JPS5929906B2 - How to prevent unauthorized use of magnetic cards such as cash cards - Google Patents
How to prevent unauthorized use of magnetic cards such as cash cardsInfo
- Publication number
- JPS5929906B2 JPS5929906B2 JP57119327A JP11932782A JPS5929906B2 JP S5929906 B2 JPS5929906 B2 JP S5929906B2 JP 57119327 A JP57119327 A JP 57119327A JP 11932782 A JP11932782 A JP 11932782A JP S5929906 B2 JPS5929906 B2 JP S5929906B2
- Authority
- JP
- Japan
- Prior art keywords
- card
- fingerprint
- secret number
- cards
- unauthorized use
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired
Links
Landscapes
- Credit Cards Or The Like (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Collating Specific Patterns (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Description
【発明の詳細な説明】
本発明は秘密番号（暗誦番号）と指紋検出のダブルチェ
ック機能をもたせた磁気カード不正使用防止方法に関す
るものである。DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a method for preventing unauthorized use of a magnetic card, which has a double-check function of secret number (PIN number) and fingerprint detection.
近時、磁気カードの発展に伴い各種分野において利用さ
れるに至つている。Recently, with the development of magnetic cards, they have come to be used in various fields.
しかし、この身分証明機能をもたせた磁気カードといえ
ども偽造、悪用などが無いわけではなく、特に金融機関
において発生する事故にあつては甚大な被害をこうむる
ものである。即ち、一般に用いられているキャッシュカ
ード（バンクカード）における現金の預け入れ、引き出
しは、設定器へ秘密番号（暗誦番号）を打込むだけでカ
ードからのデータとの対応関係を検査し、その対応が予
め定めたものであるときにサービス器を作動させ、現金
支払等を行なうものである。この場合秘密番号は通常１
０進４桁程度の数値の組合わせよりなつているため、悪
用する他人が秘密番号を数回繰返しキーインセットする
ことにより正しい番号と合うことがある（現在のキャッ
シュディスペンサは、記憶間違い又はキ’０−インミス
等を考慮して、複数回のキーインセットが可能）。更に
、近頃は職業意識の自覚、モラルの低下も伴い金融機関
の現場担当者とかコンピューター操作員等自体が悪用す
ることもあり、１００％不正使用を防止し得る保証は何
処にもな１５いものである。本発明は上記実情に鑑み、
申請者のみ（本人及び本人と家族１名など）の指紋を秘
密番号と組合わせることにより不正使用、不正操作の招
かない磁気カードの不正使用防止方法を提供するもので
２０ある。However, even magnetic cards equipped with this identification function are not free from counterfeiting and misuse, and especially in the case of an accident occurring at a financial institution, they can cause serious damage. In other words, to deposit or withdraw cash using a commonly used cash card (bank card), simply enter a secret number (PIN number) into the setting device, and the correspondence with the data from the card is checked. The service machine is activated when the payment is predetermined and cash payments are made. In this case, the secret number is usually 1
It is made up of a combination of about 4 digits in decimal digits, so a person who misuses the secret number may be able to match the correct number by repeatedly keying in the secret number several times. (0-key inset is possible multiple times, taking into account inaccuracies, etc.). Furthermore, with the recent decline in professionalism and morale, financial institutions' field personnel and computer operators themselves may misuse the system, and there is no guarantee that it will 100% prevent unauthorized use. be. The present invention has been made in view of the above circumstances,
There are 20 methods of preventing unauthorized use of magnetic cards that do not invite unauthorized use or manipulation by combining the fingerprints of only the applicant (the applicant and one family member, etc.) with a secret number.
即ち、本発明はキャッシュカードの磁気ストライプ部に
秘密番号をその他の所定の箇所に特殊化学薬液を附けた
指紋をスタンプ状に附着させ、この２つの記録及び印影
を自動的に読み取らせ、予２５め登録の秘密番号と指紋
とを符合せしめ、夫々合致した時にのみ支払いを可能と
するものである。That is, the present invention attaches a secret number to the magnetic stripe part of the cash card and a fingerprint with a special chemical solution to other predetermined places in the form of a stamp, and automatically reads these two records and the seal impression. This system matches the registered secret number with the fingerprint, and payment is only possible when the numbers match.
以下、本発明を実施例の構成に基づいて説明すれば次の
通りである。先ず、キャッシュカード１の構成は表面に
従来３０同様の口座番号、支店コード、秘密番号等を磁
気記録した磁気ストライプ２と指紋押捺部３を配してな
るものである。Hereinafter, the present invention will be explained based on the configuration of an embodiment. First, the structure of the cash card 1 is such that a magnetic stripe 2 magnetically records an account number, branch code, secret number, etc., similar to the conventional 30, and a fingerprint stamping part 3 on the front surface.
この場合、勿論従来のそれと同様に秘密番号を登録する
と共に、カードを使用する者（本人及び妻などとなる家
族１名の指紋印３５影を予め登録しておくものである）
。ここにおいて、キャッシュカード１の使用に際しては
、その都度該キャッシュカード１の指紋押、りＣ−捺部
３へ指定の指紋を、光学的に感知しえる特殊化学液を浸
したスタンプ（図示せず）に押圧し、その指紋印影４を
附着させる。In this case, of course, the secret number is registered in the same way as in the past, and the fingerprints of the person using the card (the person himself and one family member such as his wife) are registered in advance.
. Here, each time the cash card 1 is used, a designated fingerprint is stamped on the C-printing part 3 of the cash card 1 using a stamp (not shown) soaked in a special chemical liquid that can be detected optically. ) to attach the fingerprint impression 4.
この後カード挿入口へ差込めば秘密番号読み取り器５に
て読み取りし、その信号を秘密番号照会器６へ入力する
と共に、指紋読み取り器７で指紋を読み取り、その信号
を指紋照会器８へ入力させそれぞれの信号を制御器９へ
導く、一方キーボード等よりなる設定器１０にて秘密番
号を午一インして制御器９へ同様に導くものである。次
に、この制御器９にて前記入力せる秘密番号と予め登録
の秘密番号と、予め登録の指紋と入力の指紋との双方の
信号が合致した時のみ０Ｋの信号を発し、予め設定器１
０へ午一インした支払い該を、預金残高を照会して初め
てサービス器１１を作動し、所定の金額を支払うものと
するものである。After that, when the card is inserted into the card insertion slot, it is read by the secret number reader 5, and the signal is input to the secret number inquiry device 6. At the same time, the fingerprint is read by the fingerprint reader 7, and the signal is input to the fingerprint inquiry device 8. The signals are then guided to the controller 9, while the secret number is entered on a setting device 10, such as a keyboard, and similarly guided to the controller 9. Next, the controller 9 issues an 0K signal only when the signals of the input secret number, the pre-registered secret number, the pre-registered fingerprint, and the input fingerprint match.
The service device 11 is operated only after the deposit balance is inquired about the payment entered at 0, and the predetermined amount is paid.
この場合、前記秘密番号と指紋との夫々いずれか一方で
も信号に一致をみない時は、カード返却器１２を作動し
て午アッシュカート１を押し戻し、再びキーインさせる
指示を与える。In this case, if either the secret number or the fingerprint does not match the signals, the card return device 12 is activated to push back the ash cart 1 and give an instruction to key in again.
勿論このときは表示器１３でもその結果を表示する。又
、このような誤操作が数回重なるとすればカード回収器
１４を働かせ、午ヤツシユカｉド１を取り込んでしまつ
てもよいことは自在である。尚、支払い後に戻つたキヤ
ツシユカード１の指紋印影４は、紙等にて拭い去るか、
若しくは拭い忘れを防止し完全な指紋印影の消去をなす
ためには、カード挿入口の内側へ自動拭い装置（図示せ
ず）を備えることが望ましい。Of course, at this time, the result is also displayed on the display 13. Furthermore, if such erroneous operations occur several times, it is possible to activate the card collector 14 and retrieve the card 1. Please note that the fingerprint impression 4 on the cash card 1 returned after payment must be wiped off with paper, etc.
Alternatively, in order to prevent forgetting to wipe the card and completely erase the fingerprint impression, it is desirable to provide an automatic wiping device (not shown) inside the card insertion slot.
上述の様に本発明の磁気カード不正使用防止方法は、カ
ード本体に従来の磁気記録となる磁気ストライプと指紋
押捺部を配し、秘密番号と指紋の両信号が合致した時の
み、サービス器（支払器部）を作動させる方式を採るこ
とによりカードが紛失したり、担当者による悪質な不正
使用が一掃出来るものである。As mentioned above, the magnetic card unauthorized use prevention method of the present invention includes a magnetic stripe, which serves as conventional magnetic recording, and a fingerprint imprinted part on the card body, and only when the secret number and fingerprint signals match, the service device ( By adopting a method of activating the payment device section, it is possible to eliminate cases where the card is lost or malicious unauthorized use by the person in charge.
即ち、使用者本人（申請時に指紋を登録しておけば、本
人の他家族１名（妻）等も可能とする）力埴接銀行へ行
き、その場において指紋をカードへ押捺しない限り、片
方の情報（指紋照合信号）が得られず、誤つた支払いは
不町能となる。勿論、この場合指紋をカードへ附着する
手段は、コンピユータ一（指紋読み取り器）が感応しえ
る範囲であれば、指紋押捺は化学薬液のスタンプをもつ
てなす外、単に直接指をカードへ押付けても、当然指紋
は付き読み取られるものとなる。又、使用後のカードは
紙等で拭つておけば、そのカードを再使用不能であり、
紛失、盗難等に対処し得るものである。勿論、この化学
薬液を、一定時間を経れば気化してしまうような液を用
いれば、いちいち拭うこともなくなる等の効果を奏する
。In other words, unless the user himself (or one other family member (wife, etc.) of the user can register his fingerprints at the time of application) goes to a Lipo Bank and stamps his fingerprints on the card on the spot, one of the users will not be able to use the card. information (fingerprint verification signal) cannot be obtained, and incorrect payments will be discontinued. Of course, in this case, as long as the computer (fingerprint reader) is sensitive to the fingerprint, the means for attaching the fingerprint to the card can be simply pressing the finger directly onto the card, in addition to using a chemical stamp. Naturally, fingerprints will also be left on and read. Also, if you wipe the card with paper after use, it cannot be used again.
It can deal with loss, theft, etc. Of course, if a chemical solution is used that evaporates after a certain period of time, there will be an effect that it will not be necessary to wipe the area every time.
図面は本発明の一実施例を示すものであり、第１図は磁
気カードの正面図、第２図は操作を示すプロツク図であ
る。
１・・・・・・キヤツシユカード、２・・・・・・磁気
ストライプ、３・・・・・・指紋押捺部、４・・・・・
・指紋印影、５・・・・・・秘密番号読み取り器、６・
・・・・・秘密番号照会器、７・・・・・・指紋読み取
り器、８・・・・・・指紋照会器、９・・・・・・制御
器、１０″・・・・・・設定器、１１・・・・・・サー
ビス器、１２・・・・・・カード返却器。The drawings show one embodiment of the present invention, and FIG. 1 is a front view of a magnetic card, and FIG. 2 is a block diagram showing the operation. 1... Cash card, 2... Magnetic stripe, 3... Fingerprint stamping section, 4...
・Fingerprint imprint, 5...Secret number reader, 6.
...Secret number inquiry device, 7...Fingerprint reader, 8...Fingerprint inquiry device, 9...Controller, 10''... Setting device, 11... Service device, 12... Card return device.
Claims (1)
録した磁気ストライプを配するカード本体の表面に、更
に光学的に感知しえる化学薬液を指定指に塗着した指紋
をその都度指紋押捺部へ附着させ、設定器に手動設定す
る秘密番号の検査信号と指紋読み取り器により予め登録
した指紋検査信号との２信号の符合にてサービス器を作
動させることを特徴としたキャッシュカード等の磁気カ
ード不正使用防止方法。1. On the surface of the card body, which has a magnetic stripe on which specified information such as account number, branch code, secret number, etc. A magnetic card, such as a cash card, characterized in that a service device is activated by the coincidence of two signals: an inspection signal of a secret number attached to a card and manually set in a setting device, and a fingerprint inspection signal registered in advance by a fingerprint reader. How to prevent unauthorized use.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP57119327A JPS5929906B2 (en) | 1982-07-09 | 1982-07-09 | How to prevent unauthorized use of magnetic cards such as cash cards |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP57119327A JPS5929906B2 (en) | 1982-07-09 | 1982-07-09 | How to prevent unauthorized use of magnetic cards such as cash cards |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| JPS599775A JPS599775A (en) | 1984-01-19 |
| JPS5929906B2 true JPS5929906B2 (en) | 1984-07-24 |
Family
ID=14758719
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP57119327A Expired JPS5929906B2 (en) | 1982-07-09 | 1982-07-09 | How to prevent unauthorized use of magnetic cards such as cash cards |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JPS5929906B2 (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPS644203U (en) * | 1987-06-30 | 1989-01-11 | ||
| JPH0236304U (en) * | 1988-09-02 | 1990-03-09 |
Families Citing this family (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPS61276081A (en) * | 1985-05-31 | 1986-12-06 | Toshiba Corp | Id card and its collator |
| JPS63170097A (en) * | 1987-01-07 | 1988-07-13 | 金澤 政男 | Card in which fingerprint is used for identifying person in question and method of detecting said card |
| JPH0626456Y2 (en) * | 1988-02-22 | 1994-07-20 | 日産自動車株式会社 | Shock absorber bumper body mounting structure |
| JP2003091509A (en) | 2001-09-17 | 2003-03-28 | Nec Corp | Personal authentication method for portable communication equipment and program describing the same |
| JP5757616B2 (en) * | 2011-02-28 | 2015-07-29 | 独立行政法人国立高等専門学校機構 | Impact reduction device |
-
1982
- 1982-07-09 JP JP57119327A patent/JPS5929906B2/en not_active Expired
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPS644203U (en) * | 1987-06-30 | 1989-01-11 | ||
| JPH0236304U (en) * | 1988-09-02 | 1990-03-09 |
Also Published As
| Publication number | Publication date |
|---|---|
| JPS599775A (en) | 1984-01-19 |
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