CN112085905A - Magnetic stripe card reader, magnetic stripe data processing device and magnetic stripe data processing method - Google Patents
Magnetic stripe card reader, magnetic stripe data processing device and magnetic stripe data processing method Download PDFInfo
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- CN112085905A CN112085905A CN201910520872.3A CN201910520872A CN112085905A CN 112085905 A CN112085905 A CN 112085905A CN 201910520872 A CN201910520872 A CN 201910520872A CN 112085905 A CN112085905 A CN 112085905A
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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]
- G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
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Abstract
The invention discloses a magnetic stripe card reader, a magnetic stripe data processing device and a magnetic stripe data processing method. The invention can realize the identification of illegal MST data and reduce the risks of user information leakage and MST data embezzlement.
Description
Technical Field
The invention relates to the technical field of banking and financial transaction equipment, in particular to a magnetic stripe card reader, a magnetic stripe data processing device and a magnetic stripe data processing method.
Background
In addition to a normal bankbook or bank card swiping to read Magnetic stripe data of the bankbook or bank card, when there are other MST (Magnetic security Transmission technology in english) data in a short distance around the Magnetic stripe card reader (data receiving range of the Magnetic stripe card reader), there may be other MST data to be read, and when the Magnetic stripe card reader reads other MST data in the periphery, an ATM or bank counter background application program may generate error data, thereby causing user data leakage or theft of the MST data.
Disclosure of Invention
In view of the above, it is necessary to provide a magnetic stripe card reader, a magnetic stripe data processing apparatus and a magnetic stripe data processing method, which aim to identify illegal MST data and reduce the risks of user information leakage and MST data embezzlement.
In order to achieve the purpose, the invention provides a magnetic stripe card reader which is used for an ATM or a bank counter and comprises a reader main body and a magnetic stripe swiping action detector, wherein a magnetic groove is formed in the reader main body, and the magnetic stripe swiping action detector is used for detecting whether a magnetic stripe performs complete magnetic stripe swiping action in the magnetic groove.
Preferably, the magnetic stripe brushing motion detector comprises a first detection sensor and a second detection sensor, the first detection sensor and the second detection sensor are arranged on the reader main body, the first detection sensor is close to one end of the magnetic slot, and the second detection sensor is close to the other end of the magnetic slot.
Preferably, the first detection sensor and the second detection sensor both adopt photoelectric switches.
Preferably, the magnetic stripe swiping motion detector comprises a camera, and the camera is mounted above the reader main body.
In order to achieve the above object, the present invention further provides a magnetic stripe data processing method, where the magnetic stripe data processing method includes:
when the situation that a reading device in the magnetic slot reads data is monitored, whether a magnetic stripe performs complete magnetic stripe brushing action in the magnetic slot or not in the data reading time period is judged;
if the magnetic stripe performs complete magnetic stripe brushing action in the magnetic slot within the reading time period of the data, the data is confirmed to be valid data and reported to a bank background; and if the magnetic stripe does not perform a complete magnetic stripe swiping action in the magnetic slot within the reading time period of the data, determining that the data is invalid data, and discarding the data without reporting the data to a bank background.
Preferably, adopt the action detector of brushing magnetic stripe to judge whether there is the magnetic stripe to carry out complete action of brushing magnetic stripe in the magnetic slot, wherein:
the magnetic stripe brushing action detector comprises a first detection sensor and a second detection sensor, the first detection sensor and the second detection sensor are arranged on the reader main body, the first detection sensor is arranged close to one end of the magnetic slot, and the second detection sensor is arranged close to the other end of the magnetic slot; or
The magnetic stripe brushing action detector comprises a camera, and the camera is installed above the reader main body.
In order to achieve the above object, the present invention further provides a magnetic stripe data processing method, where the magnetic stripe data processing method includes:
detecting whether a magnetic stripe is brushed in the magnetic slot in real time;
when detecting that a magnetic stripe performs initial action of brushing the magnetic stripe in the magnetic groove, determining the initial time of brushing the magnetic stripe of the action of brushing the magnetic stripe, and starting a reading device in the magnetic groove to read data, otherwise, not starting the reading device in the magnetic groove to read the data;
when detecting that the magnetic stripe finishes the action of brushing the magnetic stripe in the magnetic slot, determining the end time of brushing the magnetic stripe of the action of brushing the magnetic stripe, and closing a reading device in the magnetic slot to stop data reading;
and if the reading device in the magnetic slot receives the data in the time period between the magnetic stripe swiping starting time and the magnetic stripe swiping ending time, confirming that the data is valid data and reporting the valid data to a bank background.
Preferably, a magnetic stripe brushing motion detector is adopted to detect the initial motion of the magnetic stripe brushing in the magnetic slot and the ending motion of the magnetic stripe brushing in the magnetic slot, wherein:
the magnetic stripe brushing action detector comprises a first detection sensor and a second detection sensor, the first detection sensor and the second detection sensor are arranged on the reader main body, the first detection sensor is arranged close to one end of the magnetic slot, and the second detection sensor is arranged close to the other end of the magnetic slot; or
The magnetic stripe brushing action detector comprises a camera, and the camera is installed above the reader main body.
In order to achieve the above object, the present invention further provides a magnetic stripe data processing apparatus, including: memory, a processor, said memory having stored thereon a data processing program executable on said processor, said data processing program when executed by said processor implementing the steps of the magnetic stripe data processing method according to any of claims 5-8.
Compared with the prior art, the method and the device can identify illegal MST data, and reduce the risks of user information leakage and MST data embezzlement.
Drawings
FIG. 1 is a schematic diagram of a magnetic stripe card reader according to an embodiment of the present invention;
FIG. 2 is a schematic view of a magnetic stripe data processing apparatus according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a magnetic stripe card reader according to another embodiment of the present invention;
FIG. 4 is a schematic diagram of a magnetic stripe data processing apparatus according to another embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the description relating to "first", "second", etc. in the present invention is for descriptive purposes only and is not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In addition, technical solutions between various embodiments may be combined with each other, but must be realized by a person skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination should not be considered to exist, and is not within the protection scope of the present invention.
Fig. 1 is a schematic structural diagram of a magnetic stripe card reader according to an embodiment of the present invention. In this embodiment, the magnetic stripe card reader 1 is used for an ATM or a bank counter, the magnetic stripe card reader 1 includes a reader main body 11 and a magnetic stripe swiping motion detector 12, the reader main body 11 is provided with a magnetic slot 111, and the magnetic stripe swiping motion detector 12 is used for detecting whether a magnetic stripe (for example, a magnetic stripe of a passbook or a bank card) performs a complete magnetic stripe swiping motion in the magnetic slot 111. In this embodiment, the magnetic stripe swiping motion detector 12 comprises a first detection sensor 121 and a second detection sensor 122, the first detection sensor 121 and the second detection sensor 122 are disposed on the reader body 11, the first detection sensor 121 is disposed near one end of the magnetic slot 111, and the second detection sensor 122 is disposed near the other end of the magnetic slot 111.
The first detecting sensor 121 and the second detecting sensor 122 may both adopt photoelectric switches, and the photoelectric switches are switched on by a synchronous circuit by using the shielding or reflection of the detected object to the light beam, so as to detect the existence of the object. In the process of carrying out a complete magnetic stripe swiping action, the magnetic stripe of the bankbook or the bank card is inserted into the magnetic slot 111 from one end of the magnetic slot 111, at the moment, the magnetic stripe of the bankbook or the bank card is sensed by the first detection sensor 121 close to one end of the magnetic slot 111, then the magnetic stripe of the bankbook or the bank card slides towards the other end of the magnetic slot 111 in the magnetic slot 111, and then slides out of the magnetic slot 111 from the other end of the magnetic slot 111, and at the moment, the magnetic stripe of the bankbook or the bank card is sensed again by the second detection sensor 122 close to the other end of the magnetic slot 111. If the magnetic stripe of the passbook or bank card is sensed by the first detection sensor 121 and sensed by the second detection sensor 122 within a predetermined time interval (e.g., the maximum time it takes for the magnetic stripe data to be correctly read), it is determined that a complete swiping motion has occurred within the magnetic slot 111, otherwise, it is determined that a complete swiping motion has not occurred within the magnetic slot 111.
Fig. 2 is a schematic diagram of a magnetic stripe data processing apparatus 100 according to an embodiment of the present invention. The magnetic stripe data processing apparatus 100 is a device capable of automatically performing numerical calculation and/or information processing in accordance with a command set or stored in advance.
In the present embodiment, the magnetic stripe data processing apparatus 100 includes, but is not limited to, a memory 2, a processor 3, a magnetic stripe card reader 1 and a communication interface 4 which are communicatively connected to each other through a system bus, wherein the memory 2 stores a data processing program 20, and the data processing program 20 is executable by the processor 3. While FIG. 2 shows only a magnetic stripe data processing device 100 having components 1-4 and a data processing program 20, those skilled in the art will appreciate that the configuration shown in FIG. 2 does not constitute a limitation of magnetic stripe data processing device 100 and may include fewer or more components than shown, or some components in combination, or a different arrangement of components.
The storage 2 includes a memory and at least one type of readable storage medium. The memory provides a cache for the operation of the magnetic stripe data processing device 100; the readable storage medium may be a non-volatile storage medium such as flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, etc. In some embodiments, the readable storage medium may be an internal storage unit of the magnetic stripe data processing apparatus 100, such as a hard disk of the magnetic stripe data processing apparatus 100; in other embodiments, the non-volatile storage medium may also be an external storage device of the magnetic stripe data processing apparatus 100, such as a plug-in hard disk provided on the magnetic stripe data processing apparatus 100, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like. In this embodiment, the readable storage medium of the memory 2 is generally used for storing an operating system and various application software installed in the magnetic stripe data processing apparatus 100, such as codes of the data processing program 20 in an embodiment of the present invention. Further, the memory 2 may also be used to temporarily store various types of data that have been output or are to be output.
The processor 3 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data Processing chip in some embodiments. The processor 3 is generally used to control the overall operation of the magnetic stripe data processing apparatus 100, such as performing control and processing related to data interaction or communication with other devices. In this embodiment, the processor 3 is configured to run the program code stored in the memory 2 or process data, for example, run a data processing program 20.
The magnetic stripe of the bankbook or the bank card can be read by a reading device in the magnetic slot 111 when the magnetic stripe of the bankbook or the bank card is completely swiped in the magnetic slot 111 of the magnetic stripe card reader 1 as shown in fig. 1. When the magnetic stripe of the bankbook or the bank card does not perform the complete magnetic stripe swiping operation in the magnetic slot 111 of the magnetic stripe card reader 1, if the MST data exists near the magnetic slot 111, the MST data near the magnetic slot 111 can be read even when the reading device in the magnetic slot 111 is in the activated state, but the MST data are illegal, and the processing operation of the magnetic stripe data processing device 100 is not required or desired. The magnetic stripe swiping motion detector 12 is arranged to detect whether a magnetic stripe (such as a magnetic stripe of a bankbook or a bank card) performs a complete magnetic stripe swiping motion in the magnetic slot 111, and only when the magnetic stripe is detected to perform the complete magnetic stripe swiping motion in the magnetic slot 111, the reading device in the magnetic slot 111 sends the read data to the processor 3 of the magnetic stripe data processing device 100 for processing; and when the reading device in the magnetic slot 111 reads the MST data, but does not detect that the magnetic stripe performs the complete magnetic stripe brushing action in the magnetic slot 111, regarding the MST data read by the reading device in the magnetic slot 111 as invalid data, and discarding the invalidity without processing, that is, not reporting to the bank background.
The communication interface 4 may comprise a wireless communication interface or a wired communication interface, and the communication interface 4 is used for establishing a communication connection between the magnetic stripe data processing device 100 and a bank background.
Optionally, the magnetic stripe data processing apparatus 100 may further include a user interface, the user interface may include a Display (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface may further include a standard wired interface and a wireless interface. Alternatively, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch device, or the like. The display, which may also be referred to as a display screen or display unit, is suitable for displaying information processed in the magnetic stripe data processing apparatus 100 and for displaying a visual user interface.
The swipe motion detector 12 can detect whether a magnetic stripe (e.g. a magnetic stripe of a bankbook or bank card) performs a complete swipe motion in the magnetic slot 111 in real time to determine a swipe start time and a swipe end time of the swipe motion.
Specifically, in the process of performing a complete magnetic stripe swiping action, the magnetic stripe of the passbook or the bank card is inserted into the magnetic slot 111 from one end of the magnetic slot 111, at this time, the magnetic stripe of the passbook or the bank card is sensed by the first detection sensor 121 close to one end of the magnetic slot 111, a signal is fed back to the processor 3 by the first detection sensor 121, and the processor 3 determines the magnetic stripe swiping starting time according to the fed back signal and stores the magnetic stripe in the memory 2.
Then, the magnetic strip of the passbook or the bank card slides towards the other end of the magnetic slot 111 in the magnetic slot 111, and then slides out of the magnetic slot 111 from the other end of the magnetic slot 111, at this time, the magnetic strip of the passbook or the bank card is sensed again by the second detection sensor 122 close to the other end of the magnetic slot 111, a signal is fed back to the processor 3 by the second detection sensor 122, and the processor 3 determines the magnetic strip swiping ending time according to the fed back signal and stores the time in the memory 2.
When the reading device in the magnetic slot 111 reads the data, the data reading start time and the data reading end time are recorded. If the magnetic stripe of the passbook or bank card is sensed by the first detecting sensor 121 and sensed by the second detecting sensor 122 within a predetermined time interval, it is judged that a complete magnetic stripe swiping motion has occurred in the magnetic slot 111. If the data reading starting time is later than or equal to the magnetic stripe swiping starting time and the data reading ending time is earlier than or equal to the magnetic stripe swiping ending time, the fact that the magnetic stripe performs complete magnetic stripe swiping action in the magnetic slot 111 in the data reading time period is considered, and otherwise, the fact that the magnetic stripe does not perform complete magnetic stripe swiping action in the magnetic slot 111 in the data reading time period is considered.
In an embodiment of the magnetic stripe data processing method of the present invention, the data processing program 20 implements the following steps S1 and S2 when executed by the processor 3.
S1, when it is monitored that the reading device in the magnetic slot 111 reads data, judging whether a magnetic stripe performs a complete magnetic stripe brushing action in the magnetic slot 111 in the data reading time period;
s2, if the magnetic stripe performs a complete magnetic stripe brushing action in the magnetic slot 111 within the data reading time period, confirming that the data is valid data and reporting the valid data to a bank background; if no magnetic stripe performs a complete magnetic stripe swiping action in the magnetic slot 111 in the data reading time period, the data is determined to be invalid data, and the data is discarded without being reported to a bank background.
In the magnetic stripe data processing method of the embodiment, the MST data is wirelessly transmitted to the magnetic stripe card reader 1 in a short distance without passing through the swiping and folding detection sensors at the two ends of the magnetic slot 111, so that for the MST data, no magnetic stripe swiping action is performed completely in the magnetic slot 111 by the magnetic stripe in the reading time period of the MST data, the MST data is determined to be invalid data, the MST data is discarded without being reported to a bank background, and the MST data information is not processed and displayed, so that the MST data is shielded, and risks such as leakage and embezzlement of the MST data of a user are avoided.
In another embodiment of the magnetic stripe data processing method of the present invention, the data processing program 20 implements the following steps Sa1-Sa4 when executed by the processor 3.
Sa1, detecting whether a magnetic stripe is brushed in the magnetic groove 111 in real time;
sa2, when detecting that a magnetic stripe performs the initial action of brushing the magnetic stripe in the magnetic groove 111, determining the initial time of brushing the magnetic stripe of the action of brushing the magnetic stripe, and starting a reading device in the magnetic groove 111 to read data, otherwise, not starting the reading device in the magnetic groove 111 to read data;
sa3, when detecting that the magnetic stripe is in the magnetic groove 111 to brush the magnetic stripe, determining the magnetic stripe brushing end time of the magnetic stripe brushing action, and closing the reading device in the magnetic groove 111 to stop data reading;
sa4, if the reading device in the magnetic slot 111 receives data in the time period between the magnetic stripe brushing starting time and the magnetic stripe brushing ending time, confirming that the data is valid data and reporting the valid data to the bank background.
In the magnetic stripe data processing method of the embodiment, the MST data is wirelessly transmitted to the magnetic stripe card reader 1 in a short distance without passing through the swiping and folding detection sensors at the two ends of the magnetic slot 111, so that for the MST data, no magnetic stripe is swiped in the magnetic slot 111 in the read time period of the MST data, a reading device in the magnetic slot 111 is not started to read the data, the magnetic stripe card reader 1 directly shields the MST data without reading the MST data, and risks such as leakage and stealing of the MST data of a user are avoided.
Fig. 3 is a schematic structural diagram of another embodiment of the magnetic stripe card reader of the present invention, which can be used in an ATM or a bank counter. In this embodiment, the magnetic stripe card reader 1a is used for an ATM, the magnetic stripe card reader 1a includes a reader main body 11a and a magnetic stripe swiping motion detector 12a, the reader main body 11a is provided with a magnetic slot 111a, and the magnetic stripe swiping motion detector 12a is used for detecting whether a magnetic stripe (for example, a magnetic stripe of a bankbook or a bank card) performs a complete magnetic stripe swiping motion in the magnetic slot 111 a. In this embodiment, the magnetic stripe swiping motion detector 12a comprises a camera which is installed above the reader main body 11a, namely the camera is installed on the body 15 of the ATM machine and is located above the reader main body 11 a. When the magnetic stripe card reader 1a is used on a bank counter, a mounting frame may be provided, and a camera is mounted on the mounting frame and positioned above the reader main body 11 a.
The camera can recognize the action of swiping the magnetic stripe so as to determine whether to perform the complete action of swiping the magnetic stripe in the magnetic slot 111a, and recognizing a certain action through the camera belongs to the prior art which can be realized in the field, and specific recognition is not repeated here.
In the complete magnetic stripe swiping action process, the magnetic stripe of the bankbook or the bank card is inserted into the magnetic slot 111a from one end of the magnetic slot 111a, at the moment, the magnetic stripe of the bankbook or the bank card is inserted into the action and can be recognized by the camera, and the magnetic stripe swiping starting time of the magnetic stripe swiping action is determined, then the magnetic stripe of the bankbook or the bank card slides towards the other end of the magnetic slot 111a in the magnetic slot 111a, and then the magnetic stripe of the bankbook or the bank card slides out of the magnetic slot 111a from the other end of the magnetic slot 111a, at the moment, the magnetic stripe sliding out action of the bankbook or the bank card can be recognized by the camera, and the magnetic stripe swiping. That is, the camera can recognize the magnetic stripe swiping motion and determine the magnetic stripe swiping starting time of the magnetic stripe swiping motion and the magnetic stripe swiping ending time of the magnetic stripe swiping motion, so as to determine whether the complete magnetic stripe swiping motion occurs in the magnetic slot 111 a.
Fig. 4 is a schematic diagram of a magnetic stripe data processing apparatus 100a according to another embodiment of the present invention. The magnetic stripe data processing apparatus 100a is a device capable of automatically performing numerical calculation and/or information processing in accordance with a command set or stored in advance.
In the present embodiment, the magnetic stripe data processing apparatus 100a includes, but is not limited to, a memory 2a, a processor 3a, a magnetic stripe card reader 1a and a communication interface 4a which are communicatively connected to each other through a system bus, wherein the memory 2a stores a data processing program 20a, and the data processing program 20a is executable by the processor 3 a. While FIG. 2 shows only a magnetic stripe data processing device 100a having components 1a-4a and a data processing program 20a, those skilled in the art will appreciate that the configuration shown in FIG. 2 does not constitute a limitation of the magnetic stripe data processing device 100a, and may include fewer or more components than shown, or some components in combination, or a different arrangement of components.
The storage 2 includes a memory and at least one type of readable storage medium. The memory provides a cache for the operation of the magnetic stripe data processing device 100 a; the readable storage medium may be a non-volatile storage medium such as flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, etc. In some embodiments, the readable storage medium may be an internal storage unit of the magnetic stripe data processing apparatus 100a, such as a hard disk of the magnetic stripe data processing apparatus 100 a; in other embodiments, the non-volatile storage medium may also be an external storage device of the magnetic stripe data processing apparatus 100a, such as a plug-in hard disk provided on the magnetic stripe data processing apparatus 100a, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like. In this embodiment, the readable storage medium of the memory 2a is generally used for storing an operating system and various application software installed in the magnetic stripe data processing apparatus 100a, such as codes of the data processing program 20a in an embodiment of the present invention. Further, the memory 2a may also be used to temporarily store various types of data that have been output or are to be output.
The processor 3a may be a Central Processing Unit (CPU), a controller, a microcontroller, a microprocessor, or other data Processing chip in some embodiments. The processor 3a is generally used to control the overall operation of the magnetic stripe data processing apparatus 100a, such as performing control and processing related to data interaction or communication with other devices. In this embodiment, the processor 3a is configured to run program codes stored in the memory 2 or process data, for example, run a data processing program 20 a.
As shown in fig. 3, when the magnetic stripe of the bankbook or the bank card is completely swiped in the magnetic slot 111a of the magnetic stripe card reader 1a, the magnetic stripe data of the bankbook or the bank card may be read by a reading device in the magnetic slot 111 a. When the magnetic stripe of the bankbook or the bank card does not perform the complete magnetic stripe swiping operation in the magnetic slot 111a of the magnetic stripe card reader 1a, if the MST data exists near the magnetic slot 111a, the MST data near the magnetic slot 111a can be read even when the reading device in the magnetic slot 111a is in the activated state, but the MST data is illegal, and the processing operation of the magnetic stripe data processing device 100a is not required or desired. The magnetic stripe swiping motion detector 12a is arranged, so that whether a magnetic stripe (such as a magnetic stripe of a bankbook or a bank card) performs a complete magnetic stripe swiping motion in the magnetic slot 111a can be detected, and only when the magnetic stripe is detected to perform the complete magnetic stripe swiping motion in the magnetic slot 111, the reading device in the magnetic slot 111a sends the read data to the processor 3a of the magnetic stripe data processing device 100a for processing; when the reading device in the magnetic slot 111a reads the MST data, but the complete magnetic stripe swiping action of the magnetic stripe in the magnetic slot 111a is not detected, the MST data read by the reading device in the magnetic slot 111a is regarded as invalid data, and the invalidity is discarded without processing, namely, the MST data is not reported to the bank background.
The communication interface 4a may comprise a wireless communication interface or a wired communication interface, and the communication interface 4a is used for establishing a communication connection between the magnetic stripe data processing device 100a and the bank background.
Optionally, the magnetic stripe data processing apparatus 100a may further include a user interface, the user interface may include a Display (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface may further include a standard wired interface and a wireless interface. Alternatively, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch device, or the like. The display, which may also be referred to as a display screen or display unit, is suitable for displaying information processed in the magnetic stripe data processing apparatus 100a and for displaying a visual user interface.
The swiping motion detector 12a (camera) can detect whether a magnetic stripe (e.g. a magnetic stripe of a bankbook or a bank card) performs a complete swiping motion in the magnetic slot 111a in real time, so as to determine a swiping start time and a swiping end time of the swiping motion.
Specifically, in the process of carrying out a complete magnetic stripe swiping action, the magnetic stripe of the bankbook or the bank card is inserted into the magnetic slot 111a from one end of the magnetic slot 111a, at the moment, the magnetic stripe inserting action of the bankbook or the bank card can be recognized by the camera, the camera feeds back a signal to the processor 3a, and the processor 3a determines the magnetic stripe swiping starting time according to the fed back signal and stores the magnetic stripe swiping starting time in the memory 2 a.
Then, the magnetic strip of the bankbook or the bank card slides towards the other end of the magnetic slot 111a in the magnetic slot 111a, and then slides out of the magnetic slot 111a from the other end of the magnetic slot 111a, at this time, the sliding-out action of the magnetic strip of the bankbook or the bank card can be identified by the camera, the camera feeds back a signal to the processor 3a, and the processor 3a determines the magnetic strip swiping ending time according to the fed-back signal and stores the time in the memory 2 a.
When the reading device in the magnetic slot 111a reads data, the data reading start time and the data reading end time are recorded. If the magnetic strip insertion motion of the bankbook or the bank card is recognized by the camera and the magnetic strip insertion motion of the bankbook or the bank card is recognized by the camera at a predetermined time interval, it is determined that a complete magnetic strip swiping motion occurs in the magnetic slot 111 a. If the data reading starting time is later than or equal to the magnetic stripe swiping starting time and the data reading ending time is earlier than or equal to the magnetic stripe swiping ending time, the fact that the magnetic stripe performs complete magnetic stripe swiping action in the magnetic groove 111a in the data reading time period is considered, and otherwise, the fact that the magnetic stripe does not perform complete magnetic stripe swiping action in the magnetic groove 111a in the data reading time period is considered.
In yet another embodiment of the magnetic stripe data processing method of the present invention, said data processing program 20a when executed by said processor 3a implements steps Sb1 and Sb2 as follows.
Sb1, when it is monitored that the reading device in the magnetic slot 111c reads data, judging whether a magnetic stripe performs complete magnetic stripe brushing action in the magnetic slot 111c in the data reading time period;
sb2, if the magnetic stripe performs a complete magnetic stripe brushing action in the magnetic slot 111a within the reading time period of the data, confirming that the data is valid data and reporting the valid data to a bank background; if no magnetic stripe performs a complete magnetic stripe swiping action in the magnetic slot 111a in the data reading time period, the data is determined to be invalid data, and the data is discarded without being reported to the bank background.
In the magnetic stripe data processing method of the embodiment, the MST data is wirelessly and closely transmitted to the magnetic stripe card reader 1a, and does not pass through the swiping and folding detection sensors at the two ends of the magnetic slot 111a, so that for the MST data, no magnetic stripe in the magnetic slot 111a performs a complete magnetic stripe swiping action in a reading time period of the MST data, the MST data is determined to be invalid data, the MST data is discarded without being reported to a bank background, and the MST data information is not processed and displayed, so that the MST data is shielded, and risks of leakage, embezzlement and the like of the MST data of a user are avoided.
In yet another embodiment of the magnetic stripe data processing method of the present invention, the data processing program 20a when executed by the processor 3a implements the following steps Sc1-Sc 4.
Sc1, detecting whether a magnetic stripe is brushed in the magnetic groove 111a in real time;
sc2, when detecting that a magnetic stripe performs initial action of brushing the magnetic stripe in the magnetic groove 111a, determining the initial time of brushing the magnetic stripe of the action of brushing the magnetic stripe, and starting a reading device in the magnetic groove 111a to read data, otherwise, not starting the reading device in the magnetic groove 111a to read data;
sc3, when detecting that the magnetic stripe finishes the action of brushing the magnetic stripe in the magnetic groove 111a, determining the end time of brushing the magnetic stripe of the action of brushing the magnetic stripe, and closing a reading device in the magnetic groove 111a to stop data reading;
and Sc4, if the reading device in the magnetic groove 111a receives data in the time period between the starting time of the magnetic stripe swiping and the finishing time of the magnetic stripe swiping, determining that the data is valid data and reporting the valid data to a bank background.
In the magnetic stripe data processing method of the embodiment, the MST data is wirelessly transmitted to the magnetic stripe card reader 1a in a short distance without passing through the swipe and fold detection sensors at the two ends of the magnetic slot 111a, so that for the MST data, there is no initial action of swiping the magnetic stripe in the magnetic slot 111a by the magnetic stripe in the reading time period of the MST data, the reading device in the magnetic slot 111a is not started to read the data, the magnetic stripe card reader 1a directly shields the MST data without reading, and risks such as leakage and swipe embezzlement of the MST data of a user are avoided.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (9)
1. The utility model provides a magnetic stripe card reader for ATM or bank counter use, its characterized in that, magnetic stripe card reader is including reading the ware main part and brushing magnetic stripe action detector, be equipped with the magnetic slot in the ware main part, it is in to brush magnetic stripe action detector is used for detecting whether there is the magnetic stripe to carry out complete magnetic stripe action of brushing in the magnetic slot.
2. The magnetic stripe card reader of claim 1 wherein said swiping motion detector comprises a first detection sensor and a second detection sensor, said first detection sensor and said second detection sensor being disposed on said reader body, said first detection sensor being disposed proximate one end of said magnetic slot and said second detection sensor being disposed proximate the other end of said magnetic slot.
3. The magnetic stripe card reader of claim 2 wherein said first detection sensor and said second detection sensor each employ a photoelectric switch.
4. The magnetic stripe card reader of claim 1 wherein said swiping motion detector comprises a camera mounted above said reader body.
5. A magnetic stripe data processing method is characterized by comprising the following steps:
when the situation that a reading device in the magnetic slot reads data is monitored, whether a magnetic stripe performs complete magnetic stripe brushing action in the magnetic slot or not in the data reading time period is judged;
if the magnetic stripe performs complete magnetic stripe brushing action in the magnetic slot within the reading time period of the data, the data is confirmed to be valid data and reported to a bank background; and if the magnetic stripe does not perform a complete magnetic stripe swiping action in the magnetic slot within the reading time period of the data, determining that the data is invalid data, and discarding the data without reporting the data to a bank background.
6. A magnetic stripe data processing method according to claim 5, wherein a magnetic stripe swiping motion detector is used to determine whether there is a magnetic stripe performing a complete magnetic stripe swiping motion in the magnetic slot, wherein:
the magnetic stripe brushing action detector comprises a first detection sensor and a second detection sensor, the first detection sensor and the second detection sensor are arranged on the reader main body, the first detection sensor is arranged close to one end of the magnetic slot, and the second detection sensor is arranged close to the other end of the magnetic slot; or
The magnetic stripe brushing action detector comprises a camera, and the camera is installed above the reader main body.
7. A magnetic stripe data processing method is characterized by comprising the following steps:
detecting whether a magnetic stripe is brushed in the magnetic slot in real time;
when detecting that a magnetic stripe performs initial action of brushing the magnetic stripe in the magnetic groove, determining the initial time of brushing the magnetic stripe of the action of brushing the magnetic stripe, and starting a reading device in the magnetic groove to read data, otherwise, not starting the reading device in the magnetic groove to read the data;
when detecting that the magnetic stripe finishes the action of brushing the magnetic stripe in the magnetic slot, determining the end time of brushing the magnetic stripe of the action of brushing the magnetic stripe, and closing a reading device in the magnetic slot to stop data reading;
and if the reading device in the magnetic slot receives the data in the time period between the magnetic stripe swiping starting time and the magnetic stripe swiping ending time, confirming that the data is valid data and reporting the valid data to a bank background.
8. A magnetic stripe data processing method according to claim 7, wherein a magnetic stripe swiping motion detector is used to detect an initial motion of the magnetic stripe swiping in the magnetic slot and an end motion of the magnetic stripe swiping in the magnetic slot, wherein:
the magnetic stripe brushing action detector comprises a first detection sensor and a second detection sensor, the first detection sensor and the second detection sensor are arranged on the reader main body, the first detection sensor is arranged close to one end of the magnetic slot, and the second detection sensor is arranged close to the other end of the magnetic slot; or
The magnetic stripe brushing action detector comprises a camera, and the camera is installed above the reader main body.
9. A magnetic stripe data processing apparatus, characterized in that the magnetic stripe data processing apparatus comprises: memory, a processor, said memory having stored thereon a data processing program executable on said processor, said data processing program when executed by said processor implementing the steps of the magnetic stripe data processing method according to any of claims 5-8.
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