JPH1021354A - Device and method for preventing card illegal usage - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a device and method for preventing card illegal usage in which safety can be improved. SOLUTION: This device is composed of a data reading part 23 which reads data recorded in a stripe and data recorded in an emboss, collating part 11 which collates the data read by the data reading part 23 with a database 14, and authenticity processing part 27 which discriminates the authenticity of a card 51 from the result collated by the collating part 11, and stops the transaction when it is illegal.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an apparatus and a method for preventing cards such as credit cards and cash cards from being illegally used.

[0002]

2. Description of the Related Art FIGS. 3 and 4 show an example of a conventionally known credit card, cash card and the like. 3 and 4, the card 51 is made of a plastic material, and has a tape-shaped magnetic stripe 52 and an embossed character 53 on a surface thereof. Here, the magnetic stripe 52 is formed by coating a thin film of a ferromagnetic material on the card 51, and data is digitally recorded here. On the other hand, the emboss 53 is formed by engraving a number or a character for personal identification such as a member number.

In a device using the card 51, for example, an automatic teller machine, when the card 51 is inserted, the information recorded on the magnetic stripe 52 of the card 51 is read and the password entered by the customer is read. Determine the authenticity by comparing with the number. Here, if correct, the emboss 53 is copied onto the transaction recording paper, the contents of the transaction are printed, and necessary processing such as cash payment is performed. On the other hand, if incorrect, return it.

[0004]

In the above-described conventional card transaction apparatus, the information recorded on the magnetic stripe 52 of the card 51 is compared with the password entered by the customer to judge the authenticity. Had established a deal. That is, there was no function for determining the authenticity of the card itself. Therefore, there is a drawback that if a card in which the same magnetic stripe data as that of the user is written on another card is prepared and a correct password is entered, an illegal transaction will be made.

The present invention has been made in view of the above problems, and an object of the present invention is to provide an apparatus and a method for preventing unauthorized use of a card which can improve security.

[0006]

In order to achieve the above object, the present invention is characterized in that the following technical means are taken as a card unauthorized use prevention device. That is, in a card improper use prevention device in a card transaction machine that performs transactions using a card provided with a stripe and an emboss, data read from the data recorded on the stripe and data read from the emboss are respectively read. Reading means, means for comparing the data read by the data reading means with a database, means for judging the authenticity of the card from the result of the comparison by the matching means, and means for stopping the transaction in the case of fraud. Is provided.

In order to achieve the above object, the present invention is characterized in that the following technical means are taken as a method for preventing unauthorized use of a card. That is, in a method for preventing unauthorized use of a card in a card transaction machine that performs a transaction using a card provided with a stripe and an emboss, the data recorded on the stripe and the data recorded on the emboss are read, respectively. Each of the read data is collated with a database to determine the authenticity, and when the card is determined to be a proper card, use is permitted.

According to the present invention, since the authenticity of the card itself is determined in addition to checking the data in the card stripe, even if the stripe data is simply rewritten and illegally used, the embossed data is also checked. If you do not use it.

[0009]

FIG. 1 is a schematic block diagram of a card reading / transaction system shown as one embodiment of the present invention. In FIG. 1, the card reading / transaction system includes:
It is mainly composed of a host computer 10 and a card reading / transaction apparatus 20. The host computer 10 includes a collating unit 11, a terminal communication unit 12, and an external storage device 13. On the other hand, the card reading / transaction apparatus 20 includes a stripe reading section 21 and an emboss reading section 2.
2, a card reading unit 23, an emboss data storage unit 24, a host communication unit 25, an emboss data transmission processing unit 26, and a true / false processing unit 27. The unit 25 is connected to the terminal communication unit 12 of the host computer 10 online.

FIG. 2 is a flowchart showing an example of a card processing procedure in the card reading / transaction apparatus 20. The operation of the card 51 having the magnetic stripe 52 and the emboss 53 shown in FIGS. 3 and 4 will now be described with reference to FIG. In FIG. 2, the card 51
Is inserted into the card reader / transaction apparatus 20 (step S1), the stripe reader 21 reads information on the magnetic stripe 52 of the card 51, and the emboss reader 22 reads information on the emboss 53 of the card 51 (step S1). S2, S3). Here, the read data is stored in the emboss data storage unit 24 and edited by the emboss data transmission processing unit 26.
The data is transmitted together with the stripe data to the terminal communication unit 12 of the host computer 10 (step S4).

On the other hand, in the host computer 10, when the terminal communication section 12 receives the stripe data and the emboss data, the collation section 11 uses the database 14 stored in the external storage device 13 to store the stripe data and the emboss data. Collation is performed (step S5). The result of this collation is transmitted to the terminal communication unit 1 of the host computer 10.
2 is transmitted to the card reading / transaction apparatus 20 via the host communication unit 25 (step S6).

When the card reader / transaction device 20 receives the collation result, the authenticity processor 27 performs a process according to the collation result (step S7). In other words, if there is no fraud, the execution of the transaction is instructed, and if it is fraud, the transaction is stopped.

Therefore, according to this system, not only the data in the stripe 52 of the card 51 but also the data in the emboss 53 are checked.
It is also possible to judge the authenticity of the card itself.

[0014]

As described above, according to the present invention, in addition to checking the data in the card stripe,
Since the authenticity of the card itself is also determined, it is possible to prevent the stripe data from being simply rewritten and illegally used, thereby improving security.

[Brief description of the drawings]

FIG. 1 is a schematic block diagram of a device of the present invention.

FIG. 2 is a flowchart showing an example of a card processing procedure of the apparatus of the present invention.

FIG. 3 is a plan view showing an example of a card.

FIG. 4 is a side view showing an example of a card.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Host computer 11 Collation part 12 Terminal communication part 13 External storage device 14 Database 20 Card reading / transaction apparatus 21 Stripe reading part 22 Emboss reading part 23 Card reading part 24 Emboss data storage part 25 Host communication part 26 Emboss data transmission processing part 27 Truth processing unit 51 Card 52 Magnetic stripe 53 Emboss

Claims (2)

[Claims] 1. A card illegal use preventing device in a card transaction machine for performing a transaction using a card provided with a stripe and an emboss, wherein the data recorded in the stripe and the data recorded in the emboss are exchanged. A data reading unit to be read, a unit for comparing the data read by the data reading unit with a database, and determining whether the card is authentic based on a result of the comparison by the comparison unit. Means for preventing unauthorized use of a card. 2. A method for preventing unauthorized use of a card in a card transaction machine for performing a transaction using a card provided with a stripe and an emboss, wherein the data recorded in the stripe and the data recorded in the emboss are combined. A method for preventing unauthorized use of a card, wherein each of the read data is checked against a database to determine whether the card is authentic or not, and when the card is determined to be appropriate, use is permitted.