GR20160200208U - System for the self-annulation of fraudulent money withdrawals via the interactive actuation of a wireless unique-utilisation device - Google Patents

Abstract

The invention relates to a system meant to self-annulate fraudulent commands of cash withdrawal by intruders via the interactive activation of a wireless unique-utilization device (Tn). The unsuccessful attack by hackers is communicated to the owner of the attacked account by a phone call autonomously sent, in real time, from the program 3 of the system (of the interactive ATM or the interactive device of the bank account), and, certainly, after intervention of the central server (XE)which is informed by the card reader (Cr). The invention finds application to bank counters and ATM machines.

Description

AUTO-CANCEL SYSTEM OF WITHDRAWAL OF MONEY THROUGH CREDIT CARDS AND DEPOSITS WITH INTERACTIVE ACTIVATION OF SINGLE-USE WIRELESS DEVICE.

Technical field of the invention.

The present invention relates to a secure integrated system for activating bank accounts using credit cards, for the purpose of self-cancellation of an illegal order to withdraw money from intruders, applicable to cash register systems of banks such as devices for secure activation of bank accounts on the verge of cash registers in connection with cashiers PCs, also in automatic teller machines -ATMs- in connection with these PCs. As for withdrawing money using processing capability credit or debit cards (smart card) or conventional data storage integrated circuit, the system in question can be built into an interactive dual-program automatic withdrawal ATM.

The safe activation of bank accounts using a card to secure bank deposits and through cash registers. disrupts the established banking system by providing a secure result due to the interactive activation of a single-use mobile telecommunication device in real time, before an illegal withdrawal order from an attacker evolves into legitimate banking with adverse consequences.

The said invention (in hypothetical operation) with an automatic telephone call from the system program (the interactive ATM or the interactive cashier's small size device) after the two-way notification and the central processor of the financial institution (upon the request of the credit card) through of the special card reader, notifies the bank account holder (by activating his unique telecommunication device) in a timely manner. for the attack his account receives from unknown Hackers without however succeeding.

Also of particular importance is the presence of the system in maintaining legitimacy within the bank, preventing the naive employee from the idea of extracting money from third party accounts.

The interactive -ATM- dual program selection keeps active the existing conventional money withdrawal function for credit card holders who wish to transact in the usual way, with all that this implies for the security of their deposits against any would-be intruder.

As the system works interactively with self-cancellation against any "unsigned order" that attempts to illegally withdraw money either through an ATM or through cash registers, it is also the reason why the system rejects any request to withdraw money to a bank account without the authorization of the legal owner of the bank account, however far the owner may be from the scene of the incident.

From the notification of the news (to the legitimate owner of the credit card by activating his unique telecommunication device that his bank account is under attack, the system for a short period of time provides him with the possibility (response time) to choose to reject the attack (with automatic activation of the interactive program), or the approval of the withdrawal of funds. If the account holder chooses the second solution, then with a wireless command in real time to the interactive system from which the information about the ongoing attack came by telecommunication, sends the his request via the single-use wireless device.

In the event that the response time elapses and no decision is made, then without the intervention of another agent, the interactive system (of the ATM or Cashier Device) proceeds to self-cancel the order to withdraw money while informing any interested public authority or administration by means of an automatic telephone call of the bank for the ongoing event.

Every invention in the field of financial systems is intended to further strengthen the security system of banks against the mighty Hackers who are always working against banking groups targeting not only the accounts of depositors, however important they may be, but also treasuries of any origin.

"The degree of inventiveness of an idea is not only measured by the length of a chain that wraps around a high-interest area and the number of padlocks used, but whether the quality of the idea for a security system is inversely proportional to the reduction in the length of the chain in terms of the upgrading of the locks".

In financial institutions and banking groups, the biggest risk for a successful heist is often from their employees, as they are the people who can easily give attackers their bank account codes. The end result is the transfer of a large amount of money from the banks' vaults to the attacker's vault and beyond.

The objective of the present invention is precisely this, to increase the security of the banking system with the participation of depositors who for the first time are given the opportunity to experience from close quarters using their mobile phone the attack of an intruder who may under the law of the possibilities and in an indefinite period of time that each depositor's account will also accept, but which attack as it is already foreseeable. will be rejected by the interactive system in real time.

• Of particular interest is the application of this invention (either through devices on the verge of cash registers, or through ATMs) as the credit card is the "key" in the user's communication with the depositor's account number (after cross-checking the data and from the bank's Processor), forces the system to make a phone call with the account holder's single-use telecommunications device, accompanied by a call confirmation protocol. The absence of the credit card (in a remote intrusion) increases the security protocol of the system on the one hand because it does not allow opening the account without the card, on the other hand because the absence of the call confirmation protocol interrupts the operation of the credit card reader,

Prior art level.

For many years, the prevailing method of short-term withdrawal of money (apart from the personal presence of the depositor / customer at the bank's cash desk), is through the use of ATM automatic withdrawal technology banking machines that provide the great convenience to the bank account holder to be served with the less delay.

The first invention of a rudimentary (for its time) - ATM - was filed in 1939 by inventor Luther Simjian, evolved by other inventors until 1967, and modernized by manufacturers and banking organizations since then.

As is well known, a machine for banking uses such as that of automatic withdrawal of money -ATM-, in addition to its electronic and mechanical parts for counting, advancing and managing the banknotes, is a terminal electronic processor of a certain function that carries the central processing unit -CPU- or set of these, based on the numerical logic unit -ALU-, executes instructions of a certain program which, among other things, also includes the input / output functions in the system. The electronic program it has is activated through electronic commands initially by the "reader" of magnetic data that carries the magnetic reading head, into whose slot the credit card is inserted to identify the individual data of the owner, then by the electrical stimuli of its keys console, after the program evolves.

The head of the magnetic reader reads on the one hand the personal information that is mechanically imprinted on the magnetic iron strip on the back side of the bank card, on the other hand the confidential banking data contained in the microchip embedded in the face of the card which can have either only an input integrated circuit / data storage output, or a microprocessor (smart card) connected to the ATM computer with the ability to add and remove data to secure the data contained in the credit or debit card. The above information contained in each credit or debit card (personal and bank data) is accompanied by the character of utmost confidentiality and is protected by what is provided by the legislation on the confidentiality of banking transactions.

When inserting the credit card into the slot of the magnetic reader, the screen shows the user's obligation to enter the one and only four-digit security level - PIN - as the unique access code (under his control) to activate the contract's program -ATM-.

The credit card reader -ATM- through its magnetic heads in use and the reading software, cross-checks the data of the card and the code number -PIN- with those registered in the central Processor of the financial institution and depending on the reliability of the input data , the existing operating program rejects or approves the continued operation of the automatic withdrawal system of the conventional ATM. Banking systems companies as well as banking groups have shown particular interest by technologically investing in increasingly secure anti-eavesdropping systems using sophisticated secure communication protocols, as well as in the creation of increasingly sophisticated smart credit/debit cards that, by implanting microprocessors, attempt the Blocking Hackers. As for the secure management of the entire ATM system, SET (Secure Electronic Transaction) is a highly secure protocol used by most banks and financial institutions such as MasterCard and Visa, with the technological support of high-tech research companies. Microsoft and IBM.

With regard to the existing state of the art of automatic teller machines, the code number -PIN- as a unique degree of security (under the jurisdiction of the user) activates the operating program of an ATM, whose system accepts each user as the legal owner of the card or bank account.

In fact, the existing banking transaction security system is unable to recognize the identity of the user, let alone approve or reject in each use the real beneficiary of the withdrawal card from the illegal who under unspecified circumstances "found himself in possession" of a genuine withdrawal card that does not belong to him, as well as the "magic" code -PIN- of this card.

With the present invention in use the PAST of banking technology regarding the safety of ATM automatic withdrawal machines and the withdrawal of money with the necessary presentation of a deposit book at bank counters, may be OVERTURNED !!! . the banking system upon implementation of the present invention ceases to give money to anyone unless the bank account holder is first contacted to inform them of a pending withdrawal request.

Brief description of the invention.

The system in question of self-cancellation of an illegal withdrawal order by interactive activation of the device (unique telecommunication function) of the bank account holder, is built into an interactive device to activate bank accounts only using a card for deposits and withdrawals through the cash registers on the one hand, on the other hand cooperating with the system with conventional automatic withdrawal machines using a card. is assembled in an interactive ATM of advanced technology. This way of relating the depositor to his bank account and shielding the single-use telecommunication device that acts as a paging transceiver (while lacking numerical and grammatical keys that do not allow it to be used further) dramatically increases the security protocol of his bank account at the initiative of same.

In order to activate the system of self-cancellation of an illegal order and to open accounts using the holder's credit card, the call number of the single-use device is added to it, which number is also registered with the central Processor of the financial institution that is also responsible for management of.

When the card is inserted into the reader slot in the frame of the ATM screen or cash register, the special reader cross-references the credit card data through the terminal application protocol data unit with those registered in the banking system.

Said interactive self-cancellation system consists of four basic units and the circuit board on which the integrated circuit of the interactive system is built. The first unit is the credit card reader after the input slot and the card reading software, the second unit is the screen on the frame with the number pad and the keyboard to transfer the commands, the third unit is the operating program with the processor and finally the fourth unit is the integrated circuit of the telephone exchange that manages a telephone device with a registered calling number of a certain use.

By adding two additional buttons after an electrical switch and an electrical conductor, it becomes a dual-function Interactive ATM terminal. The reason is to maintain the conventional money withdrawal program as it is necessary to serve many credit card users who, for theoretical and practical reasons of difficulty, are unable to easily accept every new environment of technological development.

After that, in addition to the two keys, indications for use in changing the withdrawal program are added to the keyboard console, such as the button labeled "Interactive Withdrawal Program" and the button labeled "Conventional Withdrawal Program".

Note: The reason for mentioning mechanical keys in the interactive ATM unit is to simplify the description and does not deny the right to use other types of keys, such as virtual reality keys or static touch keys. After all, the handling of changing the dual program will be performed from the keyboard with a visual display of the question regarding the selection of the money withdrawal program, on the ATM screen.

• The telephone center of the system of the invention in conjunction with the processor of its application program, aims to permanently activate a telephone call with the bank account holder's one-way operation device every time the credit card is used at an ATM or with a cash register, regardless of the user. Each use of the card in an attempt to activate a bank account is received by the security system as an intrusion and is converted into a wireless tele-information about the evolving risk to the recipient of the origin of the bank account. in real time. After this, the system's call center in every phone call with a single-use wireless device, simultaneously transmits a coded phrase with the characterization of the immediate risk of an attack on a bank account. which, as it is decoded by the device, appears in writing on the screen for as long as the call lasts.

Note: In the event that the phone number of the unique device is not an offer from the bank but a product purchased from a telephone company, then in case of loss or forced change of the phone number of the unique telecommunication device, its owner has the possibility to intervene in the external type memory Flash the credit card and in the same way that it changes the code -PIN-, in the same way it deletes the old number of the unique device and types the new number, accompanied by a code provided by the bank. The phone number is also stored in the central Processor, while the bank, in order to confirm the authenticity of the order to change the phone number, further defines the replacement protocol that the depositor must follow to the letter.

Brief presentation of the figures.

Figure -1- schematically illustrates the wiring of the self-cancellation system of the illegal order and the activation of a bank account using a credit card (SmC), after the four basic electronic units of the system, built on the electrical circuit board (7). The system is without power supply intended for the assembly of the interactive cash register device on the one hand, on the other hand for the assembly of an interactive ATM.

It carries the four basic operating units, such as the special reader (Cr) of credit cards, the screen (Sc1) after the frame (M1) with the number plate (1) and the keyboard (PU) for the transfer of commands, after the electrical conductor (a1) which is led to the waiting connector (CO) towards the conductor (a2) and the switch (S1), the operating program (3) with the processor (4) and the integrated circuit of the telephone exchange (Ts), which manages a telephone device with a registered calling number of a certain use.

Figure -2- in its illustrative layout is shown activated after the use of the credit card (SmC), however with the interactive system rejecting the request of the card user and possible intruder to withdraw money. as the switch (S2) remains out of electrical phase.

Figure -3- symbolically illustrates the authorization of the withdrawal command, as both switches (S1) and (S2) are in phase.

Figure -4- illustrates the interactive system of the invention for self-cancellation of an illegal withdrawal order through the operating phases of figures -1-, -2-, and -3-, assembled in an interactive device for activating bank accounts using the credit card (SmC ), placed on the one hand on the verge of the cash registers of the banks, on the other hand in an automatic cash withdrawal device, an interactive ATM. It carries the numeric keypad (1), the command keypad (A-b-c-d) with the indicated use (ir) of each key, the special reader slot (Cr) with the credit card (SmC) in perspective waiting for entry. Also the cancel key (5) and the screen (Sc1) after the frame (M1). All are enclosed by the frame (8).

Figure -5- shows the interactive system of figure -1- built into an interactive ATM of one choice, with the integrated circuit the program (3) on the board (7) and in the rejection phase of the call by the owner of the unique device (Tn ) by activating the interactive program, after the telephone call made by the call center (Ts)

Figures -6- and -7- refer to the layout of an interactive ATM dual program withdrawal to keep and the conventional program for users with slow adaptation problems, with the key (2) in place of the standby connector (CO), also the key (6 ) after the switch (S3) and the electrical conductor (a7) which through the shunt (W) is bridged with the terminal command output conductor (a6), to complete the conventional operation.

In figure -6- the dual program interactive ATM is out of order as switches (S1), (S2) and (S3) are out of phase. As for the rejection or approval phases for withdrawing money, the same applies as in figures -2- and -3-.

Figure -7- illustrates the dual-program interactive ATM with the conventional operating program activated. In this phase, the activated button (6) deactivated the switches (S1) and (S2) that serve the interactive program and put in phase the switch (S3) of the conventional program, then the electrical conductor (a7) which is bridged with the shunt (W) to transfer the command to the output pipe (a6).

Figure -8- shows the interactive system of figure -1- with the integrated circuit program built on the board (7) being included in the assembly of the interactive ATM, symbolically surrounded by the shell (Sh).

Figure -9- shows the "lnteractive-1" device of figure -4- assembled into an interactive device that came from the interactive system of figure -1- for activating bank accounts with a credit card and for securing deposits and through funds. The device is placed on the edge of the cash registers and through the pipeline (a8) in connection with the processor (Pc) it communicates with the remote central Processor (CE), using the Server (CS) for each cash register.

Figure -10- illustrates the screen (Sc2) belonging to the cashier's computer, linked to the processor (Pc) of figure -11- through the conductor (a9), with which processor (Pc) is also connected keyboard (9) through the conduit (a10) of figure -12-.

Figure -13- symbolically depicts the remote Central Processor (CE) of the banking institution in connection with the cashier's processor (Pc) through pipeline (a11). Every transaction performed by the interactive device "lnteractive-1" and by the cashier's computer is crossed by the Central Processor (CE). Every ATM transaction is also reported to this Central Processor.

Figure -14- symbolically illustrates the architectural arrangement of two cash registers inside a bank. The two "interactive-1" interactive credit card acceptance devices are placed on the counters outside the cash registers and at user height, one in each cash register to activate bank accounts only with the use of a card, figure -15-.

The figures from -16- to -20- symbolically depict the personal presence (through the mobile device) of the legal holder of the credit card and owner of the unique device (Ti), at the front of an interactive ATM for withdrawing money.

Figure -16- shows the interactive ATM "lnteractive-2" (choice of two programs) whose call center (Ts) after crossing data and by the Processor (CE) of the bank figure -17-, is in a telephone connection with the unequivocal device (Ti) of figures -19- and -20- of the bank account holder.

Figure -18- shows the base station (10) of a mobile telephone company after the antenna (11) that connects the telephone exchange (Ts) of the interactive system "lnteractive-1" or "lnteractive-2" to the single-signal device (Tn) .

Figure (19) shows the unique mobile device (T) that receives the telephone call from the telephone exchange (Ts) of the interactive ATM "lnteractive-2" accompanied by the rings (tr), while at the same time the telephone exchange transmits the coded phrase " INTRUSION PREVENTION" which is decoded and displayed on the screen of the unambiguous device (Tn) of figure -19- symbolized by the vertical lines (12).

Figure (20) shows the one-way device (Tn) in a phase where it has rejected the incoming call by interrupting and ringing by pressing the key (Αp) by the owner of the device (Tnn. With this option, the owner of the mobile device canceled the program of interactive operation of the system and activated the "withdraw money" program.

Figures from -21- to -26- illustrate the remote rejection of a request to withdraw money, from the owner of the credit card (SmC) and the unique device (Ti), to the user of the card and owner of the mobile device (Mt- 1) who submitted the withdrawal request to the ATM.

Description and Operation of the cash register and ATM system.

The valid credit card (SmC) entered in the slot of the special reader (Cr) unit for data identification, (figures -1- and -4-) as well as the valid code number (PIN) entered using the keyboard (PU) . as illustrated in Figures -1- to -6-. This system consists of an interactive device to secure deposits and through cash registers as shown in figures -4-, -9-, -14- and -15-, as well as an automatic teller machine for withdrawing ATM money, outside the banks.

After the internal identification of the authenticity and details of the credit card (SmC) by the special reader (Cr) figures -1- and -4-, the program with the menu of bank transactions and through the keyboard appears on the screen (Sc1) (PU), the corresponding program is selected without the banking system yet knowing the identity of the user, i.e. that is still valid today in the operation of a conventional automatic cash withdrawal ATM.

The user of the interactive device of figure -4- or the interactive ATM of figure -5- (both devices are composed of the interactive system of figures -1- to -6-), selects the key marked (A) which symbolically refers to the withdrawal of money and the command through the electrical conductor (a1 ) and (a2), is driven to the switch (S1) activating the program (3) after the processor (4).

Note: The number of keys on the keyboard (PU) as well as those of the numerology as well as their nomenclature were chosen randomly for the purpose of description, therefore they have only symbolic meaning.

The activation of the call center (Ts) is strictly dependent on the command of the processor (4) controlled by the card reader (Cr), the central Server (CS) and the intersection of elements of the central Processor (CE) as the sole reference Gateway of the electronics banking transactions. like conventional ATMs.

The Central Processor (CE) through the Server (CS) as it is in communication with the special card reader (Cr) whose magnetic head already<">reads<">the data of the card (SmC), compares them with those of of its own entry (encoded holder details after the unique device (Ti) in the CE) and if no rejection occurs (for various reasons by the CE Processor), then the special card reader (Cr) via the conductor (a4) puts the switch (Sr) and the processor (4) of the interactive system through the conductor (a3) activates the telephone exchange (Ts) as graphically illustrated in figures from -1- to -6-.

The Single Use wireless device (in the early days of the mobile phone), works as a paging transceiver. The device lacks basic number / grammar keys except for the bare essentials, hence it does not compose text messages or make phone calls with other devices. It is a wireless device for receiving a telephone call without voice execution, with the possibility of receiving a text message of the type -SMS- at the beginning of the paging without the possibility of a written response or returning a message, with the only possibility of rejecting or accepting the specific incoming call

After that the call center (Ts) selects and activates a free telephone device of a certain use which starts to call the unique device (Ti) of the bank account holder. The processor (4) through the electrical conductor (a5) as it is bidirectionally bridged with the telephone exchange (Ts), activates a timer that measures the duration of the telephone call in progress, based on the program (3) in which it is registered.

• The above procedure is characterized as response time, up to the time between the start time of the call to the single-signal device (Ti) and the predicted (by the program -3-) end of it, if no reason arises to forcefully reject the call from the single-signal device device (The). Regarding the issue of response time, there will be a relevant report.

If the call is not rejected by the owner of the one-way device (T) and is left to the interactive system, the activated timer momentarily disconnects the exchange (Ts) telephone link with the one-way device (T) and the processor (4) maintains the switch (S2) out of operation phase, figures -2- and -4-,

However, if the incoming call is rejected by the owner of the unique device (Ti) before the timer completes the prescribed operating time. then the application of the interactive program is canceled (with the timer returning to standby mode), while the processor (4) sets in phase the switch (S2) of figure -16- which through the conductor (a6) transfers the approved command to "withdraw money" towards the final stage of execution.

Note: If the approved withdrawal order refers to a teller machine, then the funds will be received through the transaction teller.

If an approved order to withdraw money refers to an ATM, then the next stages of operation (after the end of the interactive system) are performed by the rest of the ATM's devices, in summary such as the money supply unit, the cash distribution unit, the advance mechanism of cash and delivery, receipt printer, and many other mechanisms until the money is withdrawn from the slot (mc) to the ATM console, figures -5-, -6-, -7-, -8-, -16 - and -21-,

Additional Identification and Confirmation Protocols.

When the call center (Ts) calls the unique device (Ti) of the legitimate cardholder (SmC), confirmation protocols are developed with the recipient the special reader (Sr) through the pipeline (C4), on the one hand to identify the authenticity of the number of calling the unique device (Ti), on the one hand to confirm whether the forced call was executed. Following this, the degree of security in the interactive system increases, due to the development of protocols as follows:

A. Confirmation protocol for identification of the called telephone number (from the Ts telephone exchange), with the original unique telephone number of the mobile device (Тn), registered in the Central Processor (CE)

B. Confirmation protocol for making the execution of the imposed call to the mobile device of unique operation (Tn).

Regarding the confirmation protocol of the case -A-, the identification of the called telephone number with the (registered) number of the mobile device of unique function (Ti), is performed by the special reader (Sr) before the end of the call, bypassing the stored data of the credit card, as the authenticity of the calling number belonging to the mobile unique device (T) in question is identified only with that of the central processor (CE) and not with that of the "smart" credit card (SmC), even though it is the authentic one.

If there is no match between the two coded multi-digit numbers, then the special reader (Sr) interrupts the program of each interactive withholding system and the credit card (SmC), after -X- repetitions.

Regarding the confirmation protocol of case -B-, regarding the establishment (or not) of the call from the telephone exchange (Ts) to the single-signal mobile device (Ti), each activation of the telephone exchange is notified to the reader (Sr) through the electronic pipeline (C4) in real time when the call is being made. In the event that the special reader (Sr) does not receive such information about the start of the telephone connection, then again it interrupts the operation of each program of the interactive system.

After this, the reader (Sr), in addition to the constant cross-checking of the card data (SmC) with those of the central processor (CE), is also responsible for cross-checking the call number, as well as the information about the realization (or not) of the phone call.

Conclusion: The confirmation protocols -A- and -B- were created to challenge the authenticity of the smart credit card (SmC), until proven otherwise, which in addition to the CPU has ROM, RAM, and EEPROM memory for app and data storage. It is an integrated micro-processor PC continuously evolving and electrically powered by the reader (Sr). In the near future we may implant an application on the card with additional elements not initially recognizable and readable by the reader (Sr), located in "hypnosis" in a latent state and in an electronic "shadow" with the possibility of awakening them and applying them after reading the usual of basic elements and is the reason why the card (SmC) must be challenged continuously in every use, until proven otherwise.

Therefore, the confirmation protocols -A- and -B- exclude any possibility of electronic insertion of commands and data, beyond those already stored in the card's memory (SmC).

Card Account activation via device to use checkout.

Inside the shell (8) of the "Interactive 1" device figures -4- and -9-, the four aforementioned basic operating units are placed, accompanied (electronically) by the communication protocol that allows their connection to the remote Central Processor (CE ) of the banking group.

The interactive device in question is placed outside (on the verge) of the cash register to the right or left of it (figures -14- and -15-) and is intended only for cardholders who have accepted to use an interactive system for securing their bank account. When the device is in standby mode, the credit card is inserted into the slot of the reader (Cr) and the device prompts through the screen (Sc) to enter the secret number -PIN- (as in the conventional ATM).

Once the code number -PIN- is entered, the bank account is activated with all the customer's details which (for account security reasons) are only displayed on the checkout screen. As soon as the button labeled "Withdraw money" has been pressed on the "Interactive1" cash register, the Central Server (CS) already activated by the reader (Cr) has transferred the request to the remote Central Processor (CE) which through of the intersection of the elements, rejects or approves the command of the processor (4) regarding the activation of the telephone exchange (Ts) of the cash register "lnteractive-1". If no intermediate problem occurs, then the exchange (Ts) activates and engages a free-line telephone device, calling the credit card holder's single-use mobile device (Ts).

The interactive self-cancellation system (on both devices) is interlocked with the call center (Ts) which uses a registered dedicated call number and serves only the interactive system.

The activation of the call center (Ts) is strictly dependent on the command of the processor (4) controlled by the card reader (Cr), the Server (CS) and the intersection of the elements of the central Processor (CE), without dialogue provision and without incoming call is accepted. The telephone connection of the cash register device "lnteractive-1" and the cash withdrawal ATM "lnteractive-2" on the other hand with the phone number of the one-way function device (T) of the legal holder of the credit card, is a permanent operation that is performed strictly and only with processor command (4) with a call confirmation report to the originator (Cr) and always before executing a withdrawal.

As long as the Central Processor (CE) does not reject the execution of the telephone call between the call center device (Ts) and the single sign-on device (Ti) of the cardholder (SmC), the pairing time is a few seconds.

"The on-site transaction with the cashier, allows participation in the position of the user of the lnteractive-1 device, the existence of" a trusted person to the bank account holder (as in the ATM) when the holder (for reasons of force majeure) must be absent Thus, during the incoming call to the unique device (T) of the cardholder, the responsibility for managing the decision to choose one or the other program using the mobile device (T) rests with the account holder and not the user".

Note: The location of the telephone device with a fixed-use dialing number assigned by the call center (Ts) is at the discretion of the manufacturer of the ATM machines with an interactive security system and the scientific service of the financial institutions if it will be inside the -ATM -, or in a suitably configured call center of mass devices of certain use to cover a large number of automatic cash withdrawal ATM machines.

Required response time to a telephone connection.

As necessary as a safe system of keeping and managing the money for which an invention was designed is considered, the more important is the time tolerance that such an interactive system as the proposed one must achieve in its execution and application, even though the calculable time in paper test, it is satisfactory.

Under the current evolution of radio technology, the geographic area of a cell in which a mobile telephone device to be searched or a paging device as in the case of a single-use device (T1) can be located momentarily and under the worst roaming conditions of one or the other device, the required time until the first ringing (tr) of the mobile single-signal device (Ti) of figures -19- and -24- (in its connection with an interactive teller device lnteractive-1 or an interactive ATM Interactive 2), does not exceed 10 " seconds. This speed is possible with a great possibility of improvement in time reduction, which is of course due to the powerful microprocessors available in the field of modern radio telecommunications, which processors tuned to a certain program, perform millions of calculations per second.

Of particular interest is the limited response time in the execution of one of the two basic commands of the invention, and especially the command to "withdraw money", always in relation to the required response time provided by the program (3) of the invention (of the interactive system) on self-cancellation of the incoming order.

The extra time consumed is in the number or duration of rings (tr) that must be performed whenever a bank account happens to be attacked, which is when the program must function as an "interactive withdrawal order self-cancellation system".

The duration of the rings (tr) of an incoming call e.g. from the "Interactive2" ATM to the unique device (Ti) until its acceptance or rejection, must provide the legal cardholder with the time to change the program from "Interactive Self-Cancellation of Order" to "Withdrawal Order". This is performed by using the key (T) as shown in figures -20- and -25- and then the switch (S2) of the processor (4) is set in the -on- phase, figures -3- and -16-,

From the moment the processor (4) activates the call center (Ts) of an interactive ATM or an interactive cash register device until the moment of changing the program to an order to "withdraw money" (at the initiative of the called party through the unique device), the minimum response time is 10<”>seconds and the maximum time is 14<”>seconds.

Although the actual approval time of the "withdraw money" order does not exceed 12<”>seconds, however a special category of people such as people with reduced mobility, the system program foresees an increase in the time to 20" seconds in order for them to have time to perform the transition from one program to another. Conversely, if the owner of the single-signal device lets the -ATM- deal with the illegal "withdraw money" command interactively, then once the four-ring time has elapsed (perhaps with 14 <">), the processor (4) sets the switch (S2) out of phase -off- with the conductor (a6) being switched off, figures -2-, -5-, -8- and -21-, with resulting in the interactive self-cancellation of the "withdraw money" command.

The prevention of a hack on bank accounts (following a stranger attack) which was chosen to be performed automatically through an interactive system, is due to the degree of surprise that occurs to each individual when one realizes that his/her device is receiving a call from an unaccompanied robotic device reason.

Contrary to the use of the interactive system to deal with such an intrusion to an owner whose bank account is under attack, as soon as the indication "INCRUSION PREVENTION" appears on his mobile screen figure -24-, he leaves the technology of the machine to deal with the attacker with automatic activation of the interactive system. without rejecting the incoming phone call himself.

An additional reason why an interactive system was chosen to deal with a hack on a bank account with a phone call (from an interactive ATM or an interactive teller device) to the unique device (T) of the cardholder and potential victim of the hack is that while the center (Ts) starts calling him to inform him about an intrusion that is developing in real time. the single-use device (Ti) is out of order for technical reasons.

In the event that the call center (Ts) calls a single-use device that is out of order or a mobile phone that is in communication with another device, then the processor (4) that measures the start time of the center's operation (Ts) through the conduit (a5) and as 12" seconds have elapsed since its initiation, the interactive system operates automatically and prevents the intrusion.

Withdraw money from -ATM- with interactive activation with a one-way device. Case -1-.

The legal owner of the credit card and the unique device (T) is at the interactive ATM for the purpose of withdrawing money, but he knows that the interactive-2 system will call him on his mobile device when it is activated.

As the unique device (Ti) begins to sound the first ring (tr), the time that will have elapsed since the key (2) that activates the interactive system on the console of the ATM in question is pressed, will be of the order of 9 seconds and before the legitimate user hears the second ring, he already presses the button (No) on his device (T) to reject the incoming call (usually a red button as in older mobile phones) and interrupts the call as shown in figure -20- adding a total time of 12 seconds, even if the user has some degree of disability.

Therefore if the rejection of an incoming call is performed between the start of the first ring on the single-signal device (Ti) and before the end of the fourth, the processor (4) activates the command to "withdraw money" by setting the switch (S2) in the -ON phase - in a time of 12 seconds, shapes -3- and -16-. The electrical network (a6) after the switch (S2) leads the command (to withdraw money) to the last stage, that of entering the amount up to the extraction of the money from the box (mc). "So if the time between entering the indicated amount and extracting the money from the slot (mc) is defined as time - X -, then the total time needed by the interactive ATM from the rejection of the incoming call to the extraction of the money is equal to 12<">+ -X- seconds".

Withdrawing Money or rejecting an order from an Interactive -ATM- using the credit card from an A' or B' relative. Case -2-.

The bank account holder gives (for service) his credit card to a member of his family on the condition that a short time before the activation of the interactive ATM, a missed call is sent to his mobile phone (as a reminder) that a few minutes later the mobile of the single-use device (Ti), will be called by the ATM so that the incoming call marked "INCRUSION PREVENTION" will be converted into a "Withdraw Money" command, formats from -21- to -26-.

The fact that the legal owner is hundreds of kilometers away, as well as the fact that the credit card will occasionally be handled by another member of his family, does not render him powerless for any change in his decision up to the last moment. As he waits on his mobile phone (Mt) for the pre-arranged missed call from the mobile phone (Mt-1) of the relative who owns the credit card figure -26-, he finds that the call from the call center (Ts) to the wireless device precedes unambiguous use (Ti) marked "INCRUSION PREVENTION" and as it has no information about what has happened, it lets the call go to the Interactive Self-Cancellation System for security reasons, figure -24-. In such a case and until the parties concerned communicate, however many times the unknown Hacker attempts to activate a bank account that does not belong to him (even if no card is held), the order will be canceled by the account owner as many times . through the single-use device.

Interactive self-cancellation of withdrawal using a single-use device in the face of external intrusion. Case -3-.

It is an act that at least in the past until recently has happened countless times with the remote attacks of hackers via PC against bank accounts and looting untold amounts.

Such an attack against the present interactive system of protection of bank deposits, acquires particular importance as the event due to the structure of the invention will be transmitted in real time of execution to three terminals with different functions of responsibility:

· To the owner of the bank account with the activation of the one-way operation device. who will contact the bank.

• To the central administration of the financial institution.

• To the financial crime police department.

· In the service of cybercrime... after these maybe compel a Hacker not to attempt it.

The innovation of this invention, in addition to the mode of operation and the high degree of security it provides for keeping deposits and withdrawing money, also contributes significantly to the formation of a new social fabric as it contributes to the disclosure of criminal acts that may otherwise remain undetected.

The result of the operation of this system, such as the prevention of attempts to breach bank accounts and in particular the disclosure of these criminal acts that are recorded even on the unique device (T) of the directly affected person in real time, are unsurpassed testimony and are the reason that obliges the institutions of a society to establish mechanisms of fairer social management starting from the institution of "Citizen Protection" as well as in the search for innovative ideas that can contribute to the improvement of human services.

There are known cases of copying of credit cards, as well as taking pictures of PIN codes while using automatic teller machines.

The above is the tangible example of how the only degree of security, as indeed is the code -PIN- in some cases proves to be powerless to safeguard bank deposits in their entirety. While this is of course of more general importance, the prevailing opinion is that it is considered the Achilles heel of the banking system. In this case by reproducing a valid original card into a copy. all the copier will achieve is to subject the ATM to the test of being connected by phone and continuously to a depositor's fluorescently used mobile device.

For these reasons, the invention in question enables every bank account and credit card holder to participate actively and even remotely through his own presence through his electronic signature in the management of his finances.

Claims (7)

1. A credit card and deposit withdrawal order self-cancellation system with interactive activation of a single-use wireless device, applicable to bank teller systems such as automatic teller machines (ATMs) as well as teller bank machines, characterized in that the illegal self-cancellation system command consists of four basic electronic/electromechanical units, such as the credit card reader unit (Cr) after the card reading software (SmC), the screen (Sc1 ) on the frame (M1), the number plate (1) and of the keyboard (PU) to transfer the commands on the one hand to the screen (Sc1 ) and on the other the electrical conductors (a1) to (a7) using both the switches (S1), (S2) and (S3) and from two confirmation protocols elements. From the unit with the operating program (3) after the processor (4) on the electrical circuit board (7), as well as from the telephone exchange unit (Ts) that manages a registered dialing number of a certain use for telephone connection between the self-cancellation system command with the single-use (T) wireless device of each bank deposit holder using this interactive security system, to secure the bank account. Also from the fact that the making of a telephone call ordered by the program (3) and carried out by the telephone exchange (Ts) to a called telephone number or a number of different numbers in 24-hour use, are carried out (indirectly or directly) only to and from wireless paging devices unambiguous use such as the device (Ti) continuously active and in a waiting position for an incoming call to accept or reject it, as well as from the fact that through said unambiguous use device (Ti) the system of self-cancellation of an illegal command and dealing with attacks with the interactive activation of the single-use device in real time. 2. Credit card and deposit self-cancellation system with interactive activation of single-use wireless device, applicable to bank teller systems such as automatic teller machines (ATMs) as well as bank teller machines, consisting of four basic electronic / electromechanical units according to claim -1-, it is characterized by the fact that the telephone center (Ts) of the self-cancellation system of illegal command in each telephone call to each single-use paging device (Ti) simultaneously transmits a coded phrase with the characterization of the immediate risk of attack to a bank account, which is decoded by the device (T) and is displayed in full on its screen for as long as the phone call lasts. 3. Self-cancelling credit card and deposit withdrawal order system with interactive activation of single-use wireless device, applicable to bank teller systems such as automatic teller machines (ATMs) as well as teller machines, consisting of four basic electronic/electromechanical units according to claim -1- and characterized by the participation and activation of the single-use mobile device (T) by the call center (Ts) of the illegal order self-cancellation system, the program (3) becomes practical through the single-use device (T) that by using the key (No) the user manages the final choice of the result, between the program of withdrawing money, or rejecting the phone call through the automatic activation of the interactive system in real time, as the request for withdrawal money comes from an attacker. 4. A self-cancelling credit card and deposit withdrawal order system with interactive activation of a single-use wireless device applicable to bank teller systems such as automatic teller machines (ATMs) as well as teller bank machines consisting of four basic electronic/electromechanical units in accordance with claim -1- and is characterized by the fact that said system for self-cancellation of an illegal order to withdraw money is built into an interactive device placed on the bank's cash desk, consisting of the shell (8) that encloses and includes all four basic units using the switches (S1) and (S2) for the operation of the interactive system, such as the display screen (Sc1) of the commands, the number table (1) and the keyboard (PU), as well as the key (5) to extract the card, after the special reader (Cr) for card identification to activate the bank account m only by using the bank electronic card (SmC). 5. A system for self-cancellation of a credit card and deposit order by interactive activation of a single-use wireless device, applicable to bank teller systems such as automatic teller machines (ATMs), also built into an interactive device placed on a teller counter in accordance with claim - 4- and is characterized by the fact that the system in question of self-cancellation of an illegal order cooperating with conventional automatic cash withdrawal machines by definition using a card, is built into an interactive ATM of advanced technology for selecting a program using the switches (S1) and (S2), while with participation of the keys (2) and (6) after and the switch (S3) is configured in a dual function interactive ATM. 6. A self-cancelling credit card and deposit withdrawal instruction system with interactive activation of a single-use wireless device, applicable to bank teller systems such as automatic teller machines (ATMs) as well as teller bank machines consisting of four basic electronic/electromechanical units after the data confirmation protocols -A- and -B- according to claim -1- and is characterized by the fact that the data confirmation protocol of case -A- for identifying the called telephone number with the (registered) number of the single-use mobile device (The ) in the central Processor (CE), is performed by the special reader (Sr) before the end of the telephone call, while the data confirmation protocol of case -B- checks whether the telephone call was made by the telephone exchange (Ts), in case of a different result than expected, each protocol e confirmation separately, crashes the system. 7. Self-cancelling credit card and deposit withdrawal order system with interactive activation of single-use wireless device, applicable to bank teller systems such as automatic teller machines (ATMs) as well as teller bank machines consisting of four basic electronic/electromechanical units, also of the two confirmation protocols -A- and -B- upon notification and the reader (Sr) according to claims -1- and -6-, and is characterized in that the activation of the call center (Ts) strictly depends on the command of the processor (4) controlled by the card reader (Cr), the Server (CS) and the intersection of elements of the central Processor (CE), without dialog provision and without accepting an incoming call.