WO2009018682A1

WO2009018682A1 - Portable atm system and withdrawing/depositing cash methods thereof

Info

Publication number: WO2009018682A1
Application number: PCT/CN2007/002381
Authority: WO
Inventors: Kamfu Wong
Original assignee: Kamfu Wong
Priority date: 2007-08-08
Filing date: 2007-08-08
Publication date: 2009-02-12
Also published as: CN101933035A

Abstract

A portable ATM system contains a controlling center (1), one or a plurality of ATMs (2), the communication network (3), a plurality of smart cards (4), a plurality of business cards (5), the account center of card-receiving bank (6) and the account center of card-issuing bank (7). Every smart card is corresponding with a smart-card account. A card of the merchant is inserted in the ATM, which is set in the store. Every card of the merchants is corresponding with a business-card account. To withdraw cash by means of the portable ATMs system, the cardholder transfers the money of his smart-card account to the business-card account corresponding with the card of the merchant, then the store take the equivalent cash to the cardholder.

Description

Portable ATM machine system and corresponding withdrawal method

[Technical Field]

The present invention relates to the field of electronic payment, and more particularly to a portable ATM machine system. 【technical background】

At present, most ATM machines are generally set up by banks. ATMs generally store a large amount of cash for the bank's customers. In order to protect the safety of ATM machines, general ATM machines have multiple strict security measures. Therefore, the price of ATM machines is very expensive, and the operating cost is also quite high. In order to save costs, banks usually only set up ATMs in busy areas where there are a lot of people, and some small communities with not many people live, many banks are not. Willing to set up branches or ATMs in these small communities. If residents of these small communities want to use ATM machines, it is very inconvenient to go to busy areas to find ATM machines. This is an extremely difficult problem to be solved.

[Summary of the Invention]

SUMMARY OF THE INVENTION An object of the present invention is to provide a low cost ATM machine which can provide the most commonly used withdrawal and deposit functions of an ATM machine.

At present, most merchants generally deposit the cash backed up at the time of business into the bank, and the customer withdraws the banknotes from the bank counter or ATM machine, and then delivers the banknotes to the merchants when the payment is made. The banknotes are at the customer, Businesses and banks are circulating, and merchants and banks have paid a lot of operating costs. In the portable ATM machine system of the present invention, the ATM machine is only responsible for processing information such as transfer transactions between accounts, and the settlement of the banknotes is carried out by the merchant, and the merchant can take back the business hours to prepare the banknotes to be deposited into the bank, The portable ATM machine system of the present invention is directly extracted to the customer, so that most of the banknotes are only circulated between the customer and the merchant, and the merchant can and the bank can reduce the operating cost. Since ATMs do not store banknotes, the cost of ATMs can be significantly reduced, and banks can set up ATMs in more locations.

The object of the present invention is achieved by the use of such a portable ATM machine system for a customer to withdraw or deposit cash from a merchant of the set ATM machine with his smart card, characterized in that the system mainly comprises Controlled Center (1), one or more ATM machines (2), communication network (3), multiple smart cards (4), multiple merchant cards (5), collection bank account center (6), card issuing bank account Service Center (7),

among them,

The ATM machine (2) is set at the predetermined merchant or the scheduled place. There is no cash storage in the set ATM machine (2), and it operates according to the predetermined procedure, through the control center (1), the communication network (3), the card receiving bank. a billing center (6), a card issuing bank account center (7), etc., performing a transfer operation between the accounts of the smart card (4) and the merchant card (5);

The collection bank account center (6) is the computer account system of the bank that issues the merchant card (5);

The card issuing bank accounting center (7) is the computer accounting system of the bank that issues the smart card (4).

And employing such a method of transferring money through a portable ATM machine for a customer to withdraw or deposit cash from a merchant of the set ATM machine with his smart card, characterized in that the method is performed by a smart card (4) with a key (A01) Encrypt the transfer data and send it to the merchant card (5) in the ATM (2), and then encrypt the data with the key (C01) by the merchant card (5), and pass the ATM machine (2) and the communication network. (3) Transfer the data to the receiving bank's accounting center (6) and the issuing bank's accounting center (7). The receiving bank's accounting center (6) uses the key paired with the key (C01) (D01). Decrypt the data. After successful decryption, the data is sent by the merchant card (5), and the card issuing bank (7) decrypts the data using the key (B01) paired with the key (A01). The transfer information is restored. After the decryption is successful, the data is sent by the smart card (4), and then the bank account center (6) and the card issuing bank (7) perform the relevant bank account operation according to the transfer information. .

The advantage of the portable ATM machine system of the present invention is that the merchant can take back the business hours to prepare the cash to be deposited in the bank, and directly extract it to the customer through the portable ATM machine system of the present invention, so that most of the banknotes are only for the customer and Circulating flows between merchants, merchants can reduce the manpower and cost of depositing cash into banks, and because ATM machines do not store banknotes, the cost of ATMs can be significantly reduced, and banks can set up ATMs in more areas. ATM machine. Set to any merchant.

'[Description of the drawings]

Figure 1 is a block diagram showing the main structure of a portable ATM machine system of the present invention; Figure 2 is a block diagram showing the main structure of a control center (1) of the portable ATM machine system of the present invention; Figure 3 is a block diagram showing the main structure of an ATM machine (2) of the portable ATM machine system of the present invention; Figure 4 is a block diagram showing the main structure of a smart card (4) of the portable ATM machine system of the present invention; Figure 5 is a block diagram showing the main structure of a merchant card (5) of the portable ATM machine system of the present invention; 6 is an explanatory diagram of the steps of the card owner withdrawing money from the merchant through the portable ATM machine of the present invention;

Figure 7 is an explanatory diagram of the steps of the card owner depositing at the merchant through the portable ATM of the present invention.

In the figures, the same numerals represent the same system, device, and component device, and the method steps are indicated by a circle number or a box number and a straight line with an arrow. The drawings are schematic to illustrate the main steps of the construction and method of the system of the present invention.

【detailed description】

The method of the present invention will be further described in detail below with reference to the accompanying drawings.

Referring to Figure 1, Figure 1 is a block diagram showing the main structure of a portable ATM machine system of the present invention. The system shown mainly includes a control center (1), one or more ATM machines (2), and a communication network. (3), multiple smart cards (4), multiple merchant cards (5), card collection bank account center (6), card issuing bank account center (7), among them,

The ATM machine (2) is set at a predetermined merchant or a predetermined place. There is no cash storage in the set ATM machine (2), and it operates according to a predetermined procedure, through the control center (1), the communication network (3), and the card collection. Bank account center (6), card issuing bank account center (7), etc., transfer the account between the smart card (4) and the merchant card (5); the receiving bank account center (6) is the issuing merchant card (5) The computerized accounting system of the bank;

The ATM machine (2) in the deposit and withdrawal system of the present invention is not an ATM machine in a general sense. In the present invention, it is an electronic device for collecting and storing information, and its function has been explained in the present specification. This is also one of the important features of the present invention.

Referring to Figure 2, Figure 2 is a block diagram showing the main structure of the control center (1) of the portable ATM machine system of the present invention. The main structure of the control center (1) shown in the figure includes a control center computer system (101). ) and multiple hands (102), wherein the control center computer system (101) is responsible for saving and tracking the operation records of all ATM machines (2) and monitoring each ATM machine (2) through the mobile phone (102) via the communication network (3) Each ATM machine (2) is connected to the communication, wherein each mobile phone (102) used for communication has a dedicated S top card, and each dedicated SIM card has a dedicated mobile phone number, and a mobile phone using these dedicated SIM cards. Can only communicate with each ATM machine (2).

Referring to FIG. 3, FIG. 3 is a block diagram showing the main structure of an ATM machine (2) of the portable ATM machine system of the present invention, which shows that the main structure of the ATM machine (2) includes a controller (201). ), a keyboard (202), a display screen (203), a printer (204), a card reader (205), a mobile phone (206), wherein the controller (201) is provided with a CPU and a memory, and is associated with other components Connection, operation according to a predetermined program, realizing functions such as scheduled transfer and data transmission, and the mobile phone (206) is a communication tool between the ATM machine and the control center (1), mainly for transmitting and receiving data, and the mobile phone (206) is inserted. There is a dedicated SIM card, which is provided by the mobile phone network provider and can only communicate with the control center (1), and the controller (201) stores a unique ATM number (207), and, in the customer's absence When the ATM machine (2) extracts or deposits cash, the merchant card (5) is separated from the ATM machine (2) and is inserted only when the customer deposits it.

Continuing to refer to FIG. 3, the ATM machine (2) shown in the figure further includes a merchant card (5), and the merchant card (5) in the figure is shown by a dotted line, indicating that the merchant card (5) is compatible with The ATM (2) is separated and the merchant card (5) is placed in the ATM (2) when in use.

Referring to FIG. 4, FIG. 4 is a block diagram showing the main structure of a smart card (4) of the portable ATM machine system of the present invention. The smart card (4) shown in the figure refers to a credit card issued by a card issuing bank, or a debit card. , or a bank card such as a cash card, the main structure includes a main chip (401), a keyboard (402), a display device (403), a communication interface (404), and a power supply (405), wherein the main chip (401) is provided therein. The CPU and the memory are connected to other components and operate according to a predetermined program to implement various predetermined functions, including encrypting, decrypting, storing, and transacting the transaction data through the communication interface (404) and the ATM (2) card reader ( 205) transmitting data, displaying information through the display device (403), reading data input by the card main input through the keyboard (402), and the smart card (4) is powered by the power source (405), the power source (405) It can be a battery or a solar cell, and the main chip (401) has a unique card number (406) and a key table (A). The key table (A) stores multiple pieces for encryption, decryption and verification. Smart card (4) identity The key (A01) and the index number (A02), each index number (A02) corresponds to a key (A01). Continuing to refer to FIG. 4, the main chip (401) shown in the figure encrypts transaction data each time the transaction data is encrypted, and an unused key (A01) is extracted from the key table (A) according to a predetermined procedure. And, each time the main chip (401) decrypts the transaction data, a key corresponding to the transaction data is extracted from the key table (A) according to a predetermined program.

(A01) Decrypting the transaction data, and after the main chip (401) encrypts or decrypts the transaction data, the key (A01) is deleted or discarded or marked as used, so that the key (A01) It will not be used again by the smart card (4), and the main chip ■ (401) will also have a card-opening password. Before using the smart card (4), the cardholder must enter the correct card-opening password via the keyboard (402). , in order to use the smart card (4) for various operations.

In this manual, the smart card (4) refers to a bank card issued by the issuing bank, such as a credit card, or a debit card, or a cash card. The issuing bank account center (7) has multiple smart card accounts, each smart card account. Corresponding to a smart card (4), each smart card account is provided with a key table (B), and stores the card number (406) of the smart card (4) corresponding to the smart card account and an account password, a key table (B) There are multiple keys (B01) and multiple index numbers (B02) stored in it, each index number (B02) corresponds to a key (B01), the key table (B) in each smart card account and the account The key table (A) in the smart card (4) is paired, each key

(B01) has a paired key (A01), and each pair of paired keys (A01) and keys (B01) have the same index number (A02) and index number (B02). And, each time the transaction data is encrypted, the issuing bank account center (7) extracts an unused key (B01) from the key table (B) according to a predetermined program to encrypt the transaction data, and, the issuing bank account (7) Each time the transaction data is decrypted, a transaction key (B01) is extracted from the key table (B) according to a predetermined procedure to decrypt the transaction data, and the issuing bank account center ( 7) After encrypting or decrypting the data, the key (B01) will be deleted or discarded or marked as used, so that the key (B01) will not be used again by the issuing bank account center (7).

Referring to FIG. 5, FIG. 5 is a block diagram showing the main structure of a merchant card (5) of the portable ATM system of the present invention. The main structure of the merchant card (5) shown in the figure includes a merchant card chip (501), a keyboard (502), a display device (503), a communication interface (504), and a power supply (505), wherein the merchant card chip (501) is provided with a CPU and a memory, and is connected to other components, and operates according to a predetermined program. Achieving various predetermined functions, including encrypting, decrypting, and storing transaction data, transmitting data through the communication interface (504) and the controller (201) of the ATM machine (2), displaying information through the display device (503), and using the keyboard (502) ) read the information entered by the merchant, etc. And, the merchant card (5) is powered by the power source (505), the power source (505) may be a battery or a solar battery or powered by the ATM machine (2), and the merchant card chip (501) is provided with a A unique card number (506) and a key table (C). The key table (C) stores a plurality of keys (C01) and index numbers (C02) for encrypting and decrypting and verifying the identity of the merchant card (5). , each index number (C02) corresponds to a key (C01).

Continuing to refer to FIG. 5, the merchant card chip (501) will encrypt the transaction data by extracting an unused key (C01) from the key table (C) according to a predetermined procedure each time the transaction data is encrypted. And, when the merchant card chip (501) decrypts the transaction data each time, a key corresponding to the transaction data (C01) is decrypted from the key table (C) according to a predetermined program to decrypt the transaction data, and the merchant card chip (501) After encrypting or decrypting the transaction data, the key (C01) will be deleted or discarded or marked as used, so that the key (C01) will not be used again by the merchant card.

(5) Use, and, the merchant card chip (501) has an open card password, and each time the merchant card (5) is inserted into the ATM machine

(2) Before use, you must enter the correct card-opening password via the keyboard (502). The merchant card (5) Check the card-opening password. After the error, the merchant card (5) can be inserted into the ATM (2).

In this manual, the merchant card (5) is a card issued by the card-receiving bank for use by the ATM machine (2). The merchant card (5) can only be used with the designated ATM machine (2), and the ATM machine (2) is also received. The card bank is set in the store, and the card collecting bank account center (6) has multiple merchant card accounts, and each merchant card account corresponds to one merchant card (5) and one ATM machine (2), and each merchant card account There is a key table (D), and the merchant card number (506) of the merchant card (5) corresponding to the merchant card account and the corresponding ATM machine number (207) and an account password, the key table are stored.

(D) stores multiple keys (D01) and multiple index numbers (D02), each index number (D02) corresponds to one key (D01), and the key table (D) in each merchant card account Key table in the merchant card (5) with the account

(C) In a pairing relationship, each key (D01) has a matching key (C01), and each pair of matching keys (C01) and key (D01) have their corresponding index numbers (C02). ) is the same as the index number (D02), and each time the receiving bank account center (6) encrypts the transaction data, it extracts an unused key from the key table (D) according to a predetermined procedure ( D01) encrypting the transaction data, and, each time the transaction data is decrypted, the receiving bank account center (6) extracts a key corresponding to the transaction data from the key table (D) according to a predetermined procedure (D01). Decrypt the transaction data, and after the card collection center (6) encrypts or decrypts the data, the key will be (D01) Delete or discard or mark as used so that the key (D01) will not be used again by the receiving bank account center (6).

Referring to FIG. 6, FIG. 6 is a diagram illustrating the steps of the card owner withdrawing money from the merchant through the portable ATM machine of the present invention. The method shown in the figure includes the following group A steps, in which the card owner passes the smart card through the ATM machine (2). The money in the bank account is transferred to the bank account of the merchant card (5), and then the cashier equal to the transfer amount is handed over to the card owner by the merchant's cashier. The specific steps are as follows -

A1. The card owner inputs the card opening password on the keyboard (402) on the smart card (4). After the main chip (401) in the smart card (4) checks the card opening password is correct, the display device (403) displays the prompt message, the prompt card. The master can start using the smart card (4) and guide the card master to input the withdrawal amount and the account password; the master chip (401) in the smart card (4) extracts a key from the card key table (A) (A01) And the corresponding index number (A02), the packet A is encrypted into the packet B by the key (A01), and encrypted. The main chip (401) deletes the key (A01) from the key table (A). The content of the package A includes the card number (406), the withdrawal amount, the account password and the like;

The main chip (401) groups the data package withdrawal amount, the card number (406) and the index number (A02) into a data package C;

A2. The card owner places the smart card (4) on the card reader (205) of the ATM machine (2), and the smart card (4) transmits the data package C described in step A1 to the ATM machine through the communication interface (404) ( 2) ;

A3. The ATM machine (2) reads the data package C through the card reader (205), and transmits the ATM machine number (207), the data package C, and the like to the merchant card in the ATM machine (2) (5) ) ;

The merchant card chip (501) in the merchant card (5) extracts a key (C01) and a corresponding index number (C02) from the card key table (C), and the packet D is obtained by the key (C01) The encryption becomes the data package E, and the encrypted merchant card chip (501) deletes the key (C01) from the key table (C); the content of the data package D includes the merchant card number (506) and the ATM machine number ( 207), information package C, etc.; the merchant card chip (501) in the merchant card (5) combines the data package E, the merchant card number (506), the index number (C02) and the like into the data package F, and then through the communication interface ( 504) transmitting the data package F to the ATM machine (2); The ATM machine (2) transmits the data package F to the receiving bank account center through the communication network (3) and the control center (1) (6);

A4. Receiving Bank Account Center (6) Find the package E, the merchant card number (506), the index number (C02) from the content of the package F, and find the merchant corresponding to the merchant card number (506) from the merchant card number (506). Card account, extracting the key (D01) corresponding to the index number (D02) of the same index number (C02) from the key table (D) of the merchant card account from the index number (C02) to decrypt the data package E The data package D is restored. After the decryption is successful, the data package E is sent from the merchant card (5) corresponding to the merchant card number (506), and the decrypted card is collected from the account center (6) from the key table ( D) delete the key (D01); the receiving bank account center (6) finds the data package C, the merchant card number (506), the ATM machine number (207), the withdrawal amount and other information from the package D. Check whether the ATM number (207) and the merchant card number (506) belong to the same merchant. After checking that the two belong to the same merchant, the data package C and the merchant card number are verified.

(506), the amount of withdrawal and other information transmitted to the issuing bank's accounting center (7) through the control center (1) to request withdrawals;

A5. After issuing the data package (, merchant card number (506), withdrawal amount and other information, the issuing bank account center (7) finds the data package B, card number (406) and index number (A02) from the contents of the data package C. The smart card account corresponding to the card number (406) is found from the card number (406), and the same index number (B02) as the index number (A02) is extracted from the key table (B) of the smart card account from the index number (A02). The corresponding key (B01) decrypts the data package B and restores the data package A. After successful decryption, it indicates that the data package B is sent from the smart card (4) corresponding to the card number (406), and the card issuing bank account center is decrypted. (7) Delete the key (B01) from the key table (B);

The card issuing bank account center (7) finds the card number (406), the withdrawal amount, the account password and other information from the package A. After checking the withdrawal amount is correct, the card issuing bank account center (7) checks the account password and the card number. (406) The balance of the smart card account, after checking, the money from the credit card account of the card number (406) is transferred to the merchant card number (506) at the merchant of the card receiving bank account (6) Card account

After the transfer is successful, the issuing bank account center (7) extracts another key (B01) and the corresponding index number (B02) from the key table (B) of the smart card account, and the key (B01) will be Packet 1 plus The secret is the data package 2, and after the encryption, the card issuing bank (7) deletes the other key (B01) from the key table (B); the content of the data package 1 includes the card number (406), the merchant Card number (506), amount of money transferred and so on;

The card issuing bank account center (7) composes the data package 2, the card number (406), the index number (B02) of the key (B01), the merchant card number (506), the transferred withdrawal amount and the like into the data package 3;

The card issuing bank account center (7) transmits the data package 3 to the receiving bank's accounting center through the control center (1) (6);

A6. After receiving the package 3, the receiving bank account center (6) finds the data package 2, the card number (406), the index number (B02), the merchant card number (506), the transferred withdrawal amount, etc. from the package 3. Information, knowing that the transfer was successful, and storing the transaction details of the transfer and withdrawal;

The receiving bank account center (6) extracts another key (D01) and a corresponding index number (D02) from the key table (D) of the merchant card account of the merchant card number (506), with the key (D01) Encrypt the packet 3 into the packet 4, and after encrypting, the card receiving bank (6) deletes the other key (D01) from the key table (D);

The receiving bank account center (6) will make the data package 4, the merchant card number (506), the index number (D02) and other data into a data package 5;

The receiving bank account center (6) transmits the data package 5 to the ATM machine through the control center (1) and the communication network (3) (2);

A7. After receiving the data package 5, the ATM machine (2) transmits the data package 5 to the merchant card (5) in the ATM machine (2); the merchant card chip (501) in the merchant card (5) from the data package 5 Find the data package 4, merchant card number (506), index number (D02) and other data, and extract the same index number (D02) from the key table (D) of the merchant card chip (501) from the index number (D02). The key corresponding to the index number (C02) (C01) decrypts the data packet 4 and restores the data packet 3. After successful decryption, it indicates that the data packet 4 is sent by the receiving bank account center (6), and the data is sent. In the package 3, the information package 2, the card number (406), the index number (A02), the merchant card number (506), the transferred withdrawal amount and the like are found, and the merchant card chip (501) stores the transaction data in the merchant card chip ( In the memory in 501), the decrypted merchant card chip (501) deletes the key (C01) from the key table (C); Merchant Card (5) transmits the packet 3 to the ATM (2);

The ATM machine (2) displays the transferred withdrawal amount through the display screen (203), and prints the receipt to the card owner through the printer (204), and then transmits the data package 3 to the smart card (4) through the card reader, and the cashier After seeing the display (203) showing the information of the transferred withdrawal amount, knowing that the transfer and withdrawal is successful, immediately count the cash equivalent to the withdrawal amount to the card owner;

The main chip (401) in the smart card (4) finds the data packet 2, the card number (406), the index number (B02), the merchant card number (506), the transferred withdrawal amount, and the like from the data package 3, from the index number (B02). Extracting the key (A01) corresponding to the same index number (A02) of the index number (B02) in the key table (A) of the master chip (401), decrypting the packet 2 and restoring the packet 1 to decrypt After successful, the package 2 is issued by the issuing bank account center (7), and the main chip (401) stores the transaction data in the memory in the main chip (401), and decrypts the main chip (401). ) delete the key (A01) from the key table (A);

The main chip (401) finds the card number (406), the merchant card number (506), the transferred withdrawal amount and the like from the package 1, and displays the transferred withdrawal amount to the card owner through the display device (403), and the main chip (401) The smart card (4) is automatically locked, and the locked smart card (4) can be used only after entering the correct card opening password.

Referring to FIG. 7, FIG. 7 is an explanatory diagram of a step of a card owner depositing at a merchant through the portable ATM machine of the present invention, and the method shown in the figure includes the following group B step, in which the merchant card owner deposits cash into the smart card (4). The step of the bank account is that the card owner will deposit the cash to be deposited into the account, and the cashier will transfer the money from the bank account of the merchant card (5) to the smart card through the ATM machine (2). (4) The bank account, and then the merchant will deposit the cash received into the bank by itself. The specific steps are as follows -

B1. The card master enters the card opening password on the keyboard (402) on the smart card (4), and the main chip (401) in the smart card (4) checks the card opening password is correct, and displays the prompt message through the display device (403), the prompt card The master can start using the smart card (4);

Card Master ^ (The cash to be deposited into the account is handed over to the store cashier. After the cashier counts, enter the deposit amount and the merchant card in the ATM (2) on the keyboard (202) on the ATM (2). (5) Account password and other information; B2. The card owner places the smart card (4) on the card reader (205) of the ATM machine (2), and the smart card (4) transmits the card number (406) to the ATM machine (2) through the communication interface (404);

B3. The ATM machine (2) transmits the card number (406) and the ATM machine number (207) and the deposit amount and account password entered by the cashier in step B1 to the merchant card in the ATM machine (2) (5) ;

The merchant card chip (501) in the merchant card (5) extracts a key (C01) and a corresponding index number (C02) from the card key table (C), and packs the data packet with the key (C01)! Encryption becomes the data package S, and the encrypted merchant card chip (501) deletes the key (C01) from the key table (C); the content of the data package R includes the merchant card number (506), the ATM number (207), deposit amount, account password, card number (406) and other information;

The merchant card chip (501) in the merchant card (5) composes the data package S, the merchant card number (506), the index number (C02) and the like into the data package T, and then packs the data package through the communication interface (504). Transfer to the ATM (2);

The ATM machine (2) transmits the data package T to the card collecting bank account center through the communication network (3) and the control center (1) (6);

B4. Receiving Bank Account Center (6) Find the package S, the merchant card number (506), the index number (C02) from the content of the package T, and find the merchant corresponding to the merchant card number (506) from the merchant card number (506). Card account, extracting the key (D01) corresponding to the index number (D02) of the index number (C02) from the key table (D) of the merchant card account from the index number (C02), decrypting the data package S The data package R is restored. After the decryption is successful, the data S is sent from the merchant card (5) corresponding to the merchant card number (506), and the credit card receiving bank account center (6) is decrypted from the key table (D). Delete the key (D01); the receiving bank account center (6) finds the merchant card number (506), ATM machine number (207), deposit amount, account password, card number (406), etc. from the package R. Data, check whether the ATM number (207) and the merchant card number (506) belong to the same merchant, check that both belong to the same merchant, and then check the account password, and all the checks are correct from the merchant card number (506) Money in the merchant card account The smart card number (406) Smart card account in issuing accounting ornament line center (7);

B5. After the transfer is successful, the issuing bank account center (7) extracts a key (B01) and a corresponding index number (B02) from the key table (B) of the smart card account, with the key (B01) Encrypt packet 6 Become the data package 7, after the encryption, the issuing bank account center (7) deletes the other key (B01) from the key table (B); the content of the data package 6 includes the card number (406), the merchant card number (506), the amount of the transferred deposit, etc.;

The card issuing bank account center (7) composes the data package 7, the card number (406), the index number (B02) of the key (B01), the merchant card number (506), the transferred deposit amount and the like into a data package 8;

The card issuing bank account center (7) transmits the data package 8 to the receiving bank's accounting center through the control center (1) (6);

B6. After receiving the data package 8, the receiving bank account center (6) finds the data package 7, the card number (406), the index number (B02), the merchant card number (506), the transferred deposit amount, etc. from the package 8. Information, knowing that the transfer deposit is successful, the transaction details of the transfer deposit are stored;

The receiving bank account center (6) extracts another key (D01) and a corresponding index number (D02) from the key table (D) of the merchant card account of the merchant card number (506), with the key (D01) Once the data packet 8 is encrypted into the data packet 9, the encrypted bank receiving account (6) deletes the other key (D01) from the key table (D);

The collection bank account center (6) will make the data package 9, the merchant card number (506), the index number (D02) and other information into a data package 10;

The receiving bank account center (6) transmits the data package 10 to the ATM machine through the control center (1) and the communication network (3) (2);

B7. After receiving the data package 10, the ATM machine (2) transmits the data package 10 to the merchant card (5) in the ATM machine (2); the merchant card chip (501) in the merchant card (5) is from the data package 10 Find the data package 9, the merchant card number (506), the index number (D02), etc., and extract the same index number (D02) from the key table (D) of the merchant card chip (501) from the index number (D02). The key corresponding to the index number (C02) (C01) decrypts the data package 9 and restores the data package 8. After successful decryption, it indicates that the data package 9 is sent by the receiving bank account center (6). In package 8, the data package 7, the card number (406), the index number (A02), the merchant card number (506), the transferred deposit amount, and the like are found, and the merchant card chip (501) stores the transaction data of the transfer account in the merchant. In the memory in the card chip (501), the decrypted merchant card chip (501) deletes the key (C01) from the key table (C); The merchant card (5) transmits the data package 8 to the ATM machine (2) _;

The ATM machine (2) transmits the data package 8 to the smart card '(4) through the card reader, and displays the transferred deposit amount through the display screen (203) of the ATM machine (2), and prints the receipt to the card owner;

The main chip (401) in the smart card (4) finds the data packet 7, the card number (406), the index number (B02), the merchant card number (506), the transferred deposit amount, and the like from the data package 8, from the index number (B02). Extracting the key (A01) corresponding to the same index number (A02) of the index number (B02) in the key table (A) of the main chip (401), decrypting the data packet 7 and restoring the data packet 6, decrypting After successful, the package 7 is issued by the issuing bank account center (7), and the main chip (401) stores the transaction data of the transfer deposit in the memory in the main chip (401), and decrypts the main chip. (401) from the key table

Delete the key (A01) in (A);

The main chip (401) finds the card number (406), the merchant card number (506), the transfer amount of the deposit, and the like from the package 6, and displays the transferred deposit amount to the card owner through the display device (403), and the main chip (401) The smart card (4) is automatically locked, and the locked smart card (4) can be used only after entering the correct card opening password.

The portable ATM machine system of the present invention has a simple structure and low cost, and after the merchant installs the portable ATM machine (2) of the present invention, the business hours can be recovered to prepare the banknotes to be deposited in the bank, through the ATM machine (2) Directly to the customer, the merchant can reduce the manpower and cost of depositing the banknotes into the bank, and can charge a fee to the customer who withdraws or deposits. The implementation of the invention can benefit both the customer and the merchant, and is beneficial to both the customer and the manufacturer.

Claims

Rights request

A portable ATM machine system for a customer to withdraw or deposit cash from a merchant of a set ATM machine with his smart card, characterized in that the system mainly comprises a control center (1), one or more ATM machines

(2), communication network (3), multiple smart cards (4), multiple merchant cards (5), collection bank account center (6), card issuing bank account center (7),

among them,

The ATM machine (2) is set at the predetermined merchant or the scheduled place. There is no cash storage in the set ATM machine (2), and it operates according to the predetermined procedure, through the control center (1), the communication network (3), the receiving bank. The account center (6), the card issuing bank account center (7), etc., perform the transfer operation between the smart card (4) and the account of the merchant card (5);

as well as,

The card issuing bank accounting center (7) is the bank's computer accounting system for issuing smart cards (4).

2. The portable ATM machine system according to claim 1, wherein the main structure of the control center (1) comprises a control center computer system (101) and a plurality of mobile phones (102), wherein The central computer system (101) is responsible for saving and tracking the operation records of all ATM machines (2) and monitoring each ATM machine (2). It is connected to each ATM machine (2) via the mobile phone (102) via the communication network (3). Communication, wherein each mobile phone (102) used for communication is inserted with a dedicated SIM card, and each dedicated SIM card has a dedicated mobile phone number, and the mobile phone using these dedicated SIM cards can only be used with each ATM machine (2) communication.

3. The portable ATM machine system according to claim 1 or 2, wherein the main structure of the ATM machine (2) comprises a controller (201), a keyboard (202), and a display screen (203). a printer (204), a card reader (205), a mobile phone (206), wherein the controller (201) is provided with a CPU and a memory, and is connected to other components, and operates according to a predetermined program to realize predetermined transfer and data. The transmission and other functions, and the mobile phone (206) is a communication tool between the ATM machine and the control center (1), mainly for transmitting and receiving data. The mobile phone (206) is inserted with a dedicated SIM card, which is provided by the mobile phone network provider, can only communicate with the control center (1), and the controller (201) stores a unique ATM number (207), and When the customer does not withdraw or deposit cash from the ATM machine (2), the merchant card (5) is separated from the ATM machine (2) and is inserted only when the customer deposits it.

4. The portable ATM machine system according to claim 1, wherein the smart card (4) refers to a credit card issued by a card issuing bank, or a debit card, or a bank card such as a cash card, and the main structure thereof Main chip

(401), a keyboard (402), a display device (403), a communication interface (404), a power supply (405), wherein the main chip (401) is provided with a CPU and a memory, and is connected to other components, as scheduled The program operates to implement various predetermined functions, including encrypting, decrypting, and storing the transaction data, transmitting the data through the communication interface (404) and the card reader (205) of the ATM machine (2), displaying the information through the display device (403), The function of reading the data input by the card main body through the keyboard (402), and the smart card (4) is powered by the power source (405), and the power source (405) may be a battery or a solar battery.

as well as,

The main chip (401) is provided with a unique card number (406) and a key table (A). The key table (A) stores a plurality of keys for encrypting and decrypting and verifying the identity of the smart card (4) ( A01) and the index number (A02), each index number (A02) corresponds to a key (A01).

5. The portable ATM machine system according to claim 1 or 4, wherein the main chip (401) is encrypted from the key table (A) every time the transaction data is encrypted. Extracting an unused key (A01) to encrypt the transaction data, and each time the main chip (401) decrypts the transaction data, it extracts a key corresponding to the transaction data from the key table (A) according to a predetermined procedure. The key (A01) decrypts the transaction data, and after the main chip (401) encrypts or decrypts the transaction data, the key (A01) is deleted or discarded or marked as used, so that the key (A01) ) will not be used by the smart card (4) again. The portable ATM machine system according to claim 4, wherein said main chip (401) is further provided with a card opening password, and the card player must pass the keyboard (402) before using the smart card (4) each time. ) Enter the correct card-opening password to use the smart card (4) for each operation. The portable ATM machine system according to claim 1, wherein the main business card (5) comprises a merchant card chip (501), a keyboard (502), a display device (503), and a communication interface ( 504), a power supply (505), wherein the merchant card chip (501) is provided with a CPU and a memory, and is connected with other components, and operates according to a predetermined program to implement various predetermined functions, including encrypting and decrypting transaction data. , storing, transmitting data through the communication interface (504) and the controller (201) of the ATM machine (2), displaying information through the display device (503), reading data input by the merchant through the keyboard (502), and the merchant The card (5) is powered by a power source (505), which may be a battery or a solar cell or powered by an ATM machine (2).

as well as,

The merchant card chip (501) has a unique card number (506) and a key table (C). The key table (C) stores a plurality of secrets for encrypting and decrypting and verifying the identity of the merchant card (5). Key (C01) and index number (C02), each index number (C02). Corresponding to a key (C01). The portable ATM machine system according to claim 1 or 7, wherein said merchant card chip (501) extracts a piece of key table (C) according to a predetermined program each time the transaction data is encrypted. The unused key (C01) encrypts the transaction data, and each time the merchant card chip (501) decrypts the transaction data, it extracts a key corresponding to the transaction data from the key table (C) according to a predetermined procedure. (C01) Decrypt the transaction data, and after the merchant card chip (501) encrypts or decrypts the transaction data, the key (C01) is deleted or discarded or marked as used, so that the key (C01) ) will not be used again by the merchant card (5). The portable ATM machine system according to claim 8, wherein said merchant card chip (501) is provided with a card opening password, and each time the merchant card (5) is inserted into the ATM machine (2), it must be used. Through the keyboard (502) Enter the correct card-opening password. After the merchant card (5) checks that the card-opening password is correct, the merchant card (5) can be inserted into the ATM (2).

10. The portable ATM machine system according to claim 1 or 7, wherein the card collecting bank account center (6) is provided with a plurality of merchant card accounts, and each merchant card account corresponds to a merchant account. Card (5) and an ATM (2), each merchant card account has a key table (D), and stores the merchant card number (506) of the merchant card (5) corresponding to the merchant card account and Corresponding ATM machine number (207) and an account password. The key table (D) stores multiple keys (D01) and multiple index numbers (D02), and each index number (D02) corresponds to a key. (D01), the key table (D) in each merchant card account is paired with the key table (C) in the merchant card (5) of the account, and each key (D01) has a matching pair Key (C01), each pair of paired keys (C01) and key (D01), their corresponding index number (C02) and index number

(D02) is the same.

The portable ATM machine system according to claim 1 or 4, wherein the card issuing bank account center (7) is provided with a plurality of smart card accounts, and each smart card account corresponds to a smart card (4) Each smart card account has a key table (B), and stores the card number (406) of the smart card (4) corresponding to the smart card account and an account password, and the key table (B) stores multiple pieces. Key (B01) and multiple index numbers (B02), each index number (B02) corresponds to a key (B01), the key table (B) in each smart card account and the smart card (4) in the account Key table (A) into a pairing relationship, each key

(B01) There is a paired key (A01), and each pair of paired keys (A01) and key (B01) have the same index number (A02) and index number (B02).

12. The portable ATM machine system according to claim 10, wherein: said card collecting bank account center (6) encrypts the transaction data each time, according to a predetermined program from the key table (D) Extracting an unused key (D01) to encrypt the transaction data, and the receiving bank account center (6) will extract a pair from the key table (D) according to the predetermined procedure each time the transaction data is decrypted. The key of the transaction data (D01) should be used to decrypt the transaction data, and after the card collection center (6) encrypts or decrypts the data, the key (D01) will be used. Delete or discard or mark as used so that the key (D01) will not be used again by the receiving bank's accounting center (6).

13. The portable ATM machine system according to claim 11, wherein the card issuing bank accounting center (7) encrypts the transaction data each time, and proceeds from the key table (B) according to a predetermined program. Extracting an unused key (B01) to encrypt the transaction data, and, each time the transaction data is decrypted, the issuing bank account center (7) extracts a corresponding transaction from the key table (B) according to a predetermined procedure. The key of the data (B01) decrypts the transaction data, and after the card issuing bank (7) encrypts or decrypts the data, the key (B01) is deleted or discarded or marked as used. The bar key (B01) will not be used again by the issuing bank account center (7).

14. A method of transferring money by means of a portable ATM machine for a customer to withdraw or deposit cash from a merchant of a set ATM machine using his smart card, using the system of any one of claims 1 to 13, and characterized in that The method described above is encrypted by the smart card (4) with the key (A01) and transmitted to the merchant card (5) in the ATM (2), and then by the merchant card (5) with the key (C01) Encrypt the data and transfer the data to the receiving bank's accounting center (6) and the issuing bank's accounting center (7) through the ATM machine (2) and the communication network (3). The receiving bank's accounting center (6) The data is decrypted using the key (D01) paired with the key (C01). After successful decryption, the data is sent by the merchant card (5), and the card issuing bank (7) uses and keys. (A01) The paired key (B01) decrypts the data and restores the transfer information. After the decryption succeeds, the data is sent by the smart card (4), and then the bank account center (6) and the card issuing bank account are collected. ' Center (7) based on the contents of the transfer information Bank account operations.

15. The method of transferring money by a portable ATM machine according to claim 14, wherein the method comprises the following group A step, wherein the card owner passes the ATM card (2) into the bank account of the smart card (4). The money is transferred to the bank account of the merchant card (5), and then the cashier of the same amount of the transfer is handed over to the card owner by the merchant's cashier. The specific steps are as follows: Al. The card master inputs the card opening password on the keyboard (402) on the smart card (4). After the main chip (401) in the smart card (4) checks the card opening password is correct, the display device (403) displays the prompt message, and the prompt card The master can start using the smart card (4) and guide the card master to input the withdrawal amount and the account password; the master chip (401) in the smart card (4) extracts a key (A01) from the card key table (A). And the corresponding index number (A02), the data packet A is encrypted into the data package B by the key (A01), and the encrypted main chip (401) deletes the key (A01) from the key table (A); The content of the package A includes the card number (406), the withdrawal amount, the account password and the like;

The main chip (401) combines the data packet 8, the withdrawal amount, the card number (406) and the index number (A02) into a data package C;

A3. ATM machine (2) After reading the data package C through the card reader (205), the ATM machine number (207), the data package C and the like are transmitted to the merchant card in the ATM machine (2) (5) ) ;

The merchant card chip (501) in the merchant card (5) extracts a key (C01) and a corresponding index number (C02) from the card key table (C), and uses the key (C01) to carry the packet D The encryption becomes the data package £, and the encrypted merchant card chip (501) deletes the key (C01) from the key table (C); the content of the data package D includes the merchant card number (506) and the ATM machine number ( 207), information package C, etc.; the merchant card chip (501) in the merchant card (5) combines the data package E, the merchant card number (506), the index number (C02) and the like into the data package F, and then through the communication interface ( 504) transmitting the data package F to the ATM machine (2);

The ATM machine (2) transmits the data package F to the card collecting bank account center through the communication network (3) and the control center (1) (6);

A4. Receiving Bank Account Center (6) Find the package E, the merchant card number (506), the index number (C02) from the content of the package F, and find the merchant corresponding to the merchant card number (506) from the merchant card number (506). Card account, from the index number (C02), extract the key (D01) corresponding to the same index number (D02) of the index number (C02) in the key table (D) of the merchant card account to decrypt the packet E Restore packet D, After successful decryption, it indicates that the data package E is sent from the merchant card (5) corresponding to the merchant card number (506), and the decrypted card is collected from the account center (6) from the key table (D). The key (D01) is deleted; the receiving bank account center (6) finds the data package (:, merchant card number (506), ATM machine number (207), withdrawal amount, etc. from the package D, and checks the ATM number (207) And the merchant card number (506) belong to the same merchant. After checking that both belong to the same merchant, the package C and the merchant card number will be

A5. After issuing the data package C, the merchant card number (506), the withdrawal amount and other information, the card issuing bank account center (7) finds the data package B, the card number (406) and the index number (A02) from the content of the package C. The smart card account corresponding to the card number (406) is found from the card number (406), and the same index number (B02) as the index number (A02) is extracted from the key table (B) of the smart card account from the index number (A02). Corresponding key (B01) 4 decrypts the data packet A after each data packet B decryption. After successful decryption, it indicates that the data packet B is sent from the smart card (4) corresponding to the card number (406), and the card is issued after decryption. Center (7) deletes the key (B01) from the key table (B);

After the transfer is successful, the issuing bank account center (7) extracts another key (B01) and the corresponding index number (B02) from the key table (B) of the smart card account, and the key (B01) will be The data packet 1 is encrypted into the data package 2, and the encrypted card issuing bank (7) deletes the other key (B01) from the key table (B); the content of the data package 1 includes the card number (406) ), merchant card number (506), transferred withdrawal amount and other information;

The card issuing bank account center (7) composes the data packet 2, the card number (406), the index number (B02) of the key (B01), the merchant card number (506), the transferred withdrawal amount and the like into the data package 3; The card issuing bank account center (7) transmits the data package 3 to the card collecting bank account center through the control center (1) (6);

A6. After receiving the package 3, the receiving bank account center (6) finds the data package 2, the card number (406), the index number (B02), the merchant card number (506), the transferred withdrawal amount, etc. from the package 3. Information, knowing that the transfer was successful, the transaction details of the transfer and withdrawal are stored;

The receiving bank account center (6) extracts another key (D01) and a corresponding index number (D02) from the key table (D) of the merchant card account of the merchant card number (506), with the key (D01) encrypting the packet 3 into the packet 4, and after encrypting, the card receiving bank (6) deletes the other key (D01) from the key table (D);

The receiving bank account center (6) transmits the packet 5 to the ATM (2) through the control center (1) and the communication network (3);

A7. After receiving the data package 5, the ATM machine (2) transmits the data package 5 to the merchant card (5) in the ATM machine (2); the merchant card chip (501) in the merchant card (5) from the data package 5 Find the data package 4, merchant card number (506), index number (D02) and other data, and extract the same index number (D02) from the key table (D) of the merchant card chip (501) from the index number (D02). The key corresponding to the index number (C02) (C01) decrypts the data packet 4 and restores the data packet 3. After the decryption is successful, it indicates that the data packet 4 is sent by the receiving bank account center (6), and the data is sent. In package 3, the information package 2, card number (406), index number (A02), merchant card number (506), transferred withdrawal amount, etc. are found, and the merchant card chip (501) stores the transaction data in the merchant card chip. In the memory in (501), the decrypted merchant card chip (501) deletes the key (C01) from the key table (C);

The merchant card (5) transmits the packet 3 to the ATM (2) _;

The ATM machine (2) displays the transferred withdrawal amount through the display screen (203), and prints the receipt to the card owner through the printer (204), and then transmits the data package 3 to the smart card (4) through the card reader, and the cashier After seeing the display (203) showing the information of the transferred withdrawal amount, knowing that the transfer and withdrawal is successful, immediately count the cash equivalent to the withdrawal amount to the card owner; The main chip (401) in the smart card (4) finds the data package 2, the card number (406), the cable number I (B02), the merchant card number (506), the transferred withdrawal amount, and the like from the data package 3, from the index number. (B02) The key (A01) corresponding to the same index number (A02) as the index number (B02) is extracted from the key table (A) of the master chip (401), and the packet 2 is decrypted and restored to the packet 1 After successful decryption, the packet 2 is sent by the issuing bank account center (7), and the main chip (401) stores the transaction data in the memory in the main chip (401), and decrypts the main chip. (401) delete the key (A01) from the key table (A);

16. The method of transferring money by a portable ATM machine according to claim 14, wherein the method comprises the following group B step, which is a step of the merchant card owner depositing cash into the bank account of the smart card (4), The card owner will deposit the cash deposited into the account to the cashier, and the cashier will transfer the money from the bank account of the merchant card (5) to the bank account of the smart card (4) through the ATM machine (2). Then the merchant will deposit the cash received into the bank by himself. The specific steps are as follows -

B1. The card master inputs the card opening password on the keyboard (402) on the smart card (4), and the main chip (401) in the smart card (4) checks the card opening password is correct, and then displays the prompt message through the display device (403), the prompt card The master can start using the smart card (4);

The card owner will deposit the cash deposited in the account to the store cashier. After the cashier counts, enter the deposit amount and the merchant card in the ATM machine (2) on the keyboard (202) on the ATM machine (2) (5) The account password and other information; B2. The card owner puts the smart card (4) on the card reader (205) of the ATM machine (2), and the smart card (4) transmits the card number (406) to the ATM machine through the communication interface (404) ( 2) ;

B3. The ATM machine (2) transmits the card number (406) and the ATM machine number (207) and the deposit amount and account password entered by the cashier in step B1 to the merchant card in the ATM machine (2) (5) ; The merchant card chip (501) in the merchant card (5) extracts a key (C01) and a corresponding index number (C02) from the card key table (C), and uses the key (C01) to pack the packet R The encryption becomes the data package S, and the encrypted merchant card chip (501) deletes the key (C01) from the key table (C); the content of the data package R includes the merchant card number (506) and the ATM machine number ( 207), deposit amount, account password, card number (406) and other information;

The merchant card chip (501) in the merchant card (5) groups the data package S, the merchant card number (506), the index number (C02) and the like into the data package T, and then packs the data package through the communication interface (504). Transfer to the ATM (2);

B4. Receiving Cards Accounting Center (6) Find the package S, the merchant card number (506), the index number (C02) from the information package, and find the corresponding merchant card number (506) from the merchant card number (506). In the merchant card account, the key (D01) corresponding to the same index number (D02) of the index number (C02) is extracted from the key table (D) of the merchant card account from the index number (C02). The decryption restores the data package R. After successful decryption, it indicates that the data package S is sent from the merchant card (5) corresponding to the merchant card number (506), and the decrypted card receiving bank account center (6) is from the key table ( D) delete the key (D01); the receiving bank account center (6) finds the merchant card number (506), ATM machine number (207), deposit amount, account password, card number (406) from the package R ), etc., check whether the ATM number (207) and the merchant card number (506) belong to the same merchant, check that both belong to the same merchant, and then check the account password, and all the checks are correct from the merchant card number. 506) The amount of the transfer deposit amount in the merchant card account The smart card number (406) Smart card account in issuing central bank accounts (7);

B5. After successful transfer, the issuing bank account center (7) extracts a key (B01) and a corresponding index number (B02) from the key table (B) of the smart card account, with the key (B01) The data packet 6 is encrypted into the data package 7, and the encrypted card issuing bank (7) deletes the other secret key (B01) from the key table (B); the content of the data package 6 includes the card number. (406), merchant card number (506), amount of transferred deposits, etc.; The card issuing bank account center (7) will make the data package 7, the card number (406), the index number (B02) of the key (B01), the merchant card number (506), the transferred deposit amount and other information into the data package 8;

The issuing bank account center (7) transmits the data package 8 to the receiving bank's accounting center through the control center (1) (6);

Receiving Bank Account Center (6) 'Extract another key (D01) and the corresponding index number (D02) from the key table (D) of the merchant card account of the merchant card number (506) to the secret The key (D01) encrypts the data package 8 into the data package 9, and after encryption, the collection bank account center (6) deletes the other key (D01) from the key table (D);

The receiving bank account center (6) will make the data package 9, the merchant card number (506), the index number (D02) and other information into a data package 10;

B7. After receiving the data package 10, the ATM machine (2) transmits the data package 10 to the merchant card (5) in the ATM machine (2); the merchant card chip (501) in the merchant card (5) from the data package 10 Find the data package 9, the merchant card number (506), the index number (D02), etc., and extract the same index number (D02) from the key table (D) of the merchant card chip (501) from the index number (D02). The key corresponding to the index number (C02) (C01) decrypts the data package 9 and restores the data package 8. After successful decryption, it indicates that the data package 9 is sent by the receiving bank account center (6), and the data is sent. In package 8, the data package 7, the card number (406), the index number (A02), the merchant card number (506), the amount of the transfer deposit, and the like are found, and the merchant card chip (501) stores the transaction data of the transfer deposit in the merchant card. In the memory in the chip (501), the decrypted merchant card chip (501)

• Delete the key (C01) from the key table (C);

The merchant card (5) transmits the data package 8 to the ATM (2);

The ATM machine (2) transmits the data package 8 to the smart card (4) through the card reader, and displays the transferred deposit amount through the display screen (203) of the ATM machine (2), and prints the receipt to the card owner; The main chip (401) in the smart card (4) finds the data packet 7, the card number (406), the index number (B02), the merchant card number (506), the transferred deposit amount, and the like from the data package 8, from the index number (B02). Extracting the key (A01) corresponding to the same index number (A02) of the index number (B02) in the key table (A) of the master chip (401), decrypting the data packet 7 and restoring the data packet 6 to decrypt After the success, the package 7 is issued by the issuing bank account center (7), and the main chip (401) stores the transaction data of the transfer deposit in the memory in the main chip (401), and decrypts the main chip. (401) from the key table

Delete the key (A01) in (A);

The main chip (401) finds the card number (406), the merchant card number (506), the transfer deposit amount and the like from the package 6, and displays the transferred deposit amount to the card owner through the display device (403), and the main chip (401) The smart card (4) is automatically locked, and the locked smart card (4) can be used only after entering the correct card opening password.