KR100684605B1 - Method for Distinguishing Type of Magnetic Card and Card Reader Executing the same - Google Patents

Abstract

The present invention relates to a method of determining the type of magnetic card and a card reader using the method.

A method of determining a type of magnetic card by a card reading terminal including a magnetic card reading unit according to the present invention includes the steps of: (1) the magnetic card reading unit reading both the second track and the third track; Card information obtaining step of receiving the information of the read second track and the third track, and (3) a track for determining whether the received information of the second track and the third track is valid information configured in accordance with a predetermined protocol. Determining whether the data is valid; and (4) a card type determining step of determining a type of the magnetic card when it is determined that at least one of the second track and the third track is valid. Step (a) of the debit bank identification number (BIN) in which information of the second track is valid and information disposed in a predetermined area of card information recorded in the second track is stored in advance. A first determining step of discriminating with a debit card if it matches any one; (b) a second determining with a credit card if the information of the second track is valid and there is no information matching the pre-stored debit BIN. And a third determining step of determining by the cash card if the information of the third track is valid.

Card Reading, Magnetic Card, Type, Credit Card, Debit Card, Cash Card

Description

A method for determining the type of magnetic card and a card reader for performing the method TECHNICAL FIELD

1 is an illustration of a magnetic card for explaining the position and track arrangement of the magnetic strip of the magnetic card.

2 is a flowchart for explaining a method of determining the type of magnetic card according to the present invention;

3 is a flowchart of a card type reading method according to another embodiment according to the present invention;

4A is a flowchart of a card type reading method according to another embodiment of the present invention.

4B is a flowchart of a card type reading method according to another embodiment of the present invention.

4C is a flowchart of a card type reading method according to another embodiment of the present invention.

Fig. 5 is a configuration diagram of a card reader capable of discriminating the type of magnetic card according to the present invention.

6 is a system block diagram of a card payment system comprising a card reader, a relay server and a financial institution server.

7 is a schematic diagram of a keypad portion of a conventional card reading terminal.

The present invention relates to a method of determining the type of magnetic card and a card reader for performing the method. More particularly, the present invention provides a method for determining a service that can be provided through a magnetic card by acquiring information contained in the magnetic card without the user having to additionally press an input button to determine the type of card. A card reader using the method.

Magnetic cards, which are widely used today, can be provided using a credit card service, a cash card service, a debit card service, and a point card service. It will be appreciated that each service may be provided in a different form depending on whether the card issuer is a credit card company, a bank, or an organization that issues other membership cards, such as a mobile carrier.

Magnetic cards that are commonly used are configured to store information in accordance with the ISO-7811 standard, so that each card has the same shape, and the information contained in the card is also standardized to be stored according to a predetermined protocol. The reading of such a card is also configured to use a magnetic stripe reader (MSR) capable of reading data recorded on the magnetic strip of the magnetic card according to the standard.

On the other hand, since the magnetic card is formed in accordance with the standard regardless of the data contained therein and the card information is arranged, the conventional card reader could not automatically distinguish the type of the read card.

By the way, a card reading terminal including a card reading unit is configured to generate a payment message for requesting a service to a server of a financial institution related to payment of the card through a relay server commonly referred to as a value-added communication server (VAN server). It is. In order to generate such a payment message or accumulate card points, it is necessary to determine whether the type of card, that is, a payment request using a credit card, a payment request using a cash card, a point accumulation request or a discount request using a loyalty card, and the like. . Also, an ATM (cash machine) device including a card reader is configured to receive not only a cash card service but also a credit card service using the ATM device. This ATM device is also configured to directly input whether the user uses a cash card or a credit card from an ATM device user, so that the type of card used by the user is a cash card issued by a bank or a credit card issued by a credit card company. It was not a configuration that distinguishes recognition in the ATM device itself.

7 shows an example of a conventional credit card terminal keypad. As shown in FIG. 7, the keypad of the credit card terminal is provided with a switch at the top of the keypad to select whether the card to be swiped is a credit card, a point card, or a debit card. The location of this selection key may vary depending on the credit card terminal. ATM cards installed in banks are generally provided with such a card selection button.

Therefore, in the conventional card reader terminal or ATM device, since the means for determining the card type is not provided by the card reader itself, the type of the card to be used by the user of the card reader terminal or the ATM device is distinguished. Had to enter.

As described above, the user is inconvenient because the user is configured to input the type of the card used in the conventional card reader terminal or ATM device, and an operation command input unit for inputting the card type must be provided to the card reader terminal or the ATM device. There was inconvenience.

The present invention is to solve the problems of the prior art as described above to determine the type of card in the card reader itself to reduce the inconvenience of the user, the operation command input unit for receiving a user operation command for card type determination It is an object of the present invention to provide a card reader method which is not necessary and a card reader capable of performing the method.

According to a first embodiment of a method in which a card reading terminal including a magnetic card reading unit according to the present invention as described above determines the type of a magnetic card, (1) the magnetic card reading unit is used for one time card swiping. Reading both the second track and the third track; (2) acquiring card information for receiving information of the read second track and the third track; and (3) the received second track and the third track. Track data validity determining step of determining whether the information of the three tracks is valid information configured to meet a predetermined protocol; and (4) if it is determined that the information of at least one of the second track and the third track is valid. And a card type determining step of determining the type of the magnetic card, wherein the card type determining step comprises: (4-1) a card in which the information of the second track is valid and recorded in the second track. A first discrimination step of discriminating with a debit card when information arranged in a predetermined area of the beam matches any one of a pre-debit bank identification number (BIN), and (4-2) the information of the second track is valid. And a second determining step of determining by a credit card if there is no information matching the pre-stored debit BIN, and (4-3) a third determining step of determining by a cash card if the information of the third track is valid. It is composed.

In the present specification and claims, the card reader is a reader capable of reading information of a magnetic card, including a magnetic card reader, and is used as a term covering all credit card payment terminals and ATM devices provided in stores and the like.

According to the ISO-7811 protocol, a track of a magnetic card is composed of three tracks, credit card or debit card information is input into the second track, and cash card information is input into the third track. On the other hand, the card number stored in the second track is composed of 16 digits, and the first 4 to 6 digits are referred to as BIN (Bank Identification Number), so that unique numbers are assigned to banks and financial institutions internationally. The BIN information is used to identify which financial institution issued the card.

The present invention has been invented in view of the fact that a debit card is provided with a separate BIN from the credit card. Since the number of BINs on such debit cards is smaller than the BINs on credit cards, the number of unique numbers assigned to BINs on debit cards is not as high as on the date of this patent application. Is stored in the card reader side in advance, the capacity of the required storage storage device is not greatly required, and it is possible to configure the card reading method or the card reading apparatus according to the present invention at low cost.

Therefore, the method of determining the type of magnetic card according to the present invention reads all the information recorded in the second track and the third track to verify the validity of the second track and the third track, and the data stored in the second track If the data is valid, the type of card is a credit or debit card, and further, the data of the second track is compared with a pre-stored debit card BIN to determine whether it is a debit card or a credit card, and the data stored in the third track is valid data. The card information is configured to be a cash card.

It will be appreciated that the validation of the card is configured to determine whether the length of the information is effectively stored according to the convention of ISO-7811 as described above. For example, if the information in track 3 is not valid, the information read from track 3 is all zeros, or if it is not all zeros, but it is in violation of the ISO-7811 protocol. The validity of the information recorded in step 3 can be determined.

According to a second embodiment of a method of determining a type of magnetic card by a card reading terminal including a magnetic card reading unit, (1) the magnetic track and the second track and the third track by swiping the card once; (2) obtaining card information for receiving the read information of the second track and the third track, and (3) the information of the received second track and the third track is a predetermined protocol. A track data validity determining step of determining whether the information is valid information configured to match the data, and (4) a card for determining the type of the magnetic card when it is determined that at least one of the information of the second track and the third track is valid. And a card type discrimination step, wherein the card type discrimination step includes (4-1) information in which the information of the second track is valid and arranged in a predetermined area of the card information recorded in the second track. A first deciding step of discriminating with a debit bank identification number (BIN) if it is matched with one of the stored debit banks; and (4-2) the information of the second track is valid and corresponds to the previously stored debit BIN. If there is no information, (4-2-a) the information placed in the predetermined area of the card information is compared with the prestored credit card BIN, and if there is matching information, it is determined as a credit card, and (4-2-b) matching And if there is no information, a second judging step of judging by a point card, and (4-3) a third judging step of judging by a cash card if the information of the third track is valid.

The information on the point card issued by the mobile communication service provider is regulated to be recorded in the second track, and a service using the point card can be provided even by using a normal card reader. At this time, it will be understood that the card information recorded in the second track is valid but the card is recognized as a point card if the card is not a debit card or a credit card. By the way, the point card is often set by the issuer without considering the BIN and the like distributed by the ISO protocol. Therefore, in a preferred embodiment of the present invention, the debit card BIN and the credit card BIN are configured to be stored in a database of a relay server communicatively connected to the card reader and / or the card reader. The card BIN is preferably configured to be stored in a database of the relay server in order to minimize the capacity of the storage medium of the card reader in consideration of the manufacturing cost of the card reader and to actively respond to the addition or change of the card BIN. .

According to a preferred embodiment of the second embodiment of the method for determining the type of magnetic card, the credit card BIN is stored in a database of a payment relay server, and in the second determining step, the information of the second track is valid and in advance. If there is no information corresponding to the stored debit BIN, the query step of requesting to determine the card type by transmitting the second track information to the payment relay server, and the reply data for the query step from the relay server Acquiring a reply data acquiring step; and using a reply data step of determining whether the card is a credit card, a point card, or a one-card using the acquired reply data.

The so-called one card is a card that can perform both a credit card function and a point card function at the same time, and is provided for credit and credit points using the credit card function and point accumulation and use using the point card function. In the past, the payment using the original card had to be input one by one through the card terminal, but according to the card discrimination method according to the present invention, it is configured to directly query the relay server to determine whether the type of the card is the original card. It can be configured to determine the card type more accurately than the way. One card is a type of credit card that belongs to the category of credit cards.

To this end, the relay server is configured to store a credit card BIN, a point card BIN, and an original card BIN. Preferably, the reply data obtained from the relay server is stored in the second track information of the card. It is composed of data relating to which of the original card BINs.

The relay server is connected to the card reader through a communication network, and is configured to receive a payment message from the card reader side and to transfer it to a card issuing institution, for example, a financial institution side server, to relay the card reader and the payment server. The value-added communication server (VAN server) is an example of the relay server.

A card reading terminal including a magnetic card reader for achieving the object of the present invention is (a) a magnetic card for simultaneously reading the second track information and the third track of the magnetic card by swiping a single card A debit BIN data storage that stores a reading unit, (b) a Bank Identification Number (BIN) of a financial institution that issues a debit card, and (c) controls the operation of the card reading apparatus and identifies the type of card read out. A control unit for performing a comparison operation to perform the operation; (d) a track data validity determining step of determining whether the received information of the second track and the third track is valid information configured according to a predetermined protocol; If the information on the track is valid and the information placed in the predetermined area of the card information recorded on the second track matches among the pre-stored debit bank identification numbers (BIN) A first discrimination step of discriminating by a second card; a second discrimination step of discriminating by a credit card if the information of the second track is valid and there is no information corresponding to the pre-stored debit BIN; and the information of the third track is valid. And a program for performing the third determining step of discriminating with a cash card comprises a recorded computer readable recording medium.

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

1 illustrates an example of a magnetic card for explaining the position and track arrangement of the magnetic strip of the magnetic card.

The position of the magnetic strip and the arrangement of the tracks of the magnetic card are arranged according to the ISO-7811 standard. As shown in FIG. 1, the magnetic strip is sequentially disposed from the upper surface of one side of the magnetic card 10. The second track 102 and the third track 103 are configured to be arranged. In particular, the ISO-7811 protocol stipulates that credit card information and debit card information are recorded on the second track 102 and the cash card information is recorded on the third track 103. Conventional card readers are generally configured to read a second track if the user enters via a keypad or the like that a credit or debit card will be used, and a third track if the user enters a cash card. The card reader for carrying out the card reading method according to the present invention is configured such that the magnetic strip reading means reads the second track and the third track at the same time by swiping once, and this example is the JSR-1060 model of JS Digitech. Is possible.

Meanwhile, as described above, the credit card and the debit card store the card number and the expiration date information of the card in the second track 102, and the cash card store the issuing bank and account information in the third track 103. do. In particular, the card information stored in the second track 102 is composed of 16 digits, and the first 4 to 6 digits are referred to as a BIN (Bank Identification Number), which assigns a unique number for each bank and / or financial institution internationally. It is configured to. In the case of a debit card, a BIN different from that of a credit card is given, and since the number of unique numbers is very small, less than 10 as of the date of this patent application, it is not necessary to greatly increase the storage capacity of a storage medium provided to a conventional card reader. It will be appreciated that the implementation of the present invention is possible at no additional cost since it is a sufficiently acceptable amount of data.

2 is a flowchart illustrating a method of determining the type of magnetic card according to the present invention.

According to the method of determining the type of the magnetic card according to the present invention as shown in FIG. 2, first, both the information of the second track and the third track are read by one swiping of the magnetic card (S20). . The validity of the second track data is determined by determining whether the second track data has a structure according to the ISO-7811 protocol by using the data read in step S20. If the data of the second track is valid, it is determined whether it matches any one of the BINs of the debit card stored in the card reader (S40). Since the number of BINs used for debit cards is not large, you can store them in the card terminal and determine if there is a matching BIN among them. If the second track data is not valid data, it is determined whether the third track data is valid data (S50).

At this time, if the first four to six digits of the data stored in the second track of the magnetic card read out according to the result of the step (S40) comparing with the BIN of the debit card previously stored, the magnetic card if the BIN of the debit card Determine as a debit card (S61). If the second track data is valid but the first four to six digits of the data stored in the second track are not the BIN of the debit card, the magnetic card is determined as a credit card (S63). If the second track data is not valid and the third track data is valid, the magnetic card is determined as a cash card (S65). However, if it is determined in step S50 that the third track data is invalid and it is determined that both the second track and the third track data are invalid, it is determined that the magnetic card is a wrong card such as a telephone card or another type of card. Step S67 is performed.

According to such a configuration, the card reader can automatically determine the type of the card by simply swiping the card to the magnetic stripe reading means MSR once.

On the other hand, if it is determined that the second track data is valid but the pre-stored debit card BIN and the first four to six digits of the second track data of the magnetic card do not coincide, performing a comparison with the previously stored credit card BIN. In addition, if it matches the credit card BIN, it is determined that the magnetic card is a credit card, and if the second track data is valid but does not match any of the debit card BIN and the credit card BIN, the magnetic card is a point card. It can be configured to determine that. Since information such as an ok cashback reward card is usually stored in Track 2, this determination process may be necessary.

If the credit card BIN is stored in the card reader, all of these processes are performed by the card reader. If the credit card BIN is not stored in the card reader, a comparison with the credit card BIN previously stored in the relay server is requested. To obtain the result.

As described above, when the type of the magnetic card is determined, it is configured to receive the amount information and the like through a card reader to prepare a payment request message or to prepare a data message for cash withdrawal.

The specific embodiment shown in FIG. 2 is an embodiment focused on a payment part and configured to first determine a debit or credit card when the second track is valid.

3 shows a flowchart of a method of determining a card type when a single card serves multiple functions. In general, a card that combines a credit card and a cash card function or a debit card and a cash card is widely used.

First, in step S200, the card reading terminal simultaneously reads data of the second track and the third track by one swipe. In step S300, all default values of the credit card, the debit card, and the cash card are set to "N". Here, "N" means "no" and "Y" to be described later means "yes".

Next, the flow advances to step S400 to determine whether or not the third track data is valid. If the third track data is valid data conforming to the ISO-7811 protocol, the variable of the cash card is changed to "Y". If it is determined that the data of the third track is not valid data, the flow advances to step S500 to determine whether the second track data is valid. If it is determined that the second track data is valid, the flow advances to step S600 to determine whether the BIN of the second track data matches at least one of the BINs stored in the card reading terminal. If there is a matching debit card BIN, the flow advances to step S670 to change the variable of the debit card to "Y". If there is no matching debit card BIN, the flow advances to step S650 and the variable of the credit card changes to "Y". do.

According to the method shown in FIG. 3, for example, when a card that combines a credit card and a cash card function is read, the final variable values are credit card = Y, debit card = N, and cash card = Y. When reading a card that combines a cash card function, the final variable values are credit card = N, debit card = Y, and cash card = Y.

Reading a card with only a credit card function, the final variable values are credit card = Y, debit card = N, cash card = N.

In other words, by determining that only the card having a variable value of Y is valid, the card reader terminal can accurately determine the type of the card including not only one function but also various functions.

In the case of reading a combined card, the card reader terminal sets which card is initially set as a default value so that it is not necessary to perform a cumbersome operation such as pressing a card type selection button each time the card is read.

On the other hand, in the embodiment of Figure 3 may be configured to automatically recognize the point card. That is, in step S300 'of FIG. 4A, the variable of the point card is also set to "N", and when it is determined that the second track data is valid, the process advances to step S620 to determine whether the credit card is BIN. Whether it corresponds to a credit card BIN may be inquired of the BIN stored in the card reader terminal, or may be queried to a payment broker server, for example, a van server side (VAN Server).

If it is determined that the credit card is not BIN, the flow advances to step S680 to change the variable of the reward card to "Y".

According to this method, all types of cards, regardless of credit card, debit card, cash card, or point card, can be determined by one swiping without pressing a separate selection button.

In FIG. 4B, unlike the procedure flow chart shown in FIG. 4A, the credit card variable is changed to “Y” even when the data stored in the second track is not the credit card BIN but also the credit card BIN (S650). The method may be configured to include a step S680 of changing the point card variable to “Y” when it is determined that the point card is determined as a result of performing the step S625.

The point card issuer may assign the BIN independently, ignoring the BIN allocation protocol according to the ISO protocol. In such a case, even if the data stored in the track 2 matches the credit card BIN, the card may actually be a point card. . It will be appreciated that the procedure flow diagram shown in FIG. 4B illustrates an embodiment for configuring the card to be a point card in this case. According to an embodiment which does not limit the scope of the present invention, when the credit card variable and the point card variable are both "Y", it is configured to determine a card type with a point card, or both functions may be performed. It can be configured to determine the number of cards. In general, a so-called "one card", which is a card including both a credit card and a point card function, exists separately as a managed BIN will be described later. Therefore, if there is a BIN included in the credit card BIN and matching the point card BIN, the point card issuing subject will randomly select the BIN and overlap with the credit card BIN. If it is determined that the card = Y, change the credit card variable to "N" and the point card variable to "Y".

In FIG. 4C, unlike in FIG. 4A and / or FIG. 4B, in the initial default value setting step, the value of the one-card variable is also set to "N" (S300 ''), and the data of track 2 is not a debit BIN. If the credit card is not a BIN, changing the point card variable to "Y" to determine the card as a point card (S680), and determining whether the credit card is a BIN (S620), and if the result value is "Yes", the original card Determining whether it is a BIN (S623), and changing the credit card variable to "Y" if it matches the credit card BIN but does not match the original card BIN as a result of performing the step (S623) (S651). And changing the original card variable to "Y" if it matches both the credit card BIN and the original card BIN (S690).

Since the original card BIN is usually assigned as a part of the credit card BIN, it is preferable to confirm whether the original card BIN after checking whether the original card BIN is the same as the procedure flow chart shown in Fig. 4C. When the card type determination result indicates that the original card variable value is Y, the relay server may request the point management server to process the service related to the point and request the processing of the service related to the credit card payment to the financial institution server. In addition, the method of providing a service according to the type of card following the method of determining the type of card according to the present invention once the type of the card has been determined may be applied to various embodiments.

5 is a block diagram of a card reader capable of determining the type of magnetic card according to the present invention.

As shown in Fig. 5, the card reader according to the present invention controls the operation of the card reader and the computer readable recording medium 205 in which the debit card BIN is stored, which does not require particularly large storage capacity. And a control unit 201 capable of performing a comparison operation for performing the reading method and a magnetic card reading unit (MSR) 203 capable of reading information contained in the magnetic strip of the magnetic card.

5 shows a system block diagram of a card payment system comprising a card reader, a relay server and a financial institution server.

As shown in FIG. 5, the card reader 20 creates a payment request message or a cash withdrawal message using the card information read as described above, and transmits it to the relay server 40. 40 is configured to receive the full message and transmit it to the financial institution server 60 which manages to provide a payment service or a cash payment service using a card. Therefore, when the card reader is a credit card payment terminal provided in a store or the like, the relay server may be configured as a value-added communication server (VAN server). When the card reader is an ATM device, the relay server may be a joint computer network of a financial institution. It will be appreciated that it may be configured as a management server that is connected to and manages account transfers and the like to each financial institution server.

The method according to the present invention can be implemented as a computer program, which is recorded in a computer readable recording medium. Of course, the meaning of a computer should be understood very broadly, and means any device capable of processing electronic data. That is, as a specific example to which the present invention is applied, it is obvious that an ATM device installed in a card reader terminal, a bank, or the like is included in the scope of a computer.

According to the configuration of the present invention as described above, it is possible to determine the type of card in the card reading device itself to reduce the inconvenience of the user, the card read without the operation command input unit for receiving a user operation command for card type determination It is possible to provide a method and a card reader capable of performing the method.

Claims (5)

In the card reading terminal including a magnetic card reader for determining the type of the magnetic card, Reading, by the magnetic card reader, both the second track and the third track by one card swiping; Obtaining card information for receiving the read information of the second track and the third track; A track data validity determining step of determining whether the received information of the second track and the third track is valid information configured to meet a predetermined protocol; And determining a type of the magnetic card when the information on at least one of the second track and the third track is valid. The card type determination step, A first discrimination determined by the debit card when the information of the second track is valid and the information disposed in a predetermined area of the card information recorded on the second track matches any one of a pre-debit bank identification number (BIN); Steps, A second discriminating step of discriminating with a credit card when the information of the second track is valid and there is no information matching the pre-stored debit BIN; And a third determining step of discriminating with a cash card if the information of the third track is valid. How to determine the type of magnetic card. In the card reading terminal including a magnetic card reader for determining the type of the magnetic card, Reading, by the magnetic card reader, both the second track and the third track by one card swiping; Obtaining card information for receiving the read information of the second track and the third track; A track data validity determining step of determining whether the received information of the second track and the third track is valid information configured to meet a predetermined protocol; And determining a type of the magnetic card when the information on at least one of the second track and the third track is valid. The card type determination step, A first discrimination determined by the debit card when the information of the second track is valid and the information disposed in a predetermined area of the card information recorded on the second track matches any one of a pre-debit bank identification number (BIN); Steps, If the information of the second track is valid and there is no information matching the pre-stored debit BIN, the information placed in a predetermined area of the card information is compared with the pre-stored credit card BIN, and if there is matching information, the credit card is determined. A second determining step of determining by a loyalty card if there is no matching information; A third determining step of discriminating with a cash card if the information of the third track is valid; How to determine the type of magnetic card. The method according to claim 2, The credit card BIN is stored in the database of the payment relay server, The second determination step, A query step of requesting to determine the card type by transmitting the second track information to the payment relay server when the information of the second track is valid and there is no information corresponding to a pre-stored debit BIN; A reply data obtaining step of obtaining reply data for the querying step from the payment relay server; And using a reply data for determining whether the card is a credit card, a point card, or a one-card using the acquired reply data. The method according to claim 3, And the reply data obtained from the payment relay server is data relating to whether the credit card BIN, the point card BIN, or the original card BIN corresponds to the second track information of the card. In the card reading terminal comprising a magnetic card reader, A magnetic card reader which simultaneously reads the second track information and the third track of the magnetic card by swiping a single card, A debit BIN data storage unit for storing a bank identification number (BIN) of a financial institution that issues a debit card; A control unit which controls the operation of the card reading apparatus and performs a comparison operation for identifying the type of card read; A track data validity determining step of determining whether the received information of the second track and the third track is valid information configured to conform to a predetermined protocol; and a card recorded with information valid for the second track and recorded in the second track. A first discriminating step of discriminating with a debit card if information arranged in a predetermined area of the information matches a pre-stored debit BIN (Bank Identification Number); and information of the second track is valid and matches the debit BIN previously stored. And a computer readable recording medium having recorded thereon a program for performing a second discrimination step of determining by credit card if there is no information, and a third discrimination step of determining by cash card if the information of the third track is valid. , Card reader terminal.

Images