JPS5815819B2 - Card Novel Information - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to an identity verification system in, for example, automatic teller machines, automatic deposit machines, etc. of banks.

For example, banks have recently started using automatic transaction equipment, such as automatic teller machines, automatic teller machines, etc., for reasons such as labor saving, expanding services for users, adopting a five-day work week, using overtime, streamlining management, and reducing administrative work. has been developed and put into practical use.

Since this type of device uses cards to conduct transactions, it is necessary to determine whether the person using the card is the true card owner.

Therefore, two types of identification verification methods are being considered: a terminal check method and a center check method.

First, determination in the terminal check method is performed as follows.

Conventionally, the customer's identity verification card 1 records a bank code, account number, and an invisible PIN number (usually a 4-digit number), and this identity verification card 1 is inserted into a terminal, such as an automatic teller machine 2. At that time, the password is read and stored along with the account number and the like by a card reading device (not shown) installed on the plane.

On the other hand, the cardholder has the PIN number of his/her card memorized in advance, and the customer sets the PIN number into the machine using a number digitizer provided on the machine's operation panel.

Then, the machine reads card 1 based on the set number.
Checks the correspondence with the PIN number read and stored from the machine, that is, whether or not they match, and only if there is a match, it is determined that the user of the card is the correct card owner, and the machine service is not used. is now possible.

A specific example of the terminal check method described above will be described in detail based on FIGS. 1 to 3.

First, the customer inserts the identity verification card 1 into the automatic cash payment [2 (7) card slot 3].

Then, the inserted card 1 is once taken into the machine, and the information (bank code, account number, password, etc.) is read by the reading device to determine whether or not the card is appropriate.

The suitability of this card relates to matters such as whether the card is for the automatic deposit system of the bank where the money is to be used, and whether the card is within its expiration date.

If the card is correct as a result of the above judgment, an instruction to set the card number appears in the operation procedure display window 5.

Therefore, the person who wishes to withdraw the deposit uses the digit register 6 to set the personal identification number that the depositor has memorized in advance.

Then, this set PIN number is compared with the number stored by reading the PIN number magnetically recorded on Card 1, and if the two match, it is determined that the user of the card is the correct owner of the card. An instruction to specify the amount will appear on the display window 5.

Therefore, the person who wishes to withdraw the deposit specifies the desired amount by pressing the button on the digit register 6 again.

Then, the desired cash is dispensed to the cash receiving lower.

Therefore, when a person who wants to withdraw a deposit removes the cash sent out from the cash receiving lower, a signal emitted upon detection of the removal of cash causes the card 1 that has been taken into the machine to be inserted into the card. It will come out from entrance 3, so pull it out.

Then, it detects that card 1 has been removed, issues a signal, and resets the entire machine.

On the other hand, determination in the center check method is performed as follows.

A personal identification number is not recorded on the customer's identity verification card 1'.

A card reading device (not shown) is installed in the terminal, for example, the automatic teller machine 2, and a password corresponding to the account number of the card is stored in advance in the computer 4 at the center.

Then, the customer inserts the identification verification card into the automatic teller machine 2 and sets the number memorized by the card owner in advance using a number digitizer provided on the operation panel of the machine.

Then, the computer at the center checks the correspondence between the PIN number corresponding to the account number of the inserted card 1' and the number set by the customer, and the result is sent to the automatic teller machine 2. Only when a match is found, the user of the card is determined to be the correct card owner, and the machine's services are used.

However, in the former method, since the personal identification number is written on the identification verification card 1, if the customer loses or has the identification card stolen, there is a risk that the personal identification number will be read by the other party and used fraudulently.

Furthermore, even if the password is written in code, a highly intelligent criminal cannot prevent this from happening.

On the other hand, in the latter method, the terminal 2 communicates with the center's computer (not shown) via a communication line, so communication between the terminal and the center is required each time the customer presses the wrong password. There were disadvantages such as an increased burden on the center's computers, and at the same time, the line became more exclusive, increasing the waiting time for other equipment.

The present invention was created in view of the above circumstances, and its purpose is to make it safe from crime even if a customer loses or has his or her identity verification card stolen, and to reduce the burden on the computer at the center. The purpose of this paper is to provide an identity verification method that can reduce the number of lines and the degree of exclusive use of the line.

An embodiment of the present invention will be described below with reference to FIGS. 4 to 6.

In the figure, 10 is an identity verification card, and this identity verification card 1
In addition to the bank code and account number, the PIN number (usually a 4-digit number is used) known to the cardholder in advance is not written directly on the magnetically coated surface 10a of the 0. Record number 1 changed to related method
1 is magnetically recorded.

(See Figures 4 and 5) For example, if the PIN number is 1234, the total of the 4 digits is 1+2+3+4-
10, the lowest number "'0" is recorded in the record number field of the identification verification card 10 as the record number 11.

The terminal is a terminal, for example, an automatic teller machine, and inside this machine there is a reading device (not shown) for reading the bank code, account number, record number 11, etc. written on the card 10, and a reading device (not shown) that reads the bank code, account number, record number 11, etc. written on the card 10, and A digit register 13 is provided for setting the known password into the machine.

Furthermore, 1A is a computer at the center that stores a file recording the bank code of the card 10, the account number, the PIN number corresponding to the account number, etc., and the computer 1A is connected to the terminal and the communication line 15... are connected by

(See FIG. 6) Next, the operation of the present invention based on the above configuration will be explained.

First, when a customer inserts the identification verification card 10 into a terminal, that is, an automatic teller machine 12, the card reader reads the bank code, account number, and record number 11 recorded on the card 10, that is, the number 0 shown in the previous example. It will be done.

On the other hand, the customer uses the digitizer 13 to set a previously known password, for example 1234 as shown in the previous example.

At this time, if the lowest digit of the entered total does not match the record number 11 of the card 10, that is, "0", the automatic teller machine 12 determines that there is a mismatch and instructs the machine to re-enter the PIN number. .

Now, if the record number of the card 10 and the lowest digit of the entered total match in the automatic teller machine 12, the account number of the card 10 is sent to the computer U at the center via the communication line 15. Based on the information transmitted and recorded in the file of the center 14, whether or not the PIN number corresponding to the account number, for example 1234, matches the PIN number 1234 entered by the customer in the digit register 13; In other words, the cardholder's true identity is Chetsu.

will be removed.

Then, only when the correspondence relationship is established, the center 1A determines that the card user is the correct card holder and gives permission for the transaction to the automatic teller machine 11.

Therefore, unless the record number of the card inserted by the customer and the lowest digit of the matched total value do not match, it is possible to immediately notify the customer by emitting a signal of mismatch within the terminal.

An embodiment of the present invention temporarily checks whether the PIN number set by the customer and the record number recorded on the card match a predetermined relationship method in the terminal,
When a correspondence is established as a result of the check, the account number of the card 10 is transmitted to a computer 14 at the center via a communication line, and the full-fledged correspondence is checked based on information recorded in the center's file.

When a match is found as a result of the check, the card user is determined to be the correct card holder and the transaction is performed. However, this is not necessarily the case; A buffer for storing the number may be provided, and when the account number of the card 10 is read and sent to the computer 1A at the center, the password corresponding to the account number may be stored in the buffer of the terminal.

By taking such a measure, the full-fledged correspondence check that is performed within the center's files can be moved to the terminal, which has the advantage of further reducing the exclusive use of the center.

Furthermore, in one embodiment of the present invention, the method of writing the total of a four-digit PIN number on a card was explained as an example, but for example, each number of 1234 may be multiplied by a different constant and summed, or Various modifications may be made without departing from the gist of the present invention, such as combining the lowest numerical values.

Furthermore, although one embodiment of the present invention has been described using a card for identity verification, the present invention is not limited to this, and the cards used in the present invention include passbooks and the like used for identity verification. It is something that

As explained above, the present invention temporarily checks, in a terminal, the correspondence between the PIN number entered by the customer and the card record number read by the reader of the terminal, and determines whether the PIN number corresponds to a predetermined relationship method. Only then can the account number be transmitted to the center's computer via a communication line and the authenticity of the cardholder checked by the information recorded in the center's files or by the account number sent to the center. The original information is stored in a buffer attached to the terminal, and the authenticity of the cardholder is checked within the terminal. If a match is found, the card user is determined to be the true cardholder and the transaction is sent to the customer. The feature is that the service is made possible.

Therefore, it is possible to reduce the burden on the center's computers and communication lines, and it also has excellent effects such as ensuring safety against loss or theft of the identification verification card.

[Brief explanation of the drawing]

Figure 1 is a schematic front view showing a conventional terminal, Figure 2 is a schematic plan view of a digit register showing the main parts of the terminal, Figure 3 is a block diagram showing the same conventional configuration, Figure 4 is a A schematic plan view of an identity verification card showing an embodiment of the present invention, the fifth quotient is a diagram showing the information recorded on the magnetic coating surface of the card, and FIG. 6 is a diagram of the connection state between the terminal and the center. . 11...Terminal, U...Center, 1
1...Record number, 10...Card, 1
3... Number machine.

Claims (1)

[Claims] 1. In devices that detect the authenticity of the cardholder through a center connected to the terminal and permit the use of the device, the customer's personal identification number is processed in advance by a predetermined calculation and the number of digits is lower than that of the customer's personal identification number. Equipped with a card on which an account number is recorded, a reader for reading the record number and account number recorded on the card, and a terminal having a digit digitizer for entering a personal identification number known to the customer in advance. , the customer performs a predetermined calculation on the PIN number set in the digit register to obtain data with fewer digits than the PIN number, and uses the terminal to determine the correspondence between this data and the record number read by the reader. When a correspondence is established as a result of this check, the entered PIN and account number are transmitted to the center, and the correspondence between the PIN and the information recorded at the center and accessed by the PIN is determined. A card identity verification method characterized by checking the authenticity of a card holder through inspection.