Telephonic communications – Telephone line or system combined with diverse electrical... – Having transmission of a digital message signal over a...
Patent
1996-04-15
1998-04-14
Chan, Wing F.
Telephonic communications
Telephone line or system combined with diverse electrical...
Having transmission of a digital message signal over a...
379 9326, H04M 1100
Patent
active
057402329
DESCRIPTION:
BRIEF SUMMARY
DESCRIPTION
1. Technical Field
The present invention relates to a system for telephone-securized transactions. It has applications in electronic funds transfer, televoting, games, remote betting, etc.
2. Prior Art
Teletransactions or remote transactions have developed to a significant extent over the past few years. They make use of the telephone network connecting a telephone terminal to a server. The latter sends vocal messages to the user, who replies using the keys of the telephone terminal keypad. The signals addressed in return to the server are generally of the dual tone multi-frequency or DTMF type.
In the most highly evolved systems, the server is able to interpret certain words spoken by the user and taken from within a restricted vocabulary.
In this particular use of the telephone, there is a vital need for security when the transaction is of the monetary type (electronic funds transfer) and in more general terms whenever there are risks of fraud.
In order to meet this need, it is possible to equip a telephone terminal with a data processing power outlet of type RS 232 and connect to it a smart card reader (generally known under the abbreviation LECAM), said reader incorporating a software and means appropriate for the transmission and reception of data intended for and coming from the server. In this card reader is inserted a smart card able to fulfil security functions, such as the checking of a confidential code, the authentication of an external entity, the assistance in the authentication of the card by an external entity, the recording of a right, etc. These functions involve algorithms using cryptographic codes, random drawing of numbers, comparisons, etc.
Although these means are satisfactory, they suffer from the disadvantage of requiring telephone terminals equipped with a data processing peripheral power outlet. However, ordinary telephone terminals are not generally equipped with such a power outlet, so that it is necessary to change terminal in order to perform such securized transactions.
The present invention aims at obviating this disadvantage by offering a simple way to perform teletransactions using standard telephone terminals.
DESCRIPTION OF THE INVENTION
To this end, the invention proposes associating with the standard telephone terminal securizing means constituted by a portable package or unit equipped with a keypad, a display and a sound signal transmitter able to cooperate with the telephone terminal transmitter, said unit being able to accept a smart card able to perform security functions. This card is connected to the keypad, to the display and to the sound signal transmitter.
The information exchange necessary for securizing a transaction then takes place in a different manner as a function of the direction of the information. In the card-server direction, it is the sound transmitter of the unit and the transmitter of the telephone terminal which ensure the connection by the bias of the sound signals transmitted by the unit. In the server-card direction, it is the telephone terminal loudspeaker, the user and the keypad which ensure the connection, the user typing the vocal message supplied by the loudspeaker to the keypad so that said message is transmitted to the card.
Therefore the user is one of the links of the transmission chain in the server-card direction. In the other direction (card-server), the transmission is automatic. However, this intervention on the part of the operator causes no problem because, in practice, the message transmitted by the server is generally short consisting of a few, e.g. four digits which are usually sufficient to ensure the security functions.
It should be noted that units equipped with a DTMF acoustic transmitter able to cooperate with a telephone terminal already exist, particularly for automatically dialling telephone numbers. If these units contain memories, they contain no smart cards able to implement security algorithms and they require no intervention on the part of the user in one or other transmission direction.
The p
REFERENCES:
patent: 4799254 (1989-01-01), Dayton et al.
patent: 5561710 (1996-10-01), Helms
"Build This Pocket Data Terminal" by Charles Edwards, Radio-Electronics, Jan. 1976, pp. 29-32.
Delaballe Jacques
Pailles Jean-Claude
Chan Wing F.
Cogecom
France Telecom
La Poste
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