Method and system for verifying trader identity on ATM (Automatic Teller Machine)

Abstract

The invention belongs to the technical field of financial transaction security and relates to a method and system for verifying a trader identity on an ATM (Automatic Teller Machine). The method comprises the steps of: acquiring a withdrawing password of a bank card by using a mobile terminal, sending the withdrawing password to a server in a short message manner, sending an authentication code after the withdrawing password is verified to have authenticity by the server, sending the authentication code input by a user to the server for verification by the ATM, determining whether the authentication code input by the user is identical to the authentication code sent by the server to the mobile terminal or not, if so, judging that the authentication code is correct and verifying the information of the bank card inserted by the user at the same time, verifying whether the information of the bank card is identical to the information of the bank card bound to an SIM (Subscriber Identity Module) card of the mobile terminal or not, if so, judging the identity of a withdrawer to be legal, and allowing the withdrawer to enter transaction operation of a next step. The method and the system disclosed by the invention have the advantages of high security, simple method, simplicity for user operation, and wide applicable range.

Description

[0001] 【Technical field】 [0002] The invention belongs to the technical field of financial transaction security, and relates to a method and a system for verifying the identity of a trader on an ATM machine. [0003] 【Background technique】 [0004] In order to enhance the security in the process of financial transactions, people have come up with various methods, through mobile phones, personal computers and POS machines can achieve very safe operations such as transfer, electronic payment and password modification, but if it involves cash transactions , you must go to an automatic teller machine (ATM) or a bank counter to deposit and withdraw. For the small-amount deposit and withdrawal business, it is very inconvenient to go to the bank counter to let the bank staff operate. However, due to the large number of ATM machines, there is no need to queue up for withdrawals or the queue time is short, and there is no time limit, which is very convenient. People have a demand ...

AI Technical Summary

Problems solved by technology

[0007] 1. The feature code is displayed on the display screen of the ATM machine. When other people are conducting transaction operations on the ATM machine at this time, the display screen of the ATM machine will be blocked, so that people who are waiting cannot see the feature code and cannot operate financially. Before the terminal, enter the feature code on the mobile terminal in advance. If you start to operate with your mobile phone when you are scheduled to conduct financial transactions, it will obviously slow down the entire operation process and increase the time for other people to wait in line for withdrawals.

If the feature code is printed on the wall above the display, it may be modified by criminals

[0008] 2. After operating the mobile phone, it is also necessary to enter the bank card password on the financial terminal. During the process of entering the bank card password, the password is likely to be intercepted by criminals, resulting in a decrease in security

[0009] 3. The financial terminal is located by the feature code, but the legal identity of the user cannot be accurately judged, because there will be many users who operate on a financial terminal. The previous one was a criminal, he knew the user's bank card password in advance, so it is easy to impersonate the user to withdraw money

If cardless withdrawal is used, as long as illegal users obtain relevant information about the card number and password, it will be easy to steal deposits, so the security of cardless withdrawal is not high

[0013] In order to solve the problem that the password is illegally intercepted, the Chinese invention patent with the patent publication number of CN10763692 A discloses a system for inputting the password of the ATM machine. The device replaces the input device originally set on the ATM machine, so as to avoid being recorded by a camera or a counterfeit keyboard. In this patent, the mobile phone includes a transmitting unit, which is a transmitting module using short-distance transmission technology. The ATM machine includes The receiving unit, the receiving unit is a receiving module using short-distance transmission technology to receive the personal password transmitted by the transmitting module. The transmitting unit and the receiving unit are respectively the transmitting module and the receiving module using the Bluetooth transmission protocol. In this patent, it is necessary to It can be used when both the ATM machine and the mobile phone have a Bluetooth module. In this way, the manufacturing cost of the ATM machine has been significantly increased, and the existing ATM machine is not equipped with a Bluetooth module, so the cost of upgrading the ATM machine has also been increased. Not only In this way, since the two Bluetooth modules need to be paired when establishing a communication link, the pairing can only be successful when both parties know the pairing password. If the default pairing is successful without the pairing password, it will obviously increase the transaction risk , At the same time, this will give criminals an opportunity to take advantage of. Criminals can also enter the password by pairing with the Bluetooth module of the ATM, and disrupt the normal transaction process of the user by entering the wrong password. On the other hand, through the mobile phone The Bluetooth module sends the transaction password to the ATM machine. It is difficult for the mobile phone itself to operate without software installed. Therefore, it is necessary to install some special software on the mobile phone to perform this operation, which obviously increases the upgrade cost of the user. In this way, the usage rate of users will definitely decrease, which will bring difficulties to the promotion of this technology. On the other hand, because not every mobile phone has a Bluetooth communication module, this also limits the application range of this technology, so In summary, the technology recorded in this patent is an impractical technology that consumes a lot of cost, but it is difficult to bring economic and social benefits.

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