JPS5899878A - Preventing system for card illegal use - Google Patents

Abstract

PURPOSE:To prevent illegal use of a magnetic card, by providing not only a magnetic stripe but also a converting information body having information regarding a converting mode recorded in this magnetic stripe, on the magnetic card. CONSTITUTION:When a card is inserted into a card receiving port of a device, a card carrying part 15 carries the card to a magnetic stripe reader part 12. On the other hand, when a user has keyed in a code number, this key-in number is stored in a memroy 16. At this state, the reader part 12 reads information recorded in a magnetic stripe, also reads a magnetizing direction by a converting information part 13, and stores each of them in the memory 16. Subsequently, in which magnetizing direction the read contents exist is decided, and they are worked to a corresponding system. Thenafter the code number stored in the card is calculated from each system. Subsequently, at the stage where calculation of the code number has ended, its number is compared with the code number by key-in, which has been stored in the memory 16, and in case of coincidence, cash payment processing, etc. are executed continuously.

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a card fraud prevention system for preventing fraudulent use, forgery, etc. of magnetic cards used in computer terminals and the like.

In banks and the like, most of the operations for customers are carried out using computer-based on-life systems, and most financial institutions use card systems for payment operations. That is.

A magnetic card with magnetic information recorded to identify the user is inserted into a computer terminal device and recognized by the computer, and after determining that the use of the magnetic card is legitimate, payments, settlements, etc. Go and do it.

By the way, the magnetic stripe is provided with a magnetic stripe, and information such as the user's account number and password is recorded thereon. When the user inserts this card into a cash dispensing machine and enters a predetermined PIN using the numeric keypad provided on the cash dispensing machine, this PIN and the registered PIN recorded on the card are transferred to the terminal. The money is checked by the machine, and when a match is found, the contents of the passbook recorded in the online center are referred to, and the payment within the balance is made from the cash dispensing machine. In this way, as long as the PIN number recorded on the magnetic card and the PIN number keyed into the terminal device match, the payment will be made regardless of whether or not the name of the person requesting payment is the person in question. .

It is easy to read the magnetic information on a magnetic card, and if the card is stolen or otherwise handed over to another person, there is a risk that the card will be misused by the other person. To prevent such situations, it is usually not possible to record PIN numbers, etc. on the magnetic stripe in a simple format.However, after converting the PIN number, etc. data into a data format that cannot be easily decoded by scrambling, etc. It is recorded.

However, even if such a method is adopted, is there a risk that it will be deciphered by someone who has been involved in computer work in the past? ,Also. It is also possible to record new magnetic information on the magnetic stripe, so if you magnetically record an arbitrary PIN number etc. on someone else's guard in a format that matches the bank's scrambling method,
This has the disadvantage that cards can be counterfeited relatively easily.

The purpose of the present invention is to solve the above-mentioned problems in the conventional type.
In the card fraud prevention system, a conversion information carrier is provided on the magnetic card separately from the magnetic stripe and has information on the conversion mode of the information recorded on the magnetic stripe, for example, the scram rig parameters, and the information in the conversion information carrier is Based on the concept of inversely converting the information on the magnetic stripe and decoding it using a predetermined conversion mode, by making it possible to adopt multiple types of conversion modes, WfR such as PIN numbers from magnetic cards, etc. The objective is to prevent unauthorized use of magnetic cards by making counterfeiting more difficult.

The present invention will be explained in detail below with reference to the drawings.

FIG. 1 is a plan view showing an example of a magnetic card according to the present invention. The card l has a business card shape made of resin such as plastic, and has a magnetic stripe 2 along its longitudinal direction.
'Account number, password, etc. are magnetically recorded on the fertilization stripe 2 as in the past. Furthermore, a conversion information body 3, which is a feature of the present invention, is provided within the card l.

The example shown here is an example using a magnetic material, which is magnetized in any direction among n directions (n is arbitrary), and the magnetized direction becomes one piece of information. For example.

If the information recorded on the magnetic stripe 2 is a scrambling method that changes a function, 1, for example, A method,
A plurality of methods are set in advance, such as method B, etc., and the magnetization direction is made to correspond to each of the plurality of methods (if there are four methods, the direction of magnetization is The direction is 4 directions at 90 degree intervals.Also, in the case of changing the parameter information of the scrambling, it is sufficient to set the magnetization direction according to the multiple 'parameters.Furthermore, in the case of changing the checksum digit, it is sufficient to set the magnetization direction according to the multiple 'parameters. The magnetization direction can be set according to the conversion digit of I have to do more.

FIG. 2 is a diagram 7122 showing an example of the decoding device of the present invention that performs code verification using the card shown in FIG.

The example shown in FIG. 2 assumes a terminal such as a cash dispensing machine used in a financial institution such as a bank. Further, the magnetization directions of the conversion information carrier 3 in the card are in four directions. The decoding device has a central processing unit (CPU) 10 at its core, and is connected to a plurality of human-powered devices and output devices via a path line 11. That is, the human-powered device detects the magnetic stripe 2 of card l.
The magnetic stripe reader part 12 reads the recorded information content with a magnetic head, shapes the waveform into a digital signal, and outputs it, reads the direction of magnetization of the conversion information carrier 3 of the card 1, and determines the direction using a binary signal. These include a conversion information reader part 13a, tab that outputs the information, and a human-powered device 14 that translates the personal identification number and transaction amount keyed in by the card user into machine language and outputs the translated data as data. on the other hand.

The output device transports the card inserted into the card slot by the user to the magnetic head section of the magnetic Z drive reader 12 for reading, or transfers the card to the panel surface of the device after payment processing is completed. Return card transport section 1
5, and although the illustration is omitted, there is also a human-powered device 14.
It includes a device that counts the bills for the specified payment amount via the device and conveys them to the panel surface of the device, as well as a printer that prints out the payment amount and balance. The Hasline 11 also stores control programs for the CPU 10 to execute a series of processes such as password verification, card transportation, information decoding, online information exchange with the center, denomination discrimination, and payment bill transportation. Read-only tongue-(R
A memory 16 consisting of a random access memory (RAM) that temporarily stores data from each human-powered device, calculation results and judgment results in the CPU10, etc.
is connected. Note that although the path line 11 is originally divided into a data bus and an address bus, for convenience of explanation in FIG. Detector 21 using a resistive element, Hall IC, etc. It consists of an amplifier 22 for amplifying the output signal of the detector 21 and a level detection circuit 23 for determining and discriminating the polarity of the output signal of the amplifier 22. Second
In the figure, the members constituting the conversion information section 13a include a
, and the members constituting the conversion information section 13b are marked with b.

When a magnetoresistive element is used for the detector 21, the magnetic bias By is applied by attaching a permanent magnet to the surface as shown in Fig. 3.
By applying this in a 45 degree direction, it is possible to obtain an electric signal corresponding to the magnetic field 210 in a direction perpendicular to this bias direction. Therefore, as shown in the plan view shown in FIG. 4, such elements 21a and 21b may be arranged in parallel on the magnetic card conveyance path with different bias directions (instead of being arranged in parallel, they may be arranged oppositely under the cart). good). Note that even when a Hall IC is used for the detector 21, the arrangement is the same, but no magnetic bias is required. An example of the characteristics of a magnetoresistive element is shown in FIG. This characteristic indicates the output level when the bias direction is set to 0 degrees and a magnetic field is applied in the θ degree direction counterclockwise.

It can be seen that the output level changes depending on the direction of the received magnetic field.

The output signal of the detector 21 is amplified to a predetermined value by an amplifier 22 and then sent to a level detection circuit 23. The detailed circuit of the bell detection circuit 23 is as shown in FIG. A DC positive voltage VCC is applied through a resistor 233, the output voltage of the resistor 233 is applied to an inverting terminal of the operational amplifier 232 through a resistor 234, and a resistor 235 is connected between the inverting terminal and ground. With this configuration, as shown in FIG. 7, when the human input signal (output signal of the amplifier 22) is positive, an output signal appears in the operational amplifier 231, and when the human input signal is negative, an output signal appears in the operational amplifier 232. Therefore, from a portion of one conversion information reader, two of the magnetization directions recorded on the card can be identified, and the entire device shown in Figure 2 can identify four directions. For example, if the magnetization direction of the conversion information carrier 3 provided on the card 1 can be set in four directions: 45', 135°, and 225'':315°, there are four corresponding scrambling methods. As shown in the table below, a personal identification number (SNO) can be scrambled with an account number to form a password, and the scrambling method can be changed depending on the direction of magnetization to record it on the magnetic stripe. The memory 16 stores whether the magnet is magnetized in the previous mode and uses it as a determination indicator when reading. In this way, by being able to select n types of scrambling methods (which can be arbitrarily determined by the number of magnetization directions), reliability can be improved by more than n times that of the conventional method.

FIG. 18 is a flowchart showing an example of processing by CPU10. First, by inserting the card 1 into the card receiving slot of the device, the card transport section 15 transports the card 1 to the magnetic stripe reader part 12. On the other hand, the user keys in his/her personal identification number, and this key-in number is stored in the memory 16. - At this stage, in step 81, the magnetic stripe reader part 12 reads the information recorded on the magnetic stripe 2 of the card l, and in step 82, the conversion information part 13 reads the magnetization direction shown in FIG. 16. It is determined in steps 83, 84, 85, and 86 which magnetization direction the content read in step 82 corresponds to (the number of such steps is required to correspond to the magnetization direction!). In other words, if the above-mentioned scrambling method is used, as shown in the table,
In step 83, it is determined whether mode A is selected, and in step 84
Then, mode C1 step 85 and mode D are determined in mode C1 step 86, respectively, and steps 87 and 88 are performed.

89 and 90 in the appropriate manner. Thereafter, in step 91, the personal identification number recorded on the card 1 is calculated from each method. Note that steps 83 to 86
If it cannot be determined in any of the above, it will be determined that the conversion method is not the one being used, and the cash payment process will not be executed, and a message indicating that the card cannot be used will be displayed on the device panel and the card will not be used. Return it to the owner and lock it. When the second calculation of the password in step 91 is completed, the number is compared with the key-in password stored in the memory 15 in step 92, and if they match, cash payment processing etc. are continued. On the other hand, if there is a mismatch, a message such as "Press the password again to F" is displayed.

As described above, according to the present invention, it is possible to improve prevention of unauthorized use and forgery of magnetic cards, and improve reliability.

In addition, in the explanation above 5, the explanation was given using a cash dispenser as an example.
The present invention is not limited to this, and is applicable to all systems that require identification of users using cards.

Further, in the above-mentioned embodiment, only an example was shown in which the conversion information carrier provided on the card is made of a magnetic material and the direction of magnetization is determined, but the present invention can be realized by attaching physical features other than magnetic stripes to the card. Since it is possible to realize it, the example is
It is also possible to apply a coating with punch holes and change the scrambling method depending on the code, or it is also possible to coat a plurality of magnets, arrange them, and embed them. In short, any format may be used as long as the conversion information can be set with multiple contents.

[Brief explanation of the drawing]

FIG. 1 is a plan view showing an example of a magnetic card according to the present invention, FIG. 2 is a block diagram showing an example of a decoding device according to the present invention,
FIG. 3 is an explanatory diagram of magnetization direction detection when a magnetoresistive element is used in the detector 21 according to the present invention, FIG. 4 is a diagram showing the arrangement of the detection elements of the detector 21, and FIG. The output characteristic diagram of the magnetoresistive element, FIG. 6 is a detailed circuit diagram of the level detection circuit 23 according to the present invention, and FIG. 7 is the level detection circuit 2.
FIG. 8 is a flowchart showing an example of computer processing according to the present invention. l...Card, 2...Magnetic stripe, 3
...Conversion information body, 10...CPU, 11...
・/<S, F-in, 12...Part of magnetic stripe reader, 13a, 18b=...Part of conversion information reader,
14106 Human power device, device 15...Card transport unit, 16...Memory, 21a, 2l
b--Detector, 22a. 22b...Amplifier, 23a, 23b...Level detection circuit. 1171 Figure 2 Figure 3 Figure 4 Figure 2 Figure 5. o to m rrom Figure 6 Figure 7

Claims (1)

[Claims] A card is provided with a magnetic strip, a live record, in which specific information converted into a predetermined conversion mode is recorded, and a conversion information body having information regarding the conversion mode □, and when the card is used, the information of the conversion information body is The recorded contents of the magnetic stripe are decoded based on the conversion mode determined by One to judge the use