JP2000242720A - Electronic banking system with automatic updated password recognizing function - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a password to be utilized after the password is recognized as being right by recognizing an all-mighty password, which is automatically updated on the side of bank everyday, on the side of terminal equipment in the computer system of an enterprise. SOLUTION: When a user forgets a password and it is not clear even after the user asks it to a manager, an inquiry is performed to a bank as the destination of line connection. The bank automatically updates the all-mighty password everyday on the basis of a date generated by a computer in the computer system thereof but receives a notice after confirming the identity of the owner from the side of bank. Next, the user inputs the password automatically updates on that day from terminal equipment 1. A system on the side of terminal equipment 1 operates a password with the terminal equipment 1 while using the same preparation algorithm as a computer system 9 of the bank through an automatic update password recognizing means 12 and compares it with the inputted password and when they are matched, job processing by that terminal equipment 1 is made possible.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention performs a business by transmitting salary transfer data to an employee account and payment transfer data to a payee account directly from a terminal of a computer system in a company to a host computer of a bank. In an electronic banking system, the bank prepares an almighty password in case the user or administrator of the system forgets the password, but due to its security, it is automatically converted every day. Password is required. The present invention relates to an electronic banking system with an automatic updating password recognition function that inputs the password to a terminal and recognizes and makes the password usable.

[0002]

2. Description of the Related Art An electronic banking system capable of transmitting and receiving business data using a communication line connected to a bank computer system while processing operations such as payroll calculation and purchase management from a terminal of a computer system of a company. Sending the salary transfer amount directly to the employee's account, sending the payout amount to the payee's account, or transferring the deposit between bank accounts from the corporate terminal to the bank's host computer This is a system for sending money. That is, the bank transfers funds based on the transmitted data.

[0003] With this electronic banking system, funds can be easily transferred, so that a user of this system is given a password from an administrator, and a maximum transfer amount is set for each user. There are security restrictions that prevent anyone from using it freely.

[0004] However, in actual operation, a situation arises in which even a user or an administrator of the system forgets the password and cannot use the electronic banking system even if he wants to use it.

[0005] In order to prepare for such a situation, it is necessary to prepare an almighty password, but if the almighty password is also a fixed password, all of them are leaked, and an unauthorized person cannot use the password. There was a risk that funds could be transferred fraudulently using the system with a password.

Therefore, every time the date changes, a password that is automatically converted every day is required. The host computer system of the bank generates a new password every time the date changes and automatically updates the password.・ A user of the banking system contacts the bank to obtain a password. In addition,
Banks need to make sure that the recipient of the password is the legitimate right holder, and then give the password.

[0007]

The user who has obtained the password in this way can use the electronic device of the terminal.
The banking system needs to recognize this automatically updated password.

[0008] That is, an object of the electronic banking system is to provide an electronic banking system with an automatic update password recognition function for recognizing that a password is correct and making it usable.

[0009]

In order to solve the above-mentioned problems, an electronic banking system with an automatic update password recognition function according to the present invention is a system for performing business processing using a computer system of a company. A communication program setting means for connecting a communication line between a terminal of a corporate computer system and a host computer system of a bank; and a communication line connected by the communication program to transmit and receive data between the terminal and the bank. The data communication means to be performed, and a password calculated by the terminal with the same creation algorithm as that of the bank by inputting an almighty password which is automatically updated and set on a daily basis by the date at the computer system of the bank to the terminal. Is compared with, and if they match, Automatic renewal password recognition means that can perform business transactions, and can transfer salaries to employee accounts, remittances to payee accounts, and transfer funds by deposit transfer between bank accounts using the automatic renewal password. Features.

The automatic update password recognizing means includes a date obtaining means for obtaining the year, month, day and day of the year from a date generated by a computer timer of the terminal, and a numerical value temporary for generating a password. Numerical storage block generating means for generating four numerical storage blocks for storage, and the day of the week obtained by the date obtaining means is converted into a predetermined numerical value for each day of the week, and the numerical value is added to the obtained year, and Day-of-the-week addition year converting means for converting into a four-digit addition year value, two predetermined digits among the four digits of the addition year value as a first selection digit, and the remaining two digits as a second selection digit Addition year storage for storing the first and second selected digits in a predetermined first and second selected digit storage block from among the four numerical value storage blocks, respectively. And if the acquisition date is an even-numbered day, the remaining two storage blocks in the four numeric storage blocks except the first selected digit storage block and the second selected digit storage block are shifted to a predetermined acquisition month storage block. A two-digit acquisition month is accumulated, and a two-digit acquisition date is accumulated in the remaining acquisition date accumulation block. If the acquisition date is an odd number, the acquisition date is stored in the acquisition month accumulation block, and the acquisition date is acquired. Month / day accumulating means for accumulating the acquired month in the accumulating block; first-order value of the predetermined accumulating block from the four 2-digit numerical accumulating blocks; and other accumulating blocks excluding the accumulating block The sum of the tens digit of the predetermined storage block and the sum of the tens digit of the storage block is set as the first character of the password. Value and its accumulation block The sum of the tens digit of the predetermined storage block from among the other storage blocks is set as the second character of the password. The sum of the value of the first place and the value of the tens place of the predetermined storage block from the other storage blocks excluding the storage block is set as the third character of the password, and the remaining unused characters are used. Comparing a password generated by the password generation unit with the sum of the first digit value and the tens digit of the storage block as the fourth character, and the password generated by the password generation unit and the password input to the terminal; And a password comparison means for operating the electronic banking system when the passwords match.

[0011]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 shows a block diagram of an embodiment of an electronic banking system with an automatic update password recognition function according to the present invention.

Here, reference numeral 10 denotes a computer system for business use, and 1 denotes its terminal, which is controlled by Windows NT, 95, 98, etc., and can load various business programs. 5 is local
Area network (LAN), for example, 100 BAS
E, a transmission line, 6 is a Windows NT server, 7 is, for example, an ISDN terminal or router or a computer having the function thereof, 9 is a host computer system of a bank, 8 is, for example, a computer system 10 between a company and a computer system 9 of a bank. ISDN communication line.

The terminal 1 includes an automatic update password recognizing means 12, a communication program setting means 13 and a data communication means 14, respectively.

Here, when the password is forgotten, an electronic banking with an automatic update password recognition function is provided.
The operation of the system is as follows.

First, if the user forgets the password and is still unclear when asking the administrator, an inquiry is made to the bank to which the line is connected.

In a bank, the almighty password is automatically updated every day based on the date generated by the computer in the computer system. However, the password is confirmed by the bank to be notified of the right holder, and the bank is notified. .

Next, the user inputs the password automatically updated on that day from the terminal 1. The system on the terminal 1 side calculates the password by the automatic update password recognizing means 12 using the same algorithm as the computer system 9 of the bank, compares the password with the entered password, and if the passwords match, the terminal 1 Enables business processing.

Thereafter, the operation of the ordinary electronic banking system becomes possible, and the communication program setting means 13 and the data communication means 14 transfer the salary to the employee account, transfer the payment to the payee account, Funds can be transferred by deposit transfer between them.

Next, the automatic update password recognition means of the terminal 1 will be described in detail.

When the terminal 1 is used for the first time, there is a password input request, but when the bank's almighty password is input, the terminal 1 compares the password with the almighty password of the bank. Enter calculation.

1. The year and the month and day and the day of the week are acquired by the date acquiring means.

2. In addition, four numerical value accumulation blocks required for generating a password are provided. These are the first, second, third and fourth blocks, respectively.

3. The acquired day of the week is converted to a numerical value, and added to the year in the Christian era to obtain a four-digit numerical value. Each day of the week and its numerical value are determined in advance.

An example of this simple case will be described below. Sunday 10 Monday 11 Tuesday 12 Wednesday 13 Thursday 14 Friday 15 Saturday 16

4. Add the day of the week converted to a number in the year
Create a digit number. Two digits of the four-digit numerical value are set in advance and set as the first selected digit, and the remaining two digits are set as the second selected digit. The first selected digit and the second selected digit are stored in the first selected digit storage block and the second selected digit storage block, respectively.

The following is an example of a simple case. The first two digits are determined as the first selected digit, the remaining two digits are determined as the second selected digit, the first block is determined as the first selected digit storage block, and the third block is determined as the second selected digit storage block. Is defined as follows. The first two digits of the four digits of the day-of-week addition year value are stored in the first block, and the remaining two digits are stored in the third block.

5. If the acquisition date is an even number day, the acquisition month is changed from the remaining accumulation blocks except the accumulation block used in step 4 to the predetermined acquisition month accumulation block. It accumulates and accumulates the acquisition date in the remaining acquisition date accumulation block. If the acquisition date is an odd day, the storage block destination is reversed.

The following is an example of a simple case. In the case of the example described in 4. and when the acquisition date is an even-numbered day, if the second block is previously determined as the acquisition month accumulation block from the unused accumulation blocks, that is, the second and fourth blocks, the fourth block is obtained.
The block is an acquisition date accumulation block.

6. Next, the four storage blocks have numerical values of two digits each. The four digits are extracted one digit at a time as follows, and a four-character password is generated.

The first character is the sum of the predetermined value of the first place of the storage block and the value of the tenth place of the other storage blocks excluding the storage block.

The second character is a value of the first place of the predetermined storage block from the storage blocks not yet used in the first place, and is used in the tens place except for the storage block. It is the sum of the values of the tens place of the storage block that has not been used.

The third character is used in the tens place except for the value of the first place of the predetermined storage block from among the storage blocks not yet used in the first place and the storage block. It is the sum of the values of the tens place of the storage block that has not been used.

The fourth character is the sum of the first place value of the unused storage block and the tens place value of the unused storage block.

The following is an example of a simple case. First character. The sum of the tens place of the first block and the ones place of the third block. Second character. The sum of the tens place of the second block and the ones place of the fourth block. Third character. The sum of the tens place of the fourth block and the ones place of the first block. The fourth character. The sum of the tens place of the third block and the ones place of the second block.

As described above, the four-character password is generated. If the password is compared with the password previously input to the terminal 1, the electronic banking system can be used if it matches. You can send and receive data to and from banks.

Finally, a specific example of password generation in the terminal 1 system will be described below. Acquisition date is 199
The date is December 31, 9 (Fri). First, the calculation result from the example of the above 3. is 1999 + 15 = 2014. Next, from the example of the above 4., the first block is "20" and the third block is "14". Next, from the example of the above 5, the second block is “31” and the fourth block is “12”. This is shown in FIG. The first character of the password is 2 + 4 = 6. The second character of the password is 3 + 2 = 5. The third character of the password is 0 + 1 = 1. The fourth character of the password is 1 + 1 = 2. Therefore, the four-digit password is “6512”.

The password is generated in the manner described above.
(B) The combination of digits in the year, (c) the storage destination in the storage block, and (d) the password is generated from one of the many combinations such as the combination of the storage block and password character generation. It is.

[0038]

The electronic banking system with the automatic update password recognition function of the present invention has the following effects. That is, if you forget your password,
It is absolutely necessary to contact the bank, but this password is an almighty password and must be updated automatically by the bank every day to maintain security. Since this automatic update password can be recognized on the terminal side of the computer system of the company, the password can be used immediately after inputting the password inquired of the bank.

[Brief description of the drawings]

FIG. 1 is a block diagram of an embodiment of an electronic banking system with an automatic update password recognition function of the present invention.

FIG. 2 is a diagram illustrating a specific example of password generation in the terminal of FIG. 1;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Terminal 5 LAN 6 Windows NT server 7 ISDN terminal 8 ISDN communication line 9 Bank host computer system 10 Corporate computer system 12 Automatic update password recognition means 13 Communication program setting means 14 Data communication means

 ──────────────────────────────────────────────────続 き Continued on the front page (72) Inventor Tomohisa Takahashi 2-1-1, Nishi-Shinjuku, Shinjuku-ku, Tokyo F-term (reference) 5b055 CB09 CB10 EE12 EE15 EE21 EE27 EE29 HA11 HC13 HC13 5B085 AE01 AE08

Claims (2)

[Claims] 1. Using a computer system of a company,
A communication program setting means for enabling a communication line between a terminal of a computer system of the company and a host computer system of a bank to be connectable; and A data communication means for transmitting and receiving data between the machine and the bank; and an almighty password which is automatically updated and set on a daily basis by a computer system of the bank on a daily basis, and is input to the terminal device. In the terminal, a comparison is made with the password calculated by the terminal, and if the password matches, an automatic update password recognizing means that enables business processing by the terminal is provided, and a salary transfer to an employee account by the automatic update password is provided. Transfer funds to payee accounts, transfer funds by deposit transfer between bank accounts Electronic banking system with automatic update password recognition function, characterized in that it can be carried out. 2. The automatic update password recognizing means includes: date obtaining means for obtaining the year, month, day and day of the year from a date generated by a computer timer of the terminal; Numerical storage block generating means for generating four numerical storage blocks for storage; converting the day of the week obtained by the date obtaining means into a predetermined numerical value for each day of the week; adding the numerical value to the obtained Christian year; Day-of-the-week addition year conversion means for converting into a four-digit addition year value; two predetermined digits among the four digits of the addition year value as the first selection digits; and the remaining two digits as the second selection digits. age,
Addition year storage means for storing a first selected digit and a second selected digit respectively in a predetermined first selected digit storage block and a second selected digit storage block from the four numerical value storage blocks; In the case of an even-numbered day, an acquisition month in which the remaining two accumulation blocks excluding the first selected digit accumulation block and the second selected digit accumulation block in the four numerical accumulation blocks are set to two digits to a predetermined acquisition month accumulation block. Accumulate, accumulate the acquisition date in two digits in the remaining acquisition date accumulation block, and accumulate the acquisition date in the acquisition month accumulation block and the acquisition month in the acquisition date accumulation block when the acquisition date is an odd number day Date and time storage means, and a first place value of a predetermined storage block from the four two-digit numerical storage blocks and a predetermined storage block from other storage blocks excluding the storage block. Bro The sum of the position of the value of tens of click as the first character of the password,
Next, except for the digit used above, the value of the first place of the storage block similarly determined in advance, and the value of the tens place of the predetermined storage block from other storage blocks excluding the storage block. Is the second character of the password, and then, except for the digits used up to the above, the value of the first place of the storage block similarly determined in advance and the value of the other storage blocks excluding the storage block. , The sum of the predetermined value of the storage block and the value of the tens place is set as the third character of the password, and then the value of the ones place and the value of the tens place of the remaining unused storage blocks are used. Password generating means having the sum as the fourth character; and password comparing means for comparing the password generated by the password generating means with the password input to the terminal, and when the passwords match, the electronic banking system operates. When The electronic banking system with an automatic update password recognition function according to claim 1, further comprising: