CN108470404B - Gate control method and device for card reader, financial equipment and storage medium - Google Patents

Gate control method and device for card reader, financial equipment and storage medium Download PDF

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Publication number
CN108470404B
CN108470404B CN201810179277.3A CN201810179277A CN108470404B CN 108470404 B CN108470404 B CN 108470404B CN 201810179277 A CN201810179277 A CN 201810179277A CN 108470404 B CN108470404 B CN 108470404B
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Prior art keywords
card
identification code
bank
card reader
gate
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CN108470404A (en
Inventor
王秋雨
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Shenzhen Yihua Computer Co Ltd
Shenzhen Yihua Time Technology Co Ltd
Shenzhen Yihua Financial Intelligent Research Institute
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Shenzhen Yihua Computer Co Ltd
Shenzhen Yihua Time Technology Co Ltd
Shenzhen Yihua Financial Intelligent Research Institute
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    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete 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
    • G07F19/20Automatic teller machines [ATMs]
    • G07F19/201Accessories of ATMs
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete 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
    • G07F19/20Automatic teller machines [ATMs]
    • G07F19/205Housing aspects of ATMs
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete 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
    • G07F19/20Automatic teller machines [ATMs]
    • G07F19/209Monitoring, auditing or diagnose of functioning of ATMs
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete 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
    • G07F19/20Automatic teller machines [ATMs]
    • G07F19/211Software architecture within ATMs or in relation to the ATM network

Abstract

The embodiment of the invention discloses a gate control method and device for a card reader, financial equipment and a storage medium. The method comprises the following steps: after detecting that the card is inserted into the recognizer, acquiring a digital identification code on the card; searching whether a corresponding bank identification code is stored according to the category identification code included in the digital identification code; and opening the gate of the card reader when the corresponding bank identification code is found. By adopting the technical scheme, the technical problem that the card reader of the financial equipment is easy to damage due to personal error of a bank card user or intentional insertion of a non-bank card medium into the financial equipment by a lawless person is solved, and meanwhile, the maintenance cost of the financial equipment is reduced.

Description

Gate control method and device for card reader, financial equipment and storage medium
Technical Field
The embodiment of the invention relates to the technical field of financial equipment, in particular to a gate control method and device for a card reader, financial equipment and a storage medium.
Background
The card reader in the self-service financial equipment can read information of the bank card by reading the magnetic code card or the intelligent card, and a bank card user does not need to perform cash access, balance inquiry, fund transfer and other account transaction operations on a bank counter, so that full self-service is directly realized, and convenience is provided for transaction of the bank card user.
However, the card reader of the financial device is damaged due to personal error of the bank card user or intentional insertion of the card medium of the non-bank card into the financial device by a lawbreaker, which affects normal use of the financial device and increases maintenance cost of the financial device.
Disclosure of Invention
The embodiment of the invention provides a gate control method and device for a card reader, financial equipment and a storage medium, so that the card reader of the financial equipment is prevented from being damaged, and the maintenance cost of the financial equipment is further reduced.
In a first aspect, an embodiment of the present invention provides a gate control method for a card reader, where the method includes:
after a card is detected to be inserted into a recognizer, acquiring a digital identification code on the card, wherein the digital identification code comprises a category identification code;
searching whether a corresponding bank identification code is stored according to the category identification code;
and if the corresponding bank identification code is found, opening a gate of the card reader.
In a second aspect, an embodiment of the present invention further provides a gate control device for a card reader, where the gate control device includes:
the card identification device comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring a digital identification code on a card after the card is detected to be inserted into an identifier, and the digital identification code comprises a category identification code;
the searching module is used for searching whether the corresponding bank identification code is stored or not according to the category identification code;
and the control module is used for opening the gate of the card reader when the searching module finds the corresponding bank identification code.
In a third aspect, an embodiment of the present invention further provides a financial device, including an input device, where the financial device further includes:
one or more processors;
storage means for storing one or more programs;
the one or more programs are executed by the one or more processors, and the one or more processors are used for realizing the gate control method for the card reader provided by any embodiment of the invention.
In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the gate control method for a card reader provided in any embodiment of the present invention.
According to the technical scheme of the embodiment of the invention, after the card is detected to be inserted into the recognizer, the digital identification code on the card is acquired; searching whether a corresponding bank identification code is stored according to the category identification code included in the digital identification code; and opening the gate of the card reader when the corresponding bank identification code is found. By adopting the technical scheme, the technical problem that the card reader of the financial equipment is easy to damage due to personal error of a bank card user or intentional insertion of a non-bank card medium into the financial equipment by a lawless person is solved, and meanwhile, the maintenance cost of the financial equipment is reduced.
Drawings
FIG. 1 is a schematic flow chart illustrating a gate control method for a card reader according to a first embodiment of the present invention;
FIG. 2 is a flowchart illustrating a gate control method for a card reader according to a second embodiment of the present invention;
FIG. 3 is a schematic structural diagram of a shutter control device for a card reader according to a third embodiment of the present invention;
fig. 4 is a schematic hardware configuration diagram of a financial device according to a fourth embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
Example one
The bank card reading modules of the financial equipment are all provided with an identifier, a conveyor and a card reader, the identifier is arranged on the inner side of a bank card slot, the identifier is connected with the conveyor, the conveyor is connected with the card reader, and the position of a connector between the conveyor and the card reader is a card reader gate. The main control system in the financial equipment is connected with the bank card reading module and can acquire control information detected by the recognizer and the card reader or read bank card data.
Fig. 1 is a schematic flow chart of a gate control method for a card reader according to a first embodiment of the present invention, where the present embodiment is applicable to a situation where financial equipment is used to perform self-service transaction of a bank card, and the method may be executed by a gate control device for a card reader, where the gate control device is implemented by software and/or hardware and is configured on the financial equipment. The gate control method for the card reader specifically comprises the following steps:
s110, after the fact that a card is inserted into the recognizer is detected, a digital identification code on the card is obtained, and the digital identification code comprises a category identification code.
The digital identification code can be a bank card number on the face of the bank card provided with the card insertion direction icon. The category identification code may be an issuer identification code of the first six digits of a bank card number, and is used for indicating issuer category information of the bank card when the card is a bank card. Illustratively, when the category identification code is "622700", the corresponding bank category is "construction bank".
When a card is inserted into the bank card slot, the card is correspondingly inserted into the recognizer because the recognizer is arranged on the inner side of the bank card slot. After detecting that a card is inserted into the recognizer, an image acquisition device in the recognizer acquires a digital identification code on the card and sends the digital identification code to a master control system. The main control system receives the digital identification code sent by the recognizer, and performs subsequent card recognition by adopting the digital identification code so as to determine whether the inserted card is a bank card.
S120, whether the corresponding bank identification code is stored or not is searched according to the category identification code.
The bank identification code may be a bank name of a bank card issuer. It should be noted that a corresponding relationship list of the category identification code and the bank identification code is pre-stored in a cloud address or a back-stage management system of the financial device, which is locally and pre-stored in the financial device, so as to perform the operation of searching and matching the category identification code.
After receiving the category identification code of the currently inserted card, the master control system searches whether a bank identification code corresponding to the category identification code exists or not in a local query mode, a cloud acquisition mode or a background management system query mode. And when the bank identification code corresponding to the category identification code cannot be searched, the card does not have corresponding issuer information, so that the inserted card is determined to be a non-bank card type card medium. When the bank identification code corresponding to the category identification code is found, the corresponding bank card issuing bank information of the card exists, and therefore the inserted card is determined to be a bank card medium. Whether the inserted card is a card medium such as a bank card is used as an important basis for opening or keeping a gate of the card reader.
And S130, if the corresponding bank identification code is found, opening a gate of the card reader.
In the step, when the main control system finds the bank identification code corresponding to the category identification code, the inserted card is the bank card, and the card reader cannot be damaged when the card reader is inserted, so that the card can be conveyed to the card reader through the conveyor to read the related data of the bank card.
According to the technical scheme of the embodiment of the invention, after the card is detected to be inserted into the recognizer, the digital identification code on the card is acquired; searching whether a corresponding bank identification code is stored according to the category identification code included in the digital identification code; and opening the gate of the card reader when the corresponding bank identification code is found. By adopting the technical scheme, the technical problem that the card reader of the financial equipment is easy to damage due to personal error of a bank card user or intentional insertion of a non-bank card medium into the financial equipment by a lawless person is solved, and meanwhile, the maintenance cost of the financial equipment is reduced.
Example two
Fig. 2 is a schematic flow chart of a gate control method for a card reader in a second embodiment of the present invention, and in this embodiment, based on the technical solutions of the above embodiments, an operation of "obtaining magnetic information of the digital identification code" is further added "after a card is detected to be inserted into an identifier", and accordingly, an operation of "analyzing the magnetic information to obtain corresponding card identity information if a corresponding bank identification code is found" is added; and if the card identity information corresponds to the bank identification code, opening a gate of the card reader to further verify whether the inserted card is a bank card, and controlling the gate of the card reader to be opened to avoid the damage of non-bank card media to the card reader.
Furthermore, the method also comprises the step of keeping the gate of the card reader closed if a preset closing condition is met; wherein the preset shut-down condition comprises at least one of: the operation of not detecting that a card is inserted into the card reader, failing to acquire the digital identification code, not finding the corresponding bank identification code, not acquiring the magnetic information, failing to analyze the magnetic information and not corresponding the card identity information to the bank identification code is carried out, so as to set the closing time of the gate of the card reader.
Further, a feature of "closing a shutter of the card reader when the card reader is detected to have been inserted with the card" is added to prevent insertion interference of another card after the card reader has been inserted with the card.
Furthermore, the method also comprises the step of opening a gate of the card reader after receiving an instruction of withdrawing the card; and after the card is detected to exit the card reader, closing the gate of the card reader to perfect the card exiting operation after the bank card transaction is finished and ensure the integrity of the scheme.
As shown in fig. 2, the gate control method for a card reader specifically includes:
s210, after the card is detected to be inserted into the recognizer, the digital identification code on the card is obtained, wherein the digital identification code comprises a category identification code.
And S220, acquiring the magnetic information of the digital identification code.
It should be noted that if the inserted card is a bank card, the digital identification code of the bank card carries magnetic information. The magnetic information carried by the digital identification code of the inserted card is collected through a magnetic information collection device in the recognizer, and the magnetic information is sent to a main control system of the financial equipment. The master control system receives the magnetic information collected by the magnetic information collecting device and is used as a reference basis for subsequent bank card identification.
And S230, searching whether the corresponding bank identification code is stored or not according to the category identification code.
S240, if the corresponding bank identification code is found, analyzing the magnetic information to obtain corresponding card identity information.
The card identity information may be a name identifier of an issuer of the card. Preferably, the card identity information is an issuer pattern.
After the master control system finds the bank identification code corresponding to the category identification code, the inserted card is preliminarily confirmed to be the bank card. In order to ensure the accuracy of card identification, the master control information further analyzes the acquired magnetic information to obtain card identity information corresponding to the inserted card, and then the card identity information is used as a reference certificate for determining the authenticity of the bank card.
And S250, if the card identity information corresponds to the bank identification code, opening a gate of the card reader.
If the master control system determines that the identity information of the card obtained by analysis corresponds to the bank identification code corresponding to the category identification code of the inserted card obtained by searching, the card can be further determined to be the bank card, and the card cannot be damaged after being inserted into the card reader. Therefore, when the card identity information corresponds to the bank identification code, the master control system controls the gate of the card reader to be opened, and at the moment, the master control system controls the transmitter to transmit the card in the identifier to the card reader so as to perform self-service of subsequent bank card transactions.
It should be noted that the master control system controls the gate of the card reader to open only when the corresponding bank identification code is found out from the category identification code of the inserted card and the card identity information corresponds to the bank identification code.
Correspondingly, if the preset closing condition is met, the gate of the card reader is kept closed.
Wherein the preset shut-down condition comprises at least one of: the method comprises the steps of detecting that a card is inserted into a card reader, failing to acquire the digital identification code, not finding a corresponding bank identification code, failing to acquire the magnetic information, failing to analyze the magnetic information and enabling the identity information of the card not to correspond to the bank identification code.
And S260, if the card is detected to be inserted into the card reader, closing a gate of the card reader.
When the card reader is detected to be inserted with a card, in order to avoid the insertion interference of other cards when the card holder carries out transaction, the gate of the card reader is closed by the main control system.
And S270, after receiving the instruction of withdrawing the card, opening a gate of the card reader.
After the cardholder finishes the transaction, the card needs to be withdrawn from the card reader. At the moment, after the main control system receives the command of withdrawing the card, the gate of the card reader is opened, and at the moment, the card in the card reader is conveyed to the recognizer by the transmitter, and the financial equipment is withdrawn through the card inserting port.
And S280, after the card is detected to exit the card reader, closing a gate of the card reader.
After the card is detected to exit from the card reader, the accommodation state of the card reader is empty, so that a gate of the card reader needs to be closed, and the card reader is prevented from being damaged due to the insertion of non-bank card type card media.
According to the technical scheme of the embodiment of the invention, the card type of the inserted card is verified for the second time by further additionally acquiring and analyzing the magnetic information and analyzing the card identity information acquired by analyzing the magnetic information, so that the gate of the card reader is opened to read the data of the bank card under the condition that the inserted card is the bank card; further perfecting the opening and closing order of the gate of the card reader after the bank card transaction is finished and the card is returned. By adopting the technical scheme, the technical problem that the card reader of the financial equipment is easy to damage due to personal error of a bank card user or intentional insertion of a non-bank card medium into the financial equipment by a lawless person is solved, and meanwhile, the maintenance cost of the financial equipment is reduced.
EXAMPLE III
Fig. 3 is a schematic structural diagram of a gate control device for a card reader in a third embodiment of the present invention. The embodiment is applicable to the case of performing self-service transaction of a bank card by using financial equipment, and the apparatus includes a first obtaining module 310, a searching module 320, and a control module 330. Wherein the content of the first and second substances,
the first obtaining module 310 is configured to obtain a digital identification code on a card after detecting that the card is inserted into a recognizer, where the digital identification code includes a category identification code;
the searching module 320 is used for searching whether a corresponding bank identification code is stored according to the category identification code;
and the control module 330 is configured to open a gate of the card reader when the searching module finds the corresponding bank identification code.
According to the technical scheme of the embodiment of the invention, after the card is detected to be inserted into the recognizer, the digital identification code on the card is acquired through the first acquisition module 310; searching whether a corresponding bank identification code is stored or not according to the category identification code included in the digital identification code through the searching module 320; and when the corresponding bank identification code is found, the control module 330 opens the gate of the card reader. By adopting the technical scheme, the technical problem that the card reader of the financial equipment is easy to damage due to personal error of a bank card user or intentional insertion of a non-bank card medium into the financial equipment by a lawless person is solved, and meanwhile, the maintenance cost of the financial equipment is reduced.
Further, the apparatus further comprises:
the second acquisition module is used for acquiring the magnetic information of the digital identification code;
and the analysis module is used for searching the corresponding bank identification code in the searching module and analyzing the magnetic information to obtain corresponding card identity information.
Further, the control module 330 is further configured to open a gate of the card reader when the card identity information corresponds to the bank identification code.
Further, the control module 330 is further configured to:
when a preset closing condition is met, keeping the card reader gate closed;
wherein the preset shut-down condition comprises at least one of: the method comprises the steps of detecting that a card is inserted into a card reader, failing to acquire the digital identification code, not finding a corresponding bank identification code, failing to acquire the magnetic information, failing to analyze the magnetic information and enabling the identity information of the card not to correspond to the bank identification code.
Further, after the gate of the card reader is opened, the control module 330 is further configured to:
and closing a gate of the card reader when the card reader is detected to be inserted with the card.
Further, the control module 330 is further configured to:
after receiving an instruction of withdrawing the card, opening a gate of the card reader;
the control module 330 is further configured to:
and closing a gate of the card reader after detecting that the card exits the card reader.
The gate control device for the card reader can execute the gate control method for the card reader provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of executing the gate control method for the card reader.
Example four
Fig. 4 is a schematic diagram of a hardware structure of a financial device according to a fourth embodiment of the present invention. As shown in fig. 4, a financial device according to a fourth embodiment of the present invention includes: an input device 410, a processor 420, and a storage device 430.
The input device 410 is used for acquiring the digital identification code on the card after the card is detected to be inserted into the recognizer; the magnetic information of the digital identification code is acquired; wherein, the digital identification code comprises a category identification code;
one or more processors 420;
a storage device 430 for storing one or more programs.
In fig. 4, a processor 420 is taken as an example, the input device 410 of the financial device may be connected to the processor 420 and the storage device 430 through a bus or other means, and the processor 420 and the storage device 430 are also connected through a bus or other means, which is taken as an example in fig. 4.
In this embodiment, the processor 420 in the financial device may search whether a corresponding bank identification code is stored according to the category identification code; and the gate of the card reader can be opened after the corresponding bank identification code is found.
The storage device 430 in the financial apparatus is used as a computer-readable storage medium for storing one or more programs, which may be software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to the gate control method for the card reader in the embodiment of the present invention (for example, the first obtaining module 310, the searching module 320, and the control module 330 shown in fig. 3). The processor 420 executes various functional applications and data processing of the financial device by executing software programs, instructions and modules stored in the storage device 430, that is, the gate control method for the card reader in the above method embodiment is implemented.
The storage device 430 may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data or the like (a numeric identification code, a category identification code, a bank identification code, and the like in the above-described embodiments). Further, the storage 430 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, storage 430 may further include memory located remotely from processor 420, which may be connected to devices over a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
An embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a gate control device for a card reader, implements a gate control method for the card reader, where the method includes: after a card is detected to be inserted into a recognizer, acquiring a digital identification code on the card, wherein the digital identification code comprises a category identification code; searching whether a corresponding bank identification code is stored according to the category identification code; and if the corresponding bank identification code is found, opening a gate of the card reader.
From the above description of the embodiments, it is obvious for those skilled in the art that the present invention can be implemented by software and necessary general hardware, and certainly, can also be implemented by hardware, but the former is a better embodiment in many cases. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, and includes several instructions for enabling a computer device (which may be a personal computer, a financial device, or a network device) to execute the methods according to the embodiments of the present invention.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims (8)

1. A gate control method for a card reader, comprising:
after a card is detected to be inserted into the recognizer, acquiring a digital identification code on the card, wherein the digital identification code comprises a category identification code, the digital identification code is a bank card number on the face of a bank card provided with a card insertion direction icon, and the category identification code is an issuer identification code of the first six digits of the bank card number and is used for indicating issuing bank category information of the bank card when the card is inserted into the bank card;
searching whether a corresponding bank identification code is stored according to the category identification code, wherein the bank identification code is the bank name of a bank card issuing bank;
acquiring magnetic information of the digital identification code;
correspondingly, after searching whether the corresponding bank identification code is stored according to the category identification code, the method further comprises the following steps:
if the corresponding bank identification code is found, analyzing the magnetic information to obtain corresponding card identity information;
and if the card identity information corresponds to the bank identification code, opening a gate of the card reader.
2. The method of claim 1, further comprising:
if the preset closing condition is met, keeping the card reader gate closed;
wherein the preset shut-down condition comprises at least one of: the method comprises the steps of detecting that a card is inserted into a card reader, failing to acquire the digital identification code, not finding a corresponding bank identification code, failing to acquire the magnetic information, failing to analyze the magnetic information and enabling the identity information of the card not to correspond to the bank identification code.
3. The method of any of claims 1-2, further comprising, after the opening the shutter of the card reader:
and if the card is detected to be inserted into the card reader, closing a gate of the card reader.
4. The method of claim 3, further comprising:
after receiving an instruction of withdrawing the card, opening a gate of the card reader;
and closing a gate of the card reader after detecting that the card exits the card reader.
5. A gate control device for a card reader, comprising:
the card insertion identifier comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring a digital identification code on a card after detecting that the card is inserted into the identifier, the digital identification code comprises a category identification code, the digital identification code is a bank card number on the face of a bank card provided with a card insertion direction icon, and the category identification code is an issuer identification code of the first six digits of the bank card number and is used for indicating issuer category information of the bank card when the card is inserted into the bank card;
the searching module is used for searching whether a corresponding bank identification code is stored according to the category identification code, wherein the bank identification code is the bank name of a bank card issuing bank;
the second acquisition module is used for acquiring the magnetic information of the digital identification code;
the analysis module is used for searching the corresponding bank identification code in the search module and analyzing the magnetic information to obtain corresponding card identity information;
and the control module is also used for opening the gate of the card reader when the card identity information corresponds to the bank identification code.
6. The apparatus of claim 5, wherein the control module is further configured to:
when a preset closing condition is met, keeping the card reader gate closed;
wherein the preset shut-down condition comprises at least one of: the method comprises the steps of detecting that a card is inserted into a card reader, failing to acquire the digital identification code, not finding a corresponding bank identification code, failing to acquire the magnetic information, failing to analyze the magnetic information and enabling the identity information of the card not to correspond to the bank identification code.
7. A financial device comprising an input device, further comprising:
one or more processors;
storage means for storing one or more programs;
the one or more programs are executed by the one or more processors, and the one or more processors are used for realizing the gate control method for the card reader as claimed in any one of claims 1 to 4.
8. A computer-readable storage medium on which a computer program is stored, the program, when being executed by a processor, implementing the gate control method for a card reader according to any one of claims 1 to 4.
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