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Method for checking bank terminal equipment legitimacy by user mobile phones SMS

A bank terminal and equipment technology, applied in the direction of user identity/authority verification, code identification card or credit card activation, coinless or similar appliances, etc., can solve the problem of not being able to prevent counterfeit card copying, etc., to avoid traps , the effect of reducing risk

Inactive Publication Date: 2008-08-06
SUNYARD SYST ENG CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] Moreover, this advanced chip card design technology cannot prevent future counterfeit card duplication. For example, mobile phone SIM cards, which are also made on the principle of IC chips and cost more than credit cards, can already be duplicated.

Method used

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  • Method for checking bank terminal equipment legitimacy by user mobile phones SMS
  • Method for checking bank terminal equipment legitimacy by user mobile phones SMS

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0022] The present invention will be described in further detail below in conjunction with the accompanying drawings and embodiments.

[0023] This system consists of the following parts:

[0024] User: the cardholder of the bank card;

[0025] ATMs;

[0026] ATM front-end;

[0027] Bank host system;

[0028] Mobile Telecom Service Provider

[0029] Bank card operation process.

[0030] The system is shown in Figure 1.

[0031] 1. Bank card application and mobile phone number binding

[0032] When the bank card owner u applies for a bank card with card number n at Bank A, he submits the mobile phone number bound to the card number, signs an agreement and a letter of responsibility agreeing to receive a random verification code through the mobile phone, and receives detailed instructions for use. It is agreed that when using various bank terminals to swipe the card for consumption in the future, after swiping the card, the terminal will display a random verification code...

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Abstract

The present invention relates to a method of verifying the legitimacy of bank terminal device by means of mobile phone short message of users. When a user uses a card on a card scanning terminal device, a host system of an online bank randomly generates a one-time effective password and sends the password to the terminal device to be displayed, and the password is sent to a mobile phone of the user through a special mobile phone short message of the bank at the same time; after the user receives the short message through the mobile phone and confirms that the short message is sent from the card issuing bank, the legitimacy of a card scanner is judged according to the consistency of the content information of the short message and the content displayed on the terminal device. A cardholder appoints the verification mode with the card issuing bank in advance and leaves a bound mobile phone number when handling a bankcard. The cardholder has an obligation to compare a plaintext password displayed on the card scanner with the received mobile phone short message and so as to judge and verify the legitimacy of the card scanner before inputting a password during bankcard consumption. The method has the advantage that: users can decide whether to carry out subsequent password input operation or not in time, so as to prevent illegal card scanning terminals from stealing the account numbers and passwords of bankcards.

Description

technical field [0001] The invention relates to the field of various bank card transactions in financial informatization, including other fields using magnetic cards as authorization certificates, and mainly relates to a method for verifying the legitimacy of bank terminal equipment by means of short messages of users' mobile phones. Background technique [0002] At present, when cardholders use POS machines, ATM machines, KIOSK machines, or other bank card terminal devices based on card readers, cardholders lack the means to verify the legitimacy of these devices themselves. [0003] Although legal bank card terminals have built-in chips for identifying devices, each card issuing bank will verify the legitimacy of the terminal during online operations, but this verification is opaque to card users, that is, users do not know whether the terminal they use is valid or not. Passed the bank's legitimacy verification. Therefore, counterfeit terminal devices that are not online ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F7/12G07F7/00H04L9/32
Inventor 季白杨张树人
Owner SUNYARD SYST ENG CO LTD
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