KR20010079153A - Security Code Operation Method in Cash Dispenser and Credit Card Verification System - Google Patents

Abstract

PURPOSE: A method for operating a security code of a cash dispenser and a credit inquiry unit is provided to operate a banking system capable of providing a screen for entering a security code as well as a password in a cash dispenser or a credit card inquiry unit. CONSTITUTION: A service subscriber confirms a security code through a mobile communication terminal for cash withdrawal or credit card transaction. Next, the subscriber requests for a transaction through a cash dispenser and a credit card inquiry unit. At this time, the confirmation of a personal information is requested by providing a security code input process as well as a password input process on a screen. A transaction approval server of a bank and a credit card company responds to a security code input message and checks whether an input security code is a right security code. If the security code is right, the transaction is approved.

Description

Security Code Operation Method in Cash Dispenser and Credit Card Verification System}

The present invention relates to a method of operating a security code in an ATM and a credit card checker, and an object of the present invention is when a bank customer makes an on-line transaction using a bank account or a debit card or a credit card user. When a credit transaction is performed at a credit card merchant, a security code input function is introduced in addition to a password for the transaction in the transaction and approval process to provide a safer financial transaction to the customer.

So far, customers have only entered their passwords to authenticate transactions when withdrawing cash or making credit card transactions. In the above case, if the password is exposed, the password exposure customer had to take a lot of damage. The method of using multiple passwords fixedly according to the situation also cannot be free from forgery of credit cards and cash cards, and it is actually difficult to memorize all the passwords assigned to each bank and credit card company.

The present invention has been invented to prevent the risk of password leakage in the conventional financial transaction, the application No. 10-2001-0024221 filed before the invention 'credit card and on-line financial transaction method using a mobile communication terminal' Its purpose is to operate a financial system that can provide a screen for entering a security code in addition to a password input function to a credit card checker or cash dispenser so that it can be used in a financial transaction.

1 is a representative view showing a process of operating the security code in the ATM according to an embodiment of the present invention.

2 is a block diagram of a conventional ATM machine display.

Figure 3 is a block diagram showing the process of entering the security code in the ATM according to an embodiment of the present invention.

4 is a flowchart illustrating an operation of an ATM machine showing a process of inputting a security code according to an embodiment of the present invention.

<Description of the code | symbol about the principal part of drawing>

10: ATM machine initial screen 20: Password and security code input screen

30: Password input screen 40: Security code input screen

The present invention has been invented for the 'application of a credit card and on-line financial transaction using a mobile communication terminal', and the application number 10-2001-0024221, which has been previously filed, is capable of transmitting a security code through a credit card authentication terminal within an ATM. To add a program that can enter the security code to provide a screen to enter it.

Looking at the concept of a security code in the 'applied credit card and on-line financial transaction method using the invention mobile application terminal No. 10-2001-0024221, the security code is a credit card and cash card password for secure financial transactions In addition to the code managed by the bank and credit card transaction system, the security code generated at this time is transmitted to the mobile terminal of the cash card and credit card holder, and stored in the member database of the bank and credit card company. At this time, the information of the mobile terminal number, mobile communication service company, etc. of the credit card and credit card user must be stored in the member database of the bank and credit card company. When a credit card transaction is made using a security code, the credit card user must first present a security code, and the security code is transmitted to the credit card transaction approval system through the authentication terminal of the merchant. The transaction code is approved after comparing the security code of the member stored in the member database of the credit card company. In the case of the bank's cash card transaction for the security code, after receiving the security code through the mobile communication terminal, the cash card is inserted into the cash withdrawal terminal, and then the transaction approval is input by inserting the security code in addition to the password. Will be done. Herein, the concept of a security code is called a security code for convenience and may be used as another term that may explain the idea of the present invention.

Hereinafter, a method of operating a security code in an ATM and a credit card inquiry machine according to the present invention will be described in detail.

1 is a representative view showing a method of operating a security code in an ATM and a credit card inquiry machine according to an embodiment of the present invention.

Referring to FIG. 1, first, a financial transaction user who receives a security code according to the invention filed in application number 10-2001-0024221, 'Credit card and on-line financial transaction method using a mobile communication terminal', needs a financial transaction. If you check the security code sent to your mobile terminal. Next, after inserting the cash card and credit card into the ATM machine for the financial transaction, select an item such as deposit withdrawal, deposit inquiry, deposit transfer, lesson / tuition fee, loan / saving, etc. The next screen 20 for input and security code entry will appear. Subsequently, the financial trader enters a password and the security code and performs a necessary transaction.

2 is a block diagram of a conventional ATM screen display device, which allows a bank customer to make a desired transaction through a transaction menu displayed on the ATM screen 10. The conventional ATM machine screen display device is configured as shown in FIG. The recorded data stored in the video RAM 70 is converted into an image signal by the color signal RGB encoder 80 to display a transaction menu on the ATM screen 10. The present invention is characterized by providing a security code input screen 40 during a financial transaction by adding the security code processing content to such a conventional ATM screen operating program.

3 is a block diagram showing a process of inputting a security code in an ATM according to an embodiment of the present invention. The security code input screen can be configured to program so that the security code and password can be input on the same screen as shown in FIG. 1, and after providing the password input screen 30 as shown in FIG. The program can be configured in such a way that the screen 40 is inputted so that the security code can be inputted. On the contrary, the screen program can be configured so that the security code can be entered first and the password can be entered. In addition, the password input process may be omitted, and the security code input screen 40 may be provided to configure a financial transaction.

In more detail with reference to Figure 4, the cashier confirms the security code received by the previously applied application No. 10-201-0024221 invention 'credit card and online financial transaction method using a mobile communication terminal' and then cash After inserting the card and bankbook into the ATM and selecting a transaction such as deposit withdrawal or inquiry (S1), the screen is switched and a password and security code input request message appears (S2). Next, the financial trader enters a password and security code, and financial transaction approval systems such as banks and credit card companies check whether the password and security code match (S3), and if it matches, approves the transaction (S4) and the screen for the next transaction. To financial traders. At this time, if the password and security code mismatches more than three times, the financial trader must go to the window and go through the identity verification process before making a transaction. In addition, the present invention will be applicable to the process of checking the security code through the security card provided to the customer from the financial company, including banks and credit card companies for cash withdrawal and credit card transactions.

In order to understand the present invention, the application number 10-201-0024221 filed for the understanding of the invention 'credit card and on-line financial transaction method using a mobile communication terminal' briefly mentioned, The service use step includes a security code receiving step of receiving a security code from a bank or credit card company transaction approval system through a predetermined contract procedure in advance and receiving a security code from the bank or credit card company transaction approval system; A password input step of the bank card and credit card user inputting a password into a mobile communication terminal of the user to request a cash card and credit card transaction; A security code checking step of selecting a customer such as a credit card, a bank, a securities, a department store, or the like to check a security code transmitted from the transaction approval system; A security code transmission step of collecting the security code, transaction date and time, transaction details, installment details, and the like and transmitting the information to a bank and credit card company transaction approval system through an ATM and a credit card authentication terminal; The transaction approval system is made of a transaction approval step of confirming whether or not the security code is matched, and final approval based on this.

As described above, the present invention may contribute to the establishment of a safer financial transaction culture by allowing an additional security code transmitted to a mobile communication terminal of a financial trader in addition to inputting a password during cash withdrawal and credit card transaction. Can be.

While the present invention has been described and illustrated with respect to specific embodiments, it will be apparent to those skilled in the art that various modifications and variations are possible within the spirit of the present invention, and such modifications and modifications belong to the appended claims. It will be natural.

Claims (3)

In the method of operating the security code of the ATM and credit card checker, First, the service user member checks the security code through the mobile communication terminal for cash withdrawal and credit card transactions; Next, the member requests a transaction through an ATM and a credit card checker, wherein a process of requesting personal information verification is provided by providing a security code input process on the screen in addition to a password input process; A transaction approval server of a bank and a credit card company, responsive to the security code input message, checking whether the security codes match when the security code is input; Security code operating method of the ATM and credit card query, characterized in that for providing a security code input process characterized in that the transaction can be approved if the security code matches. In the method of operating the security code of the ATM and credit card checker, First, the service user member checks the security code through a security card provided by a financial company including a bank and a card company for cash withdrawal and credit card transactions; Next, the member requests a transaction through an ATM and a credit card checker, wherein a process of requesting personal information verification is provided by providing a security code input process on the screen in addition to a password input process; A transaction approval server of a bank and a credit card company, responsive to the security code input message, checking whether the security codes match when the security code is input; Security code operating method of the ATM and credit card query, characterized in that for providing a security code input process characterized in that the transaction can be approved if the security code matches. The method according to claim 1 and 2, wherein the security code is In addition to a password, authentication information for authenticating a user may be named in a different form and may be provided by a bank or credit card company to a service user in the form of a card, or may be a short message (VMS) or VMS (voice message) to a mobile communication terminal. Security code operating method of the ATM and credit card query, characterized in that the transmission to.