CN106157039B - Bank IC card-oriented anti-theft swiping device and method thereof - Google Patents

Bank IC card-oriented anti-theft swiping device and method thereof Download PDF

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CN106157039B
CN106157039B CN201610532283.3A CN201610532283A CN106157039B CN 106157039 B CN106157039 B CN 106157039B CN 201610532283 A CN201610532283 A CN 201610532283A CN 106157039 B CN106157039 B CN 106157039B
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card
character strings
controller
database
reader
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CN106157039A (en
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郭国法
卢运栓
张开生
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Shaanxi University of Science and Technology
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Shaanxi University of Science and Technology
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/12—Card verification
    • G07F7/122—Online card verification

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A facing bank IC card prevent illegal to swipe device and its method, the apparatus includes the controller, the reader writer is connected with controller two-way, the output terminal of the controller couples to voice module, display module separately, the input end of the controller couples to button module, power module separately, the reader writer carries on the wireless data communication with IC card through the magnetic field energy; dividing an IC card sector into two areas, respectively corresponding to card entering and card returning character string operations, after a user uses an ATM self-service machine to perform related operations each time, respectively writing a group of character strings into the two areas of the IC card by a reader-writer at random, storing the two groups of character strings into a database, and when money access transaction is performed in the ATM self-service machine next time, firstly, a system determines whether the IC card is an original card or not by matching the character strings in the IC card and the database, wherein the two groups of character strings can be randomly changed; the invention can effectively prevent the IC card from being stolen and swiped, thereby greatly improving the property safety of the user.

Description

Bank IC card-oriented anti-theft swiping device and method thereof
Technical Field
The invention belongs to the technical field of bank IC card security, and particularly relates to an anti-theft device and an anti-theft method for a bank IC card.
Background
Along with the development of electronic information technology, the appearance of IC cards and the use of the IC cards in daily life change the life style of people to a great extent, particularly, the IC cards pushed out by banks not only solve the problem of inconvenience of carrying a large amount of cash when people go out, but also realize the functions of money taking, consumption and the like by adopting a password verification mode, thereby improving the security of property. However, some illegal criminals steal user information by some illegal means, steal user property by a clone card method, and obtain a riot interest, which not only causes an unpredictable loss to users; also fosters greedy psychology for criminals; is not good for the stability of social order.
Disclosure of Invention
In order to overcome the defects of the prior art, the invention aims to provide an anti-theft device and an anti-theft method for a bank IC card.
In order to achieve the purpose, the invention adopts the technical scheme that:
a reader-writer 1 is bidirectionally connected with a controller 2, the output end of the controller 2 is respectively connected with a voice module 3 and a display module 4, the input end of the controller 2 is respectively connected with a key module 5 and a power module 6, and the reader-writer 1 carries out wireless data communication with an IC card 7 through magnetic field energy.
The reader-writer 1 is arranged in an ATM self-service machine and is used for reading and writing the IC card 7.
The controller 2 is used for matching the IC card 7 with character strings in the database, establishing network communication with the database and processing data.
The voice module 3 and the display module 4 provide voice prompt and visual interfaces for user operation.
The power module 6 is composed of a transformer and supplies power through a 220V power grid.
The IC card 7 is divided into two sectors which respectively correspond to a card entering character string storage area and a card returning character string storage operation area of the IC card 7.
A facing bank IC card guard against theft and pay method, when the user launches the new card in the bank, the bank sets up the personal information database for user, and enter the card and withdraw from the card character area of IC card 7 and write into a series of character strings at random separately through the reader writer 1, store the character string into the database at the same time;
after the system is normally started, the display module 4 displays a welcome use interface, the voice module 3 plays a safety prompt, when a user inserts the IC card 7 into the ATM self-service machine, the reader-writer 1 identifies character strings in the IC card 7 and sends the character strings to the controller 2, and the controller 2 matches the two groups of character strings with character strings stored in a database;
if the matching is successful, the reader-writer 1 writes a group of character strings into the card entering character area of the IC card 7 again at random, the character strings are stored in a database, then the user enters the password input verification, the display module 4 displays a password input interface, and the user inputs a password through the key module 5;
if the password is verified correctly, the user can operate, when the user performs card withdrawing operation, the controller 2 drives the reader-writer 1 to randomly write a group of new character strings into the card withdrawing character area of the IC card 7 and stores the new character strings into a database, so that the matching is performed when the user uses the IC card again;
if the password is wrong, the voice module 3 and the display module 4 prompt re-input, the number of times of password error reaches three times, and the account of the IC card is frozen;
if the IC card 7 cannot be matched with the character string in the database, the display module 4 displays a system abnormality, issues a warning and prohibits the card operation.
The invention has the beneficial effects that:
the device writes a group of character strings into a card entering character area and a card returning character area of an IC card 7 randomly through a reader-writer 1 and stores the character strings into a database, when the IC card 7 is operated through an ATM (automatic teller machine) in the next time, whether the character strings in the IC card 7 and the database are consistent or not is verified to judge whether the character strings are the original cards of users or not, and the users can input passwords to carry out transactions only after the verification is passed; otherwise, operation is prohibited;
the device not only improves the safety of user information, but also automatically completes the verification of the character string without manual operation, and can effectively prevent illegal criminals from stealing the information of the IC card 7.
Drawings
FIG. 1 is a diagram of a hardware system according to the present invention.
Fig. 2 is a flow chart of the operation of the present invention.
Detailed Description
The invention will be further explained with reference to the drawings.
Referring to fig. 1, an IC card anti-theft device for banks comprises a reader-writer 1, a controller 2, a voice module 3, a display module 4, a key module 5, a power module 6 and an IC card 7, and is characterized in that the reader-writer 1 is connected with the controller 2, the controller 2 is respectively connected with the voice module 3, the display module 4, the key module 5 and the power module 6, and the reader-writer 1 performs wireless data communication with the IC card 7 through magnetic field energy;
the reader-writer 1 is arranged in an ATM self-service machine and used for reading and writing the IC card.
The controller 2 is used for matching the IC card with character strings in the database, establishing network communication with the database and processing data.
The voice module 3 and the display module 4 provide voice prompt and visual interfaces for user operation.
The power module 6 is composed of a transformer and supplies power through a 220V power grid.
The IC card 7 is divided into two sectors which respectively correspond to an IC card entering character string storage area and a card returning character string storage operation area.
A method for preventing IC card from being stolen for bank comprises the following steps:
referring to fig. 2: when a user opens a new card in a bank, the bank establishes a personal information database for the user, randomly and respectively writes a group of character strings into the card entering character area and the card returning character area of the IC card 7 through the reader-writer 1, and simultaneously stores the character strings into the database;
after the system is normally started, the display module 4 displays a welcome use interface, the voice module 3 plays a safety prompt, when a user inserts the IC card 7 into the ATM self-service machine, the reader-writer 1 identifies character strings in the IC card 7 and sends the character strings to the controller 2, and the controller 2 matches the two groups of character strings with character strings stored in a database;
if the matching is successful, the reader-writer 1 writes a group of character strings into the card entering character area of the IC card 7 again at random, the character strings are stored in a database, then the user enters the password input verification, the display module 4 displays a password input interface, and the user inputs a password through the key module 5;
if the password is verified correctly, the user can operate, when the user performs card withdrawing operation, the controller 2 drives the reader-writer 1 to randomly write a group of new character strings into the card withdrawing character area of the IC card 7 and stores the new character strings into a database, so that the matching is performed when the user uses the IC card again;
if the password is wrong, the voice module 3 and the display module 4 prompt re-input, the number of times of password error reaches three times, and the account of the IC card is frozen;
if the IC card 7 cannot be matched with the character string in the database, the display module 4 displays a system abnormality, issues a warning and prohibits the card operation.
The working principle of the invention is as follows:
dividing a sector of an IC card 7 into two areas, respectively corresponding to card entering and card returning character string operations, after a user uses an ATM self-service machine to perform related operations each time, respectively writing a group of character strings into the two areas of the IC card 7 by a reader-writer 1, storing the two groups of character strings into a database, when money access transaction is performed in the ATM self-service machine next time, firstly, a system determines whether the IC card 7 is an original card or not by matching the character strings in the IC card 7 and the database, if the matching is successful, the IC card is the original card, randomly rewriting the character strings in the card entering character area of the IC card, a display module 4 prompts the user to input a password, the operation can be performed after the password verification is passed, and if not, the operation is prohibited; during the card withdrawal operation, the reader/writer 1 rewrites the character string in the card withdrawal character area of the IC card 7. If the character string matching is unsuccessful, it is determined as a forged IC card, and the display module prompts the system for abnormality, issues a warning and prohibits the card operation. Even if the character string in the character area of the card is stolen when the card is written, the character string in the character area of the card is not stolen, and two groups of character strings are randomly changed each time the card is written.

Claims (1)

1. The use method of the IC card anti-theft device for the bank is characterized in that the anti-theft device comprises a controller (2), a reader-writer (1) is connected with the controller (2) in a bidirectional mode, the output end of the controller (2) is connected with a voice module (3) and a display module (4) respectively, the input end of the controller (2) is connected with a key module (5) and a power module (6) respectively, and the reader-writer (1) is in wireless data communication with an IC card (7) through magnetic field energy; the reader-writer (1) is installed in an ATM self-service machine and is used for reading and writing the IC card (7); the controller (2) is used for matching the IC card (7) with character strings in the database, establishing network communication with the database and processing data; the voice module (3) and the display module (4) provide voice prompt and visual interfaces for user operation; the power supply module (6) consists of a transformer and supplies power through a 220V power grid; the IC card (7) is divided into two sectors which respectively correspond to a card entering character string storage area and a card returning character string storage operation area of the IC card (7);
when a user opens a new card in a bank, the bank establishes a personal information database for the user, randomly and respectively writes a group of character strings into card entering and card returning character areas of an IC card (7) through a reader (1), and simultaneously stores the character strings into the database;
after the system is normally started, the display module (4) displays a welcome use interface, the voice module (3) plays a safety prompt, when a user inserts the IC card (7) into the ATM self-service machine, the reader (1) identifies character strings in the IC card (7) and sends the character strings to the controller (2), and the controller (2) matches the two groups of character strings with character strings stored in a database;
if the matching is successful, the reader-writer (1) writes a group of character strings into the card entering character area of the IC card (7) randomly again, the character strings are stored in a database, then the user enters the password input verification, a display module (4) displays a password input interface, and the user inputs a password through a key module (5);
if the password is verified correctly, the user operates, when the user operates the card withdrawing operation, the controller (2) drives the reader-writer (1) to randomly write a group of new character strings into the card withdrawing character area of the IC card (7) and store the new character strings into a database, so that the matching is convenient when the user uses the IC card again;
if the password is wrong, the voice module (3) and the display module (4) prompt re-input, the number of times of password error reaches three, and the account of the IC card is frozen;
if the IC card (7) cannot be matched with the character string in the database, the display module (4) displays system abnormality, gives a warning and prohibits the card operation.
CN201610532283.3A 2016-07-06 2016-07-06 Bank IC card-oriented anti-theft swiping device and method thereof Active CN106157039B (en)

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CN201610532283.3A CN106157039B (en) 2016-07-06 2016-07-06 Bank IC card-oriented anti-theft swiping device and method thereof

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Application Number Priority Date Filing Date Title
CN201610532283.3A CN106157039B (en) 2016-07-06 2016-07-06 Bank IC card-oriented anti-theft swiping device and method thereof

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CN106157039B true CN106157039B (en) 2020-06-30

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Publication number Priority date Publication date Assignee Title
CN109711219A (en) * 2018-12-27 2019-05-03 厦门中控智慧信息技术有限公司 A kind of method, apparatus and storage medium detecting integrated circuit copy card

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN2729827Y (en) * 2004-01-14 2005-09-28 深圳市新国都技术有限公司 Safety protection system for using bank card
CN101458849A (en) * 2008-12-15 2009-06-17 罗占峰 Multifunctional active false proof card reading machine and reading method thereof
CN102592378A (en) * 2012-02-29 2012-07-18 胡乐乐 POS machine having unauthorized card swiping prevention function

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100828119B1 (en) * 2006-08-09 2008-05-08 박정웅 Card having password input key

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN2729827Y (en) * 2004-01-14 2005-09-28 深圳市新国都技术有限公司 Safety protection system for using bank card
CN101458849A (en) * 2008-12-15 2009-06-17 罗占峰 Multifunctional active false proof card reading machine and reading method thereof
CN102592378A (en) * 2012-02-29 2012-07-18 胡乐乐 POS machine having unauthorized card swiping prevention function

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