Classifications

• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
  • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
  • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
  • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
  • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
  • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
  • G07F7/1016—Devices or methods for securing the PIN and other transaction-data, e.g. by encryption
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
  • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
  • H04L9/06—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols the encryption apparatus using shift registers or memories for block-wise or stream coding, e.g. DES systems or RC4; Hash functions; Pseudorandom sequence generators
  • H04L9/065—Encryption by serially and continuously modifying data stream elements, e.g. stream cipher systems, RC4, SEAL or A5/3
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
  • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
  • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash

Definitions

• the present invention relates firstly to a new telecommunication method allowing an individual to perform remotely, in particular from his home or a public place such as a hotel or an airport terminal,
• banking operations such as:
• TELEX is the most common application of this use. It allows a print to be sent to an interlocutor almost instantly and at lower cost.
• Some of these devices are notably equipped with magnetic badge readers in order to limit their access to "authorized” subscribers. Mention may be made in this connection of experiments relating to the consultation of telephone directories and general data on cathode screens, by virtue of the link with a central site delivering these data via the telephone network.
• WIPO linked via the telecommunications network, to one or more central sites capable of collecting and distributing the information necessary for these consultations and of carrying out the accounting operations which must accompany each transaction.
• each bank transaction must be accompanied by the supply to the debtor of a "proof of completion", both to enable the latter to assure his creditor and his bank in good faith, following d '' a possible contested regulation, and to also serve as an accounting document to keep in his files.
• the simplest is to individualize the device, that is to say, to put it only at the disposal of individuals who must use it.
• a badge is distributed to each "authorized" user and each access device is provided with a reader of these badges which ensures the activation of this device only in case of inserting a badge.
• the shortcomings of this type of device is that it cannot be protected against fraudulent users of stolen badges.
• This type of verification is very effective and allows the device to be assured of the identity of each user.
• the main objects of the present invention are:
• the central problem that the invention proposes to solve is to carry out the simple transmission of a follow-up of messages in a coded manner between a terminal A and a speaker B, possibly being in particular another terminal or possibly a banking organization, or a data bank.
• the invention proposes to transmit said messages by coding each of them using a "random variable in time" for any third party.
• the coded transmission method it is advisable to use as coding key an indication of time relative to the transmission phase of each message.
• the receiver knowing the decoding algorithm, as well as the instant coding key, will be able to easily unscramble the messages transmitted by A.
• no third party person will be able to systematically analyze the sequence of messages transmitted due to the "random" character of the coding process.
• the random coding key the time datum, considered as common characteristic of the instant of transmission and of the instant of reception of the message.
• the invention also relates to a device for consulting data files and bank transactions at home or in a public place. This is connected via a MODEM to a telecommunication network capable of putting it into communication.
• a video monitor in particular with a screen, cathodic, for making available to the user of the information transmitted by the interlocutor and possibly display as verification of the messages sent.
• an identification subset emitting during each request message an identification linked to the user and / or to the device
• a microprocessor for controlling the operating sequences of the device connected to the various pre-assembled sub-assemblies.
• the microprocessor triggers, on the command of a user A, the procedure for calling a party B, controls the coded transmission of messages and activates the video monitor 35 ensuring the provision of A information. transmitted by B.
• the device is also provided with a system for reading user identification badges. It performs, under the control of its command microprocessor and after introduction of a badge, the communication to the coding system of an identification message carried on the badge and the transmission to contact person B which, after unscrambling , can thus deduce the identity of the user.
• the device systematically checks the identity of a user carrying a badge.
• This characteristic is very interesting in the case where the interlocutor is a central organization B giving access to a personalized service linked to the identity of the user. This is the case with banking organizations.
• the badge reader performs, under the control of the control microprocessor and after introduction of a badge, the reading of the information carried by the latter. It transfers this information to a tamper-proof hybrid circuit of the device, connected to the reader and deducing from this information, according to a secret algorithm, a theoretical indicative of access to the services of interlocutor B.
• This circuit also performs the comparison between the theoretical indicative it calculates and an indicative signified by the user, in particular on the alphanumeric keyboard. It authorizes access to the de-B service only if there is identity between the two callsigns.
• the verification of the identity of the user can be carried out within the central organization B.
• the device A transmits the identification message to the organization B based on information carried by the badge and scrambled according to the process described above.
• Organization B decrypts this message and deduces a theoretical access code from it. to its services by the user. The latter strikes the device's alpha ⁇ numeric keyboard, which he considers to be his access code.
• the device transmits the callsign, notably in scrambled form, to organization B which compares the codes and only authorizes access if these are similar.
• one or the other of the two previous methods allows the organization B and the device A to personalize the services rendered to a user while ensuring his identity.
• the device according to the invention transmits, at the heart of each call from a central body B, a number " own identification secret and transmits it to B according to the method described above.
• Organization B decodes the transmitted message and deduces the call number of the device within the telecommunications network, communication between the device and organization B is cut off, and finally organization B recalls the device to using his previously deducted telephone number.
• the central body is certain of the origin of the call sent by the device.
• all the data of confidential type such as the account positions, are transmitted by the organization B to A in coded form according to the method of the invention.
• third parties are unable to deduce confidential banking information by systematic "listening" to the information transmitted by B to A.
• Another important aspect of the device according to the invention is to edit, for the benefit of the user and at the end of each transaction order with a banking organization B, inviolable proof justifying the act performed and which may thus serve as evidence.
• the device is provided with an original “electronic printer” performing, according to a “photographic” process, the indispensable printing of the transaction image on photosensitive paper.
• This printer essentially consists of a photo-electronic print head constituted by one or more arrays of light-emitting diodes. Under the control of a microprocessor, the diodes are selectively lit to constitute the "dotted" image of the character to be printed. In addition, a bundle of optical fibers, originating opposite each of these diodes, channels and reduces the image of each character to the desired dimension facing the printing area.
• the photo-electronic head has only one matrix of diodes. It is integral with a carriage moved perpendicular to the direction of travel of a photosensitive support paper with immediate development contained inside an opaque feeder similar to those which contain photographic films. Printing is then carried out character by character, by lateral displacement of the print head using a micromotor.
• the electronic printing device is constituted by a homogeneous block of the width of the printing paper ribbon, motionless transversely to it and gathering an assembly side by side of several independent diode arrays. Each matrix is intended to imprint a character opposite one of the transverse zones of the support tape.
• the control microprocessor then manages the operating sequence of each of the dies so as to print line by line the ribbon of photosensitive paper without any movement of the heads.
• This printer can be used for many applications because it has many advantages over current solutions.
• the printer has only one mobile element: the photosensitive paper drive system, which can be produced very simply, in particular by association of a micromotor and a maltese cross .
• the printing device is entirely static.
• the second version of this printer has two particularly advantageous characteristics which make it possible to produce the personalized banking consultation and transmission device which is the subject of the invention.
• the printing system is piloted using a microprocessor constituted by a tamper-proof hybrid circuit ensuring the various commands of the printer and comprising in particular a sub- multiplexer assembly activating, in an indecipherable scrambled form from the outside, the various drivers for controlling the anodes of the light-emitting diodes.
• a microprocessor constituted by a tamper-proof hybrid circuit ensuring the various commands of the printer and comprising in particular a sub- multiplexer assembly activating, in an indecipherable scrambled form from the outside, the various drivers for controlling the anodes of the light-emitting diodes.
• multi-print heads that is to say, diode arrays and bundle of optical fibers
• control circuit within a homogeneous compact block overmolded with a resin cover.
• each document issued on photosensitive paper is instantly revealed and, as a result, cannot be subject to any subsequent falsification.
• the proposed printer constitutes a means of printing a document which is simultaneously tamper-proof, tamper-proof and non-reproducible, which makes it particularly suitable for " editing" proof of transaction tickets ".
• An important aspect of the banking consultation and transaction device is to be equipped with an electronic printer of the type described above which, at the end of each banking transaction, edits a "electronic photography" of transaction on photosensitive paper with continuous development.
• This photo ⁇ graphy constitutes for the user irrefutable proof, justifying the act mentioned above.
• the device is also, in particular inside a tamper-proof hybrid circuit, provided with both a clock system and a telephone pulse counter.
• the electronic printer is able to issue proof of transaction tickets that bring together:
• Another particularly advantageous aspect of the invention is to ensure considerable savings for debtors and creditors in the processing of invoices.
• This processing can be carried out automatically by a computer.
• the latter decrements the debtor's account and increments that of the creditor.
• the creditor is issued with the documentary evidence of the settlement.
• the settlement of a bill can be carried out according to a much more efficient and immediate process.
• the creditor sends a new type of invoice formula to its debtor:
• a detachable module that supports in the form of magnetic information including 'or intelligible by the optical device, the same accounting information that the slip.
• the debtor places the detachable module of the invoice he receives on the device of a reading subsystem of a device according to the invention which he possesses.
• This system addresses itself automatically, through the network
• the invoice formulas comprise a detachable magnetizable module, in particular in accordance with the dimensional standards of the current magnetic badges.
• the creditor has a billing system including:
• the debtor for his part, has a device according to the invention provided with a system for fitting and reading an identification badge, in particular of the type described in French patent application No. 81.08901 dated May 5, 1981 in the name of the applicant.
• This system can be used, note 15
• the debtor simply has to insert his magnetic module inside the slot of the badge reader.
• the latter deciphers the accounting information carried on the magnetic module and transmits the transaction order corresponding to the invoice to a competent banking organization, according to one of the coded secret identification and communication methods referred to above.
• Figure 1 shows the external appearance of one of the possible embodiments of a home banking consultation and transaction device according to the invention
• Figure 2 is a block diagram of the different types of use of a device according to the invention.
• FIG. 3 describes one of the diagrams of verification of the identity of the user and of personalized request from a central organization, preferred by the invention
• FIG. 4 diagrams the sequences of transmission of a personalized request made by a user to a central organization according to the coding method "by random variable" of the invention
• FIG. 5 represents another variant of the preferred method of FIG. 3 of the invention
• FIGS. 6 and 7 show in perspective and in section the essential characteristics of an electroluminescent printing head according to the invention intended to edit on photosensitive paper sifable documents;
• FIG. 8 shows in perspective one of the modes of implementation of the print head of FIG. 7 within an electronic printer with a single head transported by a micromotor. ;
• FIG. 9 describes in perspective the principles of production according to the invention of an electronic printer on photosensitive paper with completely immobile print head
• FIG. 10 shows in section the system for advancing, revealing and fixing the paper inside the printer of FIG. 9;
• FIG. 11 is a cutaway perspective view of a particularly advantageous use of the printer of FIG. 10, within a bank consultation and transaction terminal of the invention, for effecting the editing of a " tamper proof transaction ticket;
• FIGS. 12 and 13 describe an i nfal ticket if fi abl e of "proof of transaction" and a voucher supporting consultation made by the printer of FIG. 11;
• FIG. 14 shows schematically a particularly advantageous embodiment of the tamper-proof hybrid circuits for controlling the operation of the printer of FIG. 11 and for encryption-decryption of the messages exchanged between the terminal according to the invention and the body central;
• Figure 15 shows schematically the essential characteristics 1 e.s__d-lu; ⁇ magnetic module invoice according to the invention and its editing process by the creditor;
• FIG. 15 represents the different stages of the method of paying an invoice according to FIG. 15 using the home banking transaction device according to the invention.
• FIG. 17 represents the transformations to be made to a device according to the invention to make it capable of performing at home the functions of a real TELEX micro;
• Figures 18, 19, -20 describe an embodiment of the device according to the invention allowing its user to have access, by simple purchase of a key memory and device equipment (with this memory) to any of the private databases.
• FIG. 1 shows in perspective the main external characteristics of a domestic terminal 1 according to the invention.
• the device is connected to the telecommunications network by means of a cable 4 and a standardized socket 5 and electrically powered by cable 6 extended by socket 7. It further comprises:
• an alphanumeric keyboard 10 provided with keys 11 on which the user can sign the messages and instructions that he wishes to address to his interlocutors,
• the device comprises on its front face both a daily calendar 18 and a counter 20 for totaling telephone pulses consumed by the device 1.
• Figure 2 brings together the main uses of a home terminal 1 according to the invention allowing it, in particular in association with "point of sale” terminals as described in French patent application No. 79.27673 of November 9, 1979 and its application of certificate of first addition n ° 81.12669 of June 26, 1981 in the name of Applicant, to ensure a true global computerization of the banking phenomenon as well at the level of the individual as of the merchant or the banking organizations.
• a central banking site 42 placed in direct automatic connection with all of the terminals 1a, 1b, 35a, 35b ... by means of an automatic exchange 43 connected to the telephone exchange 30 by several lines access 44.
• Site 42 receives from various banks Bl, B2, B3 ... the status of debit and credit orders which are sent to them directly, in particular in conventional form. This information can be submitted online, via telephone networks, either using magnetic tapes 45 as shown in the figure. Likewise, it is kept informed by each counter 46 and by means of telephone lines 47 of current conventional operations such as:
• central site 42 uses a computer coupled to a central memory 48 to:
• Each request for consultation or bank transaction made by a user of a device 1a, 1b is sent to the central site 42 via the telecommunications network 30. It is accompanied by the transmission, in coded form according to the method. of the invention, of a theoretical indicative allowing the central site 42 to personalize the services which it delivers to each user. Likewise, the central site 42 ensures the legitimacy of the call according to a process which will be described in more detail below. Any precaution of admissibility taken, the central site 42 addresses to the device, preferably in a coded form according to the method of the invention,
• the central site 42 records the contact details of the caller, those of the device and the nature of the service rendered within a m ⁇ m- ⁇ r ⁇ ⁇ r " chronologically, their associates the acknowledgment number transmitted elsewhere to the device and updates the account of the user in his memory 48 if necessary.
• the central site 42 addresses the various banks Bl, B2, B3 ... all of the operations carried out and the statement of customer accounts, in particular in the form of magnetic tapes 50.
• a private database 55 provided with a data memory 56. Abandoned or members can selectively access it. from the terminals 1a and 1b according to an identification and transmission mode coded according to the method of the invention entirely similar to that used to communicate with the central banking site 42. According to the mode of payment chosen for the service rendered by the private database 55, the characteristics of the call and the identity of the subscriber will or may not be recorded on an accounting memory 58.
• a public database 62 delivering, at the request of a user using a terminal 1, l any of the information understood and classified in its memory 63.
• each device 1a, 1b, 7, is provided with a document printer 65a, 65b. In fact, it is possible to add to these devices a system
• central body 42 will designate both a central banking site and a private database; the problem posed in both cases being the same, namely personalizing the services and information provided.
• These secret communications procedures are triggered automatically by a conventional microprocessor (not shown) for controlling the sequences of the device 1.
• the phase of verifying the legitimacy of a user's request is firstly initiated by the introduction according to î of their identification badge 70 inside the insertion slot 8 of the reader.
• badge 71 For this purpose, there is shown in Figure 3 a reader 71 as described in French patent application No. 81 08 901 May 5, 1981 in the name of the applicant. This one of a very kind simple and very efficient is capable of processing both multipist magnetic badges thanks to its "multi-head" reader 73 and memory cards thanks to the electrical connection device 74.
• the reader 71 analyzes it and deduces therefrom a personal code of the holder which we will call RIB (that is to say Statement of Bank Identity ). It transmits this RIB according to 1-, to a hybrid (that is to say) inviolable) scrambling circuit by "random variable", forming from this RIB a scrambled identification message using in particular the time t as variable coding key.
• RIB that is to say Statement of Bank Identity
• FIG. 4 One of the preferred modes of this interference according to the invention is described in FIG. 4 together with FIG. 3.
• the t axis shows the flow of time
• the basic principle of this coding method consists in transmitting a message m from an interlocutor A to B according to an algorithm ft known by the two interlocutors but dependent on a random variable t, in this case time .
• ft known by the two interlocutors but dependent on a random variable t, in this case time .
• the site 42 is able to decode the message M because it knows both f and the time of transmission t, that is to say the random coding key, therefore ft.
• This ft function and its inverse ft can be generated very simply using a conventional preprogrammed microcomputer.
• the badge 70 is introduced into the reader 71 by the user.
• the central body 42 is provided with a device for decoding the transmitted communications, that is to say a microcomputer (not shown) instantaneously performing the reverse function ft " of the algorithm ft. Therefore , at time t2, the central body 42 is in possession of the user's RIB. It deduces therefrom a theoretical indicative (PIN) of access to its functions to the user. device 1 according to g? at the instant t 3 of the reception of the transmitted RIB and requires from the user the meaning (on the alphanumeric keyboard 10) of its access code. ⁇ .
• a device for decoding the transmitted communications that is to say a microcomputer (not shown) instantaneously performing the reverse function ft " of the algorithm ft. Therefore , at time t2, the central body 42 is in possession of the user's RIB. It deduces therefrom a theoretical indicative (PIN) of access to its functions to the user. device 1 according to g? at the instant t 3 of the reception of the transmitted RIB and
• the latter is transmitted to the circuit 76 according to 1 2 and then again coded by the latter according to the principle mentioned above before being transmitted according to g 3 to ins ⁇ as t 5 in the direction of the central body 42
• the latter performs, using a comparator 78, the verification of the identity between the indicative th Access orical and indi- cant signified by the user.
• the central body addresses at the instant t g according to g '"towards the device a message of acceptance or rejection of any request.
• this meaning can be:
• the device 1 transmits it in g 5 to the central body 42 at once t 7 after having coded it according to the method of the invention using the circuit 76.
• the central body 42 deciphers the request according to the method mentioned above, checks its legitimacy and executes it, in particular in cooperation with its memory file 48 Thereafter, it transmits to the device 1 at the instant tg, according to gg , a response to the requested consultation or possibly a transaction report made as well as an acknowledgment number.
• the central organization codes them according to the method of the invention using an auxiliary coding circuit 85.
• the device 1 is provided with a hybrid decoding circuit 86 of this information.
• this information is public, this is generally the case for information transmitted by a database, the response can be transmitted by the central organization 42 without being coded.
• the device 1 makes this information available on the screen 12 and edits at the instant t g , using a suitable printer 100 which will be described in more detail with reference to FIGS. 9 to 11, a document printed 170, proof of the execution of the request.
• terminal 1 operating according to the process of Figures 3 and 4, can be easily set to "available to the public, especially in hotels and terminals to make this a public personna ⁇ Service reads and banks of Consultation fi.able private data and banking transactions.
• FIG. 5 shows two variants of the information communication method of FIG. 3.
• the RIB analyzed by the reader is transmitted according to 1 5 to a hybrid circuit 95, within the device 1 deducing of the RIB the PIN of the badge holder.
• the device 1 transmits according to g-, to the central body 42, coded by the hybrid circuit 76 according to the method of the invention:
• the device 1 requests the user to indicate his callsign on the keyboard 10. He checks, using a comparator 97, the identity between the signified served and the PIN calculated by the circuit 95 and authorizes access to its services only if so.
• the device 1 verifies the identity of the user on the spot and ensures that the badge 70 that the latter has is not stolen.
• the central body 42 deduces therefrom, using its file memory 48, the call coordinates of the device within the telecommunications network. It cuts the communication and recalls the device according to h. The subsequent phases of the request transmission take place in accordance with that of FIG. 3.
• the central site is certain of the origin of the call before executing any request from a user.
• Figures 6 to 8 show a first alternative embodiment of the electronic printer 100 according to the invention.
• the printing head hundred 109 '11 • ⁇ ⁇ ⁇ _ w_ resin constituting a printing device 110 also provided with a coaxial shoulder 111 on which is mounted a ball bearing 112 113 held by means of a circular clip 115.
• the printing device 110 is introduced inside a transverse lumen 116, formed through a plate 117 extended by a guide 118 and opening out facing the running plane along n of a ribbon 119 of photosensitive paper.
• Printing is done line by line and character by character. To this end, the ribbon 119 is kept stationary during the printing of each line.
• the printing mechanism 1-10 is moved along o-,, facing each printing area with one character, thanks to the stepping motor 122, the latch 123 and the pulleys 125 and 126.
• the assembly is covered by an opaque hermetic cover 127. It is understood:
• each successive character to be printed is displayed in "dotted line" on the matrix 102 by selective lighting of some of the light-emitting diodes.
• the character A is being printed
• the luminous flux emitted by each of the diodes 106 excited by the circuit 130 are channeled and reduced by the bundle 108 of optical fibers 107 which produces a true focusing of the image of the character carried on the matrix 102.
• this image is reduced to the size of a conventional printing character and delivered in luminescent form opposite the photo ⁇ sensitive paper 120 which it emulsifies.
• the printing device 110 After each printing of a character under the control of circuit 130, the printing device 110 is moved along o, by the motor 122 to the zone for printing the next character on the line being worked out. Likewise, their new character to be printed is displayed on the matrix 102 and comes to impress the paper 120.
• a new line can then be impressed according to the method described above. Meanwhile, the previously photographed line is revealed according to a procedure which will be described later.
• the printing device 110 ′ does not consist of a single matrix 102 of diodes displaced along o, to print the document character by character, but on the contrary of a compact printing block 140 consisting of two superimposed rows of ten matrices 102 of d / iodes similar to those described in FIG. 8, each extended by a bundle .108 of optical fibers 107.
• These different beams focus and reduce the images of the luminescent characters produced by each of the matrices 102, side by side next . the same axis gg '.
• the block 140 is constituted by an alternating brush of bundles 108 from the upper row 142 of dies 102 and of bundles 108 'from the lower row 143.
• the printing block 140 is surmounted on either side of its two rows of bundles 108 and 108 ′ of optical fibers by two films 145 and 146 of resin constituting both a coating jaw for each of the beams and a guide to facilitate the precise and rapid insertion, according to p, of the printing device 110 ′ inside a transverse slot 148 formed opposite the feeder 150 further containing the ribbon 119 of photo-sensitive paper 120.
• the device of the photosensitive paper drive and production system 120 will now be described with particular reference to FIG. 9.
• the paper tape is delivered by the manufacturer, wound inside a cartridge-charger 150 whose walls 152 are opaque to light radiation. This includes both:
• the ribbon 119 is perfectly aligned along the printing plane P, thanks to the deflection roller 160, to the guide slot 161 and to the two opposite displacement cylinders 162 and 163 also ensuring the wringing of the revealed and f.ixed paper at its exit from the charger 150. It will be noted, finally, that each of the communication slots of the charger 150 with the outside are closed so as to prevent the passage of light. In particular, the transverse slot 148 is masked by a flexible tab 165 which can be erased during the introduction of the printing device 110 '. _.
• the device for unwinding and processing the paper 120 can be replaced inside the printer according to the invention by any currently known type of deli ⁇ vrance of paper impressionable by light although the solution proposed by the invention has very interesting characteristics of use with respect to the usual techniques.
• the only mobile system is constituted by the device 156 for unwinding the paper within the feeder 150 which can be made of plastic and exchanged during each reloading.
• this printer 100 is capable of extreme miniaturization. Due to its design and the sensitivity of its printing mode, it is possible in particular to reduce its size and the width of the ribbon 119 to a few centimeters and to print on this ribbon tiny characters subsequently magnified in particular by a system optical
• this printer in very small devices such as cameras, pocket calculators extra ⁇ flat, portable memorizing microprocessors,,.
• its operating speed is almost unlimited. Indeed, it is known at the present time to produce photo-sensitive paper supports that can be impressionable in less than 1/1000 of a second with light sources of the type of those of light-emitting diodes 106. Therefore, it is theoretically possible to print a line tape 119 in 1/1000 of a second. In fact, only the possibilities of unwinding the ribbon limit the printing speed of this printer 100 ′ to around one hundred lines per second. We can therefore easily imagine the interest it can present, especially in the field of. word processing machines.
• FIG. 11 shows an electronic printer 100 ′ of the type of that in FIG. 9 used inside a domestic terminal 1 for personalized bank consultations and transactions, for editing both " tamper evident 170 such as that shown in Figure 13.
• the immobile printing unit 140 has characteristics similar to those described in FIG. 9. However, it will be noted that the latter also includes an integrated microprocessor 131 connected via the circuit 130 to the various matrices 102 of the printer to activate their different diodes 106,
• One of the embodiments of the printer control system 180 is described at the top of FIG. 14.
• control circuit 130 of the various arrays 102 of light-emitting diodes 106 which communicates with the microprocessor 13.1 only by means of a multiplexer circuit 185 and a register of selection 186 of the matrices.
• the assembly is hybrid within the mass of resin 175 and communicates, with the outside in 176, only through the register 187 of connection of the microprocessor 131 with the outside BUS 188 of the control signals of the main microprocessor of the device 1, as well as by the register 190 for connecting the microprocessor 131 with the external BUS 191 of the data of the main microprocessor of the device 1.
• the printer 100 ′ allows the device 1 according to the invention to edit in 15 tickets for acts performed which can really be considered as evidence as tamper-proof and not fraudulently achievable.
• This ticket 170 includes both:
• This first comprises a control microprocessor 210 with integrated microprogram 211 connected to its oscillator 212.
• the microprocessor is linked:
• the register 224 provides, for its part, the connection between the internal data BUS and the external data BUS 191.
• the register 225 ensures the connection between the internal data BUS and the memory 220.
• a register 226 ensures, from the microprocessor 210, the selection of circuits 220, 221, 222 and of registers 224 and 226,
• FIG. 15 shows at its lower part an invoice 230, according to the invention, with a detachable magnetic module 81, making it possible, according to the method of FIG. 16 and using a domestic terminal 1, to instantly make payments at home invoices.
• this one made from a paper support, includes:
• a detachable module 81 gathering on an ISO magnetic track (234) the accounting information necessary for the payment of this invoice.
• this device 240 comprises a double guide system 242 arranged transversely with respect to the direction of unwinding according to q of the blank magnetic billing formula 243. On this system 242, are mounted:
• a magnetic recorder storing, by displacement along s opposite the ISO track (234) and under the control of the computer 241, the accounting information necessary for the payment of the invoice under the control of the device 1, such as:
• the invoice 230 is folded, put in an envelope 260 and sent according to j by the creditor C to its debtor D via the postal network P.
• the debtor D receives the invoice 230, detaches it according to u the magnetic module 81, introduces it according to i, through the insertion slot 8 inside the badge reader 71.
• the reader 71 magnetically analyzes the information supplied.
• the device 1 then automatically performs, under the control of its control microprocessor, all of the settlement request operations with the central site 42, via the telecommunications network T and according to the transmission method. of the invention described with reference to Figures 3 to 5.
• the central banking site 42 makes the payment of its invoice from the registers of its memory 48. It decrements the account of D and increments the account of C by the amount of the invoice 230. Furthermore, it transmits according to g g to the device 1:
• the acknowledgment number 205 which. will serve as a basis for device 1 for issuing a ticket
• Figure 17 shows a strong improvement before ⁇ ⁇ proposed by the invention the characteristics of the domestic terminal 1 to enable it to ensure ':
• the ijune terminal 270 word processor has been associated with it. This comprises:
• a printer 65 for documents preferably of the type. that described in French patent application No. 81.08262 of April 2, 1981 in the name of the applicant, capable of editing documents as well according to their direction "a” of scrolling as according to "b” perpendicular to their direction of scrolling and also allowing very simple editing of any graphic document,
• a data recording reader 66 in particular on cassette 275, and
• This improved version of the terminal 1 allows a user A to send a text or document edited on receipt by the printer 65 to a contact B, as well as a photographic document previously recorded on a disc 278 and read at 277.
• FIGS. 18 to 20 describe a preferred embodiment of the device 1 to facilitate access to its owner of private data bank 55.
• the right lateral part 280 of the device 1 is provided with a box 282 provided with a bar 283 intended to selectively receive connectors 285 and closed by a flap 286.
• One of the connectors 285 is described in more detail with reference to FIGS. 19 and 20. It essentially comprises a gripping case 288 covering a small tamper-proof overmolded fuse memory 290 extended by an integrated connection circuit 291 gathering the characteristics necessary for the call telephone from a specific database 52.
• each user of a device 1 purchases a connector 285 to have access to a particular database 55. He must then introduce this connector at one of the positions of the bar 283.
• the call to the corresponding database 55 can take place by simply pressing a key on the keyboard 10 and, optionally, a badge 70 for identifying the user.

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• Engineering & Computer Science (AREA)
• Physics & Mathematics (AREA)
• General Physics & Mathematics (AREA)
• Computer Security & Cryptography (AREA)
• Computer Networks & Wireless Communication (AREA)
• Signal Processing (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

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Citations (13)

• 1981
  • 1981-10-12 FR FR8119140A patent/FR2514592A1/fr active Pending
• 1982
  • 1982-10-08 EP EP19820903046 patent/EP0090831A1/fr not_active Withdrawn
  • 1982-10-08 JP JP50312582A patent/JPS58501750A/ja active Pending
  • 1982-10-08 WO PCT/FR1982/000163 patent/WO1983001358A1/en not_active Application Discontinuation

Patent Citations (13)

Non-Patent Citations (2)

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