yuan；9568, oil tanker, Hunan 9569 (meaning of " bank card in Hunan, card number 9569 ") turns 5000 yuan ", after completing trustee whole bank card mandate reproduction task, " mandate is finished " audio communication is sent, represent the principal Agent's identity to behavior people is it has been determined that simultaneously completed to authorize；Next, the agent identity of behavior people is by bank computer Control system " confirmation " is finished, and bank computer control system assert that the act of agency of behavior people is legal；

Needed herein remind be：When the principal authorizes, tandem (the bank card number end several numbers of the content (this case selects 4), proxypassword and the content for being authorized) can not be wrong；There is interval in the middle of on time；Even proxypassword phase With, for each bank card, will also be said on time once during mandate.

IV special circumstances.As the special circumstances of " mandate " link, it is in when such as the principal authorizes by stressful environmental, i.e., In the case of crime in partnership, " anti-strong for password " can be said in this link to substitute " proxypassword " of the card, " prompting " silver This time " whether authorizing " is judged to " unauthorized " and recorded by row computerized control system；Even if in this way, involved party enters ATM Behind room, ATM is successfully inserted cards into, follow procedure ATM can be by retain card preventing involved party from usurping the bank card.

Herein it should be noted that：First, " proxypassword " and " anti-strong for password " is somebody's turn to do, is handled in the principal originally During the bank card, just " necessary " stays in the associated profiles of bank and while is stored in the computerized control system of bank； Secondly, under normal circumstances, if trustee has found the videophone of oneself and do not receive that " consignment store behaves and replaces oneself before oneself Handle the bank card number of associated bank card business ", i.e. involved party says few, and trustee can be with completion when authorizing, bank's electricity Brain control system is only recognized " mandate of trustee "；For the situation of involved party's " saying many ", with trustee without dry.3rd, normally In the case of, while " can with " be said in principal's microphone sounding, visually test for device automatically cut off agent with it is proxied Voice and the image contact (breaking the winding displacement switch between Z1 and Z7 in Fig. 2) of people, but it is visual test for device still in work, i.e., this The sounding of the principal and the degree of lip-rounding change only correspondence bank computer control system afterwards, without to agent, in case agent is herein Link obtains the corresponding proxypassword of bank card or anti-strong for password.

D. whether bank computer control system judges to authorize and succeeds.When the principal is authorized, bank computer control System determines that whether this trustee this link " mandate " result succeeds, and as a result retains.

As the principal authorizes link operation sequence correct herein, bank computer control system is to judge that behavior people authorizes Pass through, bank computer control system is to be simultaneously emitted by two instructions, one is " by visual electricity during upper bit instruction recovers visually to test for device The electricity (the winding displacement switch i.e. in connected graph 2 between Z1 and Z7) of signal transferring and receiving apparatus 6 to the circuit of monitor scope 2 and loudspeaker 4 is talked about, Two is while sounding on the next visual loudspeaker 4 tested for device in face of involved party with meeting on the videophone of the principal " passing through ", shows successfully to terminate for " mandate " of the principal；The visual voice tested for agent at device and the principal The automatic recovery contacted with image；Now the principal completes in " mandate " work visually tested at for device namely involved party exists Visual " application is authorized " tested at for device brings to a happy ending；

Link operation sequence mistake is authorized herein such as the principal, when both the principal authorizes, the content not according to " bank card number end several numbers (this case selects 4), proxypassword and the content for being authorized " tandem is carried out, bank computer control System processed just will not be on the visual loudspeaker 4 tested for device in face of involved party and can be while sending out on the videophone of the principal Go out the instruction of sounding " passing through ", namely at trustee, do not hear the echo of " passing through " at once after its completion is authorized, then entrust Ask someone just to know that its licensing process malfunctions, the trustee starts to authorize again, until being heard in its videophone " passing through ".Need Illustrate, " passing through " is that explanation authorizes link program correct, and is not to say that " mandate " success.

On " can implementing " again for procuratorial " request authorize " behavior, this case is set to " in units of people ", i.e., with The principal is unit, and specifically bank computer control system " monitoring, calculating " finishes the principal's " this agency by agreement After the judgement of ' the mandate success or not ' of whole bank cards of people " and record, visually test and just recover once procuratorial " awarding for device Power request " work, and the power supply visually tested for device is returned to " I line " [referring to Fig. 5].

It should be noted that in fact, bank card holder in due course's number, is that agent implements in visual testing at device The circulating unit number of " request is authorized " behavior；And procuratorial attorneyship, it is, rather than bank card one-to-one with bank card Holder in due course.

E. terminate to authorize.As all finished, may be selected to press the visual switch 1 tested for device close it is visual test for device, authorize Reproduce EP (end of program).

3. door lock opens [seeing Fig. 2].

A. electric door lock is selected.Electric door lock is various informative, and electric door lock executing agency is the core of electric door lock, electricity Dynamic gate lock actuator performs door lock locking and opens task under the control and driving of door lock control circuits.According to this case Device requirement, executing agency should be small volume, little power consumption, be swift in motion, therefore motor-type gate lock actuator, tool are selected in this case Body is made up of miniature reversible dc motor, rack and pinion drive mechanism etc., when motor is powered to be rotated forward, band carry-over bar connecting rod Move to left and lock a door；When motor is powered to be inverted, band carry-over bar connecting rod moves to right unlocking.

B. door lock is opened.For involved party to the agency of other people bank cards, after being correctly completed and authorizing and reproduce, bank computer After the message for receiving " switch 1 visually tested for device is switched off ", bit instruction is electronic under bank computer control system for control system The motor of electric door lock actuator 12 obtains electric reversion in door lock module Z9, and electric door lock 11 opens unblock.

C. illustrate.Real " authorizing confirmation " for completing " card, code are corresponded ", is in plug-in card link, only in plug-in card When, bank computer control system just really " meets " card number, corresponding " proxypassword " with bank card, completes agency The overall process of power " request, mandate, computer system confirm "；--- because being not provided with " using for the present invention at device in visual testing The link of bank card ", but " intentional " this link is dexterously placed on the use link of involved party's bank card at ATM In, so both cleared up single unit system and reused the numerous and diverse of bank card, and in advance known bank and all bank card users " This link is played tricks can be by the consequence of retain card " (see below " 3) measure of its (6) supplement " and Fig. 3), " actively blocked so as to reach one Other people bank card behaviors are usurped to occur " purpose.

(4) close.

This is that door lock is re-locked.

ATM room door selects the horizontal drawing in left and right, the elasticity with spring to return Guan Shimen [seeing Fig. 6] automatically；Outer door handle 63 belongs to machinery Handle, without electricity；Inside door handle 64 selects motor switch type, and is connected with bank computer control system, holds inside door handle 64, inside door The inner side of handle 64 is connected by the electronic snap-fastener triggering of the shop front, internal current, and hair " inside door handle 64 is triggered " signal is to bank computer Control system.

After electric door lock 11 is connected to instruction unlatching, involved party opens ATM room door, entrance using horizontal drawing of outer door handle 63 ATM room, ATM room door under the action of the spring, closed, and the electricity on ATM room doorframe 62 is pressed to reply by elastic automatic returning afterwards When dynamic door-lock motor rotates forward switch 13, the motor of electric door lock actuator 12 obtains electric rotating forward, and electric door lock 11 is locked, ATM room Door 61 is automatically switched off again.

(5) go out.

Apparatus of the present invention are gone out without restriction to the behavior human desires in ATM room.Involved party is such as intended to out in ATM room Door, using inside door handle 64, method is to hold the connection of inside door handle 64 (device setting) internal current, while upper send " inside door handle 64 is triggered " signal gives bank computer control system, and bank computer control system bottom sends " electrically operated gate locked mode The motor of electric door lock actuator 12 obtains electric reversion in block Z9 " instruct, electric door lock 11 opens unblock, and involved party goes out ATM room Door；

ATM room door still under the action of the spring, closed, and electric door lock 11 is locked by automatic the returning of elasticity afterwards, ATM room 61 weights of door Newly it is automatically switched off, recovers initial closed state.

(6) measure is supplemented

Link is improved as the indispensable necessity of this case entrance guard device and measure, for involved party at ATM, is used It is non-I and do not carry out authorize reproduction bank card, bank computer control system control ATM retain card, to block involved party The devious conduct (being likely to be) for usurping other people bank cards.

Claims (4)

1. it is a kind of to block the method for usurping other people bank cards, it is characterised in that including being arranged on the door of ATM chamber inlet, door Electric door lock and its controlling organization and executing agency, described electric door lock controlling organization are provided in a front or its one side Visually test for device, visual the testing includes master controller (z1), communication module (z2), input module (z3), power management for device Module (z4), card management module (z5), external interface module (z6), output module (z7), authentication module (z8),

The master controller (z1), you can phonovision signal transferring and receiving apparatus (6), by CPU, GPU, ROM, RAM, external memory storage group Into；

The communication module (z2), i.e., the signal hair with radio-frequency enabled receives terminal (8), by rf chip and power amplification Device is constituted；

The input module (z3), is made up of visual camera lens (3) and Mike (5)；

The power management module (z4), management power switch (1)；

The card management module (z5), management SIM (7)；

The external interface module (z6), the data-interface with bank computer control system UNICOM；

The output module (z7), is made up of monitor scope (2) and loudspeaker (4), the videophone letter of master controller (z1) The winding displacement that number transferring and receiving apparatus (6) are got in touch with the monitor scope (2) and loudspeaker (4) of output module (z7) is provided with triggering control and opens Close；

The authentication module (z8), is made up of identity card identifier (9) and Fingerprint Identification Unit (10)；

According in controlling organization it is visual test for device test the body part, test card and authorize the result for reproducing, decision bank computer control system The control whether opened the electric door lock of ATM room door, comprises the following steps that：

1) authentication, by identity card identifier (9) and Fingerprint Identification Unit (10), leaves the identity card effective information of involved party And finger print information, " unification " to the identity card effective information and finger print information of the involved party of ATM room to be entered is carried out just Step is demonstrate,proved, and such as preliminary identification result is " not conforming to ", and the electric door lock on door will not this time be unlocked to behavior people, such as preliminary identification Result is " conjunction ", carries out next step；

2) card is tested, involved party tells latter 4 of the bank card number for being intended to transacting business, bank computer control system by Mike (5) Unite and judge into pedestrian, card " unification ", judge whether the card belongs to behavior people, if card category involved party, involved party is upper Power off switch (1), the next electric door lock for opening ATM room door of bank computer control system；If card does not belong to involved party's sheet People, involved party's behavior category is acted on behalf of, then involved party must reproduce licensing process to prove what it was acted on behalf of to bank computer control system Legitimacy；

3) licensing process reproduces, and whether carry out bank computer control system first to trustee is that bank card holder in due course sentences It is fixed, such as it is judged to not be that the electric door lock on door will not this time be unlocked to behavior people, such as be judged to it is specifically to be authorized Course replay, mandate is finished, and involved party is upper to power off switch (1), and bank computer control system is the next to open ATM room door Electric door lock.

2. the method for usurping other people bank cards is blocked according to claim 1, it is characterised in that licensing process reproduces to be included：

1. from capture, involved party front aligns visual camera lens (3), is completed from capture from viewed area in monitor scope (2)；

2. request authorize, told by Mike (5), by visual signal transferring and receiving apparatus (6) send trustee videophone The mode of number, gets through the videophone of trustee, and involved party realizes mutually regarding with trustee；At involved party, it is aobvious in monitoring After showing that his vision area of device (2) is seen and confirms to entrust artificial "true", bank's card number of the trustee is told successively by Mike (5) 4, the end of code, sends " authorized application " to trustee；

3. confirm to authorize, trustee after it have received image, associated bank card number code that involved party transmits and be verified as "true", Trustee sends confirmation signal to videophone microphone, and system obtains final product broken visual the testing of order and sends out receipts by visual signal in device Device (6) is to monitor scope (2) and the electricity of loudspeaker (4) circuit, while keeping visual testing to be sent out by visual signal in device Receive device (6) unimpeded to the positive often-have-electricity in bank computer control system circuit；Trustee to bank computer control system say with The bank card of oneself consignment store's behaviour processes financial business mutually one-to-one bank card end 4 numbers, proxypassword and is authorized Content, mandate terminates.

3. it is according to claim 1 or claim 2 to block the method for usurping other people bank cards, it is characterised in that for involved party in ATM At machine using it is non-I and do not carry out authorize reproduction bank card, bank computer control system control ATM retain card.

4. the method for usurping other people bank cards is blocked according to claim 1, it is characterised in that the door selects the horizontal drawing in left and right, band The elasticity of spring returns Guan Shimen automatically, and outer door handle (63) category is mechanical, and inside door handle (64) selects motor switch type, and and bank Computerized control system is connected；The electric door lock executing agency includes miniature reversible dc motor, rack and pinion drive mechanism.