Safe ATM system and operation method thereof

An operating method and a safe technology, applied in the direction of a complete banking system, a complete banking system, a public key for secure communication, etc., can solve the problems of stealing passwords, stealing credit cards, insecurity and inconvenience, to avoid Potential safety hazards and high safety effects

Inactive Publication Date: 2009-10-21
SUN YAT SEN UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] 1. Install a camera near the ATM machine to capture the process of the customer entering the password, thereby stealing the password
[0005] 2. Install a card reader at the card entrance or block the entrance and exit with foreign objects, thereby stealing credit card information or even stealing the credit card
[0008] It can be seen that the traditional method of operating an ATM is very unsafe and inconvenient

Method used

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  • Safe ATM system and operation method thereof
  • Safe ATM system and operation method thereof
  • Safe ATM system and operation method thereof

Examples

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Embodiment Construction

[0062] The present invention will be further described below in conjunction with the accompanying drawings.

[0063] The structure of the present invention is as figure 1 As shown, it includes two parts: ATM terminal and mobile terminal.

[0064] ATM terminals include:

[0065] 1. NFC inductive card reader, used to read the customer account information of the NFC chip of the mobile phone.

[0066] 2. The communication system can communicate with the digital signature, authentication, encryption, and decryption systems on the smartphone through various communication methods such as infrared rays, bluetooth, and wireless networks.

[0067] The mobile terminal includes:

[0068] 1. Communication system between mobile phone and ATM machine;

[0069] 2. Digital signature, authentication, encryption, and decryption systems on smartphones;

[0070] 3. NFC chip;

[0071] 4. NFC chip management system.

[0072] The communication framework of the present invention is as attached ...

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Abstract

The invention provides a safe ATM system and an operation method thereof. The system comprises an ATM terminal, a bank service center and mobile communication equipment; wherein, the ATM terminal is connected with the bank service center, the mobile communication equipment can be provided with a storage module used for storing user account information, the ATM terminal can be used for reading the user account information of the storage module by means of near field communication and transmitting the user account information into the bank service center to be verified. The invention adopts the method based on mobile key and mobile phone NFC technologies for ATM verification; the mobile key is encrypting and decrypting equipment based on a smart mobile phone, the password and digital certificate of the user are stored in the mobile phone, and the user identity is identified and the information is encrypted by the cryptographic algorithm set in the mobile phone. An NEC chip can be used for storing the information of client account number, a keyboard of the mobile phone is used for inputting the password, a mobile key authenticator system is used for signing, and the signature is transmitted into a banking system, so that ATM ID authentication can be realized by the mobile phone.

Description

technical field [0001] The invention belongs to the technical field of electronic payment security, in particular to a safe ATM system and its operating method. technical background [0002] Existing ATM machines all operate business transactions by inserting cards. With the continuous advancement of technology, the ATM machines of banks have become the targets of many people's prying eyes. [0003] The main disadvantages of ATM machines today include: [0004] 1. Install a camera near the ATM to capture the process of the customer entering the password, thereby stealing the password. [0005] 2. Install a card reader at the card entrance or block the entrance and exit with foreign objects, thereby stealing credit card information or even stealing the credit card. [0006] 3. Install a fake keyboard on the ATM, and the password entered by the customer will be transmitted to the receiver of the accessory through the network. [0007] 4. If the customer needs to withdraw mo...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00H04L12/56H04L29/06H04L9/32H04L9/30
Inventor 孙伟郑智鹏
Owner SUN YAT SEN UNIV
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