JPS58144969A - Preventing method of wrong use of magnetic card - Google Patents

Abstract

PURPOSE:To prevent the wrong use due to leakage of a key code, by storing only general information on a magnetic card and inputting the key code peculiar to a user into a center computer by the user himself and collating an inputted key code with said key code each time the magnetic card is used. CONSTITUTION:When the user proposes opening of an account through a part (a), the account number is determined in a part A, and his seal is registered in a part (B), and a bankbook is generated in a part C1 and is issued by a part C2. Separately, when he proposes a cash card through a part (b), the card is generated in a part D, and general information such as a bank code number and the account number are stored on the magnetic stripe and are registered to the center computer by a part E, and the card is ejected by a part C, and information in the center computer and general information are checked in a part F. Next, the user himself sets the key code through a part (d) and registers it to the center computer by a part G and receives the card through a part (e) after confirming the correct registering by a part H. The key code is known only by him and is not recorded on the card. Thus, the wrong use due to leakage of the key code and the forgery of the card is prevented.

Description

[Detailed description of the invention] This book II*A relates to a method for preventing unauthorized use of magnetic cards.

As the use of magnetic cards such as Kinto, Cage cards, and Turret cards became widespread, crimes such as counterfeiting and misuse of cards began to occur.

Financial 411111 Jllll card issued on 41
Inside the company, the number of major crimes is on the rise, with the information necessary for #i magnetic card 0 counterfeiting being taken care of by the MOWs in charge.

Seventy examples will be explained below. A magnetic arrangement medium such as a carriage λ card (formed in the shape of a stripe and called a stripe) is used.

The issuer code number, card holder number, security code, etc. are magnetically recorded as need information.

The issuer's internal investigation revealed that card counterfeiting is a relatively serious issue. In other words, it is easy to erase a card owned by the forger by placing it in a magnetic recording device to erase his or her own need information, and then use the device to magnetically place the need information on the card of another person who is attempting to forge it. ``Forgery can be carried out.

The purpose of the present invention is to eliminate the drawbacks of the conventional method #1, and in order to achieve the above object, the present inventor has conducted extensive research and developed a center combiator that is written on a magnetic card. The user uses the magnetic card based on the KM Kamasuru tool Zar Takeshi information and the user-specific information that is not recorded on the magnetic card but is directly returned to the center combinator using the registration machine. shi, 3rd l#3
--Zm- The heading circle indicates that unauthorized use of magnetic cards is prevented because no information can be obtained.

In other words, in the present invention, the user's general information is registered to the center combiator, the user's general information is magnetically recorded on a magnetic card, and then the user himself directly registers the user-specific information to the center combiator using the registration machine. I went back to
When a user uses the above magnetic card, the user applies the magnetic card to the terminal of the center combiner and inputs the user's facility information known to the user into the terminal. The center computer compares the input information entered into the center combinator through the terminal with the registration information registered in step 1 above, and when the image information matches, it determines that the card is normal. A method for preventing unauthorized use of magnetic cards, which is characterized by making it possible to use them! It is a spear.

In the present invention, examples of the magnetic card include the commonly used Nagoya Island card, credit card, etc., which can magnetically store general information. For example, in the case of a bank card, the general information indicates the bank ID number, branch code number, deposit account number, etc., and the user zone information indicates the personal identification number.

The present invention K) is magnetically arranged on the 1llI card! -f--41111 is also used as a printer, but a normal combination machine used in an online system such as a bank may be used as the robot. In this combination, the users themselves use the registration machine to directly register information about Nizaen. As a result, user-specific information cannot be obtained by anyone other than the user, and even if a third party can obtain general information and forge an 11-ki card, the third party will be unable to obtain the user's information. Since it is not possible to know the actual information, it is impossible to normally communicate with the center combinator using the magnetic card, and unauthorized use of the magnetic card can be prevented.

In the present invention, the registration machine is a device that registers user-specific information in the combiator, and the terminal of the a, t* center combiator is, for example, a bank's automatic teller machine. The above-mentioned climbing Ila may be used alone as a device, or it may be a companion device by adding a climbing function to the above-mentioned terminal, but the afo case is more practical in terms of cost.

An embodiment of the present invention will be described below based on the drawings.

Method 1 of preventing unauthorized use of the present invention O1 & Qi card as described above
The explanation will be given by taking as an example the case where the system is used in a bank as shown in FIGS. 1 and 112. The first wJ shows the process from opening an account at a bank KsI to registering at a bank center combiator and issuing a cashier card. Step 11: Applying for opening an account with Company A. Step 11: Determining the account number.
．． La Seal Receipt 7 Aisu Il-Cs is the craft that prepares the passbook, and C's is the craft that issues the passbook.1. b is the application process for card issuance; The process of threatening to go to the bank center combination, the process of receiving power from the CA card, r is 1 fraud to confirm the card 3-Ichibo Ichiryo 1 and the bank center combination, - TA OUmW 櫨. .

d. Using the G-Hiroto Bank machine to register the PIN number as unique information on the bank to the bank operator I! ,
II Tsujihata Gyoryu Intercombi Tamer: L-Z Ikkyou Arisuga Il is correctly tatami-bukuro to confirm whether it is a friend or not, @ indicates the process of receiving the card, respectively.

28th exemplifies a check 11 for withdrawing cash using the Ochu Yashi card issued as O above.

2nd ml 'P # a' a Dragon Y Tar combination, -
Inserting the Cage Island card into a cash machine as a p-0 terminal 1. Input the form 1llIEII and the payout amount. IA reads the general information of Aether.
, I'm sure I'm sure! ”, the factory that calls the RA Bank Center Convenitor (MP is the magnetic card user-mWm and needs m-existing information, the OII certificate number is registered in the bank center convenitor, and the nine snow report and one D' is the step of discharging cash and cards for caddy when the above information matches. gl is the step of discharging money and cashing cards when the above information matches. gl is when the payout amount is less than l! The process of discharging the Cage-O card, r is the factory that ejects the Cage-O card when the entered PIN number is different from the PIN number stored in the bank center computer, G' is the process of discharging the Cage-O card twice. After death 3
Similarly, the boxes indicate the steps of capturing the Cage Island card without ejecting it and generating an alarm within the bank if the PIN numbers do not match. Hemlock, figures 1 and 2
In the figure, 1 to 1 and a' to C' indicate the steps carried out by the needles, and M to G and M' to G' indicate the processes carried out by the bank. With the method described above, when issuing a Nakayasshi book card, the user's unique information (II honorary number) is not written on the card issuance application form, and the needs are met without recording the 4 magnetic fields on the card for cashiers. Since the customer can register at the bank center, it is impossible to obtain customer-specific information even if the customer is inside the bank.

However, there may be some problems when using the Catch-o card according to the above-mentioned method, but if you do the following, it will not become an interlayer.

If a person forgets their PIN number (1) Bring your passbook and seal to a bank counter, open a new account, issue a new card, and cancel your outgoing account.

(If the 21(1)0 method is inconvenient, use the following method to notify the user of the PIN number.

Bring your passbook, stamp, card, driver's license, and other identification documents to the bank counter, and enter #! If the responsible supervisor at the bank confirms that the person is the same person, the user will be allowed to use the PIN verification terminal (SO), which can only be used by the user, and the user will directly contact the p center operator using the card to confirm the PIN number. In this case, a personal identification judgment by the person in charge on the bank side is required.

Even at present, this method is effective because even a third party can pay out money if a bankbook or seal is brought and there is no notification of invalidation due to theft or the like.

凰 Center Convenience Store Information Management (1) Even when searching the needs list list, only the ``PIN code'' can be displayed on the Hiro display and cannot be displayed on the printer.

(2) If all information including the PIN number is required, only the person in charge at the bank can view it (in this case, 5--
(Although a third party other than the person responsible for the incident may have seen the information, there is no problem in recording it as a specific third party is responsible for the incident.)

As explained above, according to the method of the present invention, the 5-user information is not written on the magnetic card and is only registered at the center convenience store (the user registers it himself). Therefore, it is not possible to read the information from a magnetic card, and it is possible to forge a magnetic card and create a similar magnetic card.Also, it is possible for Aeser Unique Information Company users to directly return to the center convenience store. In this case, even if someone is inside the company, they cannot obtain the information shared by the third @ sister Aeser and cannot have normal communication with the center convenitor, so it is impossible to prevent unauthorized use of the magnetic card. can.

[Brief explanation of drawings]

Figure 1 and Figure 2 show an example of an embodiment of the method of the present invention.
It is l1llI.

Claims (1)

[Claims] Returning needs-one general information to a center combination printer,
Aeser's general information is recorded on a magnetic card, and Ryo 1 & Nizuichi themselves use the machine to register the information directly for the center combination, and Aeser uses the above magnetic card. edge. Apply the magnetic card to the terminal of the center computer, input the information known only to Needs to the terminal/end chain, and send it to the terminal through the terminal. The input information entered on the computer and the information already registered above! The above-mentioned center combinator compares the above-mentioned mother information with the above-mentioned image information, and only when the above-mentioned image information matches, the above-mentioned magnetic card can be used properly. Prevention measures.