KR101111394B1 - Anti-skimming system - Google Patents

Abstract

The present invention relates to an anti-skimming system that can be installed attached to the card insertion slot of the financial terminal to prevent the skimming crime by preventing the installation of the skimming device to extract information recorded on the magnetic line of the card.
The anti-skimming system of the present invention for this purpose, in the anti-skimming system of the financial terminal, a protrusion protruding forward at at least one point of the front side, penetrating backward from the front side to guide the card insertion into the card insertion opening of the financial terminal. An outer body part including a card slit hole and a sensing sensor exposed on the front surface thereof; On the basis of the detection value of the sensor, if it is determined that the skimming device is attached to the outside of the outer body portion or is not in the normal operation state of the outer body portion to the main system of the financial terminal to control the financial terminal in the emergency mode. Control unit for transmitting a control signal; is configured to include.

Description

Anti-skimming system

The present invention relates to an anti skimming system, and more particularly, to an anti skimming system installed at a card insertion slot of a financial terminal, which can prevent the installation of a skimming device for copying information recorded on a magnetic line of a card. .

Financial terminals such as Cash Dispenser and Automatic Teller Machine are widely used because they can assist financial business by processing basic financial services such as deposit or withdrawal regardless of place and time. have.

1 is a perspective view showing an example of a conventional financial terminal, the conventional financial terminal 10 is provided with a card reader 11 is exposed so that the card insertion opening (11h1) to the front, to prevent and solve frequent crimes The camera 13 is installed, the main system 15 for the financial transaction is embedded in the financial terminal 10, the financial terminal display 17 for displaying the transaction status during the financial transaction is provided on the front.

On the other hand, the card reader 11, as shown in Figure 2, the body (11a) that is installed in the interior of the financial terminal 10, and the card insertion opening (11h1) provided on the front of the body (11a) and It comprises a receipt discharge port (11h2).

Cards such as credit cards, check cards, etc. that can be used for financial transactions through the financial terminal as described above have the convenience of withdrawing cash anytime and anywhere through the financial terminal 10, and many people use them. Increasingly, users are on the rise.

Recently, attempts have been made to illegally copy and illegally copy information on a card as financial transactions using the financial terminal increase. For example, a card insertion hole provided in front of the card reader 11 of the financial terminal 10 ( 11h1), an illegal device called 'Skimming Device' is installed to illegally copy information recorded on the card.

The skimming device is manufactured in a small size and attached to the card insertion opening 11h1 provided on the front of the card reader 11 of the financial terminal 10. In general, the skimming device corresponds to the card insertion opening 11h1 of the card reader 11. An opening having a size that allows the card to pass through is formed, and the head is built in a position corresponding to the magnetic line of the card to read and store the information recorded on the magnetic line of the card, and the stored information is transmitted through a transmission antenna It is sent to illegal users who have installed skimming devices and used for crimes.

In detail, at the moment when the user who wants to use the financial terminal 10 inserts the card into the card insertion opening 11h1 of the card reader 11, the card is inserted into the opening of the skimming device and the head embedded in the opening is the card. Read the information recorded on the magnetic line of the information, the read information is transmitted to the illegal user through the transmission antenna built into the skimming device to make a copy card, a separate sneak camera installed at any position of the financial terminal 10 Find out the user's password through a copy card will cause a crime to withdraw cash.

In order to prevent crimes caused by the skimming device as described above, a technology regarding anti skimming has been developed.

For example, an anti skimming device using a radio wave detection method in which a skimming device captures a signal transmitting data to the outside through a transmission antenna and stops a transaction, and an anti skimming device using a neutralization method that disables information acquisition from the skimming device. Is developed.

However, the above-described anti skimming device has a disadvantage that the price is expensive, in particular, there is a problem that the anti skimming device using the radio wave detection method is not applicable to the skimming device of the internal storage method.

Accordingly, there is a demand for a technique related to anti-skimming that can prevent installation of a skimming device at a relatively low cost.

An object of the present invention for solving the problems according to the prior art, it is possible to prevent the skimming crime by preventing the installation of the skimming device is installed in the card insertion slot of the financial terminal to copy the information recorded on the magnetic line of the card, It is to provide an anti skimming system that can enable a quick response in the event of a skimming crime.

The anti-skimming system of the present invention for solving the above technical problem, in the anti-skimming system of the financial terminal, at least one projection protruding forward from one point of the front, penetrating backward from the front of the card insertion of the financial terminal An outer body portion including a card slit hole for guiding card insertion into a sphere and a sensing sensor exposed on the front surface; On the basis of the detection value of the sensor, if it is determined that the skimming device is attached to the outside of the outer body portion or is not in the normal operation state of the outer body portion to the main system of the financial terminal to control the financial terminal in the emergency mode. Control unit for transmitting a control signal; is configured to include.

Preferably, the protrusions are formed to be approximately curved at both side ends of the outer body portion, each of the protrusions are formed to be recessed to be curved backwards to form a finger receiving groove, the card slit hole is between each of the protrusions Can be formed on.

Preferably, the control unit may be configured to include a storage module for storing the image information of the financial terminal camera for a predetermined time before and after the time of controlling the financial terminal in the emergency mode.

Preferably, the outer body portion is configured to be separated from the financial terminal, the outer body portion may be attached to the card insertion opening so that the card slit hole and the card insertion opening to correspond to each other.

Preferably, the outer body portion is integrally configured with the card reader of the financial terminal, the card slit hole and the card insertion opening may be integrally configured to communicate with each other.

More preferably, the outer body unit is configured to further include a wired transmission module for transmitting the detection value of the detection sensor to the control unit, the control unit is a wired reception module for receiving the detection value of the detection sensor, the wired A determination module for determining whether the skimming device is attached and / or the normal operation state of the outer body unit based on the detection value received by the receiving module, and an emergency module for controlling the financial terminal in the emergency mode.

More preferably, the outer body portion, the wireless transmission module for transmitting the detection value of the detection sensor to the control unit, and further comprises a power module for supplying power to the detection sensor and the wireless transmission module, the control unit Is a wireless receiving module for receiving a detection value transmitted from the wireless transmitting module, and a determination module for determining whether a skimming device is attached and / or a normal operation state of the outer body based on the detection value received by the wireless receiving module. It may be configured to include an emergency module for controlling the financial terminal in the emergency mode.

More preferably, the emergency mode of the financial terminal, at least any one of the process of stopping the main system of the financial terminal, outputting an error message on the display of the financial terminal, blocking the touch screen screen of the financial terminal, transmitting the error information to the control center. It may include.

The present invention as described above has the advantage that the skimming crime can be prevented by preventing the installation of the skimming device at a relatively low cost.

In addition, there is an advantage that it is impossible to install a skimming device having a flat attachment surface according to the shape of the curved protrusion and the finger receiving groove.

In addition, when a skimming device is attached or installed by an illegal user, or the outer body is damaged and / or detached, a storage module for storing the video information of the financial terminal camera can be quickly responded to the skimming crime. There is an advantage.

In addition, the outer body portion is configured to be separated from the financial terminal has the advantage that it can be easily applied to conventional financial terminals.

1 is a perspective view showing an example of a conventional financial terminal.
Figure 2 is a perspective view showing a card reader provided in a conventional financial terminal.
Figure 3 is a perspective view of the outer body portion according to an embodiment of the present invention.
Figure 4 is a front view showing the outer body portion according to an embodiment of the present invention.
5 is a cross-sectional view taken along line AA of FIG. 4.
6 is a cross-sectional view taken along line 'BB' of FIG. 4.
7 is a plan view showing a state in which the card is inserted through the outer body portion according to an embodiment of the present invention.
8 is an exploded perspective view illustrating a case in which the outer body portion and the card reader of the conventional financial terminal are separated from each other according to an embodiment of the present invention.
Figure 9 is a block diagram showing the overall configuration of the anti skimming system and the financial terminal according to an embodiment of the present invention.
10 is an exploded perspective view showing a case in which the outer body portion and the card reader of the conventional financial terminal are integrally formed in accordance with another embodiment of the present invention.
Figure 11 is a block diagram showing the overall configuration of an anti skimming system and a financial terminal according to another embodiment of the present invention.
12 is a flow chart showing the operation sequence of the anti-skimming system according to an embodiment of the present invention.

The present invention can be embodied in many other forms without departing from the spirit or main features thereof. Accordingly, the embodiments of the present invention are to be considered in all respects as merely illustrative and not restrictive.

The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as the second component, and similarly, the second component may also be referred to as the first component. And / or < / RTI > includes any combination of a plurality of related listed items or any of a plurality of related listed items.

When a component is said to be "connected" or "connected" to another component, it may be directly connected to or connected to that other component, but it may be understood that another component may exist in between. Should be. On the other hand, when a component is said to be "directly connected" or "directly connected" to another component, it should be understood that there is no other component in between.

The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting of the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In the present application, the terms "comprises", "having", "having", and the like are intended to specify the presence of stated features, integers, steps, operations, components, Steps, operations, elements, components, or combinations of elements, numbers, steps, operations, components, parts, or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art. Terms such as those defined in the commonly used dictionaries should be construed as having meanings consistent with the meanings in the context of the related art, and are not construed in ideal or excessively formal meanings unless expressly defined in this application. Do not.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like or corresponding elements are denoted by the same reference numerals, and a duplicate description thereof will be omitted. In the following description of the present invention, if it is determined that the detailed description of the related known technology may obscure the gist of the present invention, the detailed description thereof will be omitted.

The anti-skimming system according to an embodiment of the present invention is largely made of an outer body part 100 provided outside the financial terminal and a control unit 200 provided inside the financial terminal.

The outer body portion 100, the projections (110a, 110b) protruding forward from at least one point of the front surface, through the rear portion formed from the front to guide the card insertion to the card insertion port (11h1) of the financial terminal It comprises a slit hole (100h1) and the sensor 120 exposed on the front surface.

As shown in FIG. 5, the general skimming device SD has a flat surface attached to the card insertion hole 11h1 of the financial terminal. In view of this, the protrusions 110a and 110b protrude forward. The source is prevented from being attached to the skimming device.

As shown in FIGS. 3 and 5, the protrusions 110a and 110b are formed to be approximately curved at both end portions of the outer body portion 100, respectively, and both sides of the outer body portion 100. Each of the protrusions 110a and 110b formed at each end may have different shapes from the protrusion 110a on one side and the protrusion 110b on the other side.

According to the shape of the protrusions 110a and 110b as described above, it is difficult to manufacture a skimming device having an attachment surface corresponding to the shape of the protrusions 110a and 110b, thereby preventing the attachment of the skimming device.

Further, when the protrusions 110a on one side and the protrusions 110b on the other side are formed differently, the attachment surface of the skimming device must be manufactured to correspond to the protrusions 110a on the one side and the protrusions 110b on the other side, respectively. Therefore, there is an advantage that can make the skimming device more difficult.

On the other hand, when the protrusions (110a, 110b) are formed on both side ends of the outer body portion 100, respectively, between the protrusions (110a, 110b) is formed to be recessed to be curved backwards so that the finger receiving groove (130) Is formed.

As the finger receiving groove 130 is formed to be curved to the rear, with the advantage of making the attaching surface of the skimming device as described above more difficult, as shown in Figure 7, the user of the financial terminal card reader 11 There is an advantage that can facilitate the operation of inserting the card into the card insertion port (11h1) of.

The card slit hole (100h1) is formed through the front of the outer body portion 100 through the rear portion as a passage portion for guiding the card insertion to the card insertion opening (11h1) of the financial terminal, as shown in Figure 5, When protrusions 110a and 110b are formed at both side ends of the outer body portion 100, as shown in FIG. 6, the card slit hole 100h1 is disposed between the protrusions 110a and 110b. It may extend to both sides and penetrate backwards.

In addition, the card slit hole (100h1) may be formed to extend to the protrusions (110a, 110b), including between the two side ends.

Meanwhile, a receipt slit hole 100h2 formed in parallel with the card slit hole 100h1 may be selectively formed below the card slit hole 100h1, and the receipt slit hole 100h2 may be a receipt outlet of a financial terminal. Corresponding to the shape and position of 11h2 provides a passage through which a receipt can be discharged.

3 and 4, the detection sensor 120 is formed to be exposed on the front surface of the outer body portion 100, the external device such as a skimming device on the outside of the outer body portion 100 Detect that it is attached.

As shown in FIG. 3, the detection sensor 120 may be installed at upper, lower, left, and right sides of the card slit hole 100h1, and an installation position and an installation number of the detection sensor 120 may be an outer body. Of course, according to the shape of the part 100 can be applied by changing appropriately.

On the other hand, the detection sensor 120 may be applied by selecting a sensor used for the purpose of detecting the approach of the object, such as a known ultrasonic sensor, infrared sensor.

As described above, the outer body part 100 prevents the attachment of the skimming device by the protrusions 110a and 110b and the finger accommodation groove 130, and the attachment of the skimming device by the sensor 120. Make it detectable.

The control unit 200 is based on the detection value of the sensor 120 provided in the outer detection unit, a skimming device is attached to the outside of the outer body portion 100 or the top of the outer body portion 100 When it is determined that the operation state is not in operation, a control signal is transmitted to the main system 15 of the financial terminal to control the financial terminal in an emergency mode.

For example, in a state in which the skimming device is not attached to the outside of the outer body unit 100 and the sensing sensor 120 of the outer body unit 100 is normally operated, the control unit 200 is the detection sensor 120. Receive the detection value of "normal operation state".

However, in a state in which an external device such as a skimming device is continuously attached to the outside of the outer body part 100 for a predetermined time or more, the control unit 200 receives a detection value of “attaching an external device” from the sensor 120. Receive.

In addition, in a state in which the detection sensor 120 of the outer body unit 100 does not operate normally, the control unit 200 is in an abnormal state in which no detection value is transmitted from the detection sensor 120.

As described above, in the state in which an external device such as a skimming device is attached to the outside of the outer body portion 100 or the detection sensor 120 of the outer body portion 100 does not operate normally, the controller 200 Transmits a control signal for controlling the financial terminal to the emergency mode to the main system 15 of the financial terminal.

In the emergency mode of the financial terminal, stop processing of the main system 15 of the financial terminal, outputting an error message to the financial terminal display 17, screen blocking processing of the financial terminal touch screen (not shown), and transmitting error information to the control center It may include all emergency treatments such as.

On the other hand, the control unit 200 may be configured in the form of a card mounted in the slot provided in the main system 15 of the financial terminal or in the form of a USB connector may be connected to the main system 15.

The control unit 200 is configured to include a storage module 210 for storing the image information of the financial terminal camera 13 for a predetermined time before and after the time to control the financial terminal in the emergency mode.

That is, when the financial terminal is in the emergency mode, the storage module 210 stores image information of the financial terminal camera 13 for three minutes before and after the time when the financial terminal is controlled in the emergency mode. will be.

In general, a financial terminal camera 13 is installed in the financial terminal to prevent and solve frequent crimes. Image information stored through the financial terminal camera 13 is stored in association with time.

Therefore, when the suspect terminal of a particular event is attached to the outside of the outer body portion 100, the skimming device is attached or the sensor 120 does not operate normally so that the financial terminal is switched to the emergency mode, the image information Since the image information for the suspect must be searched by searching the image information corresponding to the time of the transition to the emergency mode, it is impossible to quickly deal with the suspect.

The storage module 210 stores the image information of the financial terminal camera 13 separately at the time when the financial terminal is switched to the emergency mode, so that the image information of the suspect can be immediately known without searching for a large amount of image information. This allows for a quick response to the suspect.

The control unit 200 as described above, by receiving the detection value of the detection sensor 120 provided in the outer body portion 100, whether the skimming device is mounted and the detection sensor 120 of the outer body portion 100 The financial terminal is controlled according to the operating state of the terminal.

On the other hand, the outer body portion 100, may be configured to be separated from the financial terminal or integrated with the card reader 11 of the financial terminal, will be described in each case.

First, as shown in FIG. 8, the case where the outer body part 100 is configured to be separated from the financial terminal will be described.

As shown in FIG. 8, when the outer body portion 100 is separated from the financial terminal, the outer body portion 100 is formed so that the card slit hole 100h1 and the card insertion hole 11h1 correspond to each other. Is attached to the card insertion opening (11h1), the control unit 200 is configured to receive the detection value of the detection sensor 120 by wireless.

A concrete description with reference to FIG. 9 is as follows.

The outer body unit 100 supplies power to the wireless transmission module 140, the detection sensor 120, and the wireless transmission module 140 for transmitting the detection value of the detection sensor 120 to the control unit 200. It further comprises a power supply module 150 for supplying.

On the other hand, the control unit 200, the storage module 210 for separately storing the image information of the camera 13 in the emergency mode of the financial terminal, the wireless receiving module receiving the detection value transmitted from the wireless transmission module 140 220, a determination module 230 for determining whether a skimming device is attached and / or a normal operating state of the outer body unit 100 based on the detected value received by the wireless receiving module 220, the financial terminal. It is configured to include an emergency module 240 to control the emergency mode.

Therefore, the detection sensor 120 supplied with power from the power module 150 detects whether the skimming device is attached, and the wireless reception module of the controller 200 receives the detected value detected by the wireless transmission module 140. Send to 220.

The determination module 230 determines whether the skimming device is attached and / or the normal operation state of the outer body unit 100 according to the detection value transmitted to the wireless receiving module 220, and the emergency mode of the financial terminal. Is required, the emergency module 240 controls the financial terminal in the emergency mode.

Next, as shown in FIG. 10, the case where the outer body part 100 ′ is integrally formed with the card reader 11 ′ of the financial terminal will be described.

As shown in FIG. 10, when the outer body part 100 'is integrally formed with the card reader 11' of the financial terminal, the card slit hole 100h1 'and the card insertion hole 11h1' are formed. Are integrally configured to communicate with each other, and the control unit 200 'is configured to receive a detection value of the detection sensor 120' by wire.

A detailed description with reference to FIG. 11 is as follows.

The outer body part 100 ′ is configured to further include a wired transmission module 140 ′ for transmitting the detection value of the detection sensor 120 ′ to the control unit 200 ′. It is connected to the wired reception module 220 'by wire. In this case, the outer body part 100 ′ may be supplied with power through the control unit 200 connected to the main system 15 of the financial terminal.

On the other hand, the control unit 200 ', the storage module 210' for separately storing the image information of the camera 13 in the emergency mode of the financial terminal, the wired to receive the detection value of the detection sensor 120 'by wire Determination module 230 for determining whether the skimming device is attached and / or the normal operation state of the outer body part 100 'based on the detection value received by the receiving module 220' and the wired receiving module 220 '. '), Comprising an emergency module 240' for controlling the financial terminal in an emergency mode.

Accordingly, the detection sensor 120 'detects whether the skimming device is attached, and transmits the detected value detected by the wired transmission module 140' to the wired reception module 220 'of the controller 200.

The determination module 230 'determines whether the skimming device is attached and / or the normal operation state of the outer body unit 100' according to the detected value transmitted to the wired reception module 220 ', and the financial terminal. When the emergency mode is required, the emergency module 240 'controls the financial terminal to the emergency mode.

An operation procedure of the anti skimming system will be described with reference to FIG. 12.

The control unit 200 is configured to receive the detection value from the detection sensor 120 of the outer body unit 100, and determines whether or not the normal detection value is transmitted from the detection sensor 120.

When the normal detection value is transmitted from the detection sensor 120, the control unit 200 determines whether there is information on the attachment of the skimming device to the detection value of the detection sensor 120.

At this time, if the detection value of the detection sensor 120 does not have information about the attachment of the skimming device, the above two determinations are continuously made.

On the other hand, while the two determinations as described above, if the normal detection value is not transmitted from the detection sensor 120 or there is information on the attachment of the skimming device to the detection value of the detection sensor 120 In this case, the control unit 200 controls the financial terminal in an emergency mode so that the financial terminal main system 15 is stopped and an error message is output to the financial terminal display 17, and the screen of the financial terminal touch screen is displayed. To block the process of making it unusable and to notify the control center of the error information.

After that, the administrator checks the error information and restores the financial terminal so that it can be used normally.

Although the present invention has been described with reference to the preferred embodiments thereof with reference to the accompanying drawings, it will be apparent to those skilled in the art that many other obvious modifications can be made therein without departing from the scope of the invention. Accordingly, the scope of the present invention should be interpreted by the appended claims to cover many such variations.

10: Financial terminal 11, 11 ': Card reader
11a: body 11h1: card insertion hole
11h2: receipt outlet 13: camera
15: main system 17: display
100, 100 ': Outer body 100h1, 100h1': Card slit hole
100h2, 100h2 ': Receipt slit hole 110a, 110b: protrusion
120, 120 ': Sensor 130: Finger receiving groove
140: wireless transmission module 140 ': wired transmission module
150: power supply module 200, 200 ': control unit
210, 210 ': storage module 220: free player module
220 ': New player module 230, 230': Judgment module
240, 240 ': Emergency Module

Claims (8)

In the anti skimming system of the financial terminal,
An outer body portion including at least one protrusion protruding forward from at least one point of the front surface, a slit hole penetrating backward from the front surface to guide the insertion of the card into the card insertion hole of the financial terminal, and a sensing sensor exposed on the front surface;
On the basis of the detection value of the sensor, if it is determined that the skimming device is attached to the outside of the outer body portion or is not in the normal operation state of the outer body portion to the main system of the financial terminal to control the financial terminal in the emergency mode. Anti-skimming system comprising a; control unit for transmitting a control signal.
The method of claim 1,
Each of the protrusions is formed to be curved at both ends of the outer body portion, and each of the protrusions is formed to be recessed to be curved backward to form a finger receiving groove, wherein the card slit hole is formed between each of the protrusions Anti skimming system.
The method of claim 1,
The control unit is an anti-skimming system, characterized in that it comprises a storage module for storing the image information of the financial terminal camera for a predetermined time before and after the time to control the financial terminal in the emergency mode.
The method of claim 1,
The outer body portion is separated from the financial terminal, the anti-skimming system, characterized in that the outer body portion is attached to the card insertion hole so that the card slit hole and the card insertion hole correspond to each other.
The method of claim 1,
The outer body portion is integrally configured with the card reader of the financial terminal, characterized in that the card slit hole and the card insertion opening is integrally configured to communicate with each other.
The method according to claim 4 or 5,
The outer body unit is configured to further include a wired transmission module for transmitting the detection value of the detection sensor to the control unit,
The controller determines whether one or both of the wired reception module receiving the detection value of the detection sensor and the normal operation state of the outer body unit and the attachment of the skimming device based on the detection value received by the wired reception module. Module, comprising an emergency module for controlling the financial terminal in the emergency mode.
The method of claim 4, wherein
The outer body unit is configured to further include a wireless transmission module for transmitting the detection value of the detection sensor to the control unit, a power module for supplying power to the detection sensor and the wireless transmission module,
The control unit may be any one or two of a wireless reception module receiving the detection value transmitted from the wireless transmission module, the presence or absence of a skimming device attached to the wireless reception module, and a normal operation state of the outer body unit. Anti-skimming system comprising a determination module for determining a different, emergency module for controlling the financial terminal in the emergency mode.
The method of claim 1,
The emergency mode of the financial terminal includes at least one of a main system stop processing of the financial terminal, an error message output processing on the display of the financial terminal, a touch screen blocking process of the financial terminal, and an error information transmission process to the control center. Featuring anti skimming system.

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