WO2013064269A1 - Procédé, unité de transaction, unité de terminal et unité de serveur dorsal pour traiter un numéro d'identification personnel - Google Patents

Procédé, unité de transaction, unité de terminal et unité de serveur dorsal pour traiter un numéro d'identification personnel Download PDF

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Publication number
WO2013064269A1
WO2013064269A1 PCT/EP2012/004601 EP2012004601W WO2013064269A1 WO 2013064269 A1 WO2013064269 A1 WO 2013064269A1 EP 2012004601 W EP2012004601 W EP 2012004601W WO 2013064269 A1 WO2013064269 A1 WO 2013064269A1
Authority
WO
WIPO (PCT)
Prior art keywords
pin
unit
user
emergency
terminal unit
Prior art date
Application number
PCT/EP2012/004601
Other languages
English (en)
Inventor
Bin JING
Original Assignee
Giesecke & Devrient Gmbh
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 Giesecke & Devrient Gmbh filed Critical Giesecke & Devrient Gmbh
Publication of WO2013064269A1 publication Critical patent/WO2013064269A1/fr

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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]
    • G07F19/207—Surveillance aspects at ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1058—PIN is checked locally
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1075—PIN is checked remotely

Definitions

  • the invention generally relates to transactions involving the processing or verifying of a PIN (personal identification number), and more specifically to a method, a transaction unit, a terminal unit and a backend server unit for processing a PIN.
  • PIN personal identification number
  • a transaction unit such as an IC (Integrated Circuit) card (also known as chip card) or a magnetic stripe card
  • a terminal unit such as an ATM (Automatic Teller Machine) or a POS terminal
  • PIN personal identification number
  • the PIN is very important and should only be known to the holder of the transaction unit (herein called user), under certain circumstances it might be difficult to keep the PIN secret. For example, in case of being threatened by a criminal not disclosing the PIN might have serious consequences. However, disclosing the PIN usually will result in a loss of money as the criminal can use this PIN to withdraw money from the account of the user.
  • the prior art PIN mechanisms provide no means for preventing or at least mitigating the bad consequences of the above described scenario. Moreover, in the prior art, if the entered PIN is correct, then the terminal unit or a backend system connected therewith regards it as being “legal” and process- es the transaction. However, if the PIN is incorrect, then the tenrtinal unit regards it as being “illegal” and rejects the transaction. Consequently, the prior art mechanism does not allow to distinguish between "legally” or “illegally” obtained PINs. Therefore, the security of the prior art PIN mechanism can be improved.
  • the object of the present invention is to overcome or at least mitigate the above described disadvantages of prior art PIN mechanisms.
  • the present invention is based on the idea to provide a PIN mechanism with two PINs, namely a normal PIN for normal transactions and an emergency or alarm PIN for transactions that are preferably apparently processed as a normal transaction, but wherein at least one, preferably secret emergency measure is triggered.
  • the invention provides for a method for processing, or more specifically verifying a PIN, wherein the method comprises the following steps: retrieving the PIN entered by a user of a terminal unit for authorizing a transaction; checking whether the PIN entered by the user is equal to a first normal PIN or to a second emergency or alarm PIN; in case the PIN entered by the user is equal to the first normal PIN, proceed with the transaction; in case the PIN entered by the user is equal to the second emergency or alarm PIN, trigger an appropriate emergency measure.
  • the emergency measure comprises an emergency measure not recognizable by the user of the terminal unit and/ or a third party, possibly a criminal, accompanying the user.
  • the emergency measure comprises an emergency measure recognizable by the user of the terminal unit and/ or a third party accompanying the user, such as an alarm sound, the closing and locking of a door of a room the terminal unit is located in and the like.
  • the method according to this first aspect of the pre- sent invention preferably comprises in addition to triggering an appropriate emergency measure the further step of proceeding with the transaction authorized by the user, as in the case of the first normal PIN.
  • the method comprises the additional step of transmitting the entered PIN to a transaction unit for verifying the entered PIN or to a backend server unit for verifying the entered PIN.
  • the method comprises the additional step of prompting the user to enter the PIN into the terminal unit once more, in case the entered PIN is neither the first normal PIN nor the second alarm PIN.
  • the step of triggering an appropriate emergency measure comprises dispatching an emergency call to the operator of the terminal unit, a police station, a security service and/ or the like.
  • the step of triggering an appropriate emergency measure comprises the step of displaying an emergency account balance to the user that is smaller than the actual account balance of the user.
  • this emergen- cy account balance associated with the second alarm PIN can be pre-set by the user of the terminal unit.
  • the present invention provides for a terminal unit for processing a PIN, wherein the terminal unit comprises:
  • an input unit for allowing the user to input a PIN for authorizing a transaction
  • a processing unit configured to:
  • the terminal unit further comprises an interface unit for tiansmitting the entered PIN to a transaction unit for verifying the entered PIN or to a backend server unit for verifying the entered PIN.
  • the terminal unit further comprises a display unit that notifies the user to input the PIN once more, in case the entered PIN is neither the first normal PIN nor the second alarm PIN.
  • the display unit is configured to display an emergency account balance to the user that is smaller than the actual account balance of the user.
  • this emergency account balance associated with the second alarm PIN can be pre-set by the user of the terminal unit.
  • the processing unit of the terminal unit is configured to trigger an emergency measure by dispatching an emergency call to the operator of the terminal unit, a police station, a security service and/ or the like.
  • the terminal unit can be configured as an ATM (automatic teller machine), a POS (point of sale) terminal or the like.
  • ATM automated teller machine
  • POS point of sale
  • the present invention provides for a transaction unit for performing a transaction with a terminal unit, wherein the transaction unit comprises:
  • an interface unit for receiving a PIN entered at the terminal unit for authorizing the transaction
  • a processing unit configured to:
  • the transaction unit can be configured as a chip card, magnetic stripe card, a mobile phone or the like.
  • the present invention provides for a backend server unit in communication with a terminal unit for processing a transaction with a transaction unit, wherein the backend server unit comprises: an interface unit for receiving a PIN entered at the terminal unit for authorizing the transaction; a processing unit configured to:
  • Fig. 1 shows a flowchart of a method of processing a PIN according to a preferred embodiment of the invention
  • Fig. 2 shows a flowchart of a method of processing a PIN according to another preferred embodiment of the invention
  • Fig. 3 shows a flowchart of a method of processing a PIN according to another preferred embodiment of the invention
  • FIG. 4 shows a flowchart of a method of processing a PIN according to another preferred embodiment of the invention
  • Fig. 5 shows a flowchart of a method of processing a PIN according to another preferred embodiment of the invention.
  • Fig. 6 shows a flowchart of a method of processing a PIN according to an- other preferred embodiment of the invention.
  • FIG. 1 shows steps of a method for processing or verifying a PIN according to a first preferred embodiment of the invention.
  • a user of a terminal unit e.g. an ATM or a POS terminal
  • enters a PIN for instance by means of a keypad of the terminal unit
  • a transaction such as withdrawing cash money or effecting an electronic payment.
  • the user generally will have to use a transaction unit, such as a chip card or magnetic stripe card, for identifying himself, e.g. by inserting the chip card into the terminal unit.
  • a transaction unit such as a chip card or magnetic stripe card
  • the present invention can also be advantageously employed in cases where the chip card communicates with the terminal unit over the air interface, such as by means of NFC.
  • the transaction unit does not have to be a chip card or magnetic stripe card, but could also be a mobile communication device, such as a smartphone.
  • step 102 of figure 1 the PIN entered by the user is verified, i.e. it is checked whether the PIN entered by the user is equal to a first normal PIN or to a second emergency or alarm PIN.
  • both the first normal PIN and the second emergency PIN are 4 digit numbers, e.g. "1234" and "4321", that are stored in an appropriate manner on the terminal unit, the transaction unit and/ or a backend server unit in communication with the terminal unit as well as a plurality of several other terminal units.
  • the step of verifying the PIN can be performed by the tenriinal unit, the transaction unit and/ or the backend server unit.
  • step 102 of figure 1 In case it is verified in step 102 of figure 1 that the PIN entered by the user is equal to the first normal PIN stored on the terminal unit, transaction unit or backend server unit, the terminal unit will proceed with the transaction requested by the user, such as issuing cash money or effecting an electronic payment (step 103 of figure 1). However, in case it is verified in step 102 of figure 1 that the PIN entered by the user is equal to the second emergency or alarm PIN stored on the terminal unit, transaction unit or backend server unit, appropriate emergency measures will be triggered (step 104 of figure 1).
  • the emergency measures can include emergency measures recognizable by the user and/ or a third party accompanying the user (possibly a criminal), such as an alarm sound or the closing and locking of a door of a room the terminal unit is located in, or emergency measures not recognizable by the user and/ or a third party accompanying the user, such as dispatching an emergency call to the operator of the terminal unit, a police station, a security service and/ or the like.
  • the method according to this preferred embodiment of the present invention preferably comprises in addition to triggering an appropriate emergency measure the further step of proceeding with the transaction authorized by the user, as in the case of the first normal PIN.
  • the step of triggering an appropriate emergency measure comprises the step of displaying an emergency account balance to the user (for instance on a display unit of the terminal unit) that is smaller than the actual account balance of the user.
  • this emergency account balance associated with the second alarm PIN can be pre-set by the user of the terminal unit.
  • the PIN entered by the user is not equal to the first normal PIN or the second alarm PIN, is not shown in figure 1.
  • the user is preferably prompted to enter his PIN into the terminal unit once more, for instance by displaying a corresponding message on the display unit of the terminal unit.
  • FIGS 2 to 6 show further preferred embodiments of the invention in more detail.
  • a bank business transaction process adding Alarm PIN As in Figure 2, it is one embodiment of this invention: A bank business transaction process adding Alarm PIN. The main change to the transaction is the process of verifying PIN and triggering Alarming device secretly. As in Figure 3, it is one embodiment of this invention: A business transaction process for the IC Card supporting Alarm PIN. As in Figure 4, it is one embodiment of this invention: A business transaction process for the ATM terminal supporting Alarm PIN referring to figure 3. After IC card received the Verify PIN command from the bank terminal, it's COS (Chip Operating Sys- tern) verify the PIN value: it responds 9000 if the PIN is normal PIN, it responds 6578 if the PIN is Alarm PIN; it responds 63cx if the PIN is neither normal PIN nor Alarm PIN.
  • COS Chip Operating Sys- tern
  • the ATM machine carries out different process for different verifying result.
  • a business transaction process for the chip card supporting Alarm PIN As in Figure 6, it is one embodiment of this invention: A business transaction process for the ATM terminal supporting Alarm PIN referring to Fig 5.
  • the server After the server received the PIN sent by the ATM temiinal, it verify the PIN value: If the PIN is normal PIN after verifying PIN then the result is the normal PIN response code; If the PIN is Alarm PIN after verifying PIN then the result is the Alarm PIN response code; If the PIN is neither normal PIN nor Alarm PIN after verifying PIN then the result is another code different from the normal PIN re- sponse code and Alarm PIN response code.
  • the ATM machine carries out different process for different verifying result.
  • the embodiments of this invention store two PINs for each account in the IC card / magnetic stripe card or payment system, wherein one PIN is the nor- mal PIN as in the prior art, the other is the Alarm PIN.
  • the function of the normal PIN is the same as the prior art, which can be used to complete the account operation if inputting the normal PIN.
  • the function of the Alarm PIN is different from the prior art: to the IC card, it responds a special code while mputting Alarm PIN.
  • the payment system will complete the account operation and launch alarming process after identifying the special code; to the magnetic stripe card, the payment system will complete the account operation and launch alarming process after identifying the special code.
  • the alarming process launched in the payment system may be linked to the alarming system of Public Security Agency.
  • the Public Security Agency can trace and arrest the illegal cardholder without the illegal person's awareness. This solution can curb crime. The criminal can be found even though he is able to take money from the account. Furthermore, the displayed balance is not the real value if the inputted PIN is the Alarm PIN. The legal cardholder is able to set the limit of the displayed balance in advance.
  • all illustrative logical block, unit, and step described in the embodiments of this invention may be implemented with electric hardware, computer software or the combination of them.
  • all above illustrative components, units and steps are described their functions in general. These functions implemented by hardware or software are dependent on the special application or system requirements.
  • the technical people in this area may adopt various methods to implement the said function in a certain application. But this implementation should not be regarded as out of the protective scope of this invention.
  • All illustrative logical block, unit, and step described in the embodiments of this invention may be implemented with general processor, digital signal processor, Application Specific Integrated Circuit (ASIC), Field Programma- ble Gate Arrays (FPGA) or other programmable logic device, discrete logic gate or transistor logic, discrete hardware unit or any combination of the above.
  • the general processor may be microprocessor.
  • the general processor may be any traditional processor, controller, micro controller or state machine.
  • Processor may be implemented by the combination of computing device, such as digital signal processor and microprocessor, multi-processor, one or more microprocessor combined with digital signal processor core or other similar configuration.
  • All methods or steps of algorithm described in the embodiments of this in- vention may be implemented may be embedded in the hardware of software module executed by the processor or the combination of them.
  • the software module may be saved in the RAM memory, ROM memory, EPROM memory, EEPROM memory, register, hard disk, removable disk, CD-ROM or any other storing media known to this technical area.
  • the storing media may be connected with the processor so that the processor can read the data from the storing media and/or write data into the storing media.
  • the storing media may be integrated into the processor.
  • the processor and the storing media may be set in the ASIC. ASIC may be set in the user's terminal.
  • the processor or the storing media may be set into different part of the user's terminal.
  • the said function may be implemented by hardware, software, firmware or any combination of them. If it is implemented in the software, this function may be stored in the computer readable media or be transferred to the computer readable media in one or several command or code format.
  • the computer readable media includes computer storing media or communication media feasible for the computer routine transferred from one place to another.
  • the storing media may be any general or special computer accessible media.
  • the computer readable media includes but not limits to RAM, ROM, EEPROM, CD-ROM or any other CD Storage device, disk storage device or other magnetic storage device, or any other media, which can be read by general computer or special computer via memory access command or data structure.
  • any other things may be defined as the computer readable media, for example, a software, which is transferred from a website, server or other remote resources via coaxial cable, optical fiber, twisted pair line, digital subscriber line (DSL) or wireless method such as infrared, radio frequency and micro wave etc.
  • the said disk or disc includes compact disk, laser disk, CD- ROM, DVD, floppy disk and blue-ray disc.
  • the disc copy data with magnetic material in general while the disk copy data via laser.
  • the above combination may be included in the computer readable media.
  • the above embodiments provide more description about the objective, solution and the good effect of this invention. It is understandable that they are just the instance of the invention and it is not used to limit the protective scope. All modification or replacement based on the spirit or the principle of this invention is under the protective scope.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention a pour but de proposer un mécanisme de numéro d'identification personnel (PIN) comprenant deux PIN, à savoir un PIN normal pour des transactions normales et un PIN d'urgence ou d'alarme pour des transactions qui sont traitées apparemment en tant que transaction normale, mais dans lesquelles au moins une mesure d'urgence, de préférence secrète, est déclenchée. De manière plus spécifique, l'invention concerne un procédé de traitement d'un PIN, le procédé comprenant les étapes consistant à : extraire le PIN entré par un utilisateur d'une unité de terminal pour autoriser une transaction; vérifier si le PIN entré par l'utilisateur est égal à un premier PIN normal ou à un second PIN d'urgence ou d'alarme; dans le cas où le PIN entré par l'utilisateur est égal au premier PIN normal, exécuter la transaction; dans le cas où le PIN entré par l'utilisateur est égal au second PIN d'urgence ou d'alarme, déclencher une mesure d'urgence appropriée. En outre, l'invention concerne une unité de terminal, une unité de transaction et une unité de serveur dorsal configurée pour fonctionner selon ce procédé.
PCT/EP2012/004601 2011-11-03 2012-11-05 Procédé, unité de transaction, unité de terminal et unité de serveur dorsal pour traiter un numéro d'identification personnel WO2013064269A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201110344191.X 2011-11-03
CN201110344191XA CN102393983A (zh) 2011-11-03 2011-11-03 支持报警pin的方法、银行业务终端、ic卡及服务器

Publications (1)

Publication Number Publication Date
WO2013064269A1 true WO2013064269A1 (fr) 2013-05-10

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WO (1) WO2013064269A1 (fr)

Families Citing this family (5)

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Publication number Priority date Publication date Assignee Title
CN102982267A (zh) * 2012-11-06 2013-03-20 周万荣 一种安全防护的方法和系统和终端
CN103927824B (zh) * 2013-05-01 2017-03-29 汪风珍 银行卡系统实施预警的方法
CN104036594A (zh) * 2013-12-10 2014-09-10 深圳怡化电脑股份有限公司 一种atm机异常取款的报警方法
CN104243476A (zh) * 2014-09-18 2014-12-24 小米科技有限责任公司 账号保护方法及装置
CN105243307A (zh) * 2015-09-18 2016-01-13 京东方科技集团股份有限公司 一种触摸屏的指纹识别方法及装置

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US5354974A (en) * 1992-11-24 1994-10-11 Base 10 Systems, Inc. Automatic teller system and method of operating same
WO2010008120A1 (fr) * 2008-07-16 2010-01-21 Kwang Hyeon Cho Système de double numéro d'identification personnel (nip) d'une carte de crédit ou d'une carte de débit

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CN1392475A (zh) * 2001-06-20 2003-01-22 徐孝民 复式密码保密示警系统
KR100423401B1 (ko) * 2003-06-24 2004-03-18 (주) 엘지텔레콤 이동통신 단말기를 이용한 모바일 이체/송금 시스템 및 방법
CN101286249A (zh) * 2007-04-09 2008-10-15 米明 利用双密码进行报警的防暴方法
CN101859454A (zh) * 2007-11-02 2010-10-13 张焕民 一种双密码的银行卡及读卡终端机

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Publication number Priority date Publication date Assignee Title
US5354974A (en) * 1992-11-24 1994-10-11 Base 10 Systems, Inc. Automatic teller system and method of operating same
WO2010008120A1 (fr) * 2008-07-16 2010-01-21 Kwang Hyeon Cho Système de double numéro d'identification personnel (nip) d'une carte de crédit ou d'une carte de débit

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