KR100956194B1 - Anti-skimming system in atm and method thereof - Google Patents

Abstract

The anti-skimming system in a financial automation device according to the present invention comprises a color determination means for determining a color, a screen control means for displaying a first color visualized with the determined color through a display means of the financial automation device, and an agent associated with the determined color. Light source control means for emitting two colors through a light source provided in the financial automation device, matching determination means for determining whether the first color and the second color match, and if the match is 'matching', It characterized in that it comprises a card reader control means for allowing the insertion of the card into the provided card reader.

Financial automation equipment, card skimming, LED, card slot shutter

Description

Anti-skimming system and method in financial automation equipment {ANTI-SKIMMING SYSTEM IN ATM AND METHOD THEREOF}

The present invention is to prevent skimming crime of stealing card information from the card of the customer inserted into the financial automation device, and displays a randomly determined color on the display means of the financial automation device, and at the same time Financial automation that emits colors through the light source (LED) provided in the card reader of the financial automation device, and when the two colors are determined to be 'matching', the card insertion slot shutter is opened to allow the card insertion. An anti-skimming system in a device and a method thereof.

With respect to traditional financial transactions that have been carried out by banks in direct contact with the clerks, the emergence of Automatic Teller Machines (ATMs) has revolutionized in many ways. The customer's waiting time has been significantly reduced, and even after the financial institution is closed, the customer can benefit from financial transactions whenever they want. Not only the customers, but also the financial institution's processing time is reduced, and the workforce is reduced due to the reduction of manpower and cost.

Financial automation equipment basically provides many financial tasks performed by financial institutions such as banks and village safes. The user can perform a desired financial transaction in a short time by simply operating a financial automation device installed in the bank without using a bank clerk in account transfer, balance inquiry, deposit withdrawal, and bank account arrangement. These advantages of financial automation devices have led to a rapid increase in the number of customers, installations, and installation sites of financial automation devices, making it easy to find them today.

However, due to the skimming crime of stealing the card information from the customer's card inserted in the operating financial automation device, the card theft is increased and customers are using the card using the financial automation device. There are many problems, such as hesitation. The technology of anti-skimming was developed worldwide.

First, there is a method of preventing a skimming device from being attached by a criminal by installing a simple structure in advance at a card inlet of a card reader provided in a financial automation device. In this case, additionally, if the skimming device attachment prevention device is forcibly removed from the financial automation device by the criminal, the financial service is stopped by detecting it. However, although it may be difficult to attach the skimming device, there is a problem in that the effects on recent skimming crimes are insufficient.

In addition, there is a method of preventing the operation of the card reader to prevent the act of blocking or modifying the card entrance to prevent the crime of illegally acquiring the card itself by using a foreign material to prevent the card from being ejected. There is a problem that the effect on the skimming crime is insufficient.

In addition, the radio wave detection method in which the skimming device captures a signal transmitting data to the outside of the financial automation device and stops the transaction has a problem that is excellent but expensive and difficult to cope with the internal storage method, and acquires information from the skimming device. The method of disabling skimming equipment to neutralize the problem is also effective but expensive.

Accordingly, the present invention proposes an anti skimming technique in a financial automation device that can easily prevent recent skimming crimes at a relatively low cost.

The present invention has been made to solve the above problems, and displays a randomly determined color on the display means of the financial automation device, and at the same time the light source (LED) provided in the card reader of the financial automation device Anti-skimming system in financial automation devices that can prevent skimming crime by opening the shutter of the card slot and allowing the card to be inserted if it is determined that the two colors are 'matching' And a method thereof.

In addition, the present invention by installing an automatic shutter in the card inlet of the card reader, by opening the shutter of the card inlet when the 'matching' is confirmed, inserting a foreign material, such as 'Lebanese Loop' to cut the customer's card An object of the present invention is to provide an anti skimming system and a method thereof in a financial automation device that can prevent crime.

In addition, the present invention can easily determine whether the illegal skimming device is mounted on the card reader, and provides the anti-skimming system and method in the financial automation device that allows customers to use the financial automation device with confidence. The purpose.

It is also an object of the present invention to provide an anti skimming system and a method thereof in a financial automation device that can easily prevent recent skimming crimes at a relatively low cost.

In order to achieve the object of the present invention as described above, the anti-skimming system in a financial automation device according to an embodiment of the present invention, color determination means for determining the color, financial automation of the first color visualized the determined color Screen control means for displaying through the display means of the device, light source control means for emitting a second color associated with the determined color through a light source provided in the financial automation device, whether the first color and the second color match Matching determination means for determining a, and if the result of the determination, 'matching', characterized in that it comprises a card reader control means for allowing the insertion of the card into the card reader provided in the financial automation device.

In addition, the anti-skimming method of the financial automation device according to an embodiment of the present invention, determining the color, displaying the first color visualized the determined color through the display means of the financial automation device, the determined Emitting a second color associated with a color through a light source provided in the financial automation device, determining whether the first color matches the second color, and if the matching result is 'matching', And allowing card insertion into a card reader provided in the financial automation device.

According to the present invention, a randomly determined color is displayed on a display means of a financial automation device, and at the same time, the randomly determined color is emitted through a light source (LED) provided in a card reader of the financial automation device, thereby allowing two colors to be displayed. If it is determined that this is a 'matching', the skimming crime can be prevented by opening the shutter of the card slot and allowing the card to be inserted.

In addition, according to the present invention, by installing an automatic shutter in the card inlet of the card reader, if the 'matching' is confirmed by opening the shutter of the card inlet, 'Lbanese Loop' to insert a foreign material to cut the customer's card Crimes such as this can be prevented.

In addition, according to the present invention, it is easy to check whether the illegal skimming device is mounted on the card reader, and the customer can use the financial automation device with confidence.

In addition, according to the present invention, it is possible to easily prevent the recent skimming crime at a relatively low cost.

Hereinafter, with reference to the accompanying drawings, it will be described in detail with respect to the anti-skimming system and method in a financial automation device according to the present invention.

The term "financial automated machine" used in the present invention, as well as ATM (Automated Teller Machine), as well as cash dispenser (CD: Cash Dispenser) or bank, insurance, credit card, etc. It is broadly interpreted as a concept that includes a series of unmanned automated devices such as a kiosk that includes a complex automated device that provides a service and provides various additional services such as utility billing, ticket issuance, and point accumulation. .

1 is a view showing the structure of a financial automation device.

The financial automation device 100 includes an operation terminal 110, a banknote 120, a bankbook 130, and a card reader 140.

The operation terminal 110 receives menu selections and operations for financial transactions from the user, and provides various financial services or additional services to the user through the GUI screen. Banknotes and withdrawals 120 of the bill counts and stores the bill, and the bankbook 130 reads the bankbook and performs the bankbook cleaning task. The card reader 140 reads a card according to a user's financial transaction card input and performs card related tasks. The card reader 140 may read not only a financial transaction card but also a credit card or ID card for other business. In addition, the financial automation device 100 may include a communication unit for accessing a financial automation server, a control unit for controlling the overall operation of the financial automation device, a memory for storing various data, and a printing module for printing on a bankbook or a statement table. It may further include.

2 is a diagram illustrating a configuration of an anti skimming system in a financial automation device according to an embodiment of the present invention.

The anti skimming system 200 in the financial automation device includes a color determination means 210, a screen control means 220, a light source control means 230, a matching determination means 240, and a card reader control means 250. It can be configured.

The color determination means 210 functions to determine the color.

The color determination means 210 may determine the color at any one of a time point of arrival of a predetermined period, a random random point of time, or a point of time when the user approaches the financial automation device within a predetermined range. That is, the color may be automatically determined at random intervals or set at a random random point of time, or the color may be detected when a customer's approach is detected within a range selected from a financial automation device through a CCTV or infrared detector. May be determined.

The color determining means 210 may maintain a color table composed of a plurality of colors in advance, and the color determining means 210 may randomly extract a color from the retained color table.

The color may be maintained in the color table as color information, for example, as color information for visualizing color through the display means 260 or emitting light through a light source 280 such as an LED. However, when the color is visualized or the light is emitted, the color table may be configured by a customer (hereinafter, referred to as a user) to have a clear color (eg, red, blue, green, etc.).

The screen control unit 220 functions to display the first color visualizing the determined color through the display unit 260 of the financial automation device.

In this case, the first color is visualized to be displayed through the display means 260 according to the determined color. For example, the screen control unit 220 visualizes the determined color 'ff0000'. 'May be displayed through the display means 260.

In this case, the screen control unit 220 may display the first color together with the image of the card reader 270. Accordingly, the second color emitted from the LED light source 280 included in the card reader 270 and the first color can be induced to be compared with the user.

The card loader 270 may be implemented as a transparent mold. Accordingly, the second color emitted from the LED light source 280 can be confirmed more clearly, and the installation of the skimming device can also be easily prevented.

The light source control unit 230 functions to emit the second color associated with the determined color through the light source 280 provided in the financial automation device.

Here, the second color is visualized to emit light through the light source 280 provided in the financial automation device according to the determined color. For example, the light source control unit 230 visualizes the determined color 'ff0000'. The second color 'red' may emit light through the light source 280.

In addition, the light source 280 is one of the diodes that emit light when a current flows, the LED light source 280 having an advantage such as high reliability, easy modulation and stable operation can be used at an appropriate price, the The LED light source 280 may be included in the card reader 270 provided in the financial automation device. That is, the light source control means 230 may emit the second color through the LED light source 280 included in the card reader 270.

The matching determination unit 240 determines a match between the first color and the second color.

Here, the matching determination unit 240 may determine whether the matching is performed using the color values or the display period / light emission period of each of the first color and the second color, or after allowing the user to determine the matching, The user may be provided with an interface for confirming matching.

For example, the matching determination unit 240 provides an interface for confirming matching between the first color and the second color to the user of the financial automation device, and when a confirmation is input from the user through the interface, 'matching' Judging by

In another example, the matching determination unit 240 measures the color value of the first color and the color value of the second color, and the measured color value is within a range set from the measured color value of the first color. In this case, it can be determined as 'matching'. For example, the matching determination unit 240 may detect the second color emitted from the LED light source 280 using the optical sensor 290. When the second color is detected, the first color and the first color may be detected. Color values of two colors may be measured through the optical sensor 290, respectively. In this case, the color value of the first color may be measured by the optical sensor 290 or transmitted from the screen control means 220. When the color value of the measured second color coincides with the measured color value of the measured first color or is within the set error range, the matching determination unit 240 may determine that the match is 'matching'.

As another example, the matching determination unit 240 measures the display time of the first color and the emission time of the second color, and the measured emission time of the second color is within a range set from the display time of the measured first color. In this case, it can be determined as 'matching'. For example, the matching determination unit 240 may detect the second color emitted from the LED light source 280 using the optical sensor 290, and if the second color is detected, the matching sensor 240 may be detected. The emission period of the second color in the LED light source 280 may be measured, and the display period of the first color in the display terminal 260 of the financial automation device may be measured. The matching determination unit 240 may compare the light emission period of the measured second color and the display period of the measured first color, and determine that the matching occurs when the match period is equal to or within the set error range.

The card reader control means 250 functions to allow the insertion of a card into the card reader 270 provided in the financial automation device when the matching result is 'matching'. That is, the card reader control means 250 may open the card inlet shutter of the card reader 270.

In addition, the card reader control unit 250 counts the number of 'matches' when the matching result is 'matching' and does not satisfy the selected number of times (eg, three times). In this case, another color described above is randomly determined, a first color visualizing the determined color is displayed through the display means 260 of the financial automation device, and a second color associated with the determined color is displayed through the light source 280. The light emission may be repeated to determine whether the first color matches the second color. For example, the card reader control means 250 may allow the card insertion into the card reader 270 provided in the financial automation device when it is determined that the match is three or more times in a row. Accordingly, the accuracy of the 'matching' can be increased.

As in the above-described embodiment, it may be possible to confirm whether the next 'matching' is performed only when it is determined as 'matching', or when the 'matching' is performed a plurality of times and determined as 'matching' more than a selected number of times. The card reader 270 of the card reader 270 may be opened. That is, when the card reader control means 250 determines n colors sequentially, when determining the 'matching' for each of the m consecutive colors among the n colors, the card reader control means 250 inserts the card into the card reader 270. Can be allowed.

In addition, the screen control unit 220 may display a warning message on the display means 260 of the financial automation device when the result of the determination is not 'matching', when the skimming device is not installed or the card cannot be inserted.

Therefore, according to the present invention, it is possible to easily check whether the illegal skimming device is mounted on the card reader, and the customer can use the financial automation device with confidence.

3 is an anti-skimming system for a financial automation device according to an embodiment of the present invention, which displays a first color through display means provided in the financial automation device, and matches a second color that emits light through an LED light source. It is a figure which shows an example which provides the interface for confirmation.

The anti-skimming system according to the present invention may display the first color (hatched portion of FIG. 3) visualizing a randomly determined color together with the image of the card reader through the display means of the financial automation device. Accordingly, the second color emitted from the LED light source actually included in the card reader and the first color can be induced to be compared by the user.

In addition, the anti-skimming system according to the present invention displays an interface for confirming matching between the first color and the second color as shown on the display means of the financial automation device as shown in the drawing, and when the confirmation is input from the user through the interface. In other words, it can be judged by 'matching'.

4 is a diagram illustrating a structure of a card reader provided in a financial automation device in an anti-skimming system in a financial automation device according to an embodiment of the present invention.

The card reader 410 provided in the financial automation device may include a card inlet shutter 430 for preventing foreign matter or the skimming device from being mounted in the card inlet 420 as shown in the drawing. In addition, the anti-skimming system according to the present invention determines whether the first color and the second color match in a variety of ways, and if the match is 'matching', the card slot shutter 430 of the card reader 410 Can open Accordingly, the user can safely insert the card through the card inlet 420 of the card reader 410 provided in the financial automation device.

5 is a flowchart illustrating a procedure of an anti skimming method in a financial automation device according to an embodiment of the present invention.

The anti skimming method in the financial automation device may be implemented by the anti skimming system in the financial automation device of the present invention. In addition, in the following description of FIG. 5, FIG. 5 will be described with reference to FIG. 2.

In step S510, the anti skimming system randomly determines the color.

The color determination means 210 may determine the color at any one of a time point of arrival of a predetermined period, a random random point of time, or a point of time when the user approaches the financial automation device within a predetermined range. That is, the color may be automatically determined at random intervals or set at a random random point of time, or at the point of time when a customer's approach is detected within a range selected from a financial automation device through a CCTV or an infrared detector. This may be determined.

The color determining means 210 may maintain a color table composed of a plurality of colors in advance, and the color determining means 210 may randomly extract a color from the retained color table.

The color may be maintained in the color table as color information, for example, as color information for visualizing color through the display means 260 or emitting light through a light source 280 such as an LED. However, when the color is visualized or the light is emitted, the color table may be configured by a customer (hereinafter, referred to as a user) to have a clear color (eg, red, blue, green, etc.).

In operation S520, the anti-skimming system displays the first color visualizing the determined color through the display means 260 of the financial automation device.

In this case, the first color is visualized to be displayed through the display means 260 according to the determined color. For example, the screen control unit 220 visualizes the determined color 'ff0000'. 'May be displayed through the display means 260.

In this case, the screen control unit 220 may display the first color together with the image of the card reader 270. Accordingly, the second color emitted from the LED light source 280 included in the card reader 270 and the first color can be induced to be compared with the user.

In operation S530, the anti-skimming system emits the second color associated with the determined color through the light source 280 provided in the financial automation device.

Here, the second color is visualized to emit light through the light source 280 provided in the financial automation device according to the determined color. For example, the light source control unit 230 visualizes the determined color 'ff0000'. The second color 'red' may emit light through the light source 280.

In addition, the light source 280 is one of the diodes that emit light when a current flows, the LED light source 280 having an advantage such as high reliability, easy modulation and stable operation can be used at an appropriate price, the The LED light source 280 may be included in the card reader 270 provided in the financial automation device. That is, the light source control means 230 may emit the second color through the LED light source 280 included in the card reader 270.

In operation S540, the anti-skimming system determines whether the first color matches the second color.

In this case, the matching determination unit 240 may determine whether the matching is performed using a color value or a display period / light emission period of each of the first color and the second color, or after allowing the user to determine the matching, An interface for confirmation may be provided to the user.

For example, the matching determination unit 240 provides an interface for confirming matching between the first color and the second color to the user of the financial automation device, and when a confirmation is input from the user through the interface, 'matching' Judging by

As another example, the matching determination unit 240 may detect the second color emitted from the LED light source 280 using the optical sensor 290. When the second color is detected, the first color and Color values of the second color may be measured through the optical sensor 290, respectively. In this case, the color value of the first color may be measured by the optical sensor 290 or transmitted from the screen control means 220. When the color value of the measured second color coincides with the measured color value of the measured first color or is within the set error range, the matching determination unit 240 may determine that the match is 'matching'.

As another example, the matching determination unit 240 may detect the second color emitted from the LED light source 280 using the optical sensor 290. When the second color is detected, the optical sensor ( The emission period of the second color in the LED light source 280 may be measured through the 290, and the display period of the first color in the display means 260 of the financial automation device may be measured. The matching determination unit 240 may compare the light emission period of the measured second color and the display period of the measured first color, and determine that the matching occurs when the match period is equal to or within the set error range.

In step S550 and S560, the anti-skimming system allows the insertion of the card into the card reader 270 provided in the financial automation device when the matching result is 'matching'. That is, the card reader control means 250 may open the card inlet shutter of the card reader 270.

As a result of the determination, if it is not 'matching', the anti-skimming system may block the financial transaction using the financial automation device without opening the card entrance shutter, and transmit a failure signal to the financial server through the network. Can be.

Further, embodiments of the present invention include a computer readable medium having program instructions for performing various computer implemented operations. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. The medium or program instructions may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.

While specific embodiments of the present invention have been described so far, various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the claims below, but also by those equivalent to the claims.

1 is a view showing the structure of a financial automation device.

2 is a diagram illustrating a configuration of an anti skimming system in a financial automation device according to an embodiment of the present invention.

3 is an anti-skimming system for a financial automation device according to an embodiment of the present invention, which displays a first color through display means provided in the financial automation device, and matches a second color that emits light through an LED light source. It is a figure which shows an example which provides the interface for confirmation.

4 is a diagram illustrating a structure of a card reader provided in a financial automation device in an anti-skimming system in a financial automation device according to an embodiment of the present invention.

5 is a flowchart illustrating a procedure of an anti skimming method in a financial automation device according to an embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

200: Anti skimming system in financial automation equipment

210: color determination means

220: screen control means

230: light source control means

240: matching determination means

250: card reader control means

Claims (13)

Color determining means for determining a color; Screen control means for displaying a first color visualizing the determined color on a display means of a financial automation device; Light source control means for emitting a second color associated with the determined color through a light source provided in the financial automation device; Matching determination means for determining whether to match the first color with the second color; And If it is determined that the match, the card reader control means for allowing the insertion of the card into the card reader provided in the financial automation device Anti skimming system in a financial automation device comprising a. The method of claim 1, The matching determination means, And providing an interface for confirming matching between the first color and the second color to a user of the financial automation device, and when confirmation is input from the user through the interface, determining the matching. Skimming system for financial automation equipment. The method of claim 1, The matching determination means, The color value of the first color and the color value of the second color are measured, and when the measured color value of the second color is within a range set from the measured color value of the first color, the matching is performed. Anti skimming system in a financial automation device, characterized in that the judgment. The method of claim 1, The matching determination means, When the display time of the first color and the emission time of the second color are measured, and the emission time of the measured second color is within a range set from the display time of the measured first color, the matching is performed. Anti skimming system in a financial automation device, characterized in that the judgment. The method of claim 1, The card reader control means, In the case of the 'matching', the anti-skimming system in a financial automation device, characterized in that for opening the card inlet shutter of the card reader. The method of claim 1, The screen control means, An anti skimming system in a financial automation device, characterized in that for displaying a first color together with the image for the card reader. The method of claim 1, The light source control means, Anti-skimming system in a financial automation device, characterized in that for emitting the second color through the LED light source included in the card reader. The method of claim 1, The color determination means, The anti-skimming system for a financial automation device, characterized in that the color is determined at any one of the time of arrival of the predetermined period, random random point of time, or when the user approaches the financial automation device within a predetermined range. The method of claim 1, If the color is determined sequentially n The card reader control means, When the 'matching' is determined for each of the m consecutive color among the n colors, the anti-skimming system in a financial automation device, characterized in that the insertion of the card into the card reader. The method of claim 1, The card fender is Anti-skimming system for financial automation equipment, characterized in that implemented in a transparent mold. The method of claim 1, As a result of the determination, if it is not 'matching', The screen control means, An anti-skimming system for a financial automation device, characterized by displaying a warning message on the display means of the financial automation device. Determining a color; Displaying the first color visualized by the determined color on a display means of a financial automation device; Emitting a second color associated with the determined color through a light source provided in the financial automation device; Determining whether the first color matches the second color; And If it is determined that the match, the step of allowing the card insertion into the card reader provided in the financial automation device Including, The determining of the match is, Providing an interface for confirming matching between the first color and the second color to a user of the financial automation device; And If confirmation is input from the user through the interface, determining as 'matching' Anti skimming method in a financial automation device comprising a. The method of claim 12, The step of displaying the first color through the display means of the financial automation device, Displaying a first color with an image for the card reader, The step of emitting a second color through a light source provided in the financial automation device, Emitting the second color through an LED light source included in the card reader Anti skimming method in a financial automation device comprising a.

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