JPH0238974B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a terminal device for diplomats, and more particularly, to a terminal device for diplomats that can be connected to a bank online system via a general subscriber telephone line.

BACKGROUND ART Conventionally, for example, in banks, online processing of deposit operations (payment of ordinary deposits, current deposits, time deposits, deposits, etc.) has been performed only at the counter of a branch office. In the banking online system, the deposit ledger is centrally managed in a magnetic file at the center, and the magnetic file is directly accessed by key-inputting data from an online terminal installed at each counter. With this system, you can already check your deposit balance, so you can make deposit transactions from any branch other than the bank where you made the deposit, and bookkeeping can be done automatically by simply setting your passbook on an online terminal. To streamline banking operations and make them more powerful,
This greatly contributes to improving customer service. Additionally, the above system enables various automatic transfers and is useful for expanding banking operations. A related example of this type of system is, for example, Rippon's ``Comprehensive Banking System'' (Vo1.55, No.
11P1149-1154, 1973.11).

However, in addition to counter services at branches, banks also provide customer service through home visits by bank representatives. The services provided by this diplomat include making deposits,
The main activity is payment, and often involves bookkeeping for deposit transfers.For this reason, a bank representative receives a bankbook from a customer, returns to the branch, performs the bookkeeping work using the online terminal, and then repeats the above process again. It was necessary to visit the customer in order to return the passbook to the customer.

The work carried out by the above-mentioned diplomats is not only time-consuming, but also requires that during the time delay before returning to the branch to perform bookkeeping duties, the customer may wish to withdraw the deposit from another location, or the customer may This has been a problem in cases where banking services are urgently needed, and has been left behind in the trend of streamlining banking operations online.

An object of the present invention is to provide a terminal device for streamlining the work of the above-mentioned diplomats, so that the diplomats can carry the terminal device with them at their clients' homes or other locations, and use the online data processing system while on the go. In addition to being able to communicate with each other, the purpose is to take measures to prevent misuse.

DESCRIPTION OF THE PREFERRED EMBODIMENTS The terminal device for diplomats according to the present invention will be described below with reference to the drawings, taking a bank's online system as an example.

FIG. 1 is a diagram showing the overall system configuration that combines a bank online system and a terminal device of the present invention, in which 1 is a data processing system at a center, 2 is a data processing system in a center;
3 shows the terminal system of the sales office, and 3 shows the terminal system of the sales representative. The data processing system 1 of the center is
A data file 10 that centrally manages customer deposit account data, and a data processing device 1 that accesses the data file 10 and performs various calculation processes.
1, and a communication control device (MODEM) 12 for connecting the terminal system 2 of each branch to the data processing device 11.

The terminal system 2 of the branch is the data file 1
A counter device 21 operated by a clerk to access 0 and make entries in a passbook, a terminal control device 22 for smoothly controlling communication with the center by a plurality of counter devices, and a communication control device 23. The communication control device 23 connects to one of the communication control devices on the center side via a communication circuit (specific telephone line) 4.
It is combined with one.

A communication control device 24 for the sales agent system is installed in the branch terminal system 2 connected to the terminal control device 22, and this communication control device 24 can be called from a general subscriber telephone via the telephone line 5. Can be done.

The agent terminal system 3 is composed of a terminal device 40 carried by the agent and a subscriber telephone 30 at the customer's home. When a sales representative performs a deposit service at a customer's home, the control device 2
4, confirm that it is connected to the terminal control device 22 of the branch, and then press the telephone receiver (transmitter).
31 is coupled to the acoustic coupler section 41 of the diplomat terminal 40.

The diplomat terminal device 40 is of a size that can be carried by a handle 46, as shown in FIG.
1 and the device; a keyboard 42 for inputting data operated by a diplomat; a data display section 43; reading data recorded on a magnetic stripe attached to a bankbook; Alternatively, it is provided with a magnetic data reading/writing section 44 for writing, and a printing section 45 for printing unrecorded transaction data on the opened bankbook 6, and a control circuit for controlling each of these sections.
The function of the control circuit is the counter device 21 at the branch.
It is similar to , and in terms of data processing speed, it may be slower than the above-mentioned counter device.

The acoustic coupler 41 has an external shape that is compatible with the handset, and when the handset is placed on it, two types of oscillation sounds, high and low, corresponding to binary codes "1" and "0" are transmitted between the handset and the agent's terminal. Send and receive data to and from the device. As shown in FIG. 3, the keyboard 42 includes a plurality of buttons for inputting various characters or function signals.

The data display section 43 is made of, for example, a liquid crystal element, and visually displays data input by the sales representative, data sent from the sales office, or contents of operation instructions. In the example of FIG.
a, and a magnetic head (not shown) provided inside facing this groove, and when a clerk inserts the end of the bankbook and moves the magnetic stripe of the bankbook along the groove, It is now possible to read or write magnetically recorded data.

The printing unit 45 prints on the bankbook and, if necessary, the journal. Various types of printers can be used for the printing device, but in order to reduce the size and weight, for example, thermal paper that can be printed with a thermal head is used as journal paper, and ink coated on the back side of the thermal journal paper is used for the bankbook. It may be in a thermal transfer format.

FIG. 4 is a diagram showing the overall configuration of the control circuit in the diplomat terminal device 40. In the figure, 41~
Reference numeral 45 indicates each element of the above-mentioned acoustic coupler or printing section, and reference numeral 60 indicates a program controllable data processing device such as a microcomputer;
61 to 65 are interface circuits between the respective elements 41 to 45 and the data processing device 60; 66;
67 is a read-only memory for storing programs or fixed data necessary for control operations by the data processing device, and 67 is a random access memory for temporarily storing working data.

Data processing device 60 and each interface circuit 6
1 to 65 and memories 66 and 67 are interconnected by an information bus 68, and the data processing device 60 responds to data entered by an agent from the keyboard 42 or from the center side received via the acoustic coupler 41. , the display section 43, the magnetic data reading/writing section 44, and the printing section 45. Note that each of the above interface circuits is connected to the data processing device 60.
It is equipped with a decoder that decodes I/O address data or operation control data from, a data conversion circuit that performs predetermined data conversion between input and output data, etc., such as an acoustic coupler interface circuit 6.
1 converts parallel data on the data processing device side into serial data during transmission and outputs it to the acoustic coupler, and conversely converts serial data into parallel data and outputs it to the data processing device during reception.

By the way, one of the important matters to be considered in the terminal device 40 for diplomats is the problem of power consumption of the terminal device. This is because when operating on batteries for mobile purposes, it is necessary to minimize the frequency of battery replacement due to the weight and cost of batteries, and when using rechargeable batteries, the power consumption is reduced to reduce the number of charging times. This is because it is required.

In the circuit shown in FIG. 4, 70 is a power supply section, and each of the operating elements 41-45, 60-65 is supplied with necessary power from the power supply section via wiring 75.
According to the present invention, power is selectively supplied to the acoustic coupler 41 among the operating elements by the circuit 71 only for a specific period.

In the case of the above terminal device, the power consumption of the keyboard 42, display section 43, and magnetic data reading/writing section 44 is extremely low. Furthermore, since all printer devices in the printing section 45 operate digitally, there is almost no power consumption except when an operation control signal is applied from the data processing device 60. However, since the acoustic coupler section 41 operates in an analog manner (class A operation), if it is always connected to the power supply section 70, a current will always flow even when there is no operation control signal from the data processing device 60. Power consumption becomes large.

For example, as shown in FIG.
A transistor Q ₁ is inserted in series with the wiring 75 for supplying power from the data processing device 60 , and a transistor Q ₂ is connected between the base of the transistor Q ₁ and _the wiring 75 . It is configured to be controlled by a control signal 76. In this way, when transistor Q ₂ is in the off state, transistor Q ₁ is turned off, so
Power consumption in the acoustic coupler section can be avoided during the period when the control signal 76 is not output.

Power is selectively supplied to the acoustic coupler 41 during the operation of the diplomat terminal device 40, for example, as shown in FIG.

In FIG. 6, A is the operating procedure of the diplomat, B is the ON period of the main power supply 70, C is the energization period to the acoustic coupler, D, E, F, G are the key reading operation, respectively.
It shows a data display operation, a magnetic stripe reading operation, and a data output operation to a passbook.

The diplomat turned on the power switch 72 at _A1 ,
A In ₂ , enter the PIN number known only to the diplomat to prove that you are an authorized operator. This password is input by operating the keyboard 42, and as a modification, an ID magnetic card owned by the diplomat may be read into the magnetic stripe reader 44.

At _A3 , in order to input the customer's account number and confirm the account, the sales representative inserts the magnetic stripe of the bankbook given to him by the customer into the reader 44, passes it through the reader 44, and inputs the magnetic data. In _{step 4} , the transaction item and transaction amount are input using the keyboard 42.

After completing these operations, the sales representative dials the phone at the customer's home and calls TCE via the branch's communications control terminal (A ₅ ). After confirming the connection with TCE by voice guidance from the branch, connect the handset to the acoustic coupler 41 (A ₆ ),
Turn on the power to the acoustic coupler.

The diplomat terminal transfers data to the TCE at _C1 . The data transferred at this time includes the agent's ID code, customer's account number, terminal number, transaction type, transaction amount, etc. When the TCE receives data from the diplomat's terminal, it sends these data to the center. Until the data from the center is returned to TCE, the diplomat's terminal is in a waiting state. For this reason, the diplomat's terminal temporarily turns off the power to the acoustic coupler and then turns it on at regular intervals as shown in C ₂ and C ₃ to monitor the state of the TCE.

In the above operation, if the TCE has already received data from the center, data is transmitted from the TCE to the agent terminal during the _C4 period. The received data includes account balances, unrecorded data, etc., and the diplomat's terminal device prints this data on the passbook ( _G1 ), and then the power is turned off by the diplomat's operation. and close the transaction (A ₇ ).

FIG. 7 shows the data transmission procedure between the diplomat terminal and the TCE performed in C ₁ and C ₄ . A indicates the TCE, B indicates the diplomat's terminal, and C indicates the power status of the acoustic coupler.

The terminal issues an inquiry signal ENQ to the TCE, and in response, the TCE returns an acknowledgment signal ACK. If you are unable to receive data from your device,
Returns a negative acknowledgment signal NAK. When the terminal receives the ACK signal, it sends transaction data DATA1 such as account number.
Send to TCE. Upon receiving this data, TCE
The terminal issues an ACK signal, and when there is no more data to send, it issues a transmission end signal EOT. TCE
checks the received data and sends the result to the terminal as DATA ₂ . If DATA ₂ indicates that the data sent from the terminal was normal, the terminal issues an ACK signal, and in response to this, the TCE issues an EOT signal and ends the communication. If DATA ₂ indicates an error in the transmitted data, retransmission measures are taken depending on the type of error.

When sending balance data from TCE to the diplomat's terminal in C ₄ , these data are included in DATA ₂ .

Next, referring to FIGS. 8 to 10, a circuit for preventing unauthorized use of the above-mentioned diplomat terminal device will be explained.

An important problem with the diplomat terminal device is how to prevent its misuse, since the device is operated outside the bank.

In order for this device to be used correctly, it is necessary to satisfy both (i) confirmation of the operator (diplomat) and (ii) confirmation of the authorized customer, and only after these two points are confirmed. A configuration is required that enables the start of deposit business operations.

(i) There is a method for confirming the operator (diplomat) by loading a unique medium owned only by the operator into the diplomat's device and inputting a code memorized only by the operator from the keyboard.

(ii) The same method as (i) can be used to confirm authorized customers.

As this unique medium, a card with a magnetic stripe, a card using an infrared-infrared phosphor, etc. can be used. Passbooks with magnetic stripes can also be used for customer identification. A code that is memorized only by the person operating the device, such as a diplomat or a customer, is called a PIN code.

If this validity is not canceled after both parties have been confirmed and the deposit operation has started, there is a risk that the device will be misused.

As a method for canceling this, the method described above can be considered.

(i) Detection of disconnection from the acoustic coupler of the telephone receiver (ii) Predetermined time after confirmation (iii) Completion of one deposit transaction An embodiment of the abuse prevention circuit will be described below. FIG. 8 shows a conceptual diagram of the abuse prevention circuit. 10
0 is an operator confirmation circuit. 200 is a customer confirmation circuit for confirming authorized customers. When the operator confirmation circuit 100 confirms that the operator is an authorized operator, a confirmation signal 406 from the circuit 100 causes an operator confirmation flip-flop (hereinafter referred to as F/F) 401.
Set.

Similarly, when the customer confirmation circuit 200 confirms that the customer is an authorized customer, a confirmation signal 407 is sent from the same circuit 200.
The customer confirmation F/F 402 is set. Only when both F/Fs 401 and 402 are set,
AND403 outputs a deposit service start signal 404. When F/F is set on only one side
AND403 does not output the deposit service start signal 404.

As a method for canceling validity, a case will be explained in which (ii) a predetermined period of time after confirmation is used is adopted. A timer in the validation canceling circuit 300 is activated by the deposit service start signal 404. After a predetermined time has elapsed since the timer started, the timer sends a valid release signal 4.
05 and reset both F/Fs 401 and 402. Due to this validation cancellation signal 405, the deposit service start signal is also no longer output.

FIG. 9 shows a block diagram of the operator confirmation circuit 100.

The operator (diplomat) uses the keyboard 42 to output his or her public name code and a password memorized only by the operator. At this time, it is better to output the public name code to the display 43,
The password is not output to the display 43. The name code and password entered through the keyboard are passed through the keyboard interface circuit 101 and set in the name code register 102 and the password register. Inside the diplomat terminal device,
The diplomat's PIN number for the diplomat name code is stored in the diplomat name table 103. In fact, the name code and password are binary encoded and stored in non-volatile memory. Diplomat name table 1
Refer to 03 and enter the PIN number from the name code of the operator who entered the keyboard into the regular PIN register 1.
Set to 06. Regular PIN register 106
The input PIN number register 104 is compared by the PIN comparison circuit 105. If the contents of both registers match, a match signal is output. If the contents of both registers do not match, a mismatch signal is output.

If there is a mismatch, the ERROR register 107 is set and the number of error attempts in the diplomat name table 103 is increased by one. If there is a match, CLEAR
Register 108 is set and the number of error attempts in table 103 is cleared to zero. The error attempt count value is used to prevent entering a large number of incorrect PIN numbers. ERROR register 107 and CLEAR register 108 are set by changing the number of error attempts in the table.

FIG. 10 shows a block diagram of the customer verification circuit 200. The processing of the personal identification number is almost the same as that of the operator confirmation circuit 100. However, it is better to use a small keyboard 42a that can be pulled out from the diplomat terminal device instead of using the keyboard of the diplomat terminal device as the input keyboard for the password. The customer is asked to input their personal identification number using this small keyboard 42a. In the customer confirmation circuit 200, the account number of the customer's bankbook is used instead of the name code of the operator confirmation circuit. The account number is sent to the magnetic stripe interface 2 from the magnetic stripe reader/writer 44.
01 to the account number register. The customer table 203 stores a password corresponding to the customer's account number and the number of error attempts.

With the method described above, even if the diplomat terminal device is stolen, the operator verification device will not be activated and the device cannot be misused. Furthermore, it becomes impossible for a sales representative to process a customer's account without telling the customer.

After activating the customer identification device, leave the customer's home and
Even if an attempt is made to exploit the account when the customer is not present, account processing will not be possible due to the deactivation action.

Furthermore, in the above-mentioned apparatus, it is also possible to prevent the above-mentioned apparatus from operating when the operator and the customer are the same person.

In the customer confirmation circuit 200, instead of inputting a personal identification number, the customer can be confirmed based on the customer-specific information shown below.

(i) Press the stamp onto paper and scan it optically to input the optical image.

(ii) Stamp the pressure plate and input the pressure image.

(iii) make the customer speak certain words and input audio signals;

(iv) Optically scan the fingerprint to input an optical image.

(v) Press your finger against the pressure plate and input the pressure image of the fingerprint.

In this case, 204 is an interface circuit with each sensor, and 205 is a memory that stores pattern signals obtained from each sensor. The password of the customer table 203 also serves as a memory for storing pattern signals input in advance. 206 is a pattern matching circuit that recognizes whether the two patterns match or do not match.

[Brief explanation of drawings]

FIG. 1 is a system configuration diagram showing the combination of a bank online system and a terminal device according to the present invention, FIG. 2 is an external perspective view of the terminal device according to the present invention, and FIG.
FIG. 4 is a block diagram showing the overall configuration of the control circuit of the terminal device, and FIG. 5 shows an example of the circuit 71 in FIG. 4. 6 is a time chart for explaining the operation of the terminal device, and FIG. 7 is a time chart for explaining the operation of the terminal device.
The figure is an explanatory diagram of the communication procedure between the terminal device and the bank system, FIG. 8 is a block diagram showing the circuit configuration for preventing abuse of the terminal device, and FIGS. 9 and 10 are the blocks 100 and 100 in FIG. 200 is a diagram for detailed explanation of FIG. In the figure, 1 is a center data processing system, 2 is a fulcrum terminal system, 3 is an agent terminal system, 40 is an agent terminal device, 41 is an acoustic coupler, 42 is a keyboard, 43 is a data display unit, 4
4 is a magnetic data reading section, and 45 is a passbook printing section.

Claims (1)

[Scope of Claims] 1. A terminal device for a sales representative who connects to an online data processing system for conducting customer transaction operations via a telephone line from his/her location and conducts transaction operations online, which a data transmitting/receiving means for transmitting/receiving data necessary for the customer transaction operations, an input means, and the above-mentioned sales representative based on the data for identifying the sales representative inputted from the input means and the data stored internally in advance; at least a confirmation means for confirming the legitimacy of the agent, and if the legitimacy of the diplomat is not confirmed by the confirmation means, customer transaction operations using the terminal device and the online data processing system are prohibited. A terminal device for diplomats, which is characterized by: 2. Furthermore, the validity of the customer is confirmed based on the data for identifying the customer entered from the input means, and if the validity is not confirmed, the terminal device and the online data processing system are used to confirm the validity of the customer. A terminal device for an agent according to claim 1, characterized in that the terminal device is configured such that customer transaction operations cannot be performed. 3. When both the legitimacy of the above-mentioned diplomat and the above-mentioned customer are confirmed, customer transaction operations can be conducted using the terminal device and the above-mentioned online data processing system, and furthermore, after the above-mentioned customer transaction operations are completed, the above-mentioned 3. A terminal device for a diplomat according to claim 2, characterized in that the confirmation of authenticity of the diplomat and the customer is canceled. 4. The terminal device for an agent according to claim 3, wherein confirmation of the legitimacy of the agent and the customer is canceled after a predetermined time from the start of the customer transaction. 5. The terminal device for diplomats according to claim 3, wherein confirmation of the validity of the diplomat and the customer is canceled in response to cancellation of the telephone line.