FR2514592A1 - METHOD AND DEVICE FOR CONSULTING DATA FILES AND / OR BANKING TRANSACTIONS, PRESERVED FROM FRAUD THANKS TO A COMMUNICATION PROCESS BY RANDOM VARIABLE - Google Patents

Abstract

The invention relates substantially to a terminal (1) allowing to effect at home and in relation with a central organization (42), through a telecommunication network T, banking transactions and queries. The transmissions of data between the device (1) and the central organization (42) are effected confidentially according to a coding method by random variable (t) based on the time by means of a hybride circuit (76). The device (1) further comprises an electronic printer (100') printing on photosensitive paper, at the end of each banking transaction, an inviolable proof ticket (170) and further allows to settle one's bills by means of a detachable magnetic module (81) issued from said bill and read by a sub-assembly (79) of the device (1).

Description

The present invention relates firstly to a new telecommunication method allowing an individual to perform remotely, in particular from his home or a public place such as a hotel or an airport terminal,
- on the one hand, banking operations such
. a direct transfer to his bank,
the payment of an invoice,
. consulting your bank position
and more generally any banking operation requiring
usually a trip to a counter,
- on the other hand, commercial operations such
a reservation,
. An order,
. a commercial promotion,
- in addition, documentary consultation of files
specialized
- and finally communication of documents between individuals.

 It also relates to a device and various accessories ensuring the effective implementation of this process.

 It has long been known to use the telephone network to transmit documents remotely between individuals.

 TELEX is the most common application for this use. It allows a print to be sent to an interlocutor almost instantly and at lower cost.

 More recently, attempts have been made to make privileged individuals available to public or private databases via "screen terminals".

Some of these devices are notably equipped with magnetic badge readers in order to limit their access to "authorized" subscribers
We can cite in this case experiences concerning the consultation of telephone directories and general data on cathode screens, thanks to the link with a central site delivering this data via the telephone network.

 In addition, certain types of sophisticated and uncommon materials perform the optical reading of a document, its transfer by the telecommunications network and its provision to a contact after copying using a printer.

 All these methods of transmitting information only provide ad hoc solutions to the problem of individual communication.

 In addition, in the banking field, the consultation by an individual of his account situation is at the same time long, painful and random. Indeed, the bank generally sends him a periodic statement of his account by post, but this only represents a past situation. In the best of cases, the instant consultation of his account requires the trip to a counter equipped with a terminal linked to a central banking site and capable of delivering information concerning this account at the request of an operator. These difficulties cause considerable loss of time for individuals and oblige them to carry out very tedious accounting if they wish, very legitimately, to be constantly in possession of the instant statement of their account. This statement is moreover often inaccurate, to their disadvantage, since it is impossible for them to predict exactly the settlement dates of their creditors.

 This same situation subjects the banking organizations to internal personnel charges to ensure the periodic sending of their statements of accounts to customers and, moreover, to respond to their numerous requests for instant consultations in the counters.

In addition, the current conditions for payment of invoices by postal check,
- on the one hand, oblige debtors, creditors and bankers and
accounting efforts involving significant costs
- and, on the other hand, impoverish the economy by depriving this
last of considerable masses of "floating" money being allocated.

 To date, no simple, inexpensive device is known allowing individuals to instantly carry out consultations and banking operations at home or in public places while being surrounded by all the necessary security conditions.

 It will clearly be understood that the only way to carry out such a home banking function is to use a device linked, via the telecommunications network, to one or more central sites capable of collecting and distributing the necessary information. to these consultations and to carry out the accounting operations that must accompany each transaction.

 But we also realize that such a device must personalize the information and services it provides.

 It is important, in particular, that the position of a bank account be issued only to its holder to respect the rigor of bank secrecy.

 It is also necessary that banking organizations can verify the identity of the users of such a device and ensure the legitimacy of the transaction orders received.

 Finally, each bank transaction must be accompanied by the supply to the debtor of "proof of completion", both to enable the latter to assure his creditor and his bank in good faith; following a possible settlement, and to serve as an accounting document to keep in his files.

 There are several simple ways to personalize the services delivered by a device.

 The simplest is to individualize the device, that is to say, to make it only available to individuals who must use it.

 According to a more recent process, used in particular to give access to a collective garage to its various co-owners, a badge is distributed to each "authorized" user and each access device is provided with a reader of these badges which ensures activation of this device only when a badge is inserted. But one of the shortcomings of this type of device is that it does not protect against fraudulent users of stolen badges.

 This is the reason why an improvement to the previous identification process, used in particular to give access to a public ATM, consists in giving each "authorized user" both a secret identification code and a badge supporting information allowing each device to deduce this secret code identifying the legitimate holder. During each request, the user must insert his badge inside a reader which deciphers it and isolates the theoretical identification code of the holder. In addition, he must sign his identification code, in particular on a keyboard. The device performs the comparison and only authorizes access to its services if the theoretical code and the signified code match.

 This type of verification is very effective and allows the device to be assured of the identity of each requesting user.

 On the other hand, the current telecommunications devices are unsuitable for simply carrying out data and message transmissions in coded form under conditions such that they prohibit any fraud.

The present invention has essential objects
- on the one hand, a simple and very easily automated process
coded secret transmission, ensuring two interlocu
the confidentiality of their exchange and prohibiting
any third party to pose as one of the interlocutors
- and, on the other hand, a "multiservice terminal" ensuring do
micile and according to the secret transmission method above
. All consultancy and transac functions
tion of a bank counter
. and also bringing together, in a homogeneous device, the whole
ble of the usual methods of consulting data and
communication between individuals mentioned in the preamble.

 Indeed, the central problem that the invention proposes to solve is to effect the simple transmission of a series of messages in a coded manner between a terminal A and an interlocutor B, possibly being in particular another terminal or possibly a banking organization. , or a database.

 In this regard, the invention proposes to transmit said messages by coding each of them using a "random variable in time" for any third party.

 According to a first form of the coded transmission method according to the invention, it is advisable to use as coding key a time indication relating to the transmission phase of each message. Thus, the receiver knowing the decoding algorithm, as well as the instant coding key, will be able to easily unscramble the messages transmitted by A. On the other hand, no third party will be able to systematically analyze the sequence of messages transmitted because of the "random" character of the coding process.

 In particular, it is possible to choose as the random coding key the time datum, considered to be common, characteristic of the instant of transmission and of the instant of reception of the message.

 Furthermore, to put the interlocutor B in a position to unscramble the transmitted message, according to the algorithm in his possession, it is proposed in a particularly advantageous form to transmit during each message the random coding element of its interference.

However, the invention also relates to a device for consulting data files and banking transactions at home or in a public place. This is connected via a MODEM to a telecommunications network capable of putting it in communication both with other devices of the same type and with one or more central organizations capable of responding to requests for consultations or users' banking transactions. In addition, it includes
- a device allowing its users to serve their
queries, including an alphanumeric keyboard
- and a video monitor, in particular with a cathode screen,
at the disposal of the user of the information transmitted by
the contact person and possibly posting as a check
fication of messages sent.

Furthermore, the device according to the invention is provided
- an identification subset emitting during
each request message an identification linked to the user
tor and / or device,
- a coding system interfering with the identification issued according to the
process mentioned above,
- and a microprocessor for controlling the function sequences
operation of the device connected to the various sub-assemblies
previous.

The microprocessor triggers, on the command of a user
A, the procedure for calling interlocutor B, controls the coded transmission of messages and activates the video monitor by ensuring that A transmits the information transmitted by B.

 According to a particularly advantageous characteristic of the invention, the device is also provided with a system for reading user identification badges. It performs, under the control of its control microprocessor and after introduction of a badge, the communication to the coding system of an identification message carried on the badge and the transmission to contact person B which, after unscrambling, can thus deduce the identity of the user.

 According to another particularly advantageous characteristic, the device systematically checks the identity of a user wearing a badge. This characteristic is very interesting in the case where the interlocutor is a central organization B giving access to a personalized service linked to the identity of the user. This is the case with banking organizations.

 This verification can be carried out on site inside the device. In this case, the badge reader performs, under the control of the control microprocessor and after introduction of a badge, the reading of the information carried by the latter. It transfers this information to a tamper-proof hybrid circuit of the device, connected to the reader and deducing from this information, according to a secret algorithm, a theoretical indicative of access to the services of interlocutor B. This circuit also performs the comparison between the theoretical indicative which it calculates and an indicative signified by the user, in particular on the alphanumeric keyboard. It authorizes access to B's service only if there is identity between the two callsigns.

 Furthermore, the verification of the identity of the user can be carried out within the central body B. In this case, after introduction of the badge, the device A transmits to the body B the identification message from information carried by the badge and scrambled according to the method described above. Organization B decrypts this message and deduces a theoretical indicative of access to its services by the user. The latter types on the alphanumeric keyboard of the device what he considers to be his access code. The device transmits the code, in particular in scrambled form, to the organization B, which performs the comparison between the codes and only authorizes access if they are similar.

 Thus, one or the other of the two preceding methods allows the organization B and the device A to personalize the services rendered to a user while ensuring his identity.

 In particular, no third party, even in possession of a stolen identification badge, may carry out a fraudulent consultation or transaction.

 In addition, according to a particularly advantageous implementation, the device according to the invention transmits, during each call from a central body B, a secret identification number of its own and transmits it to B according to the method described above. Organization B decodes the message transmitted and deduces therefrom the telephone number of the device within the telecommunications network. The communication between the device and the organization B is cut. Finally, organization B recalls the device using its previously deduced call number.

 Thus, the central organization is certain of the origin of the call sent by the device.

 Finally, according to a preferred variant, all the data of confidential type, such as the account positions, are transmitted by the organization B to A in coded form according to the method of the invention.

 Thus, third parties are unable to deduce confidential banking information by systematic "listening" to the information transmitted by B to A.

 Another important aspect of the device according to the invention is to edit, for the benefit of the user and at the end of each transaction order with a bank organization B, inviolable proof justifying the act performed and which may thus serve as evidence.

 To this end, the device is provided with an original "electronic printer" performing according to a "photographic" process, the tamper-proof printing of the transaction image on photosensitive paper.

 This printer essentially consists of a photo-electronic print head consisting of one or more arrays of light-emitting diodes. Under the control of a microprocessor, the diodes are selectively lit to constitute the "dotted" image of the character to be printed. In addition, a bundle of optical fibers, originating opposite each of these diodes, channels and reduces the image of each character to the desired dimension facing the printing area.

 According to a first variant using conventional printing kinematics, the photo-electronic head has only one matrix of diodes. It is integral with a carriage moved perpendicular to the direction of travel of an immediately developing photosensitive support paper contained inside an opaque feeder similar to those which contain photographic films. Printing is then carried out character by character, by lateral displacement of the print head using a micromotor.

 But, according to another variant of use preferred by the invention, the electronic printing device is constituted by a homogeneous block of the width of the printing paper ribbon, motionless transversely to it and gathering a set side by side of several independent diode arrays. Each matrix is intended to print a character opposite one of the transverse zones of the support tape.

 The control microprocessor then manages the operating sequence of each of the matrices so as to impress line by line the ribbon of photosensitive paper without any movement of the heads.

 This printer can be used for many applications because it has many advantages over current solutions.

 From a general point of view, we notice first of all that its printing device does not include any moving mechanical part. It essentially consists of a bundle of optical fibers placed facing diode arrays. Due to its nature, this device is therefore likely to be the subject of automated mass production at very reduced prices.

 Furthermore and especially in its second version, the printer has only one movable element: the photosensitive paper drive system, which can be produced very simply, in particular by association of a micromotor and a maltese cross. The printing device is entirely static.

Therefore, this printer
- on the one hand, undergoes very reduced mechanical wear, which
gives it an almost unlimited lifespan
- and, on the other hand, is accompanied by a silence of function
absolute.

 In addition, the only electronic activation of this printer gives it remarkable printing speed. This is only limited by the sensitivity of the paper on the order of a thousandth of a second.

In addition, its maintenance is almost zero. In particular,
The absence of transfer support (printing ribbon) limits this maintenance to the periodic replacement of the paper feeder which can be very simplified if the latter is in the form of a compact "cartridge" similar to those used for the devices photographic.

 But, moreover and above all, the second version of this printer has two particularly advantageous characteristics which make it possible to produce the personalized banking consultation and transmission device which is the subject of the invention.

 First of all, according to a preferred embodiment, the printing system is piloted using a microprocessor constituted by a tamper-proof hybrid circuit ensuring the various commands of the printer and comprising in particular a multiplexer subset activating , in scrambled form indecipherable from the outside, the different drivers for controlling the anodes of the light-emitting diodes.

 Furthermore, the whole is imprisoned: multi-printing heads (that is to say, diode arrays and bundle of optical fibers) and control circuit within a homogeneous compact block overmolded with a resin covering. . This assembly is connected to the main microprocessor for controlling the device only via a connection pin.

 Thus any attempt at fraudulent craft piloting of the printing device by a third person is made impossible. Only the main microprocessor is able to control this printer.

 In addition, according to the method of the invention, each document issued on photosensitive paper is instantly revealed and, therefore, cannot be subject to any subsequent falsification.

 Consequently, the printer proposed constitutes a means of printing a document which is at the same time tamper-proof, tamper-proof and non-reproducible, which makes it particularly suitable for editing "proof of transaction tickets".

 An important aspect of the banking consultation and transaction device according to the invention is to be equipped with an electronic printer of the type described above which performs, at the end of each banking transaction, the editing of a "photograph electronic transaction "on photosensitive paper with continuous development. This photograph constitutes for the user irrefutable proof, justifying the act mentioned above.

Preferably, the device is also, in particular inside a tamper-proof hybrid circuit, provided with both a clock system and a telephone pulse counter. Thus, the electronic printer is able to issue proof of transaction tickets gathering both
- the full references of the order,
- the date and time of the transaction,
- the state of the pulse counter
- and an acknowledgment number issued by the organization
central.

 The possibility of a combined verification of the authenticity of the last three characteristics of the ticket makes the chances of a possible falsification more than impossible.

 But, moreover, another particularly advantageous aspect of the invention is to ensure considerable savings for debtors and creditors in the processing of invoices.

 Indeed, after receipt of a conventional invoice, it is possible to make payment almost instantaneously using the device according to the invention. For this purpose, it suffices to call the banking organization according to one of the sequences described above and to notify it, using the alphanumeric keyboard, of the accounting information shown on the invoice. The banking organization then takes care of the transaction after checking the admissibility of the order.

 This processing can be carried out automatically by a computer. The latter decrements the debtor's account and increments that of the creditor. In addition, the creditor is issued by the system with proof of settlement.

 Independently of the drop in accounting costs brought about by the simplicity of this method of payment and the interest for the community of seeing disappear the continual mass of "floating money" that represents the invoices in the course of payment, we realize Obviously this method has the undeniable advantage of reducing the gross cost of transport of the payment method because it replaces an envelope and a stamp, that is to say, human distribution costs, by a simple telephone call. and automatic processing. We can thus estimate the savings made at more than eighty percent of the current invoice processing costs.

 In addition, according to another aspect of the invention, the settlement of an invoice can be made according to a much more efficient and immediate process.

According to this variant, the creditor sends his new form of invoice to his debtor.
- on the one hand, a printed slip gathering under a
classical form accounting information relating to
to the invoice
- and, on the other hand, a detachable module supporting, under
form of information, in particular magnetic or optical
intelligible by the device, the same information comp
tables as the slip.

 The debtor makes the detachable module of the invoice that he receives available to a reading subsystem of a device according to the invention that he has. This system is automatically addressed, via the telecommunications network, to a centralized bank transaction organization which makes the payment corresponding to the invoice.

 According to an implementation of this bill payment method, preferred by the invention, the bill formulas include a detachable magnetisabie module, in particular in accordance with the dimensional standards of current magnetic badges.

The creditor has a billing system comprising
- means of service of the accounting data of its
invoices, like an alphanumeric keyboard,
- as well as a classic alphanumeric printer and a head
magnetic printing, these two printing systems
performing on each billing formula at a time
. The edition of the classic invoice slip
. and the magnetic recording of this slip on the
detachable magnetic module.

 The debtor, meanwhile, has a device according to the invention provided with a system for installing and reading an identification badge, in particular of the type described in French patent application No. 81 08901 of May 5 1981 on behalf of the applicant. This system can be used, especially during the identification phases, before accessing a request.

 To settle an invoice, the debtor simply has to insert his magnetic module inside the slot in the badge reader. The latter deciphers the accounting information carried on the magnetic module and transmits the transaction order corresponding to the invoice to a competent banking organization, according to one of the identification and coded secret communication methods referred to above.

 We can easily perceive the considerable time savings that result from the implementation of such a bill payment process.

 We also realize that this absolute simplification of the conditions for processing invoices is made possible by the security condition generated by the communication method of the invention.

Other characteristics and advantages of the invention will appear in the description which follows with reference to the appended drawings, which description and drawings are given only by way of non-limiting example.
On these drawings
- Figure 1 shows the external appearance of one of the forms of
possible realization of a consultation and tran device
home banking according to the invention.

- Figure 2 is a block view of the different types of utility
sation of a device according to the invention.

- Figure 3 describes one of the identity verification schemes of
user and personalized request to an organization
central, preferred of the invention.

- Figure 4 shows schematically the transmission sequences of a request
personalized by a user with an organization
central according to the coding method "by random variable" of the invention.

- Figure 5 shows another variant of the method of fi
preferred gure 3 of the invention.

- Figures 6 and 7 show in perspective and in section the
essential characteristics of an electrolumi printhead
nescente according to the invention intended for editing on photosen paper
falsifiable documents.

Figure 8 shows in perspective one of the modes of implementation
artwork of the print head of figure 7 within a print
single-mantle electronic mantis wired by a micromotor.

- Figure 9 describes in perspective the production principles according to
the invention of an electronic printer on photosensitive paper
with completely immobile print head.

- Figure 10 shows in section the advance system, revé
lation and fixing of the paper inside the printer of the
figure 9.

- Figure 11 is a cutaway perspective view of a use
particularly advantageous printer of Figure 10, at
within a bank consultation and transaction terminal
the invention, for editing a "proof ticket" of tran
tamper-proof action.

- Figures 72 and 13 depict a tamper-proof "proof" ticket
transaction "and a voucher for consultation made by
the printer in Figure 11.

- Figure 14 shows schematically an embodiment particularly
advantage of tamper-proof hybrid control circuits
Figure 11 printer operation and encryption
decryption of messages exchanged between the terminal according to the invention
tion and the central body.

- Figure 15 shows schematically the essential characteristics of a
magnetic module invoice according to the invention and its process
editing by the creditor.

- Figure 16 shows the different stages of the process
payment of an invoice according to figure 15 using the payment device
home banking transaction according to the invention.

- Figure 17 represents the transformations to be carried out at a
device according to the invention to make it capable of performing at
home the functions of a real TELEX microphone.

- Figures 18, 19, 20 describe an embodiment of the dis
positive according to the invention allowing its user to have access,
by simple purchase of a key memory and device equipment
(with this memory), to any of the databases
private.

 Figure 1 shows in perspective the main exterior characteristics of a domestic terminal 1 according to the invention.

This performs both the functions
- a conventional telephone with a handset 2 and
a dialing keyboard for number 3,
- a public database consultation system
or private
- and a consultation and banking transaction system.

To this end, the device is connected to the telecommunications network by means of a cable 4 and a standardized socket 5 and electrically supplied by the cable 6 extended by the socket 7. It furthermore comprises
- a standard badge reader including the insertion slot
appears at 8, allowing the user to signi
trusting their identity and being able to provide auxiliary functions
accounting statements which will be discussed later,
- an alphanumeric keyboard 10 provided with keys 11 on the
which user can mean messages and instruc
he wishes to address to his interlocutors,
- a video monitor 12 for the visual provision of
the user
. information 13 provided by these interlocutors,
. as well as display for information or verification
transmitted messages.

 Furthermore, a distinction is made at 15 for the extraction area by the user of "tamper-proof" proof tickets attesting to all the operations carried out on the machine and the embodiment of which will be developed later.

 Finally, the apparatus has on its front side both a daily calendar 18 and a counter 20 for totaling telephone pulses consumed by the device 1.

 We will see later that they also participate in the function of "secret transmission" of data performed by the device 1.

 Figure 2 brings together the main uses of a domestic terminal 1 according to the invention allowing it, in particular in association with "point of sale" terminals as described in French patent application No. 79 27673 of November 9, 1979 and its application of certificate of first addition No. 81 12669 of June 26, 1981 in the name of the applicant, to ensure a true global computerization of the banking phenomenon as well at the level of the individual as of the merchant or banking organizations.

Thus, there is shown at 30 an automatic telephone exchange constituting the "backbone" of the overall system which is the subject of the invention. It will of course be understood that this exchange 30 symbolizes all of the telecommunications systems constituting the telephone network. On this central are connected
- on the one hand, two domestic terminals according to the invention la
and lb via lines 32 and 33,
- on the other hand, two "point of sale" terminals 35a and 35b
via lines 38 and 39.

 These two types of devices are intended to decentralize the banking function to the level of individuals and merchants.

 Furthermore, at the upper part, in zone 40, the banking function has been symbolized as proposed according to the method of the invention.

 First of all, it includes a central banking site 42 placed in direct automatic connection with all of the terminals 1a, 1b, 35a, 35b ... by means of an automatic exchange 43 connected to the telephone exchange 30 by several lines access 44.

 Site 42 receives from different banks B1, B2, B3 ... the status of debit and credit orders which are sent to them directly, in particular in conventional form. This information can be submitted online via telephone networks, either using magnetic tapes 45 as shown in the figure.

Likewise, he is kept informed by each counter 46 and by telephone lines 47 of current conventional operations such as
- check remittances,
- transfers of transfer orders,
- reception of transfer orders,
- central file consultations
Furthermore, the central site 42 uses a computer coupled to a central memory 48
- chronological memorization of the operations carried out,
- the calculation of the new balance for each customer
- and the systematic and instantaneous update of the state of
each customer account.

Each request for consultation or bank transaction made by a user of a device 1a, 1b is sent to the central site 42 via the telecommunications network 30. It is accompanied by the transmission, in coded form according to the method of the invention, of a theoretical indicative allowing the central site 42 to personalize the services which it delivers to each user. Likewise, the central site 42 ensures the legitimacy of the call according to a process which will be described in more detail below. Any precaution of admissibility taken, the central site 42 addresses to the device, preferably in a coded form according to the method of the invention,
- the result of the requested consultation
- or an acknowledgment number that can be used as a basis
when issuing a proof of transaction ticket, the
characteristics will also be described later.

 In addition, at the end of each transaction or consultation requested by the device 1, the central site 42 records the contact details of the caller, those of the device and the nature of the service rendered in a chronological memory, associates them with the acknowledgment number transmitted elsewhere to the device and updates the account of the user in its memory 48 if necessary.

 Finally, regularly, the central site 42 addresses the various banks B1, B2, B3 ... All of the operations carried out and the statement of customer accounts, in particular in the form of magnetic tapes 50.

 We realize that the object of the invention has thus been achieved, that is to say a system making it possible to carry out, at home and almost instantaneously, All of the banking operations requiring a trip to the counter.

 However, we also note, connected to the central office 30 via the PABX 52 and the line 53, a private database 55 provided with a data memory 56. The abandoned or members can selectively access it. from the terminals 1a and 1b according to an identification and transmission mode coded according to the method of the invention completely similar to that used to communicate with the central banking site 42. According to the payment method chosen for the service rendered by the private database 55, the characteristics of the call and the identity of the subscriber will or may not be recorded on an accounting memory 58.

 In addition, connected to the central office 30 via the automatic exchange 60 and the line 61, there is a public database 62 delivering, at the request of a user using a terminal 1, I any of the information understood and classified in its memory 63.

 Finally, we note that each device 1a, 1b ... is provided with a document printer 65a, 65b. Indeed, it is possible to add to these devices a printing system 65 and possibly a magnetic data reader on cassette 66b, allowing them to constitute, in addition to their banking consultation function, real TELEX at home allowing to compose texts, verify them, transmit them and keep them; or receive such texts, memorize them and edit them. This improved version which will be described in more detail in Figure 17 makes it possible to meet the most ambitious expectations of telematics, that is to say the integration of video-text within the urban telephone.

With reference to FIGS. 3 and 4, the main characteristics of the essential phases of communication of callsigns, identity verification and transfer of secret information are described, which enable the device 1 according to the invention to provide at home, by through the public telecommunications network and under the necessary security conditions
- banking transactions with a central site 42
- and private database consultations.

 Throughout this description, the term "central body" 42 will designate both a central banking site and a private database; the problem in both cases being the same, namely personalizing the services and information provided. These secret communications procedures are triggered automatically by a conventional microprocessor (not shown) for controlling the sequences of the device 1.

 The phase of verifying the legitimacy of a user's request is firstly initiated by the introduction along i of his identification badge 70 inside the insertion slot 8 of the badge reader 71. To this end, there is shown in Figure 3 a reader 71 as described in French patent application No. 81 08 901 of May 5, 1981 in the name of the applicant. The latter, of a very simple and very efficient type, is capable of processing both multitrack magnetic badges thanks to its "multi-head" reading device 73 and memory cards thanks to the electrical connection device 74.

Thus, whatever the type of identification badge 70 introduced, the reader 71 analyzes it and deduces therefrom a personal code of the holder which we will call RIB (i.e.
Bank Identity Statement). He transmits this RIB according to him to a hybrid circuit (that is to say inviolable) of scrambling by "random variable", forming from this RIB a scrambled identification message using in particular the time t as variable key of coding.

 One of the preferred modes of this interference according to the invention is described in FIG. 4 together with FIG. 3.

 In this figure, the axis t shows the flow of time.

 The basic principle of this coding method consists in transmitting from message A to B a message m according to an algorithm ft known by the two interlocutors but dependent on a random variable t, in this case time. In particular, at time t, if the device 1 must transmit the message m to site 42 in coded form, it will send the message M = ft (m) to it, ft representing the coding algorithm at time t .

 Site 42 is able to decode the message M because it knows both f and the transmission time t, that is to say the random coding key, therefore ft.

 On the other hand, third parties have no chance of succeeding in discovering the coding algorithm of the transmitted messages because it constantly evolves over time.

 The implementation of this coding method is within the reach of those skilled in the art and the definition of the ft algorithm can vary endlessly.

In fact, we will understand that we can take for ft any algebraic function of the two variables t and m invertible in m whatever t.

 This ft function and its inverse was 1 can be generated very simply using a conventional preprogrammed microcomputer.

 Thus, at time to, the badge 70 is introduced into the reader 71 by the user. According to lî, the hybrid circuit 76 receives the RIB from the reader at time t1. It is fitted with a tamper-resistant microcomputer performing the ft function. At time t2, it transmits according to g1 to the central body 42, using the network T, the coded message M = ft2 (RIB).

The central body 42 is provided with a device for decoding the transmitted communications, that is to say a microcomputer (not shown) instantly performing the reverse function ft of the algorithm ft. As a result, at time t2, the central organization 42 is in possession of the user's RIB. It deduces therefrom a theoretical indicative (PIN) for accessing its functions to the user. It also warns the device 1 according to 9'2 at time t3 of the reception of the transmitted RlB and requires the user to use the service code (on the alphanumeric keyboard 10). The user indicates his callsign at time t4. This is transmitted to circuit 76 along I then again
2 coded by the latter according to the principle mentioned above before being transmitted according to g3 at time t5 towards the central body 42.

The latter performs, using a comparator 78, the verification of the identity between the theoretical access code and the code indicated by the user.

According to the result of the comparison, the central body sends to
At time t6 according to g'4 in the direction of device 1, a message of acceptance or rejection of any request.

 In the event of acceptance by the central body, it will be noted that the latter is certain of the identity of the user. It will also be noted that it is impossible for third parties to discover the code of a legitimate user. As a result, any fraudulent request is made impossible.

After acceptance, the user signifies his request. As shown in Figure 3, this meaning can be
- simply done by typing on the alphanumeric keyboard
risk 10, especially if it is a consultation request
database,
- or, more elaborately, transmitted instantly and
automatically to device 1 via lec
adapted tor 79 using an intermediate support such as a
card 80 or a magnetic module 81. This procedure, very
advantageous for instant settlement of invoices will
discussed below
If the request must be personalized and secret, the device 1 transmits it in g5 to the central body 42 at time t7 after having coded it according to the method of the invention using the circuit 76.

 The central organization 42 deciphers the request according to the process mentioned above, checks its legitimacy and executes it, in particular in cooperation with its memory file 48. Thereafter, it transmits to device 1 at input t8, according to g6, a response to the requested consultation or possibly a transaction report made as well as an acknowledgment number.

 If this information must remain confidential (this is particularly the case for banking information), the central organization codes it according to the method of the invention using an auxiliary coding circuit 85. In this case, the device 1 is provided with a hybrid decoding circuit 86 of this information.

 On the other hand, if this information is public, this is generally the case for information transmitted by a database, the response can be transmitted by the central body 42 without being coded.

 Finally, the device 1 makes this information available on the screen 12 and edits the input tg, using a suitable printer 100 which will be described in more detail with reference to FIGS. 9 to 11, a printed document 170 as proof of the execution of the request.

 It is easy to realize that a terminal 1, operating according to the method of FIGS. 3 and 4, can be made available to the public without problem, in particular in hotels and terminals to provide this public with a personalized and reliable consultation service private databases and banking transactions.

 FIG. 5 shows two variants of the information communication method of FIG. 3.

 After introduction by a user of his identification badge 70 according to i inside the reader 71 of the device 1, the R1B analyzed by the reader is transmitted according to 15 to a hybrid circuit 95, within the device 1 deducing from the RIB the Badge holder PIN.

Similarly, the device 1 transmits according to g1, to the central body 42, coded by the hybrid circuit 76 according to the method of the invention
- both the badge RIB, identifying the user, transmitted
according to 16 at circuit 76
- and a device identification number 1 generated according to 17
by a hybridized memory 96.

 Furthermore, the device 1 requests the user to indicate his callsign on the keypad 10. He checks, using a comparator 97, the identity between the signified served and the PIN calculated by the circuit 95 and authorizes access to its services only if so.

 Thus, the device 1 verifies the identity of the user on the spot and ensures that the badge 70 of the latter has not been stolen.

 In addition, after decoding the identification message transmitted by 1, the central body 42 deduces therefrom, using its file memory 48, the contact details of the device within the telecommunications network. He cuts the communication and recalls the device according to h. The subsequent phases of the request transmission take place in accordance with that of FIG. 3.

 Thus, the central site is certain of the origin of the call before executing any request from a user.

 It will be understood that this type of terminal is entirely suitable for use at home.

 Figures 6 to 8 show a first alternative embodiment of the electronic printer 100 according to the invention.

 As shown in Figures 6 and 7, the irnpres sion device is essentially constituted by a matrix 102 pierced with an orthogonal network of 5X7 = 35 recesses 104 within which are placed light emitting diodes 106. Each of these diodes 106 is extended by an optical fiber 107, the assembly of which forms a convergent beam 108. The electroluminescent printing head 109 thus formed is overmolded with a film of resin constituting a printing device 110 also provided with a shoulder coaxial 111 on which a ball bearing 112 is mounted 113 maintained by means of a circular clip 115.

 The printing kinematics of this printer 100 is described in FIG. 8.

 The printing device 110 is introduced inside a transverse light 116, formed through a plate 117 extended by a guide 118 and opening facing the plane of travel along n of a ribbon 119 of photosensitive paper.

 Printing is done line by line and character by character. To this end, the ribbon 119 is kept stationary during the printing of each line. The printing mechanism 110 is moved along ol, facing each printing area with a character, thanks to the stepping motor 122, the latch 123 and the pulleys 125 and 126. The assembly is covered by a opaque hermetic cover 127.

We understand
- on the one hand, that the movement along ol of the printing device
sion 110 is facilitated by the sliding of the balls 113 from the wheel
Lement 112 against the lateral range 128 of the light 116,
- on the other hand, that a perfect application of this same device
110 against paper 120 is provided by the partial degree of
angular freedom provided by bearing 112.

 Under the control of a special circuit 130 controlled by microprocessor, each successive character to be printed is displayed in "dotted line" on the matrix 102 by selective lighting of some of the light-emitting diodes. Thus, it can be seen in FIG. 6 that the character A is being printed.

 The luminous flux emitted by each of the diodes 106 excited by the circuit 130 are channeled and reduced by the bundle 108 of optical fibers 107 which produces a true focusing of the image of the character carried on the matrix 102. Thus, this image is reduced to the size of a conventional printing character and delivered in luminescent form opposite the photosensitive paper 120 which it emulsifies.

 After each printing of a character under the control of circuit 130, the printing device 110 is moved along ol by the motor 122 to the printing area of the next character on the line being worked out. Likewise, their new character to be printed is displayed on the matrix 102 and impresses the paper 120.

 This operation is repeated until complete printing of a line 132. The printing device is then moved along 02 to the origin and the ribbon 119 of paper 120 rises along n by a line using '' a conventional device (not shown) controlled by the circuit 130.

 A new line can then be impressed according to the method described above. During this time, the previously photographed line is revealed according to a process which will be described later.

 We realize that this electronic printer 100, without a mechanical moving printing part and without transfer support but guaranteeing very good definition thanks to its optical focusing principle, constitutes a very simple answer to the current cost problem. cost of small auxiliary printers for domestic appliances, such as microcomputers whose printer generally determines the main part of the manufacturing cost.

 In Figures 9 and 10, there is shown an embodiment 100 'of the electronic printer according to the invention having particularly advantageous characteristics.

 According to this variant, the printing device 110 ′ does not consist of a single matrix 102 of diodes moved along ol to print the document character by character, but on the contrary of a compact printing block 140 consisting of two rows superimposed on ten matrices 102 of diodes similar to those described in FIG. 8, each extended by a bundle 108 of optical fibers 107. These different beams focus and reduce the images of the luminescent characters produced by each of the matrices 102, side by side along the same axis 99 '.

 Thus, it is noted, with reference to FIG. 9, that the block 140 is constituted by an alternating brush of beams 108 coming from the upper row 142 of dies 102 and of beams 108 'coming from the lower row 143.

 The printing block 140 is surmounted on either side of its two rows of bundles 108 and 108 ′ of optical fibers by two films 145 and 146 of resin constituting both a coating jaw for each of the beams and a guide to facilitate the precise and rapid introduction, according to p, of the printing device T10 ′ inside a transverse slot 148 formed opposite the feeder 150 also containing the ribbon 119 of photosensitive paper 120.

 Therefore, after setting up the printing device 110 ′, the end 151 of the bundles 108 is aligned in the printing plane P of the ribbon 120 and perpendicular to its axis zz ′.

 Under the direction of a control microprocessor, an embodiment of which will be mentioned in FIG. 14, the various characters of a line to be printed are displayed simultaneously in an appropriate order on the various arrays 102 of light-emitting diodes 106.

 Thus, the photographic printing of the different characters of a line 153 can take place simultaneously.

 The device of the photosensitive paper drive and production system 120 will now be described with particular reference to FIG. 9.

The paper tape is delivered by the manufacturer, wound inside a cartridge-charger 150 whose walls 152 are opaque to light radiation. This includes both
- a system, contained within zone 155, for training
ribbon 119 by cooperation between various wheels
crenelated 156 externally activated, with side edges
perforated 157 with ribbon 119
- And, facing the drive device 156, inside the
hollow edge 158, surmounting the transverse slot 148
inserting the printing device 110 ', a felted sleeve
159 soaked in instant fixative developer liquid
photographic paper impressed 120.

It will also be noted that the ribbon 119 is perfectly aligned along the printing plane P, thanks to the return roller.
160, the guide slot 161 and the two displacement cylinders
opposite 162 and 163 also ensuring the spinning of the revealed paper and
fixed at its outlet from the charger 150. It will be noted, finally, that each of the communication slots of the charger 150 with the outside are closed so as to prevent the passage of light. In particular, the transverse slot 148 is masked by a flexible tab 165 erasable during the introduction of the printing device 110 '.

 Of course, it will be understood that the device for unwinding and processing the paper 120, as well as the paper itself, can be replaced inside the printer according to the invention by any currently known type of delivery of impressionable paper. by light although the solution proposed by the invention has very interesting characteristics of use vis-à-vis the usual techniques. In particular, it is possible to use, inside a large printer, a solution for instantaneous treatment of conventional paper with a powder before its exposure to light, as is used in current photocopier apparatus.

 It is easy to realize that this printer 100 ′ has considerable advantages over current printing modes.

 First of all, its cost price is very reduced due to its mechanical simplicity.

 On the other hand, its maintenance is zero due to the inexistence of moving printing parts. The only mobile system is constituted by the device 156 for unwinding the paper within the feeder 150 which can be made of plastic and exchanged during each reloading.

 In addition, this printer 100 'is capable of extreme miniaturization. Due to its design and the sensitivity of its printing mode, it is possible in particular to reduce its size and the width of the ribbon 119 to a few centimeters and to print on this ribbon tiny characters subsequently enlarged in particular by an optical system.

 As a result, it becomes possible to use this printer in very small devices such as cameras, ultra-thin pocket calculators, portable memory microprocessors ...

 In addition, its operating speed is almost unlimited.

In fact, it is known at the present time to produce photosensitive paper supports which can be impressionable in less than 1/1000 of a second with light sources of the type of those of light-emitting diodes 106.

Therefore, it is theoretically possible to print a line of the ribbon 119 in 1/1000 of a second. In fact, only the possibilities of unwinding the ribbon limit the printing speed of this printer 100 ′ to around one hundred lines per second. It is easy to imagine the advantage it can present, especially in the field of word processing machines.

 Last but not least, the printed documents, photographically revealed and fixed, which it delivers are unforgeable. This allows them to be used as proof of payment in the banking field, and in particular as "proof of transaction tickets" issued by a terminal 1 according to the invention.

 FIG. 11 shows an electronic printer 100 ′ of the type of that of FIG. 9 used inside a domestic terminal 1 for consultations and personalized banking transactions, for editing both "proof of proof" tickets. tamper-proof transaction 170 such as that shown in Figure 13.

 The immobile printing unit 140 has characteristics similar to those described in FIG. 9. However, it will be noted that it also includes an integrated microprocessor 131 connected via the circuit 130 to the various dies 102 of the printer in order to activate their different diodes 106.

 It should also be noted that all of the matrices 102, the bundles 108 of optical fibers 107, the microprocessor 131 and the control circuit 130 are included inside a countable coating 175 of resin, of which only emerges electrical connection socket 176 inside which an eight-pin pin 177 communicating with the main sequence control microprocessor of device 1 can be introduced via cable 178.

 One of the embodiments of the printer control system 180 is described at the top of FIG. 14.

 We recognize, in particular in 131 the printer control microprocessor, with integrated microprogram 181 connected to its oscillator 182.

 We also note the control circuit 130 of the various arrays 102 of light-emitting diodes 106 which communicates with the microprocessor 131 only via a multiplexer circuit 185 and a matrix selection register 186. The assembly is hybridized within the mass of resin 175 and communicates, with the exterior at 176, only through the register 187 of connection of the microprocessor 131 with the external BUS 188 of the control signals of the main microprocessor of the device 1 , as well as by the register 190 for linking the microprocessor 131 with the external BUS 191 of the data of the main microprocessor of the device 1.

 Therefore, any fraudulent manipulation of the printer 100 'is made impossible by "mixing" information which is practiced within the control system 180 and the inaccessibility of the latter from the outside.

 Consequently, the printer 100 ′ allows the device 1 according to the invention to edit in 15 tickets for acts performed which can be really considered as evidence as tamper-proof and not fraudulently achievable.

In FIG. 12, a “proof of transaction ticket” 170 issued at 15 by the device 1 is thus recognized following a transaction requested by a user. This ticket 170 collects both
- the date and time of the start 199 and end 200 of the request
such as these could appear on calendar 18,
- the start 201 and end 202 state of the pulse counter
telephone 20 during the request,
- the exact nature 203 of the request sent by the user and
executed by central agency 42
- the telephone number 204 of the device,
- the number called 206 from the central body 42
- and, finally, a 205 acknowledgment number communicated
by the central body 42.

 Likewise, in FIG. 13, a distinction is made between the indicative information carried by a supporting voucher 171 for consultation, that is to say the date and time of start of consultation 199, the telephone number 207 of l body called as well as the final state of the pulse counter 208.

 If we refer again to FIG. 14, we distinguish, at the bottom, one of the preferred embodiments of the invention of the inviolable hybrid circuit (76, 86) for encryption and decryption of messages of the device 1 .

This first comprises a control microprocessor 210 with integrated microprogram 211 connected to its oscillator 212. The microprocessor is linked
- to the telecommunications network T from which it detects the impulses
sions, via circuit 215
- and to the external link bus 188 of the micropro signals
main stopper of device 1 via the re
gistre 218.

Furthermore, it is provided with a data memory 220, protected from any fraudulent external reading and containing both
- device identification number 1
- and, optionally, the subscriber identification number if
the device is public and ensuring, through circuit 221, continuous backup
- the pulse totalizer 20 via the circuit
222
- and that of the calendar clock 18.

 The register 224 provides the link between the internal data BUS and the external data BUS 191. The register 225 provides the connection between the internal data BUS and the memory 220.

Finally, a register 226 ensures, from the microprocessor 210, the selection of the circuits 220, 221, 222 and of the registers 224 and 226.

 FIG. 15 shows at its lower part an invoice 230, according to the invention, with a detachable magnetic module 81, making it possible, according to the method of FIG. 16 and using a domestic terminal 1, to instantly make payments at home invoices.

We note that this one, made from a paper support, includes
- on the one hand, at the top, a printing area 232
classic accounting features of the invoice
- and, on the other hand, at the lower left, a module
detachable 81 gathering on an ISO magnetic track
(234) the accounting information required for settlement
of this invoice.

 In Figure 16, we have schematized the principles of payment of an invoice according to the invention.

 First of all, we note that the invoice 230 is edited using the invoicing device 240, controlled by a computer 241 which ensures the accounting management of the creditor C. It will be understood, of course, that the device can be controlled manually by an alphanumeric keyboard.

The characteristics of this device 240 appear more clearly in the lower part of FIG. 15. It comprises a double guide system 242 arranged transversely with respect to the direction of unwinding according to q of the blank magnetic billing formula 243. On this system 242 , are mounted
- a conventional print head with needles 245 controlled according to r
by computer 41 and which edits
on the one hand, on the printed area 232,
- name of client 246,
- date 247 of invoice 230,
- the detailed nature 248 of the invoice 230,
- the amount 249 of each service,
- as well as the total amount excluding taxes 250 and total
253 of invoice 230,
on the other hand, on the printed part 255 of the module ma
detachable genetics 81
- the name of the customer 246 ',
- the date 247 'of the invoice 230
- and the amount 253 ',
- and a magnetic recorder storing, by movement
ment according to s facing the ISO track (234) and under the command
from computer 241, the accounting information needed
res to the payment of the invoice under the order of the dispo
sitive 1, such
the details of the bank account (rice) of the account of
creditor C (issuer of the invoice) to be credited,
the amount of the bill
. and, optionally, the nature of the invoice and the date
resignation.

Once edited, according to the above process, the invoice 230 is folded, put in an envelope 260 and addressed according to j by the creditor
C to its debtor D through the postal network PO
o
The debtor D receives the invoice 230, detaches it according to the magnetic module 81, introduces it according to i1 through the insertion slot 8 inside the badge reader 71. In addition, it is possible for him to introduce according to i2 an identification badge 80 of the coordinates 262 of his account within the bank from which he wishes to see the invoice 230 drawn. The reader 71 magnetically analyzes the information supplied. The device 1 then automatically performs, under the control of control microprocessor, All the operations for requesting payment from the central site 42, via the telecommunications network T and according to the transmission method of the invention described with reference to FIGS. 3 to 5.

The central banking site 42 makes the payment of its invoice from the registers of its memory 48. It decrements the account of D and increments the account of C by the amount of the invoice 230. In addition, it transmits according to g6 to the device 1
- on the one hand, a report 203 of the transaction,
- and, on the other hand, the acknowledgment number 205 which goes
serve as the basis for device 1 for issuing a ticket 170
"inviolable" proof of transaction.

FIG. 17 represents a very advantageous improvement proposed by the invention to the characteristics of the domestic terminal 1 to enable it to ensure
- in addition to its telephone, consultation and
banking transactions mentioned above,
- the functions of a real TELEX micro transmission
texts and documents between two interlocutors.

Thus, a terminal 270 has been associated with terminal 1. A word processor 270. This comprises both
a printer 65 for documents, preferably of the type of
that described in the French patent application NO 81 08262
of April 24, 1981 in the name of the applicant, likely to publish
documents as well according to their scrolling direction "a"
that according to "b" perpendicular to their direction of travel
and also allows you to edit everything very simply
graphic document,
- a data logger 66, especially on cases
sette 275
- and a 277 player for video-disc or record 278
photography record.

 This improved version of the terminal 1 allows a user A to send a text or document edited on receipt by the printer 65 to an interlocutor B, as well as a photographic document previously recorded on a disc 278 and read at 277.

 The advantage of this type of combination is that each of the communications and each transmission of documents between A and B can be carried out confidentially according to the coding method of the invention and, therefore, indecipherable by third parties.

Finally, the documents transmitted can be
- either registered by A in 66 before communication to B
- either recorded by device 1 of B in the absence of this
latest.

 It is easy to see that this type of multi-service terminal (1 + 270) provides a simple global solution to the problems of telematics.

 FIGS. 18 to 20 describe a preferred embodiment of the device 1 to facilitate access to its owner of private database 55.

 According to this variant, the right lateral part 280 of the device 1 is provided with a box 282 provided with a strip 283 intended to selectively receive connectors 285 and closed by a flap 286.

 One of the connectors 285 is described in more detail with reference to FIGS. 19 and 20. It essentially comprises a gripping case 288 covering a small tamper-proof overmolded fuse memory 290 extended by an integrated connection circuit 291 gathering the characteristics necessary for the telephone call of a specific database 52.

 Thus, it is sufficient for each user of a device 1 to purchase a connector 285 to have access to a particular database 55. He must then introduce this connector to one of the positions of the bars 283. The call to the corresponding database 55 can take place by simply pressing a key on the keyboard 10 and, optionally, a badge 70 for identifying the user.

 The invention having now been explained and its interest justified in detailed examples, the applicant reserves the exclusivity for the entire duration of the patent, without limitation other than that of the terms of the claims below.

Claims (29)

1. Secret transmission method  - a series of coded messages (m)  - from contact A to contact B, both  likely to implement the secret code (f) concer  born,  this transmission process being intended to make it impossible  decoding by a third party systematically analyzing  following messages transmitted,  said process being characterized in that A  - uses a "random variable (t)" for a third party,  as the coding key for each of said messages which it transmits  put to B  - and thus develops a scrambling mode for the messages transmitted  whose key is random and therefore indecipherable system  by a third person. 2. Method according to claim 1 of secret transmission  - a series of coded messages (m)  - from contact A to contact B,  said method being characterized in that A uses at least one  time indication (t) relating to the transmission phase as a key  coding of a message (m). 3. Method according to one of claims 1 and 2 of transmission  secret  - a series of coded messages (m)  - from contact A to contact B,  said process being characterized in that A communicates to B, at  during each message, the random coding key of its scramble  age. 4. Method according to claim 2  - secret transmission by telecommunication of a series of  messages (m),  - from contact A to contact B,  said process being characterized in that one chooses as the key to  random coding a variable linked to the time datum (t), con  flabbergasted as a characteristic town  - from the time of transmission of the message (m) by A  - and from the moment of receipt of the message by B. 5. Use of one of the secret message transmission methods  coded (m) according to one of claims 1 to 4 to signify, in  as interlocutor A to the central body B, a message  secret identification unreadable by a third party,  said use consisting in scrambling said transmitted message,  using a random variable for third parties and no  much time data (t) relating to your transmission phase. 6. Use, according to claim 5, of one of the trans methods  mission according to one of claims 1 to 4  - to have access as contact person A  - personalized service  rendered by a central body B  and whose domain is reserved and linked to the identity of A,  said use being characterized in that  - A enters into contact with the central body B in him com  providing an identification message in coded form according to  the process claimed in 5,  - B receives and decodes said identification message from A and  ensures its legitimacy before giving access to A to do  main service to which his identity entitles him. 7. Device (1) for consulting data files and / or  banking transactions  - available to at least one user A  - and connected, via a MODEM, to a network of  telecommunication T  - likely to link A with at least one organ  central nism B intended to respond to said consultations of  data files and banking transaction orders from  AT,  said device being characterized in that it comprises in combination with  his  - a subset of interactive communications between A and  B composed of at least  an alphanumeric keyboard (10) allowing the user  A to serve his order of consultation and / or tran  banking,  . a video monitor (12), in particular with a cathode screen,  to make information available to A (13)  transmitted by B,  and possibly indicative display as  verification of communications signified by A to  B on the alphanumeric keyboard (10),  - a subset of identifications (70, 220) transmitting to the  during each communication with B at least one identifi  cation linked to A and / or to said device,  - a coding system (76) interfering with the method of  claim 5  identification issued  using a random variable (t) for any third party  nobody  according to an algorithm (ft) defined in possession of B,  - and a microprocessor for controlling the function sequences  operation of the device  linked to previous subsets,  triggering on command of the call procedure of the  central site (B, 42) through the network of  telecommunication,  controlling the transmission to B via the  MODEM  coded message (m) from said identification  emitted scrambled by said coding system  as well as various communications from A to B,  and activating the video monitor (12) for making available  sition of A of the information transmitted by B. 8. Device (1) according to claim 7 for consulting files  data and / or banking transactions intended to allow  (B, 42) to verify the identity of the users A of the device, by  through an identification badge (70) that each used  their owner,  said device being characterized in that it further comprises a  badge reader (71) (70), physical information carriers,  and in particular a card for blocking and reading badges  magnetic and memory, said badge reader performing, under  control of the control microprocessor and after introduction  a badge (70) of a user A,  - reading the information (m) carried on this badge (70)  - And the communication to said coding system (76) for trans  mission to B of an identification message (M = ft (m)) from  information carried by the badge and scrambled according to the  The method of claim 5.  9. Method according to claim 6, for control by an organism B  the admissibility of an order to consult data files  and / or bank transactions issued by user A using  of a device according to claim 8,  said process being characterized in that  - A transmits to B, via said device (76), a  identification message (M = ft (m))  based on the information (m) on his ID badge  tification (70),  and scrambled according to the method of claim 5,  - B decrypts this identification message (M = ft (m)) according to  the secret algorithm (ft) in his possession, deduces one  theoretical code (PIN) for access to B's service, associated with  identification badge (70),  - A means, by hitting it on the alphanumeric keyboard  (10), what he considers to be his access code and the  transmits to B in scrambled form according to the method of  claim 5,  - B compares said theoretical and signified indicative and authorizes  à When accessing his request  If the comparison leads to equality  and if the request made by A is located inside  of the service area of B reserved for it. 10. Device (1) according to claim 7 for consulting files  data and / or banking transactions characterized in that it  further includes  - a badge reader (71) (70), physical information support  tions, including a blocking and reading plate  magnetic and memory badges, said badge reader (71)  (70) performing under the control of the communication microprocessor  after requesting a badge (70) from a user  Upon reading the information on this badge and their  communication to  - a tamper-evident hybrid circuit (95, 97)  connected to said reader (71)  comparing under the control of said microprocessor  ordered  a theoretical code (PIN) for accessing the functions  of the device, calculated within said circuit (95), at  from the transmitted credentials  by the reader (71)  and a code signified by user A on  said alphanumeric keyboard (10),  and authorizing A to access the functions of the device (1)  only in the event of equality between the said  theoretical codes and signified by user A. 11. Device according to one of claims 7, 8, 10 characterized in  what its said coding system (76) consists of a circuit  tamper-evident hybrid comprising at least  - a random number generator (t) for third parties, notably  a clock (18),  - and a pre-programmed message coding circuit (ft)  transmitted by a coding key from random numbers  generated. 12. Verification procedure, by banking organization B, of the proven  of the call made by A using one of the devices (1) according to  one of claims 7, 8, 10 and 11, characterized in that  - the device (1) transmits its own secret identification number  and transmits to B an identification message coded according to the  method of claim 5,  - central body B  decodes said identification message,  deduces the call number of the device inside  telecommunications network,  cut the communication in progress  and recalls the device using its ID number  tification within the telecommunications network. 13. Method intended to allow each user A to bring the  irrefutable proof of the completion of a bank transaction  which he carried out using a device according to one of the claims  7, 8, 10, 11,  said process being characterized in that, at the end of each  Bank transaction,  - the central body (B ;; 42)  records (47) the characteristics of the transaction  under a chronological number of acknowledgment of receipt  (205)  and address to user A, through said  device (1), a message (g6) comprising at least  said chronological number of acknowledgment of receipt (205),  - said device (1) prints and delivers to user A, at  using a tamper-evident printing device (100 ', 140), a  "proof of transaction ticket" (170) not modifiable com  wearing  at least said acknowledgment number (205) issued  by the central body (B, 42)  and especially  the date,  transaction time (199),  B's called number (206),  A.'s caller number (204) 14. Device (1) for consulting files and / or transactions  bank according to one of claims 7, 8, 10 and 11 characterized  in that it is further provided with an electronic printing system  that photosensitive (100 ') made up  - an electroluminescent assembly (such as a matrix 102 of  light emitting diodes 106) under the control of said  sequence control microprocessor and for  dots a luminescent image of the characters to be  to print,  - and an optical system of channeling and tocalisation  a real image of the character to be printed, arranged between  said electroluminescent assembly (106) and the active face  a photosensitive support (119) in movement (according to n)  facing said electroluminescent assembly (102.  15. Device (1) according to claim 14 for consulting files  and / or bank transactions intended to carry out the edition of  unforgeable documents such as "proof tickets (170)",  said device being characterized in that its printing system  photosensitive sensor (100 ') is connected to said communication microprocessor  device sequence command (1) via a  tamper-evident hybrid circuit from the outside (180), in particular protected  by a compact coating (175) of resin,  - carrying out the control of the electroluminescent assembly (102)  - And comprising a mutiplexer sub-assembly (130, 131)  controlling the command drivers of the anodes of the consti  kills (106) of the electroluminescent assembly (102), under  scrambled form indecipherable from the outside. 16. Device (1) for consulting files and / or transactions  bank according to claim 15, characterized in that it com  door inside a tamper-evident hybrid circuit (76, 86)  - a TV pulse detection and counting device  phonic,  - connected, via said control microprocessor  of sequences, said pho electronic printing device  tosensible (100 ') so as to join the broadcast of everything  "proof of transaction ticket" (170) the totalized state (202)  telephone pulses. 17. Device according to one of claims 7, 8, 10, 11 and 14 to 16  intended to communicate in interactive mode with at least one organ  centralized connection according to one of the methods of claims 1 to 4  and characterized in that it further comprises a hybrid circuit  tamper-evident (86), bundled with said coding system (76) of the  device and performing, under the control of said microprocessor  command, the systematic decoding of coded information to  using a random key transmitted by B. 18. Device (1, 270) according to one of claims 7, 8, 10, 11 and  14 to 17 for consulting files and / or banking transactions,  switchable into a real TELEX microphone at home,  said device being characterized in that it further comprises  - an annex printer (65) of documents  - And a data recording reader (275), in particular at  cassette,  these two subsets being connected to said microprocessor of  sequence control and under its active control so as to  allow user A  - compose a text on said alphanumeric keyboard (10),  - to check it on said video monitor. (13),  - to transmit it, via the telecommunication network  information T, to a contact B whose number has been signed  trusted by A by composition on the alphanumeric keyboard (10),  - to receive a text sent by an interlocutor A 'and to  read on the video monitor (13),  - to store in memory on said recorder (66) any text  issued or received in order to use it later,  - and finally, to edit on said auxiliary printer- (65) everything  document  sown by A,  received by A 'or by B and displayed on the video monitor  (13)  or stored on the recorder. 19. Device (1, 270) according to claim 18, characterized in that  that it communicates in TELEX mode with any other device (1,  270) of the same type in a language coded by random variable  according to the method of claim 1 and according to an algorithm  secret (ft) carried on a tamper-evident hybrid circuit (76). 20. Method of transmission of an invoice (230) by a creditor C and  to settle this invoice (230) by a debtor D user  of a device (1) according to one of claims 7, 8, 10, 17 and  14 to 19,  said process being characterized in that  - the creditor C sends to A an invoice (230) comprising a  module (81) on which are saved  his bank details,  the amount of the bill,  as well as possibly the nature of the invoice and the  date of issue,  - the debtor D detaches said magnetic module (81) from the  invoice and enters it into a reading subsystem (71,  79) of said device provided for this purpose,  - the device (71, 79) automatically performs the procedure  to settle the invoice by contacting an organization  centralized banking transaction B. 21. Device (1) according to one of claims 7, 8, 10, 11 and 14 to  19 characterized in that it further comprises a system of lec  structure (71) of said magnetic modules connected to said microprocessor  of sequence command to read information  accounting data recorded on each invoice module (81)  (230) and operate with a central banking organization B on  automatic settlement according to the method of claim 2. 22. Method according to claim 20, for paying an invoice to  using a device according to claim 21 and one of the reven  dications 8 and 10, characterized in that  - the creditor C sends to the debtor D an invoice including  a said magnetic module (81), in particular cardboard, to  conventional standard dimensions of payment badges (70),  - debtor D settles his invoice in  troducing the magnetic module (81) inside the slot  (8) of the badge reader (71) of the device (1),  said device then performing under the control of the microprocessor  order and with an organization 42 the request for payment  of the invoice (230) as indicated on the said module. 23. Magnetic invoice (230) intended to implement the method  according to claim 20 and consisting  - a standard invoice slip (232),  - to which is joined a module (81) containing in the form of ins  magnetic scratches some of the accounting data gets  relating to said invoice and in particular  the creditor's bank details (issuer of the  bill),  the amount of the bill,  and possibly the nature of the invoice and the date  resignation. 24. Form (243) of "magnetic invoice" (230) according to the claim  tion 23 consisting of a support, in particular made of paper,  - a first part of which includes a blank area (232)  intended for the traditional printing of the wording of the invoice  - and a second part of which constitutes  a detachable module (81) of said first part,  especially through incisions  and intended to contain (234) in magnetic form  accounting information relating to the invoice  (230). 25. Billing device (240) for transmitting, on a formula  according to claim 24, a magnetic invoice (230) according to the  claim 23 and comprising  - means of service on the device, by its user,  accounting data relating to the invoice, in particular  a computer (241) or an alphanumeric keyboard,  - as well as an alphanumeric printer (245) and a head  magnetic recording (256) performing on each said  billing formula (243)  one the edition of the classic invoice slip (232)  (230)  and the other the recording of said magnetic module (81)  detachable relating to the invoice (230) 26.Central body (42)  - consultation of data files  - and / or bank transactions,  intended to cooperate under the control of a central prepro-  grammar for controlling sequences with at least one device (1)  according to one of claims 7 and 8, characterized in that  - It is connected to a PABX (43) connecting with diffé  rents said devices according to one of claims 7 and 8  - and it includes a device for decoding communications  scrambled by random variables transmitted by diff  rents said devices to said central body. 27. Central body (42) according to claim 26, intended to coo  perer with at least one device according to claim 8 for  implementing the method according to claim 9, characterized  in that it further comprises at least  - a subset generating an associated theoretical indicative  each identification message sent by user A  through a said device  - and a comparator performing the comparison between  said theoretical indicative  and a code signifies said body by the user  AT. 28. Central body (42) according to one of claims 26 and 27,  intended to implement the method according to claim 12 and  characterized  - in that it further comprises a central memory (48)  associating with each decoded identification message the number  identification of the corresponding device inside said  telecommunications network  - and in that said preprogrammed system  disconnects the call in progress after each call from  device, taking account of the identification message  correspondent and deduction of said identification number  corresponding  .and call back the sending device using the number  identification deducted. 29. Central body (42) according to one of claims 26 to 28 of  consultation of data files intended to cooperate with the  at least one device according to claim 17 and characterized in that  that it further comprises a coding system (85) performing under  control of said preprogrammed system interference by varia  random wheat according to the method of one of claims 1 to 4,  consultations sent to each said device (1).