IC card banknote transport management system solution for financial industry
chrispeng [ad_1]
Project Background
In the past few years, my country’s financial business has developed rapidly. During the transfer of the cash box of the bank money transport truck and the storage of the cash box, there have been some cases of fraudulent collection and embezzlement, which caused economic losses to the bank and created a negative society. effect.
While banks are constantly improving the prevention and monitoring methods, how to strengthen the supervision and management of internal personnel and standardize business operating procedures are currently urgent issues that need to be resolved.
Project Objectives
Strengthen the management of bank money transportation, improve the restriction and supervision mechanism, prevent and defuse financial risks, and prevent embezzlement and fraudulent collection. Business data such as collection records are made electronically to prevent forgery of vouchers.
Adopting method
The system uses a highly secure IC card as a voucher and data carrier in the cash transport and collection process. And the business data such as collection and handover records are electronically encrypted and stored in the IC card, and the handheld POS device is used for data collection and confirmation. And cooperate with the bank-side cash box transfer system to truly prevent the occurrence of illegal acts such as fraudulent collection and embezzlement.
Industry advantage
With more than ten years of excellent hardware handheld POS R&D, production, and integration experience, he is committed to the development of the financial industry, has accumulated a wealth of system integration experience, and has maintained close technical cooperation with customers in the Chinese financial sector for a long time. Our company has been paying close attention to the latest developments and exhibitions of science and technology at home and abroad for a long time. Our company has successfully implemented security systems at all levels for a number of banks and gained rich experience in development and implementation.
Secure data carrier-IC card
The system takes IC card technology as the core, writes the banknote vehicle information into the IC card and performs multi-level encryption to make it have a strong anti-counterfeiting function. It can act as the “electronic ID card” of the banknote vehicle and play a role in safety supervision. At the same time, it relies on network technology to establish a system that covers the post-surveillance of the entire banknote transport to realize the safety of bank money transport.
Large storage capacity: can store thousands of bytes of data;
High degree of confidentiality: The logic circuit controls access, and the card will lock itself if the number of password checks is exceeded;
Good security performance: the information in the card cannot be copied after being encrypted, and there is a hardware encryption circuit in the card;
Low network requirements: due to good confidentiality and security performance, there is no need for real-time networking to obtain authorization;
Convenient to carry and save: the size of a credit card, it can be carried with you, is not easy to damage, and is durable;
Simple reading and writing equipment: no signal conversion process, small size of the equipment, simple circuit, easy to maintain;
Durable, high reliability: almost unlimited reading and writing times, anti-magnetic and folding, not afraid of scratches;
System hardware diagram
System software and hardware configuration recommendations
hardware:
One host of the banknote transport system: 1 PC server
Banknote transport management system operator PC: equipped according to actual needs, using mainstream configuration PC
One host for card issuance and key management: the mainstream configuration PC can be used
Several line printers: meet system print output requirements
Encryption machine dual backup (optional): use commonly used financial data encryption machine, such as the product of General Staff 56
IC card handheld terminal: one for each bank, with a memory of more than 512k, with a backlit Chinese LCD display, battery-powered, with the function of inputting amount and transaction code
IC card: Use the CUP card that meets the PBOC standard provided by a foreign manufacturer. The recommended capacity is 8k. The card types include card issuing mother card, PSM card, and standard user card.
Necessary network equipment: the existing network environment can be used
software
A set of IC card issuance and key management system
A set of management software for IC card money transport system
A set of database system software
A set of IC card handheld terminal software
Several sets of WINDOWSUNIX operating system software
IC card type division, structure design
User cards are divided into four categories: super user cards, administrator cards, cash transport operator cards, and savings bank cards.
One Super User Card is issued for each secondary branch, which is mainly used to issue administrator cards.
The administrator card is kept in the branch authorized to distribute the money and is issued by the secondary branch through the super user card. In principle, each branch issues one and is held by the branch cashier manager. The card has the functions of issuing banknote transport operator cards, issuing bank cards, and authorizing banknote transport tasks.
The banknote transport operator card is a special card used by the designated handling personnel to handle the banknote transport work with the designated bank within a specified time after being authorized by the management card, and shall be kept and used by the relevant business personnel.
The savings bank card is a special card used by the savings bank to verify the legal identity of bank money transporters and confirm the amount of money transported. It is kept and used by the savings bank.
Design of Key Management System for Issuing Cards
“Tianshi Technology IC Card Key Management System” follows the “China Financial Integrated Circuit (IC) Card Specification” and “PSAM Application Specification”, which not only facilitates the current independent issuance of cards by banks, but also considers the development trend of universal compatibility of card systems. The design plan follows the following design principles:
The key management system adopts the 3DES encryption algorithm, and currently adopts a first-level management system to realize the safe sharing of public master keys;
On the basis of fully ensuring the security of the key, it supports the generation, export, injection, backup, restoration, update, service and other functions of the IC card key to realize the security management of the key;
Keys are subject to strict authority control, and different institutions or personnel have different permissions for operations such as reading, writing, updating, and using different keys;
Users can choose different configurations and different functions of the key management system according to actual needs;
The key service is generally provided in the form of a hardware encryption machine (optional);
The key is stored in the form of a key card or a hardware encryption machine, and the key backup can use a key card
About the author: Wu Zhijun, Beijing Tianshi Youlian Technology Co., Ltd.
[ad_2]
