JPS6315364A - Preventing system for use of counterfeit cd card - Google Patents

Abstract

PURPOSE:To prevent use of counterfeit CD card by keeping serial number of use in a customer record of a customer file in magnetic stripes of a CD card and a central computer, and renewing the number every time the CD card is used. CONSTITUTION:The same number is held in magnetic stripes of a CD card and in the file of a central computer. The numbers are compared, and when they coincide, both numbers are rewritten. That is, a serial number of use renewal module 5 subtracts amount of cash withdrawal inputted by an operator of a cash dispenser 1 from balance of deposit of customer record read out from a secret code number check module 3, and at the same time, adds '1' to the serial number of use in relevant customer record and in the magnetic stripes, and rewrites a customer file 2 and gives command to the cash dispenser 1 to discharge cash and to rewrite the magnetic stripes. In the case where copied and counterfeit CD card is used, the serial number of use becomes discordant as the serial number of use of another CD card is not renewed, and accordingly, cash is not discharged.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a cash withdrawal system using a CD card in a financial institution or the like, and particularly relates to a system for preventing the use of counterfeit CD cards.

[Conventional technology]

Conventionally, in a cash withdrawal system using a CD card, a 4-digit pin number entered by the operator and a C
This was done by comparing the 4-digit PIN number stored in the magnetic stripe of the D card or in the file of the central computer.

[Problem that the invention seeks to solve]

The conventional method of verifying whether the terminal operator is the person signing the contract with the financial institution using only a four-digit PIN number can only prevent cases where a third party obtains and uses the CD card. Ta. In such a case, the person who was supposed to have the CD card would be aware that the CD card would be missing from the hands of the person who was supposed to have it, and the financial institution, etc. would be forced to compromise, so it was possible to prevent the CD card from being used by a third party in advance.

However, with the advancement of technology and the arrival of the cashier-less era using cards! l) There are many cards on the market that have the same shape and magnetic stripe attached in the same position as CD cards. For example, there are countless types of credit cards. Copying the magnetic stripe content of a CD card onto such a card is now easily possible if you have knowledge in the field and have a machine capable of copying magnetic content. be.

The PIN number can be any combination of four digits, but it is generally set as a phone number.

It is possible to know many things such as date of birth, car sign number, etc. in some way.

Furthermore, if a genuine CD card is returned to its original position after the magnetic stripe has been copied, the person who originally possessed the card will not be aware of it, and financial institutions will not be able to prevent unauthorized use in advance. In this way, CDs with the same magnetic drive contents
By having multiple cards, a third party can fraudulently use the card at any time.

[Means for solving problems]

The method for preventing the use of counterfeit CD cards according to the present invention is as follows.

This is a solution to the above-mentioned problem, and its feature is to determine whether the CD card inserted by the terminal operator is the same as the CD card information registered in the file of the center computer. .

In addition to comparing PIN numbers, in addition to that, keep the same number in the magnetic stripe of the CD card and in the file of the central computer, compare the numbers, and if they match, rewrite both numbers. This feature prevents the use of counterfeit or manufactured CD cards with duplicated magnetic stripes.

〔Example〕

Next, an embodiment of the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram showing one embodiment of the present invention.

In the figure, an automatic teller machine 1 is a terminal device from which a customer attempts to withdraw cash from a financial institution or the like by inputting a CD card, a personal identification number, and a cash withdrawal amount. The customer file 2 is a collection of customer records that store CD card information such as the customer's deposit balance, personal identification number, and serial number used. The PIN number check module 3 reads the corresponding customer record from the customer file 2 based on the customer number in the magnetic stripe of the CD card inserted by the operator of the automatic teller machine 1.
This is a program that compares the password entered by the operator with the password stored in the customer record. The usage serial number check module 4 checks the usage serial number in the magnetic stripe of the CD card inserted by the operator of the automatic teller machine 1 and the usage serial number stored in the customer record read out by the PIN number checking module 3. This is a program that compares serial numbers. The usage serial number update module 5 subtracts the cash withdrawal amount input by the operator of the automatic teller machine 1 from the deposit balance of the customer record read by the PIN code check module 3, and at the same time subtracts the cash withdrawal amount input by the operator of the automatic teller machine 1. This module adds @1'' to the used serial number and rewrites the customer file 2, and also instructs the automatic teller machine 1 to discharge cash and rewrite the magnetic stripe section.Customer file 2. PIN code check module 3. Used serial number check module 4
．． The used serial number update module 5 is stored in the center computer 6.

Next, the operation will be explained.

Now, when a customer wants to withdraw cash from a financial institution using a CD card, the customer inserts the CD card into automatic teller machine 1 and enters his/her personal identification number and cash withdrawal amount. . The automatic teller machine 1 stores the magnetic stripe contents of a CD card.

The personal identification number and cash withdrawal amount are added to the cash withdrawal request message and sent to the center computer 6. When the center computer 6 receives the cash withdrawal request message from the automatic teller machine 1, it calls the personal identification number check module 3 and passes the cash withdrawal request message.

The PIN code check module 3 reads the corresponding customer record from the customer file 2 based on the customer number in the CD card magnetic stripe part in the cash withdrawal request message, and reads the 4-digit customer input PIN number in the cash withdrawal request message and the corresponding customer. Compare it with the 4-digit password stored in your record. Comparison results.

If they match, the used serial number check module 4 is called and the cash withdrawal request message sent from the automatic teller machine 1 and the corresponding customer record are passed.

If they do not match, an instruction to prohibit the transaction is sent to the automatic teller machine 1.

The used serial number checking module 4 compares the used serial number of the CD card magnetic stripe section in the cash withdrawal request message with the used serial number stored in the corresponding customer record. If the comparison results match, the used serial number update module 5 is called and the cash withdrawal request message sent from the automatic teller machine 1 and the corresponding customer record are passed. If they do not match, an instruction to prohibit the transaction and to collect the CD card is sent to the automatic teller machine 1.

The usage serial number update module 5 subtracts the cash withdrawal amount sent from the automatic teller machine 1 from the deposit balance stored in the applicable customer record, and also subtracts the usage serial number in the applicable customer record and the magnetic stripe of the CD card. Adds 1'' to the serial number, rewrites the corresponding record in the customer file 2, and further sends a message to the automatic teller machine 1 instructing it to dispense cash and rewrite the magnetic stripe of the CD card. .

The automatic teller machine 1 performs operations such as dispensing cash according to instructions from the central computer 6.

〔Effect of the invention〕

As explained above, the present invention maintains the serial number used in the magnetic stripe of the CD card and in the customer record of the customer file in the central computer.

9. By updating both usage serial numbers each time the CD card is used. If a CD card with a forged magnetic stripe is used.1 If one CD card is used, the usage serial number of the other CD card will not be updated, so even if the other CD card is used, the usage serial number will not be updated. The numbers do not match and the cash is not released, and the CD
The card will be collected, and even if a counterfeit CD card is created, it can be prevented from being used in the future.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing the configuration of an embodiment of the present invention. 1...Cash machine, 2...Customer file, 3.
...Password check module, 4. Used serial number check module, 5. Used serial number update module, 6. Center computer.

Claims (1)

[Claims] 1. A CD that has a terminal device with the function of discharging cash and a central computer, and has a magnetic stripe affixed to the terminal device.
By inserting a card, entering a PIN number to confirm the identity, and the amount of cash to be withdrawn, the information is transmitted to the central computer, and the central computer stores it in a file based on the contents transmitted from the terminal device. A CD inserted by the operator is compared with the contents of the applicable record, and if they match, a notification to that effect is transmitted to the terminal device, and cash is released from the terminal device to the operator. In order to determine whether or not the card is the same as the CD card information registered in the file of the central computer, we not only compare the PIN numbers but also the CD card information registered in the file of the central computer.
A counterfeit CD card in which the contents of the magnetic stripe are copied by keeping the same number in the magnetic stripe of the card and in the file of the central computer, comparing the numbers, and rewriting both numbers if they match. A counterfeit CD card use prevention method characterized by preventing the use of a counterfeit CD card.