KR20040006126A - The surveillance system of credit card and surveillance methods thereof - Google Patents

Abstract

PURPOSE: A system for sensing an illegal use of a credit card and a sensing method thereof are provided to arrest a criminal rapidly by recognizing an illegal use in real time and informing an urgent situation message to an adjacent police station when the illegal use of a credit card is generated. CONSTITUTION: A financial automation device(100) reads magnetic recorded information including credit card inherent number information recorded on a magnetic code attached on a credit card and receives a credit teller service including credit card password information of a corresponding user and credit teller service amount information. A member information DB(201) includes the first password which is used in a normal state and the second password which is used in an abnormal state. An administrative district police station list information DB(202) classifies nationwide police stations according to the district boundaries and stores each address and telephone of police stations. When a credit card is used abnormally, an ARS voice information DB(203) automatically stores a corresponding message. A credit teller service supply system(200) reads a normal use or an abnormal use of a credit card using credit card inherent number information being transmitted in the financial automation device(100) and credit card password information. If the credit card is used abnormally, the credit teller service supply system(200) transmits a corresponding automatic response message.

Description

The surveillance system of credit card and surveillance methods

The present invention relates to a credit card fraud monitoring system and a monitoring method for recognizing a fraudulent use of a credit card in real time and providing a quick countermeasure in connection with a relevant police box. In the event that a password used for fraudulent use is entered, it recognizes this and sends an emergency message from the place where the credit card was used to the nearest jurisdiction in real time, so as to respond promptly to avoid financial and human damage. A system and method for minimizing prevention are provided.

Credit cards are being spread exponentially due to the convenience of use and the encouragement of the government.

The reason for the large increase in the spread of credit cards is that the magnetic code attached to the credit card includes the user's personal information and the credit card's unique number information. To provide convenience to both users and affiliates, and to receive cash service, the user's identity is determined by determining whether the password registered in advance in the system operated by the credit card service provider is the same as the password entered by the user. After that, if it is determined that you are the user, it provides the user with the convenience of receiving a certain amount of cash.In addition, the government can secure the tax revenue and provide services such as tax credits according to the amount of credit card used. Because it is encouraging.

However, in spite of the above-mentioned advantages, in recent years, crime cases caused by the illegal use of credit cards have been continuously published, which is emerging as a social problem. For example, cases of criminal withdrawal of credit cards by coercion of others and forced withdrawal of cash by forced password leakage often occur. Since it can not cope with the problem, there is a disadvantage that causes not only financial damage to the user but also damage to life.

The present invention is to solve the problems of the prior art, an object of the present invention is to recognize in real time when the fraudulent use of the credit card, the emergency message in the relevant jurisdiction located in the nearest jurisdiction and the place where the crime damage occurred The present invention provides a credit card fraud monitoring system and a monitoring method for preventing or minimizing the financial and human damage caused by fraudulent use of a credit card by notifying the public. .

Credit card fraud monitoring system of the present invention for achieving the above object is to read the magnetic record information including the credit card unique number information recorded in the magnetic code attached to the credit card, the user's credit used as authentication means The automated teller machine receives cash service request information including card password information and cash service amount information required by the user, and dual password information, which is a first password used in normal use and a second password used in fraudulent use. DB containing member information, jurisdictions scattered throughout the country divided into jurisdiction administrative districts, and jurisdiction list information DB, where the address and phone number of police box divided by jurisdiction administrative districts are stored Operate the ARS voice information DB where the corresponding message is stored as an automatic response, and the financial automation A cash service providing system that reads whether the credit card is normally used by using the unique credit card information and the credit card password information transmitted from the card, and transmits an automatic response message corresponding to the illegal use of the credit card, and the cash service is provided. Characterized in that it includes a jurisdiction wired terminal for receiving an automatic response message transmitted from the system.

In addition, as a monitoring method using the credit card fraud monitoring system, contacting a credit card to the reading means provided in the automated teller machine and reading the magnetic record information including the credit card unique number information and the personal information of the user And after reading the magnetic record information, inputting the credit card password of the corresponding user to the password input unit of the automatic teller machine, receiving the input password from the cash service providing system, and matching the transmitted password with the member information DB. Checking whether the first password is normally used or the second password is used incorrectly; and if the input password is determined to be the second password, a corresponding cash flow is requested in the cash service providing system. DB of jurisdiction list information per administrative district in the jurisdiction located in the nearest area of the device Extracting the telephone number information of the relevant jurisdiction by searching in the; and extracting voice information corresponding to the credit card fraud from the ARS voice information DB, and referring to the extracted ARS voice information with reference to the retrieved phone number information. Sending a wired terminal to the jurisdiction to notify the emergency message, the step of outputting the cash amount input screen on the LCD of the automated teller machine, and the cash amount input unit provided on the output cash information input screen cash in accordance with the input form It provides a method for monitoring the fraudulent use of credit cards, including the step of inputting the amount of money and the withdrawal of cash from the automated teller machine.

According to the present invention configured as described above, when a credit card is issued, a password is doubled, and a password used for fraudulent use is recognized, and it is recognized in real time at the place where the credit card is used in the nearest region. By sending an emergency message to the jurisdiction police box located in the area, the criminal can be arrested at an early stage, thereby promptly responding and minimizing the prevention of financial and human damage.

1 is a schematic system configuration diagram of a credit card fraud monitoring system for monitoring fraudulent use of a credit card of the present invention;

Figure 2 is a flow chart illustrating the steps of monitoring the fraudulent use of credit cards by the credit card fraud monitoring method of the present invention.

<Code Description of Main Parts of Drawing>

100: automated teller machine 200: cash service providing system

201: Membership Information DB202: Jurisdiction List Information DB by Administrative District

203: ARS voice information DB300: wired terminal in jurisdiction

Hereinafter, with reference to the accompanying drawings, the configuration and operation of the present invention will be described in detail.

1 is a schematic system diagram of a credit card fraud monitoring system for monitoring fraudulent use of a credit card.

As shown, reading the magnetic record information including the credit card identification number recorded on the magnetic code attached to the credit card, the credit card password information of the user used as an authentication means and the cash service required by the user Financial information machine 100 receives cash service request information including the amount information, and the member information DB (201) including double password information that is the first password used in normal use and the second password used in fraudulent use In addition, the jurisdiction (the police box or branch office) scattered throughout the country is divided into jurisdiction administrative districts, and the jurisdiction list information DB (202) of the jurisdictions where the address and phone numbers of the police stations divided by the jurisdiction administrative districts are stored In the case of fraudulent use, a corresponding message is operated by the ARS voice information DB 203 stored as an automatic response and transmitted from the automated teller machine 100. The cash service providing system 200 reads whether the credit card is normally used using the credit card unique number information and the credit card password information, and transmits an automatic response message corresponding to the illegal use of the credit card, and the cash service providing system. Comprising a jurisdiction wired terminal 300 for receiving an automatic response message transmitted from (200).

The automated teller machine 100 typically uses a cash dispenser (CD) or an automated teller machine (ATM) that provides a certain amount of cash service by inputting a password, and is provided in the automated teller machine 100. The magnetic record information of the credit card read by contacting the credit card on the readout means includes the personal information of the user as well as the credit card unique number information.

The member information DB 201 is stored with dual password information as well as personal information including the user's name, social security number, contact phone number and address.

The voice information stored in the ARS voice information DB 203 is information transmitted to the wired terminal 300 of the relevant jurisdiction when it is determined that the credit card is fraudulent. For example, the second password used in the case of fraudulent use is a specific region (cooperative) ), The cash information corresponding to the "Cash Cash Machine (CD) of Daejodong Branch Seoul Bank has a cash withdrawal occurred at 21: 9. Please ask police personnel to go." Voice information is transmitted to the wired terminal 300 in the relevant jurisdiction. In addition, an ARS operation module capable of operating the ARS voice information DB 203 is separately provided in the cash service providing system 200, and corresponding voice information in the ARS voice information DB 203 is provided by the provided ARS operation module. Extraction control and jurisdiction of the wired terminal 300 may perform a call connection.

The cash service providing system 200 is a system operated by a credit card provider that issues a credit card.

The information transmission path between the automated teller machine 100, the cash service providing system 200, and the jurisdiction wired terminal 300 is typically transmitted using a public switched telephone network (PSTN).

2 is a flowchart illustrating steps of monitoring a fraudulent use of a credit card by a credential fraud monitoring system.

As shown, the step of reading the magnetic recording information including the credit card unique number information and personal information of the user by contacting the credit card to the reading means provided in the automated teller machine (S100) and the magnetic After reading the record information, the step of inputting the credit card password of the user corresponding to the password input unit of the automated teller machine (100) (S110), the cash service providing system 200 receives the input password, the transmitted password Checking whether it is the first password used in normal use or the second password used in an illegal use by matching the member information DB 201 (S120), and if the input password is determined as the second password, a cash service The jurisdiction located in the closest region of the financial automatic device 100, for which the cash service is requested in the providing system 200, is checked in the jurisdiction list information DB 202 for each administrative district Extracting phone number information of the relevant jurisdiction (S130), and extracting voice information corresponding to the credit card fraud when using the ARS voice information DB 203, and referring to the retrieved phone number information. Transmitting the voice information to the wired terminal of the relevant jurisdiction to notify an emergency message (S140), and outputting a cash amount input screen to the LCD of the automated teller machine 100 (S150); It comprises a step (S160) of inputting the cash amount in accordance with the input form in the cash amount input unit provided on the screen, and the step (S170) that cash is drawn in the automated teller machine (100).

Referring to the operation of the present invention using the flow chart as follows.

First, the user can use the second password, which is the second password used in case of emergency, such as the use of the credit card by the threat of others and the first password used as an authentication means when the user normally uses the credit of the present invention. You must get a card.

In general, in order to withdraw cash, when the credit card is in contact with the reading means provided in the automated teller machine 100, the teller machine 100 credits the user's credit which is the magnetic record information recorded in the magnetic code of the credit card. After reading the card unique number information (S100), an authentication execution screen including a password input unit is output on the LCD of the automatic teller machine.

When the user inputs his / her password on the password input unit by using a keypad installed at one end of the automatic teller machine (S110), the password information of the corresponding user and the credit card identification number information of the corresponding user are read through a public telephone network. The cash service providing system 200 is transmitted.

The cash service providing system 200 matches the transmitted credit card unique number information and the password information with the member information DB 201, and the first password information stored in the member information DB 201. Among the second password information, which password is matched is searched (S120).

Here, the credit card unique number information and the password information transmitted from the automated teller machine 100 to the cash service providing system may not be transmitted simultaneously, but may be sequentially transmitted and matched with the member information DB 201.

If the retrieved password coincides with the second password information to be used in case of an urgent situation such as coercion of another person, the cash service providing system 200 in the jurisdiction list information DB 202 for each administrative area in the financial automated device 100 Search for the address information of the jurisdiction located in the nearest area at the place where) is installed, and extract the phone number information included in the list of the jurisdiction (S130).

Here, the address information search of the jurisdiction located in the nearest region is stored in the jurisdiction of the jurisdiction in the jurisdiction of the jurisdiction. Enable search.

The cash service providing system 200 extracts the phone number information of the nearest jurisdiction, extracts the voice information corresponding to the credit card fraud from the ARS voice information DB 203, and the jurisdiction wired terminal 300 through the public telephone network. By making a call connection with the person in charge in the relevant jurisdiction performs a call connection (S140).

Here, the cash service providing system 200 is provided with an ARS operation module separately, by the provided ARS operation module extraction control of the corresponding voice information from the ARS voice information DB 203 and the call to the jurisdiction wired terminal 300. You can also perform a connection.

In addition, in addition to the notification using the ARS voice information, an operator (credit card service provider) operating the cash service providing system using a wired terminal may use the wired terminal (S140). It is also possible to notify by phone directly.

The automatic teller machine 100 outputs a cash amount input screen on the LCD at the same time as the cash service providing system 200 searches the address information of the closest region of the relevant jurisdiction in the jurisdiction list information DB 202 for each administrative area. S150), the user inputs the cash amount input unit according to the input form using the keypad (S160), and the inputted cash amount request information is transmitted to the cash service providing system 200 through the public telephone network.

The cash service providing system 200 controls the withdrawal S170 by the amount requested by the user from the financial automatic device 100 with reference to the transmitted cash amount request information.

In this way, when the user uses the credit card fraudulently, an emergency message is sent to the relevant jurisdiction while the amount requested by the user is withdrawn. Therefore, it is possible to respond quickly to the emergency, resulting in financial and human damage. It is possible to prevent or to minimize.

As described above, the present invention, when fraudulent use of the credit card occurs in real time by notifying the emergency message to the relevant jurisdiction that is located in the nearest place and the place where the crime damage occurred so that criminals can be detected early As a result, it is possible to prevent or minimize the financial and human damage caused by the illegal use of the credit card.

Although the invention has been described in detail only with respect to the described embodiments, it will be apparent to those skilled in the art that modifications and variations can be made within the spirit and scope of the invention, and such modifications and variations will fall within the scope of the appended claims.

Claims (5)

Reads the magnetic record information including the credit card identification number recorded on the magnetic code attached to the credit card, and includes the credit card password information of the user used as an authentication means and the cash service amount information required by the user. A financial automated device (100) receiving cash service request information; The member information DB 201 including double password information, which is the first password used in normal use and the second password used in fraudulent use, is divided into jurisdiction administrative districts (police box or branch office) scattered throughout the country. DB (202) of jurisdiction list information by administrative district where address and phone number of police box divided by jurisdiction administrative district are stored, and ARS voice information DB (203) which stores corresponding message in response to fraudulent use of credit card is operated. And, using the credit card unique number information and credit card password information transmitted from the automated teller machine 100 reads whether the normal use of the credit card, cash service for transmitting an automatic response message corresponding to the misuse Providing system 200, Credit card fraud monitoring system comprising a jurisdiction wired terminal (300) for receiving an automatic response message sent from the cash service providing system (200). The method of claim 1, The cash service providing system 200 further comprises an ARS operation module for controlling to extract the corresponding voice information from the ARS voice information DB 203 and to perform a call connection on the jurisdiction wired terminal 300. Characterized by credit card fraud monitoring system. Contacting the credit card with the reading means provided in the automated teller machine 100 to read magnetic recording information including the credit card identification number information and the personal information of the user (S100); Inputting the credit card password of the corresponding user to the password input unit of the automatic teller machine 100 after reading the magnetic record information (S110); Receiving the input password from the cash service providing system 200 and matching the transmitted password with the member information DB 201 to determine whether the first password is normally used or the second password is used incorrectly. (S120), If the input password is determined as the second password, the jurisdiction list of the jurisdiction located in the closest region of the corresponding automated teller machine 100 in which the cash service is requested in the cash service providing system 200, the jurisdiction list information DB for each administrative region ( Searching in step 202 to extract the phone number information of the relevant jurisdiction (S130), When fraudulent use of the credit card in the ARS voice information DB 203, extracts the voice information corresponding to this, and transmits the extracted ARS voice information to the wired terminal of the relevant jurisdiction to notify the emergency message by referring to the retrieved phone number information Step S140, Step (S150) and outputting the cash amount input screen on the LCD of the automated teller machine 100, Inputting a cash amount in accordance with an input form in the cash amount input unit provided in the output cash information input screen (S160); Credit card fraud monitoring method characterized in that it comprises a step (S170) that the cash in the automatic teller machine 100. The method of claim 3, In the step S140, the notification of the message indicating the emergency situation to the wired terminal (300) in the jurisdiction of the nearest neighbor area is notified by the ARS voice information, characterized in that the monitoring of fraudulent credit card. The method of claim 3, In the step S140, the notification of the message indicating the emergency to the jurisdiction wired terminal 300 of the nearest neighbor area, the operator operating the cash service providing system directly using the wired terminal, the jurisdiction wired terminal 300 How to monitor the fraudulent use of credit cards, characterized in that the notification by telephone connection.