WO2015035749A1 - 读卡器处理卡方法、装置及其自助设备 - Google Patents

读卡器处理卡方法、装置及其自助设备 Download PDF

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Publication number
WO2015035749A1
WO2015035749A1 PCT/CN2014/072174 CN2014072174W WO2015035749A1 WO 2015035749 A1 WO2015035749 A1 WO 2015035749A1 CN 2014072174 W CN2014072174 W CN 2014072174W WO 2015035749 A1 WO2015035749 A1 WO 2015035749A1
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WO
WIPO (PCT)
Prior art keywords
card
user
card reader
self
service
Prior art date
Application number
PCT/CN2014/072174
Other languages
English (en)
French (fr)
Inventor
肖大海
欧阳小明
王庆华
董学文
雍容
黄婉琦
Original Assignee
广州广电运通信息科技有限公司
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 广州广电运通信息科技有限公司 filed Critical 广州广电运通信息科技有限公司
Priority to EP14843634.8A priority Critical patent/EP3048592B1/en
Priority to US15/021,861 priority patent/US20160234416A1/en
Priority to AU2014321073A priority patent/AU2014321073B2/en
Publication of WO2015035749A1 publication Critical patent/WO2015035749A1/zh
Priority to ZA2016/02428A priority patent/ZA201602428B/en

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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]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N23/00—Cameras or camera modules comprising electronic image sensors; Control thereof
    • H04N23/70—Circuitry for compensating brightness variation in the scene
    • H04N23/71—Circuitry for evaluating the brightness variation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06T—IMAGE DATA PROCESSING OR GENERATION, IN GENERAL
    • G06T7/00—Image analysis
    • G06T7/80—Analysis of captured images to determine intrinsic or extrinsic camera parameters, i.e. camera calibration
    • 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
    • G07F19/2055—Anti-skimming aspects at 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]
    • G07F19/207—Surveillance aspects at ATMs
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N23/00—Cameras or camera modules comprising electronic image sensors; Control thereof
    • H04N23/70—Circuitry for compensating brightness variation in the scene
    • H04N23/73—Circuitry for compensating brightness variation in the scene by influencing the exposure time

Definitions

  • Card reader processing card method, device and self-service device The application is submitted to the Chinese Patent Office on September 16, 2013, the application number is 201310422178.0, and the invention name is "card reader processing card method, device and self-service device" Priority of Chinese Patent Application, the entire contents of which is incorporated herein by reference.
  • the present invention relates to the field of financial self-service terminal technologies, and in particular, to a card reader processing card method and device, and a self-service device thereof. Background technique
  • a kind of financial self-service equipment that is common in everyday life is ATM (Automated Teller Machine, ATM).
  • Self-service equipment performs most self-services. It requires bank cards, such as card deposit, card withdrawal, inquiry, change, transfer, etc.
  • the user In the self-service process, the user must ensure that at least one of the bank card information and password information is not compromised. For example, when the user correctly enters the password in the self-service process, the user must not be operated in the process of returning the card to the card. Other people master.
  • the current self-service device does not solve this problem well.
  • the following problems still exist: When the user is in the self-service process, the card is inserted into the card reader, the password is entered, and the interface is operating during the transaction, and the criminal is reading the card.
  • the processor handles a fake card to impersonate the user's real card, and then the criminal spoofs the user to say that the service completion card has been quit.
  • the user sees that the card reader handles the card slot and does have a card, which is often mistaken for his own card.
  • I quit I took the fake card or took the initiative to leave the self-service device.
  • the user's card is still in the card reader. Since the user has entered the correct password, the criminal can continue to trade and take away the cash in the user card.
  • the self-service device has no technical suggestion and processing in this case, and the bank is in the process of user service operation.
  • the card is transferred to steal the cash in the user's bank card, which causes the self-service device to have security risks.
  • the object of the present invention is to provide a card reader processing card method, device and self-service device, so that the self-service device prevents the business operation right from falling into the hands of others during the business process of the user during the business process for the user. Users promptly identify bank card transfer scams, thereby improving the security and intelligence of self-service devices and ensuring user property security.
  • the present invention provides the following technical solutions:
  • a card reader processing card method applied to a self-service device, comprising:
  • the card reader status is detected in real time
  • the card reader Once it is detected that there is a card at the card reader processing card, the card reader generates an event with a card at the card entry, and sends the event to the self-service system in real time, so that the self-service system prompts the alarm information and pauses.
  • Current business entering the user authentication process;
  • the second detecting module of the card reader may be implemented by a magnetic discriminating module or a card-determining module provided by the card reader detecting device, or may be processed by the card reader.
  • the bayonet foreign body detecting device is realized.
  • the generation of the alarm instruction may be generated by the card reader device itself according to the results of the two detection modules; or may be generated by the self-service system based on the detection results of the two detection modules transmitted by the card reader.
  • the user may perform identity verification, and may require the user to input a password, or biometric information such as a fingerprint, or other known technical means that can be verified by the self-service system, such as mobile phone verification, U-Shield verification, and the like.
  • a card reader processing card device applied to a self-service device, comprising:
  • the first detecting module and the second detecting module are respectively configured to detect whether there is a card inside the card reader and the card feeding port, and send the detection result to the judgment analyzing module;
  • the judgment analysis module is configured to receive the monitoring result of the first detecting module and the second detecting module, when both the first detecting module and the second detecting module detect that there is a card, and the self-service system is in progress
  • the service analysis process sends the alarm information to the self-service system and the alarm prompt module respectively.
  • the alarm prompting module is configured to convey the alarm information to the user by means of a screen display or an audible prompt;
  • the self-service system is configured to receive alarm information, suspend execution of the current service, and invoke a user identity verification module to perform user identity verification;
  • the user identity verification module is configured to complete an identity verification process, and if the identity verification is successfully completed, send information to the self-service system, so that the self-service system continues the current service; if the identity verification module performs in a preset time If the user authentication fails, the self-service system terminates the current service, and finally performs card withdrawal or card swallowing.
  • the method, the device and the self-service device of the card reader processing card provided by the present invention continuously detect whether the card reader has a card in the card reader when detecting the card in the card reader, once the card is detected.
  • the user is prompted to alert that the card is being transferred, and the current ongoing service is suspended, the user is required to perform identity verification, and the self-service interface is switched to wait for the user to input the password interface, only when the user is within the prescribed time. If the password is entered correctly, the processing of the current business will continue.
  • FIG. 1 is a flow chart of a card reader processing card method according to an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of a card reader processing card device according to an embodiment of the present invention
  • FIG. 3 is a flow chart of switching between two working modes of a card reader foreign object detecting device according to an embodiment of the present invention
  • FIG. 4 is a flow chart of a method for controlling foreign object detection switching of a card reader according to an embodiment of the present invention. detailed description
  • FIG. 1 is a flow chart of a card reader processing card method according to an embodiment of the present disclosure, including:
  • Step S101 When the user uses the card to conduct a business transaction, the card reader status is detected in real time; when the user performs the self-service operation using the card, the card reader has a card, and the self-service device is in a normal service state.
  • the card reader has a card that cannot be quit or swallowed due to a fault, that is, the self-service device is not in the service state, it is not within the scope of this solution.
  • the self-service device is in the service state, and the card reader has a card.
  • the card reader processes the card port to detect the card or the foreign object, the card reader does not send the event that the card slot has a card or foreign object to the self-service.
  • the business system does not do anything with this event. Therefore, when the user is in the process of business operation, the criminal inserts a fake card in the card reader processing bay to induce the user to hand over the business operation right, and the self-service device does not alert the user under the prior art, and does not take security. Measures to ensure the security of user account funds.
  • the detection means that can be used is a card processing function provided by the card reader to enter the card or the magnetic card into the card, and the card reader can detect the card. The event of having a card at the card entry is immediately sent to the self-service system.
  • the detection means that can be used is the card reader foreign object detection function.
  • the improvement to the prior art is that the card reader only detects when the business process is detected.
  • the foreign object immediately sends the event detecting the foreign object to the self-service system, instead of the prior art, the foreign object operation process can be detected for a long time (for example, more than 5 minutes), and the prior art is only for a long time (for example, greater than 5). Minutes)
  • the foreign matter is detected to prevent temporary foreign matter such as a card, and the purpose of the foreign matter detecting device installed at the card reader is to find out whether there is a card stealing device for stealing card information at the card reader.
  • Step S102 Once the card reader detects that there is a card at the card slot, the card reader generates an event that the card has a card at the card slot, and sends the event to the self-service system in real time, so that the self-service system prompts the alarm. Information, and suspend the current business, enter the user authentication process;
  • the card reader In order to effectively prevent the criminals from inserting a card into the card reader to obtain the business operation right during the user's business operation, the card reader enters the card slot during the user service operation.
  • the card reader will send the event to the self-service system for processing in time, and the self-service system promptly reminds the user to prevent the card from being transferred.
  • the prompting alarm information including the user cares for the card adjustment package, may use the voice prompting alarm information mode or the manner of displaying the alarm information on the screen.
  • the self-service system suspends the current service and enters the user identity verification process. If the operation result of the current service does not cause the user account funds or the user password to change, such as querying the service, the service may be completed after the service or the current service. After the timeout expires, the user authentication process is entered; the result of the operation of the service will result in user account funds or user passwords, and as soon as they change, such as changing the confidential business or transferring the business, the current business is immediately suspended. Human user authentication process.
  • Step S103 After the user successfully authenticates within a specified time, the current service is continued. It should be noted that if the user identity verification is unsuccessful, the self-service system terminates the current service, and the card is swallowed or the card is returned to terminate the current service operation.
  • the user identity verification if the user does not input a password within a certain time limit, or enters the password three times, the service is terminated, and the card is returned or swallowed.
  • the termination of the current business for the withdrawal of the withdrawal business has been successful but has not successfully issued the banknotes, before the termination of the business, the withdrawal process should be initiated to process the account. If the deposit business has not been completed, the banknotes will be recycled and the banknotes will not be sent to the cash withdrawal.
  • FIG. 2 a schematic diagram of a card reader processing card device provided by the embodiment of the present application is as shown in FIG. 2, and includes:
  • the first detecting module 201, the second detecting module 202, the determining and analyzing module 203, the self-service system 204, the alarm prompting module 205, and the identity verification module 206 wherein The first detecting module 201 and the second detecting module 202 are respectively configured to detect whether there is a card in the card reader and the card inlet, and transmit the detection result to the judgment analyzing module 203, and when the judgment analyzing module 203 simultaneously finds the received first
  • the judgment analysis module 203 sends an alarm message to the self-service system 204 and the alarm prompt module 205, and the alarm prompt module 205 provides the user with the alarm information.
  • the alarm information is transmitted by means of a screen display or an audible prompt.
  • the self-service system 204 receives the alarm information, suspends the progress of the current service, and invokes the user identity verification module 206 to request the user to perform identity verification, and the user inputs the identity through the identity verification module 206. After the identity verification module 206 successfully completes the identity verification, the information is sent to the self-service system 204, and the self-service system 204 continues the current service. If the identity verification module 206 fails the user identity verification within the specified time, the self-service system 204 terminates the current service. Business, finally returning the card Or swallow card processing.
  • the second detecting module 202 can adopt a processing card function module provided by a card reader to enter a card or a magnetic card input card, and can also adopt a card reader foreign object detecting function module.
  • the identity verification module 206 can adopt a function module for the user to input the account password again for identity verification.
  • FIG. 3 and FIG. 4 are diagrams showing a card processing method for a card reader foreign object detecting device according to an embodiment of the present invention, including:
  • the conventional card reader foreign object detecting device is a product developed to prevent a criminal from illegally acquiring user card information by installing a card reader or the like on a card reader.
  • the foreign object detecting device of the card reader only detects the presence of foreign matter in a long period of time (such as half an hour, preferably more than one business time), and then alarms to determine that the card reader has foreign matter blocking. If a foreign object is detected for a short period of time, there will be no alarm, such as the user withdrawing the card, stuck in the card access port, until the card is swallowed, there is a 2-3 minute card timeout period, during which time the card is read.
  • the foreign object detecting device will definitely detect the presence of foreign matter in the card-receiving port, but in fact, it is a normal entry and exit card, and it is impossible to send an alarm message, and the card reader sends an abnormal signal to the self-service service system.
  • a method for processing a card by using a card reader foreign object detecting function is divided into the following steps:
  • the foreign object detecting device of the card reader detects foreign matter. If there is a card in the card reader, go to step 2); otherwise, do not do any processing, the process ends.
  • step 2) If the business is in the process of withdrawing money or transferring money, suspend the business processing, enter the input password interface, wait for the user to input the password, the user enters the password correctly at the specified time, the business continues, the process ends; otherwise, go to step 3) .
  • the security control system of the present scheme functions only when the foreign object detecting device does not detect the foreign matter state during the business process and switches to the detection of the foreign matter state.
  • This example divides the working status of the card reader foreign object detecting device into two types:
  • This state refers to the state of detection of foreign objects on the card reader device under the current technology.
  • the foreign matter detecting device works and this state, once the card reader is detected to have foreign matter, it will not immediately monitor The system and the self-service system send a signal to report the presence of foreign objects in the card reader. Only for a long period of time, such as the continuous detection of foreign objects accumulated for more than 20 minutes, or even longer, then the self-service terminal monitoring system can determine the card reading. A foreign object is added to the device. Once the foreign object disappears at a certain time, the accumulation of time is cleared and counted again.
  • the foreign objects such as the following normal conditions are effectively distinguished: when the user performs a business operation such as inserting a card, processing a card, retiring the card, and taking the card, the foreign card detecting system is caused by the bank card temporarily passing through the card reader in/out of the card slot. Foreign matter was detected.
  • Emergency working mode A new working state of the program, the card reader foreign object detecting device works in this state, as long as it detects that the card reader has foreign matter, immediately sends a signal to the self-service system to report the existence of the card reader. The foreign object, self-service system will immediately interrupt the existing normal business and enter the emergency processing mode.
  • the premise that the card reader foreign object detecting device is in the working state is that a bank card has been processed in the card reader.
  • the card reader foreign object detecting device starts to start the working state until The user successfully completes the service card withdrawal.
  • the two working mode switching procedures of the card reader foreign object detecting device in this example are as follows:
  • the card reader foreign object detecting device enters an emergency working state.
  • the foreign matter detecting device detects the presence of a foreign object, the current business process is immediately interrupted, and the self-service system switches to the password input interface. Only when the user password is entered correctly will the service currently being processed continue, otherwise the service will be aborted and the card will be swallowed.
  • the card reader foreign object detecting device enters the normal working state. Only when the foreign matter detecting device detects the presence of foreign matter for a long time (such as more than 20 minutes), the service system is suspended and the maintenance personnel are notified. Exclude foreign objects in the reader.
  • the flow chart of a card reader foreign object detection switching control method in this example is as follows:
  • the card reader foreign object detecting device When the self-service device is idle, during the period of no service operation, the card reader foreign object detecting device is in the normal working mode. In this mode, only when the card reader foreign object detecting device is continuously operated for a long time (for example, 20 minutes or more, according to the actual situation) The situation needs to be set.) If there is any foreign object occlusion, the business processing will be stopped, and the alarm will be notified to the maintenance personnel to remove the foreign objects.
  • the foreign object will be detected for a long time, and the alarm will be detected immediately, instead of detecting the foreign object, it is necessary to consider the user's normal card insertion, card removal and other business operations. At this time, the card reader will also detect the foreign object, but is normal.
  • the alarm is notified to the maintenance personnel, because the alarm in this case is because the card reader may be installed by the criminals to insert the card stealing device to steal the user card information.
  • the detection device alarms and requires maintenance personnel to intervene to remove foreign objects.
  • the user starts the business operation, inserts the card, reads the card processing card, and switches the card reader to the foreign object inspection.
  • the measuring device enters the emergency working mode from the normal working mode. In this mode, as soon as the foreign object detecting device of the card reader detects the foreign object blocking, it will immediately alarm, reminding the user that the user needs to input the password here to continue the current business.
  • the card reader foreign object detecting device does not notify the maintenance personnel of the alarm, but reminds the user who is performing the business operation. This is because the situation is not considered to be a stolen card in which the user card information is stolen.
  • the device causes the foreign object detecting device to alarm, but some people may interfere with the user's business operation and intentionally insert a foreign object such as a fake card on the card reader processing bay to trick the user.
  • the business system In the process of processing the user's business, the business system immediately responds to the interruption when it receives the foreign object signal, interrupts the current service, and switches to the password input interface, waiting for the user to input the password.
  • the card reader foreign object detecting device in the emergency working mode, requires the user to re-enter the password if the user wants to continue the current service, thereby preventing the user from being deceived and leaving the self-service device, and the subsequent person cannot continue to use the user's card. Conducting business operations ensures the security of the user's funds.
  • the disclosed systems, devices, and methods may be implemented in other ways.
  • the device embodiments described above are only schematic.
  • the division of the unit is only a logical function division.
  • there may be another division manner for example, multiple units or components may be combined or Can be integrated into another system, or some features can be ignored, or not executed.
  • the coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some interface, device or unit, and may be in electrical, mechanical or other form.
  • the units described as separate components may or may not be physically separate,
  • the components displayed as units may or may not be physical units, that is, may be located in one place, or may be distributed to multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of the embodiment.
  • each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.
  • the above integrated unit can be implemented in the form of hardware or in the form of a hardware plus software functional unit.
  • the above-described integrated unit implemented in the form of a software functional unit can be stored in a computer readable storage medium.
  • the above software functional units are stored in a storage medium and include a number of steps for causing a computer device (which may be a personal computer, server, or network device, etc.) to perform the methods of the various embodiments of the present invention.
  • the foregoing storage medium includes: a USB flash drive, a mobile hard disk, a read-only memory (Read-Only Memory), a random access memory (Random Access Memory), a magnetic disk, or an optical disk, and the like.
  • the medium of the program code includes: a USB flash drive, a mobile hard disk, a read-only memory (Read-Only Memory), a random access memory (Random Access Memory), a magnetic disk, or an optical disk, and the like.
  • the medium of the program code includes: a USB flash drive, a mobile hard disk, a read-only memory (Read-Only Memory), a random access memory (Ran

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Abstract

提供了一种读卡器处理卡方法、装置及自助设备，在检测到读卡器中有卡时，仍然不断的检测读卡器处理卡口是否存在卡，一旦检测到处理卡口有卡，则向用户提示告警当心卡被调包，同时暂停当前正在进行的业务，要求用户进行身份验证，自助服务界面切换到等待用户输入密码界面，只有当用户在规定的时间内正确输入了密码，才会继续当前业务的处理。其能有效避免以下情况：用户进行自助业务过程中，不法分子在读卡器上插入一张伪卡冒充用户的卡，从引诱用户交出业务操作权让用户蒙受经济损失，提高了自助业务的安全性。

Description

读卡器处理卡方法、 装置及其自助设备 本申请要求于 2013 年 09 月 16 日提交中国专利局、 申请号为 201310422178.0、 发明名称为"读卡器处理卡方法、 装置及其自助设备"的 中国专利申请的优先权， 其全部内容通过引用结合在本申请中。 技术领域
本发明涉及金融自助终端技术领域，尤其涉及一种读卡器处理卡方法、 装置以及其自助设备。 背景技术
曰 常生活中常见的一种金融 自助设备是 ATM ( Automated Tellermachine, ATM ), 自助设备进行大部分自助服务， 要使用银行卡， 如 有卡存款、 有卡取款、 查询、 改密、 转账等。 在自助服务过程中， 用户要 确保银行卡信息和密码信息至少有其一没有泄密， 如当用户在自助服务过 程中正确输入密码后， 到银行卡退卡的过程中， 要保证操作权不能被其他 人掌握。 目前的自助设备并没有 4艮好的解决这个问题， 仍存在以下问题： 当用户在自助服务过程中， 把卡插入读卡器内， 输入密码， 正在界面 操作进行交易过程中， 犯罪分子在读卡器处理卡口插上一张伪卡冒充用户 的真卡， 然后不法分子诱骗用户说其服务完成卡已退出， 用户看到读卡器 处理卡口确实有卡， 往往误以为是自己的卡被退出来了， 就拿着伪卡主动 或被迫离开自助设备。 实际上用户的卡仍然还在读卡器内， 由于用户已经 输入了正确的密码， 这时犯罪分子就可以继续进行交易， 取走了用户卡内 的现金。 这就是目前不法分子利用自助设备读卡器中有卡时， 还在读卡器 处理卡口插卡， 自助设备对此情况在技术上没有任何提示和处理的特点， 在用户业务操作过程中对银行卡进行调包， 盗取用户银行卡内的现金， 导 致自助设备存在安全隐患。
因此， 有必要对自助设备现有技术进行改进， 来有效防止用户银行卡 被调包， 防止在自助业务过程中操作权落入到不法分子手中， 给用户卡内 资金安全带来危险。 发明内容
本发明的目的是提供一种读卡器处理卡方法、 装置及自助设备， 以使 自助设备在为用户进行业务处理过程中， 防止在用户进行业务过程中， 业 务操作权落入他人手中， 让用户及时识破银行卡调包骗局， 从而提高自助 设备的安全性和智能性， 保障用户财产安全。
为实现上述目的， 本发明提供了如下技术方案：
一种读卡器处理卡方法， 应用于自助设备， 包括：
当用户使用卡进行业务交易过程中， 实时检测读卡器状态；
一旦检测到读卡器处理卡口处有卡，读卡器生成进卡口处有卡的事件， 并将该事件实时发送给自助业务系统， 以使所述自助业务系统提示告警信 息， 并暂停当前业务， 进入用户身份验证流程；
当用户在预设置的时间内身份验证成功后， 继续当前业务。
其中，所述的读卡器第二检测模块，其对处理卡口处的卡的检测功能， 可以由读卡器检测装置提供的判磁模块或判卡模块实现， 也可以由读卡器 处理卡口异物检测装置实现。
所述的告警指令的生成既可以是读卡器装置本身根据其两个检测模块 的结果产生； 也可以由自助业务系统根据读卡器传送来的两个检测模块的 检测结果产生。
其中， 所述用户进行身份验证， 可以是要求用户再次输入密码， 或者 指纹等生物信息， 或者自助业务系统提供的其他可以验证用户身份的公知 技术手段， 如手机验证， U盾验证等方式。
一种读卡器处理卡装置， 应用于自助设备， 包括：
第一检测模块和第二检测模块， 分别用于检测读卡器内部和进卡口是 否有卡， 并将检测结果发送给判断分析模块；
所述判断分析模块， 用于接收所述第一检测模块和第二检测模块的监 测结果， 当所述第一检测模块与所述第二检测模块均检测到有卡， 且自助 业务系统正在进行业务处理时， 所述判断分析模块向自助业务系统和告警 提示模块分别发送告警信息； 所述告警提示模块， 用于向用户通过屏幕显示或者声音提示的方式传 达告警信息；
所述自助业务系统， 用于接收告警信息， 中止当前业务的进行， 并调 用用户身份验证模块进行用户身份验证；
所述用户身份验证模块， 用于完成身份验证流程， 若成功完成身份验 证， 则发送信息给所述自助业务系统， 以使自助业务系统继续当前业务； 如果身份验证模块在预设置的时间里进行用户身份验证失败， 则自助业务 系统终止当前业务， 最后进行退卡或者吞卡处理。
通过以上方案可知， 本发明提供的一种读卡器处理卡方法、 装置及自 助设备， 在检测到读卡器中有卡时， 仍然不断的检测读卡器处理卡口是否 存在卡， 一旦检测到处理卡口有卡， 则向用户提示告警当心卡被调包， 同 时暂停当前正在进行的业务， 要求用户进行身份验证， 自助服务界面切换 到等待用户输入密码界面， 只有当用户在规定的时间内正确输入了密码， 才会继续当前业务的处理。 该方案能有效避免以下情况： 用户进行自助业 务过程中， 不法分子在读卡器上插入一张伪卡冒充用户的卡， 从引诱用户 交出业务操作权让用户蒙受经济损失。 本方案提高了自助业务的安全性。 附图说明
为了更清楚地说明本发明实施例或现有技术中的技术方案， 下面将对 实施例或现有技术描述中所需要使用的附图作筒单地介绍， 显而易见地， 下面描述中的附图仅仅是本发明的一些实施例， 对于本领域普通技术人员 来讲， 在不付出创造性劳动的前提下， 还可以根据这些附图获得其他的附 图。
图 1是本发明实施例中一种读卡器处理卡方法的流程图；
图 2是本发明实施例中一种读卡器处理卡装置的结构示意图； 图 3是本发明实施例中读卡器异物检测装置的两种工作模式切换流程 图；
图 4是本发明实施例中一种读卡器异物检测切换控制方法流程图。 具体实施方式
下面将结合本发明实施例中的附图， 对本发明实施例中的技术方案进 行清楚、 完整地描述， 显然， 所描述的实施例仅仅是本发明一部分实施例， 而不是全部的实施例。 基于本发明中的实施例， 本领域普通技术人员在没 有作出创造性劳动前提下所获得的所有其他实施例， 都属于本发明保护的 范围。
请参阅图 1 , 图 1为本申请实施例提供的一种读卡器处理卡方法的流 程图， 包括：
步骤 S101 : 当用户使用卡进行业务交易过程中，实时检测读卡器状态； 用户在使用卡进行自助业务操作时， 读卡器中有卡， 自助设备处于正 常服务状态。 当读卡器由于出现故障导致里面有卡不能退出或者吞卡的情 况， 也就是自助设备并不是在服务状态时， 不是本方案考虑范围之内。
按照现有技术， 自助设备正在服务状态， 读卡器中有卡， 当读卡器处 理卡口检测到卡或者异物时候， 读卡器不会将处理卡口有卡或异物的事件 发送给自助业务系统， 对该事件并不做任何处理。 因而， 当用户在业务操 作过程中， 不法分子在读卡器处理卡口插上一张假卡， 引诱用户交出业务 操作权， 自助设备在现有技术下不会告警用户， 并不会采取安全措施保障 用户帐户资金安全。
优选的， 检测到读卡器进卡口处是否有卡， 可采用的检测手段是利用 读卡器判卡进卡或判磁进卡的硬件提供的处理卡功能， 读卡器可以把检测 到进卡口处有卡的事件立即发送给自助业务系统。
另外， 检测到读卡器进卡口处是否有卡， 还可采用的检测手段是读卡 器异物检测功能， 对现有技术的改进之处是在业务过程之中读卡器只要一 检测到异物， 立即将检测到异物的事件发送给自助业务系统， 而不是现有 技术的在较长时间 （如大于 5分钟） 才能检测到异物操作处理， 现有技术 只有在较长时间 （如大于 5分钟 )检测到异物是为了防止插卡等临时性异 物干扰， 而安装在读卡器进卡口的异物检测装置的目的是发现读卡器进卡 口是否存在有盗取卡信息的盗卡装置。 步骤 S102: —旦检测到读卡器处理卡口处有卡， 读卡器生成进卡口处 有卡的事件， 并将该事件实时发送给自助业务系统， 以使所述自助业务系 统提示告警信息， 并暂停当前业务， 进入用户身份验证流程；
为有效防止不法分子在用户进行业务操作过程之中， 在读卡器进卡口 插一张卡以假乱真诱骗用户而获取业务操作权， 在用户业务操作过程中一 旦检测到读卡器进卡口有卡， 读卡器会将该事件及时发送给自助业务系统 处理， 自助业务系统及时提醒用户注意防止卡被调包。
所述的提示告警信息， 包括用户当心卡调包等， 可以采用语音提示告 警信息方式， 或者采用在屏幕上显示告警信息的方式。
所述的自助业务系统暂停当前业务， 进入用户身份验证流程， 如果当 前业务的操作结果并不会导致用户帐户资金或用户密码发生变化， 如查询 业务， 可以在完成本次业务之后或者本次业务超时之后， 才进入用户身份 验证流程； 对于本次业务的操作结果会导致用户帐户资金或用户密码， 二 者只要其一会发生变化， 如改密业务或转账业务， 则立即暂停当前业务， 进人用户身份验证流程。
步骤 S103: 当用户在规定的时间内身份验证成功后， 继续当前业务。 需要说明的是，若用户身份验证不成功， 自助业务系统终止当前业务， 吞卡或者退卡结束本次业务操作。
其中， 所述的用户身份验证， 如果在一定时限内， 用户没有输入密码， 或者输入密码三次出错， 则终止本次业务， 并作退卡或者吞卡处理。
其中， 所述的终止本次业务， 对于取款业务已经扣帐成功但是还没有 成功出钞的，在终止本次业务之前，应该发起取款沖正流程进行平账处理。 对于存款业务还没有点钞完毕的， 钞票做回收处理， 钞票不再传送到出钞 口。
与方法实例对应的， 本申请实施例提供的一种读卡器处理卡装置的结 构示意图如图 2所示， 包括：
第一检测模块 201 , 第二检测模块 202, 判断分析模块 203 , 自助业务 系统 204, 告警提示模块 205 , 身份验证模块 206, 其中 第一检测模块 201与第二检测模块 202分别用于检测读卡器里面和进 卡口是否有卡， 并把检测结果传送给判断分析模块 203 , 当判断分析模块 203同时发现接受到的第一检测模块 201与第二检测模块 202均检测到有 卡， 且自助业务系统正在进行业务处理时， 判断分析模块 203向自助业务 系统 204和告警提示模块 205发送一告警信息， 告警提示模块 205向用户 通过屏幕显示或者声音提示的方式传达告警信息， 自助业务系统 204以接 收到告警信息， 中止当前业务的进行， 并调用用户身份验证模块 206, 要 求用户进行身份验证， 用户通过身份验证模块 206输入身份信息， 身份验 证模块 206成功完成身份验证后， 发送信息给自助业务系统 204, 自助业 务系统 204继续当前业务， 如果身份验证模块 206在规定的时间里进行用 户身份验证失败， 自助业务系统 204终止当前业务， 最后进行退卡或者吞 卡处理。
所述的第二检测模块 202, 可采用读卡器判卡进卡或判磁进卡的硬件 提供的处理卡功能模块， 也可采用读卡器异物检测功能模块。
优选的， 所述的身份验证模块 206, 可采用用户再次输入帐户密码进 行身份验证的功能模块。
图 3和图 4是本发明实施例提供的一种读卡器异物检测装置处理卡方 法， 包括：
现有的读卡器异物检测装置， 是为了防止不法分子在读卡器上加装导 卡器等装置非法获取用户卡信息而研发的产品。 读卡器异物检测装置只有 在相当长的一段时间 （如半个小时， 最好要大于一笔业务的时间）里一直 检测到有异物存在， 才会报警， 判断出读卡器有异物遮挡， 如果在较短的 一段时间里一直检测到有异物存在， 不会报警， 如用户退卡， 卡在取卡口， 直到吞卡， 有 2-3分钟的取卡超时时间， 这段时间读卡器异物检测装置肯 定会检测到取卡口有异物存在， 但实际上是正常情况的进出卡， 是不能发 送报警信息， 向自助业务服务系统发送读卡器有异常的信号。
本实施例， 在用户进行业务过程中， 当用户卡还在读卡器中， 如果读 卡器的异物检测装置检测到有异物， 会进行警报提示， 读卡器中的卡随后 要进行取款和转账交易时， 强制用户重新输入密码。 这样， 警报提示会提 高用户警惕， 震慑犯罪； 随后的现金交易强制重新输入密码， 会保护用户 资金安全， 即使用户上当， 也不会造成损失。 即只要读卡器中有卡， 外界 往异型嘴插入另一张卡， 读卡器中的卡进行现金交易就需要重新输入密码 了， 即使卡掉包成功， 用户资金安全仍然得到了保障。
本实例的一种利用读卡器异物检测功能处理卡的方法， 分为以下几个 步骤：
1 )读卡器异物检测装置检测到异物， 如果读卡器中有卡， 转步骤 2 ); 否则不做任何处理， 流程结束
2 )如果正在进行业务为取款或转账业务， 暂停本次业务处理， 进入输 入密码界面， 等待用户输入密码， 用户在规定时间输入密码正确， 本次业 务继续进行， 流程结束； 否则转步骤 3 )。
3 )如果正在进行业务为非取款和非转账业务， 本次业务继续进行， 当 用户在后续业务操作过程中， 继续使用读卡器中的卡进行取款或转账业务 时， 要求用户重新输入密码， 用户在规定时间输入密码正确， 业务继续进 行， 流程结束。
较佳地， 在业务过程中异物检测装置由没有检测到异物状态， 切换到 检测有异物状态， 则本方案安全控制系统才起作用。
本实例将读卡器异物检测装置工作状态分为两种：
正常工作模式： 该状态是指目前技术下的对读卡器装置上的异物进行 检测工作状态， 异物检测装置工作与这种状态下， 一旦检测到读卡器有异 物， 并不会立即向监控系统和自助服务系统发送一信号， 报告读卡器存在 异物，只有在较长一段时间内，如持续检测到异物的时间积累超过 20分钟， 甚至更长， 这时自助终端监控系统可以断定读卡器上加装了一个异物， 一 旦某个时候异物消失， 那么这个时间积累就要清零， 重新计数。 从而把诸 如以下正常情况检测到异物加以有效区分：用户进行业务操作时诸如插卡、 处理卡、 退卡和取卡导致的由于银行卡暂时经过读卡器进 /出卡口， 导致异 物检测系统检测到异物。 紧急工作模式： 本方案新增加的一种工作状态， 读卡器异物检测装置 工作与该种状态下， 只要检测到读卡器有异物， 立即向自助服务系统发送 一信号， 报告读卡器存在异物， 自助业务系统会立即中断现有正常业务的 进行， 进入紧急处理模式。
读卡器异物检测装置处于该种工作状态的前提条件是读卡器中已经有 一张银行卡正在进行业务处理， 当用户正确输入密码后， 读卡器异物检测 装置开始启动该种工作状态， 直到用户操作完业务退卡成功为止。
本实例中读卡器异物检测装置的两种工作模式切换流程如下：
1 )判断读卡器中是否有卡？
2 )如有， 则读卡器异物检测装置进入紧急工作状态， 当异物检测装置 一旦检测到有异物存在， 立即中断现在正在进行的业务处理， 自助业务系 统切换到密码输入界面。 只有当用户密码输入正确才会继续进行当前正在 处理的业务， 否则会中止业务进行， 并吞卡。
3 )如没有， 则读卡器异物检测装置进入正常工作状态， 只有当异物检 测装置在较长时间（如 20分钟以上 )一直检测到有异物存在， 才会暂停业 务系统工作， 并通知维护人员排除读卡器异物。
本实例的一种读卡器异物检测切换控制方法流程如下：
1 ) 自助设备在空闲时， 没有业务操作期间， 读卡器异物检测装置处于 正常工作模式，在此模式下，只有当读卡器异物检测装置连续较长时间（如 20分钟以上， 可根据实际情况需要进行设置）一直检测到有异物遮挡， 才 会停止业务处理， 并报警通知维护人员介入排除异物。
连续较长时间一直检测到异物才会报警， 而不是一检测到异物就马上 报警， 这是考虑用户正常的插卡， 取卡等业务操作需要， 这些时候读卡器 也会检测到异物， 但是是正常的。
读卡器异物检测装置在工作模式下， 其报警是通知维护人员， 因为此 种情况下的报警， 是因为读卡器上可能被不法分子安装了盗取用户卡信息 的盗卡装置而导致异物检测装置报警， 需要维护人员介入排除异物。
2 )用户开始进行业务操作， 插卡， 读卡器处理卡， 切换读卡器异物检 测装置由正常工作模式进入紧急工作模式， 该模式下， 只要读卡器异物检 测装置一检测到异物遮挡， 就会立即报警， 提醒用户注意， 继续当前业务 就需要用户在此输入密码。
读卡器异物检测装置在紧急工作模式下， 其报警并不通知维护人员， 而是提醒正在进行业务操作的用户， 这是因为此种情况并不认为是安装了 盗取用户卡信息的盗卡装置而导致异物检测装置报警， 而是可能有人干扰 用户业务操作故意在读卡器处理卡口上插上诸如假卡等异物来诱骗用户。
3 )业务系统在处理用户业务过程中， 一旦接收到有异物信号， 马上响 应中断， 中断目前业务的继续进行， 切换到密码输入界面， 等待用户输入 密码。
读卡器异物检测装置在紧急工作模式下，如果要继续进行当前的业务， 要求用户必须重新输入密码，这样可以防止用户被人诱骗离开了自助设备， 后续的人也无法继续用该用户的卡进行业务操作， 保证了该用户的资金安 全。
4 )如果密码输入错误三次以上或者密码输入超时， 中止现有业务的进 行， 吞卡； 如果用户正确输入密码则继续当前业务的进行。
5 )用户完成业务操作， 读卡器退卡成功， 切换读卡器异物检测装置由 紧急工作模式进入正常工作模式， 流程结束。
本领域普通技术人员可以理解： 附图只是一个实施例的示意图， 附图 中的单元或流程并不一定是实施本发明所必须的。
在本申请所提供的几个实施例中， 应该理解到， 所揭露的系统， 设备 和方法， 可以通过其它的方式实现。 例如， 以上所描述的设备实施例仅仅 是示意性的， 例如， 所述单元的划分， 仅仅为一种逻辑功能划分， 实际实 现时可以有另外的划分方式， 例如多个单元或组件可以结合或者可以集成 到另一个系统， 或一些特征可以忽略， 或不执行。 另一点， 所显示或讨论 的相互之间的耦合或直接耦合或通信连接可以是通过一些接口， 设备或单 元的间接耦合或通信连接， 可以是电性， 机械或其它的形式。
所述作为分离部件说明的单元可以是或者也可以不是物理上分开的， 作为单元显示的部件可以是或者也可以不是物理单元， 即可以位于一个地 方， 或者也可以分布到多个网络单元上。 可以根据实际的需要选择其中的 部分或者全部单元来实现本实施例方案的目的。
另外， 在本发明各个实施例中的各功能单元可以集成在一个处理单元 中， 也可以是各个单元单独物理存在， 也可以两个或两个以上单元集成在 一个单元中。 上述集成的单元既可以采用硬件的形式实现， 也可以采用硬 件加软件功能单元的形式实现。
上述以软件功能单元的形式实现的集成的单元， 可以存储在一个计算 机可读取存储介质中。 上述软件功能单元存储在一个存储介质中， 包括若 干指令用以使得一台计算机设备 (可以是个人计算机， 服务器， 或者网络设 备等)执行本发明各个实施例所述方法的部分步骤。 而前述的存储介质包 括： U盘、 移动硬盘、 只读存储器 (Read-Only Memory, 筒称 ROM)、 随机 存取存储器 (Random Access Memory, 筒称 RAM)、 磁碟或者光盘等各种可 以存储程序代码的介质。
最后应说明的是： 以上实施例仅用以说明本发明的技术方案， 而非对 其限制； 尽管参照前述实施例对本发明进行了详细的说明， 本领域的普通 技术人员应当理解： 其依然可以对前述各实施例所记载的技术方案进行修 改， 或者对其中部分技术特征进行等同替换； 而这些修改或者替换， 并不 使相应技术方案的本质脱离本发明各实施例技术方案的精神和范围。

Claims

权 利 要 求
1、 一种读卡器处理卡方法， 其特征在于， 包括：
当用户使用卡进行业务交易过程中， 实时检测读卡器状态；
一旦检测到读卡器处理卡口处有卡，读卡器生成进卡口处有卡的事件， 并将该事件实时发送给自助业务系统， 以使所述自助业务系统提示告警信 息， 并暂停当前业务， 进入用户身份验证流程；
当用户在预设置的时间内身份验证成功后， 继续当前业务。
2、根据权利要求 1所述的方法， 其特征在于， 所述实时检测读卡器状 态， 包括：
利用读卡器判卡进卡或判磁进卡的硬件提供的处理卡功能， 对读卡器 进卡口处是否有卡进行检测。
3、根据权利要求 1所述的方法， 其特征在于， 所述实时检测读卡器状 态， 包括：
利用读卡器异物检测功能， 对读卡器进卡口处是否有卡进行检测。
4、根据权利要求 3所述的方法， 其特征在于， 所述利用读卡器异物检 测功能， 对读卡器进卡口处是否有卡进行检测， 包括：
在没有业务操作期间， 读卡器异物检测装置处于正常工作模式， 当读 卡器异物检测装置在预设置的时间内一直检测到有异物遮挡， 停止业务处 理， 并发出报警通知；
在开始进行业务操作时， 切换所述读卡器异物检测装置由正常工作模 式进入紧急工作模式， 只要读卡器异物检测装置一检测到异物遮挡， 就会 立即报警。
5、 根据权利要求 1一 4任一项所述的方法， 其特征在于， 所述方法还 包括：
如果当前业务的操作结果并不会导致用户帐户资金或用户密码发生变 化， 则在完成本次业务之后或者本次业务超时之后， 才进入用户身份验证 流程；
对于本次业务的操作结果会导致用户帐户资金或用户密码发生变化， 则立即暂停当前业务， 进入用户身份验证流程。
6、 根据权利要求 1所述的方法， 其特征在于， 所述方法还包括： 若当用户在预设置的时间内身份验证失败， 终止当前业务， 进行退卡 或吞卡处理。
7、 一种读卡器处理卡装置， 其特征在于， 所述装置包括：
第一检测模块和第二检测模块， 分别用于检测读卡器内部和进卡口是 否有卡， 并将检测结果发送给判断分析模块；
所述判断分析模块， 用于接收所述第一检测模块和第二检测模块的监 测结果， 当所述第一检测模块与所述第二检测模块均检测到有卡， 且自助 业务系统正在进行业务处理时， 所述判断分析模块向自助业务系统和告警 提示模块分别发送告警信息；
所述告警提示模块， 用于向用户通过屏幕显示或者声音提示的方式传 达告警信息；
所述自助业务系统， 用于接收告警信息， 中止当前业务的进行， 并调 用用户身份验证模块进行用户身份验证；
所述用户身份验证模块， 用于完成身份验证流程， 若成功完成身份验 证， 则发送信息给所述自助业务系统， 以使自助业务系统继续当前业务； 如果身份验证模块在预设置的时间里进行用户身份验证失败， 则自助业务 系统终止当前业务， 最后进行退卡或者吞卡处理。
8、 根据权利要求 7所述的装置， 其特征在于， 所述第二检测模块， 采 用读卡器判卡进卡或判磁进卡的硬件提供的处理卡功能模块， 或采用读卡 器异物检测功能模块。
9、根据权利要求 7或 8所述的装置， 其特征在于， 所述的身份验证模 块， 采用用户再次输入帐户密码进行身份验证的功能模块。
PCT/CN2014/072174 2013-09-16 2014-02-18 读卡器处理卡方法、装置及其自助设备 WO2015035749A1 (zh)

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