WO2005043857A1 - Method for the transmission, authentication and automatic processing of digitised documents - Google Patents

Method for the transmission, authentication and automatic processing of digitised documents Download PDF

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Publication number
WO2005043857A1
WO2005043857A1 PCT/ES2003/000558 ES0300558W WO2005043857A1 WO 2005043857 A1 WO2005043857 A1 WO 2005043857A1 ES 0300558 W ES0300558 W ES 0300558W WO 2005043857 A1 WO2005043857 A1 WO 2005043857A1
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WO
WIPO (PCT)
Prior art keywords
user
data
authentication
document
transmission
Prior art date
Application number
PCT/ES2003/000558
Other languages
Spanish (es)
French (fr)
Inventor
Macarena Ramos Garcia-Verdugo
Pilar Fernandez Hermosilla
Carlos Alexis Olson Maicas
Olga Blanco Bezanilla
Luis Rodriguez Diaz-Pavon
Alvaro Maso Besga
Original Assignee
Bankinter S.A.
Retevision Movil, S.A.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Bankinter S.A., Retevision Movil, S.A. filed Critical Bankinter S.A.
Priority to PCT/ES2003/000558 priority Critical patent/WO2005043857A1/en
Priority to AU2003278196A priority patent/AU2003278196A1/en
Publication of WO2005043857A1 publication Critical patent/WO2005043857A1/en

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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N1/00—Scanning, transmission or reproduction of documents or the like, e.g. facsimile transmission; Details thereof
    • H04N1/00127—Connection or combination of a still picture apparatus with another apparatus, e.g. for storage, processing or transmission of still picture signals or of information associated with a still picture
    • H04N1/00281—Connection or combination of a still picture apparatus with another apparatus, e.g. for storage, processing or transmission of still picture signals or of information associated with a still picture with a telecommunication apparatus, e.g. a switched network of teleprinters for the distribution of text-based information, a selective call terminal
    • H04N1/00307—Connection or combination of a still picture apparatus with another apparatus, e.g. for storage, processing or transmission of still picture signals or of information associated with a still picture with a telecommunication apparatus, e.g. a switched network of teleprinters for the distribution of text-based information, a selective call terminal with a mobile telephone apparatus
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N2201/00—Indexing scheme relating to scanning, transmission or reproduction of documents or the like, and to details thereof
    • H04N2201/32—Circuits or arrangements for control or supervision between transmitter and receiver or between image input and image output device, e.g. between a still-image camera and its memory or between a still-image camera and a printer device
    • H04N2201/3201—Display, printing, storage or transmission of additional information, e.g. ID code, date and time or title
    • H04N2201/3225—Display, printing, storage or transmission of additional information, e.g. ID code, date and time or title of data relating to an image, a page or a document
    • H04N2201/3233—Display, printing, storage or transmission of additional information, e.g. ID code, date and time or title of data relating to an image, a page or a document of authentication information, e.g. digital signature, watermark
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N2201/00—Indexing scheme relating to scanning, transmission or reproduction of documents or the like, and to details thereof
    • H04N2201/32—Circuits or arrangements for control or supervision between transmitter and receiver or between image input and image output device, e.g. between a still-image camera and its memory or between a still-image camera and a printer device
    • H04N2201/3201—Display, printing, storage or transmission of additional information, e.g. ID code, date and time or title
    • H04N2201/3225—Display, printing, storage or transmission of additional information, e.g. ID code, date and time or title of data relating to an image, a page or a document
    • H04N2201/3233—Display, printing, storage or transmission of additional information, e.g. ID code, date and time or title of data relating to an image, a page or a document of authentication information, e.g. digital signature, watermark
    • H04N2201/3235—Checking or certification of the authentication information, e.g. by comparison with data stored independently

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  • Engineering & Computer Science (AREA)
  • Signal Processing (AREA)
  • Computer Hardware Design (AREA)
  • Computer Security & Cryptography (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Human Computer Interaction (AREA)
  • Multimedia (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention relates to a method for the transmission, authentication and automatic processing of digitised documents in a single session, using a mobile device which is provided with the technological characteristics necessary for the aforementioned processes to be performed. The inventive method also comprises the recognition, verification and electronic processing of the information received by the receiving entity, which is incorporated automatically into the standard processing applied to the above-mentioned document(s). The method is particularly suitable for authenticating, transmitting and automatically processing financial and non-financial documents, such as bank cheques.

Description

DESCRIPCIÓN DESCRIPTION
Método de transmisión, autenticación y procesamiento automático de documentos digitalizados .Method of transmission, authentication and automatic processing of scanned documents.
Campo de la invención.Field of the invention.
La presente invención, como su propio titulo indica, se refiere a un método para el procesamiento y la admisión de documentos, como por ejemplo cheques bancarios, con garantía de la autenticación del emisor y del propio documento, utilizando para su desarrollo medios electrónicos, a través de un dispositivo móvil capaz de capturar y enviar imágenes a través de una conexión a Internet.The present invention, as its own title indicates, refers to a method for the processing and admission of documents, such as bank checks, with guarantee of the authentication of the issuer and the document itself, using electronic means for its development, to through a mobile device capable of capturing and sending images through an Internet connection.
Antecedentes de la invención.Background of the invention.
Los procesos de banca electrónica conllevan el empleo de técnicas de transmisión de datos digitales por medios electrónicos y su tratamiento por parte de la entidad financiera. En algunos casos, como puede ser la emisión y cobro de recibos a través de Internet se han establecido estándares que tipificanElectronic banking processes involve the use of digital data transmission techniques by electronic means and their treatment by the financial entity. In some cases, such as the issuance and collection of receipts through the Internet, standards have been established that typify
HOJA DE SUSTITUCIÓN REGLA 26 y normalizan los ficheros a enviar por el usuario a dicha entidad. No obstante no se ha avanzado en aquellos supuestos en los que las remesas son de, por ejemplo, cheques bancarios, siendo en estos casos necesaria la presencia o el envió de los documentos físicos a la oficina bancaria correspondiente para su proceso, ya sea de forma manual o a través de terminales lectores que capturan ciertos datos de los documentos reales. No se tiene constancia de un sistema de teleproceso que evite la presencia y guarda del documento en la entidad receptora, de forma tal que permita acelerar sustancialmente el proceso de validación del documento y también su almacenamiento por medios electrónicos, con las consiguientes ventajas de rapidez en el proceso y capacidad de almacenamiento de los documentos.SUBSTITUTE SHEET RULE 26 and normalize the files to be sent by the user to said entity. However, no progress has been made in those cases in which remittances are, for example, bank checks, being in these cases the presence or sending of physical documents to the corresponding bank office for processing, either in a way manual or through reader terminals that capture certain data from real documents. There is no evidence of a teleprocessing system that avoids the presence and storage of the document in the receiving entity, in such a way that it allows to substantially accelerate the process of validation of the document and also its storage by electronic means, with the consequent advantages of rapidity in the process and storage capacity of documents.
La posibilidad de efectuar pagos o cobros u otros movimientos en una cuenta bancaria utilizando un teléfono u otro terminal móvil como un PDA se ha descrito en diversos documentos, entre los que destacamos los siguientes: DE10114237, JP2002197399, JP2001297198, W09847116, 09718653, W09613814, WO9302424, EP0785534.The possibility of making payments or collections or other movements in a bank account using a telephone or other mobile terminal such as a PDA has been described in various documents, among which we highlight the following: DE10114237, JP2002197399, JP2001297198, W09847116, 09718653, W09613814, WO9302424, EP0785534.
HOJA DE SUSTITUCIÓN REGLA 26 También es conocido el documento JP2002140499, que describe un sistema para ejecutar varias funciones en tiempo real a través de un teléfono portátil conectado a Internet, donde despliega menús y formularios de una entidad para realizar a través de ellos diversas funciones relacionadas con los negocios .SUBSTITUTE SHEET RULE 26 Document JP2002140499 is also known, which describes a system for executing several functions in real time through a portable telephone connected to the Internet, where it displays menus and forms of an entity to perform through them various business-related functions.
El documento FR2817107 describe un procedimiento de firma electrónica efectuado a través de un teléfono móvil para permitir asi efectuar operaciones financieras a su usuario. El documento EP0247788 se refiere a un sistema de almacenamiento y recuperación de imágenes de un objeto, básicamente la cara del usuario, para mostrarlas más tarde en una pantalla como medio de autenticación de tarjetas de crédito o similares.Document FR2817107 describes an electronic signature procedure carried out through a mobile telephone to allow financial operations to its user. Document EP0247788 refers to an image storage and retrieval system of an object, basically the user's face, for later display on a screen as a means of authenticating credit cards or the like.
En el documento 09736254 se describe un sistema automático de tratamiento de cheques que incluye un dispositivo de entrada de datos relativos a la cuenta corriente y al importe y un medio de captación de una imagen digitalizada del anverso delDocument 09736254 describes an automatic check processing system that includes a data entry device related to the current account and the amount and a means of capturing a digitized image from the front of the
HOJA DE SUSTITUCIÓN REGLA 26 cheque que es enviada electrónicamente a través de un ordenador.SUBSTITUTE SHEET RULE 26 check that is sent electronically through a computer.
En resumen, se han descrito metodologías de tratamiento electrónico de documentos y demás información bancaria, pero en ninguna de ellas se emplea la imagen digital del documento para su almacenamiento en sistemas informáticos ni, conjuntamente con los anteriores, medios de emisión de datos por parte del usuario y su transmisión por medio de un teléfono móvil o un equipo portátil similar.In summary, electronic document processing methodologies and other banking information have been described, but in none of them is the digital image of the document used for storage in computer systems or, together with the above, means of issuing data by the user and its transmission by means of a mobile phone or similar portable equipment.
Descripción de la invención.Description of the invention
La presente invención se aplica a la admisión de documentos, por ejemplo documentos bancarios o financieros y preferentemente a la validación e ingreso en la cuenta existente en una entidad bancaria de cheques por parte de un usuario empleando un dispositivo móvil con cámara incorporada, capaz de capturar y transmitir imágenes digitales, además de realizar las operaciones habituales de telefonía.The present invention applies to the admission of documents, for example bank or financial documents and preferably to the validation and entry into the existing account in a bank of checks by a user using a mobile device with built-in camera, capable of capturing and transmit digital images, in addition to performing the usual telephone operations.
HOJA DE SUSTITUCIÓN REGLA 26 El método objeto de la presente invención se desarrolla en una sesión interactiva efectuada en tiempo real, durante la cual el usuario utiliza su teléfono móvil como medio de comunicación y transmisión de un documento a la entidad receptora del mismo, la cual lo almacena, procesa y en su caso valida de forma automática, comunicando al usuario su conformidad o no con la operación realizada. En este proceso se sigue la siguiente metodología:SUBSTITUTE SHEET RULE 26 The method object of the present invention is developed in an interactive session carried out in real time, during which the user uses his mobile phone as a means of communication and transmission of a document to the receiving entity thereof, which stores, processes and processes it. if applicable, it validates automatically, communicating to the user their agreement or not with the operation performed. In this process the following methodology is followed:
a) La identificación del usuario que abre una sesión interactiva con la entidad receptora a través del operador de comunicaciones móviles.a) The identification of the user who opens an interactive session with the receiving entity through the mobile communications operator.
b) La introducción de diversos datos de reconocimiento del usuario, consistentes en claves de seguridad para su identificación y autenticación, pudiendo éstas ser un número secreto, un número de teléfono asociado y su matricula (IMEI), asi como datos asociados al propio documento, como por ejemplo, el importe y/o número del documento.b) The introduction of various user recognition data, consisting of security keys for identification and authentication, which may be a secret number, an associated telephone number and its registration number (IMEI), as well as data associated with the document itself, such as the amount and / or number of the document.
c) La captación de al menos una imagen digital del documento.c) The capture of at least one digital image of the document.
HOJA DE SUSTITUCIÓN REGLA 26 d) El cifrado y la certificación digital de los datos y/o imágenes capturadas en los puntos anteriores.SUBSTITUTE SHEET RULE 26 d) The encryption and digital certification of the data and / or images captured in the previous points.
e) La transmisión de la imagen digital y de los datos de reconocimiento, una vez cifrados, a la entidad que ha de aceptar el documento.e) The transmission of the digital image and the recognition data, once encrypted, to the entity that has to accept the document.
f ) La visualización por parte del usuario de la imagen digital de forma inmediata.f) The visualization by the user of the digital image immediately.
g) El reconocimiento, verificación y el tratamiento y procesamiento electrónico de la información recibida por parte de dicha entidad.g) The recognition, verification and electronic processing and processing of information received by said entity.
Según una importante característica de la presente invención tanto la captación de imágenes, como introducción de datos, cifrado de los mismos y transmisión de datos e imágenes y demás operaciones descritas en los apartados a),b),c), d) y e) se realizan con un dispositivo móvil con cámara digital incorporada, capaz de capturar y transmitir imágenes digitales, además de las operaciones habituales de telefonía.According to an important feature of the present invention, both image acquisition, data entry, encryption and transmission of data and images and other operations described in sections a), b), c), d) and e) are performed with a mobile device with a digital camera built in, capable of capturing and transmitting digital images, in addition to the usual telephony operations.
HOJA DE SUSTITUCIÓN REGLA 26 Los datos empleados para reconocimiento del usuario, consisten en aquellos que son propios del operador de comunicaciones móviles, como pueden ser: el número del teléfono móvil, el número del dispositivo móvil, y opcionalmente un sistema de geolocalización y los que son propios de la entidad receptora, como pueden ser, unas claves de autenticación consistentes en un identificativo de usuario y contraseña, un número secreto en cualesquiera de sus formatos. La unión de todos estos elementos, lógicos y físicos, implementa un mecanismo de seguridad novedoso por la combinación de elementos de identificación y autenticación propios de la entidad receptora y del operador de comunicaciones móviles.SUBSTITUTE SHEET RULE 26 The data used for user recognition, consist of those that are typical of the mobile communications operator, such as: the mobile phone number, the mobile device number, and optionally a geolocation system and those that are specific to the entity receiving, such as authentication keys consisting of a user ID and password, a secret number in any of its formats. The union of all these elements, logical and physical, implements a novel security mechanism by the combination of identification and authentication elements typical of the receiving entity and the mobile communications operator.
Durante todo el proceso existe una comunicación constante entre el usuario y la entidad financiera a través de la operadora de comunicaciones móviles.Throughout the process there is constant communication between the user and the financial entity through the mobile communications operator.
Con este sistema se logra una mayor sencillez, rapidez y seguridad en el proceso de admisión de documentos y efectos bancarios y particularmente en el ingreso de cheques, desplazando la tradicional lectora de cheques por un dispositivo móvilThis system achieves greater simplicity, speed and security in the process of admission of documents and bank effects and particularly in the entry of checks, moving the traditional check reader by a mobile device
HOJA DE SUSTITUCIÓN REGLA 26 multipropósito. El procesamiento inmediato de la información transmitida por este sistema y su tratamiento electrónico permite la inmediata disponibilidad en cuenta por parte del usuario y la eliminación de mecanización manual por parte de la entidad, que ve asi reducida la mano de obra necesaria ya que el proceso de truncamiento se efectúa por dispositivos remotos ajenos a la entidad financiera. El usuario de este servicio evita desplazamientos innecesarios a la oficina bancaria para presentación de sus documentos al cobro, y la visualización inmediata de la imagen en su cuenta. En general este sistema facilitará la implantación de la banca electrónica para efectuar las gestiones a las que se destine.SUBSTITUTE SHEET RULE 26 multipurpose The immediate processing of the information transmitted by this system and its electronic treatment allows the immediate availability on account by the user and the elimination of manual mechanization by the entity, which thus reduces the necessary workforce since the process of Truncation is done by remote devices outside the financial institution. The user of this service avoids unnecessary trips to the bank office to present their documents for payment, and the immediate display of the image in their account. In general, this system will facilitate the implementation of electronic banking to carry out the procedures to which it is intended.
Para la mejor comprensión de cuanto queda descrito en la presente memoria se acompañan unos dibujos en los que a titulo de ejemplo se representa un caso práctico de realización según el método aqui preconizado, en dichos planos:For the best understanding of what is described herein, some drawings are attached in which, by way of example, a practical case of embodiment is represented according to the method hereby recommended, in said planes:
Descripción de las figuras .Description of the figures.
HOJA DE SUSTITUCIÓN REGLA 26 La figura 1 muestra esquemáticamente el desarrollo del método de autenticación y transmisión de documentos, objeto de esta invención.SUBSTITUTE SHEET RULE 26 Figure 1 schematically shows the development of the method of authentication and transmission of documents, object of this invention.
La figura 2 muestra los medios habituales empleados en este método de autenticación.Figure 2 shows the usual means used in this authentication method.
Realización preferente de la invención.Preferred embodiment of the invention.
Tal y como se observa en la figura 1, el método de admisión de documentos y efectos bancarios con garantía de origen, esto es, identificación y autenticación del emisor de los documentos requiere el empleo de un equipo móvil por parte del usuario del servicio, un proveedor de servicios de comunicaciones móviles y también un equipo informático en la entidad suministradora del servicio al usuario.As shown in Figure 1, the method of admission of documents and bank effects with guarantee of origin, that is, identification and authentication of the issuer of the documents requires the use of a mobile device by the user of the service, a mobile communications service provider and also a computer equipment in the entity providing the user service.
El equipo necesario por parte del usuario ha de permitirle:The necessary equipment by the user must allow:
a) La identificación del usuario a efectos de lo cual, el usuario, abre una aplicación informática en el teléfono móvil en la cual se establece unaa) The identification of the user for which, the user opens a computer application on the mobile phone in which a
HOJA DE SUSTITUCIÓN REGLA 26 sesión interactiva con la entidad receptora a través del operador de comunicaciones móviles.SUBSTITUTE SHEET RULE 26 interactive session with the receiving entity through the mobile communications operator.
b) La introducción por parte del usuario de diversos datos para su reconocimiento, consistentes en usuario y contraseña y selección de la empresa beneficiarla.b) The introduction by the user of various data for recognition, consisting of username and password and selection of the company to benefit it.
c) Identificación del dispositivo en relación con el usuario, comprobación del número de teléfono asociado y su matricula (IMEI) .c) Identification of the device in relation to the user, verification of the associated telephone number and its registration (IMEI).
d) La captación de la imagen digital del anverso y del reverso del documento.d) The capture of the digital image of the front and back of the document.
e) La captación de datos asociada al documento, como por ejemplo, el importe y el número de cheque.e) The collection of data associated with the document, such as the amount and the check number.
f) El cifrado y la certificación digital de los datos y/o imágenes capturadas en los puntos anteriores.f) The encryption and digital certification of the data and / or images captured in the previous points.
g) La transmisión de la imagen digital y de los datos de reconocimiento, una vez cifrados, a la entidad que ha de aceptar el documento.g) The transmission of the digital image and the recognition data, once encrypted, to the entity that has to accept the document.
HOJA DE SUSTITUCIÓN REGLA 26 El equipo móvil que efectúa los procesos de captura, digitalización y procesamiento iniciales consiste en un terminal móvil telefónico dotado de las características y funcionalidades necesarias para tal fin, particularmente un teléfono móvil con cámara y capacidad de procesamiento.SUBSTITUTE SHEET RULE 26 The mobile equipment that carries out the initial capture, digitization and processing processes consists of a mobile telephone terminal equipped with the characteristics and functionalities necessary for this purpose, particularly a mobile phone with camera and processing capacity.
Por su parte, en la entidad que presta el servicio son necesarios unos medios de reconocimiento, verificación y tratamiento electrónico de la información enviada por el usuario. Estos medios son básicamente un equipo informático conectado a Internet, que dispone de un sistema de reconocimiento óptico (OCR) , un sistema de autenticación de claves y un medio de transmisión de datos al sistema de procesamiento de documentos de la entidad. La entidad receptora pone a disposición del usuario una imagen digital del documento, en su cuenta bancaria y procesa por los medios habituales (sistemas de truncamiento) el documento que esta tratando.On the other hand, in the entity that provides the service, means of recognition, verification and electronic processing of the information sent by the user are necessary. These means are basically a computer equipment connected to the Internet, which has an optical recognition system (OCR), a key authentication system and a means of transmitting data to the entity's document processing system. The receiving entity makes available to the user a digital image of the document, in their bank account and processes the document being processed by the usual means (truncation systems).
El nexo de comunicación entre cada usuario y la entidad consiste en una red de telecomunicaciones de telefonía móvil, por ejemplo una red GSM/GPRS o TITUCIÓN REGLA 26 cualquier tecnología futura con las capacidades tecnológicas adaptadas a las demandas presentes y futuras del método de referencia.The communication link between each user and the entity consists of a mobile phone telecommunications network, for example a GSM / GPRS network or TITUTION RULE 26 any future technology with the technological capabilities adapted to the present and future demands of the reference method.
En una realización preferencial este método se aplica a la autenticación del beneficiario del cheque bancario, cuyo documento original es digitalizado con un dispositivo móvil que incorpora una cámara digital capaz de obtener una fotografía digital del mismo, por una o por ambas caras. A través del teclado el usuario introduce los datos identificativos anteriormente referidos, como el importe del cheque y todos aquellos datos y claves necesarias para la operatividad del sistema, procediendo a su envió. Una vez cifrado el mensaje y acompañado de una certificación digital, a través de la red móvil (GSM, GPRS o cualquier tecnología futura) de una compañía operadora de telecomunicaciones. La entidad receptora del mensaje procede a su validación y cifrado, obteniendo finalmente una fotografía digital del cheque y una serie de datos que le permiten procesar de forma automática el ingreso del referido cheque en la cuenta del usuario del servicio. Finalmente el método prevé la transmisión de un mensaje SMS o TIT CIÓN REGLA 26 cualquier otro método al usuario indicándole la realización de la operación con éxito o no y en su caso el estado de la operación efectuada, si fue ingresado, rechazado.In a preferred embodiment, this method is applied to the authentication of the beneficiary of the bank check, whose original document is digitized with a mobile device that incorporates a digital camera capable of obtaining a digital photograph of it, on one or both sides. Through the keyboard the user enters the aforementioned identifying data, such as the amount of the check and all the data and keys necessary for the operation of the system, proceeding to its sending. Once the message is encrypted and accompanied by a digital certification, through the mobile network (GSM, GPRS or any future technology) of a telecommunications operating company. The entity receiving the message proceeds to its validation and encryption, finally obtaining a digital photograph of the check and a series of data that allow it to automatically process the deposit of said check into the account of the service user. Finally, the method foresees the transmission of an SMS or TIT CIÓN RULE 26 message any other method to the user indicating the operation to be carried out successfully or not and, where appropriate, the status of the operation carried out, if entered, rejected.
HOJA DE SUSTITUCIÓN REGLA 26 SUBSTITUTE SHEET RULE 26

Claims

REIVINDICACIONES
1.- Método de transmisión, autenticación y procesamiento automático de documentos digitalizados, por ejemplo de documentos financieros y no financieros, caracterizado porque comprende las1.- Method of transmission, authentication and automatic processing of digitized documents, for example of financial and non-financial documents, characterized in that it comprises
siguientes fases o etapas:following phases or stages:
a) La identificación del usuario que abre una sesión interactiva con la entidad receptora a través del operador de comunicaciones móviles.a) The identification of the user who opens an interactive session with the receiving entity through the mobile communications operator.
b) La introducción de diversos datos de reconocimiento del usuario, consistentes en claves de seguridad para su identificación y autenticación, como por ejemplo un número secreto; datos de reconocimiento del dispositivo móvil, pudiendo éstos ser un número de teléfono asociado y su matrícula (IMEI); y también datos asociados al propio documento, como por ejemplo, el importe y/o número del documento.b) The introduction of various user recognition data, consisting of security keys for identification and authentication, such as a secret number; recognition data of the mobile device, these may be an associated telephone number and its registration number (IMEI); and also data associated with the document itself, such as the amount and / or number of the document.
c) La captación de al menos una imagen digital del documento.c) The capture of at least one digital image of the document.
HOJA DE SUSTITUCIÓN REGLA 26 d) El cifrado y la certificación digital de los datos y/o imágenes capturadas en los puntos anteriores.SUBSTITUTE SHEET RULE 26 d) The encryption and digital certification of the data and / or images captured in the previous points.
e) La transmisión de la imagen digital y de los datos de reconocimiento, una vez cifrados, a la entidad que ha de aceptar el documento.e) The transmission of the digital image and the recognition data, once encrypted, to the entity that has to accept the document.
f ) La visualización por parte del usuario de la imagen digital de forma inmediata.f) The visualization by the user of the digital image immediately.
g) El reconocimiento, verificación, tratamiento y procesamiento electrónico de la información recibida por parte de dicha entidad.g) The recognition, verification, processing and electronic processing of the information received by said entity.
2.- Método, según la reivindicación 1, caracterizado2. Method according to claim 1, characterized
porque tanto la captación de imágenes, como introducción de datos, cifrado de los mismos y transmisión de datos e imágenes y demás operaciones descritas en los apartados a),b),c),d) y e) de la reivindicación 1, se realizan con un dispositivo móvil con cámara digital incorporada, capaz de capturar y transmitir imágenes digitales, además de las operaciones habituales de telefonía.because both image acquisition, data entry, encryption and transmission of data and images and other operations described in sections a), b), c), d) and e) of claim 1, are performed with a mobile device with a built-in digital camera, capable of capturing and transmitting digital images, in addition to the usual telephony operations.
HOJA DE SUSTITUCIÓN REGLA 26 SUBSTITUTE SHEET RULE 26
3.- Método, según las reivindicaciones 1 y 2, caracterizado porque los datos empleados para reconocimiento del usuario, consisten en aquellos que son propios del operador de comunicaciones móviles, como pueden ser: el número del teléfono móvil, el número del dispositivo móvil, y opcionalmente un sistema de geolocalización y los que son propios de la entidad receptora, como pueden ser, unas claves de autenticación consistentes en un identificativo de usuario y contraseña, un número secreto en cualesquiera de sus formatos; de forma que la unión de todos estos elementos, lógicos y físicos, implementa un mecanismo de seguridad que es combinación de elementos de identificación y autenticación propios de la entidad receptora y del operador de comunicaciones móviles.3. Method according to claims 1 and 2, characterized in that the data used for user recognition, consist of those that are specific to the mobile communications operator, such as: the mobile phone number, the mobile device number, and optionally a geolocation system and those that are specific to the receiving entity, such as authentication keys consisting of a user ID and password, a secret number in any of its formats; so that the union of all these elements, logical and physical, implements a security mechanism that is a combination of identification and authentication elements of the receiving entity and the mobile communications operator.
4.- Método, según cualquiera de las reivindicaciones anteriores, caracterizado porque se aplica4. Method according to any of the preceding claims, characterized in that it is applied
preferencialmente a la validación e ingreso en cuenta de cheques en una entidad bancaria directamente por parte de un usuario desde su teléfono móvil a través de su operador de comunicaciones móviles.preferentially to the validation and deposit into a bank account directly by a user from his mobile phone through his mobile communications operator.
HOJA DE SUSTITUCIÓN REGLA 26 SUBSTITUTE SHEET RULE 26
PCT/ES2003/000558 2003-10-30 2003-10-30 Method for the transmission, authentication and automatic processing of digitised documents WO2005043857A1 (en)

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