JPH045227B2 - - Google Patents

Description

[Detailed Description of the Invention] Background of the Invention The present invention relates to a personal verification device that uses a personal identification number to determine whether the person in question is legitimately qualified, such as an automatic teller machine installed in a financial institution such as a bank. This invention relates to a personal verification device using a card, which is applied to transaction processing devices such as the above, and credit system terminals installed in stores.

When performing payment transactions, checking balances, etc. using the above-mentioned transaction processing device, the identity of the person is verified by checking whether the four-digit number entered by the key matches the PIN number written on the card. It's summery. In order not to forget your four-digit PIN, familiar numbers such as your phone number, date of birth, and car number are often repurposed. Therefore, if the card is lost or stolen, there is a risk that someone else who has obtained the card will look up the card's owner's familiar number and misuse the card. I mean,
In the current system, it is possible to rekey a PIN up to six times, and it is established that if the cardholder's familiar number is keyed in one after another, it will match the PIN written on the card. This is because it is high.

SUMMARY OF THE INVENTION The present invention provides a personal verification device that minimizes the risk of a card being misused by another person.

This invention is based on the premise that in addition to an individual's correct personal identification number (true personal identification number), a false personal identification number (false personal identification number) is registered in advance to prevent misuse of the card. As a fake PIN, set a number that is likely to be used if someone else tries to misuse it, a phone number familiar to the card holder as mentioned above, date of birth, car plate number, etc. is preferred. The number of fake PIN numbers to be registered may be not only one but multiple types. The true PIN number and false PIN number may be recorded on the card, or may be stored in the memory of a center such as a transaction processing device in association with the account number or credit card number.

The personal verification device according to the present invention includes a means for inputting a PIN number, a means for comparing the input PIN number with a stored true PIN number, and determining that the PIN number is valid if they match; It is characterized by comprising means for comparing the stored false PIN number and determining that the PIN number is invalid if they match.

If a person other than the person in question without proper qualifications enters the same number as a registered false PIN, that person will be immediately determined to be an unauthorized person, and the transaction will be canceled, the card collected, and the person in charge Since measures such as calling the card are taken, misuse of the card is prevented.

DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments in which the present invention is applied to personal verification in an automatic transaction processing device will be described in detail.

Figure 1 shows an automated teller machine (hereafter simply
The figure shows the appearance of an ATM. As is well known, the customer operation panel of an ATM 1 includes a card insertion slot 2, a passbook insertion slot 3, a cash discharge slot 4, a cash input/return slot 5, and a information display (CRT).
6, a function key 7, a numeric keypad 8 for inputting a password or other numerical information, and a handling display 9 are provided.

FIG. 2 shows the internal configuration of the ATM 1.
The ATM 1 is controlled by a central processing unit (hereinafter referred to as CPU) 11 equipped with a memory 12 . CPU
Reference numeral 11 includes a card reader and its control circuit 14 for reading data magnetically recorded on a card, a slip issuing machine and its control circuit 15 for printing transaction data on a journal that serves as a receipt and copy to be issued to a customer, and a payment transaction. A banknote dispensing machine and its control circuit 16 which feeds, counts and carries out the banknotes of the amount to be paid from a storage box, a banknote take-in machine and its control circuit 17 which distinguishes, counts and accepts deposited banknotes in a deposit transaction, and a bankbook. a passbook printing machine that prints transaction data and its control circuit 18; an in-service display 9 and its control circuit 19; a keyboard including function keys 7 and numeric keys 8 and its control circuit 20; a CRT 6 and its control circuit 21; A power supply control circuit 22 and a transmission control circuit 13 that controls communication with a control sensor (not shown) are connected. The memory 12 stores execution programs for transaction processing and various transaction data.

FIG. 3 shows the data format of the magnetic card. The card includes bank number, branch number,
In addition to normal data such as account numbers, one true PIN, two false PINs, and a validity code are magnetically recorded.

FIG. 4 shows an area provided in the memory 12 of the ATM 1 for storing data regarding cards. A place M1 stores the card data read from the card, a place M2 stores the key-input password, and the card data format and bank number are checked to determine whether the accepted card is normal or abnormal and stored. A place M3 to store the key-input PIN and one of the false PINs in the card data, and a place M4 to remember whether the key-input PIN is a true PIN or a fake PIN. A location M5 is provided to store the non-match.

FIG. 5 shows the process of verifying the identity of the user by checking the card when making a transaction such as making a payment or inquiring the balance at the ATM 1. When the card is inserted by the customer (step 31), the card data is read by the card reader and
It is stored in memory location M1 of memory 12 (step 32). It is determined whether the accepted card is normal or abnormal by checking the format of the card data, bank number, etc., and the result is stored in the location M3 in the memory 12 (step 33). If the card is abnormal, the card is returned (step 48) and the process ends. If it is normal, a message to input the password is displayed on the CRT 6, and the input password is read and stored in the location M2 in the memory 12 (step 34). The key-input password for location M2 is compared with the true password in the card data for location M1 (step 35). If both passwords match, the card check process ends. Since the person who inserted the card and keyed in the PIN number is a legitimate customer, the process proceeds to the next stage of transaction processing (for example, keying in the amount in the case of a payment transaction), and the specified transaction is performed. (Step 40).

If the keyed-in password does not match the true password, the two false passwords in the card data are read from the memory location M1 of the memory 12 and compared with the keyed-in password (step 36). If the keyed-in password matches any false password, it is determined that the card is being used illegally. 2 is written as the validity code of the card (a card with a validity code of 2 can no longer be used) (step 41) and the memory 12 is placed in the location M
4, the fact that the false PIN number matches is memorized (step 4).
42), the card is collected or returned (step
43). Depending on the data at location M4, an attendant call light is turned on or an alarm is generated.

If the key-input PIN number does not match either the true or false PIN number in the card data, this fact is stored in the memory 12 at location M5 (step 37), and if the PIN code is key-input for the third time. (Step 38) You can rekey the PIN code up to three times. If it is the third time, the CRT 6 will display a message asking the customer to enter the PIN again, so the customer will input the PIN again, and this will be read and similarly written to location M2 in the memory 12 (Step 39). . The process then returns to step 35 described above.

If the key input of the password has already been repeated three times, the validity code is incremented by 1 (step 44). If the validity code is 2, the card can no longer be used. If the validity code is 1 (step 45), the card is returned (step 45).
47), end. If the validity code is 2, the card is collected or returned (step 46);
finish.

In this way, when entering a PIN number for identity verification, if a number familiar to the card owner is entered in an attempt to misuse the card, if that number is written on the card as a false PIN number, the transaction will be unsuccessful. Therefore, the risk that the card will be misused and a transaction will be completed is reduced.

In the above embodiment, the true PIN number and the false PIN number are recorded on the card, but these numbers may also be stored in the customer information file at the center in correspondence with the account number. In this case, the PIN number keyed in from the transaction terminal is transmitted to the center together with card data including the account number, so that the PIN code check process can be performed at the center.

[Brief explanation of drawings]

Fig. 1 is a perspective view showing the external appearance of the transaction processing device, Fig. 2 is a block diagram showing the internal configuration of the transaction processing device, Fig. 3 is a diagram showing the data format of the magnetic card, and Fig. 4 is a diagram showing the data format in the memory. FIG. 5 is a flowchart showing the card check processing procedure. 1...Transaction processing device, 2...Card insertion slot, 8
...Numeric keypad, 11...CPU, 12...Memory.

Claims (1)

[Claims] 1. Means for inputting a PIN; Means for comparing the input PIN with a stored true PIN and determining that the PIN is valid if they match; A personal verification device comprising means for comparing a false PIN number with a false PIN number and determining that the PIN number is invalid if they match. 2 A personal verification device using a card, in which a true PIN number and one or more false PIN numbers are stored in advance on the card, and card data including these PIN numbers is read by a card reader. , a personal verification device according to claim 1, wherein the personal verification device stores in a memory. 3 A personal verification device using a card, in which an identification number is recorded in advance on the card, a true PIN and one or more false PINs are stored in memory in correspondence with the identification number, and the card is 2. The personal verification device according to claim 1, wherein card data including an identification number is read by a reader, and a true PIN number and a false PIN number are read from a memory using the read identification number. 4. The personal verification device according to claim 2 or 3, wherein the memory is a memory of a terminal equipped with the input means and a card reader. 5. The personal verification device according to claim 3, wherein the memory is a memory of a central control unit to which a terminal device including the input means and a card reader is connected via a transmission line. 6. The personal verification device according to claim 1, which generates an alarm when it is determined to be inappropriate.