CN105761377B - A kind of ATM prevents the method that bank card is stealthily substituted, stolen - Google Patents
A kind of ATM prevents the method that bank card is stealthily substituted, stolen Download PDFInfo
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- CN105761377B CN105761377B CN201610061445.XA CN201610061445A CN105761377B CN 105761377 B CN105761377 B CN 105761377B CN 201610061445 A CN201610061445 A CN 201610061445A CN 105761377 B CN105761377 B CN 105761377B
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/206—Software aspects at ATMs
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/207—Surveillance aspects at ATMs
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- Accounting & Taxation (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of ATM to prevent the method that bank card stealthily substituted, stolen, it is characterized in that, when there is bank card in card reader, card inlet inserts another bank card, scene carries out security alarm voice message, card can correctly be moved back to bank card checking in card reader, retain card operation otherwise is carried out to bank card in card reader, so as to effectively prevent bank card from being stealthily substituted, stolen；After bank card is spued or swallowed in card reader, enter bank card in card reader in limiting time, if the bank card number entered and the bank's card number kept in card number working area are inconsistent, the bank card for assert entrance may be card of stealthily substituting：The bank card exit function key for being introduced into transaction interface is shielded in limited time, inquiry into balance function is set up to entering the bank card exit function key after transaction interface in limited time, and their summation in limited time is set to one and quantified, user is allowed actively independently to go to verify bank card information so as to realize, prevent that bank card from being stealthily substituted, and do not influence normal use ATM.
Description
Technical field
The present invention relates to bank card security technical field, concretely relate to a kind of ATM prevent bank card from being stealthily substituted,
The method stolen.
Background technology
At present, ATM is widely used in financial quarters, and people use bank card on the ATM in non-" cabin of a people one "：Use
When complete (withdraw the money, transfer accounts, inquiring about) prepares to move back card, if by other people using mode of taking sb's mind off sth, when user's sight leaves ATM
Another and user's bank card same color card are inserted in card reader (magnetic card read write line) entrance, it is easy to gain user by cheating and take during machine
The card of stealthily substituting in card reader (magnetic card read write line) porch is walked, after user is got out, offender with card reader (read and write by magnetic card
Device) in user's bank card for stopping take cash away, especially old man, women when using bank card on ATM by unique
The event that people stealthily substitutes bank card happens occasionally；Existing ATM is also present simultaneously：When user has used bank card, forget to operate
Bank card ESC Escape and leave and (do not carry out telling card operation and leave), and just progress when in ATM typically setting 30 seconds without operation
It is automatic to tell card, thus in this 30 seconds user in ATM card reader (magnetic card read write line) if in the bank card that stops be in the boundary that merchandises
Face (inputs after correct bank card password the interface entered), cause in 30 seconds other people using this ATM be easy to by with
The money in bank card that family stops in ATM card reader (magnetic card read write line) is taken away.Although afterwards by checking video monitoring
The person of stealthily substituting or late comer of banknote and bank card are taken in the searching of formula of look for a needle in a haystack away, are only few certain customers and retrieve wealth
Production loss, it is for most users or all in vain while laborious and bothersome.It is simultaneously well-known：For
User has used bank card, forgets to operate bank card ESC Escape and leave and (do not carry out telling card operation and leaving), other people are mostly
Finding to stop in card reader (magnetic card read write line) after card reader (magnetic card read write line) card inlet inserts bank card has bank card not have
When exiting, evil designs or intentions are just played and take away resting on banknote in card reader (magnetic card read write line) interior bank card.
It is well-known：Current ATM is stopped in card reader (magnetic card read write line) when having bank card, when in card reader (magnetic
Card reader) card inlet inserts another bank card, and another bank card of insertion rests on card reader (magnetic card read write line) and entered
At bayonet socket；When in card reader (magnetic card read write line) without bank card, bank card is inserted in card reader (magnetic card read write line) card inlet,
Control the bank card of card inlet insertion to enter to stop in card reader (magnetic card read write line), the bank card to be entered such as display is close on screen
Code interface, wait and include bank card exit function key behaviour when being introduced into bank card business dealing interface in bank card password interface to be entered
Prompt, now operation is introduced into bank card exit function key during bank card business dealing interface, exits bank card；When input is correct
Bank card password after the bank card business dealing interface that shows access on screen, include bank card in bank card business dealing interface and exit
Function key operation indicating, bank card exit function key is now operated, exits bank card.When ATM is in card reader, (magnetic card is read and write
Device) in the bank card that stops perform and exit (discharges) and operate, bank card exits (discharge) to card reader (magnetic card read write line) and enters card
Mouthful, if not taken out within the stipulated time (general setting 30 seconds), it is specified that the time (general setting 30 seconds) arrives, control in card inlet
Card in card reader (magnetic card read write line) through swallowing cartridge.When the bank card to being stopped in card reader (magnetic card read write line) inputs rule
The bank card password of fixed number (being usually set to 3 times) is incorrect, and ATM will stay in card reader (magnetic card read write line)
Bank card swallow cartridge.
It is well-known：Bank card is interior simultaneously to card reader (magnetic card read write line) from card reader (magnetic card read write line) card inlet is inserted
Stop, the used time is generally higher than equal to 3 seconds；The bank card of stop is withdrawn into card reader (magnetic card out of card reader (magnetic card read write line)
Read write line) card inlet, the used time is typically also greater than equal to 3 seconds；To resting on the input of the bank card in card reader (magnetic card read write line)
Password enters transaction interface, and the used time is equally generally higher than equal to 3 seconds；Preparation moves back the user of card to ensure bank card security, by
The notice that offender the disperses also time with regard to 6,7 seconds, or even shorter；ATM card reader (the magnetic card so offender stealthily substitutes
Read write line) interior bank card frequently with means：The bank card stopped in card reader (magnetic card read write line) is not exited, but in Card Reader
Device (magnetic card read write line) card inlet inserts another and the bank card same color card stopped in card reader (magnetic card read write line), deceives
Take family and take card of stealthily substituting at card reader (magnetic card read write line) card inlet away, after user is got out, offender is with resting on
The bank card of card reader (magnetic card read write line) interior user takes cash away.
It is meanwhile well-known：After user inserts bank card, operate exit function key and moved back not entering transaction interface
Card, usually just can so it be done without correct bank card password；And same user is used for ATM：When with
Family insertion bank card rested on card reader (magnetic card read write line) it is interior when, do not occur at card reader (magnetic card under normal circumstances
Read write line) card inlet user again insertable into another bank card event.
The content of the invention
The purpose of the present invention and the technical problem solved are the defects of presence for the existing ATM system of financial quarters, are proposed
A kind of ATM prevents the method that bank card is stealthily substituted, stolen, and realizes that function includes：1. when there is bank card in card reader, identification
Another bank card is inserted to card reader card inlet, bank card checking in card reader can correctly be moved back in the setting stipulated time
Card, otherwise, checking is incorrect and does not verify or does not transfer to another bank card of card inlet, and retain card is carried out to bank card in card reader
Operation；2. after bank card is spued or swallowed in card reader, enter bank card in card reader in limiting time, if card reader
Interior bank card number and the bank's card number kept in card number working area are inconsistent, and it may be to adjust to assert the bank card in card reader
Bao Ka：The bank card exit function key for being introduced into bank card business dealing interface is shielded in limited time, to entering bank card business dealing interface
Bank card exit function key afterwards sets up inquiry into balance function in limited time, and their summation in limited time is set to one and quantified.So as to real
Shi parts are stealthily substituted and stolen using reduction during bank card to send, and do not influence user's normal operating on present ATM.
In order to realize above-mentioned purpose, the technical scheme is that：
A kind of ATM prevents the method that bank card is stealthily substituted, stolen, and comprises the following steps:
1) the first to the 5th timer is set in ATM CPU, and sets up card number working area, and to setting up
Card number working area reset；
2) until card reader in without card when, first timer is started regularly：In first timer timing, work as reading
Enters bank card in card device, terminate first timer regularly, wouldn't be to the data rewriting in card number working area, and by first timer
Timing remaining time is set as the timing of second timer, otherwise, treats that first timer timing is kept in by card number
Area is reset；
3) when ATM CPU reads bank card number in card reader, if card number working area is zero, will read
The bank card number taken is directly kept in card number working area, and assert that bank card is not card of stealthily substituting in card reader；
4), will if card number working area is not zero when ATM CPU reads bank card number in card reader
The bank card number of reading is made whether unanimously to compare school with the bank card number kept in card number working area：
(1) when card number is inconsistent, assert that bank card may be card of stealthily substituting in card reader：Bank card business dealing interface to be entered,
Bank card number in card reader is covered to card number working area, otherwise, to the data in card number working area without rewriting；
(2) when card number is consistent, assert that bank card is to stealthily substitute card in card reader, and to the data in card number working area without
Rewrite；
5) when there is bank card in card reader, recognize card reader card inlet and insert another bank card again, ATM passes through
Loudspeaker sends security alarm voice message, and ATM keeps/switched back to the function of bank card in card reader and Unionpay's information
Center verify the interface of bank card password, and shields code keypad and all function buttons, i.e. operator password keyboard and work(
Energy button ATM is not responding to, and the 4th timer of setting starts timing, and terminates the 5th timer of timing：
(1) card inlet bank card is taken out in the 4th timer timing, terminates the timing of the 4th timer, and start the
The timing of five timers, discharges the code keypad of shielding and other function buttons in addition to bank card functionality key is exited：
1. in the 5th timer timing enter input bank card password obtain information centre of Unionpay probatio inspectionem pecuoarem it is correct after
Interface, then bank card functionality key is exited in release shielding, and stops the security alarm voice message sent by loudspeaker, this
When operation exit bank card functionality key, spue bank card immediately；
2. not carrying out input password authentification in the 5th timer timing, the 5th timer timing arrives, and stops
The security alarm voice message sent by loudspeaker, and retain card operation is performed to bank card in card reader；
3. in the 5th timer timing, setting input third time password authentification mistake, stop sending out by loudspeaker
The security alarm voice message gone out, and retain card operation is performed to bank card in card reader；
(2) there is no the bank card for taking out card inlet during the 4th timer timing, i.e. the 4th timer timing arrives,
Stop the security alarm voice message sent by loudspeaker, and retain card operation is carried out to bank card in card reader, if after retain card
Another bank card of card inlet insertion does not take out also, controls another bank card of card inlet to enter in card reader；
6) when it may be the card stealthily substituted to assert the bank card in card reader, second timer starts timing, and shields not
Into the bank card exit function key at bank card business dealing interface：
(1) in second timer timing, bank card business dealing interface is entered, second timer timing is terminated, starts
The timing of 3rd timer, and second timer timing remaining time is set as to the timing of the 3rd timer, it is fixed the 3rd
When device timing in, inquiry into balance function is set up to bank card exit function key, after the 3rd timer timing arrives, gone
The inquiry into balance function of being set up except bank card exit function key；
(2) in second timer timing, bank card business dealing interface, and non-retain card are introduced into, when second timer is determined
When the time arrive after, discharge the bank card exit function key for being introduced into bank card business dealing interface of shielding.
Not influence the normal operating of ATM, the first timer timing is arranged to 10 seconds, and the 4th timer is determined
When the time be arranged to 20 seconds, the 5th timer timing is arranged to 20 seconds.
Above-described bank card business dealing interface inputs to input after correct bank card password the interface entered
Bank card password obtains the correct later interface of information centre of Unionpay probatio inspectionem pecuoarem.
Above during bank card exit function key sets up inquiry into balance function, bank card exit function key, screen are operated
Bank card is automatically exited from after upper display bank card account remaining sum, shows that bank card account remaining sum is used to prompt user on screen.
Above step 6) in, in second timer timing, bank card business dealing interface is introduced into, when bank card is gulped down
Enter, then terminate second timer timing.
Above step 6) in, in the 3rd timer timing, operation bank card exit function key, which also has, terminates the
Three timer timing functions, i.e. operation bank card exit function key terminates the timing of the 3rd timer simultaneously.
Above step 5) in, when carrying out retain card operation to the bank card in card reader, if the bank card swallowed has binding hand
Machine, then prompt user by the SMS bound with it.
There is binding mobile phone to the bank card swallowed above, the method by the SMS prompting user bound with it is:
When bank card is swallowed to, ATM uploads the bank card number information swallowed to information centre of Unionpay, and the upload is swallowed
Be set with bank card number information retain card mark, when information centre of Unionpay recognize ATM upload information in have retain card mark
Note, whether bank card number binds mobile phone corresponding to detection, is, sending bank card to binding mobile phone by SMS platform is swallowed to
Information alert user, otherwise, terminate.
Beneficial effect：
A kind of ATM of the present invention prevents method that bank card is stealthily substituted, stolen, using when there is bank card in card reader
When, card inlet inserts another bank card, and scene carries out security alarm voice message, it is specified that to bank card in card reader in the time
Checking can correctly move back card, and otherwise, checking is incorrect and does not verify or does not transfer to another bank card of card inlet, in card reader
Bank card carries out retain card operation, if another bank card that card inlet inserts after retain card does not take out also, controls the another of card inlet
One bank card enters in card reader, when the bank card swallowed has binding mobile phone, also the SMS prompting by being bound with it
User, so as to effectively prevent bank card from being stealthily substituted, stolen；Using after bank card is spued or swallowed in card reader, advising
Enter bank card in interior card reader of fixing time, if the bank card number in card reader and the bank's card number kept in card number working area
It is inconsistent, assert that the bank card in card reader may be card of stealthily substituting：Work(is exited to the bank card for being introduced into bank card business dealing interface
Can key shield in limited time, set up inquiry into balance function in limited time to entering the bank card exit function key behind bank card business dealing interface,
And their summation in limited time is set to one and quantified, allow user actively independently to go to verify bank card information so as to realize, prevent silver
Row card is stealthily substituted, and does not influence normal use ATM.
Brief description of the drawings
Fig. 1 is the FB(flow block) of method that a kind of ATM of the present invention prevents bank card from being stealthily substituted, stolen.
Embodiment
As shown in figure 1, a kind of ATM prevents the method that bank card is stealthily substituted, stolen, comprise the following steps:
S100, the first to the 5th timer is set in ATM CPU, and set up card number working area, and it is right
The card number working area set up is reset；
S200, until card reader in without card when, first timer is started regularly：In first timer timing,
When entering bank card in card reader, first timer timing is terminated, wouldn't be determined to the data rewriting in card number working area, and by first
When device timing remaining time be set as the timing of second timer, otherwise, treat first timer timing to by card number
Working area is reset；
S300, ATM CPU read card reader in bank card number when, if card number working area is zero,
The bank card number of reading is directly kept in card number working area, and it is not card of stealthily substituting to assert the bank card stopped in card reader；
S400, ATM CPU read card reader in bank card number when, if card number working area is not zero,
Then the bank card number kept in the bank card number of reading and card number working area is made whether unanimously to compare school：
(1) when card number is inconsistent, assert that the bank card in card reader may be card of stealthily substituting：Bank card business dealing circle to be entered
Face, the bank card number in card reader is covered to card number working area, otherwise, to the data in card number working area without rewriting；
(2) when card number is consistent, it is not card of stealthily substituting, and the data in card number working area are not entered to assert the bank card in card reader
Row is rewritten；
S500, when there is bank card in card reader, recognize card reader card inlet and insert another bank card, ATM again
Security alarm voice message is sent by loudspeaker, the function of bank card in card reader is kept/switched back to ATM and Unionpay
Information centre verify the interface of bank card password, and shields code keypad and all function buttons, i.e. operator password keyboard
It is not responding to function button ATM, the 4th timer of setting starts timing, and terminates the 5th timer of timing：
(1) card inlet bank card is taken out in the 4th timer timing, terminates the timing of the 4th timer, and start the
The timing of five timers, discharges the code keypad of shielding and other function buttons in addition to bank card functionality key is exited：
1. in the 5th timer timing enter input bank card password obtain information centre of Unionpay probatio inspectionem pecuoarem it is correct after
Interface, then bank card functionality key is exited in release shielding, and stops the security alarm voice message sent by loudspeaker, this
When operation exit bank card functionality key, spue bank card immediately；
2. not carrying out input password authentification in the 5th timer timing, the 5th timer timing arrives, and stops
The security alarm voice message sent by loudspeaker, and retain card operation is performed to bank card in card reader；
3. in the 5th timer timing, setting input third time password authentification mistake, stop sending out by loudspeaker
The security alarm voice message gone out, and retain card operation is performed to bank card in card reader；
(2) there is no the bank card for taking out card inlet during the 4th timer timing, i.e. the 4th timer timing arrives,
Stop the security alarm voice message sent by loudspeaker, and retain card operation is carried out to bank card in card reader, if after retain card
Another bank card of card inlet insertion does not take out also, controls another bank card of card inlet to enter in card reader；
S600, when assert that the bank card that stops may be the card stealthily substituted in card reader, second timer starts timing, and
Shielding is introduced into the bank card exit function key at bank card business dealing interface：
(1) in second timer timing, bank card business dealing interface is entered, second timer timing is terminated, starts
The timing of 3rd timer, and second timer timing remaining time is set as to the timing of the 3rd timer, it is fixed the 3rd
When device timing in, inquiry into balance function is set up to bank card exit function key, after the 3rd timer timing arrives, gone
The inquiry into balance function of being set up except bank card exit function key；
(2) in second timer timing, bank card business dealing interface, and non-retain card are introduced into, when second timer is determined
When the time arrive after, discharge the bank card exit function key for being introduced into bank card business dealing interface of shielding.
Not influence the normal operating of ATM, the first timer timing is arranged to 10 seconds, and the 4th timer is determined
When the time be arranged to 20 seconds, the 5th timer timing is arranged to 20 seconds.
Above-described bank card business dealing interface inputs to input after correct bank card password the interface entered
Bank card password obtains the correct later interface of information centre of Unionpay probatio inspectionem pecuoarem.
Above during bank card exit function key sets up inquiry into balance function, bank card exit function key, screen are operated
Bank card is automatically exited from after upper display bank card account remaining sum, shows that bank card account remaining sum is used to prompt user on screen.
In above step S600, in second timer timing, bank card business dealing interface is introduced into, when bank card quilt
Swallow, then terminate second timer timing.
In above step S600, in the 3rd timer timing, operation bank card exit function key, which also has, to be terminated
3rd timer timing function, i.e. operation bank card exit function key terminates the timing of the 3rd timer simultaneously.
In above step S500, when carrying out retain card operation to bank card in card reader, if the bank card swallowed has binding hand
Machine, then prompt user by the SMS bound with it.
There is binding mobile phone to the bank card swallowed above, the method by the SMS prompting user bound with it is:
When bank card is swallowed to, ATM uploads the bank card number information swallowed to information centre of Unionpay, and the upload is swallowed
Be set with bank card number information retain card mark, when information centre of Unionpay recognize ATM upload information in have retain card mark
Note, whether bank card number binds mobile phone corresponding to detection, is, sending bank card to binding mobile phone by SMS platform is swallowed to
Information alert user, otherwise, terminate.
ATM refers to the ATM ATMs (ATM terminals) for financial industry, and the CPU of ATM has been
Into in ATM ATMs work in every processing task CPU, that is, in existing ATM ATMs in
Central Processing Unit, including CPU, program storage unit (PSU), data storage cell, various defeated interfaces of input etc., have additional the present invention's
The working area of program module and bank's card number, and it is set with the first to five timer.
Card reader is the magnetic card read write line (MCRW) of ATM.
Bank card has binding mobile phone to refer to when holder handles bank card business and the mobile phone of bank card binding, as long as holding
When the bank account of people changes, bank information center is automatic by handset short message platform by the bank account change conditions of holder
The mobile phone of holder's binding is sent to, holder understands bank account change conditions by the mobile phone of binding.
The present invention is embedded in retain card marker recognition program module at bank information center, is received for bank information center identification
To ATM send bank card information bag whether be containing retain card mark, if containing retain card mark：Bank card corresponding to inspection
Whether card number binds mobile phone, there is binding mobile phone, and binding mobile phone from trend by handset short message platform sends what bank card was swallowed to
Information, user is prompted, no binding mobile phone, is terminated；If retain card mark is not contained：It is transferred to the normal of bank information center and ATM
Transaction workflow.
The present invention is specifically further illustrated：
1. setting the first to five timer in ATM CPU, and card number working area is set up, and to setting up
Card number working area is reset；
2. until when being stopped in card reader without card, i.e., when the bank card of stop is by retain card or discharge in card reader, first is fixed
When device start 10 seconds timing：Pair the bank card stopped is entered when in the 10 second time in first timer timing, in card reader, i.e.,
Into bank card will carry out Card Reader information operation, terminate first timer timing, wouldn't to the data rewriting in card number working area, if
The first timer timing terminated at the time of being timed to 4 seconds, i.e., first timer timing remaining 6 second time is set as the
Two timers want the time of timing, if within the 10 second time of first timer timing, stop is not entered into card reader
Bank card, treat that the first timer timing of 10 seconds is reset to by card number working area；
3. when ATM CPU reads the bank card number stopped in card reader, if card number working area is zero,
Then bank's card number card of reading is directly kept in card number working area, and assert that the bank card stopped in card reader is not to stealthily substitute
Card；
4. when ATM CPU reads the bank card number stopped in card reader, if card number working area is not
It is zero, then whether the bank card number for reading stop is unanimously compared school with the bank's card number card kept in card number working area：
(1) when card number is inconsistent, assert that the bank card stopped in card reader may be card of stealthily substituting：Bank card to be entered is handed over
Easy interface, i.e., (bank card password of input obtains information centre of Unionpay at the interface to be entered correctly entered after bank card password
The correct later interface of probatio inspectionem pecuoarem), the bank card number stopped in card reader is covered to card number working area, if do not input password or
It is incorrect to input bank card password, i.e., into before bank card business dealing interface, to the data in card number working area without rewriting；
(2) when card number is consistent, it is not card of stealthily substituting, and to the data in card number working area to assert the bank card stopped in card reader
Without rewriting；
5. when there is the bank card of stop in card reader, ATM is to be identified to insert another Zhang Yinhang to card reader card inlet
Block (card inlet inserts another bank card again), ATM sends security alarm voice message by loudspeaker, prompts onsite user
Pay attention to bank card security, prevent to steal：
If being (1) now carrying out moving back card motion, ATM stops moving back the behavior of card, switch back to in Unionpay information
The heart verify the interface of bank card password, and shields all function buttons described on code keypad and interface, that is, operates close
Code key disk and function button ATM are not responding to, and the 4th timer of setting starts timing, and terminate the 5th timing of timing
Device；
(2) if non-other behaviors for moving back card are now carrying out, to the end of other behaviors (such as：Deposited, treat this
Secondary deposit terminates；Withdrawn the money, to the end of this withdrawal, transferred accounts, to the end of this time is transferred accounts；Just in Modify password,
To the end of this Modify password；Account balance is inquired about, to the end of account balance is inquired about in this time；Password is verified, treats this
Secondary checking password terminates.), the interface for information centre of Unionpay verify bank card password is switched back to, and shield cryptographic key
Described all function buttons, i.e. operator password keyboard and function button ATM are not responding on disk and interface, and the 4th of setting is fixed
When device start timing, and terminate timing the 5th timer；
(3), if being now the interface for information centre of Unionpay verify bank card password, keep, and shield code keypad
With all function buttons described on interface, i.e. operator password keyboard and function button ATM is not responding to, the 4th timing of setting
Device starts timing, and terminates the 5th timer of timing；
(4) card inlet bank card is taken out in the 4th timer timing, terminates the timing of the 4th timer, and start the
The timing of five timers, discharges the code keypad of shielding and other function buttons in addition to bank card functionality key is exited：
1. in the 5th timer timing enter input bank card password obtain information centre of Unionpay probatio inspectionem pecuoarem it is correct after
Interface, then bank card functionality key is exited in release shielding, and stops the security alarm voice message sent by loudspeaker, this
When operation exit bank card functionality key, spue bank card immediately；
2. not carrying out input password authentification in the 5th timer timing, the 5th timer timing arrives, and stops
The security alarm voice message sent by loudspeaker, and retain card operation is performed to bank card in card reader；
3. in the 5th timer timing, setting input third time password authentification mistake, stop sending out by loudspeaker
The security alarm voice message gone out, and retain card operation is performed to bank card in card reader；
(5) there is no the bank card for taking out card inlet during the 4th timer timing, i.e. the 4th timer timing arrives,
Stop the security alarm voice message sent by loudspeaker, and retain card operation is carried out to bank card in card reader, if after retain card
Another bank card of card inlet insertion does not take out also, controls another bank card of card inlet to enter in card reader；
6. when it may be the card stealthily substituted to assert the bank card stopped in card reader, second timer starts timing, and shields
Cover be introduced into bank card business dealing interface (be introduced into input bank card password obtain information centre of Unionpay probatio inspectionem pecuoarem it is correct after interface)
Bank card exit function key：
(1) in second timer timing, bank card business dealing interface is entered, that is, inputs correct bank card password
The interface (bank card password of input obtains the correct later interface of information centre of Unionpay probatio inspectionem pecuoarem) entered afterwards, terminates the second timing
Device timing, start the timing of the 3rd timer, if terminating timing at the time of second timer is timed to 4 seconds, i.e., by the second timing
The device timing remaining 2 second time is set as that the 3rd timer wants the time of timing, in the 3rd timer timing, to silver
Row card exit function key sets up inquiry into balance function, that is, operates bank card exit function key, shown on screen more than bank card account
Bank card is automatically exited from after volume, and terminates the timing of the 3rd timer, shows that bank card account remaining sum is used to prompt user on screen,
If without operation bank card exit function key within the time of the 3rd timer timing, i.e., at 2 seconds of the 3rd timer timing
It is interior without operation bank card exit function key, when the 3rd timer timing arrives, i.e., at 2 seconds of the 3rd timer timing
Between arrive, remove the inquiry into balance function set up of bank card exit function key, i.e., now operate bank card exit function key, directly move back
Go out bank card；
(2) arrived in second timer timing, i.e. the 6 of the second timer timing second time arrives, and is still introduced into bank card
Transaction interface (be introduced into input bank card password obtain information centre of Unionpay probatio inspectionem pecuoarem it is correct after interface), and be not carried out retain card behaviour
Make, the bank card business dealing interface that is introduced into for discharging shielding (is introduced into input bank card password and is obtaining information centre of Unionpay probatio inspectionem pecuoarem just
Really after interface) bank card exit function key, now operation be introduced into bank card business dealing interface (be introduced into input bank card it is close
Code obtain information centre of Unionpay probatio inspectionem pecuoarem it is correct after interface) bank card exit function key, exit bank card；
(3) arrived in second timer timing, i.e. the 6 of the second timer timing second time arrives, if entering bank card this moment
Transaction interface, that is, entering the later interface of the correct bank card password of input, (bank card password of input is obtained in Unionpay's information
The correct later interface of heart probatio inspectionem pecuoarem), the timing of the 3rd timer is without timing, i.e., the 3rd timer does not enter working condition, bank card
The inquiry into balance function that exit function key is not set up, i.e., in the interface after inputting correct bank card password, Ren Heshi
Operation bank card exit function key is carved, directly exits bank card.
In above step 5, when carrying out retain card operation to the bank card stopped in card reader, when the bank card swallowed has binding
Mobile phone, then prompt user by the SMS bound with it.
In above step 5, when carrying out retain card operation to the bank card stopped in card reader, when the bank card swallowed is not tied up
Determine mobile phone, then prompt user without SMS.
The security alarm voice message that ATM is sent by loudspeaker in the present invention is arranged to：" bank card information please be check
Afterwards further out ".
There is the bank card of stop in the present invention in card reader, actually refer to the meaning for having bank card in card reader, card reader
The bank card of interior no stop, actually refer to the meaning without bank card in card reader.Because ATM sticks into card reader card inlet
When row is swallowed, just must be by arriving the cartridge swallowed in card reader, in order to distinguish the meaning of " process "：There to be bank card in card reader
Mark is written as：There is the bank card of stop in card reader；In card reader the bank card without stop in card reader is written as without bank card mark.I.e.
To by the bank card in card reader, being not considered as there is bank card in card reader, it also hold that without bank in card reader in the present invention
Card.
Claims (8)
1. a kind of ATM prevents the method that bank card is stealthily substituted, stolen, it is characterised in that comprises the following steps:
1) the first to the 5th timer is set in ATM CPU, and sets up card number working area, and the card to setting up
Number working area is reset, and is arranged in the 4th timer timing when taking out card inlet bank card, to the silver in card reader
Row card is verified that the 5th timer in limited time starts timing；
2) until card reader in without card when, first timer is started regularly：In first timer timing, work as card reader
It is interior to enter bank card, first timer timing is terminated, wouldn't be to the data rewriting in card number working area, and by first timer timing
Remaining time is set as the timing of second timer, otherwise, treats first timer timing to card number working area is clear
Zero；
3) when ATM CPU reads bank card number in card reader, if card number working area is zero, by reading
Bank card number is directly kept in card number working area, and assert that bank card is not card of stealthily substituting in card reader；
4) when ATM CPU reads bank card number in card reader, if card number working area is not zero, will read
Bank card number and card number working area in the bank card number kept in be made whether unanimously to compare school：
(1) when card number is inconsistent, assert that bank card may be card of stealthily substituting in card reader：Bank card business dealing interface to be entered, will read
Bank card number is covered to card number working area in card device, otherwise, to the data in card number working area without rewriting；
(2) when card number is consistent, assert that bank card is to stealthily substitute card in card reader, and to the data in card number working area without rewriting；
5) when there is bank card in card reader, recognize card reader card inlet and insert another bank card again, ATM is by raising one's voice
Device sends security alarm voice message, and ATM keeps/switched back to the function of bank card in card reader and information centre of Unionpay
Verify the interface of bank card password, and shield code keypad and all function buttons, i.e., operator password keyboard and function are pressed
Key ATM is not responding to, and the 4th timer of setting starts timing, and terminates the 5th timer of timing：
(1) card inlet bank card is taken out in the 4th timer timing, terminates the timing of the 4th timer, and it is fixed to start the 5th
When device timing, discharge the code keypad of shielding and other function buttons in addition to bank card functionality key is exited：
1. in the 5th timer timing enter input bank card password obtain information centre of Unionpay probatio inspectionem pecuoarem it is correct after boundary
Face, then what release shielded exits bank card functionality key, and stops the security alarm voice message sent by loudspeaker, now grasps
Bank card functionality key is exited, spue bank card immediately；
2. not carrying out input password authentification in the 5th timer timing, the 5th timer timing arrives, and stops passing through
The security alarm voice message that loudspeaker is sent, and retain card operation is performed to bank card in card reader；
3. in the 5th timer timing, setting input third time password authentification mistake, stop what is being sent by loudspeaker
Security alarm voice message, and retain card operation is performed to bank card in card reader；
(2) the bank card for taking out card inlet is not had during the 4th timer timing, i.e. the 4th timer timing arrives, and stops
The security alarm voice message sent by loudspeaker, and retain card operation is carried out to bank card in card reader, if entering card after retain card
Another bank card of mouth insertion does not take out also, controls another bank card of card inlet to enter in card reader；
6) when it may be the card stealthily substituted to assert the bank card in card reader, second timer starts timing, and shields and be introduced into
The exit function key of the bank card at bank card business dealing interface：
(1) in second timer timing, bank card business dealing interface is entered, second timer timing is terminated, starts the 3rd
Timer timing, and second timer timing remaining time is set as to the timing of the 3rd timer, in the 3rd timer
In timing, inquiry into balance function is set up to bank card exit function key, after the 3rd timer timing arrives, goes desilver
The inquiry into balance function that row card exit function key is set up；
(2) in second timer timing, bank card business dealing interface, and non-retain card are introduced into, when second timer timing
Between arrive after, discharge the bank card exit function key for being introduced into bank card business dealing interface of shielding.
2. a kind of ATM according to claim 1 prevents the method that bank card is stealthily substituted, stolen, it is characterised in that described
First timer timing is arranged to 10 seconds, and the 4th timer timing is arranged to 20 seconds, the 5th timer timing
It is arranged to 20 seconds.
3. a kind of ATM according to claim 1 prevents the method that bank card is stealthily substituted, stolen, it is characterised in that described
Bank card business dealing interface to input after correct bank card password the interface entered.
4. a kind of ATM according to claim 1 prevents the method that bank card is stealthily substituted, stolen, it is characterised in that in silver
During row card exit function key sets up inquiry into balance function, bank card exit function key is operated, bank card account is shown on screen
Bank card is automatically exited from after remaining sum, shows that bank card account remaining sum is used to prompt user on screen.
5. a kind of ATM according to claim 1 prevents the method that bank card is stealthily substituted, stolen, it is characterised in that step
6) in, in second timer timing, bank card business dealing interface is introduced into, when bank card is swallowed to, then termination second is fixed
When device timing.
6. a kind of ATM according to claim 1 prevents the method that bank card is stealthily substituted, stolen, it is characterised in that step
6) in, in the 3rd timer timing, operation bank card exit function key, which also has, terminates the 3rd timer timing function,
That is, operate bank card exit function key and terminate the timing of the 3rd timer simultaneously.
7. a kind of ATM according to claim 1 prevents the method that bank card is stealthily substituted, stolen, it is characterised in that step
5) in, when carrying out retain card operation to the bank card in card reader, if the bank card swallowed has binding mobile phone, by being bound with it
SMS prompting user.
8. a kind of ATM according to claim 7 prevents the method that bank card is stealthily substituted, stolen, it is characterised in that works as silver
When row card is swallowed to, ATM uploads the bank card number information swallowed to information centre of Unionpay, the bank swallowed of the upload
Retain card mark is set with card card number information, when having retain card mark in the information that information centre of Unionpay recognizes ATM upload, is examined
Whether bank card number corresponding to survey binds mobile phone, is, the letter that bank card is swallowed to is sent to binding mobile phone by SMS platform
Breath prompting user, otherwise, terminates.
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| CN201610061445.XA CN105761377B (en) | 2016-01-28 | 2016-01-28 | A kind of ATM prevents the method that bank card is stealthily substituted, stolen |
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| CN201610061445.XA CN105761377B (en) | 2016-01-28 | 2016-01-28 | A kind of ATM prevents the method that bank card is stealthily substituted, stolen |
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| CN107507322A (en) * | 2017-10-11 | 2017-12-22 | 成都易住信息技术有限公司 | The smart lock opened by identity card |
| US10853794B2 (en) | 2019-04-25 | 2020-12-01 | Capital One Services, Llc | System and method for generation of virtual account-linked card |
| US10573163B1 (en) | 2019-04-25 | 2020-02-25 | Capital One Services, Llc | Real-time ATM alert if user forgets card |
| CN113593143A (en) * | 2021-07-27 | 2021-11-02 | 中国银行股份有限公司 | Bank ATM card swallowing processing method and ATM |
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| CN101266704A (en) * | 2008-04-24 | 2008-09-17 | 张宏志 | ATM secure authentication and pre-alarming method based on face recognition |
| CN101894428A (en) * | 2010-05-12 | 2010-11-24 | 北京海鑫智圣技术有限公司 | ATM (Automated Teller Machine) intelligent monitoring system |
| CN103400457A (en) * | 2013-07-30 | 2013-11-20 | 四川双诚智控电子技术有限公司 | Method for monitoring stealthy ATM (automatic teller machine) bank card substituting behavior |
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| CN103456092B (en) * | 2013-09-16 | 2016-01-20 | 广州广电运通金融电子股份有限公司 | Card reader transaction card method, device |
| CN103824391B (en) * | 2014-02-26 | 2017-10-31 | 广州广电运通金融电子股份有限公司 | Self-aided terminal is anti-to exchange chucking method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101266704A (en) * | 2008-04-24 | 2008-09-17 | 张宏志 | ATM secure authentication and pre-alarming method based on face recognition |
| CN101894428A (en) * | 2010-05-12 | 2010-11-24 | 北京海鑫智圣技术有限公司 | ATM (Automated Teller Machine) intelligent monitoring system |
| CN103400457A (en) * | 2013-07-30 | 2013-11-20 | 四川双诚智控电子技术有限公司 | Method for monitoring stealthy ATM (automatic teller machine) bank card substituting behavior |
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