JPS6061862A - Individual collating device - Google Patents

Abstract

PURPOSE:To prevent a card from being used illegally by the 3rd party by registering a false password for preventing the illegal use of the card previously in addition to the correct password of the holder. CONSTITUTION:A customer inserts a card into a card insertion slot 2 to check on its normalcy, and when the card is normal, the key input of a password is guided on a CRT6 and the keyed password is read in a memory. This password read in this memory is compared with a previously inputted real password, and when they are coincident, card check processing is completed. When not, a false password is read out of the memory and compared with the keyed input password to decide on the illegal use of the card when they are not coincident with each other. Thus, the false password is registered previously to prevent the card from being used illegally.

Description

[Detailed Description of the Invention] Background of the Invention This invention is a personal verification device that uses a personal identification number to determine whether the person in question is legitimately qualified. The present invention relates to a personal verification device using a card, which is applied to a processing device represented by a payment machine, a terminal device of a credit card system installed in a store, and the like.

When making payment transactions, checking balances, etc. using the above-mentioned transaction processing device, the identity of the person is verified by checking whether the 4-digit number entered manually with the key matches the PIN number written on the card. ing. In order not to forget your four-digit PIN, familiar numbers such as your phone number, date of birth, and car number are often repurposed. Therefore, if a check card is lost or stolen, there is a risk that someone else who has obtained the card will misuse the card by using a number familiar to the card owner. This is because in the current system, it is possible to rekey the PIN up to six times, and if you key in the cardholder's familiar number one after another, it will match the PIN written on the card. This is because there is a high probability that it will happen.

SUMMARY OF THE INVENTION The present invention provides a personal verification device that minimizes the risk of a card being misused by another person.

This invention is based on the premise that in addition to an individual's correct personal identification number (true personal identification number), a false personal identification number (false personal identification number) is registered in advance to prevent misuse of the card. The fake PIN number may be a number that is likely to be used by someone else in an attempt to misuse it, a phone number familiar to the card holder as mentioned above, date of birth, or car identification number. These true PIN numbers and fake PIN numbers may be recorded on the card, or may be stored in the memory of a center such as a transaction processing device in correspondence with the account number or credit card number. good.

The personal verification device according to the present invention includes a password input means,
A method for comparing the entered PIN number with a stored true PIN number and determining that it is valid if they match, and a method for comparing the entered PIN number with a stored false PIN number and determining that it is valid if they match. It is characterized by having a means to determine that it is unjust in certain cases.

If a person without proper qualifications other than the person himself or herself enters a false PIN number that is the same as a registered false PIN number, that person will be immediately determined to be an unauthorized person, and the transaction will be canceled, the card collected, and the person in charge Since measures such as calling the card are taken, misuse of the card is prevented.

DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments in which the present invention is applied to personal verification in an automatic transaction processing device will be described in detail.

FIG. 1 shows the external appearance of an automatic teller machine (hereinafter simply referred to as ATM) (1). As is well known, the customer operation panel of an ATM (l) has a card insertion slot (
2), passbook insertion slot (3), cash output slot (4), cash insertion/return slot (5), information display (CRT) (6), function key (7), password and other numerical information. Numeric keypad (8) for input, and instruction display (9)
is provided.

FIG. 2 shows the internal configuration of ATM (11).

ATM (11 is a central processing unit (hereinafter referred to as CPU) equipped with a memory (11), which is controlled by the CPU flll. The CPU flll includes a card reader that reads data magnetically recorded on the card and its control circuit En,
A slip issuing machine and its control circuit (I5) that prints data on receipts issued to customers and journals as copies, and in payment transactions, pays out the bills of the payment amount from the storage box, counts them, and carries them out. A bill dispensing machine and its control circuit 07), a bill accepting machine that distinguishes, counts, and accepts deposited bills in a deposit transaction and its control circuit 07), a passbook printing machine that prints transaction data on a passbook and its control circuit (07); 18), Removal indicator (9) and its control circuit 09
), a keyboard and its control circuit (20) including a funtion key (7) and a numeric keypad (8), a CRT (6
1 Oyohiso control circuit (21), power supply control circuit (22)
, a transmission control circuit (131) is connected to control communication with the control center (as shown).The memo IJ f121 stores an execution program for transaction processing and various transaction data.

FIG. 3 shows the data format of the magnetic card. In addition to normal data such as bank number, branch number, and account number, the card magnetically records one true PIN number, two false PIN numbers, and a validity code.

FIG. 4 shows an area provided in the memory 02) of the ATM+11 for storing data regarding the card. A place to store the card data read from the card (Ml), a place to memorize the password entered manually (M
2) A place (M3) where the card data format, bank number, etc. are checked to determine whether the accepted card is normal or abnormal and then stored (M3), the key is to check if any of the manually entered PIN and card data is false. A place (M4) for storing that the passwords match and a place (M5) for storing that the password entered by the key did not match either the true password or the false password are provided.

FIG. 5 shows the process of verifying the identity of the customer by checking the card for transactions such as payment and balance inquiry at ATM (11). When the customer inserts the card (step +311), the card-league The card data is read and stored in the memory location (Ml) of the memo 121 (step +321).
. It is determined whether the accepted card is normal or abnormal by checking the card data format and bank number, etc.
The result is stored in the location (M3) in the memory (12) (step (331). If the card is abnormal, the card is returned (step +48)) and the process ends. If normal, & CRT (6) l A message will appear asking you to enter the PIN key manually, and the entered PIN will be read and stored in memory 02.
) is stored in the location (M2) (step +34+
). Location (M2) key Entered password and location (M2)
l) The true PIN number in the card data is compared (
Step 05)). If both passwords match, the card check process ends. Since the person who inserted the card and entered the PIN number is a valid customer, the next step in the transaction processing (e.g., inputting the amount in the case of a payment transaction) will proceed and the specified transaction will be completed. It is compared with the password (step +3a+). If the entered password matches any of the false passwords, it is determined that the card has been used illegally. The validity code of the card is written and 2 is written (a card with a validity code of 2 can no longer be used) (step +41)), and the fact that the false PIN number matches is stored in the memory (12) location (M4). (step f42)), and the card is collected or returned (step +43+). Depending on the data of the location ([4,), an attendant call light is turned on or a warning is issued.

If the entered PIN does not match either the true or false PIN in the card data, this fact is stored in the memory (12) at location (M5) (step +37).
), it is determined whether the PIN key input is the third time (step +38+ >. The PIN key input can be re-entered up to three times. If it is the third time, the CRT
(In (3), the message to enter the PIN again is displayed, so the customer enters the PIN again, so this is read and written to the memory (12) location (M%)). (Step +391). Then go back to the step above.

If the password key input has already been redone three times, the validity code is incremented by 1 (step f441).
. If the validity code is 2, the card can no longer be used. If the validity code is 1 (step [4
51) The card is returned (step +47)) and the process ends. If the validity code is 2, the card is collected or returned (step [4G+), and the process ends.

In this way, when entering a PIN number for identity verification, if a number familiar to the card owner is entered in an attempt to misuse the card, if that number is written on the card as a false PIN number, the transaction will be unsuccessful. Therefore, the risk that the car F will be misused and a transaction will be completed is reduced.

In the above example, the true PIN number and false PIN number are recorded on the card, but it is also possible to store these numbers in the customer information file at the center in correspondence with the account number. .

In this case, since the personal identification number manually entered from the transaction terminal is transmitted to the center together with the card data including the account number, the identification number check process can be performed at the center.

[Brief explanation of the drawing]

Fig. 1 is a perspective view showing the external appearance of the transaction processing device, Fig. 2 is a block diagram showing the internal configuration of the transaction processing device, Fig. 3 is a diagram showing the data format of the magnetic card, and Fig. 4 is a diagram showing the internal structure of the transaction processing device. FIG. 5 is a flowchart showing the card check processing procedure. (11... Transaction processing device, (2) - Fist/Card slot, (8)... Fist numeric keypad, all... CPU, (12
1...Memory.

Claims (1)

[Scope of Claims] (1) A means for inputting a PIN; means for comparing the input PIN with a stored true PIN and determining that the PIN is valid if they match; and the input PIN; A personal verification device that is equipped with a means for comparing a stored false PIN number and determining that the PIN number is invalid if they match. Memorizing a PIN number and one or more false PIN numbers, reading card data including these PIN numbers by a card league, and storing the card data in memory;
A personal verification device according to claim (1). (3) A personal verification device using a card, which records an identification number on the card in advance and stores a true PIN and one or more false PINs in correspondence with the identification number. The personal verification device according to claim 1, which includes an identification number according to a card league. (4) Claim No. 3, wherein the memory is a memory of a terminal device equipped with the input means and the card league.
Personal verification device described in Section 21 or Section (3). (5) The personal verification device according to claim (3), wherein the memory is a memory of a central control unit to which a terminal device including the input means and the card league is connected via a transmission line. (6) The personal verification device according to claim 11, which is characterized by issuing an alarm when it is determined to be inappropriate.