JPS6017562A - Secret number collation equipment - Google Patents

Abstract

PURPOSE:To prevent illegal usage of a magnetic card by dealing with cash transaction using the magnetic card after checking the number of digits of a secret number and the secret number. CONSTITUTION:The memory 2, keyboard control circuit 3, bank note pay-out control circuit 4, card system control circuit 5 and voucher issuing control circuit 6 is connected to the CPU1 of the cash dispenser (CD). Moreover, the line control circuit 12 which connects the CD to the center is also connected to the CPU1 of the CD. The CPU1 checks the secret number of the magnetic card which is read by the card read/writer 10, and the secret number which is inputted through the keyboard 8 and its number of digits, and judges that inputted secret number is correct.

Description

[Detailed Description of the Invention] fa) Technical field This invention relates to an automated teller machine (CD) using a magnetic card.
), automatic teller machine (ATM), and other transactions, the present invention relates to a secret number verification device that verifies secret numbers such as personal identification numbers and passwords in transactions such as those at ATMs and automated teller machines (ATMs).

(b) Conventional technology and its drawbacks Currently, at CIs and ATMs, the safety of transactions using magnetic cards is ensured by verifying PIN numbers, but fraudulent transactions often occur due to theft of magnetic cards. are doing. However, in the past, the secret numbers that customers could register were fixed to several digits of data, which limited the combinations of numbers that could be selected, and there was a high possibility that the secret numbers would be stolen, creating problems in preventing fraud. In addition, in the current situation where customers own a large number of cards due to the development of transaction systems using cards, there is a tendency to set a secret number for each card. There were some inconveniences that caused inconvenience in usage, such as having to choose one.

(C) The purpose of the invention, the second purpose of the invention is to fix the number of digits in the secret number that customers can register. A secret number verification device that can expand the selection range of secret numbers and prevent unauthorized use of magnetic cards by determining whether the number of digits matches the number of digits of a pre-registered secret number. Our goal is to provide the following.

(d1 Structure and effect of the invention) In summary, this invention reads the digit number data of the magnetic card by using a card league from a magnetic card on which the digit number data of a registered secret number is recorded, and the read digit number data is A digit number storage means to be stored, a digit number determination means for determining the number of digits of a secret number input by an input operation, and the number of digits determined by the digit number determination means and the digits stored in the digit number storage means. a digit comparison means for comparing numbers;
and input error determining means for determining a secret number error when the number of digits of the input secret number does not match the number of digits read from the magnetic card as compared by the number of digits comparison means,
Using a magnetic card on which a secret number of a desired number of digits determined by the customer is recorded, a number of digits check can be performed to determine whether the number of digits of the entered secret number is correct or incorrect.

According to this invention, the customer can decide and set a secret number with a desired number of digits, so the range of secret number selection can be expanded, and this makes it possible for the customer to decide and set a secret number with a desired number of digits. Choose the easiest code to remember, such as a number with a few digits or a number with many meaningful digits, so you can use your card smoothly without making mistakes when entering your secret number, and create a code that will not be easily guessed by others. The possibility of selecting the magnetic card increases, and the security against theft of the magnetic card increases. In addition, unauthorized use of the magnetic card can be prevented by checking the number of digits, which determines an error when the number of digits in the entered secret number is insufficient or excessive.

(Ill Embodiment) FIG. 1 shows a control block diagram of a CD using the secret number matching device of the present invention.

The CD is connected to the center via a telephone line, and the file processing of payment transaction data is performed at the center. By opening an account, a customer is issued a magnetic card to be used when making cash withdrawal transactions using a CD. Magnetic cards are issued using a card issuing device (not shown) installed at a bank or the like.

CI)'s CP tJ 1 includes a memory 2 for storing programs, a keyboard control circuit 3, a banknote release control circuit 4,
A card mechanism control circuit 5 and a slip issuance control circuit 6 are connected as devices 110, and a line control circuit 12 for connecting the CD to the center via a telephone line is also connected. The keyboard control circuit 3 controls the display of operation guidance messages on the CRT 7 and the amount of payment specified on the keyboard 8. The banknote discharge control circuit 4 is connected to a banknote discharge machine 9.
controls the banknote discharging operation. The circuit mechanism control card 5 controls reading and writing of the recorded contents of the magnetic card by the card reader/writer 10. The slip issuing control circuit 6 controls the issuing of slips by the slip issuing machine 11. The memory 2 includes a storage area for storing recorded contents read from the card by the card reader/writer 10.

FIG. 2 shows a card recording format of a magnetic card used in a transaction processing system (hereinafter referred to as the CD system) by the above-mentioned CI. This card recording format includes an area for recording the ID mark, bank/branch number, and account number representing the CI) system, as well as a secret number recording area for recording the customer's unique secret number. For example, a secret number of up to eight digits can be recorded in the secret number recording area, and the size of the recording area changes depending on the number of digits determined by the customer. In the figure, four-digit secret numbers (1234) are recorded separated by separators SP. The customer determines and registers a secret number of any number of digits, and receives a magnetic card with the secret number recorded on it. When a magnetic card is inserted into a CD, the number of digits of the secret number read from the magnetic card is stored in the digit number data storage area of the memory 2, and the digit number data storage area corresponds to the digit number storage means of the present invention. . Note that although the above-mentioned storage space shown in FIG. 2 is of the variable recording area type, the size of the secret number recording area may be set in advance as shown in FIG. 3. For example, the maximum number of digits in the secret number recording area is set to 8 digits2, and the secret number within that number of digits is recorded. In this case, for example, when recording the secret number (1234),
As shown in FIG. 3, SP is recorded in data other than the secret number, and the customer can arbitrarily set a value within a maximum of eight digits as in the case of Fomasoto shown in FIG. 2 above.

In this way, the secret number can be set arbitrarily within a predetermined number of digits, so the range of secret number selection is greatly expanded compared to, for example, a case where the secret number is fixed to a four-digit number. You can select a number and use your card smoothly.

Next, the operation of payment transaction processing using the CD will be explained with reference to the flowchart shown in FIG.

Step nl (Hereinafter, step ni will be simply referred to as ni.

), the customer inserts the magnetic card from the card slot in Cl). The card reader/writer 10 reads out the data recorded on the inserted magnetic card by the card reader/writer 10 (n2). Next, the number N of digits of the secret number is detected from the read secret number data and stored in the memory 2 (n3). After detecting the number of digits N of the secret number, display a prompt on the CRT 7 to prompt you to enter the secret number (n4), and set the CPUI timer to 60 seconds (
n5). After setting the timer to 60 seconds, a secret number key-in is accepted (06-118). When the key-in of the secret number has been performed the number of times equal to the number of digits N of the secret number read from the magnetic card, the second timer is reset and further set to 5 seconds (n8 to n10). If the secret number is not keyed in the number of digits N times within 60 seconds, it is determined that the number of digits is less than N, and the number is n, 6-n1.
Proceed to step 9, display the secret number input error on CRT 7, return the magnetic card, and exit (n20.n21) 6 After setting the timer to 5 seconds at nlO, the key-in of the secret number will be performed within these 5 seconds. If the number of digits exceeds N, it is determined that the number of digits has been entered, and the process proceeds to n1l-”n20, where a secret number input error message is displayed and the magnetic card is returned (n
21). If the secret number is not keyed in within 5 seconds, it is determined that the secret number N digits read from the magnetic card has been keyed in, and the process proceeds to n 12 = n 1”3. By determining the correctness of the number of digits of the secret number recorded on the card and the number of digits of the entered secret number, it is possible to check the number of digits before checking the secret number and determine whether the magnetic card is used legally. This makes it possible to more reliably prevent unauthorized use of magnetic cards.

The above n3 is used as the digit number determining means of the present invention, and the above n6 to
n8 corresponds to the digit number comparison means of the present invention, and n19, nil, and n12 correspond to the input error determination means of the present invention. When the number is input, the input secret number is compared with the secret number of the magnetic card at n13. When both secret numbers match as a result of the secret number check in n13, it is determined that the operation was made using a legitimate car F, and the CRT 7 prompts the user to enter the payment amount and accepts the payment transaction operation (n13). 1
4). Next, at n15, the billing amount data specified by the customer is transmitted to the center, and the center inquiries are processed.
U (n16). In the case of a transaction that can be paid by center inquiry, the banknote dispensing machine 9 discharges banknotes for the billed amount (n17). After the withdrawal process is completed, the magnetic card is returned and the process ends (n, 18). If the result of the secret number check in n13 does not match, the process proceeds to n13→n18, the magnetic card is returned, and the process ends.

Through the above operations, the number of digits of the secret number is checked and the secret number is verified, and then a payment transaction process using a magnetic card is performed. In the above example, the secret number check is performed using CRT.
Although this is done on the terminal side, the secret number check may also be done on the center side. When checking the secret number on the center side, only the number of digits of the secret number registered by the customer may be recorded on the magnetic card.

[Brief explanation of the drawing]

Figure 1 is a control block diagram of a cash mill J payment machine (CD) to which the secret number verification device of the present invention is applied, and Figure 2 is a control block diagram of the same C
Figure 3 is a diagram showing other card recording formats of the same magnetic card, and Figure 4 is a diagram showing the payment transaction processing of the same CD. 3 is a flowchart showing the operating procedure. Applicant Tateishi Electric Co., Ltd. Agent Patent attorney Hisao Komori? ;gi11'1 340 Coffin 2 Figure 3

Claims (1)

[Claims] (1) In a device that compares a secret number entered by an input operation with a pre-registered secret number, a magnetic card that records at least the number of digits of the registered secret number is used to collect the magnetic card by card league. a digit number storage means for reading digit number data and storing the read digit number data; a digit number determining means for determining the number of digits of a secret number input by an input operation; and a digit number determined by the digit number determining means. and a number of digits comparison means for comparing the number of digits stored in the number of digits storage means, and the number of digits of the input secret number does not match the number of digits read from the magnetic card by comparison between the number of digits and the number of digits stored in the number of digits storage means. A secret number verification device comprising input error determination means for determining a secret number input error when the input error occurs.