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WO2000048122A1 - Smart anticounterfeit financial pos machine - Google Patents

Smart anticounterfeit financial pos machine Download PDF

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Publication number
WO2000048122A1
WO2000048122A1 PCT/CN1999/000148 CN9900148W WO0048122A1 WO 2000048122 A1 WO2000048122 A1 WO 2000048122A1 CN 9900148 W CN9900148 W CN 9900148W WO 0048122 A1 WO0048122 A1 WO 0048122A1
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WO
WIPO (PCT)
Prior art keywords
fingerprint
card reader
smart
card
interface
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.)
Ceased
Application number
PCT/CN1999/000148
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English (en)
French (fr)
Inventor
Shuxin Zhang
Chuanxiang Xu
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
BEIJING COURAGE TECHNOLOGY DEVELOPMENT Co Ltd
Original Assignee
BEIJING COURAGE TECHNOLOGY DEVELOPMENT Co Ltd
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by BEIJING COURAGE TECHNOLOGY DEVELOPMENT Co Ltd filed Critical BEIJING COURAGE TECHNOLOGY DEVELOPMENT Co Ltd
Priority to AU57259/99A priority Critical patent/AU5725999A/en
Publication of WO2000048122A1 publication Critical patent/WO2000048122A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/205—Housing aspects of ATMs

Definitions

  • the present invention belongs to a financial POS machine, and particularly a collection of functions such as reading and writing smart IC cards, magnetic stripe cards, fingerprint collection, fingerprint comparison, display of image information such as photos and text information such as names, and bill printing.
  • Integrated intelligent instrument Background technique
  • a person may need to remember many passwords, such as his computer password, safe password, passbook password, phone password, etc.
  • passwords such as his computer password, safe password, passbook password, phone password, etc.
  • users In order to be easy to remember and not easy to be stolen by others, users have to take pains Program these passwords.
  • These passwords are also the source of leaks.
  • many users use their birth date or other meaningful numbers as passwords for convenience of memory. This is actually very easy for others to guess. This has occurred in cases of misappropriation of credit cards or "credit cards”. Disclosure of invention
  • the purpose of the present invention is to provide an intelligent instrument which integrates many functions such as reading and writing smart IC card, magnetic stripe card, fingerprint collection, fingerprint comparison, display of text information such as photo image information and name, and receipt printing. It can accept new-type Ic card credit card transactions, and it can also accept issued magnetic stripe credit card transactions.
  • the invention is designed to improve the security and anti-counterfeiting performance of the current financial P 0 S machine. It includes a magnetic card reader, a fingerprint reader, an operating keyboard, and a liquid crystal display. It is characterized in that it also includes a central processing that performs functions such as fingerprint feature extraction, automatic fingerprint comparison, data decryption and decompression, logic control, and data communication.
  • the central processing unit consists of 32-bit embedded CPU chip, data storage chip set, program memory chip set, sequential logic control chip set, etc. It consists of a device, the communication interface is a dedicated expansion interface board, which includes a standard parallel communication interface connected to a receipt printer, three serial communication interfaces (one connected to the WAN through a modem, and another connected to an IC card reader. Serial communication interface of local area network), a magnetic card reader driver interface, the instrument main board is composed of AC / DC power module, keyboard decoding module, encryption module, optical fingerprint scanning interface circuit, and small screen LCD interface circuit.
  • the fingerprint reader used in the present invention is a fingerprint password keyboard.
  • FIG. 1 is a schematic block diagram of the present invention
  • FIG. 2 is an operation flowchart of the present invention
  • FIG. 3 is a circuit block diagram of a central processing unit according to the present invention.
  • FIG. 4 is a circuit block diagram of a dedicated expansion interface board according to the present invention.
  • Fig. 5 is a circuit schematic diagram of an AC / DC power module in the main board of the instrument of the present invention
  • Fig. 6 is a circuit schematic diagram of a keyboard decoding module in the main board of the apparatus of the present invention
  • Principle block diagram
  • FIG. 8 is a circuit schematic diagram of an optical fingerprint scanner interface circuit in an instrument main board
  • FIG. 9 is a circuit schematic diagram of a small screen liquid crystal interface circuit in an instrument main board of the present invention
  • FIG. 10 is a circuit block diagram of a fingerprint collection module according to the present invention.
  • FIG. 11 is a circuit block diagram of a display screen and a driving card according to the present invention.
  • Figure 12 shows the functional module diagram of the magnetic card reader T T L level to RS-232C interface.
  • Figure 13 shows the implementation principle of the magnetic card reader interface C P L D logic device.
  • Central Processing Unit a Central Processing Unit
  • the central processing unit performs functions such as fingerprint feature extraction, automatic fingerprint comparison, data decryption and decompression, logic control, and data communication.
  • the unit consists of a 32-bit embedded CPU chip, a data storage chipset, and a program storage Device chipset, sequential logic control chipset and other components.
  • Dedicated expansion interface board :
  • the expansion interface board integrates a standard parallel communication interface (connected to a credential printer), two RS232C serial communication interfaces (one connected to the WAN through a MODEM, and the other connected to a CPU card reader), and one RS485 serial communication interface
  • AC / DC power module U1 provides + 5V, U2 provides + 12V, and U3 provides -12V power (see Figure 5 for its circuit schematic diagram); keyboard decoding module (see Figure 6 for its circuit schematic diagram, where U4 is keyboard decoding Chip, J1 is the standard keyboard interface socket); encryption module (the circuit schematic diagram is shown in Figure 7); optical fingerprint scanner interface circuit (the circuit schematic diagram is shown in Figure 8, where U5 is the frame grabber video input socket and U6 is optical Fingerprint scanner signal output and power socket); small-screen LCD interface circuit (see Figure 9 for the circuit schematic, where U7 is the LCD signal line, control line, power interface, U8 is the socket on the motherboard). Fingerprint acquisition module:
  • Color LCD display and color LCD driver card It consists of an optical fingerprint scanner and an image capture card that converts video signals into digital quantities.
  • the circuit block diagram is shown in Figure 10.
  • Color LCD display and color LCD driver card :
  • the keyboard decoding module on the main board of the instrument scans and Decode commands and data entered by the keyboard.
  • Structure of the instrument- The structure of the intelligent anti-counterfeiting financial POS machine is a desktop, which works with the fingerprint password keyboard to complete the normal credit card transaction process.
  • the present invention can compare only the card holder's personal password (PIN), and can also compare the card holder's personal password (PIN) and fingerprint at the same time (this improves the security of card transactions).
  • the present invention can form a local area network (inside a super mall) through an RS485 serial communication port, or directly access a wide area network for cross-bank transactions.
  • the invention can also run on the Internet, so the blacklist query speed is fast, and the economic loss of cardholders and card issuing banks is reduced.
  • the present invention provides a PC / 104 embedded CPU as a hardware platform, which integrates CPU financial IC card (CPU card) reading and writing, magnetic stripe credit card reading, bill printing, fingerprint collection, and fully automatic comparison to an integrated POS machine, which can pass fingerprints. , Password, photo to identify the authenticity of the financial IC card, and can handle financial IC credit cards that store more than two fingerprints, a photo and text information at the same time in a CPU card.
  • the hardware structure of the present invention is combined with software for encrypting, decrypting, decompressing transaction information, and performing automatic identification of fingerprints, displaying text information such as photos and credit card transaction results.
  • These software and hardware functional modules constitute a powerful intelligent anti-counterfeiting Financial P0S machine.
  • This POS machine has the characteristics of strong anti-counterfeiting ability, strong communication function and fast credit card transaction speed. It can be widely used in banks and supermarkets to replace existing POS machines with backward functions.
  • the invention also has other functions: It can be used as a fingerprint collection, feature extraction and information encryption device for making smart anti-counterfeiting financial IC cards. It can communicate with image input devices such as scanners and cameras through a parallel communication port, and can provide functions for image input and compression processing. Support The LAN and WAN network protocols, and the configuration of network browsing software can perform network information browsing, communication, and reception, transmission, and retrieval of information materials. Various methods of blacklist query can be implemented (fingerprint, name, photo, personal password, etc.).

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Collating Specific Patterns (AREA)
  • Credit Cards Or The Like (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Description

智能防伪金融 POS机 技术领域
本发明属于一种金融 p o s机， 特别是一种集读写智能 I c卡、 磁条卡、 采集指纹、 指纹比对、 显示照片等图象信息和姓名等文字信 息、 票据打印等诸多功能于一体的智能化仪器。 背景技术
近年来， I c卡已广泛地在国际上使用， 在我国也有普及的趋 势。 对于 I c卡产品， 特别是 "货币卡"， 如果将个人的指紋数据作 为密码存入卡片， 可凭卡片在同地或异地购物， 消费、 存取款、 转账 结算等， 这样不仅安全可靠， 而且方便快捷。 我国现有的信用卡或 "货币卡" 的防伪是靠核对持卡人的笔迹 或身份证或个人密码。 但笔迹可以模仿， 身份证的像片有很多拍照己 久不易辨认， 且使用信用卡需另持身份证不很方便。 使用密码对用户 也是一件苦差事，一个人可能需要记住许多密码，如自己电脑的密码， 保险箱密码、 存折密码、 电话密码等， 为了容易记忆且不易被别人盗 取， 用户还得煞费苦心去编排这些密码。 这些密码也是泄密的根源， 例如在办理密码存折时， 许多用户为了记忆方便， 都用了自己的生曰 或其他有意义的数字来作为密码， 这其实是很容易被别人猜着的。 因 而盗用信用卡或"贷币卡 "的案件时而发生。 发明的公开
本发明的目的是为了提供一种集读写智能 I C卡、 磁条卡、 采 集指纹、 指纹对比、 显示照片图象信息和姓名等文字信息、 票据打印 等诸多功能于一体的智能化仪器， 其即能接受新型 I c卡信用卡交 易， 亦可接受已经发行的磁条信用卡交易。 本发明是为了改进现行金融 P 0 S机的安全和防伪性能而设计 的。 它包括磁卡阅读器， 指紋阅读器， 操作键盘， 液晶显示器， 其特 征在于， 它还包括一个执行指纹特征提取、 指纹全自动比对、 数据 解密和解压缩、 逻辑控制和数据通讯等功能的中央处理单元， 仪器主 板， 微型票据打印机， 智能 I C卡读写器， 通讯接口， 所述中央处理 单元由 3 2位嵌入式 C P U芯片、 数据存贮器芯片组、 程序存贮器芯 片组、 时序逻辑控制芯片组等器件组成， 所述通讯接口为专用扩展接 口板， 其包括一个连接票据打印机的标准并行通讯接口、 三个串行通 讯接口 （一个接 M O D E M连入广域网、 另一个连接 I C卡读写器， 一个组成局域网的串行通讯接口）， 一个磁卡阅读器驱动接口， 所述 仪器主板由 A C / D C电源模块、 键盘译码模块、 加密模块、 光学指 纹扫描接口电路、 小屏幕液晶接口电路组成。 本发明所用的指紋 阅读器采用的是指紋密码键盘。
附图的简要说明
下面结合附图详细说明实施例；
图 1为本发明的原理框图；
图 2为本发明的操作流程图；
图 3为本发明中央处理单元的电路原理框图；
图 4为本发明专用扩展接口板电路原理框图；
图 5为本发明仪器主板中的 A C / D C电源模块的电路原理图； 图 6为本发明仪器主板中的键盘译码模块的电路原理图； 图 7为本发明仪器主板中的加密模块的电路原理框图； 图 8为仪器主板中的光学指纹扫描器接口电路的电路原理图； 图 9 为本发明仪器主板中的小屏幕液晶接口电路的电路原理 图；
图 10为本发明指纹采集模块的电路原理框图；
图 11为本发明显示屏和驱动卡的电路原理框图。
图 1 2为磁卡阅读器 T T L电平到 R S -232C接口功能模块图 图 1 3为磁卡阅读器接口 C P L D逻辑器件的实现原理图 实现本发明的最佳方式
参见图示， 仪器主要包含的硬件模块有： 中央处理单元：
如图 3 所示， 中央处理单元执行指纹特征提取、 指紋全自 动比对、 数据解密和解压缩、 逻辑控制和数据通讯等功能。 该 单元由 32位嵌入式 CPU芯片、 数据存贮器芯片组、 程序存贮 器芯片组、 时序逻辑控制芯片组等器件组成。 专用扩展接口板：
该扩展接口板集成了一个标准并行通讯接口 （连接凭据打 印机）、 两个 RS232C 串行通讯接口 （一个接 MODEM连入广 域网、 另一个连接 CPU卡读写器）、 一个 RS485串行通讯接口
(组成局域网）、 一个磁卡阅读器驱动接口 (其电路原理图见图 12), 扩展接口板电路原理框图见图 4。 仪器主板：
由 AC/DC电源模块 U1提供 +5V、 U2提供 +12V、 U3提供 -12V 电源 （其电路原理图见图 5 ) ; 键盘译码模块 （其电路原 理图见图 6， 其中 U4 为键盘译码芯片， J1 为标准键盘接口插 座）； 加密模块 （其电路原理框图见图 7); 光学指紋扫描器接 口电路 （其电路原理图见图 8， 其中 U5为图像采集卡视频输入 插座， U6 为光学指纹扫描器信号输出与电源插座）； 小屏幕液 晶接口电路 （其电路原理图见图 9， 其中 U7为液晶信号线、 控 制线、 电源接口， U8为该接口在主板上的插座） 组成。 指纹采集模块：
由光学指纹扫描器和把视频信号转换为数字量的图像采集 卡组成。 其电路原理框图见图 10。 彩色液晶显示屏和彩色液晶驱动卡：
其电路原理框图见图 11。 磁卡阅读器与微机的串行通信：
阅读器 TTL电平到 RS-232 的接口功能模块图如图 12所示。 其 中复杂可编程逻辑器件 （CPLD) 的实现原理参见图 13。 智能 IC卡 （CPU) 卡读写器：
可读写 2KB、 4KB、 8KB、 16KB容量的金融 IC卡。 操作员键盘：
采用 4X5 矩阵键盘， 由仪器主板上的键盘译码模块扫描和 译码键盘输入的命令和数据。 仪器的结构形式- 智能防伪金融 POS机结构为台式， 与指纹密码键盘配合完 成正常的信用卡交易过程。 本发明既可只比对持卡人个人密码 （PIN), 亦可同时比对持卡人 个人密码 （PIN) 和指纹 （这样提高了持卡交易的安全性）。 如果持卡人选择了 PIN与指纹同时比对的安全措施， 但在持卡交 易当日手指受伤， 不能进行指纹比对时， 操作员可将屏幕上显示的照 片 （来自卡中存贮的持卡人照片数据） 与印在卡表面上的照片和持卡 人的相貌三者之间进行比对。 这样可避免因手指受伤而不能进行的正 常的信用卡交易活动。 本发明既可通过 RS485 串行通讯口组成局域网 （在超级商场内 部）， 亦可直接接入广域网， 进行跨行交易。 本发明还可以联网运行， 所以查询黑名单速度快， 减少了持卡人 和发卡银行的经济损失。 本发明提供的以 PC/104嵌入式 CPU为硬件平台，集 CPU金融 IC 卡 （CPU 卡） 读写、 磁条信用卡阅读、 票据打印、 指纹采集、 全自 动比对于一体的 POS机， 能够通过指紋、 密码、 照片来识别金融 IC 卡真伪， 并可处理在一张 CPU卡里面同时存储两枚以上指纹、 一幅 照片和文字信息的金融 IC信用卡。 工业应用件
本发明的硬件结构与进行交易信息加密、 解密、 解压縮和进行 指纹全自动识别、 显示照片和信用卡交易结果等文字信息的软件相 结合， 由这些软硬件功能模块构成一个功能强大的智能化防伪金融 P0S 机。 该 POS 机具有防伪能力强、 通讯功能强、 信用卡交易速度 快的特征。可广泛应用在银行、超级商场，取代现有的功能落后的 POS 机。
本发明还具备其它功能： 可以作为制作智能防伪金融 IC卡的指纹采集、 特征提取和信息 加密设备； 通过并行通讯口与扫描仪、 摄像头等图象输入设备进行 通讯， 可以提供实现图象输入和压縮处理的功能； 支持局域网、 广 域网网络协议， 配置网络浏览软件可进行网络信息浏览、 通讯和信 息资料的接收、 传输和检索等工作。 可以实现各种方式的黑名单查 询 （以指纹方式、 姓名方式、 像片方式和个人密码 PIN方式等）。

Claims

权利 要 求
1. 一种智能防伪金融 PO S机， 包括磁卡阅读器， 指纹阅读器， 操 作键盘， 液晶显示器， 其特征在于， 它还包括一个执行指纹特征 提取、 指纹全自动比对、 数据解密和解压缩、 逻辑控制和数据通 讯等功能的中央处理单元， 仪器主板， 微型票据打印机， 智能 I C卡读写器， 通讯接口， 所述中央处理单元由 3 2位嵌入式 CP U芯片、 数据存贮器芯片组、 程序存贮器芯片组、 时序逻辑控制 芯片组等器件组成， 所述通讯接口为专用扩展接口板， 其包括一 个连接票据打印机的标准并行通讯接口、 三个串行通讯接口 （一 个接 MO DEM连入广域网、 另一个连接 I C卡读写器， 一个组 成局域网的串行通讯接口）， 一个磁卡阅读器驱动接口， 所述仪 器主板由 AC/D C电源模块、 口键盘译码模块、 加密模块、 光学 指紋扫描接口电路、 小屏幕液晶接口电路组成。
PCT/CN1999/000148 1999-02-12 1999-09-22 Smart anticounterfeit financial pos machine Ceased WO2000048122A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU57259/99A AU5725999A (en) 1999-02-12 1999-09-22 Smart anticounterfeit financial pos machine

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN99204692.0 1999-02-12
CN99204692U CN2357368Y (zh) 1999-02-12 1999-02-12 智能防伪金融pos机

Publications (1)

Publication Number Publication Date
WO2000048122A1 true WO2000048122A1 (en) 2000-08-17

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AU (1) AU5725999A (zh)
WO (1) WO2000048122A1 (zh)

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CN104318289A (zh) * 2014-11-12 2015-01-28 成都汇合乾元科技有限公司 一种三合一读写器
CN105096454A (zh) * 2015-08-26 2015-11-25 广西小草信息产业有限责任公司 一种银行卡防盗刷系统及银行卡pos机刷卡防盗方法
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