JPH0895918A - Portable terminal system - Google Patents

Abstract

PURPOSE: To guarantee the propriety of transaction data inputted to a portable terminal. CONSTITUTION: Concerning the portable terminal system composed of a portable terminal 10 for inputting the transaction data on the side of a customer and performing the processing and storage of those transaction data, center 13 being the main managing place of data and center communication unit 11 for communicating data between the portable terminal 10 and the center 13, a certification data input means for inputting certification data for the inputted transaction data and further, a means for certifying the transaction data according to the certification data inputted by that certification data input means is provided, are provided.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a technique effective when applied to a portable terminal system for processing transactions and the like conducted by a salesperson such as a bank at a customer.

[0002]

2. Description of the Related Art In a conventional mobile terminal system, for example, as disclosed in Japanese Patent Application Laid-Open No. 61-169965, a customer uses a mobile terminal to carry out a transaction, and the transaction results accumulated in the mobile terminal. (Transaction data) and the cash received from the customer are input to the cash transaction processing device installed in the bank, and if the transaction data and the matching result of the cash match, the transaction data stored in the mobile terminal is communicated with the center. There is something to send to the center.

Further, as disclosed in Japanese Patent Application Laid-Open No. 5-241998, a customer uses a mobile terminal to make a transaction, and transaction data stored in the mobile terminal is communicated with the center. Using a communication unit that communicates between the terminal and the terminal, the mobile terminal is coupled to this center communication unit, and the IC card carried by the bank employee is input to the center communication unit, and the ID or PIN stored in the IC card is input. Etc., and as a result of the check, if it is recognized that there is a valid communication qualification, the center communication unit communicates with the center and transmits the transaction data accumulated in the portable terminal to the center.

[0004]

DISCLOSURE OF THE INVENTION The present inventors have found the following problems as a result of examining the above prior art.

In the above-mentioned prior art, an outside clerk such as a bank operates a mobile terminal to input transaction data at a customer site, but no authentication check is performed on the transaction data input at this time, and the transaction data is legitimate. There was a problem that it was not possible to guarantee the sex.

Therefore, even if the person who operates the portable terminal inputs incorrect data due to misunderstanding such as maliciousness or erroneous input of account number, it may be immediately input to the center and treated as valid data.

An object of the present invention is to solve the above problems and to provide a technique capable of guaranteeing the validity of transaction data input to a mobile terminal.

The above and other objects and novel features of the present invention will be apparent from the description of this specification and the accompanying drawings.

[0009]

Of the inventions disclosed in the present application, a representative one will be briefly described below.
It is as follows.

[0010] A portable terminal for inputting transaction data at a customer site, processing and storing the transaction data, a center which is a main management place of data, and a center communication unit for exchanging data between the portable terminal and the center. In the mobile terminal system, the authentication data input means for inputting authentication data for the input transaction data is provided in the mobile terminal, and the authentication data input means authenticates the transaction data by the input authentication data. And means for performing.

[0011]

According to the above-mentioned means, a portable terminal for inputting transaction data at a customer site, processing and storing the transaction data, a center which is a main management place of the data, and data between the portable terminal and the center. In a mobile terminal system consisting of a center communication unit for performing communication between the center communication unit and the center communication unit, authentication data input means for inputting authentication data for the input transaction data is provided in the mobile terminal, and the authentication data input means inputs the authentication data. By providing means for authenticating transaction data by data, when operating the mobile terminal at the customer's side, by authenticating the input transaction data, malicious transaction data due to malicious or misunderstanding of the operator Since the input can be prevented, it is possible to guarantee the validity of the transaction data input to the mobile terminal.

The present invention will be described below with reference to examples.

In all the drawings for explaining the embodiments, parts having the same function are designated by the same reference numerals, and the repeated description thereof will be omitted.

[0014]

FIG. 1 is a diagram showing a system configuration of a mobile terminal system in which an clerk such as a bank uses a mobile terminal to carry out transactions at a customer's place, as an embodiment of the present invention.

In FIG. 1, reference numeral 10 is a portable terminal which is an apparatus for carrying the transaction with a customer, and 11 is a portable terminal 1.
It is a center communication unit that has an interface for inputting and outputting transaction data with 0 and is connected to the center 13 via a communication line 12.

The center communication unit may be carried in a store such as a bank, or may be carried together with a mobile terminal to communicate with the center using a customer's telephone line or the like.

The center 13 is provided with an account file for each customer, and by updating this file, the final settlement of the transaction is performed.

FIG. 2 is a block diagram for explaining each part constituting the portable terminal 10.

In FIG. 2, the mobile terminal 10 has a CPU 2
0, display controller 21, print controller 22, keyboard 23, touch keys 24, ROM2
7, RAM 28, center communication unit interface 2
9, and a magnetic card input controller 25 and a magnetic stripe passbook input / output controller 26 which are input means of the authentication data of the present invention.

The display controller 21 controls the liquid crystal display 30, the print controller 22 controls the printer 31, and the magnetic card input controller 25.
Is a magnetic card reader 3 for inputting magnetic stripe cards
2 to control the magnetic stripe passbook input / output controller 2
Reference numeral 6 controls a magnetic stripe passbook reader / writer 33 for inputting a deposit passbook with a magnetic stripe and printing on the input passbook.

The ROM 27 stores a program that defines the operation of the mobile terminal, and the RAM 28 stores transaction data and service data of the customer.

The transaction data here is data that can be accessed only after the legitimacy of the transaction to be transacted is authenticated by inputting a card or passbook, and the service data is data that can be accessed without authentication. Yes, for example, information data such as advertisements and advertisements.

Next, as a mode of use of the portable terminal system of this embodiment, a system for returning to a store after a transaction is carried out at the customer to complete the transaction and a center communication unit at the time of conducting the transaction at the customer are used. An example of a system that completes a transaction by communicating with the center will be described below.

First, the portable terminal system of this embodiment, which returns to the store after the customer has performed the transaction and completes the transaction, will be described.

FIG. 3 to FIG. 5 are flowcharts for explaining the operation of the mobile terminal system of the present embodiment, which completes a transaction at the time of returning to the store after conducting the transaction at the customer.

The mobile terminal system of this embodiment is made by the three processes shown in FIGS.

First, the process of extracting the data of the customer to be traded from the account file of the customer on the center side and downloading it to the portable terminal will be described.

FIG. 3 is a flow chart showing the flow of processing from the data of the customer to be traded extracted from the account file of the customer on the center side to the download to the portable terminal.

In the process, as shown in FIG. 3, first, in step A1, the power of the portable terminal is turned on, and the program stored in the ROM 27 is initialized.

Next, in step A2, the mobile terminal is coupled to the center communication unit, and in step A3, the person-in-charge ID and password of the clerk are input from the mobile terminal.

On the center side, in step B1,
The person-in-charge ID and password input from the mobile terminal are collated with those registered in the center, and when the result of collation at step B2 shows that the content is correct, the process proceeds to step B6, where it is determined that the content is not correct. If so, go to Step B3.

In step B3, it is checked whether the number of retries for inputting the person-in-charge ID and password has exceeded the upper limit. As a result, if the upper limit is not exceeded, the process proceeds to step B4, and if the upper limit is exceeded, the process proceeds to step B5.

At step B4, the person in charge ID is assigned to the portable terminal.
And the password re-entry is requested, and then the mobile terminal executes step A3.

At step B5, the connection with the portable terminal is disconnected and the process is terminated.

On the other hand, at step B6, the portable terminal side is requested to enter the code of the customer to be transacted, and the process proceeds to step A4.
The code of the customer to be traded is entered from the mobile terminal for each individual customer or for each group of multiple responsible customers.

Next, in step B7, the entered customer code is collated with the code on the center side. As a result, if the codes match in step B8, the process proceeds to step B10, and if they do not match, the process proceeds to step B9.

In step B9, the center side requests the portable terminal to re-enter the customer code, and then the portable terminal executes step A4.

In step B10, the customer's account number, name, and other data and customer service data are downloaded from the center side to the mobile terminal.

On the portable terminal side, in step A5,
The downloaded data is stored in the RAM 28 of the mobile terminal.

Then, in step A6, the portable terminal is removed from the center communication unit, and in step A7, the power is turned off and the program is stopped.

Next, a description will be given of a process of making a transaction by operating the mobile terminal in which the data of the customer to be traded is stored at the customer.

FIG. 4 shows the flow of the process of conducting a transaction by operating the portable terminal in which the data of the transaction target customer is stored at the customer site.

In the process, as shown in FIG. 4, first, in step A8, the power source of the portable terminal is turned on, and the program stored in the ROM 27 is initialized.

Next, in step A9, it is determined whether or not the power is turned off. If the off operation is performed, the process proceeds to step A10. If the off operation is not performed, the process proceeds to step A11.

At step A10, various processes at the time of turning off the power, such as stopping the program, are performed, and the process is terminated.

At step A11, the service / transaction type is input from the touch key 24, and the type of service / transaction to be selected is selected.

Next, in step A12, the service type is checked. If a transaction is selected, the process proceeds to step A14. If any other transaction is selected, the process proceeds to step A13.

In step A13, the RAM 28 is read to provide information regarding various service data such as interest rate information, and then the process proceeds to step A9.

At step A14, the account number of the trading customer is input from the keyboard 23.

At step A15, the transaction customer's magnetic stripe card is input from the magnetic card reader 32, or a deposit passbook with a magnetic stripe or the like is input from the magnetic stripe passbook reader / writer 33 to read the account number, and at step A16, at step A14. A check is made to see if the entered account number and the account number entered in step A15 match. If they match, the process proceeds to step A18, and if they do not match, the process proceeds to step A17.

Steps A14 to A1 shown here
Reference numeral 6 is an authentication data input means for authenticating transaction data.

Next, in step A17, an input account fraud message is displayed on the liquid crystal display 30, and the process advances to step A14 to re-enter the account number.

In step A18, it is verified whether or not the input verified account number exists in the transaction target customer data stored in the RAM 28, and in step A19, if a matching account exists as a result of the verification, step A21. If there is not, go to step A20.

In step A20, the liquid crystal display 3
A message indicating that the corresponding account cannot be traded is output to 0, and the process proceeds to step A9.

At step A21, the data necessary for the transaction such as the amount of money is input, and the process proceeds to step A22, where the transaction type,
Store transaction data such as account number and amount in RAM 28,
The transaction content is printed by the printer 31 in step A23, and the process proceeds to step A9.

Next, a description will be given of a process of completing the transaction by reflecting the transaction data stored in the portable terminal on the account file of the customer of the center after the transaction at the customer's end.

FIG. 5 is a flow chart showing the flow of processing after the transaction at the customer is completed, the transaction data stored in the portable terminal is reflected in the customer's account file at the center, and the transaction is completed.

In the process, as shown in FIG. 5, first, in step A24, the power source of the portable terminal is turned on, and the program stored in the ROM 27 is initialized.

Next, in step A25, the mobile terminal is coupled to the center communication unit, and in step A26, the person in charge of the clerk and the password are input from the mobile terminal.

On the center side, step B11
Then, collate the person-in-charge ID and password entered from the mobile terminal at the center with those registered at the center, and go to Step B
As a result of the collation in 12, if the validity of the content is confirmed, the process proceeds to step B16, and if it is determined that the content is not valid, the process proceeds to step B13.

In step B13, it is checked whether or not the number of retries for inputting the person-in-charge ID and the password has exceeded the upper limit. As a result, if the upper limit is not exceeded, the process proceeds to step B14, and if the upper limit is exceeded, the process proceeds to step B15. move on.

At step B14, the person in charge I
Request re-input of D and the password, and the mobile terminal executes step A26.

At step B15, the connection with the portable terminal is disconnected and the process is terminated.

On the other hand, in step B16, the portable terminal side is requested to transmit the transaction data to the center, and the process proceeds to step A27 where the transaction data stored in the RAM 28 is transmitted from the portable terminal to the center.

Then, in step B17, the transaction file transmitted from the portable terminal is used to update the account file of the transaction customer at the center to complete the transaction.

After that, in step A28, the portable terminal is removed from the center communication unit, and in step A29 the power is turned off and the program is stopped.

Next, the mobile terminal system of this embodiment will be described in which the mobile terminal system completes the transaction by communicating with the center using the center communication unit when the customer conducts the transaction.

FIG. 6 shows a portable terminal system of this embodiment.
It is a flowchart which shows the flow of the process which completes a transaction by communicating with a center using a center communication unit at the time of conducting a transaction at a customer.

In the process, first, in step C1, the power of the portable terminal is turned on, and the program stored in the ROM 27 is initialized.

Next, in step C2, the portable terminal is coupled to the center communication unit connected to the customer's telephone line.

Then, in step C3, it is determined whether or not the power is turned off. If the off operation has been performed, the process proceeds to step C4. If the off operation has not been performed, the process proceeds to step C6.

At step C4, the portable terminal is removed from the center communication unit, the power is turned off at step C5, the program is stopped, etc., and the process is terminated.

In step C6, the service / transaction type is input from the touch key 24, and the type of service / transaction to be selected is selected.

Next, in step C7, it is checked whether the service / transaction type is a transaction. If the transaction is a transaction, the process proceeds to step C9. If not, the process proceeds to step C8.

In step C8, the center is contacted to provide information on various service data such as interest rate information, and then the process proceeds to step C3.

In step C9, it is checked whether the transaction type is bookkeeping. If the transaction type is bookkeeping, the process proceeds to C10, and if not, the process proceeds to step C13.

At Step C10, a bankbook with a magnetic stripe or the like is input from the magnetic stripe bankbook reader / writer 33 to read the account number.

Next, in step C11, the center is contacted to obtain the transaction data of the unregistered account in the portable terminal side,
In step C12, the transaction data is entered in the passbook using the magnetic stripe passbook reader / writer 33, and then the process proceeds to step C3.

At Step C13, the magnetic stripe card of the trading customer is input from the magnetic card reader 32, or the deposit passbook with a magnetic stripe is input from the magnetic stripe passbook reader / writer 33 to read the account number.

Then, in step C14, the center is contacted to check whether the read account number and the center account number match.

After that, in step C15, if there is a matched account as a result of collation, the process proceeds to step C17, and if they do not match, the process proceeds to step C16. In step C16, a message indicating that the corresponding account transaction is not possible is output to the liquid crystal display 30, and the process proceeds to step C3.

Step C10 to Step C shown here
Reference numeral 16 is an authentication data input means for authenticating transaction data.

Next, in step C17, the data necessary for the transaction such as the amount of money is input, and then in step C18 the center is contacted, and the account of the trading customer is obtained based on the transaction data such as the transaction type, the account number and the amount of money. Update the file to complete the transaction.

Finally, in step C19, the contents of the transaction result are printed by the printer 30 or by inputting the passbook into the magnetic stripe passbook reader / writer 33, and the process proceeds to step C3.

Therefore, as described above, the present invention is
From a mobile terminal for inputting transaction data at a customer site, processing and storing the transaction data, a center which is a main management place of data, and a center communication unit for communicating data between the mobile terminal and the center. In the portable terminal system, the authentication data inputting means for inputting the authentication data for the input transaction data is provided in the portable terminal, and the authentication data inputting means authenticates the transaction data with the input authentication data. By providing ,, when operating the mobile terminal at the customer site, it is possible to prevent unauthorized input of transaction data by the malicious or misunderstanding of the operator by authenticating the input transaction data. It is possible to guarantee the legitimacy of the dealt transaction data.

As described above, the invention made by the present inventor is
Although the present invention has been specifically described based on the above-mentioned embodiments, the present invention is not limited to the above-mentioned embodiments, and it goes without saying that various modifications can be made without departing from the scope of the invention.

[0087]

The effects obtained by the typical ones of the inventions disclosed in the present application will be briefly described as follows.

When the customer operates the mobile terminal, by authenticating the entered transaction data, it is possible to prevent the fraudulent transaction data from being entered due to the malicious or misunderstanding of the operator. It is possible to guarantee the validity of the data.

[Brief description of drawings]

FIG. 1 is a diagram for explaining a configuration of a mobile terminal system that is an embodiment of the present invention.

FIG. 2 is a block diagram illustrating a configuration of a mobile terminal according to the present exemplary embodiment.

FIG. 3 is a flowchart showing a processing flow of the mobile terminal system of the present embodiment, which completes a transaction when returning to a store.

FIG. 4 is a flowchart showing a processing flow of the mobile terminal system of the present embodiment which completes a transaction when returning to a store.

FIG. 5 is a flowchart showing a processing flow of the mobile terminal system of the present embodiment which completes a transaction when returning to a store.

FIG. 6 is a flowchart showing the flow of processing of the mobile terminal system of the present embodiment which completes a transaction when the customer conducts the transaction.

[Explanation of symbols]

10 ... Mobile terminal, 11 ... Center communication unit, 12 ... Communication line, 13 ... Center, 20 ... CPU, 21 ... Display controller, 22 ... Print controller, 23
... keyboard, 24 ... touch key, 25 ... magnetic card input controller, 26 ... magnetic stripe passbook input / output controller, 27 ... ROM, 28 ... RAM, 29 ... center communication unit interface, 30 ... liquid crystal display, 31 ... printer, 32 ... Magnetic card reader, 33 ...
Magnetic stripe passbook reader / writer.

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁶ Identification code Internal reference number FI technical display location H04L 29/12 9371-5K H04L 13/00 317

Claims (1)

[Claims] 1. A portable terminal for inputting transaction data at a customer site, processing and storing the transaction data, a center which is a main management place of the data, and a center for exchanging data between the portable terminal and the center. In a mobile terminal system comprising a communication unit, an authentication data input means for inputting authentication data for the input transaction data is provided in the mobile terminal, and the authentication data input means is used to transfer transaction data based on the input authentication data. A mobile terminal system comprising: means for performing authentication.