KR20040070379A - A system to protect from a loss raised by a credit card or cash card copied illegally - Google Patents

Abstract

PURPOSE: A system for preventing the damage of an illegally duplicated banking card is provided to effectively prevent or remarkably reduce the damage of the illegally duplicated banking card, and enhance the reliability for the banking card use by adding a floating vertical key as a tool for verifying the validity of the banking card. CONSTITUTION: A database(100) stores/manages the floating verification key and various information. A banking transaction operating system(101) is linked with the database. A banking card issuer(102), a branch terminal(103), an ATM(Automated Teller Machine)(104), a CD(Cash Dispenser)(105), and other banking card handling device(106) read the banking card(107) recording the floating verification key and update the floating verification key by linking with the banking transaction operating system.

Description

A system to protect from a loss raised by a credit card or cash card copied illegally}

The present invention relates to an illegal copying financial card damage prevention system, and a method for preventing damages caused by an illegal copying financial card and a device for dealing with the financial card. The present invention relates to illegal copying and use of a financial card for financial transactions such as credit cards and cash cards. Financial accidents have occurred frequently, but there is an urgent need for a means to effectively block the use of pirated financial cards at the present time when there is no proper prevention.

Through the piracy financial card damage prevention system of the present invention to contribute to solving the above problems to some extent, as a technical problem, the main reason that the use of the existing piracy financial card was easy to determine whether or not piracy card There is no device. Therefore, the present invention provides a means to prevent the use of illegal copying cards by adding a floating verification key (which may change from time to time) to essential data for validity during financial card transactions.

1 is a schematic diagram of the present invention

2 is a flowchart of a card issuing procedure

3 is a flow chart of a validation procedure

4 is a flowchart of a flow validation key manual update procedure.

5 is a flowchart of a verification key recovery procedure

6 is a flow diagram of a security system procedure

* Explanation of symbols for main parts of the drawings

100: financial transaction management DB

101: financial transaction management system

102: financial card issuer

103: branch terminal

104: ATM

105: CD

106: other financial card handling equipment

107: financial card

108: security system

The invention piracy financial card damage prevention system;

It is equipped with an information communication network including wired and wireless Internet network connection environment, and includes a flow verification key, verification result and general information related to the operation of the present invention, and a database for storing and managing the same; A financial device operating system for operating the invention and a means for using a financial card with a liquid verification key recorded in connection with the financial transaction management system through an information communication network, that is, a financial card issuing machine, a branch terminal, an ATM. , CD, and other financial card handling equipment, financial card and security system.

Detailed Description of the Invention Embodiments of the present invention will be described in detail with reference to the accompanying drawings. FIG. 1 is a schematic diagram of the present invention. The card number, password, expiration date, card verification result, authorization code, transaction information, credit rating, available status, and financial terminal Database (DB) 100 for storing and managing the classification code, financial terminal location information, emergency contact network information, flow verification key, verification result of the flow verification key, and other management information, and in conjunction with the database of the present invention A financial transaction management system 101 for operation and an information communication network including wired and wireless Internet network connection environment, etc. are provided, and a financial card with a floating verification key recorded in connection with the financial transaction operation system through the information communication network can be used. Devices equipped with means, i.e., financial card issuer 102, branch terminal 103, ATM 104, CD 105, other financial card handling device 106, financial card 107 and security system 108 and the like.

In order to prevent an accident due to an illegally duplicated financial card, the financial transaction management system 101 provides a method for validating a failure of validating a financial card due to a mismatch of a valid verification key (see step 306 of FIG. 3 or 406 of FIG. 4). Monitoring information to track information (such as financial card information, date and time of failure, type of failure, unique code or location of the terminal, emergency contact information from nearby police stations or police stations or the relevant security company, etc.) and to take prompt action on the incident. Include.

The financial card issuer 102, the branch terminal 103, the ATM 104, the CD 105, and the other financial card handling device 106 may include means for reading a financial card having a flow verification key recorded therein, and an old flow verification. A means for updating the key with a new floating verification key, and also the branch terminal 103, the ATM 104, the CD 105, the other financial card handling device 106, etc. (hereinafter referred to as "financial card terminal"). If necessary, a means of updating the old flow verification key with a new flow verification key may be excluded.

The other financial card handling device 106 includes;

Financial card handling devices mounted on personal computers capable of making payments, transfers, and other payments via the Internet; devices including contactless or contact transportation cards or cellular payment means; and other credit cards, cash cards, transportation Financial card handling devices that provide similar functions to cards, mobile payment cards, etc.

The financial card handling apparatus is characterized in that it comprises means for reading the financial card on which the floating verification key is recorded and or means for updating the floating verification key of the financial card.

In addition, the financial card 107 according to the format for recording the card information,

A magnetic card in which card information including a flow verification key is recorded on a magnetic tape; and

IC card or smart card in which the card information including the flow verification key is recorded on the semiconductor chip;

Internal and external mobile phone payment card in which the card information including the flow verification key is recorded on the semiconductor chip;

CD type or modified type CD card in which the card information including the floating verification key is recorded on the CD;

According to the reading form of the financial card, it may be classified into a contactless card (traffic card, etc.) or a contact card. The financial card of the present invention includes the above-mentioned financial cards and also similar types of financial cards. As used herein, the term "financial card" means not limited to the shape or implementation method, and includes a floating verification key.

The IC card or smart card may be provided with a nonvolatile memory chip (nonvolatile RAM) to repeatedly update the flow verification key.

The CD card includes a rewritable means such as a Rewritable CD, and can be applied in the same manner as the above-described method by continuously updating the flow verification key.

In the case where the security system 108 fails to validate the financial card due to the floating verification key mismatch while performing the operation requested from the “financial card terminal” through the financial transaction management system 101 (FIG. 3). As shown in the "Yes" of step 305 or "Yes" of step 405 of FIG. 4) is to provide a warning and early response means for this is likely to be a pirated financial card,

Receiving step 1 from the "financial card terminal" and the information according to the financial card information and work request (withdrawal, payment, transfer, inquiry, liquid verification key renewal, etc.); and

Performing validation of the financial card; and

Transmitting an alarm code to the corresponding "financial card terminal" when the verification of the floating verification key fails; and

Step 4 of receiving the alarm code from the financial transaction management system; and (see 601 of Figure 6)

Step 5 of performing the action according to the alarm code received; (see 602, 603, 604 of Figure 6),

Step 5;

An alarm step of performing an alarm (warning to a screen such as a warning sound, a light emission, or a monitor) in association with a "financial card terminal"; and (see 603 of FIG. 6).

Alarm occurrence time display step for displaying an alarm occurrence time on a recording medium recorded by an image surveillance apparatus such as CCTV, so that the recording screen at the alarm occurrence time can be easily searched; and (see 602 of FIG. 6).

And requesting dispatch to the relevant security company or nearby police box or police station nearby (see 604 of FIG. 6) associated with the security system 108.

Step 4 above; And step 5 may be configured as a separate alarm device and system embedded in the “financial card terminal” or separated from the “financial card terminal”.

Step 1 above; The process of step 5 may track the progress even in the monitoring system mentioned in the description of FIG. 1, wherein step 1; Step 5; requesting dispatch to the relevant security company associated with the security system 108, the nearby police box, or the neighboring police station, at the judgment of the monitor personnel, in order to perform a more efficient response even when the step 5 is in progress. This monitoring system is provided.

2 is a flow chart of the card issuing procedure (FIG. 200), a registration information input step 201 for inputting necessary information such as the name, resident number, address, and telephone number of the issuing requester according to the financial card issuing request; Verifying the information (202), and if the verification is successfully completed issuing a financial card and reflecting the result in the DB (203).

The financial card issued through steps 201 to 203 reflects the initial flow verification key at the time of issuance of the card.

In applying the value of the floating verification key to the financial card, various methods such as time, random number, and a value that the user specifies can be applied. For example, in applying the time as the floating verification key;

How to apply the year, month, day, date, second, like yyyy-mm-dd hh: mm: ss, like 2003-01-01 12:01:01,

How to apply the year, month, day, date, second, like yyyymmddhhmmss like 20030101120101

How to apply the year, month, day, date, second, like yy-mm-dd hh: mm: ss, like 03-01-01 12:01:01,

How to apply the year, month, date, time, second, like yymmddhhmmss like 030101120101,

The method further includes a random number generation step in applying the flow verification key to the random number, and generates a random number value corresponding to the specified number of digits through the same step and reflects it as the flow verification key value.

How to apply the values you specify as floating validation keys,

There may be various methods such as compressing or encrypting the result value obtained by the above methods and applying the result value as the flow verification key, and the present invention may be adopted as the flow verification key among the values applicable to the various methods. It is a notice.

Depending on how to update the floating verification key, it is divided into automatic update, manual update, and compound update (automatic update + manual update).

Automatic renewal means that the liquid verification key is automatically updated through a "financial card terminal" equipped with a liquid verification key renewal function when using a financial card.

Manual renewal means that financial card users renew at any time using a "financial card terminal" or "current verification key exclusive renewal device" (a device whose main function is to renew the current verification key) at will. 4),

Complex update means to operate by applying all of the above automatic update and manual update.

The automatic renewal, manual renewal, and complex renewal include financial card issuer 102, "financial card terminal" and "current verification key-only renewing device", and the like;

Update means for updating the flow verification key when the validity of the read financial card information is successful (see 302, 303 of FIG. 3 or 402, 403 of FIG. 4 or 503, 504 of FIG. 5);

The automatic renewal, manual renewal, and complex renewal are merely methods that can be selectively operated in consideration of the cost, time, technical elements, etc. of applying the present invention.

3 is a flowchart 300 of a validation procedure, which illustrates a procedure of performing a financial transaction using a "financial card terminal".

When the card information transmission step 301, the validation step 302, the result of the validation is successful and outputs the result reflected in the DB and the DB reflection step 304 fails, the cause is due to a mismatch of the flow verification key 6 is a step 305 of performing a procedure of the security system and generating an error message 306 in case of other causes.

In the card information transmitting step 301, a financial card user inputs a financial card user to insert, contact or approach a card in a card reader of a "financial card terminal";

A task selection and information input step of inputting essential information by selecting a task type; and

Financial card information (including a flow verification key value) read in the financial card information input step and information input in the job selection and information input step (password, payment request, payment amount, payment method, etc.) Is transmitted to the financial transaction management system through the information and communication network together with the transfer amount deposit and withdrawal account and work request identification code, etc.).

The validity verification step (302, 303) is to verify whether the flow verification key is matched (whether it is a duplicated card) together with the number, password, payment limit, validity, etc. of the financial card.

The result output and DB reflection step 304 is to output the result value for the request of step 301 to the corresponding "financial card terminal" through the information communication network, when the system is applied by automatic update or complex update ,

Only in the case of passing (successful) the validation steps 302 and 303, the floating verification key value determined according to the description of FIG. 2 is reflected as a new floating verification key, which is updated through the corresponding "financial card terminal". do.

In addition, the result output and DB reflecting step 304 is according to the "financial card terminal" and the type of request operation,

If the requested operation is cash withdrawal;

Cash (or check) corresponding to the requested amount will be paid via ATM or CD.

If the requested operation is wire transfer;

The results are output differently depending on the type of the requested operation and the intended use of the "financial card terminal", such as printing the transfer result via ATM.

If the validation step (302, 303) has failed and the cause is due to the inconsistency of the flow verification key (305 "Yes"), there is a possibility of using the duplicated fraudulent cards. Stopping the use of the card; further comprising, thereby preventing the repeated use of the same piracy financial card.

In the method of recording or updating the floating verification key,

Updating the entire card information including the floating verification key of the financial card; and

There is a method of updating only the floating verification key portion.

In the method for updating only the floating verification key portion,

A method of distinguishing the recording section of the floating verification key recording section from the fixed card information using the same recording medium (eg, inserting a distinction code); and

A method of differentiating between a floating verification key recording medium and a recording medium of fixed card information; And the like.

4 is a flow chart of a flow validation key manual update procedure (400), flow validation key update request and card information transmission step (401), validation step 402, the successful validation (403 "Yes") existing When the verification key update and DB reflecting step 404 for updating the floating verification key to the new floating verification key, and the failure (403 "No") is caused by the inconsistency of the floating verification key [FIG. 6 Security System Procedure ] And generating an error message 406 in the case of other causes.

In step 401, a financial card user inputs or inserts a card into or nears a card reader of a "financial card terminal" or a floating verification key dedicated updating device; and

A task selection and information input step of inputting essential information by selecting a task type; and

Financial transaction through the information communication network together with the financial card information (including the flow verification key value) read in the financial card information input step and the information (password and work request distinguishing codes, etc.) input in the job selection and information input step. Transmitting to the operating system.

The validity verification step 402, 403 verifies whether the floating verification key is matched (whether it is a duplicated card) together with the financial card number, password, expiration date, useful card status, and the like.

The verification key updating and DB reflecting step 404 outputs the result value for the request of step 401 to a corresponding "financial card terminal" or "fluid verification key dedicated updating device" through an information communication network. Only in case of passing (success) 402, 403, the flow verification key value determined as described in the description of FIG. 2 is used as a new flow verification key through the corresponding "financial card terminal" or "fluid verification key dedicated updating device". Update

If the validation steps 402 and 403 fail, the security system 108 is performed as described in the description of FIG. 1.

5 is a flowchart of a procedure for recovering a verification key (500), when a user's financial card is illegally copied and another person attempts to use the illegal copying financial card, the user's finance is failed due to a verification failure of the floating verification key or other reasons. The procedure for performing a series of operations to restore a usable state when the card is stopped is illustrated.

This verification key recovery procedure is a means for the person in charge of the financial company (card company or related financial company) who is in charge of the financial card transaction to perform the recovery of the financial card suspended for the above reasons. 501, a verification step 502, and a verification key recovery and DB reflecting step 503 that restores the floating verification key and reflects the DB when the verification is successful.

In step 503, the previous flow verification key of the financial card for which the flow verification key is to be restored is updated with the new flow verification key. Even when the card is reissued, a new floating verification key is recorded at that time.

FIG. 6 is a flow chart of a security system procedure 600, which is a result of validation of financial card information requested from a "financial card terminal" or a "fluid verification key-only renewing device" resulting from a mismatch (or verification failure) of the flow verification key. In this case, it is very likely that it is a pirated financial card is to provide a means for coping with this quickly.

Determining whether the Fail Code is received from the financial transaction management system (601); and

Alarm occurrence time display step (602) for displaying the alarm occurrence time on the recording medium recorded by the video surveillance apparatus such as CCTV so that the recording screen of the alarm occurrence time can be easily retrieved; and

An alarm step 603 linked to the "financial card terminal" to perform an alarm (alert to a screen such as a warning sound, light emission or a monitor); and

Step 604 of making a dispatch request to a corresponding security (or security) company associated with the security system 108 or a nearby police box or a nearby police station.

The financial transaction using the financial card generated through the system of the present invention includes both a case of approving a transaction through a financial transaction management system of a financial card company and a case of approving a transaction through a system of bansa (VAN),

In order to reduce the load on the communication network in the use of the system of the present invention, the financial card information and the work request information by the financial transaction operation system are provided only when the financial card terminal first verifies the fixed information such as the card number and the password of the financial card. It can be operated to send and verify that it also informs that it does not depart from the gist of the present invention,

Assuming the worst case in using the system of the present invention, the authenticity verification key of the authentic financial card at the time of proceeding the financial transaction through the "financial card terminal" using the pirated financial card is illegally copied. Can be seen as not renewed,

In this case, the financial transactions of the pirated financial card are normally performed, and when the holder of the original financial card attempts to use the financial card, it is recognized as an illegally copied financial card and the original financial card is switched to the suspended state.

However, even in this case, it is possible to prevent accidents caused by further illegal financial cards, and the prevention effect will be very large compared to the present case where it is difficult to recognize the accident until the card usage statement (notice) is received.

By adding a floating verification key as a means of validating a financial card, the use of a pirated financial card can be effectively prevented or significantly reduced by blocking the use of an illegally copied financial card. It is expected to contribute to the activation of sound financial transactions.

What has been described above is merely embodiments for implementing an illegal copying financial card damage prevention system of the present invention, the present invention is not limited to the above embodiments, and the scope of the invention as claimed in the following claims Without this, anyone with ordinary knowledge in the field to which the present invention pertains will be able to implement various modifications, and it will be understood in advance that the modified illegal financial card damage prevention system belongs to the inventive concept of the present invention. .

Claims (8)

In the system and apparatus having a financial transaction means using a financial card in an information communication network connection environment, such as wired and wireless Internet network, and further comprising a means for blocking the use of illegal copying financial card, Card number, password, expiration date, card verification result, authorization code, transaction information, credit rating, availability status, financial terminal identification code, financial terminal location information, emergency contact network information and other operational information, etc. A database including verification result information, Means for executing the first command requested from the financial card terminal, other financial card handling device and or other input device in conjunction with the database, Receiving financial card information and request operation information of the user from the financial card terminal; Validating the information received in the step; And outputting a processing result of the requested job according to the verification result. A financial transaction management system, further comprising a new financial card issuing means, a recovery means of a suspended financial card, a manual update means of a liquid verification key, and a monitoring means; Reading financial card information; Receiving request operation information; Transmitting the read financial card information and the received request operation information to the financial transaction management system; A financial card terminal having a; receiving and outputting a processing result of a requested operation from a financial transaction management system; and A financial card including financial card information for requesting a financial transaction through a financial card terminal, that is, fixed information such as a card number and a password having a unique value and a floating verification key that can be easily changed at any time; and Verifying the validity of the financial transaction management system; a security system that is interlocked when verification fails due to a mismatch of a flow verification key; and provides a means for preventing damage due to the theft of an illegal copying financial card. Piracy Financial Card Damage Prevention System. The method of claim 1, wherein the new financial card issuing means Inputting registration information to request a card issuance; Verifying the input information; Outputting an error message when verification fails; Is reflected in the database and issued a financial card when the verification is successful; Reflecting in the DB and issuing a financial card; Generating a card number; Generating a flow verification key initial value; And transmitting the financial card information including the card number and the liquid verification key to a financial card issuer. Financial card issuer Receiving financial card information including a flow verification key from the financial transaction management system of claim 1; And recording the financial card information on a recording medium of the financial card. The method of claim 1, wherein the stop financial card recovery means Identity verification steps; Information verification step; It consists of the recovery of the dynamic verification key and DB reflection step for recovering (converting) the suspended financial card to the usable state upon successful verification of information. With floating verification key recovery method, Generating a new flow verification key; A recovery step of updating a previous floating verification key of the financial card to be restored with a new floating verification key; Reflecting the result to the DB; consists of, The recovery step is carried out through a financial card handling device equipped with a flow verification key updating means, Financial card handling equipment Receiving financial card information including a new floating verification key from the financial transaction management system of claim 1; And updating the old floating verification key of the financial card to be restored to the recording medium of the financial card with the new floating verification key. The method of claim 1, wherein the manual update means for flow verification key Transmitting the financial card information to the financial transaction management system through the financial transaction terminal and requesting a liquid verification key update; Validating the financial card information; If the verification is successful, updating the verification key and applying it to the DB; If verification fails, Performing a linked security system if the cause is a floating key verification failure; If it is another cause, outputting an error message; The verification key is renewed through the financial transaction terminal requesting the renewal of the liquid verification key, and the financial transaction terminal further includes means for updating the liquid verification key of the financial card in addition to the means for reading the record information of the financial card. Piracy Financial Card Damage Prevention System. The method of claim 1 wherein the monitoring means Inquiring occurrence of inconsistency of the flow verification key; Informing an alarm through the associated emergency contact network; Tracking the result of the action, and reflecting in the DB; Illegal copy financial card damage prevention system, characterized in that it comprises a. The system of claim 1, wherein the security system is Determining whether there is a verification failure; and if the verification fails in this step, Executing an alarm by a screen output, a warning sound, a warning signal, etc. with an alarm device; An alarm marking step of dividing an alarm time point into an image information being recorded by an image recording monitoring device to facilitate a search; Alerting through an emergency communication network of the associated security company (or its security system) and / or the local security office (or his security system); Image recording and monitoring device illegally replicated financial card damage prevention system, characterized in that it has a means for marking (alarm marking) on the image information being recorded when the verification of the flow verification key fails. The method of claim 1, 2, 3, 4, wherein the financial card is It is configured to include a recording medium for recording the financial card information, The financial card information is composed of fixed information such as financial card unique number, password, and floating information that is easy to change or update (specific value not fixed), that is, floating verification key. The floating verification key may be recorded, changed or updated through a financial card issuer or a financial card terminal or other financial card handling device. The recording medium of claim 2, 3 or 7, wherein the recording medium A kind of recording medium for recording the fixed information and the floating verification key on the same recording medium, One method may be used, in which the recording medium is a combination of two or more types of recording the fixed information and the floating verification key on different types of recording media. The recording medium on which the floating verification key is recorded is recorded, changed or updated through a financial card issuer or a financial card terminal or other financial card handling device.