RU8822U1 - BANK TERMINAL FOR MAINTENANCE OF BANK CARD HOLDERS - Google Patents

Abstract

A bank terminal for servicing bank card holders, comprising a processor, a processor keyboard and a printer permanently located at the operator’s workplace, means for reading cards connected to the processor, and also an external device — a bank card holder remote — equipped with a means for introducing an individual PIN to the bank card holder -code and display for monitoring operations performed, characterized in that the means for reading the cards of the operator and holder are placed in one casing with keypad and processor are located at operator's workstation in a secure working area, inaccessible to the bankcard holder served by an operator.

Description

The utility model relates to facilities for servicing plastic bank card holders.

The widespread widespread use of plastic bank cards used in carrying out non-cash financial transactions has led to the development and widespread introduction of various kinds of appropriate means for servicing the holders (owners) of these cards.

Among such means, it is known, for example, a device for selling gasoline on cards 1, comprising a card reader, a storage device for storing data on the cost of services, a processor for processing data read from the card, and data stored in the storage device.

It is also known, for example, device 2, which enables the cardholder to pay ifa on a gaming machine. This device comprises a card reader and a control module integrated in the respective reading and control devices, a control panel, an appropriate display, means for communicating said devices with a data processing processor.

The device comprises card readers, a control panel, a data display, means for communicating card readers with a processor carrying out the relevant transaction procedures.

Vending machines are known, see, for example, 4, and trading terminals, see, for example, 5, in which cards are used to pay for goods. The equipment of such terminals includes card readers, a processor for performing operations, and means for communicating with the central computer — the server of the local computer network of the shopping center.

The technical means of the devices presented in 1, 2, 3, 4, 5 provide non-cash payments related to the purchase of certain goods and services. These devices do not solve the problems associated with cash withdrawal operations using plastic bank cards.

A certain range of tasks related to the implementation of cash transactions are solved with the help of ATMs, see, for example, 6, 7, which accept and issue cash after entering into the ATM a carrier of banking information - a card. Famous ATMs include a display for information about operations, a window for entering a card, a keyboard for entering an identification code for a card holder (PIN), a keyboard for specifying operations, a display for instructions on operations, windows for issuing cash and checks, and also a processor for performing operations and means for ensuring its communication with a central banking computer. Typically, ATMs are located near places that people visit, such as train stations, shopping centers, leisure and entertainment centers, and

etc. Since ATMs are accessible to virtually an indefinite number of people, serious technical problems arise, see for example 8, with ensuring financial security both for a bank operating ATMs and for bank card holders, to whose accounts third parties may gain access, for example, as a result of illegal penetration into the banking computer network. In addition, during the operation of ATMs, it is necessary to solve the technical problems of ensuring individual security for cardholders (i.e., the safety of q: identity on their card accounts) by ensuring the confidentiality of data entry, guaranteeing the safety of forgotten cards at an ATM, guaranteeing the safety of cash, forgotten in the window for issuing banknotes 8, p. 55.

The most reliable, from the point of view of ensuring financial security for bank card holders in cash transactions, are the banking terminals serviced by banking employees. At the same time, such banking terminals are equipped with special tools, in particular, client remote controls - electronic devices that allow checking the credentials of the client - the bank card holder based on the analysis of the PIN code entered by the client from the PIN keyboard of the remote control and subsequent reading of information from the card , see, for example, 9.

Among banking terminals for servicing bank card holders, for example, the banking terminal is described, described in 10, p. 43-57, Fig. 1, which is accepted as a prototype. The banking terminal, adopted as a prototype, contains a processor with a keyboard and a receipt printer installed permanently at the operator’s workplace, and associated with them

an external device is a remote control of a client (bank card holder) equipped with means for reading cards, means for entering an individual PIN code - a keyboard, and means for monitoring operations performed - a display.

The discount of the banking terminal for servicing the bank card holder is carried out as follows. The bank operator provides the client (bank card holder) with a remote control, into the slot of the corresponding reader of which the operator’s card is inserted, certifying his authority. The client installs his card in the slot of another reader, and then with the help of the keyboard dials his secret identification PIN-CODE. The bank operator types on his keyboard a message that defines the essence of the banking transaction. The processor, in accordance with its functioning profile, checks the client’s credentials, and then, for example, writes off the amount necessary for the client from the card account, and then sends the corresponding message about the financial transaction through the communication network to the client’s bank. Using the display of the remote control, the client controls the amount debited from his account. After performing these operations, the operator gives the client the appropriate cash and check.

Since these operations are carried out in the bank’s secured premises and with the participation of the operator, comfortable conditions are created for the client, the holder of the bank card, from the point of view of ensuring its financial security when carrying out cash transactions using the card. However, when working at such a banking terminal, there are certain inconveniences for the bank, in particular due to the fact that the card

the operator’s card and the client’s card are outside the reach of the operator during the whole time of the financial transaction, for example, they are placed on the client’s side outside the operator’s workplace, which allows unauthorized actions in relation to them.

The technical problem to which the claimed utility model is directed is to increase the degree of security for the bank when it conducts cash transactions using customer cards. The problem is solved by creating such a terminal, during which the operator’s card and client’s card are outside the reach of the client, which reduces the risk of unauthorized actions on the part of the client.

The essence of the claimed utility model consists in the fact that in the banking terminal for servicing bank card holders containing a processor, a processor keyboard and a printer permanently located at the operator’s workplace, means for reading cards connected to the processor, as well as a remote device — a bank card holder console equipped with a means for introducing an individual PIN code by a bank card holder and a display for monitoring operations, means for reading cards of operations The head and holder are located in the same housing as the processor keyboard and are located at the operator’s workplace in a protected working area, inaccessible to the bank card holder serviced by the operator.

The essence of the claimed utility model and the possibility of its industrial application are illustrated by a figure, which presents an example of the implementation of the inventive banking terminal using industrially manufactured functional structural elements.

The inventive banking terminal for servicing bank card holders, see the figure, contains a processor 1 and a keyboard 4 of the processor and printer 5 connected to it by cables 2 and 3, respectively, permanently located on the operator’s work line, a remote device connected with them via cable 6 - 7 of a bank card holder, equipped with a means for entering an individual PIN code — a keyboard 8 and a display 9 for monitoring operations, as well as means 10, 11, 12 for reading cards, structurally integrated with keyboard 4 in one housing 13. Keyboard 4, structurally combined with feds 10, 11, 12 for reading cards (readers), is permanently located at the operator’s workplace in a protected working area 14 - the operator’s workplace area, inaccessible to the bank card holder serviced by the operator, and the remote control unit 7, in case of servicing a bank card holder, is located in zone 15 of the holder at a certain distance from the keyboard 4 and processor 1. Zone 14 of the operator’s workplace can be separated from zone 15 of the holder by a special partition 16, which allows communication of the bank card holder with the operator, but excludes the possibility of penetration into zone 14 from the side of zone 15.

All functional elements of the claimed banking terminal can be implemented using industrially manufactured elements. So, the implementation of the processor 1 can be carried out using a personal computer with a standard configuration, equipped with appropriate software; implementation of keyboard 4 with readers 10, 11, 12 structurally combined with it — devices for reading magnetic and microprocessor cards can be implemented on the basis of a CherryMikroscholter G81-80XX series keyboard; remote control 7 can be implemented on the basis of a PIN type input device The PIN PAD 1000 of VeriFone Inc .. The cable 6 of the external device can be connected either to the processor 1 via the additional input / output port of the processor or through the corresponding keyboard port 4, as shown in FIG. re.

The work of the banking terminal for servicing a bank customer - a bank card holder is as follows.

The bank operator is located at his workplace in a protected working area 14, and the client is in the zone 15, separated from the operator’s workstation by a partition 16. An operator card (not shown in the figure) is inserted into the slot of the corresponding reader, for example, into the reader slot 11.

The client provides the bank operator with his card (not shown in the figure), which the operator installs in the slot of the corresponding reader, for example, in the slot of the reader 10 in the case of using a magnetic card or in the slot of the reader 12 in the case of using a microprocessor card. After that, the bank operator provides the client with a remote control 7, on the keyboard 8 of which the client dials his secret identification PIN-CODE. The bank operator on his keyboard 4 types a message that defines the essence of the banking transaction. The processor 1, in accordance with its functioning program, checks the client’s credentials and then performs the specified operation, for example, debiting the required amount from the client’s card account and generating the corresponding message about the financial transaction that is transmitted to the client’s bank via the communication channel (in the figure shown). The client using the display 9 of the remote control 7 controls the amount debited from his account. The printer 5 prints a receipt containing information about the operation

After performing these operations, the operator gives the client the appropriate cash, a check and returns the card, and the client returns the remote control 7 to the operator.

Since these operations are carried out in the bank’s secured premises and with the participation of the operator, comfortable conditions are created for the client, the holder of the bank card, from the point of view of ensuring its financial security when carrying out cash transactions using the card. At the same time, an increase in the degree of security is also ensured for the bank, since the operator’s card and the client’s card are outside the reach of the client during the financial transaction, which reduces the risk of unauthorized actions by the client.

Thus, it can be seen from the above that the claimed object — a bank terminal for servicing bank card holders — is industrially marketable and solves the technical problem posed, providing an increase in the degree of security for the bank when it conducts cash transactions using client cards.

Sources of information

1. US patent No. 5340969, CL G07 F 7/08, G06 F 15/24 (NKI 235-381), publ. 08/23/94.

2. German application No. 4222202, cl. G07 F 7/10, 17/32, publ. 01/13/94.

3. Swiss application No. 683133, cl. G07 F 7/08, publ. 01/14/94.

4. Japanese application No. 5-3037, G07 F 7/08, publ. 01/13/93 No. 6-76 TOKYO KOHO,

5. US patent No. 5255182, CL. G07 G 1/12 (NKI 364-405), publ. 10/19/93.

6. Japanese application No. 5-50039, cl. G07 D 9/00, G07 F 15/30, publ. 07.27.93 No. 6-1251 TOKYO KOHO.

7. Japanese application No. 5-51954, cl. G07 D 9/00, G06 F 15/30, publ. 08/04/93 №6-1299 TOKYO KOHO.

8. The Russian market of plastic cards, No. 5-6, 1995, p.51-55.

9.Inter. PCT application (WO) No. 94/07217, class G07 F 7/10, publ. 31.03.94.

10. The Russian market of plastic cards and traveller's checks, No. 6-7, 1996, p. 43-57, Fig. 1.

Claims (1)

A bank terminal for servicing bank card holders, comprising a processor, a processor keyboard, and a printer located permanently at the operator’s workplace, means for reading cards connected to the processor, and also an external device — a bank card holder remote — equipped with a means for introducing an individual PIN to the bank card holder -code and display for monitoring operations performed, characterized in that the means for reading the cards of the operator and holder are placed in one casing with keypad and processor are located at operator's workstation in a secure working area, inaccessible to the bankcard holder served by an operator.