JPH0926937A - Individual confirmation system in communication line transaction - Google Patents

Abstract

PROBLEM TO BE SOLVED: To surely confirm an individual by making a terminal equipment for confirming the individual respond to a question progression outputted from a host computer by computing a reply progression by an original conversion formula for the individual and performing confirmation by the propriety of the reaction. SOLUTION: An operator 4 on a system operator side makes the host computer 1 output one question progression corresponding to a customer 3 by the terminal equipment 13. The operator 4 reads the question progression and transmits it to the customer 3 by a telephone 12. An arithmetic operation is performed by the conversion formula for the individual and the reply progression is held inside the computer 1. The customer 3 inputs the received question progression to the terminal equipment 2 for confirming the individual, makes the arithmetic operation of the reply progression be performed by the conversion formula for the individual and transmits the obtained reply progression to the operator 4 by the telephone 11. The operator 4 inputs the reply progression to the computer 1 and the computer 1 compares the reply progression computed by itself with the inputted reply progression and confirms the individual when they match.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention, when performing financial transactions between a financial institution and a customer by using a communication line, such as home banking, confirms the customer himself / herself in place of a conventional seal stamp or bankbook. It relates to a confirmation system that can be performed.

[0002]

2. Description of the Related Art As a conventional personal identification means of this kind,
First, for dealing with relatively small transactions,
There is a confirmation system using a magnetic card and a personal identification number. For example, when a magnetic card is inserted into an ATM (automatic teller machine), the personal information recorded, such as name and account number, is read, and the host computer recognizes the customer himself / herself. Is done.

When the personal identification number is input by the customer at the time when the personal identification is performed on the host computer side, the input personal identification number is registered in advance and stored in the host computer. The host computer responds to transactions such as deposits, withdrawals, transfers, etc. by comparing with the personal identification number that is present, and if they match, it is confirmed with the customer himself.

Further, as a system for dealing with a relatively large-scale transaction, there is a confirmation system for lending a dedicated terminal device to a customer, and the dedicated terminal device is a host when a connection is made such as a digital line. It is supposed that the dedicated terminal, that is, the customer himself / herself can be confirmed by using a line through which the telephone number of the dedicated terminal can be confirmed from the computer side or by transmitting the ID number when the dedicated terminal is connected.

[0005]

However, in the above-mentioned conventional confirmation system, the magnetic card and the personal identification number require the customer to go to the place where the ATM or the like is installed, which can be quite a home banking. In addition, the magnetic card is relatively easy to read the recorded contents, and the personal identification number has a strong tendency to select a number sequence that the customer himself can remember, for example, his or her birthday. Therefore, the confidentiality is low, which causes a problem that it is easily abused by others.

In addition, since the result by the dedicated terminal device is to identify the dedicated terminal device, it is not possible to identify even the person operating the dedicated terminal device.
For example, when an operation is performed by an unauthorized person, the operation cannot be eliminated, and similarly to the case of the magnetic card or the personal identification number, there is a problem that misuse by another person is likely to occur.

In addition, by renting a dedicated terminal, the confirmation system itself becomes expensive, which causes a problem that the system operator side such as a financial institution has a heavy burden. For example, it must be fixedly installed in offices, homes, etc., for example, there is a problem that transactions from outside become impossible and mobility is impaired,
Resolving these points has become an issue.

[0008]

As a concrete means for solving the above-mentioned conventional problems, the present invention comprises a host computer and a portable personal identification terminal,
The host computer stores a plurality of personal tables combining a personal conversion formula assigned as a specific formula for each customer and a question number sequence table configured by a predetermined number of random number sequences of arbitrary digits. A question for selecting a table storage means and the personal table corresponding to the customer from the plurality of table storage means in response to a customer's access from the outside and outputting a predetermined question number sequence from the question number sequence table in the personal table An output means and an internal answer number sequence for calculating the question number sequence by the personal conversion formula in the personal table, and an internal answer number sequence and an external answer number sequence from the personal identification terminal corresponding to the question number sequence A determination means for determining correctness by matching is provided, and the personal identification terminal is provided with a sequence of questions from the host computer by an appropriate operation. A question input means to be input in the personal identification terminal, and an answer to output an external answer number sequence obtained by calculating the question number sequence input by the question input means with a personal conversion formula held in the personal identification terminal. Output means is provided, and the host computer outputs the question number sequence by the question output means to the access of the customer who possesses the personal identification terminal, and the personal identification terminal corresponding to this output outputs external data. The problem is solved by providing a principal confirmation system in a communication line transaction, which is characterized in that the judgment means determines whether the answer sequence is correct or not.

[0009]

BEST MODE FOR CARRYING OUT THE INVENTION Next, the present invention will be described in detail based on an embodiment shown in the drawings. FIG. 1 shows a configuration of a personal identification system in a communication line transaction according to the present invention, which basically comprises a host computer 1 and a personal identification terminal 2, and the host computer 1 and the personal identification terminal. When confirming the customer 3, the machine 2 is directly or indirectly connected by the communication line 10 such as a telephone line.

At this time, the host computer 1 has a structure similar to the conventional one having a function of performing operations such as deposit, withdrawal, and transfer. However, according to the present invention, in addition to the above functions, the question number sequence table QT and the individual A plurality of table storage means for storing a plurality of personal tables IT including the conversion table FX for personal use are provided, and when there is an access from the personal identification terminal 2, a specific table assigned to the personal identification terminal 2 is accessed. It is supposed that the personal table IT is extracted and the processing described later is performed.

FIG. 2 illustrates the personal table IT. The question number sequence table QT is composed of a predetermined number, for example 100, of a question number sequence QN consisting of an arbitrary digit, for example, a 6-digit random number sequence. In generating the question number sequence QN, for example, a random number generator that generates a random number of 6 digits may be operated until each question number sequence QN reaches a predetermined number.

The personal conversion formula FX is a calculation formula for obtaining the answer sequence AN from the question sequence QN, and the answer sequence AN is, for example, (answer sequence AN) = (question sequence QN).
× Individual constant X1) + (Question sequence QN × Individual constant X2) +
(Question number sequence QN x individual constant X3) + (Question number sequence QN x individual constant X4)

At this time, the individual constants X1 to X4 described above are used.
Is assigned as a different numerical value to each of the customer 3 who is a customer. Therefore, even if the same numerical value is given as the question number sequence QN, the answer number sequence obtained by using the personal conversion formula FX is obtained. The AN is different for each customer 3.

Further, the individual constants X1 to X4 do not necessarily have to be fixed, for example, the individual constants X1 to X4.
The individual constant X4 in X4 may be set as a numerical value that is peculiar to the customer 3 such as the number of days after the customer 3 was born, and that changes with regularity. The expression FX is made more difficult to decipher.

Further, since the personal conversion formula FX is not intended to obtain a mathematically accurate answer, if a 6-digit number sequence is to be obtained as the answer number sequence AN, for example, when performing multiplication. In addition, the calculation may be omitted for the lower 6 digits or more, and the calculation may be performed by ignoring the carry when adding.

The personal conversion formula FX does not necessarily have to be constructed as a mathematical formula by addition, subtraction, multiplication and division as described above, but may be constructed as a quadratic function formula, and further, a trigonometric function or the like. May be used as long as the answer number sequence AN can be obtained.

3 and 4 show the personal identification terminal 2 described above.
This personal identification terminal 2 is carried by the customer 3 side, and as shown in FIG. 3, a keyboard section 21 on which 0-9, corrections, confirmations, etc. are displayed as question input means. And a liquid crystal display section 22 for displaying numbers or characters as an answer display means.

As an internal configuration, as shown in FIG. 4, a storage element 23 in which a personal conversion formula FX including the individual constants X1 to X4 is stored, and a question number sequence QN are input from the keyboard section 21. And the answer sequence AN corresponding to this is calculated using the personal conversion formula FX, and the liquid crystal display unit 22
The microcomputer 24 for displaying the name of the customer 3 who owns the terminal 2 for confirming the identity, the account number, the personal identification number, etc. are stored in the storage device 2 if necessary.
It is recorded using 3.

Next, a procedure for operating the identity verification system of the present invention having the above-mentioned configuration will be described by way of an example of transaction by telephone (voice). As shown in FIG. 1 and FIG. 5, the customer 3 requests a transaction by telephone 11 (step SU-0.
When 1) is performed, the operator 4 on the system operator side receives the request by voice (step SS-01), and the terminal 1
3 inputs the customer number GN to the host computer 1 (step SS-02) and extracts the personal table IT corresponding to the customer 3 (step SS-0).
Perform 3).

On the other hand, the customer 3 side waits for the transmission of the question number sequence QN from the operator 4, but in this embodiment, the personal identification terminal 2 is provided with a personal identification number confirmation means. Therefore, the personal identification number MN is input from the keyboard portion 21 (step SU-02) prior to the input of the question number sequence QN.

When the personal identification number MN is input, the personal identification terminal 2 stores the personal identification number M stored in advance.
By comparing with N, it is judged whether or not the inputted personal identification number MN is correct (step SU-03), and if it is correct, the input waiting state of the question number sequence QN (step SU).
-04) enables the subsequent operation.

The personal identification number M entered at this time
If N is incorrect, the personal identification terminal 2 allows re-entry up to three times (step SU-05). If the correct personal identification number MN is not entered within these three times, for example, for personal identification. The accident mode is set (step SU-06), such as disabling the terminal 2. Therefore, unauthorized use such as requesting a transaction by a person other than the customer 3 who has picked up the personal identification terminal 2 is eliminated at this point.

The terminal 1 on the host computer 1 side
3 is provided with an appropriate question output means such as a display,
One question sequence QN from the extracted personal table IT
Is output (step SS-04). At this time, the host computer 1 does not output the question number sequence QN output to the customer 3 in the past, so that the answer number sequence AN cannot be predicted.

In the present embodiment, the question number sequence QN is transmitted to the customer 3 by voice through the telephone 12 of the operator 4 who has read the display or the like (step SS-05) and is stored in the personal table IT. The calculation (step SS-06) is performed using the personal conversion formula FX
It is assumed that the answer sequence AN is held in the host computer 1.

On the other hand, the customer 3 who has received the question number sequence QN (step SU-07) inputs the question number sequence QN to the personal identification terminal 2 using the keyboard 21 (step SU).
―08) Then, the answer sequence AN is sent to the personal identification terminal 2.
Is performed (step SU-09), and the obtained answer number sequence AN is transmitted to the operator 4 by the telephone 11 (step SU-10).

Upon receipt of this, the operator 4 receives the answer sequence A
Input N to the host computer 1 (step SS-0
7) Then, the host computer 1 compares the answer number sequence AN calculated by itself with the input answer number sequence AN (step SS-08), and when they match, confirms the person (step SS-09). Then, the transaction is started, and when they do not match, the accident mode is set (step SS-10).

At this time, the terminal 13 displays the answer sequence AN held in the host computer 1,
The operator 4 may make a comparison with the answer sequence AN transmitted from the customer 3, but in this case, since there is a possibility that the operator 4 may make an error, the comparison with the host computer 1 is made as described above. It is preferable to make the determination from the viewpoint of accuracy.

In the embodiment described above, the contact between the customer 3 and the operator 4 is described as being performed by voice, but the present invention is not limited to this. For example, FIG. As shown in FIG.
A modem 25 and a line connection terminal 26 are provided to connect to the communication line 10 (see FIG. 1), and a customer number GN and a personal identification number M
All or part of N, the question number sequence QN, and the answer number sequence AN may be directly transmitted.

At this time, the above-mentioned answer sequence AN can be confirmed, and at the host computer 1 side,
It can be confirmed from the state at the time of connection that the personal identification terminal 2 is actually present, and the accuracy in confirming the customer 3 can be further improved.

As described above, in the personal identification system of the present invention, by possessing the personal identification terminal 2, the confirmation of the customer 3 is performed via the communication line 10 or the like like a conventional seal stamp. Therefore, it is possible to eliminate the illegal transaction by another person by performing the same degree of control as that performed by the customer 3 for the seal stamp or the like that the customer 3 has conventionally used in this type of transaction.

Further, since the personal identification terminal 2 is a tangible object, the customer 3 immediately recognizes it when it is lost or stolen, and promptly takes measures such as reporting an accident. Yes Compared to a system where it is difficult to know that someone is plagiarizing, it reduces the possibility of an accident.

Further, in the identification system of the present invention, the answer number sequence AN is obtained for the question number sequence QN by the unique personal conversion formula FX in the identification device 2. Initially, when the customer 3 is provided with the personal identification terminal 2, the personal identification number MN, personal conversion type FX
Need only be set, and other information need not be stored.

Therefore, as a system operator, after the personal identification terminal 2 is supplied, for example, even when the question number sequence QN of the personal table IT in the host computer 1 is used up, the host computer 1 side simply It suffices to add the information, and the personal identification terminal 2 does not need to update information at all and simplifies maintenance.

[0034]

As described above, according to the present invention, a host computer and a personal identification terminal are provided, and the personal identification terminal responds to the number of questions output from the host computer with its own personal conversion formula. An extremely effective effect that ensures identity verification by using a identity verification system that calculates and responds to a number sequence and confirms based on the correctness of this response, and that makes transactions secure and smooth even when using a communication line. Is played.

Further, with the above configuration, the personal identification terminal can be made as small and lightweight as an electronic desk calculator commonly referred to as a card calculator.
In addition to improving portability and maneuverability, this personal identification terminal device can be manufactured at an extremely low cost, and has an excellent effect of reducing the burden on the system operator.

Furthermore, since the personal identification terminal is a tangible object, unlike the conventional personal identification number, the customer can clearly recognize the loss or theft and promptly take measures such as notifying the accident. Also in this respect, the excellent effect of improving the safety can be achieved.

[Brief description of drawings]

FIG. 1 is a schematic wiring diagram showing an embodiment of an identity verification system in a communication line transaction according to the present invention.

FIG. 2 is an explanatory diagram showing an example of a personal table in the same embodiment.

FIG. 3 is a front view showing the external appearance of the personal identification terminal of the same embodiment.

FIG. 4 is a block diagram showing an internal configuration of the personal identification terminal.

FIG. 5 is a flow chart showing a confirmation procedure of the identity confirmation system in the communication line transaction according to the present invention.

[Explanation of symbols]

 1 ... Host computer 2 ... Identification confirmation terminal 21 ... Keyboard section 22 ... Liquid crystal display section 23 ... Memory element 24 ... Microcomputer 25 ... Modem 26 ... Line connection terminal 3 ... Customer 4 ... … Operator 10 …… Communication line 11,12 …… Telephone 13 …… Terminal GN …… Customer number MN …… PIN number QN …… Question number sequence AN …… Response number sequence IT …… Personal table

Claims (3)

[Claims] 1. A host computer and a portable personal identification terminal, wherein the host computer has a personal conversion formula assigned as a specific formula for each customer and a predetermined number of random number sequence of arbitrary digits. In the multi-table storage means, there is provided a multi-table storage means for storing a plurality of personal tables in combination with a question number sequence table composed of a plurality of individual tables, and the personal table corresponding to the customer's access from the outside. A question output unit for outputting a predetermined question number sequence from the question number sequence table in the personal table, and an internal answer number sequence for calculating the question number sequence by the personal conversion formula in the personal table. A judgment means for judging whether the number sequence and the external number sequence from the personal identification terminal corresponding to the question number sequence are correct or not is provided. The authorization terminal has a question input means for inputting the question number sequence from the host computer into the personal identification terminal by an appropriate operation, and the question number sequence input by the question input means in the personal identification terminal. And an answer output means for outputting an external answer number sequence obtained by calculation with a personal conversion formula stored in the host computer, the host computer having the question output means for the access of the customer who possesses the personal identification terminal. A personal identification system in a communication line transaction, wherein the personal identification is performed by outputting a question number sequence according to the above, and determining the correctness of the external response number sequence by the personal identification terminal corresponding to this output by the determination means. 2. The personal identification terminal is provided with a personal identification number confirmation means for determining whether the personal identification numbers input by the question input means are correct or not, and after the personal identification number confirmation means determines the coincidence. The personal identification system in a communication line transaction according to claim 1, wherein the question input means and the answer output means are operable. 3. The personal conversion formulas provided in the host computer and the personal identification terminal include, in part, variable formulas that change based on a predetermined standard. Alternatively, an identification system in the communication line transaction according to claim 2.