JP3062713U - Electronic banking device with automatic update password recognition function - Google Patents

Abstract

(57) [Summary] [PROBLEMS] To provide an electronic banking device for directly transmitting and receiving data relating to a money amount from a bank and a terminal, when the password is forgotten, a device which enables data transmission and reception with a password updated daily. SOLUTION: A daily updated password generated by a host computer system of a bank is input to a terminal of an electronic banking apparatus, and the system calculates the password from the computer date using the same algorithm as that of the bank, inputs the password, and inputs the password. If it matches, the device is usable.

Description

[Detailed description of the invention]

[0001]

[Technical field to which the invention belongs]

 The present invention relates to an electronic banking device that transmits salary transfer data to an employee account and payment transfer data to a payee account directly from a computer computer terminal in a company to a bank host computer. Therefore, in case the system user or administrator forgets the password, the bank prepares an almighty password, but from the viewpoint of security, it is necessary to have a password that is automatically converted every day. Become. The present invention relates to an electronic banking device with an automatic renewal password recognition function that inputs the password to a terminal, and the device recognizes the password and makes it usable.

[0002]

[Prior art]

 An electronic banking device that can transmit and receive business data using the communication line connected to the bank's computer system while processing tasks such as payroll calculation and purchase management from the terminal of the company's computer system. The machine sends the salary transfer amount directly to the employee's account, the payout amount to the payee's account, or the transfer amount of the deposit between bank accounts to the bank's host computer. It is a system to make it. That is, the bank transfers funds based on the transmitted data.

[0003] If this electronic banking device is used, 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.

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 device even if he wants to use it.

In order to prepare for such a situation, it is necessary to prepare an almighty password, but if this almighty password is also a fixed password, it will be leaked, and an unauthorized person will be able to use the password. There was a risk that funds could be transferred illegally using the device with a computer.

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 an electronic banking device contacts a bank to obtain a password. It is necessary for the bank to notify the password after confirming that the recipient of the password is a valid right holder.

[0007]

[Problems to be solved by the invention]

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

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

[0009]

[Means for Solving the Problems]

 In order to solve the above-mentioned problems, the electronic banking device with automatic renewal password recognition function of the present invention is a device for performing business processing using a company computer system, and includes a terminal of the company computer system and a bank. Communication program setting means for enabling a communication line between the host computer systems to be connectable; data communication means for connecting the communication line by the communication program to transmit and receive data between the terminal and the bank; By entering into the terminal a password that has been automatically updated and set daily according to the date on the computer system, the password is compared with the password calculated by the terminal using the same creation algorithm as that of the bank. Automatic update path that enables business processing by the terminal if they match Word recognition means, wherein the automatic update password recognition means includes: a date obtaining means for generating a date by the timer of the terminal; and a year for obtaining the day of the week obtained by the means to a predetermined number for each day of the week. Day addition year converting means for adding the number of times and converting it into a numerical value of 4 or more digits, four numerical value storage block generating means for generating a password, and four predetermined numerical values from the n-digit numerical value The first two digits of the first and second digits are the first selected digit, and the remaining two digits are the second selected digit, respectively, and additional year storage means for storing the four stored blocks in predetermined first and second blocks, respectively. When the acquisition date is an even number day, the acquisition month is accumulated in a predetermined third block of the remaining accumulation blocks, the acquisition date is accumulated in the fourth block, and vice versa when the odd number day. Date and time storage means, Password generating means for generating four combinations of the first place and the tens place of the product block and taking the sum of the first place and the tens place in the order of generation to generate four characters from the first to the fourth character And password comparing means for comparing the generated password with the password input to the terminal. The payroll transfer to the employee account, the transfer of the payment to the payee account, and the deposit between the bank accounts by the automatically updated password. It is characterized in that funds can be transferred by transfer.

[0010]

[Embodiment of the invention]

 Hereinafter, an embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram of an embodiment of the electronic banking device with an automatic updating password recognition function of the present invention.

Here, reference numeral 10 denotes a computer system for business use of a company and an electronic banking device with an automatic update password recognition function, and 1 denotes a terminal thereof, which is controlled by Windows NT, 95, 98 and the like, respectively. Business programs can be loaded. Reference numeral 5 denotes a transmission line of a local area network (LAN) such as 100 BASE, etc., 6 denotes a Windows NT server, 7 denotes, for example, an ISDN terminal or router or a computer having the function, 9 denotes a bank host computer system, 8 Is an ISDN communication line between the electronic banking device 10 and the computer system 9 of the bank.

The terminal 1 includes an automatic update password recognition unit 12, a communication program setting unit 13, and a data communication unit 14.

Here, the operation of the electronic banking device 10 with the automatic update password recognition function when the password is forgotten is as follows.

First, if the user forgets the password and if the password is unknown even after asking the administrator, an inquiry is made to the bank to which the line is connected.

The bank automatically updates the almighty password on a daily basis on the computer system based on the date generated by the computer, but when the bank confirms that it is the right holder, it receives a notification from the bank. Become.

Next, the user inputs the password automatically updated on the current day from the terminal 1. The system on the terminal 1 side uses the same update algorithm as the computer system 9 of the bank by the automatic renewal password recognizing means 12 to calculate the password on the terminal 1 and compare it with the entered password. Business processing can be performed.

Thereafter, the normal operation of the electronic banking device 10 with automatic renewal password recognition function becomes possible. Funds can be transferred by payment transfer or deposit transfer between bank accounts.

Next, the automatic update password recognizing means 12 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 all-in-one password is entered, the terminal 1 compares it with the password, so that the password generation using the same algorithm as the bank side as follows is performed. Enter the calculation.

(1) The year and the month, day, and day of the year are acquired by the date acquiring means.

(2) In addition, four numerical value accumulation blocks necessary 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 into a numerical value, and added to the year in the Christian era to obtain a 4-digit numerical value. Each day and its value are determined in advance.

An example of this simple case is shown below. Here, a two-digit numerical value is used as a specific example, but it is actually a numerical value of one digit or more and n digits. Sunday 10 Monday 11 Tuesday 12 Wednesday 13 Thursday 14 Friday 15 Saturday 16

(4) By adding the day of the week converted into a numerical value to the year, a numerical value of 4 digits or more and n digits is created. Two of the n-digit numbers are determined in advance and set as the first selected digit, and the remaining n-2 digits are determined in advance as the second selected digit, and the four numerical values created in (2) are stored. The first selected digit and the second selected digit are stored in a predetermined first selected digit storage block and a second selected digit storage block in the block, respectively.

An example of a simple case is shown below. The first two digits are determined as the first selected digit with n digits as four digits, the remaining two digits are determined as the second selected digit, then the first block is determined as the first selected digit storage block, and the second selected digit is determined. If the third block is determined as the storage block, the following is obtained. The first two digits of the four-digit day of the week value are stored in the first block, and the remaining two digits are stored in the third block.

(5) Next, when the acquisition date is an even-numbered day, from the remaining storage blocks in the storage blocks except the storage block used in (4) to the predetermined acquisition month storage block. The acquisition month is accumulated, and the acquisition date is accumulated in the remaining acquisition date accumulation block. If the acquisition date is an odd day, the storage block destination is reversed.

An example of a simple case is shown below. In the case of the example described in (4) and when the acquisition date is an even-numbered day, if the second block is determined in advance as an acquisition month accumulation block from unused storage blocks, that is, the second and fourth blocks, The fourth block is the acquisition date accumulation block.

(6) Next, there are two digits in each of the four storage blocks, but one digit is taken out as follows, and a four-character password is generated.

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

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

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

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.

An example of a simple case is shown below. 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. If the sum has two digits, the first digit is the character.

As described above, a four-character password is generated. If the password is compared with the password previously input to the terminal 1, the electronic banking device can be used and the bank can be used. Data can be transmitted to and received from

Finally, a specific example of password generation in the terminal 1 system will be described below. The acquisition date is set to be Friday, December 31, 1999. 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 as described above. The password must be determined in advance. (A) Conversion of the day of the week and one or more n-digit numbers, (b) the combination of the digits of the year, and (c) the storage block The password is generated from one of the setting conditions in many combinations, such as the storage destination in the network and (d) the combination of the generation of the password character from the storage block.

[0037]

[Effect of the invention]

 The electronic banking device with automatic renewal password recognition function of the present invention has the following effects. In other words, if you forget your password, you must contact the bank. However, this password is an almighty password that 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 company's computer system, the device can be used immediately after the password entered in the bank is entered.

[Brief description of the drawings]

FIG. 1 is a block diagram of an embodiment of an electronic banking device 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, electronic banking device with automatic update password recognition function 12 Automatic update password recognition means 13 Communication program setting means 14 Data communication means

Claims (1)

[Utility model registration claims] 1. Using a computer system of a company,
A communication program setting means for connecting a communication line between a terminal of a computer system of the company and a host computer system of a bank, and a communication line connected by the communication program; 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 performed with the password calculated by the terminal, and if the passwords match, an automatic update password recognizing means is provided which enables business processing by the terminal. Date acquisition means for the generation date by the timer, and the day of the week acquired by the means A day-of-week-added year converting means for adding the obtained year to a predetermined number every predetermined number of times and converting it into a numerical value of 4 digits or more and n digits; four numerical value accumulation block generating means for generating a password; The first two of the predetermined four digits from the n-digit numerical value are the first selected digit, and the remaining two are the second selected digit. The first and second predetermined blocks of the four storage blocks, respectively. Addition year accumulating means for accumulating the acquisition month, and when the acquisition date is an even number day, the acquisition month is accumulated in a predetermined third block of the remaining accumulation blocks, and the acquisition date is accumulated in the fourth block. Conversely, the date storage means for storing the data and the four combinations of the first place and the tens place of the storage block which are different in the predetermined block order are generated, and the sum of the first place and the tens place is obtained in the order of generation. To generate 4 characters from 1st to 4th characters And a password comparing means for comparing the generated password with the password input to the terminal, wherein a payroll transfer to an employee account, a payment transfer to a payee account, and a An electronic banking device with an automatic update password recognition function, wherein funds can be transferred by deposit transfer.