Card entry prohibition auditing method and system for financial terminal card reader

Abstract

The embodiment of the invention discloses a financial terminal card reader card entry forbidding auditing method and system. The method comprises the steps that a logic judgment mechanism is designed; acquiring state monitoring information in the operation process of the financial terminal; auditing the state monitoring information according to a logic judgment mechanism to obtain an auditing result; determining a processing strategy according to the audit result; and controlling the card reader to carry out corresponding operation according to the processing strategy, and prompting a user to carry out corresponding operation. According to the financial terminal card reader card entry prohibition auditing method provided by the invention, automatic auditing of whether the card reader needs card entry prohibition or not is realized, the safety, the stability and the user experience of a financial terminal can be improved, the equipment failure rate can be reduced, and the resource management can be optimized.

Description

Technical Field

[0001] The present invention relates to the technical field of financial services, and in particular to a method and system for prohibiting card entry and reviewing a card reader of a financial terminal. Background Art

[0002] The widespread use of financial terminals, such as ATMs, has greatly facilitated people's lives. In the process of using financial terminals, there may be a situation where the card reader of the financial terminal suddenly prohibits card entry. When the prohibition of card entry is necessary, such as when it is suspected that the transaction is not conducted by the user himself, it will help the user to stop the loss in time. However, if the card entry is prohibited when the user uses the financial terminal for normal transactions, it will affect the user experience to a certain extent, and even cause the user to lose money in serious cases. Therefore, it is particularly important to review the prohibition of card entry by the card reader of the financial terminal.

[0003] At present, the main method is to manually review whether the card reader needs to prohibit card entry, but this method has the following problems: Lack of review mechanism: The existing technology usually does not conduct a detailed review when the card reader prohibits card entry, resulting in misjudgment that cannot be corrected in time; Over-reliance on manual intervention: Manual on-site inspection and reset of the card reader is required, increasing maintenance costs and response time; Inability to self-heal: Due to the lack of remote diagnosis and repair methods, the card reader cannot automatically resume normal operation after encountering temporary interference; Poor user experience: When users encounter a situation where card entry is prohibited, they may need to wait for a long time to be resolved, affecting the quality of service. Summary of the invention

[0004] Based on this, it is necessary to propose a method and system for prohibiting card entry review at a financial terminal card reader in order to address the above-mentioned problems.

[0005] First aspect

[0006] A method for prohibiting card entry and reviewing a card reader of a financial terminal, the method comprising:

[0007] S1: Design logic judgment mechanism;

[0008] S2: Acquire status monitoring information during the operation of the financial terminal; wherein the status monitoring information includes at least one of hardware failure monitoring information, network connection interruption monitoring information, user operation abnormality monitoring information, environmental interference monitoring information, security inspection monitoring information, system maintenance monitoring information, software failure monitoring information and data transmission error monitoring information; different status monitoring information corresponds to different logical judgment mechanisms;

[0009] S3: reviewing the status monitoring information according to the logic judgment mechanism to obtain a review result; wherein the review result includes one of: the card reader should allow the card to enter and the card reader should prohibit the card to enter;

[0010] S4: Determine a processing strategy according to the audit result; wherein the processing strategy includes how the card reader operates and how the user operates;

[0011] S5: Control the card reader to perform corresponding operations according to the processing strategy, and prompt the user to perform corresponding operations; wherein, if the audit result is that the card reader should allow the card to enter, control the card reader to continue to receive the financial card, and repeat steps S2 to S5; if the audit result is that the card reader should prohibit the card from entering, control the card reader to refuse to receive the financial card, and recover from the faults existing in the audit process.

[0012] Preferably, the hardware fault monitoring information includes card reader status information and sensor feedback information;

[0013] The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes:

[0014] If the card reader fails to read the card three times in a row and the sensor feeds back an abnormal signal, it is determined that the card reader should prohibit card entry.

[0015] Preferably, the network connection interruption monitoring information includes network status information and data transmission information;

[0016] The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes:

[0017] If the network connection is interrupted for more than 30 seconds and the data packet retransmission fails, the card reader should prohibit card entry.

[0018] Preferably, the user operation abnormality monitoring information includes password input information and card retention information;

[0019] The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes:

[0020] If the user enters the wrong password three times in a row, or the card remains in the card reader for more than the set time, the card reader should be prohibited from entering the card.

[0021] Preferably, the environmental interference monitoring information includes electromagnetic interference information and temperature change information;

[0022] The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes:

[0023] If a strong electromagnetic interference signal is detected around the card reader, or the internal temperature exceeds a set threshold, it is determined that the card reader should prohibit card entry.

[0024] Preferably, the security check monitoring information includes security module status information and abnormal activity information;

[0025] The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes:

[0026] If the security module detects abnormal activity, or an illegal device is installed near the card reader, it determines that the card reader should prohibit card entry.

[0027] Preferably, the system maintenance monitoring information includes maintenance status information and maintenance record information;

[0028] The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes:

[0029] If the current time is within the scheduled maintenance time period, it is determined that the card reader should prohibit card entry.

[0030] Preferably, the software fault monitoring information includes software status information and error log information;

[0031] The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes:

[0032] If the software crashes or error messages are frequently recorded in the error log, make sure the card reader is not allowing cards to be inserted.

[0033] Preferably, the data transmission error monitoring information includes data integrity information and data verification information;

[0034] The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes:

[0035] If the data packet integrity check fails, or the data check result shows that the data is wrong, it is determined that the card reader should prohibit card entry.

[0036] Second aspect

[0037] A card reader prohibiting card entry review system for a financial terminal, the system comprising:

[0038] Logical judgment mechanism design module: used to design logical judgment mechanism;

[0039] Status monitoring information acquisition module: used to acquire status monitoring information during the operation of the financial terminal; wherein the status monitoring information includes at least one of hardware failure monitoring information, network connection interruption monitoring information, user operation abnormality monitoring information, environmental interference monitoring information, security inspection monitoring information, system maintenance monitoring information, software failure monitoring information and data transmission error monitoring information; different status monitoring information corresponds to different logical judgment mechanisms;

[0040] An audit result acquisition module is used to audit the status monitoring information according to the logic judgment mechanism to obtain an audit result; wherein the audit result includes one of the following: the card reader should allow the card to enter and the card reader should prohibit the card to enter;

[0041] A processing strategy determination module: used to determine a processing strategy according to the audit result; wherein the processing strategy includes how the card reader operates and how the user operates;

[0042] Operation module: used to control the card reader to perform corresponding operations according to the processing strategy, and prompt the user to perform corresponding operations; wherein, if the audit result is that the card reader should allow the card to enter, the card reader is controlled to continue to receive the financial card, and the steps of the status monitoring information acquisition module, the audit result acquisition module, the processing strategy determination module and the operation module are repeated; if the audit result is that the card reader should prohibit the card from entering, the card reader is controlled to refuse to receive the financial card, and the faults existing in the audit process are restored.

[0043] The embodiments of the present invention have the following beneficial effects:

[0044] The present invention provides a method for reviewing whether a card reader of a financial terminal prohibits card entry, which realizes automatic review of whether a card reader needs to prohibit card entry, which can not only improve the security, stability and user experience of the financial terminal, but also reduce the equipment failure rate and optimize resource management. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0046] in:

[0047] Figure 1 A flowchart of a method for prohibiting card entry and reviewing a card reader at a financial terminal in one embodiment;

[0048] Figure 2The structure block diagram of a card reader prohibiting card entry review system for a financial terminal in one embodiment. DETAILED DESCRIPTION

[0049] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0050] With the development of remote repair technology and automated audit process, it is particularly important to audit and check the phenomenon that the card reader of a financial terminal prohibits the card from entering when it should not be prohibited. This can not only reduce the service interruption caused by misjudgment, but also improve the overall stability of the system and user experience. In order to solve the problems existing in the prior art, the present invention proposes a method for auditing the prohibition of card entry by a card reader of a financial terminal.

[0051] Figure 1 FIG. 1 is a flow chart of a method for prohibiting card entry and reviewing a card reader in a financial terminal according to an embodiment. Figure 1 As shown, the method specifically includes steps S1 to S5:

[0052] S1: Design a logical judgment mechanism.

[0053] In this embodiment, a logic judgment mechanism is used to determine whether the card reader needs to prohibit card entry.

[0054] Different status monitoring information corresponds to different logical judgment mechanisms. For example, the logical judgment mechanism of hardware fault monitoring information is based on the card reader status information and sensor feedback information; the logical judgment mechanism of network connection interruption monitoring information is based on the network status information and data transmission information.

[0055] S2: Obtain status monitoring information during the operation of the financial terminal.

[0056] In this embodiment, the status monitoring information provides basic information for subsequent processing, ensuring that the system can make correct decisions based on the current status.

[0057] In some examples, the status monitoring information includes at least one of hardware failure monitoring information, network connection interruption monitoring information, user operation abnormality monitoring information, environmental interference monitoring information, security check monitoring information, system maintenance monitoring information, software failure monitoring information, and data transmission error monitoring information.

[0058] In other examples, the status monitoring information includes at least one of card reader status monitoring information, system status monitoring information, user operation monitoring information, and card status verification information.

[0059] Among them, the card reader status monitoring information: monitors the status of the card reader, including whether there is a card, the status of the card (such as whether it is an illegal card), whether the card is fully inserted, etc.

[0060] System status monitoring information: monitors the overall operating status of the ATM, including whether initialization is in progress, whether there are any faults, network connection status, etc.

[0061] User operation monitoring information: monitors user operations, including whether the user has completed the transaction operation, whether the operation has timed out, etc.

[0062] Card status verification information: Verify the status of the card, including whether it is a lost card, a blacklisted card, whether the account status is normal, etc.

[0063] In some examples, before obtaining the status monitoring information during the operation of the financial terminal, the financial terminal is started and initialized to ensure that the financial terminal starts to operate in a normal state. The initialization includes: loading configuration information, system self-test, etc.

[0064] S3: Audit the status monitoring information according to the logic judgment mechanism to obtain the audit result.

[0065] In this embodiment, the logic judgment is to determine whether it is necessary to prohibit the card reader from feeding the card according to different monitoring information. These judgments not only help to ensure the security of the system, but also improve the stability of the system and user experience. When designing the logic judgment mechanism of the ATM card reader, it is necessary to determine whether it is necessary to prohibit the card reader from feeding the card according to the monitored information.

[0066] In some examples, the audit result includes one of: the card reader should allow the card to enter; and the card reader should prohibit the card to enter.

[0067] In fact, in the actual business process, the ATM card reader does need to prohibit card entry in some cases to ensure the safety and normal operation of the device. The following are some typical situations where card entry needs to be prohibited:

[0068] During equipment maintenance:

[0069] Regular maintenance: ATM machines require regular internal cleaning and component inspections, during which the card reader must be closed to prevent accidental card insertion.

[0070] Software upgrade: When performing software or firmware upgrades, the card reader also needs to temporarily disable card entry to avoid interruptions or errors during the update process.

[0071] Fault detection and repair:

[0072] Hardware failure: When a hardware failure occurs in the card reader, such as damage to the card reader head or sensor failure, it is necessary to prohibit card entry for maintenance.

[0073] Software failure: If there is a problem with the card reader software, such as the card reader program crashing or data loss, it is necessary to disable card input for troubleshooting and repair.

[0074] Security Check:

[0075] Security check: In order to prevent fraud, the card reader needs to be regularly checked for security, and card entry needs to be prohibited at this time.

[0076] Anti-cheating measures: When a possible cheating device is detected (such as an illegal additional device on the card reader), the card needs to be prohibited from entering and processed.

[0077] System abnormality:

[0078] Network connection interruption: When the network connection between the ATM and the backend server is interrupted, card entry needs to be prohibited in order to prevent unauthorized transactions.

[0079] Data transmission error: When an error occurs during data transmission, card entry needs to be prohibited in order to ensure data consistency and integrity.

[0080] Environmental factors:

[0081] Environmental interference: When there is electromagnetic interference or other physical interference around the card reader, card entry needs to be prohibited to prevent card reading errors.

[0082] Climate conditions: In extreme weather conditions (such as heavy rain, lightning, etc.), it may be necessary to temporarily prohibit card access in order to protect the equipment.

[0083] Abnormal user operation:

[0084] Entering incorrect passwords multiple times: When a user enters incorrect passwords multiple times in a row, the system may temporarily prohibit card entry to prevent illegal access.

[0085] Card retention: If a card is detected to be retained inside the card reader and has not been removed, card entry needs to be prohibited to avoid further problems.

[0086] System updates or configuration changes:

[0087] System Update: When performing a system update or configuration change, card access needs to be disabled to ensure the smooth progress of the update process.

[0088] Parameter Adjustment: When adjusting system parameters or making configuration changes, it may be necessary to disable card entry to prevent problems during operation.

[0089] Security Incident Response:

[0090] Security incidents: When the system detects a potential security incident (such as a hacker attack, virus intrusion, etc.), card entry needs to be prohibited to prevent further harm.

[0091] Emergency: In an emergency (such as fire, earthquake, etc.), card access needs to be prohibited in order to protect the safety of equipment and users.

[0092] Testing and debugging:

[0093] Testing phase: When performing functional testing or debugging on the ATM, card entry needs to be prohibited to ensure the accuracy of the test.

[0094] Fault diagnosis: When performing fault diagnosis, it may be necessary to prohibit card entry in order to avoid interference.

[0095] Regulatory and Compliance Requirements:

[0096] Regulatory compliance: Depending on local laws and regulations, it may be necessary to prohibit card access during certain periods of time (such as during nighttime maintenance).

[0097] Compliance Checks: To meet the compliance requirements of the financial industry, regular checks may be required, during which card access may need to be prohibited.

[0098] By prohibiting card access in these situations, the security and reliability of the ATM system can be ensured, and problems caused by equipment failure or abnormal conditions can be reduced. At the same time, through reasonable management and technical means, the inconvenience caused to users by prohibiting card access can be minimized.

[0099] When an ATM blocks a card when it shouldn't, it usually means that the system refuses to accept a card without a reasonable reason or when it is not needed. Here are a few situations where you shouldn't block a card:

[0100] Normal transaction request:

[0101] Normal withdrawals, deposits or inquiries: When users make normal withdrawals, deposits or account balance inquiries, the ATM should not prohibit card entry if there are no other abnormal circumstances.

[0102] The device status is normal:

[0103] The equipment is intact: If the ATM equipment itself does not have any faults or damages and is in normal working condition, card entry should not be prohibited.

[0104] Card slot cleaning: If the card reader area is clean and free of foreign matter, and there is no obstruction such as dust or paper scraps, the ATM should not prohibit card entry.

[0105] System is in good condition:

[0106] Software is functioning properly: If the ATM's operating system and applications are functioning properly, with no software errors or crashes, card access should not be prohibited.

[0107] Stable network connection: If the network connection between the ATM and the backend server is normal without interruption or delay, card entry should not be prohibited.

[0108] Correct user operation:

[0109] Correct card insertion: If the user follows the correct operating steps to insert the bank card and the card is not damaged or bent, the card entry should not be prohibited.

[0110] Entering the correct PIN: If the user enters the correct Personal Identification Number (PIN), the card access should not be prohibited.

[0111] No obvious security threat:

[0112] No abnormal behavior detection: If the ATM’s monitoring system does not detect any suspicious behavior or abnormal patterns, the card entry should not be prohibited.

[0113] No external interference: If the surrounding environment is normal and not affected by electromagnetic interference or other external factors, card entry should not be prohibited.

[0114] No technical glitches:

[0115] Hardware components are normal: If the hardware components of the ATM (such as card reader, motor, etc.) are functioning properly, card entry should not be prohibited.

[0116] Stable power supply: If the ATM's power supply is stable, with no voltage fluctuations or power outages, card entry should not be prohibited.

[0117] No false positives:

[0118] False alarm detection: If the system has a false alarm, that is, it mistakenly believes that there is a certain fault or abnormal situation, but there is actually no problem, the card entry should not be prohibited.

[0119] User authentication via:

[0120] Authentication success: If the user's identity has been verified (such as fingerprint recognition, facial recognition, etc.), card entry should not be prohibited.

[0121] System maintenance completed:

[0122] Restart after maintenance: If the ATM is restarted after maintenance and all maintenance work has been completed, card entry should not be prohibited.

[0123] No system upgrade pause:

[0124] Non-upgrade period: If the ATM is not undergoing system upgrade or maintenance, card entry should not be prohibited.

[0125] By ensuring that the ATM does not prohibit card entry in the above situations, the user experience and service continuity can be guaranteed to the greatest extent. If the ATM prohibits card entry in these situations, it means that the system may have design defects or software logic errors, which need to be debugged and optimized.

[0126] If the ATM prohibits card entry when it should not, it may cause the following troubles: damaged user experience, transaction delays, customer loss, increased customer service burden, increased maintenance costs, reputation loss, legal and compliance risks, loss of transaction opportunities, waste of resources, system stability issues, etc. Therefore, it is very important to ensure that the ATM prohibits card entry at the right time, which requires a reliable system to monitor and judge when the card should be prohibited. By properly implementing the automated review process, the occurrence of such problems can be greatly reduced, thereby improving the user experience and the overall stability of the system.

[0127] Hardware fault monitoring information includes card reader status information and sensor feedback information.

[0128] If the card reader fails to read the card three times in a row and the sensor feeds back an abnormal signal, it is determined that the card reader should prohibit card entry.

[0129] Network connection interruption monitoring information includes network status information and data transmission information;

[0130] If the network connection is interrupted for more than 30 seconds and the data packet retransmission fails, the card reader should be prohibited from entering the card.

[0131] User operation abnormality monitoring information includes password input information and card retention information;

[0132] If the user enters the wrong password three times in a row, or the card remains in the card reader for more than the set time, the card reader should be prohibited from entering the card.

[0133] Environmental interference monitoring information includes electromagnetic interference information and temperature change information;

[0134] If a strong electromagnetic interference signal is detected around the card reader, or the internal temperature exceeds a set threshold, it is determined that the card reader should prohibit card entry.

[0135] Security check monitoring information includes security module status information and abnormal activity information;

[0136] If the security module detects abnormal activity, or an illegal device is installed near the card reader, it determines that the card reader should prohibit card entry.

[0137] System maintenance monitoring information includes maintenance status information and maintenance record information;

[0138] If the current time is within the scheduled maintenance time period, it is determined that the card reader should prohibit card entry.

[0139] Software fault monitoring information includes software status information and error log information;

[0140] If the software crashes or error messages are frequently recorded in the error log, make sure the card reader is not allowing cards to be inserted.

[0141] Data transmission error monitoring information includes data integrity information and data verification information;

[0142] If the data packet integrity check fails, or the data check result shows that the data is wrong, it is determined that the card reader should prohibit card entry.

[0143] S4: Determine the handling strategy based on the audit results.

[0144] In this embodiment, after obtaining the audit results, the optimal processing strategy is determined to maximize the user experience.

[0145] In some examples, the processing policy includes how the card reader operates and how the user operates.

[0146] Exemplarily, hardware fault monitoring information:

[0147] Card reader status: The card reader cannot read the card information normally.

[0148] Sensor feedback: The sensor inside the card reader detects an abnormal signal (such as incorrect card reader head position).

[0149] Logical reasoning:

[0150] Judgment basis: If the card reader fails to read the card three times in a row and the sensor feedback abnormal signal.

[0151] Processing strategy: The system will prohibit the card reader from inputting cards and display a fault message to prompt the user to contact customer service.

[0152] Exemplarily, network connection interruption monitoring information:

[0153] Network status: The connection status between ATM and the backend server.

[0154] Data transmission: The sending and receiving of data packets.

[0155] Logical reasoning:

[0156] Judgment basis: If the network connection is interrupted for more than 30 seconds and the data packet retransmission fails.

[0157] Processing strategy: The system will prohibit the card reader from inputting the card and prompt the user to try again later.

[0158] For example, user operation abnormal monitoring information:

[0159] Password input: The number of times the user enters the password continuously.

[0160] Card retention: The card remains in the card reader for more than a certain period of time (such as 10 seconds).

[0161] Logical reasoning:

[0162] Judgment basis: If the user enters the wrong password three times in a row, or the card remains in the card reader for more than the set time.

[0163] Processing strategy: The system will prohibit the card reader from inputting the card and prompt the user to contact the bank customer service.

[0164] Exemplarily, the environmental interference monitoring information:

[0165] Electromagnetic interference: There is a strong electromagnetic interference signal around the card reader.

[0166] Temperature change: The temperature inside the card reader is abnormal.

[0167] Logical reasoning:

[0168] Judgment basis: If a strong electromagnetic interference signal is detected around the card reader, or the internal temperature exceeds the set threshold.

[0169] Processing strategy: The system will prohibit the card reader from feeding the card and display a warning message.

[0170] Exemplarily, the security check monitoring information:

[0171] Security module status: The status of the security module (such as anti-cheating device).

[0172] Abnormal activity: Is there any abnormal activity near the card reader (such as installing illegal equipment).

[0173] Logical reasoning:

[0174] Judgment basis: If the security module detects abnormal activity, or illegal equipment is installed near the card reader.

[0175] Processing strategy: The system will prohibit the card reader from inputting the card and immediately notify the bank security personnel for inspection.

[0176] Exemplarily, the system maintains monitoring information:

[0177] Maintenance status: whether it is in the planned maintenance period.

[0178] Maintenance record: time and content of the most recent maintenance.

[0179] Logical reasoning:

[0180] Judgment basis: If the current time is within the scheduled maintenance period.

[0181] Processing strategy: The system will prohibit the card reader from inputting cards and prompt the user that maintenance is underway.

[0182] Exemplarily, software fault monitoring information:

[0183] Software status: The running status of the card reader related software.

[0184] Error log: Error log generated during software operation.

[0185] Logical reasoning:

[0186] Judgment basis: If the software crashes or error messages are frequently recorded in the error log.

[0187] Processing strategy: The system will prohibit the card reader from inserting the card and try to automatically restart the software or prompt the user to try again later.

[0188] Exemplarily, data transmission error monitoring information:

[0189] Data integrity: The integrity and consistency of data packets.

[0190] Data verification: verification results during data transmission.

[0191] Logical reasoning:

[0192] Judgment basis: If the data packet integrity check fails, or the data verification result shows data errors.

[0193] Processing strategy: The system will prohibit the card reader from inserting the card and prompt the user that the data transmission is wrong.

[0194] S5: Control the card reader to perform corresponding operations according to the processing strategy, and prompt the user to perform corresponding operations.

[0195] In this embodiment, according to the result of logical judgment, if it is necessary to prohibit card entry, an instruction to prohibit card entry is sent to the card reader control module; if it is not necessary to prohibit card entry, the card reader is allowed to continue to receive cards to ensure that the card reader correctly performs the corresponding operation according to the instructions of the system.

[0196] In some examples, if the audit result is that the card reader should allow the card to enter, the card reader is controlled to continue receiving the financial card and steps S2 to S5 are repeated.

[0197] By continuously monitoring the card reader status, system status, user operations and other information, and repeating the above process as needed, it is ensured that the system can continuously monitor and respond promptly to changes.

[0198] If the audit result is that the card reader should not allow the card to enter, the card reader is controlled to refuse to accept the financial card and the fault existing in the audit process is restored.

[0199] Failures may occur during the operation of the monitoring system, so a fault recovery mechanism needs to be provided to ensure that the system can resume normal operation as soon as possible when a failure occurs.

[0200] In some examples, after controlling the card reader to perform corresponding operations according to the processing strategy and prompting the user to perform corresponding operations, it also includes: recording operation information, such as the reason for prohibiting card entry; and providing feedback information to the user through the user interaction module.

[0201] The financial terminal card reader prohibited card entry audit method of this embodiment improves the stability and security of the ATM system and improves the user experience by constructing an automated audit process that can adopt different processing strategies for card reader operations according to different scenarios and different operating environments.

[0202] Figure 2 FIG. 1 is a structural block diagram of a card reader prohibiting card entry review system for a financial terminal in one embodiment. Figure 2 As shown, the system includes:

[0203] Logical judgment mechanism design module 2100: used to design a logical judgment mechanism.

[0204] Status monitoring information acquisition module 2200: used to obtain status monitoring information during the operation of the financial terminal; wherein the status monitoring information includes at least one of hardware failure monitoring information, network connection interruption monitoring information, user operation abnormality monitoring information, environmental interference monitoring information, security inspection monitoring information, system maintenance monitoring information, software failure monitoring information and data transmission error monitoring information: different status monitoring information corresponds to different logical judgment mechanisms.

[0205] Audit result acquisition module 2300: is used to audit the status monitoring information according to the logic judgment mechanism to obtain the audit result; wherein the audit result includes one of the following: the card reader should allow the card to enter and the card reader should prohibit the card to enter.

[0206] Processing strategy determination module 2400: used to determine the processing strategy according to the audit result; wherein the processing strategy includes how the card reader operates and how the user operates.

[0207] Operation module 2500: used to control the card reader to perform corresponding operations according to the processing strategy, and prompt the user to perform corresponding operations; wherein, if the audit result is that the card reader should allow the card to enter, the card reader is controlled to continue to receive the financial card, and the steps of the status monitoring information acquisition module, the audit result acquisition module, the processing strategy determination module and the operation module are repeated; if the audit result is that the card reader should prohibit the card from entering, the card reader is controlled to refuse to receive the financial card, and the faults existing in the audit process are restored.

[0208] In some examples, hardware fault monitoring information includes card reader status information and sensor feedback information; the audit result acquisition module 2300 is specifically used to: if the card reader fails to read the card three times in a row and the sensor feeds back an abnormal signal, determine that the card reader should prohibit card entry.

[0209] In some examples, the network connection interruption monitoring information includes network status information and data transmission information; the audit result acquisition module 2300 is specifically used to: if the network connection is interrupted for more than 30 seconds and the data packet retransmission fails, determine that the card reader should prohibit card entry.

[0210] In some examples, user operation abnormality monitoring information includes password input information and card retention information; the audit result acquisition module 2300 is specifically used to: if the user enters an incorrect password three times in a row, or the card is retained in the card reader for more than a set time, determine that the card reader should prohibit card entry.

[0211] In some examples, environmental interference monitoring information includes electromagnetic interference information and temperature change information; the audit result acquisition module 2300 is specifically used to: if a strong electromagnetic interference signal is detected around the card reader, or the internal temperature exceeds a set threshold, determine that the card reader should prohibit card entry.

[0212] In some examples, the security check monitoring information includes security module status information and abnormal activity information; the audit result acquisition module 2300 is specifically used to: if the security module detects abnormal activity, or there is an illegal device installed near the card reader, determine that the card reader should prohibit card entry.

[0213] In some examples, the system maintenance monitoring information includes maintenance status information and maintenance record information; the audit result acquisition module 2300 is specifically used to: if the current time is within a predetermined maintenance time period, determine that the card reader should prohibit card entry.

[0214] In some examples, software fault monitoring information includes software status information and error log information; the audit result acquisition module 2300 is specifically used to: if the software crashes or error information is frequently recorded in the error log, determine that the card reader should prohibit card entry.

[0215] In some examples, data transmission error monitoring information includes data integrity information and data verification information; the audit result acquisition module 2300 is specifically used to: if the data packet integrity check fails, or the data verification result shows a data error, determine that the card reader should prohibit card entry.

[0216] This embodiment provides an automated system to implement the review of card reader prohibition of card entry, which can bring many benefits:

[0217] Improved security: The automated system can automatically determine whether to allow the card reader to input a card based on the system status and environmental conditions, thereby effectively preventing the use of illegal cards and improving the security of the ATM system. For example, when the system detects an illegal card or a system failure, the automated system can immediately prohibit the card from being input, reducing security risks.

[0218] Improve user experience: Through automated review, the system can respond quickly when users try to enter the card, reducing user waiting time and improving transaction efficiency. When the system detects that the card is not allowed to enter, the automated system can remind the user in time to avoid long waiting times and improve user experience.

[0219] Reduce equipment failure rate: The automation system can prevent card insertion in inappropriate environments, such as when the card reader fails or the power supply is unstable, to avoid equipment failure caused by card insertion. Through preventive measures, equipment damage caused by improper operation can be reduced and the service life of the equipment can be extended.

[0220] Improve system stability: Automated auditing can ensure that the card reader will not accept cards when the system is unstable or fails, avoiding system abnormalities or crashes caused by card entry. For example, during system maintenance or upgrades, the automated system can prohibit card entry to ensure stable system operation.

[0221] Optimize resource management: Through automated review, unnecessary resource consumption can be avoided. For example, when the system is under maintenance or the network connection is unstable, there is no need to enter the card, which can save electricity and other resources. For example, when the network connection is unstable, the automated system can prohibit the entry of the card to avoid transaction failures or resource waste caused by network problems.

[0222] These automated audit measures can not only improve the security, stability and user experience of the ATM system, but also reduce equipment failure rates and optimize resource management, thereby improving the efficiency and reliability of the entire system.

[0223] It should be noted that the above description of the embodiment of the card reader prohibiting card entry audit system for financial terminals is similar to the above method description and has the same beneficial effects as the method embodiment. For technical details not disclosed in the embodiment of the card reader prohibiting card entry audit system for financial terminals of the present invention, those skilled in the art should refer to the description of the method embodiment of the present invention for understanding.

[0224] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the program can be stored in a non-volatile computer-readable storage medium. When the program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

[0225] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0226] The above-mentioned embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A method for prohibiting card entry and auditing a card reader of a financial terminal, characterized in that: The method comprises: S1: Design logic judgment mechanism; S2: Acquire status monitoring information during the operation of the financial terminal; wherein the status monitoring information includes at least one of hardware failure monitoring information, network connection interruption monitoring information, user operation abnormality monitoring information, environmental interference monitoring information, security inspection monitoring information, system maintenance monitoring information, software failure monitoring information and data transmission error monitoring information; different status monitoring information corresponds to different logical judgment mechanisms; S3: reviewing the status monitoring information according to the logic judgment mechanism to obtain a review result; wherein the review result includes one of: the card reader should allow the card to enter and the card reader should prohibit the card to enter; S4: Determine a processing strategy according to the audit result; wherein the processing strategy includes how the card reader operates and how the user operates; S5: Control the card reader to perform corresponding operations according to the processing strategy, and prompt the user to perform corresponding operations; wherein, if the audit result is that the card reader should allow the card to enter, control the card reader to continue to receive the financial card, and repeat steps S2 to S5; if the audit result is that the card reader should prohibit the card from entering, control the card reader to refuse to receive the financial card, and recover from the faults existing in the audit process.

2. The method for prohibiting card entry and reviewing a card reader of a financial terminal according to claim 1, characterized in that: The hardware fault monitoring information includes card reader status information and sensor feedback information; The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes: If the card reader fails to read the card three times in a row and the sensor feeds back an abnormal signal, it is determined that the card reader should prohibit card entry.

3. The method for prohibiting card entry and reviewing a card reader of a financial terminal according to claim 1, characterized in that: The network connection interruption monitoring information includes network status information and data transmission information; The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes: If the network connection is interrupted for more than 30 seconds and the data packet retransmission fails, the card reader should be prohibited from entering the card.

4. The method for prohibiting card entry and reviewing a card reader of a financial terminal according to claim 1, characterized in that: The user operation abnormality monitoring information includes password input information and card retention information; The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes: If the user enters the wrong password three times in a row, or the card remains in the card reader for more than the set time, the card reader should be prohibited from entering the card.

5. The method for prohibiting card entry and reviewing a card reader of a financial terminal according to claim 1, characterized in that: The environmental interference monitoring information includes electromagnetic interference information and temperature change information; The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes: If a strong electromagnetic interference signal is detected around the card reader, or the internal temperature exceeds a set threshold, it is determined that the card reader should prohibit card entry.

6. The method for prohibiting card entry and reviewing a card reader of a financial terminal according to claim 1, characterized in that: The security inspection monitoring information includes security module status information and abnormal activity information; The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes: If the security module detects abnormal activity, or an illegal device is installed near the card reader, it determines that the card reader should prohibit card entry.

7. The method for prohibiting card entry and reviewing a card reader of a financial terminal according to claim 1, characterized in that: The system maintenance monitoring information includes maintenance status information and maintenance record information; The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes: If the current time is within the scheduled maintenance time period, it is determined that the card reader should prohibit card entry.

8. The method for prohibiting card entry and reviewing a card reader of a financial terminal according to claim 1, characterized in that: The software fault monitoring information includes software status information and error log information; The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes: If the software crashes or error messages are frequently recorded in the error log, make sure the card reader is not allowing cards to be inserted.

9. The method for prohibiting card entry and reviewing a card reader of a financial terminal according to claim 1, characterized in that: The data transmission error monitoring information includes data integrity information and data verification information; The auditing of the status monitoring information according to the logic judgment mechanism to obtain the audit result specifically includes: If the data packet integrity check fails, or the data check result shows that the data is wrong, it is determined that the card reader should prohibit card entry.

10. A card reader prohibition card entry review system for a financial terminal, characterized in that: The system comprises: Logical judgment mechanism design module: used to design logical judgment mechanism; Status monitoring information acquisition module: used to acquire status monitoring information during the operation of the financial terminal; wherein the status monitoring information includes at least one of hardware failure monitoring information, network connection interruption monitoring information, user operation abnormality monitoring information, environmental interference monitoring information, security inspection monitoring information, system maintenance monitoring information, software failure monitoring information and data transmission error monitoring information; different status monitoring information corresponds to different logical judgment mechanisms; An audit result acquisition module is used to audit the status monitoring information according to the logic judgment mechanism to obtain an audit result; wherein the audit result includes one of the following: the card reader should allow the card to enter and the card reader should prohibit the card to enter; A processing strategy determination module: used to determine a processing strategy according to the audit result; wherein the processing strategy includes how the card reader operates and how the user operates; Operation module: used to control the card reader to perform corresponding operations according to the processing strategy, and prompt the user to perform corresponding operations; wherein, if the audit result is that the card reader should allow the card to enter, the card reader is controlled to continue to receive the financial card, and the steps of the status monitoring information acquisition module, the audit result acquisition module, the processing strategy determination module and the operation module are repeated; if the audit result is that the card reader should prohibit the card from entering, the card reader is controlled to refuse to receive the financial card, and the faults existing in the audit process are restored.

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