JPH04104368U - portable terminal - Google Patents

Abstract

(57) [Summary] [Purpose] To prevent transaction instruction information obtained from a portable terminal from being leaked to others. [Structure] An acoustic signal output section 30 that generates an acoustic signal and drives a speaker 32, and an acoustic signal input section 31 that converts an acoustic signal detected by a microphone 33 into a digital signal are prepared, and a transaction instruction is sent to a higher-level device. It outputs an acoustic signal corresponding to the information, and converts the acoustic signal indicating the transaction result information notified from the host device into a digital signal.

Description

[Detailed explanation of the idea]

0001

[Industrial application field]

This invention is a portable device that uses an IC card to communicate information with a host device. Regarding the terminal.

0002

[Conventional technology]

When processing transactions at financial institutions, etc., customers must If you go to a counter and ask for assistance from a bank employee, or at a branch or public facility outside the branch, Various methods can be used, such as when customers operate automated transaction devices installed at are doing.

0003 When operating an automatic transaction device to perform transaction processing, a transaction medium is used. this An IC card can be cited as one of the transaction media.

0004 This IC card can record a lot of information, such as account balances and Transaction history details etc. can be recorded.

[0005] On the other hand, due to the spread of various communication networks and advances in miniaturization technology for information processing equipment, sales offices and Methods of processing transactions without having to go to the location where automated transaction equipment is installed, such as tele- Phone services etc. are provided.

[0006] Furthermore, the IC card and the reading and writing of information recorded on this IC card. An example of this is transaction processing using a portable terminal. child The portable terminal is the size of a typical notebook so that it can be easily carried around. is available.

[0007] Note that the mobile terminal has access to the host device required to execute transaction processing. Since there is no function to process transactions, the information necessary for transaction processing must be obtained using a mobile terminal. Actual transaction processing operations (execution) will be performed using a telephone service. In this case, there are cases where the transaction process is proceeded by the customer's voice, and cases where the phone has DTMF (Dual Tone Multi Frequency) Transaction processing may proceed using the button.

[0008] FIG. 2 shows an explanatory diagram of portable terminal transactions. As shown in the figure, a host device (upper device) 20 is connected to a telephone via a public network 21. machine 22 is connected.

[0009] The host device 20 centrally manages transaction processing carried out at sales offices, etc. . The public network 21 is a communication line that accommodates public telephones and general subscribers. telephone 2 2 assumes that the public telephone is equipped with a function to generate DTMF signals. do.

0010 When executing transaction processing using the telephone 22, the mobile phone equipped with the IC card 24 Transaction instructions transmitted from the telephone 22 to the host device 21 by operating the mobile terminal 23 It is necessary to acquire display information.

[0011] FIG. 3 shows a block diagram of a conventional portable terminal 23. The portable terminal 23 shown in the figure includes a processor (CPU) 1 and a Connected ROM2, RAM3, keyboard (KEY)4, LCD (Liquid Cryst al Display) Controller 5, IC card interface (IC card I/F) 10, connected to the card sensor 11, battery BT, and LCD controller 5; An LCD display 6 and a video RAM (VRAM) 7 are provided.

0012 The CPU 1 controls each part of the portable terminal 23. R.O. M2 stores programs, data, etc. referred to by the CPU 1. R.A. M3 temporarily stores information input from KEY4 and IC card I/F10, which will be explained later. It is something to remember.

[0013] KEY4 consists of various keys prepared for inputting numbers, characters, etc. It is something. The LCD controller 5 displays the contents of the video RAM 7 on the LCD display 6. This controls the display on the screen.

[0014] The LCD display 6 is a display device composed of predetermined dots. VRAM7 is used to store image data to be displayed on the LCD display 6.

[0015] The IC card I/F 10 is used to access the IC card 24. mosquito The card sensor 11 detects that the IC card 24 is inserted into the IC card I/F 10. It is something to know. The battery BT also supplies driving power for the portable terminal 23. It is.

[0016] In the portable terminal 23 having the above configuration, for example, the dial button of the telephone 22 can be pressed. When attempting to perform transaction processing by operation, turn on the power of the portable terminal 23 and The IC card 24 is attached to the C card I/F 10.

[0017] The CPU 1 of the portable terminal 23 detects the IC card based on the output signal of the card sensor 11. When it recognizes that the IC card 24 has been inserted, it detects whether the IC card 24 is compatible with transaction processing or not. In other words, it is determined whether the card is issued by a financial institution, for example.

[0018] Then, by referring to the contents of ROM2, it is necessary to enter the PIN number and execute transaction processing. Control is performed to display on the LCD display 6 content prompting the input of information. This display The customer who recognizes this will operate KEY4 and input various information.

[0019] CPU1 temporarily stores the information input from KEY4 in RAM3, and The information should be subjected to predetermined arithmetic processing and notified to the host device 20. Generate trading instruction information. This transaction instruction information is displayed on the LCD display 6 and Make customers aware.

[0020] The customer operates the dial button on the telephone 22 to read the content displayed on the LCD display 6. The host device 20 will be notified of this. The host device 20 receives transaction instruction information. If it is determined that it is possible to carry out the transaction processing desired by the customer, the judgment result ( (recognition processing result) is notified to the telephone 22.

[0021] When the customer recognizes the judgment result notified to the telephone 22. Key 4 to its contents and input it into the portable terminal 23. When the CPU 1 receives the judgment result, it The predetermined calculation is executed again according to the judgment result, and the result is displayed on the LCD display. It is displayed on the display 6. The customer can use the dial button again to change the displayed content. This will be notified to the target device 20.

[0022] Then, the host device 20 completes the transaction processing and sends the transaction result information to the telephone 22. Notify the target. The customer transmits the contents of this notification to the portable terminal 23 by operating the KEY4. The mobile terminal 23 updates the contents of the IC card 24 to process the transaction. ends.

[0023]

[Problem that the idea aims to solve]

Conventionally, the portable terminal 23 itself has a function to access the host device 20, However, it does not have the ability to conduct online transactions. For this reason, mobile devices Notifications to the host device 20 of transaction instruction information etc. obtained by operating the It was necessary to notify by voice or operate the telephone 22.

[0024] Therefore, there is a risk that information that only the customer should know may be leaked to others, making it safer. It was hoped that a complete transaction would be realized.

[0025] This invention was developed with the above points in mind, and the information necessary for transactions may be leaked to others. We aim to provide a portable terminal that can prevent This was done for the purpose of

[0026]

[Means to solve the problem]

The portable terminal of the present invention is an IC card equipped with an IC card that stores transaction result information. the IC card is installed and connected to the host device. Acoustic signal output that converts into an acoustic signal for inputting transaction instruction information into the mouthpiece of the telephone. converting the acoustic signal output from the power section and the earpiece of the telephone into the transaction result information; the contents of the IC card and input from a separate input means. a generation control unit that generates the transaction instruction information based on input information; and a generation control unit that generates the transaction instruction information based on input information; The IC card includes a storage control unit that stores information in the IC card.

[0027]

[Effect]

An acoustic signal output section that generates an acoustic signal and drives a speaker, and an acoustic signal output section that generates an acoustic signal and drives a speaker, and Prepare an audio signal input section that converts the received audio signal into a digital signal and send it to the host device. It outputs an acoustic signal corresponding to the transaction instruction information to be notified, and also receives notification from the host device. The acoustic signal indicating transaction result information is converted into a digital signal.

[0028]

【Example】

Hereinafter, the present invention will be explained in detail using the drawings. Note that the portable terminal of the present invention is used with the configuration previously explained in FIG. Ru. Therefore, the host device 20 is accessed via the telephone 22 and the public network 21 shown in FIG. shall be accessed.

[0029] FIG. 1 is a block diagram of a portable terminal according to the present invention. The portable terminal 25 shown in the figure includes a processor (CPU) 1 and a Connected ROM2, RAM3, keyboard (KEY)4, LCD (Liquid Cryst al Display) Controller 5, IC card interface (IC card I/F) 10, card sensor 11, acoustic signal output section 30, acoustic signal input section 31, battery -BT, LCD display 6 connected to LCD controller 5, video RAM ( VRAM) 7, a speaker 32 connected to the audio signal output section, and an audio signal input section 31 A microphone 33 connected to is provided.

[0030] The CPU 1 controls each part constituting the portable terminal 23, and performs generation control. A storage control section 1a and a storage control section 1b are provided.

[0031] The generation control unit 1a generates transaction instruction information to be notified to the host device 20. Is Umono. The storage control unit 1b controls storage of transaction result information in the IC card 24. This is what we do.

[0032] ROM2 stores programs, data, etc. referred to by CPU1. . RAM3 stores information input from KEY4 and IC card I/F10, which will be explained later. It is used to temporarily store information. KEY4 consists of various keys prepared for inputting numbers, characters, etc. It is something.

[0033] LCD controller 5 displays the contents of video RAM 7 on LCD display 6 It is for controlling. The LCD display 6 is a display composed of predetermined dots. It is a device. VRAM 7 stores image data to be displayed on the LCD display 6 It is something to do.

[0034] The IC card I/F 10 is used to access the IC card 24. mosquito The card sensor 11 detects that the IC card 24 is inserted into the IC card I/F 10. It is something to know. The battery BT also supplies driving power for the portable terminal 25. It is.

[0035] The acoustic signal output unit 30 outputs transaction instruction information to be notified to the host device 20 by acoustic signal. (DTMF signal) and drives the speaker 32. speaker 32 is for generating an acoustic signal.

[0036] The acoustic signal input unit 31 receives an acoustic signal (DTMF signal) detected by the microphone 33. ) into transaction result information. The microphone 33 detects acoustic signals. Is Umono.

[0037] FIG. I will explain while referring to it.

[0038] FIG. 4 is a flowchart according to the present invention. First, when the IC card 24 is inserted into the portable terminal 25, the CPU 1 Check whether the IC card 24 is valid for transaction processing (step Step S1). This check can be used, for example, for credit cards that cannot process transactions for financial institutions. This is a process to detect cases where an IC card for access has been inserted. .

[0039] In step S2, it is determined whether or not the IC card 24 is valid. If the result is YES, the CPU 1 displays mutual authentication with the host device 20 on the LCD display 6. A display prompting you to enter your PIN will be displayed, and if you do not enter your PIN from KEY4, (Step S3), you will be prompted to enter the transaction code, amount, etc., and from KEY4 Waits for input (step S4). This information is stored in a predetermined area on RAM3. will be paid.

[0040] When the input by KEY4 is completed, the generation control unit 1a of the CPU 1 stores data in the RAM3. Performs specified calculations on the stored PIN, transaction code, transaction amount, etc., and issues transaction instructions. Information (mutual authentication data) is generated and notified to the audio signal output unit 30.

[0041] The acoustic signal output unit 30 converts the transaction instruction information into an acoustic signal (DTMF signal), The speaker 32 is driven and output (step S5). This acoustic signal is transmitted to the telephone 2 The host device 20 is notified through the mouthpiece No. 2.

[0042] On the host device 20 (HOST) side, when the transaction instruction information is received, the portable terminal Determine whether or not the transaction processing requested by ) is notified to the portable terminal 25 by a DTMF signal through the earpiece of the telephone 22. .

[0043] The portable terminal 25 detects the DTMF signal with the microphone 33 and inputs the acoustic signal. In the section 31, the CPU 1 converts the information into digital information that can be handled by the CPU 1. Notify U1 (step S6). CPU1 analyzes the content of the notification and sends it to the host. It is determined whether the transaction is permitted on the device 20 side (step S7). This result is If YES, CPU 1 collects the transaction data necessary for the transaction in order to complete the transaction process. generates data, drives the acoustic signal output unit 30, and notifies the host device 20 ( Step S8). The host device 20 executes transaction processing such as updating files, Transaction result information is notified to the portable terminal 25.

[0044] In the portable terminal 25, the transaction result information is input as digital information in the audio input section 31. The information is converted into information and recognized by the CPU 1. In the storage control unit 1b of the CPU 1, the transaction conclusion It is determined whether reception of the result information has been completed (step S10), and if the result is YES, the If so, the process related to communication with the host device 20 is finished, and the transaction result information is transferred to the IC card 2. Perform processing such as storing in 4.

[0045] Note that if NO is determined in steps S2, S7, and S10, the transaction Errors such as displaying on the LCD display 6 that an error has occurred during processing – performs processing and ends processing.

[0046] As mentioned above, the customer operates the telephone 22 to input information necessary for transaction processing. There is no need to enter the information into the portable terminal device first, and the telephone 22 By pointing the speaker 32 at the mouthpiece and the microphone 33 at the earpiece, The pull process can be completed.

[0047] The present invention is not limited to the above embodiments. In the embodiment, the audio signal output section 30 and the audio signal input section 31 are configured to output digital signals. By providing components that can mutually convert acoustic signals, Can be summarized. Further, the acoustic signal is not limited to a DTMF signal, but for example, The information may be expressed by a signal with a certain frequency.

[0048]

[Effect of the idea]

As explained above, the portable terminal of the present invention can be used once the information necessary for transaction processing is input. Once the transaction is complete, the device automatically communicates with the host device via the phone to process the transaction. In order to proceed with the transaction, the customer does not need to speak or operate a telephone, etc. It is possible to avoid a situation where information is leaked.

[Brief explanation of drawings]

FIG. 1 is a block diagram of a portable terminal of the present invention.

FIG. 2 is an explanatory diagram of a portable terminal transaction.

FIG. 3 is a block diagram of a conventional portable terminal.

FIG. 4 is a flowchart according to the present invention.

[Explanation of symbols]

30 Sound signal output section 31 Sound signal input section 32 Speaker 33 Mike

──────────────────────────────────────────────── ─── Continuation of front page (72) Creator Takafumi Kobayashi N. 1-26-5 Toranomon, Minato-ku, Tokyo Within TA Data Communications Co., Ltd.

Claims (1)

[Scope of utility model registration request] 1. An IC card interface for mounting an IC card storing transaction result information, and an IC card interface for inputting transaction instruction information into the mouthpiece of a telephone to which the IC card is mounted and connected to a host device. an audio signal output unit that converts the audio signal into an audio signal; an audio signal input unit that converts the audio signal output from the earpiece of the telephone into the transaction result information;
The present invention further includes: a generation control unit that generates the transaction instruction information based on the contents of the IC card and input information input from a separate input means; and a storage control unit that stores the transaction result information in the IC card. A portable terminal with special features.