CN104809810A - Method and device for detecting copy card of bank magnetic stripe card - Google Patents
Method and device for detecting copy card of bank magnetic stripe card Download PDFInfo
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Abstract
The embodiment of the invention relates to a method and a device for detecting a copy card of a bank magnetic stripe card. The method comprises the following steps of reading account information and last transaction feature information which are stored in the magnetic stripe card; generating current transaction feature information corresponding to a current transaction; transmitting the current transaction feature information as well as the account information and the last transaction feature information which are stored in the magnetic stripe card to a banking service host for verifying the last transaction feature information. According to the method and the device disclosed by the invention, the last transaction feature information stored in the banking service host and the last transaction feature information stored in the magnetic stripe card are verified; whether the copy card of the bank magnetic stripe card exists is judged according to the verification result, so that the security of card service processing by users is guaranteed.
Description
Technical field
The embodiment of the present invention relates to finance self-help terminal transaction technical field, particularly relates to a kind of method for detecting bank's magnetic stripe card copy card and device.
Background technology
At present, bank card is still main flow with magnetic stripe card, although IC-card starts universal use, following significant period of time, magnetic stripe card still occupies the market of bank card.Magnetic stripe card cost is low, and IC-card cost is high, and the operation system of bank is moved to IC-card by magnetic stripe card, needs the time that one longer.
Magnetic stripe card easily copies, and only need a reader device can reading and writing magnetic strip information, offender often utilizes copy card technology to carry out financial crime, and means are quite hidden, not easily find.When possessor's card information is stolen, after being made into copy card, the accounts information of user just controls by offender for a long time, and holder is still unaware.The biggest threat of copy card technological maheup to holder's rights and interests, every year all because the loss that copy card causes is difficult to counting.Current, still there is magnetic stripe card information and easily obtain and the technological deficiency easily copied in magnetic stripe card, prior art does not adopt any technological means to solve or make up this technological deficiency, cannot judge whether magnetic stripe card account exists copy card, bring great security threat to holder.
Summary of the invention
Given this, the invention provides a kind of method for detecting bank's magnetic stripe card copy card and device, easily obtain and the technological deficiency easily copied to make up magnetic stripe card information, effectively detect bank's magnetic stripe card copy card, ensure the security of card business transaction.
For achieving the above object, the present invention adopts following technical scheme:
First aspect, a kind of method for detecting bank's magnetic stripe card copy card that the embodiment of the present invention provides, comprising:
Read the account information and last transaction characteristic information that store in magnetic stripe card;
Generate and this this transaction feature information of concluding the business corresponding;
The account information stored in this transaction feature information described, described magnetic stripe card and last transaction characteristic information are sent to banking main frame, for banking main frame, described last transaction characteristic information is verified;
When confirming that the last transaction characteristic information of last transaction characteristic information and the banking host stores stored in described magnetic stripe card is consistent, this transaction feature information described is written to described magnetic stripe card.
Second aspect, a kind of method for detecting bank's magnetic stripe card copy card that the embodiment of the present invention provides, comprising:
Receive the account information and last transaction characteristic information that store in this transaction feature information of self-aided terminal transmission, customer transaction information, magnetic stripe card;
Obtain the local last transaction characteristic information that stores according to described account information and carry out transaction feature Information Authentication with the last transaction characteristic information that stores in described magnetic stripe card;
Described this locality store last transaction characteristic information and consistent with the last transaction characteristic information stored in described magnetic stripe card time, business processing is carried out according to described customer transaction information, and by this transaction feature information described, upgrade the last transaction characteristic information that described this locality stores.
The third aspect, a kind of device for detecting bank's magnetic stripe card copy card that the embodiment of the present invention provides, comprising:
Module for reading and writing, for reading the account information and last transaction characteristic information that store in magnetic stripe card;
Transaction feature generation module, for generating this transaction feature information of concluding the business corresponding with this;
First data transmission module, for the account information stored in this transaction feature information described, described magnetic stripe card and last transaction characteristic information are sent to banking main frame, verifies described last transaction characteristic information for banking main frame;
When described module for reading and writing is also for confirming that the last transaction characteristic information of last transaction characteristic information and the banking host stores stored in described magnetic stripe card is consistent, this transaction feature information described is written to described magnetic stripe card.
Fourth aspect, a kind of device for detecting bank's magnetic stripe card copy card that the embodiment of the present invention provides, comprising:
Second data transmission module, for receiving this transaction feature information, customer transaction information, the account information stored in magnetic stripe card and last transaction characteristic information that self-aided terminal sends;
Signature verification module, for obtaining the local last transaction characteristic information that stores and carrying out transaction feature Information Authentication with the last transaction characteristic information that stores in described magnetic stripe card according to described account information;
Second Service Processing Module, for described this locality store last transaction characteristic information and consistent with the last transaction characteristic information stored in described magnetic stripe card time, carry out business processing according to described customer transaction information.
Transaction feature update module, for by this transaction feature information described, upgrades the last transaction characteristic information that described this locality stores.
A kind of method for detecting bank's magnetic stripe card copy card provided by the invention and device, by the last transaction characteristic information stored in the last transaction characteristic information of banking host stores and magnetic stripe card is verified, judge whether to deposit magnetic stripe card copy card in the bank according to the result, when the last transaction characteristic information of banking host stores is consistent with the last transaction characteristic information stored in magnetic stripe card, carry out business processing, ensure that the security of card business process.
Accompanying drawing explanation
The schematic flow sheet of a kind of method for detecting bank's magnetic stripe card copy card that Fig. 1 provides for the embodiment of the present invention one;
The schematic flow sheet of a kind of method for detecting bank's magnetic stripe card copy card that Fig. 2 provides for the embodiment of the present invention two;
The schematic flow sheet of a kind of method for detecting bank's magnetic stripe card copy card that Fig. 3 provides for the embodiment of the present invention three;
The schematic flow sheet of a kind of method for detecting bank's magnetic stripe card copy card that Fig. 4 provides for the embodiment of the present invention four;
The schematic flow sheet of a kind of method for detecting bank's magnetic stripe card copy card that Fig. 5 provides for the embodiment of the present invention five;
The structured flowchart of a kind of device for detecting bank's magnetic stripe card copy card that Fig. 6 provides for the embodiment of the present invention six;
The structured flowchart of a kind of device for detecting bank's magnetic stripe card copy card that Fig. 7 provides for the embodiment of the present invention seven;
A kind of system chart for detecting bank's magnetic stripe card copy card that Fig. 8 provides for the embodiment of the present invention seven.
Embodiment
Technical scheme of the present invention is further illustrated by embodiment below in conjunction with accompanying drawing.Be understandable that, specific embodiment described herein is only for explaining the present invention, but not limitation of the invention.It also should be noted that, for convenience of description, illustrate only part related to the present invention in accompanying drawing but not entire infrastructure.
Embodiment one
The schematic flow sheet of a kind of method for detecting bank's magnetic stripe card copy card that Fig. 1 provides for the embodiment of the present invention one, the method is applicable to the detection to bank's magnetic stripe card copy card, what the method can be provided by the embodiment of the present invention simultaneously performs for the device detecting bank's magnetic stripe card copy card, and this device can adopt the mode of software and/or hardware to realize.As shown in Figure 1, the method comprises:
The account information stored in step 101, reading magnetic stripe card and last transaction characteristic information.
When user carries out bank's magnetic stripe card business transaction on the self-aided terminal with detection bank magnetic stripe card copy card function, self-aided terminal reads the storage information in magnetic stripe card automatically, and this storage information comprises account information and the last transaction characteristic information of card user; Wherein, account information comprises the name of user, identification card number, clip pin and contact method, and transaction feature information is for identifying card business each time.
Step 102, generation and this this transaction feature information of concluding the business corresponding.
In the present embodiment, when user carries out business transaction, self-aided terminal generates this transaction feature information of concluding the business corresponding with this automatically.Wherein above-mentioned last transaction characteristic information and this transaction feature information are random number or random string.
Step 103, the account information stored in this transaction feature information, magnetic stripe card and last transaction characteristic information are sent to banking main frame, for banking main frame, last transaction characteristic information is verified.
Wherein, self-aided terminal can be connected by wired or wireless mode with banking main frame, and this banking main frame can carry out corresponding business processing according to customer transaction information.The account information stored in this transaction feature information, magnetic stripe card and last transaction characteristic information are sent to banking main frame by self-aided terminal, verify last transaction characteristic information for banking main frame.
When the last transaction characteristic information stored in step 104, confirmation magnetic stripe card is consistent with the last transaction characteristic information of banking host stores, this transaction feature information is written to magnetic stripe card.
Exemplary, self-aided terminal receives the result that banking main frame returns, and when the last transaction characteristic information confirming to store in magnetic stripe card is consistent with the last transaction characteristic information of banking host stores, this transaction feature information is written to magnetic stripe card; Otherwise, stop this business, and point out this magnetic stripe card of user to there is copy card, and this card is made to lose efficacy and can not re-use, if this card is legal card, a business operation has been carried out before showing copy card, cause the last transaction characteristic information of legal card different from the last transaction characteristic information of banking host stores, legal card was lost efficacy, and user just can realize to there is copy card, thus more funds can not be injected toward the account, just can avoid larger economic loss; If this card is copy card, copy card will be made to lose efficacy and can not re-use, and legal card is owing to changing with the transaction feature synchronizing information of banking host stores, thus remains valid, ensure that the security of business processing.
Wherein, above-mentioned last transaction characteristic information and this transaction feature information can be stored in magnetic stripe card blank magnetic track, enable magnetic track clear area or enable in the reserved field of magnetic track.
It should be noted that, the transaction feature information that any twice business generates, do not have association in logic, the transaction feature information of service generation each time, all random number or random string, as long as guarantee with in a business, the transaction feature information stored in bank's magnetic stripe card, consistent with the transaction feature information that banking main frame stores.
In addition, after user selects required business, self-aided terminal can obtain customer transaction information, and customer transaction information is sent to banking main frame, carries out business processing to make banking main frame.Wherein, customer transaction information comprises inquiry, transfers accounts, changes close and/or the deposit or the withdrawal information.
The embodiment of the present invention one provides a kind of method for detecting bank's magnetic stripe card copy card, by self-aided terminal, the account information stored in magnetic stripe card and last transaction characteristic information are sent to banking main frame, to verify the transaction feature information of this magnetic stripe card, when the last transaction characteristic information of Confirm Bank's business host stores is consistent with the last transaction characteristic information stored in magnetic stripe card, carry out business processing, ensure that the security of card business process.
Embodiment two
The schematic flow sheet of a kind of method for detecting bank's magnetic stripe card copy card that Fig. 2 provides for the embodiment of the present invention two, the present embodiment is optimized based on above-described embodiment, in the present embodiment, step is confirmed that the last transaction characteristic information of last transaction characteristic information and the banking host stores stored in magnetic stripe card is consistent to be optimized for: receive banking main frame verifying the effective identification message of business that the last transaction characteristic information of last transaction characteristic information and the banking host stores stored in magnetic stripe card sends time consistent.
Accordingly, the method for the present embodiment comprises the steps:
The account information stored in step 201, reading magnetic stripe card and last transaction characteristic information.
Step 202, generation and this this transaction feature information of concluding the business corresponding.
Step 203, the account information stored in this transaction feature information, magnetic stripe card and last transaction characteristic information are sent to banking main frame, for banking main frame, last transaction characteristic information is verified.
This transaction feature information, verifying the effective identification message of business that the last transaction characteristic information stored in magnetic stripe card sends time consistent with the last transaction characteristic information of banking host stores, is written to magnetic stripe card by step 204, reception banking main frame.
In this step, whether the business no matter user handles has successful execution, as long as self-aided terminal receives banking main frame verifying the effective identification message of business that the last transaction characteristic information stored in magnetic stripe card sends time consistent with the last transaction characteristic information of banking host stores, just this transaction feature information is written to magnetic stripe card.If receive the business invalidated identification message that banking main frame sends, this transaction feature information is not just then written to magnetic stripe card, and this magnetic stripe card lost efficacy simultaneously.
Further, step confirms that the last transaction characteristic information stored in magnetic stripe card is consistent with the last transaction characteristic information of banking host stores and can also be optimized for: receive banking main frame and verifying that the last transaction characteristic information of last transaction characteristic information and the banking host stores stored in magnetic stripe card is consistent, and the business processing success message sent after carrying out business processing according to customer transaction information.
In this step, the last transaction characteristic information that self-aided terminal only stores in checking magnetic stripe card at reception banking main frame is consistent with the last transaction characteristic information of banking host stores, and after the business processing success message sent after carrying out business processing according to customer transaction information, namely, only after this business successful execution, just this transaction feature information is written to magnetic stripe card.If self-aided terminal confirms that last transaction characteristic information is consistent, but receive the business processing failed message of banking main frame transmission, then this transaction feature information can not be written to magnetic stripe card, but this magnetic stripe card remains valid; If self-aided terminal confirms that last transaction characteristic information is inconsistent, then this transaction feature information is not just then written to magnetic stripe card, and this magnetic stripe card lost efficacy simultaneously.
The embodiment of the present invention two is optimized for confirming that the last transaction characteristic information stored in magnetic stripe card is consistent with the last transaction characteristic information of banking host stores: receive banking main frame and verifying that the last transaction characteristic information of last transaction characteristic information and the banking host stores stored in magnetic stripe card is consistent, and the business processing success message sent after carrying out business processing according to customer transaction information.Only when this business successful execution, just the transaction feature information of magnetic stripe card is upgraded, saved the read-write number of times of magnetic stripe card, extended the life-span of magnetic stripe card, decreased the overhead except self-service business, improve efficiency.
Embodiment three
The schematic flow sheet of a kind of method for detecting bank's magnetic stripe card copy card that Fig. 3 provides for the embodiment of the present invention three, the present embodiment is optimized based on above-described embodiment, in the present embodiment, step is added in generation with before this this transaction feature information of concluding the business corresponding: confirm that this is concluded the business as discontinuous connected transaction.
Accordingly, the method for the present embodiment comprises the steps:
The account information stored in step 301, reading magnetic stripe card and last transaction characteristic information.
Step 302, confirm that this transaction is for discontinuous connected transaction.
Wherein, continuous connected transaction be same magnetic stripe card account carry out on same self-aided terminal with the continuous business that the last traffic time associates.After self-aided terminal detects that same magnetic stripe card account completes a business operation, continue to perform business operation, just confirm that this transaction is continuous connected transaction, the self-aided terminal transaction feature information that regeneration is not new; Otherwise self-aided terminal confirms that this transaction is discontinuous connected transaction, then perform step 303.
Step 303, generation and this this transaction feature information of concluding the business corresponding.
Step 304, the account information stored in this transaction feature information, magnetic stripe card and last transaction characteristic information are sent to banking main frame, for banking main frame, last transaction characteristic information is verified.
When the last transaction characteristic information stored in step 305, confirmation magnetic stripe card is consistent with the last transaction characteristic information of banking host stores, this transaction feature information is written to magnetic stripe card.
The embodiment of the present invention three adds step: confirm that this transaction is discontinuous connected transaction.Self-aided terminal only when confirming this transaction for discontinuous connected transaction, just generates and this this transaction feature information of concluding the business corresponding; Otherwise this new transaction can not be generated, thus decrease the number of times this transaction feature information being written to magnetic stripe card, save the read-write number of times of magnetic stripe card, extended the life-span of magnetic stripe card, decreased the overhead except self-service business, improve efficiency.
Embodiment four
The schematic flow sheet of a kind of method for detecting bank's magnetic stripe card copy card that Fig. 4 provides for the embodiment of the present invention four, the method is applicable to the detection to bank's magnetic stripe card copy card, what the method can be provided by the embodiment of the present invention simultaneously performs for the device detecting bank's magnetic stripe card copy card, and this device can adopt the mode of software and/or hardware to realize.As shown in Figure 4, the method comprises:
The account information stored in step 401, this transaction feature information receiving self-aided terminal transmission, customer transaction information, magnetic stripe card and last transaction characteristic information.
This step is performed by banking main frame, and wherein, banking main frame is the server carrying out self-service business processing for bank backstage.The account information stored in this transaction feature information that banking main frame can be sent by wired or wireless network reception self-aided terminal, customer transaction information, magnetic stripe card and last transaction characteristic information.
Step 402, obtain the local last transaction characteristic information that stores according to account information and carry out transaction feature Information Authentication with the last transaction characteristic information that stores in magnetic stripe card.
Banking main frame obtains the storage information of this account in this locality according to the account information received, and chooses the last transaction characteristic information that recent transaction feature information stores as this locality from storage information.The last transaction characteristic information stored in the last transaction characteristic information of this locality storage and magnetic stripe card is carried out transaction feature Information Authentication.Exemplary, transaction feature information can be random number or random string, and the mode contrasted by turn can be adopted to verify above-mentioned transaction feature information; Concrete, the last transaction characteristic information that this locality stores is compared with the data of the corresponding position of last transaction characteristic information stored in magnetic stripe card, as long as there is a data different, just judges that above-mentioned transaction feature information is inconsistent; Otherwise, judge that above-mentioned transaction feature information is consistent.
When step 403, the last transaction characteristic information stored in this locality are consistent with the last transaction characteristic information stored in magnetic stripe card, business processing is carried out according to customer transaction information, and by this transaction feature information described, upgrade the last transaction characteristic information that described this locality stores.
If when the last transaction characteristic information that stores of bank self-help host verification this locality is consistent with the last transaction characteristic information stored in magnetic stripe card, then carry out business processing according to customer transaction information, process and inquire about, transfer accounts, change close, the self-service business such as to deposit and withdraw; If above-mentioned transaction feature information is inconsistent, then stop this business.
The embodiment of the present invention four provides a kind of method for detecting bank's magnetic stripe card copy card, the last transaction characteristic information stored by banking host computer this locality is verified the last transaction characteristic information stored in the magnetic stripe card received, when verifying that last transaction characteristic information is consistent, carry out business processing according to customer transaction information, ensure that the security of card business process.
Embodiment five
The schematic flow sheet of a kind of method for detecting bank's magnetic stripe card copy card that Fig. 5 provides for the embodiment of the present invention five, the present embodiment is optimized based on above-described embodiment, in the present embodiment, when last transaction characteristic information step stored in this locality is consistent with the last transaction characteristic information stored in magnetic stripe card, carry out business processing according to customer transaction information to be optimized for: when the last transaction characteristic information stored in this locality is consistent with the last transaction characteristic information stored in magnetic stripe card, the effective identification message of business is sent directly to self-aided terminal, business processing is carried out according to customer transaction information.
Accordingly, the method for the present embodiment comprises the steps:
The account information stored in step 501, this transaction feature information receiving self-aided terminal transmission, customer transaction information, magnetic stripe card and last transaction characteristic information.
Step 502, obtain the local last transaction characteristic information that stores according to account information and carry out transaction feature Information Authentication with the last transaction characteristic information that stores in magnetic stripe card.
When step 503, the last transaction characteristic information stored in this locality are consistent with the last transaction characteristic information stored in magnetic stripe card, send the effective identification message of business directly to self-aided terminal, carry out business processing according to customer transaction information.
In this step, as long as the local last transaction characteristic information stored of banking main frame checking is consistent with the last transaction characteristic information stored in magnetic stripe card, just send the effective identification message of business directly to self-aided terminal, to indicate self-aided terminal, this transaction feature information is written to magnetic stripe card.If the last transaction characteristic information that stores is inconsistent in the last transaction characteristic information that banking host verification this locality stores and magnetic stripe card, no longer carry out business processing, and send business invalidated identification message to self-aided terminal, to indicate self-aided terminal this transaction feature information need not be written to magnetic stripe card, and this magnetic stripe card was lost efficacy.
Further, when the last transaction characteristic information that step stores in this locality is consistent with the last transaction characteristic information stored in magnetic stripe card, carry out business processing according to customer transaction information can also be optimized for: the last transaction characteristic information stored in this locality is consistent with the last transaction characteristic information stored in magnetic stripe card, and sends business processing success message after carrying out business processing according to customer transaction information.
In this step, banking main frame only has the local last transaction characteristic information stored of checking consistent with the last transaction characteristic information stored in magnetic stripe card, and after carrying out business processing according to customer transaction information, just send business processing success message to self-aided terminal, to indicate self-aided terminal, this transaction feature information is written to magnetic stripe card.If the last transaction characteristic information that banking host verification this locality stores is consistent with the last transaction characteristic information stored in magnetic stripe card, but user eliminates transaction, then send the effective identification message of business and business processing failed message to self-aided terminal, to indicate self-aided terminal no longer this transaction feature information to be written to magnetic stripe card, and this magnetic stripe card is remained valid; If the last transaction characteristic information that stores is inconsistent in the last transaction characteristic information that banking host verification this locality stores and magnetic stripe card, no longer carry out business processing, and send business invalidated identification message to self-aided terminal, to indicate self-aided terminal this transaction feature information need not be written to magnetic stripe card, and this magnetic stripe card was lost efficacy.
Further, obtaining the local last transaction characteristic information that stores according to account information and adding step before carrying out transaction feature Information Authentication with the last transaction characteristic information that stores in described magnetic stripe card: confirming that this conclude the business is being discontinuous connected transaction.
In this step, after banking main frame completes the business of magnetic stripe card account, continue the customer transaction information receiving this magnetic stripe card that same self-aided terminal sends, just confirm that this transaction is for continuous connected transaction, banking main frame no longer obtains the local last transaction characteristic information that stores and carries out transaction feature Information Authentication with the last transaction characteristic information that stores in described magnetic stripe card; Otherwise this transaction of banking host acknowledgement is discontinuous connected transaction, then perform step 402.
When the last transaction characteristic information that step stores in this locality by the embodiment of the present invention five is consistent with the last transaction characteristic information stored in magnetic stripe card, carry out business processing according to customer transaction information can also be optimized for: the last transaction characteristic information stored in this locality is consistent with the last transaction characteristic information stored in magnetic stripe card, and sends business processing success message after carrying out business processing according to customer transaction information.The read-write number of times of magnetic stripe card can be saved, extended the life-span of magnetic stripe card, decrease the overhead except self-service business, improve efficiency.In addition, step is added: confirm that this transaction is discontinuous connected transaction.Directly can process business, improve efficiency.
Embodiment six
The structured flowchart of a kind of device for detecting bank's magnetic stripe card copy card that Fig. 6 provides for the embodiment of the present invention six, this device can be arranged in self-aided terminal, and as shown in Figure 6, this device comprises:
Module for reading and writing 10, for reading the account information and last transaction characteristic information that store in magnetic stripe card;
Transaction feature generation module 11, for generating this transaction feature information of concluding the business corresponding with this;
First data transmission module 12, for the account information stored in this transaction feature information, magnetic stripe card and last transaction characteristic information are sent to banking main frame, verifies last transaction characteristic information for banking main frame;
When module for reading and writing 10 is also for confirming that the last transaction characteristic information of last transaction characteristic information and the banking host stores stored in magnetic stripe card is consistent, this transaction feature information is written to magnetic stripe card.
Exemplary, last transaction characteristic information and this transaction feature information can be stored in described magnetic stripe card blank magnetic track, enable magnetic track clear area or enable in the reserved field of magnetic track.Above-mentioned can be random number or random string with this transaction feature information that this concludes the business corresponding.
The embodiment of the present invention six provides a kind of device for detecting bank's magnetic stripe card copy card, by self-aided terminal, the account information stored in magnetic stripe card and last transaction characteristic information are sent to banking main frame, to verify the transaction feature information of this magnetic stripe card, when the last transaction characteristic information of Confirm Bank's business host stores is consistent with the last transaction characteristic information stored in magnetic stripe card, carry out business processing, ensure that the security of card business process.
Further, this device also comprises:
First Service Processing Module 13, for obtaining customer transaction information, and sends to banking main frame by first data transmission module 12 by customer transaction information.
Further, first data transmission module 12 is specifically for receiving banking main frame verifying the effective identification message of business that the last transaction characteristic information stored in magnetic stripe card sends time consistent with the last transaction characteristic information of banking host stores; Or
Receive banking main frame and verifying that the last transaction characteristic information stored in magnetic stripe card is consistent with the last transaction characteristic information of banking host stores, and the business processing success message sent after carrying out business processing according to customer transaction information.
Further, this device also comprises:
First confirms module 14, for generating at described transaction feature generation module and confirming before this this transaction feature information of concluding the business corresponding that this is concluded the business as discontinuous connected transaction.
Embodiment seven
The structured flowchart of a kind of device for detecting bank's magnetic stripe card copy card that Fig. 7 provides for the embodiment of the present invention seven, this device can be arranged in banking main frame, and as shown in Figure 7, this device comprises:
Second data transmission module 20, for receiving this transaction feature information, customer transaction information, the account information stored in magnetic stripe card and last transaction characteristic information that self-aided terminal sends;
Signature verification module 21, for obtaining the local last transaction characteristic information that stores and carrying out transaction feature Information Authentication with the last transaction characteristic information that stores in magnetic stripe card according to account information;
Second Service Processing Module 22, when the last transaction characteristic information for storing in this locality is consistent with the last transaction characteristic information stored in described magnetic stripe card, carries out business processing according to customer transaction information;
Transaction feature update module 23, for by this transaction feature information described, upgrades the last transaction characteristic information that described this locality stores.
The embodiment of the present invention seven provides a kind of device for detecting bank's magnetic stripe card copy card, the last transaction characteristic information stored by banking host computer this locality is verified the last transaction characteristic information stored in the magnetic stripe card received, when verifying that last transaction characteristic information is consistent, carry out business processing according to customer transaction information, ensure that the security of card business process.
Further, when the second data transmission module 20 is consistent with the last transaction characteristic information stored in magnetic stripe card specifically for the last transaction characteristic information that stores in this locality, send the effective identification message of business directly to self-aided terminal; Or the last transaction characteristic information stored in this locality is consistent with the last transaction characteristic information stored in described magnetic stripe card, and sends business processing success message after carrying out business processing according to customer transaction information.
Further, this device also comprises:
Second confirms module 23, and obtaining the local last transaction characteristic information that stores for signature verification module 21 according to account information and confirming that this conclude the business before carrying out transaction feature Information Authentication with the last transaction characteristic information that stores in magnetic stripe card is discontinuous connected transaction.
With reference to figure 8, be a kind of system chart for detecting bank's magnetic stripe card copy card that the embodiment of the present invention seven provides, as shown in Figure 8, this system comprises self-aided terminal and banking main frame.Wherein, self-aided terminal comprises module for reading and writing 10, transaction feature generation module 11, first data transmission module 12, first Service Processing Module 13 and the first confirmation module 14; Banking main frame comprises the second data transmission module 20, signature verification module 21, second Service Processing Module 22 and second confirms module 23; Self-aided terminal and banking main frame carry out wired or wireless communication by first data transmission module 12 and the second data transmission module 20.
Note, above are only preferred embodiment of the present invention and institute's application technology principle.Skilled person in the art will appreciate that and the invention is not restricted to specific embodiment described here, various obvious change can be carried out for a person skilled in the art, readjust and substitute and can not protection scope of the present invention be departed from.Therefore, although be described in further detail invention has been by above embodiment, the present invention is not limited only to above embodiment, when not departing from the present invention's design, can also comprise other Equivalent embodiments more, and scope of the present invention is determined by appended right.
Claims (12)
1. for detecting a method for bank's magnetic stripe card copy card, it is characterized in that, comprising:
Read the account information and last transaction characteristic information that store in magnetic stripe card;
Generate and this this transaction feature information of concluding the business corresponding;
The account information stored in this transaction feature information described, described magnetic stripe card and last transaction characteristic information are sent to banking main frame, for banking main frame, described last transaction characteristic information is verified;
When confirming that the last transaction characteristic information of last transaction characteristic information and the banking host stores stored in described magnetic stripe card is consistent, this transaction feature information described is written to described magnetic stripe card.
2. method according to claim 1, is characterized in that, described method also comprises:
Obtain customer transaction information, and described customer transaction information is sent to banking main frame;
The last transaction characteristic information stored in described confirmation magnetic stripe card is consistent with the last transaction characteristic information of banking host stores to be comprised:
Receive described banking main frame verifying in described magnetic stripe card the effective identification message of business that the last transaction characteristic information stored sends time consistent with the last transaction characteristic information of banking host stores; Or
Receive described banking main frame and verifying that the last transaction characteristic information stored in described magnetic stripe card is consistent with the last transaction characteristic information of banking host stores, and the business processing success message sent after carrying out business processing according to described customer transaction information.
3. method according to claim 1, is characterized in that, described generation also comprises with before this this transaction feature information of concluding the business corresponding:
Confirm that this transaction is discontinuous connected transaction.
4. for detecting a method for bank's magnetic stripe card copy card, it is characterized in that, comprising:
Receive the account information and last transaction characteristic information that store in this transaction feature information of self-aided terminal transmission, customer transaction information, magnetic stripe card;
Obtain the local last transaction characteristic information stored according to described account information, and carry out transaction feature Information Authentication with the last transaction characteristic information that stores in described magnetic stripe card;
Described this locality store last transaction characteristic information and consistent with the last transaction characteristic information stored in described magnetic stripe card time, business processing is carried out according to described customer transaction information, and by this transaction feature information described, upgrade the last transaction characteristic information that described this locality stores.
5. method according to claim 4, is characterized in that, when the last transaction characteristic information stored is consistent with the last transaction characteristic information stored in described magnetic stripe card, sends the effective identification message of business directly to described self-aided terminal in described this locality; Or,
The last transaction characteristic information stored in described this locality is consistent with the last transaction characteristic information stored in described magnetic stripe card, and sends business processing success message after carrying out business processing according to described customer transaction information.
6. method according to claim 5, is characterized in that, describedly obtains the local last transaction characteristic information that stores according to account information and also comprises before carrying out transaction feature Information Authentication with the last transaction characteristic information that stores in described magnetic stripe card:
Confirm that this transaction is discontinuous connected transaction.
7. for detecting a device for bank's magnetic stripe card copy card, it is characterized in that, comprising:
Module for reading and writing, for reading the account information and last transaction characteristic information that store in magnetic stripe card;
Transaction feature generation module, for generating this transaction feature information of concluding the business corresponding with this;
First data transmission module, for the account information stored in this transaction feature information described, described magnetic stripe card and last transaction characteristic information are sent to banking main frame, verifies described last transaction characteristic information for banking main frame;
When described module for reading and writing is also for confirming that the last transaction characteristic information of last transaction characteristic information and the banking host stores stored in described magnetic stripe card is consistent, this transaction feature information described is written to described magnetic stripe card.
8. device according to claim 7, is characterized in that, described device also comprises:
First Service Processing Module, for obtaining customer transaction information, and sends to banking main frame by described first data transmission module by described customer transaction information;
Described first data transmission module is specifically for receiving described banking main frame verifying in described magnetic stripe card the effective identification message of business that the last transaction characteristic information stored sends time consistent with the last transaction characteristic information of banking host stores; Or
Receive described banking main frame and verifying that the last transaction characteristic information stored in described magnetic stripe card is consistent with the last transaction characteristic information of banking host stores, and the business processing success message sent after carrying out business processing according to described customer transaction information.
9. device according to claim 7, is characterized in that, also comprises:
First confirms module, for generating at described transaction feature generation module and confirming before this this transaction feature information of concluding the business corresponding that this is concluded the business as discontinuous connected transaction.
10. for detecting a device for bank's magnetic stripe card copy card, it is characterized in that, comprising:
Second data transmission module, for receiving this transaction feature information, customer transaction information, the account information stored in magnetic stripe card and last transaction characteristic information that self-aided terminal sends;
Signature verification module, for obtaining the local last transaction characteristic information that stores and carrying out transaction feature Information Authentication with the last transaction characteristic information that stores in described magnetic stripe card according to described account information;
Second Service Processing Module, when the last transaction characteristic information for storing in described this locality is consistent with the last transaction characteristic information stored in described magnetic stripe card, carries out business processing according to described customer transaction information;
Transaction feature update module, for by this transaction feature information described, upgrades the last transaction characteristic information that described this locality stores.
11. devices according to claim 10, it is characterized in that, described second data transmission module, specifically for when the last transaction characteristic information of described this locality storage is consistent with the last transaction characteristic information stored in described magnetic stripe card, sends the effective identification message of business directly to described self-aided terminal; Or the last transaction characteristic information stored in described this locality is consistent with the last transaction characteristic information stored in described magnetic stripe card, and sends business processing success message after carrying out business processing according to described customer transaction information.
12. devices according to claim 11, is characterized in that, also comprise:
Second confirms module, and obtaining the local last transaction characteristic information that stores for described signature verification module according to account information and confirming that this conclude the business before carrying out transaction feature Information Authentication with the last transaction characteristic information that stores in described magnetic stripe card is discontinuous connected transaction.
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| CN201510198090.4A CN104809810B (en) | 2015-04-24 | 2015-04-24 | A kind of method and device for being used to detect bank's magnetic stripe card copy card |
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| CN111737960A (en) * | 2020-07-01 | 2020-10-02 | 中国银行股份有限公司 | Magnetic card data processing method and system |
| CN112311807A (en) * | 2020-11-09 | 2021-02-02 | 珠海格力电器股份有限公司 | Method, device, equipment and storage medium for preventing smart card from being reused |
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| CN104809810B (en) | 2017-08-29 |
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