KR100535752B1 - Prevention method of withdrawing cash preventing without permission - Google Patents

Abstract

The present invention relates to a method for preventing unauthorized cash withdrawal, in which case a bank customer withdraws cash in an emergency situation (cash withdrawal by the force of a third party), and / or withdraws a card from a card to a third party in a force majeure situation and provides a password. If it is necessary to inform, the government office and / or the bank to notify the emergency by entering a password (emergency password) by adding or subtracting a predetermined number in the first or last digit of the commonly used password. According to the present invention, a bank customer can easily think of an emergency secret code in an emergency situation, and can cope with unauthorized withdrawal of cash in an emergency situation, as well as a predetermined number in a network system of a conventional banking business. There is an effect that can be carried out without the addition of a database for storing the present invention.

Description

PREVENTION METHOD OF WITHDRAWING CASH PREVENTING WITHOUT PERMISSION}

The present invention relates to a method for preventing unauthorized cash withdrawal in a banking business, and more particularly, a password obtained by adding or subtracting a predetermined number to an ordinary password without setting a second password other than a commonly used password. Or it relates to a method for preventing unauthorized cash withdrawals that can perform additional functions in an emergency.

Conventionally, in order to prevent unauthorized withdrawal of cash in banking operations, for example, when a bank customer withdraws cash in an emergency, a method of notifying the government office or the like using a second password, which is separately permitted, in addition to the usual password. There is this. This will be described in more detail with reference to FIGS. 1 and 2.

1 is a block diagram showing a network system of a conventional banking business.

In Figure 1, the financial server 101 is stored with a plurality of passwords set by the bank customer in addition to the password commonly used; A bank 104 connected to the financial server 101 and a network system; Multiple cash machines 103; And a public office 102 connected to a tel line (TEL LINE) capable of notifying an emergency situation of a bank customer from the financial server 101.

FIG. 2 is a block diagram illustrating the financial server 101 of FIG. 1 in detail.

2, the financial server 101 includes a first memory 204 for storing a plurality of passwords opened by a bank customer; A second memory 205 provided with instructions for performing an action corresponding to a password stored in the first memory 204 and a means for contacting a government office; A central processing unit (201) for performing control based on the information stored in the first and second memories (204 and 205) and the comparison with the currently introduced information or a predetermined information output; A communication signal output unit 202 for generating information to be transmitted to the government office 102 in response to a control command of the central processing unit 201; And converting the information signal flowing from the cash dispenser 103 or the bank 104 into a standardized digital signal and supplying it to the central processing unit 201, or the information data transmitted from the central processing unit 201 is a cash machine. Or a signal interface 203 that performs signal conversion for transmission to the 103 or bank 104.

1 and 2, the bank 104 stores the second password in addition to each individual's password in the first memory 204 of the financial server 101, and the financial server ( When the second password is input to the signal interface 203 of 101, i.e., when the information signal corresponding to the cash withdrawal flows from the cash dispenser 103 or the bank 104, the central processing unit 201 recognizes this. do.

At this time, the central processing unit 201 reads the information stored in the first memory 204 and determines whether the currently input password is the second password set by the user. As a result of the determination by the central processing unit 201, if it is determined that the current input password is the second password, the public office, for example, police box, etc. After reading the contact information, the communication signal output unit 202 is controlled to transmit the message.

That is, when a user is forced to a password from a third party, the user is informed of the second password instead of the password, so that the third party has the second password and the cash card with the cash machine 103 or the bank 104 ) To withdraw cash. At this time, the second password is transmitted to the financial server 101, and the financial server 101 notifies the public office 102 of the emergency situation with the input of the second password. This is to inform the current position requiring the withdrawal by using a plurality of information communication means including a voice message.

On the other hand, the central processing unit 201 may transmit the amount requested by the third party through the cash dispenser 103 to protect the user's identity, which is a control command read from the second memory (205) It is based on. Therefore, the central processing unit 201 controls the amount of money requested by the cash machine 103 to be withdrawn through the signal interface 203.

In addition, when the third party requests the withdrawal by using the user's second password in the bank 104, the bank clerk checks the password and is notified of the second password from the financial server 101.

However, because passwords that are commonly used are frequently used in cash and withdrawals or other banking tasks, it may be remarkable even in emergency or emergency situations.However, because the second password is not used frequently, think of the second password in emergency or emergency situations. There is a problem that betting is difficult.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, in which case a bank customer withdraws cash in an emergency situation (cash withdrawal by force of a third party), and / or withdraws a card from a third party in a force majeure situation and provides a password. If you need to tell them, enter a password (emergency password) with a certain number added to the first or last digit of a commonly used password to notify the public office and / or the bank that the cash is being withdrawn. It is an object of the present invention to provide a method for preventing cash unauthorized withdrawal.

In order to achieve the above object, the present invention provides a method for preventing unauthorized withdrawal of cash through a financial terminal connected to a financial server, wherein the financial server receives customer information including an input password through the financial terminal. step; Determining whether the financial server is in an emergency situation by comparing the emergency password formed by adding or subtracting a predetermined number to the normal password of the customer stored in the financial server with the input password; And when the input password is the same as the emergency password, the financial server notifying the government and / or bank of an emergency situation of cash withdrawal.

In addition, in the method for preventing unauthorized cash withdrawal of the present invention, the financial terminal is characterized in that the cash machine or the bank teller terminal.

In addition, in the method for preventing unauthorized cash withdrawal of the present invention, the emergency password may be calculated by adding or subtracting the predetermined number to the last digit of the normal password.

In the method for preventing unauthorized cash withdrawal of the present invention, the emergency password may be calculated by adding or subtracting the predetermined number to the first digit of the normal password.

In the method for preventing unauthorized cash withdrawal of the present invention, the predetermined number is characterized by being 1.

In the method of preventing unauthorized cash withdrawal of the present invention, the step of the financial server comparing the input password with the emergency password to determine whether it is an emergency situation uses the customer information received by the financial server from the financial terminal. Querying the financial server to detect customer information including the normal password and the predetermined number; Comparing, by the financial server, the input password with the normal password; Calculating, by the financial server, the emergency password by adding or subtracting the predetermined number to the normal password when the input password is different from the normal password; And comparing, by the financial server, the input password with the emergency password.

In the method of preventing unauthorized cash withdrawal of the present invention, the step of the financial server comparing the input password with the emergency password to determine whether it is an emergency situation uses the customer information received by the financial server from the financial terminal. Querying the financial server to detect the normal password; Comparing, by the financial server, the input password with the normal password; Detecting, by the financial server, the predetermined number using the received customer information when the input password and the normal password are different; Calculating, by the financial server, the emergency password by adding or subtracting the predetermined number to the normal password; And comparing, by the financial server, the input password with the emergency password.

In addition, the method for preventing unauthorized cash withdrawal of the present invention, if the input password and the emergency password is the same, characterized in that it further comprises the step of concentrating photographing the surveillance camera installed in the financial terminal to the cash withdrawal position.

Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings.

In the present embodiment, the financial server (refer to FIG. 1; 101) stores a predetermined number (i.e., a number to be added to or subtracted from the normal password in case of emergency) as well as the normal password. Assume that

3 is a flowchart illustrating a procedure for preventing unauthorized cash withdrawal according to an embodiment of the present invention.

In FIG. 3, the financial server 101 identifies whether an input password is input through a financial terminal (ie, a cash dispenser 103 or a financial teller terminal (not shown)) (S100).

When the input password is input in step S100, the financial server 101 receives customer information including the input password through the financial terminal in step S110.

In step S120, the financial server 101 searches the customer information stored in the financial server 101 by using the received customer information, and detects the corresponding normal password and a predetermined number (S130).

In step S140, the financial server 101 compares the input password received through the financial terminal and the normal password to identify whether the same.

If the input password and the normal password are different in step S140, the financial server 101 calculates an emergency password by adding or subtracting a predetermined number to the normal password in step S150. For example, an emergency password is calculated by adding or subtracting a predetermined number to the first or last digit of the normal password.

In step S160, the financial server 101 compares the calculated emergency password with the input password to identify whether it is the same.

If the emergency password and the input password is the same in step S160, in step S170 the financial server 101 focuses and photographs the monitoring camera (not shown) installed in the financial terminal to the cash withdrawal position.

In step S180, the financial server 101 notifies the public office 102 and / or the bank 104 of the emergency situation of unauthorized withdrawal of cash.

In step S190, the financial server 101 controls the financial terminal so that the cash is withdrawn in order to protect the personality of the bank customer from the third party.

If the input password and the normal password is the same in step S140, the financial server 101 determines that the normal bank transaction and controls the financial terminal to withdraw the corresponding cash in step S190.

In addition, when the input password and the emergency password are different in step S160, the financial server 101 determines that the password is incorrectly input, requests a password re-entry and identifies whether the password is input again in step S100.

In order to make the above description more detailed, it demonstrates, for example. That is, it is assumed that the input password is "1235", the normal password is "1234", the predetermined number is "1", and the predetermined number is added to the normal password to calculate the emergency password.

When an emergency occurs and the bank customer or a third party enters the password "1235" through the financial terminal (ie, the cash dispenser 103 or the financial teller terminal (not shown)), the financial server 101 enters the password. Receive customer information including "1235".

The financial server 101 inquires the customer information stored in the financial server 101 by using the received customer information, and detects the corresponding normal password "1234" and the predetermined number "1".

First, the financial server 101 compares the input password " 1235 " and the normal password " 1234 "to detect that the input password and the normal password are different, and then the financial server 101 determines the predetermined number " The emergency password "1235" is calculated by adding 1 ".

Thereafter, the financial server 101 compares the calculated emergency password "1235" with the input password "1235", and detects that the input password and the emergency password are the same.

As such, when the financial server 101 detects that the input password and the emergency password are the same, the financial camera 101 concentrates and photographs a surveillance camera (not shown) installed in the financial terminal at the cash withdrawal position and monitors the emergency situation of the unauthorized withdrawal of the cash. 102 and / or bank 104 to allow bank security officers and / or police officers to go to a cash withdrawal location.

In this embodiment, the customer or financial server is to add or subtract a predetermined number to the last digit of the normal password in order to calculate the emergency password, but in another embodiment, the emergency password is calculated by adding or subtracting a predetermined number to the first digit of the normal password. In general, the emergency password can be calculated by adding or subtracting a predetermined number to the remaining positions except the first and last digits of the password.

As described above, according to the present invention, by using a predetermined number that can be easily remembered in an emergency situation, a password added to or subtracted from a password used for banking, as a password for informing an emergency situation, and thus cash is not allowed in an emergency situation. Can be limited to withdrawal.

In addition, there is an effect that the present invention can be carried out without additionally adding a database for storing a predetermined number in the network system of the conventional banking business.

In the above, the present invention has been described and described with respect to certain preferred embodiments. However, the present invention is not limited to the above-described embodiments, and those skilled in the art to which the present invention pertains have various changes without departing from the spirit of the technical idea of the present invention described in the claims below. Could be done.

1 is a block diagram showing a network system of a conventional banking business.

FIG. 2 is a block diagram illustrating the financial server of FIG. 1 in detail. FIG.

3 is a flow chart showing a cash withdrawal prevention procedure according to an embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

101: financial server 102: government office

103: cash machine 104: bank

Claims (8)

As a method for preventing unauthorized withdrawal of cash through a financial terminal connected to a financial server that stores customer information including a normal password, The financial server receiving customer information including an input password through the financial terminal; The financial server detecting the normal password stored in the financial server using the customer information received from the financial terminal, and comparing the detected normal password with the input password; Calculating an emergency password by adding or subtracting a predetermined number to the normal password when the input password is different from the normal password; And Comparing the emergency password with the input password and notifying the emergency situation of unauthorized cash withdrawal to a bank and / or a government office managing the financial terminal to which the input password is input. The method of claim 1, wherein the financial terminal is a cash dispenser or a bank teller terminal. The method of claim 1, wherein the emergency password is calculated by adding or subtracting the predetermined number to the last digit of the normal password. The method of claim 1, wherein the emergency password is calculated by adding or subtracting the predetermined number to the first digit of the normal password. 5. The method of claim 3 or 4, wherein the predetermined number is one. delete delete The method of claim 1, further comprising: focusing and photographing a surveillance camera installed at the financial terminal at a cash withdrawal position when the input password and the emergency password are the same.