KR19990041675A - User verification method and device of financial terminal - Google Patents

Abstract

The present invention relates to a method and device for verifying a user of a financial terminal, wherein the identity of an operator who uses the financial terminal is double-checked by personal information and password verification, thereby preventing theft of the magnetic card due to the forgery and tampering of the card. To improve the security of the financial system.

Such a user confirmation method of a financial terminal includes a first step of reading an IC card and determining whether personal unique information among the read information is registered in the host computer; If personally-identifiable information is registered on the host computer, by reading the personal password stored on the IC card to determine whether it is registered on the host computer, and including the second step of determining whether to access the host computer according to the result. Is achieved.

Description

User verification method and device of financial terminal

The present invention relates to a financial business keyboard equipped with a card reader, and more particularly, when an operator uses the financial business terminal, the financial user can double check the identity of the operator as well as prevent counterfeiting and tampering of the magnetic card. A method and apparatus for checking a user of a terminal are provided.

In general, the keyboard 1 connected to a terminal in a financial institution is provided with a card reader 3 at a predetermined position, as shown in FIG. 1, and is controlled by a connection means such as a connector 5. (Not shown). The card reader 3 is required at the time of financial work to confirm the identity of the operator using the terminal of the financial institution, and can start work after the identity verification of the operator is normally performed.

At this time, the card 7 inserted into the card reader and read is a magnetic stripe card, which is commonly used daily, and data contained in a company ID card, a member card or a public telephone card, including a credit card of a financial institution. Will be used. A magnetic stripe is a magnetic tape such as a recording tape attached to a plastic card. The magnetic stripe is magnetized so that only data bits are distinguished from ON or OFF.

In the financial service keyboard, when the operator performs the financial service, the magnetic stripe card 7 is first read by the card reader 3, and the card reader 3 is recorded on the magnetic stripe card 7. After reading the data, the controller compares the data with data previously stored in the memory of the host computer.

When the data entered in the data comparison operation matched with the pre-stored data, the operator performs financial work. However, when the data does not match and an error occurs, the operator cannot access the host computer and thus cannot perform the work.

However, the financial keyboard of the related art has a problem in that data recorded on the magnetic stripe of the card is easily forged and tampered with, and security is unclear due to the confirmation of the primary operator, so that anyone can easily access the financial system. There was this.

Accordingly, an object of the present invention is to improve the security of the financial system by preventing the theft of the magnetic card due to the forgery and tampering of the card by double checking the identity of the operator using the financial terminal to improve the problems of the prior art described above. To provide a user identification method and apparatus of a financial terminal to improve the.

1 is a schematic perspective view showing a financial business keyboard according to the prior art,

2 is a perspective view showing a user confirmation device of a financial terminal according to the present invention;

3 is a flowchart illustrating a user verification process of a financial terminal according to the present invention.

<Description of Symbols for Main Parts of Drawings>

10 financial keyboard 13 card reader

15: first connector 17: second connector

19: IC card

In order to achieve the above object, a user confirmation method of a financial terminal according to an aspect of the present invention includes a first process of reading an IC card and determining whether personal unique information is registered in a host computer among the read information. and; When the personal unique information is registered in the host computer, the personal password stored in the IC card is read to determine whether it is registered in the host computer, and based on the result, the system determines whether to access the host computer. It is characterized by including two processes.

In addition, in order to achieve the above object, the user identification device of the financial terminal according to another aspect of the present invention, the IC card and the personal identification information and password stored for the user requesting access to the host computer and the like; ; An IC card reader for reading various data stored in the IC card; And a connector for transmitting data read from the IC card reader to the host computer.

Herein, the connector is separated from the keyboard connector so as to transmit data read from the IC card reader, and is configured as a separate serial input / output port.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

2 is a perspective view showing a user confirmation device of a financial terminal according to the present invention. As shown therein, a card reader 13 for reading an IC card (Integrated circuit Card) 19 is provided on a portion of the keyboard 10, and the data read by the card reader 13 is read by a host computer. And connecting means such as a second connector 17 for transmission in order to compare with data stored in a memory (not shown in the figure). The second connector 17 is a " SIO PORT (Serial Input / Output Port) " that allows the IC card to be read and stored by a financial business program.

The first connector 15 is a general connector for transmitting signals such as character keys, control keys, cursor keys, and the like of the keyboard.

Here, the IC card 19 includes an IC memory such as " EEPROM (Electrically erasable and programmable ROM) ", in which the personal unique information and the password registered by the individual at the time of issuing the IC card are recorded.

The personal information recorded in the memory of the IC card is also recorded in the memory of the host computer.

In the financial business keyboard 10 configured as described above, the operator inserts the IC card 19 into the card reading unit 13 to start the financial business. The card reading unit 13 reads the personal information recorded in the EEPROM of the IC card 19 and then transmits it to the control unit (not shown in the drawing) via the second connector 17.

Then, the control unit compares the transmitted personal information with the personal information recorded in the host computer at the time of issuing the IC card, and returns to the initial state if the data indicating the identification of the individual do not coincide with each other.

If the data match, the controller continues to request the input of the personal password recorded on the IC card 19. The personal password is the same as that given to a general cash card, credit card, etc., and is a unique number assigned to each individual card at the time of issuing the first IC card 19.

After inputting the password, if the read data is transmitted through the second connector 17, the control unit compares the password registered at the time of issuance of the IC card by each individual, and if the passwords coincide with each other, perform the financial work. The access process is made.

However, if the password does not match in the password input process, the password is repeatedly input again, and if an error occurs in the password input several times, the financial business access process is canceled.

As described in detail above, the present invention double checks the identity of the operator who uses the financial terminal by checking the personal information and password recorded in the IC card, thereby making it impossible to forge and tamper with the card. Even if the minutes are enforced, the leakage of the password is prevented, so that the financial business can be handled safely.

Claims (5)

A first step of reading an IC card and determining whether personal unique information among the read information is registered in the host computer; When the personal unique information is registered in the host computer, the personal password stored in the IC card is read to determine whether it is registered in the host computer, and based on the result, the system determines whether to access the host computer. A user confirmation method of a financial terminal, comprising the two steps. The method of claim 1, wherein the information recorded on the IC card comprises personal unique information and a personal password. An IC card storing personally unique information and a password on a user requesting access to a host computer; An IC card reader for reading various data stored in the IC card; And a connector for transmitting data read from the IC card reader to the host computer. 4. The apparatus of claim 3, wherein the connector is separated from the keyboard connector so as to transmit data read from the IC card reader, and configured as a separate serial input / output port. 4. The apparatus of claim 3, wherein the IC card reader is provided on an upper surface of the keyboard.