JPH04233647A - Portable terminal equipment - Google Patents

Abstract

PURPOSE:To present the portable terminal equipment with high security to exchange information with the host computer of a bank or the like without using a telephone at a visiting destination. CONSTITUTION:A radio communication means is provided and when the normality of confirming information inputted from a key input means is confirmed by collation with identification information stored in an IC card, the radio communication means exchanges the data through a radio base station to the host computer. Even when no telephone is installed at the entrance of the visiting destination, the work is executed without any trouble and simultaneously, the problem of charging a call tariff to the customer side is resolved as well.

Description

[Detailed description of the invention]

0001

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a portable terminal device, and more particularly, to a portable terminal device used by a sales representative of a bank or the like at a place he or she visits.

0002

2. Description of the Related Art A sales representative at a bank or the like visits a customer's home with a portable terminal device equipped with a reader/writer for the bankbook's magnetic stripe, a modem, etc., and performs tasks such as depositing money and making entries in the bankbook. In such cases, the sales representative borrows a telephone at the customer's home and conducts business by connecting the portable terminal device to the bank's host computer via a telephone line.

[0003] However, depending on the place you visit, there may be cases where there is no telephone at the entrance or there is no telephone. In addition, borrowing a telephone at a customer's home causes the problem that the call charges are borne by the customer.

0004

[Problem to be Solved by the Invention] The present invention is intended to solve the problems of the prior art as described above. The purpose of the present invention is to provide a portable terminal device that can perform the following tasks.

[0005]

[Means for Solving the Problems] The features of the portable terminal device of the present invention for achieving this object include a processor;
A wireless base station in a portable terminal device having a key input means, a memory storing a business processing program, an IC card connection part, and an interface for exchanging data between the IC card connection part and a processor. The processor is equipped with a wireless communication means for wirelessly exchanging data with a host computer via the processor, and a communication control section for exchanging data between the wireless communication means and the processor. The processor is connected to the IC card connection section.
The identification information stored in the C card is compared with the information input from the key input means, and after the result of the comparison process is transmitted to the host computer using the wireless communication means, the business processing program is executed. The processor encrypts data to be sent to the host computer and decrypts data received from the host computer based on key information stored in the memory inside the IC card connected to the IC card connection section. It's okay.

[0006]

[Effect] Since wireless communication processing is performed after verifying with the IC card, the security of the processing is improved.Moreover, the wireless communication means transmits and receives data to and from a wireless base station, and via this wireless base station, hosts such as banks, etc. Since data is exchanged with a computer, it is possible to conduct business without having to borrow a telephone at the place you visit.

[0007]

DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the portable terminal device of the present invention will be described in detail below with reference to the drawings. FIG. 1 is a block diagram showing the configuration of an embodiment of the present invention, and FIG.
is a perspective view of its appearance. A processor 29 inside the main body 1 of the portable terminal device is connected to a memory section 28, a printer control section 22, a memory card reader, etc. via a system bus 30.
Writer section 23, display 26, keyboard 27, I
It is interconnected with the C card reader/writer section 24, the magnetic stripe reader/writer control section 25, and the wireless communication control section 21. The printer 11 is used to print on bankbooks, slips, etc., and is connected to a printer control section 22. The magnetic stripe reader/writer 14 is for reading and writing bankbooks, magnetic cards, etc., and is connected to the magnetic stripe reader/writer control section 25 . The IC card reader/writer section 24 has an IC card insertion slot 33 (see FIG. 2), into which an IC card 13 owned by a customer or a sales representative is inserted. This IC card 13
The internal memory of the IC card contains the issuer, expiration date,
Confirmation information (PIN) such as the number of errors, business identification information, owner's name, address, and password are stored. Furthermore, the memory card reader/writer section 23 has a memory card insertion slot 32 (see FIG. 2), into which the memory card 12 storing transaction information and the like is inserted. The display 26 is for displaying guidance, figures, etc. based on signals sent from the processor 29, and the key input means 27 is for inputting characters, symbols, etc. and sending them to the processor. In the embodiment shown in FIG. 2, the key input means 27 is provided as a sheet made of transparent pressure-sensitive switches pasted on the screen of the display 26, and the key input means 27 and the screen of the display 26 have a key input function. The attached display section 31 is configured.

The communication control unit 21 converts parallel data received from the processor 29 into serial data and transmits it to the wireless communication device 2, or converts serial data received from the wireless communication device 2 into parallel data and transmits the serial data to the processor 29.
It is connected to the wireless communication device 2 via the communication line 3. The wireless communication device 2 wirelessly sends a signal whose carrier wave is modulated based on the serial data received from the communication control unit 21 to the wireless base station 5.
It receives a signal wirelessly transmitted from the wireless base station 5, demodulates the signal, and transmits serial data obtained by demodulating the signal to the communication control unit 21. Furthermore, the wireless base station 5 is connected to a host computer 8 of a bank or the like via a public line network 6 and a communication line 7.

FIG. 3 is a flowchart illustrating an example of a processing procedure up to the start of business using the portable terminal device of the present invention. The sales representative must insert his or her own IC card into an IC card.
The card is inserted into the card insertion slot 33, and information is input by touching the key input means 27 according to the displayed information. It is sent to the processor 29 of the portable terminal device main body 1. Then, it is sent to the IC card 13 by the processor 29, and the IC
The card 13 verifies the PIN (personal identification information) of the sales representative and sends the result to the portable terminal device main body 1 (step 101). PIN in step 101
If the verification is correct, the customer then inserts his or her own IC card into the IC card insertion slot 33, and the customer's PIN is verified in the same manner as described above (step 102). After performing these verification processes, the processor 29 transmits the verification processing results to the host computer using a wireless communication device. After the PIN verification of both parties is completed successfully, the processor 29 displays guidance for business selection on the display 26, and the sales representative selects the business displayed on the screen of the display 26, such as "account deposit transaction" or "inquiry transaction." The task to be performed is selected from among the following (step 103). Thereafter, the processor 29 reads the processing program corresponding to the selected task from the memory unit 28 and executes the task.

FIG. 4 is a flowchart illustrating an example of a processing procedure when carrying out a deposit transaction using the portable terminal device of the present invention. When conducting a deposit transaction, first, a bankbook or the like is inserted into the magnetic stripe reader/writer 14, and the customer's account number, usage point code, bankbook entry line information, etc. are read (step 201). Next, items necessary for the deposit transaction, such as the type of deposit, such as deposit in cash or securities, and the deposit amount, are input (step 202). Then, when the processor 29 sends a transaction request message to the host computer 8 based on these input data, the wireless communication device 2 transmits a carrier wave based on this transaction request message received via the wireless communication control unit 21. is modulated and a wireless signal is transmitted (step 203). The wireless base station 5 receives and demodulates this wireless signal, and transmits a transaction request message to the host computer 8. The host computer 8 performs a deposit process based on the transaction request message received via the public network 6 and the communication line 7, and then returns the processed data to the portable terminal device via the wireless base station 5. The wireless communication device 2 demodulates the received wireless signal and sends the processed data to the processor 29 via the wireless communication control unit 21 (step 204). The processor 29 stores this processing data in the memory unit 28, and when the sales representative inserts the bankbook into the printer 11, prints on the bankbook based on the processed data (step 205). After that, when the sales representative inserts the bankbook into the magnetic stripe reader/writer 14,
The processor performs processing to update the bankbook entry line information recorded on the magnetic stripe of the bankbook (step 206).
). Finally, the processor 29 performs a process of wirelessly transmitting the execution results of these processes to the host computer 8 similarly to step 203 (step 207), and ends the account deposit transaction.

FIG. 5 is a diagram showing a flowchart of an example of a processing procedure when performing an inquiry transaction using the portable terminal device of the present invention. When conducting an inquiry transaction, first, the customer uses the key input means 27 to input the code, account number, etc. of the item (term deposit, ordinary deposit, etc.) that the customer wishes to inquire about (step 301). The processor 29 creates an inquiry transaction message based on these input data, sends the inquiry transaction message wirelessly to the wireless base station 5 via the wireless communication device 2, and then sends the inquiry transaction message to the host computer 8 via the wireless communication device 2. (step 302). At this time, the host computer 8 receives the inquiry transaction message and returns corresponding inquiry information to the portable terminal device via the wireless base station 5. The processor 29 receives this inquiry information received by the wireless communication device 2 via the wireless communication control unit 21 (step 303), performs processing to display the contents on the display 26 (step 304), and ends the inquiry transaction. .

[0012] In the above process, the key information for creating and decoding the code is stored in the memory in the IC card of the sales representative or the customer, and data is exchanged wirelessly with the host computer 8. When the processor 29 performs
may encrypt data sent to the host computer 8 or decrypt data received from the host computer 8 based on the key information. By doing so, security against eavesdropping and the like can be improved.

[0013]

[Effects of the Invention] As explained above, in this invention, since wireless communication processing is performed after checking with an IC card, the security of the processing is improved. Since information can be exchanged with a host computer at a bank or the like without borrowing a telephone, it is possible to conduct business without any trouble even if a telephone is not installed at the entrance of the place visited. At the same time, it also solves the problem of customers having to pay for calls. Furthermore, fraudulent acts can be prevented by performing business processing after verifying the PINs of both the sales representative and the customer. Note that security against eavesdropping and the like can be improved by encrypting data sent to the host computer and decoding data received from the host computer based on key information stored in the IC card.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing the configuration of an embodiment of the present invention.

FIG. 2 is an external perspective view of an embodiment of the portable terminal device of the present invention.

FIG. 3 is a diagram showing a flowchart of an example of a processing procedure up to the start of business using the portable terminal device of the present invention.

FIG. 4 is a diagram illustrating a flowchart of an example of a processing procedure when performing a deposit transaction using the portable terminal device of the present invention.

FIG. 5 is a diagram showing a flowchart of an example of a processing procedure when performing an inquiry transaction using the portable terminal device of the present invention.

[Explanation of symbols]

1 Portable terminal device body 2 Wireless communication device 3 Communication line 5 Wireless base station 6 Public line network 7 Communication line 8 Host computer 11 Printer 12 Memory card 13 IC card 14 Magnetic stripe reader/writer 21 Wireless communication control unit 22 Printer control unit 23 Memory card reader/writer section 24 IC card reader/writer section 25 Magnetic stripe reader/writer control section 26
Display 27 Key input means 28 Memory unit 29 Processor 30 System bus 31 Display unit with key input function 32 Memory card insertion slot 33 IC card insertion slot

Claims (3)

[Claims] 1. A processor, a key input means, a memory storing a processing program for performing wireless transmission and reception processing, and a processing program for transmitting and receiving data between an IC card, an IC card connection section, and an interface for exchanging data between an IC card connection unit and the processor; a wireless communication means for wirelessly exchanging data with a host computer via a wireless base station; and the wireless communication means and the processor. and a communication control unit that sends and receives data to and from the IC card, verifies the confirmation information input by the key input means with the IC card, and when the confirmation information is verified to be correct, transmits the data via the wireless means. A portable terminal device configured to exchange data with the host computer. Claim 2: The processor sends the information input from the key input means or its conversion information to the IC card, and
The IC card connected to the card connection unit performs a verification process based on the identification information stored in the IC card with the information input from the key input means or its conversion information, and transmits the result of the verification process to the wireless communication means. 2. The portable terminal device according to claim 1, wherein the portable terminal device transmits the information to a host computer using a computer and executes a predetermined processing program. 3. Encrypting data transmitted by a processor to a host computer and decoding data received from the host computer based on key information stored in a memory inside an IC card connected to an IC card connection unit. 2. The portable terminal device according to claim 1, wherein the portable terminal device performs a conversion process.