JP2006216001A - Card security system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable the holder of a card issued by a bank and a credit company being card issuing companies to minimize any financial damage due to e loss/theft of a card or the card crime of the use of a skimmed counterfeit card. <P>SOLUTION: This card security system is provided with a means for enabling a card holder to simultaneously notify whole banks and whole credit companies being card issuing companies only by reporting the minimum information of the card user when finding out the loss/theft of a card, and confirming whether or not a skimmed counterfeit card has been used and a means for enabling the card issuing company which has received the notification to quickly process the suspension of the use of the card. Thus, it is possible to minimize the financial damage of the card holder due to the card crime, and to prevent any card crime before happens by providing a means for preventing the counterfeit card from being used by adding scramble codes or using encryption codes to passwords according to the selection and designation of the card holder. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention is based on a card crime by quickly processing the injunction of the card itself when a personal authentication card such as a cash card or a credit card issued by a bank or a credit sales company is lost or stolen or when using a skimmed counterfeit card. The present invention relates to a card security system that prevents financial damage.

  In recent years, more than 200 million personal authentication cards called cash cards and credit cards issued by banks and credit sales companies have been issued in Japan, and they have been lost, stolen and skimmed to steal card information. Many crimes involving the use of counterfeit cards have become a major social problem.

  If a cardholder finds a card lost or stolen, it must be notified to each card issuer bank, credit sales company, etc. A cardholder with a single card must be very troublesome. In other words, if the time between the loss or theft of the card and the notification of the discovery is delayed, the financial damage to the cardholder will increase, and even if the forged card is used by skimming, a large amount of money will be banked without the cardholder himself or herself being aware. It is often withdrawn using ATMs, etc., and the card issuer bank, credit sales company is also lost, there is no means to identify whether it is a stolen card or a skimmed forged card, so all monetary damage is a card The fact is that it is treated as the owner's own negligence. Even if a card is lost or stolen, there is no way to contact the bank that is the card issuer or the credit card company during the night outside business hours. Recently, ATMs and other cash withdrawal machines are available 24 hours a day. As a result, the cardholder's financial damage will be further increased.

  If the cardholder is convinced that his / her card has been lost, stolen, or a counterfeit card has been used, quickly notify the card issuer bank, credit card company and police using simple means. It is to provide a card security system that can prevent cardholders from suffering financial damage by performing card injunction processing and reporting damages.

  In order to solve the above-mentioned problems, the card holder can usually use the card issued by registering personal information such as name, date of birth, telephone number, address, etc. with the bank or credit sales company that is the card issuing company. However, if the cardholder suspends the use of the card due to loss, theft, etc., the card issuer must carry out an individual procedure, and the card number etc. will be written on the card. In many cases, it is rare to remember or write down information. In addition, the notification to the police etc. must be handled by the cardholder himself, and it can be said that the mental burden on the cardholder is considerable. Therefore, a card security center is set up on the Internet website, and the card issuer can enter the name, date of birth, and phone number, etc., which are the minimum information of the cardholder in a conversation format using a mobile phone or personal computer. If you notify all banks and credit card companies, etc. even at midnight, you can search for customer information such as card number and customer information from the customer database held by the card issuer. It is possible for the cardholder to quickly handle the injunction of a lost or stolen card, preventing the crime of withdrawing another person's money from an ATM using the card of another person, and receiving the cardholder. Damage can be kept to a minimum. All financial institutions, including credit sales companies, have lost and stolen the card security center based on the minimum name, date of birth, and telephone number information notified by the cardholder in reporting the damage to the police. By reporting to the center computer, information such as the card customer number can be obtained, so it is possible to quickly report damage by transferring it to the police center computer together with information such as the card company and card customer number. Is. In other words, it is possible to notify the police of information and damage reports that are the key to criminal detection, which is useful for arresting criminals.

  Next, when the card holder issues a card from a card issuing company such as a bank or a credit sales company, the card holder registers including the card type held in the card security center. When registering, even if cash is withdrawn from the cardholder's account using a lost or stolen card or skimmed counterfeit card by paying the registration insurance fee to the Card Security Center Since it is a member, it is possible to minimize considerable monetary damage, if not the total amount of damage received. In addition, when the cardholder reports to the Card Security Center, the lost and stolen information is instantly transferred to all financial institutions including credit sales companies and police center computers even at midnight, and ATMs at financial institutions' windows Since it is possible to identify a criminal who withdraws cash from another person's account using a card that has been lost or stolen using a card and skimmed and counterfeited card, the identified person can be expanded with a surveillance camera installed at a normal bank or other window It can also be copied, and in the daytime, a guard or police officer can be dispatched quickly to help arrest the criminal.

  Next, there are two types of cards issued by card issuers, especially bank cards, the old type and the new type. In the old type, a four-digit PIN is stored and stored in the magnetic stripe attached to the card. In the new type, it is known that the personal identification number is stored and stored in the center computer, and the personal identification number is not stored and stored in the magnetic stripe of the card. In other words, since the PIN code is not written on the magnetic stripe of the new type card, even if it is skimmed, it cannot be used at bank ATMs even if a counterfeit card is created, but the old type card is PIN code on the magnetic stripe. Since the number is written, the password is easily identified when skimming, so a counterfeit card can be created and cash can be easily withdrawn from another person's account at a bank ATM. The operation panel of the touch panel type that operates the ATM of the bank is equipped with a display menu for operation, mainly the numbers for specifying the PIN number and amount and the Katakana or Hiragana for specifying the bank to transfer to. Has a function that can be used. Regardless of the old or new type of card, the card issuer notifies the cardholder in advance of a one-character scramble code that allows the cardholder to specify either the number installed in the ATM or the katakana or hiragana in addition to the four-digit password. The specified character code is identified and stored in the customer database of the center computer. This designated character code is managed not by writing to the magnetic stripe of the card but by storing and storing it in the center computer, so a criminal who tries to withdraw cash using a skimmed counterfeit card has a basic 4-digit password. Even if it is determined, the last scramble code is managed by the center computer for both the old and new cards and is not authenticated as a personal identification number. As a result, cash cannot be withdrawn from the ATM. Even if the cardholder is an elderly person, it can be stored if it is a one-character scramble code other than a four-digit password, or if the card issuer changes the input and management of a one-character scramble code. Since the cost burden can be reduced, it is possible to prevent card crimes such as the loss or theft of a card by a simple method and withdrawal of another person's cash by a skimmed counterfeit card by ATM or the like.

  Next, in addition to the method of adding one character of the scramble code, the password can be automatically changed every day or every hour according to the designation of the cardholder. In this method, the password number incremented by +1 is valid, and the password number decremented by −1 to the original password number is valid on an odd day or an odd time. Multiple combinations such as ± 2 and ± 3 are prepared and the cardholder specifies at his / her own discretion. The specified encryption type is not written in the magnetic stripe of the card, but in the customer database of the card computer of the card issuing company. If you register and store, even if you use a skimmed counterfeit card, the code type changes every day or every hour and the encryption type that is the key code is not discriminated. Since it is not authenticated, other people's cash cannot be easily withdrawn from ATMs. It is a card security system that has the feature that it is possible to prevent card crimes in a simple manner that is easy to understand and memorize.

  According to the card security system of the present invention, all the banks that are card issuing companies by notifying the Card Security Center of the name, date of birth and telephone number, etc., which are the minimum personal information in case of card loss and theft, Notify the credit sales company, promptly prevent the card crime by withdrawing cash from ATMs etc. of the card by using the card injunction process, and at the center computer of the card issuer using a scramble code or encryption other than the 4-digit PIN It is a provision of a card security system that can almost completely prevent lost crimes and card crimes caused by skimmed counterfeit cards by management, and minimize the financial damage of the cardholder.

  An embodiment of the card security system of the present invention will be described with reference to FIGS. In the present embodiment, FIG. 1 is a network configuration diagram of a card security system. A personal computer 10 connected to the Internet owned by the cardholder. A mobile phone or regular phone 20 owned by the cardholder. A card security center 30 provided on a web site on the Internet. Insurance company 40 that compensates the cardholder for financial damage. Center computer 50 of all banks that are card issuers. Center computer 60 of all credit sales companies that are card issuing companies. Police center computer 70 for notifying damage reports. It has ATM 80 which is a cash withdrawal machine of a bank which is a card issuing company and a credit sales company.

  Next, FIG. 2 is a state diagram showing a method for preventing a card crime by using a counterfeit card due to loss or theft of a card and skimming by adding a scramble code to the password of the card. A general card 100 equipped with a magnetic stripe issued by a card issuing company. 110 shows a state in which customer data and a personal identification number are recorded on the magnetic stripe. 120 shows a state where a scramble code is added to the personal identification number. It has 130 which shows the state which registers the scramble code selected and specified by the customer in the center computer of the card issuing company.

  Next, FIG. 3 shows a method for preventing a card crime by using a counterfeit card due to loss or theft of a card or skimming by changing the card PIN code every day or every time depending on the encryption type by the cardholder's selection designation. FIG. A general card 150 equipped with a magnetic stripe issued by a card issuing company. 160 shows a state in which customer data and a personal identification number are recorded on the magnetic stripe. 170 shows a state of selecting and specifying the encryption type of the personal identification number. 180 indicates a state in which the encryption type selected and designated by the customer is registered in the center computer of the card issuing company.

An example of the above-described card security system according to the embodiment of the present invention will be described.
When a card holder obtains a card by registering with a card issuing company such as the bank 50 or the credit sales company 60 in FIG. The card security center 30 pays an insurance fee for each cardholder to the insurance company 40 at the time of registration. When the cardholder finds out that the cardholder has lost or stolen the card and cash is withdrawn from the cardholder's account with a forged card, the cardholder uses the personal computer 10 or the mobile phone 20 to go to the card security center 30. Report the minimum information such as name, date of birth, and phone number. The card security center 30 reports and reports card loss / theft information all at once to the center computer of all banks 50 and the center computer of all credit sales companies 60 which are card issuing companies. When the center computer of all banks 50 and all credit sales companies 60 that received the report notification searches the customer database from the cardholder information and authenticates that it is a cardholder with an account and a transaction, the necessary part from the customer database Is taken out and notified to the card security center 30, and the card holder's card cannot be used at ATM quickly. Upon receiving the notification, the card security center 30 collects information such as name, date of birth, telephone number, address, date of loss theft, card company name, card type, etc. as cardholder information, and reports the loss to the center computer of the police 70. Report notification as damage report. The bank 50 and the credit sales company 60 that have transactions with the cardholder who has received the notification of the report of loss and theft monitor the card use transaction status from the ATM 80, which is a cash withdrawal machine, and receive the notification notification. If found, it is useful for arresting the criminal by identifying the person who used the card with the surveillance camera placed near ATM80 together with the report to the guards and police and leaving the evidence. The cardholder pays the registration insurance fee when registering with the card security center 30. Even if cash is withdrawn from the cardholder's own account by using a forged card due to lost theft or skimming, the damage amount due to the insurance purchase The insurance company 40 can compensate for the cardholder's financial damage.

  Next, when a 4-digit password is recorded in the customer data 110 written on the magnetic stripe of the card 100 of FIG. 2, is the password easily identified when skimming? When the cardholder uses his / her card, he / she selects the part 120 as one of the numbers, hiragana and katakana as specified by the cardholder and registers it as a scramble code in the center computer of the card issuing company 130. Specify one character added to. Lost / stolen and skimmed counterfeited card users are not able to identify the PIN because the last character is not recorded in the magnetic stripe of the card 100, so it is not safe to withdraw cash from the cardholder's account. Because the number is not authenticated, cash cannot be withdrawn.

  Next, when a 4-digit password is recorded in the customer data 160 written on the magnetic stripe of the card 150 in FIG. 3, the password can be easily found when skimming. If it is an even day or an even time, the PIN number incremented by 1 is valid, and if it is an odd day or an odd time, the PIN number minus 1 is valid. When the cardholder designates multiple types of encryption codes 170 such as ± 2 ± 3 and registers them as the encryption code 170 in the center computer of the card issuing company 180, and the cardholder uses his / her card Specify a 4-digit valid PIN that varies from day to day or time. A forged card user who has lost or stolen the card is not known as a PIN because the encryption code 170 is not recorded on the magnetic stripe of the card 150, so that the PIN may be used to withdraw cash from the cardholder's account. Because it is not authenticated, cash cannot be withdrawn.

  According to the card security system of the present invention, the card holder has means for notifying all the card issuing companies of the minimum information of the card holder at the same time in the discovery of use of a forged card that has been lost or stolen. By quickly registering the card, the card issuance is prevented by registering the scramble code or encryption code specified by the card holder in the center computer of the card issuer. It can be used in areas where the financial damage to the person is kept to a minimum.

  It is a network block diagram of the card security system of this invention.   FIG. 3 is a state diagram of a card crime prevention method using a scramble code of the card security system of the present invention.   It is a state diagram of a card crime prevention method using an encryption code of the card security system of the present invention.

Explanation of symbols

10 ... PC, 20 ... mobile phone, 30 ... card security center, 40 ... insurance company, 50 ... all bank center computer, 60 ... all credit sales company center computer, 70 ... Police center computer, 80 ... ATM, 100 ... card, 110 ... magnetic stripe data state diagram, 120 ... scramble code, 130 ... card issuing company center computer, 150 ... card, 160 ... magnetic stripe data state diagram, 170 ... encryption code, 180 ... card issuing company center computer.

Claims (4)

  A card security center is set up on the Internet website, and the cardholder is notified of the card holder's loss or theft when the cardholder is lost or stolen. It has a means to quickly handle card injunction by notifying all card issuers even in the middle of the night, which is outside the business hours of the card issuer, just by notifying the card security center using a personal computer etc. Card security system.   A method to compensate the cardholder's financial damage due to card crime in case of card loss and the use of counterfeit card due to skimming by registering the insurance fee at the card security center at the time of card acquisition Having card security system.   The card can be used with the basic four-digit password by registering a single digit such as numbers, katakana, hiragana, etc. that can be specified by the cardholder in addition to the four-digit password on the card issuer's center computer as a scramble code. A card security system having means that can prevent card crimes caused by theft and loss of cards and card crimes caused by using forged cards due to skimming.   By registering multiple encryption types that can be specified by the cardholder for the 4 digits of the card code in the center computer of the card issuing company, the code number differs every day or every hour, so the basic 4 digit code number The card security system has means that can prevent card crimes caused by theft and loss of cards and card crimes caused by the use of counterfeit cards due to skimming.

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