Bank card protection device applied to bank machine

Abstract

The utility model relates to a bank card protection device applied to a bank machine, which comprises a bank card slot, a card reader, a connecting terminal and an electric connection cable which are arranged in the bank machine, the connecting terminal is contacted with a chip contact of a bank card in the bank card slot and is connected to the card reader through the electric connection cable, and the card reader is connected with the card reader through the electric connection cable. The protection device further comprises a first controlled switch, a door lock state detection mechanism and a controller, the input end of the controller is connected to the door lock state detection mechanism, the output end of the controller is connected to the first controlled switch, the door lock state detection mechanism is arranged in a door lock of the self-service bank, and the first controlled switch is arranged in the electric connection cable. The controller controls the first controlled switch to be switched off when the door lock state detection mechanism detects that the door lock is opened. Compared with the prior art, the device can simulate that the card is pulled out under the condition that the card is not pulled out, and has the advantages that the waiting time for automatically withdrawing the card does not need to be shortened, the safety of the bank card is improved, and the like.

Description

Technical Field

[0001] This utility model relates to the field of self-service banking equipment, and in particular to a bank card protection device applied to banking equipment. Background Technology

[0002] Self-service banking has been widely adopted due to its advantages of small footprint, requiring only human staff, and providing 24-hour service.

[0003] During self-service banking operations, after inserting a bank card, a PIN is required to complete the transaction. However, sometimes the bank card is forgotten when leaving the room. To address this, current technology typically employs the following methods to ensure bank card security:

[0004] 1. An expiration exit mechanism has been designed, which means that if there is no operation for a period of time, the card will be automatically ejected or swallowed. If the card is ejected, the password will need to be re-entered when someone else tries to operate the card. If the card is swallowed, the card needs to be retrieved from the service desk, thus ensuring the security of the bank card.

[0005] 2. By setting up monitoring cameras at multiple angles to capture the internal situation, video footage can be collected of operators entering later, facilitating subsequent retrieval.

[0006] However, in reality, some users are quick and often leave immediately after use. If they forget to retrieve their cards, the countdown for automatic card ejection or card swallowing may not be completed, which still poses a certain security risk. On the other hand, simply shortening the countdown timer for automatic card ejection or card swallowing may cause inconvenience to users. Utility Model Content

[0007] The purpose of this invention is to provide a bank card protection device for use in banking equipment. By configuring a first controlled switch in the existing electrical connection cable and a door lock status detection mechanism in the door lock, the first controlled switch can be disconnected after the door lock is opened, thereby disconnecting the card reader from the connection terminal. This simulates the removal of the card even when it has not been removed. Even if someone enters and closes the door shortly afterward, the bank card is still in the same state as if it has been removed and reinserted, effectively ensuring the security of the bank card.

[0008] The objective of this utility model can be achieved through the following technical solutions:

[0009] A bank card protection device for use in banking equipment includes a bank card slot, a card reader, a connection terminal, and an electrical connection cable disposed within the banking equipment. The connection terminal contacts the chip contacts of the bank card located in the bank card slot and is connected to the card reader via the electrical connection cable. The protection device also includes a first controlled switch, a door lock status detection mechanism, and a controller. The input terminal of the controller is connected to the door lock status detection mechanism, and the output terminal is connected to the first controlled switch. The door lock status detection mechanism is disposed in the door lock of the self-service bank. The first controlled switch is disposed in the electrical connection cable. The controller controls the first controlled switch to disconnect when the door lock status detection mechanism detects that the door lock is open.

[0010] The door lock status detection mechanism includes a light-emitting diode, a photodiode, a first current-limiting resistor, and a second current-limiting resistor. The positive terminal of the light-emitting diode is connected to the positive terminal of a first low-voltage DC power supply, and the negative terminal is connected to the negative terminal of the first DC power supply through the first current-limiting resistor. The positive terminal of the photodiode is connected to the positive terminal of the first low-voltage DC power supply, and the negative terminal is connected to the controller and one end of the second current-limiting resistor. The other end of the second current-limiting resistor is connected to the negative terminal of the first DC power supply.

[0011] The photodiode is located on the upper inner side of the lock frame of the door lock, and the light-emitting diode is located on the lower inner side of the lock frame of the door lock, aligned with the photodiode.

[0012] The first controlled switch includes a main relay and a third current-limiting resistor. One end of the coil of the main relay is grounded, and the other end is connected to the controller through the third current-limiting resistor. The common contact and normally closed contact are located in the electrical connection cable.

[0013] The electrical connection cable has at least 6 copper wires, wherein the first copper wire is divided into two segments, the common contact of the first controlled switch is connected to one segment, and the normally closed contact is connected to the other segment.

[0014] The electrical connection cable has a total of 8 copper wires.

[0015] The first copper wire is connected to pin C1 of the connection terminal.

[0016] The controller includes a transition relay and a fourth current-limiting resistor. One end of the coil of the transition relay is connected to the negative terminal of the photodiode, and the other end is connected to the negative terminal of the second low-voltage DC power supply through the fourth current-limiting resistor. The common contact is connected to the positive terminal of the second low-voltage DC power supply, and the normally open contact is connected to the first controlled switch.

[0017] The controller is a microcontroller. The control signal input terminal of the first controlled switch is connected to an output pin of the microcontroller. The output terminal of the door lock status detection mechanism is connected to an input pin of the microcontroller. The power input terminal of the microcontroller is connected to the positive terminal of the first low-voltage DC power supply.

[0018] The controller and the second low-voltage DC power supply are located inside the bank equipment, and the door lock status detection mechanism is connected to the controller via a long cable.

[0019] The first controlled switch is a MOSFET.

[0020] Compared with the prior art, the present invention has the following beneficial effects:

[0021] 1. By configuring a first controlled switch in the existing electrical connection cable and a door lock status detection mechanism in the door lock, the first controlled switch can be disconnected after the door lock is opened, thereby disconnecting the card reader from the connection terminal. This allows the card to be simulated as being removed even when it has not been removed. Even if someone enters and closes the door shortly afterward, the bank card is still in the same position as if it has been removed and reinserted, effectively ensuring the security of the bank card.

[0022] 2. The door lock status detection mechanism uses a voltage divider circuit composed of photodiodes as the signal output, which is more stable and reliable.

[0023] 3. The first controlled switch includes a main relay and a third current-limiting resistor. It is implemented entirely in hardware and requires no software. It can automatically disconnect when the controller outputs a high level.

[0024] 4. Connect the first copper wire of the first controlled switch to the C1 pin of the connection terminal, so that the card ejection can be simulated based on the single-pole switch.

[0025] 5. By using transition relays and main relays, the problem of low sensitivity caused by signal attenuation due to excessive distance between the door lock and the machine can be avoided. Attached Figure Description

[0026] Figure 1 This is a schematic diagram of the structure of this utility model;

[0027] Figure 2 This is a schematic diagram of the circuit structure of a certain embodiment of the present invention;

[0028] Figure 3 This is a schematic diagram of the electrical connection cable portion in a certain embodiment of the present invention;

[0029] Figure 4 This is a schematic diagram showing the arrangement of the photodiode and the light-emitting diode;

[0030] The components are: 1. Connecting terminal, 2. Card reader, 3. Electrical connection cable, 4. First controlled switch, 5. Door lock status detection mechanism, 6. Controller, 7. Lock frame, 8. Lock tongue, R1. First current limiting resistor, R2. Second current limiting resistor, R3. Third current limiting resistor, R4. Fourth current limiting resistor, D1. Light-emitting diode, D2. Photodiode, VCC1. First low-voltage DC power supply, VCC2. Second low-voltage DC power supply, K1. Main relay, K2. Transition relay. Detailed Implementation

[0031] The present invention will now be described in detail with reference to the accompanying drawings and specific embodiments. This embodiment is based on the technical solution of the present invention and provides detailed implementation methods and specific operating procedures; however, the scope of protection of the present invention is not limited to the following embodiments.

[0032] It should be noted that similar labels and letters in the following figures indicate similar items. Therefore, once an item is defined in one figure, it does not need to be further defined and explained in subsequent figures.

[0033] In the description of this utility model, it should be noted that the terms "center," "upper," "lower," "left," "right," "vertical," "horizontal," "inner," and "outer," etc., indicating the orientation or positional relationship, are based on the orientation or positional relationship shown in the accompanying drawings and are only for the convenience of describing this utility model and simplifying the description, and do not indicate or imply that the device or element referred to must have a specific orientation, or be constructed and operated in a specific orientation, and therefore should not be construed as a limitation on this utility model. Furthermore, the terms "proximal end," "farthest end," and "third" are used for descriptive purposes only and should not be construed as indicating or implying relative importance. Physical quantities in formulas, unless otherwise specified, should be understood as basic quantities of the International System of Units (SI) base units, or derived quantities derived from basic quantities through mathematical operations such as multiplication, division, differentiation, or integration.

[0034] Furthermore, terms such as "horizontal," "vertical," and "sag" do not imply that components must be absolutely horizontal or suspended, but rather that they can be slightly tilted. For example, "horizontal" simply means that its direction is more horizontal relative to "vertical," and does not mean that the structure must be completely horizontal, but can be slightly tilted.

[0035] In the description of this utility model, it should also be noted that, unless otherwise explicitly specified and limited, the terms "installation," "connection," and "joining" should be interpreted broadly. For example, they can refer to a fixed connection, a detachable connection, or an integral connection; they can refer to a mechanical connection or an electrical connection; they can refer to a direct connection or an indirect connection through an intermediate medium; and they can refer to the internal connection of two components. Those skilled in the art can understand the specific meaning of the above terms in this utility model based on the specific circumstances.

[0036] The following detailed description of some embodiments of the present invention is provided in conjunction with the accompanying drawings. Unless otherwise specified, the following embodiments and features can be combined with each other.

[0037] A bank card protection device for use in banking equipment, such as Figure 1 As shown, the device includes a bank card slot, a card reader 2, a connection terminal 1, and an electrical connection cable 3, all located within the bank machine. The connection terminal 1 contacts the chip contacts of the bank card located in the bank card slot and is connected to the card reader 2 via the electrical connection cable 3. The protection device also includes a first controlled switch 4, a door lock status detection mechanism 5, and a controller 6. The input terminal of the controller 6 is connected to the door lock status detection mechanism 5, and the output terminal is connected to the first controlled switch 4. The door lock status detection mechanism 5 is located in the door lock of the self-service bank, and the first controlled switch 4 is located in the electrical connection cable 3. The controller 6 controls the first controlled switch 4 to disconnect when the door lock status detection mechanism 5 detects that the door lock is open.

[0038] By configuring a first controlled switch 4 in the existing electrical connection cable 3 and a door lock status detection mechanism 5 in the door lock, the first controlled switch 4 can be disconnected after the door lock is opened, thereby disconnecting the card reader 2 and the connection terminal 1. This allows the card to be simulated as being removed even when it has not been removed. Even if someone enters and closes the door lock shortly afterward, the bank card is still in the same state as if it has been removed and reinserted, effectively ensuring the security of the bank card.

[0039] In this embodiment, as Figure 2As shown, the door lock status detection mechanism 5 includes a light-emitting diode (LED) D1, a photodiode D2, a first current-limiting resistor R1, and a second current-limiting resistor R2. The positive terminal of LED D1 is connected to the positive terminal of the first low-voltage DC power supply VCC1, and the negative terminal is connected to the negative terminal of the first DC power supply through the first current-limiting resistor R1. The positive terminal of photodiode D2 is connected to the positive terminal of the first low-voltage DC power supply VCC1, and the negative terminal is connected to the controller 6 and one end of the second current-limiting resistor R2. The other end of the second current-limiting resistor R2 is connected to the negative terminal of the first DC power supply. Therefore, when the latch 8 is located in the lock frame 7, that is, when the door lock is in the locked state, the light emitted by LED D1 is blocked by photodiode D2, so photodiode D2 is in the open state. At this time, the voltage divider output terminal of the voltage divider circuit formed by the photodiode D2 and the second current-limiting resistor R2 in series is at a low level, that is, the door lock status is detected. The signal provided by the detection mechanism 5 to the controller 6 is low-level. When the latch 8 is not in the lock frame 7, that is, when the door lock is in an unlocked state, the photodiode D2 normally receives the light emitted by the light-emitting diode D1. At this time, the photodiode D2 is in the conducting state, and the voltage divider output terminal of the voltage divider circuit formed by the photodiode D2 and the second current-limiting resistor R2 in series is high-level. That is, the signal provided by the door lock status detection mechanism 5 to the controller 6 is high-level. In some improved embodiments, the latch 8 can be black to absorb light and reduce interference. Alternatively, in other improved embodiments, the surface of the latch 8 and the inner wall of the lock frame 7 are frosted to avoid misleading transmission caused by specular reflection. In addition, in all embodiments, the light intensity of the secondary light should be clearly distinguishable from natural light. For example, a certain obstruction can be set at the entrance of the lock frame 7, or it can be as follows: Figure 4 As shown, LED D1 and photodiode D2 are embedded inside the lock frame 7.

[0040] Alternatively, in some embodiments, only a photodiode D2 is configured instead of a light-emitting diode D1. The cost of such embodiments can be further reduced, but the lock frame 7 and the lock tongue 8 need to be precisely matched. When the lock tongue 8 is located in the lock frame 7, it can completely block the ambient light from the outside.

[0041] Furthermore, in most embodiments, such as Figure 4 As shown, photodiode D2 is located on the upper inner side of the lock frame 7 of the door lock, and light-emitting diode D1 is located on the lower inner side of the lock frame 7 of the door lock, aligned with photodiode D2. This can further reduce interference from ambient light.

[0042] In this embodiment, as Figure 2As shown, the first controlled switch 4 includes a main relay K1 and a third current-limiting resistor R3. One end of the coil of the main relay K1 is grounded, and the other end is connected to the controller 6 through the third current-limiting resistor R3. The common contact and normally closed contact are located in the electrical connection cable 3. The controller 6 includes a transition relay K2 and a fourth current-limiting resistor R4. One end of the coil of the transition relay K2 is connected to the negative terminal of the photodiode D2, and the other end is connected to the negative terminal of the second low-voltage DC power supply VCC2 through the fourth current-limiting resistor R4. The common contact is connected to the positive terminal of the second low-voltage DC power supply VCC2, and the normally open contact is connected to the first controlled switch 4. The first controlled switch 4 and the controller 6 are both implemented entirely in hardware and do not require software. They can be automatically disconnected when the controller 6 outputs a high level.

[0043] In this embodiment, specifically, the coil of the main relay K1 is connected to the second low-voltage DC power supply VCC2 through the third current-limiting resistor R3. When the signal provided by the door lock status detection mechanism 5 is low, the transition relay K2 is in the open state. At this time, its normally open contact and common contact are open, and the power supply VCC2 cannot supply power to the coil of the main relay K1. Therefore, the coil of the main relay K1 is not energized, and the normally closed contact of the main relay K1 is closed. That is, the connection terminal 1 and the card reader 2 can be electrically connected normally, thereby realizing the connection when the lock tongue 8 is located in the lock frame 7. When the lock is in the lock, terminal 1 and card reader 2 can be electrically connected normally. Conversely, when the signal from the door lock status detection mechanism 5 is high, the coil of the transition relay K2 is energized. At this time, its normally open contact and common contact are closed, and the power from the second low-voltage DC power supply VCC2 can power the coil of the main relay K1, thus energizing the coil of the main relay K1 and opening its normally closed contact. This means that terminal 1 and card reader 2 cannot be electrically connected normally, thus achieving the disconnection of the electrical connection between terminal 1 and card reader 2 when the latch 8 is not in the lock frame 7. Since almost all ATMs have a function where the card reader 2 cannot read the bank card data, it will exit the current operation as if the card has been taken, thus realizing the simulation of a user's card taking action using pure hardware circuitry. During this electrical connection, the user will be required to re-enter the PIN, protecting the security of the bank card.

[0044] Of course, in other embodiments, the controller 6 can be a microcontroller. In this case, the control signal input terminal of the first controlled switch 4 is connected to an output pin of the microcontroller, the output terminal of the door lock status detection mechanism 5 is connected to an input pin of the microcontroller, and the power input terminal of the microcontroller is connected to the positive terminal of the first low-voltage DC power supply VCC1. In this case, the first controlled switch 4 is a MOSFET.

[0045] Furthermore, since both the bank card chip and the card reader 2 of the device comply with the ISO7816-2 standard, which specifies a total of 8 pins, C1 to C8, in reality, almost all bank cards currently use only a 6-pin design, specifically C1 to C3 and C5 to C7. This means that C4 and C8 are not actually used. Therefore, in all embodiments of this application, consistent with the vast majority of existing designs, such as... Figure 3 As shown, the electrical connection cable 3 has at least 6 copper wires. In some embodiments, the main relay K1 can be a multi-pole switch, thereby enabling the on / off control of multiple copper wires in the electrical connection cable 3. However, in this embodiment, the first copper wire is divided into two segments. The common contact of the first controlled switch 4 is connected to one segment, and the normally closed contact is connected to the other segment. The first copper wire corresponds to the C1 pin, which is the positive terminal of the power supply. Therefore, when the C1 pin is disconnected, it is equivalent to the bank card being directly ejected. In this way, the main relay K1 can be a single-pole switch, further reducing the cost.

[0046] Of course, in other embodiments, the electrical connection cable 3 can also be designed with 8 copper wires, which facilitates subsequent upgrades.

[0047] The controller 6 and the second low-voltage DC power supply VCC2 can be installed in various locations. As long as they can be connected by wires, their location will not affect their use. Of course, in this embodiment, the controller 6 and the second low-voltage DC power supply VCC2 are installed inside the bank machine. The door lock status detection mechanism 5 is connected to the controller 6 through a long cable. Through the transition relay K2 and the main relay K1, the problem of low sensitivity caused by signal attenuation due to the distance between the door lock and the machine being too far, i.e., the long cable being too long, can be avoided.

[0048] Furthermore, the specific structure of the card reader 2, bank card slot, and connection terminal 1 in this application is completely consistent with the prior art. To avoid obscuring the purpose of this application, it will not be described in detail here.

Claims

1. A bank card protection device for use in banking equipment, comprising a bank card slot, a card reader, a connecting terminal, and an electrical connecting cable disposed within the banking equipment, wherein the connecting terminal contacts the chip contacts of the bank card located in the bank card slot and is connected to the card reader via the electrical connecting cable, characterized in that, The protection device also includes a first controlled switch, a door lock status detection mechanism, and a controller. The input terminal of the controller is connected to the door lock status detection mechanism, and the output terminal is connected to the first controlled switch. The door lock status detection mechanism is located in the door lock of the self-service bank. The first controlled switch is located in the electrical connection cable. When the door lock status detection mechanism detects that the door lock is open, the controller controls the first controlled switch to disconnect.

2. The bank card protection device for use in banking equipment according to claim 1, characterized in that, The door lock status detection mechanism includes a light-emitting diode, a photodiode, a first current-limiting resistor, and a second current-limiting resistor. The positive terminal of the light-emitting diode is connected to the positive terminal of a first low-voltage DC power supply, and the negative terminal is connected to the negative terminal of the first DC power supply through the first current-limiting resistor. The positive terminal of the photodiode is connected to the positive terminal of the first low-voltage DC power supply, and the negative terminal is connected to the controller and one end of the second current-limiting resistor. The other end of the second current-limiting resistor is connected to the negative terminal of the first DC power supply. The photodiode is located on the upper inner side of the lock frame of the door lock, and the light-emitting diode is located on the lower inner side of the lock frame of the door lock, aligned with the photodiode.

3. A bank card protection device for use in banking equipment according to claim 2, characterized in that, The first controlled switch includes a main relay and a third current-limiting resistor. One end of the coil of the main relay is grounded, and the other end is connected to the controller through the third current-limiting resistor. The common contact and normally closed contact are located in the electrical connection cable.

4. A bank card protection device for use in banking equipment according to claim 3, characterized in that, The electrical connection cable has at least 6 copper wires, wherein the first copper wire is divided into two segments, the common contact of the first controlled switch is connected to one segment, and the normally closed contact is connected to the other segment.

5. A bank card protection device for use in banking equipment according to claim 4, characterized in that, The electrical connection cable has a total of 8 copper wires.

6. A bank card protection device for use in banking equipment according to claim 4, characterized in that, The first copper wire is connected to pin C1 of the connection terminal.

7. A bank card protection device for use in banking equipment according to claim 3, characterized in that, The controller includes a transition relay and a fourth current-limiting resistor. One end of the coil of the transition relay is connected to the negative terminal of the photodiode, and the other end is connected to the negative terminal of the second low-voltage DC power supply through the fourth current-limiting resistor. The common contact is connected to the positive terminal of the second low-voltage DC power supply, and the normally open contact is connected to the first controlled switch.

8. A bank card protection device for use in banking equipment according to claim 1, characterized in that, The controller is a microcontroller. The control signal input terminal of the first controlled switch is connected to an output pin of the microcontroller. The output terminal of the door lock status detection mechanism is connected to an input pin of the microcontroller. The power input terminal of the microcontroller is connected to the positive terminal of the first low-voltage DC power supply.

9. A bank card protection device for use in banking equipment according to claim 7 or 8, characterized in that, The controller and the second low-voltage DC power supply are located inside the bank equipment, and the door lock status detection mechanism is connected to the controller via a long cable.

10. A bank card protection device for use in banking equipment according to claim 1, characterized in that, The first controlled switch is a MOSFET.

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