WO2013001133A1 - Détection et prévention de la fraude par carte bancaire pour les automates bancaires - Google Patents

Détection et prévention de la fraude par carte bancaire pour les automates bancaires Download PDF

Info

Publication number
WO2013001133A1
WO2013001133A1 PCT/FI2011/000034 FI2011000034W WO2013001133A1 WO 2013001133 A1 WO2013001133 A1 WO 2013001133A1 FI 2011000034 W FI2011000034 W FI 2011000034W WO 2013001133 A1 WO2013001133 A1 WO 2013001133A1
Authority
WO
WIPO (PCT)
Prior art keywords
bank
card
automat
information
rfid
Prior art date
Application number
PCT/FI2011/000034
Other languages
English (en)
Inventor
Kaveh Mirfakhraei
Original Assignee
Kaveh Mirfakhraei
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Kaveh Mirfakhraei filed Critical Kaveh Mirfakhraei
Priority to PCT/FI2011/000034 priority Critical patent/WO2013001133A1/fr
Publication of WO2013001133A1 publication Critical patent/WO2013001133A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/201—Accessories of ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/205—Housing aspects of ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network

Definitions

  • Terminal means a bank automat or an ATM terminal which is used when a person using a bank-card or credit card to get cash money or pay in a shop.
  • Customer here in after is the person who is rightfully using his bank-card or credit card. At the moment there is very less to be done to prevent a bank card fraud when a bank card is stolen with the correct password.
  • the cases where the bank-card and the correct password has somehow been stolen and then used to take money from the bank automats have recently increased.
  • This invention relates to using a relatively known technology and a new process for verification of the true identity of the person using the bank card while using a terminal so that using the stolen bank card will not be possible even with a having a correct password, but only it will be possible for the true owner of the bank card.
  • An object of the present invention is to provide a method and an apparatus for implementing the method so as to alleviate the above problems.
  • the invention aims at providing a technique which enables owners of bank cards safely use their bank cards. In case a bank card is stolen with the password, the stolen bank card could not be used with the bank automats which are equipped with this fraud prevention technique.
  • the object of the invention is achieved by methods, equipment and software and hardware products which are characterized by what is stated in the independent claims.
  • a method for identification of the owner of the bank card using a bank automat is provided.
  • the method comprises:
  • Bank automat can then communicate with the bank server to transfer the RFID Tag information as well as the bank card information and password to the server;
  • Bank server then authenticates the bank card and matches it with the true owner of the RFID Tag and then sends positive identification to the bank automat;
  • Bank automat will then proceed to execute the commands as given by the owner of the bank card;
  • An element of the inventive idea is combining the RFID technology with the current methods used for authentication of the true owner identity.
  • the correct owner of the bank card is the person who has the bank card, the password and the correct RFID tag all three at the same time when using the bank card in a bank automat or other terminal.
  • FIG 1 shows different types of RFID Tags which the users of bank cards can carry with themselves while using the bank card.
  • FIG. 1 shows the process of which the invention can be used
  • FIG. 1 shows the process in which the invention can be used.
  • the two major portions of the inventive concept are the integration of RFID Readers and their middleware in the bank automat and use of RFID Tags in parallel with the bank card and password for authentication of the user's rights.
  • Radio frequency identification (RFID) tags are used as a second means for identification method.
  • a typical RFID tag includes an antenna and a silicon chip containing modulation circuits, control logic and non-volatile memory.
  • the silicon chip derives electrical power from radio signals received by the antenna or from a battery, and is able to exchange data with a RFID tag reader, by demodulating and modulating radio signals.
  • the device coupled to the RFID tag can read and write from and to the memory of the RFID tag using radio signal transmission.
  • An RFID-based solution comprises a Tag reader software integrated in the bank automat when activated, emits a short-range radio signal that powers up the tag, enabling the data on the tag to be read.
  • Each tag contains a specific serial number identifies the owner of the bank card. The service can be initiated simply by the owner of the bank card having the tag in his pocket and standing in front of the bank automat within a reasonable distance of about 1 meter.
  • the authentication related information such as the name of the card owner, year of birth, type of the card and name of the bank and other owner and bank related information, may be stored in the RFID tag as a unique serial number at the time the tag is given to the bank card owner by the bank.
  • Fig 2 shows the process of the authentication asfollows: Number 1 bank card owner standing in front of the bank automat and placing his bank card into the automat. Number 2 the bank card is read and the information of it with the password given are transferred to the bank server for authentication of the card. Number 3 the Tag reader is reading the RFID Tag which is being carried by the ban card user. Number 4 the RFID reader sends the Tag information to bank server using the middleware software embedded in the bank automat. Number 5 the server authenticates both the bank card, and the RFID card. If they match and the password is also correct, the positive identification result is sent to the bank automat. Number 6 the bank automat will continue to serve the user. In case of a negative match, the process will act according to the processes of a stolen or missing card for each bank.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Software Systems (AREA)
  • Burglar Alarm Systems (AREA)

Abstract

L'invention concerne un système composé d'un automate bancaire équipé d'un lecteur d'étiquettes RFID, d'un logiciel médiateur de RFID pour lire correctement les informations provenant de l'étiquette et transférer les informations au logiciel de l'automate bancaire, un serveur bancaire auquel est relié l'automate bancaire et qui dispose d'informations sur toutes les étiquettes RFID distribuées aux détenteurs de cartes bancaires. Lorsqu'un utilisateur de carte bancaire muni d'une étiquette RFID s'approche de l'automate bancaire, appose sa carte bancaire ou sa carte de crédit sur l'automate bancaire et donne le mot de passe correct, l'automate bancaire transfert les données de la carte et le mot de passe donné ainsi que les informations provenant de l'étiquette RFID au serveur bancaire aux fins d'authentification. Si les informations de l'étiquette RFID correspondent au détenteur de la carte et si la carte et le mot de passe correspondent entre eux, le serveur envoie une information d'authentification positive à l'automate bancaire et le processus de traitement de la demande liée à la carte détenteur se poursuit. Si les informations figurant sur l'étiquette ne correspondent pas à la carte bancaire, ou si les informations relatives à l'étiquette RFID sont manquantes, le serveur envoie une réponse négative à l'automate bancaire et le processus continue de la façon définie par la banque dans les cas d'utilisation frauduleuse, de vol ou de perte d'une carte bancaire ou d'une carte de crédit.
PCT/FI2011/000034 2011-06-28 2011-06-28 Détection et prévention de la fraude par carte bancaire pour les automates bancaires WO2013001133A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/FI2011/000034 WO2013001133A1 (fr) 2011-06-28 2011-06-28 Détection et prévention de la fraude par carte bancaire pour les automates bancaires

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/FI2011/000034 WO2013001133A1 (fr) 2011-06-28 2011-06-28 Détection et prévention de la fraude par carte bancaire pour les automates bancaires

Publications (1)

Publication Number Publication Date
WO2013001133A1 true WO2013001133A1 (fr) 2013-01-03

Family

ID=47423469

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/FI2011/000034 WO2013001133A1 (fr) 2011-06-28 2011-06-28 Détection et prévention de la fraude par carte bancaire pour les automates bancaires

Country Status (1)

Country Link
WO (1) WO2013001133A1 (fr)

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103903395A (zh) * 2014-03-27 2014-07-02 成都微英威诺环境监控设备有限公司 基于mems加速度计的低成本山体滑坡预警记录装置
US9380421B1 (en) 2014-11-07 2016-06-28 Wells Fargo Bank, N.A. Multi-channel geo-fencing systems and methods
CN108376446A (zh) * 2018-02-02 2018-08-07 上海农村商业银行股份有限公司 一种利用自助设备进行存单续存的方法及系统
US10154372B1 (en) 2014-11-07 2018-12-11 Wells Fargo Bank, N.A. Real-time custom interfaces through multi-channel geo-fencing
US11213773B2 (en) 2017-03-06 2022-01-04 Cummins Filtration Ip, Inc. Genuine filter recognition with filter monitoring system
US11354632B1 (en) 2016-04-01 2022-06-07 Wells Fargo Bank, N.A. Systems and methods for remote ATM access
US12125009B1 (en) 2022-06-06 2024-10-22 Wells Fargo Bank, N.A. Systems and methods for remote ATM access

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070215698A1 (en) * 2006-03-14 2007-09-20 Perry Daniel D Credit card security system and method
US7584885B1 (en) * 2003-04-01 2009-09-08 Diebold Self-Service Systems Division Of Diebold, Incorporated Currency dispensing ATM with RFID card reader
US20090299864A1 (en) * 2008-05-28 2009-12-03 First Data Corporation Systems and methods of payment account activation

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7584885B1 (en) * 2003-04-01 2009-09-08 Diebold Self-Service Systems Division Of Diebold, Incorporated Currency dispensing ATM with RFID card reader
US20070215698A1 (en) * 2006-03-14 2007-09-20 Perry Daniel D Credit card security system and method
US20090299864A1 (en) * 2008-05-28 2009-12-03 First Data Corporation Systems and methods of payment account activation

Cited By (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103903395A (zh) * 2014-03-27 2014-07-02 成都微英威诺环境监控设备有限公司 基于mems加速度计的低成本山体滑坡预警记录装置
US11272317B1 (en) 2014-11-07 2022-03-08 Wells Fargo Bank, N.A. Multi-channel geo-fencing systems and methods
US10154372B1 (en) 2014-11-07 2018-12-11 Wells Fargo Bank, N.A. Real-time custom interfaces through multi-channel geo-fencing
US12069533B2 (en) 2014-11-07 2024-08-20 Wells Fargo Bank, N.A. Real-time custom interfaces through multi-channel geo-fencing
US11432103B1 (en) 2014-11-07 2022-08-30 Wells Fargo Bank, N.A. Real-time custom interfaces through multi-channel geo-fencing
US10687168B1 (en) 2014-11-07 2020-06-16 Wells Fargo Bank, N.A. Real-time custom interfaces through multi-channel geo-fencing
US11026043B1 (en) 2014-11-07 2021-06-01 Wells Fargo Bank, N.A. Multi-channel geo-fencing systems and methods
US11974188B1 (en) 2014-11-07 2024-04-30 Wells Fargo Bank, N.A. Multi-channel geo-fencing systems and methods
US9380421B1 (en) 2014-11-07 2016-06-28 Wells Fargo Bank, N.A. Multi-channel geo-fencing systems and methods
US11729578B1 (en) 2014-11-07 2023-08-15 Wells Fargo Bank, N.A. Real time custom interfaces through multi-channel geo-fencing
US11570573B1 (en) 2014-11-07 2023-01-31 Wells Fargo Bank, N.A. Multi-channel geo-fencing systems and methods
US10560799B1 (en) 2014-11-07 2020-02-11 Wells Fargo Bank, N.A. Multi-channel geo-fencing system and method
US11715078B1 (en) 2016-04-01 2023-08-01 Wells Fargo Bank, N.A. Systems and methods for remote ATM access
US11354631B1 (en) 2016-04-01 2022-06-07 Wells Fargo Bank, N.A. Systems and methods for remote atm access
US12067543B2 (en) 2016-04-01 2024-08-20 Wells Fargo Bank, N.A. Systems and methods for remote ATM access
US11354632B1 (en) 2016-04-01 2022-06-07 Wells Fargo Bank, N.A. Systems and methods for remote ATM access
US11213773B2 (en) 2017-03-06 2022-01-04 Cummins Filtration Ip, Inc. Genuine filter recognition with filter monitoring system
CN108376446A (zh) * 2018-02-02 2018-08-07 上海农村商业银行股份有限公司 一种利用自助设备进行存单续存的方法及系统
US12125009B1 (en) 2022-06-06 2024-10-22 Wells Fargo Bank, N.A. Systems and methods for remote ATM access

Similar Documents

Publication Publication Date Title
US11263619B2 (en) Secure credit card with near field communications
EP2038227B1 (fr) Système et procédé pour activer un instrument de paiement par téléphone
RU2427915C2 (ru) Аппаратура и способ осуществления платежа, интегрированного с доставкой электронных товаров
KR101330867B1 (ko) 결제 디바이스에 대한 상호인증 방법
US20090050689A1 (en) Electronic wallet device and method of using electronic value
CN102393938B (zh) 现场支付业务处理方法和智能卡
CN105493116A (zh) 用于提供支付凭证的方法和系统
US20120166344A1 (en) Secure wireless payment system and method thereof
CN103268547A (zh) 具有指纹认证机制的nfc手机支付系统
US20150242844A1 (en) System and method for secure remote access and remote payment using a mobile device and a powered display card
JP2011210268A (ja) データ送受信方法
CN104272315A (zh) Id认证
US20160012408A1 (en) Cloud-based mobile payment system
WO2013001133A1 (fr) Détection et prévention de la fraude par carte bancaire pour les automates bancaires
WO2013034192A1 (fr) Procédé de validation d'une transaction électronique, et système associé
CN102034307A (zh) 一种基于电子钱包的动态密码认证系统及方法
CN105184563A (zh) 一种nfc芯片的安全处理方法和装置
Qadeer et al. A novel scheme for mobile payment using RFID-enabled smart SIMcard
KR20190007196A (ko) 카드 소유자의 신원 확인을 이용하여 카드 동작 및 디지털 지갑 교환 제어를 위한 장치 및 방법
JPWO2019246533A5 (fr)
CN109670839A (zh) 一种现场支付业务处理方法和智能卡
CA2970007A1 (fr) La carte intelligente de bioid nfc
CN102081770A (zh) 一种支付方法、系统及装置
CN109670821A (zh) 一种现场支付业务处理方法和智能卡
EP4055543A1 (fr) Système et appareil de paiement

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 11868522

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205ADATED 16/04/2014)

122 Ep: pct application non-entry in european phase

Ref document number: 11868522

Country of ref document: EP

Kind code of ref document: A1