WO1983001358A1 - Method and device for the query of data files and/or banking transactions, protected from frauds by means of a communication method coded by random variable - Google Patents

Abstract

The invention relates substantially to a terminal (1) allowing to effect at home and in relation with a central organization (42), through a telecommunication network T, banking transactions and queries. The transmissions of data between the device (1) and the central organization (42) are effected confidentially according to a coding method by random variable (t) based on the time by means of a hybride circuit (76). The device (1) further comprises an electronic printer (100') printing on photosensitive paper, at the end of each banking transaction, an inviolable proof ticket (170) and further allows to settle one's bills by means of a detachable magnetic module (81) issued from said bill and read by a sub-assembly (79) of the device (1).

Description

 Method and device for consulting data files and / or bank transactions, protected from fraud by means of a communication method coded by random variable.

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,

- on the one hand, banking operations such as:

. a direct transfer to his bank,. payment of an invoice, • consultation of your bank position,

and more generally any banking transaction usually requiring a trip to an ATM,

on the other hand, commercial operations such

. a reservation,

. An order,

. a commercial promotion,

- in addition, documentary consultations of specialized files,

- and finally communication of documents between individuals It also relates to a device and various accessories ensuring the efficient implementation of this process.

It has long been known to use the telephone network to transmit documents remotely between individuals

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. -

More recently, attempts have been made to make privileged individuals available from public or private databases by means of "screen terminals".

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.

In addition, certain types of sophisticated and uncommon materials carry out the optical reading of a document, its transfer by the telecommunications network and its availability to a contact after copying using a printer.

All these methods of transmitting information provide only ad hoc solutions to the problem of i ndi idual communication 1 e.

In addition, in the banking field, the consultation by an individual of his account situation is at the same time long, painful and random. The bank usually sends him a periodic statement of his account by post, but

- fôrïlA this represents only a past situation. In the best of cases, the instant consultation of his account requires moving to a counter equipped with a terminal linked to a central banking site and capable of delivering information concerning this account at the request of an operator. These difficulties cause losses of considerable time for individuals and oblige them to carry out a very tedious accounting if they wish, very legitimately, to be constantly in possession of the instantaneous state of their account. This state is also often inaccurate, to their disadvantage, because it is impossible for them to predict exactly the settlement dates of their creditors.

This same situation subjects banking organizations to internal personnel charges to ensure the periodic sending of their statements of accounts to customers and, moreover, to respond to their numerous requests for instant consultations in the counters.

In addition, the current conditions for payment of invoices by postal check,

- on the one hand, oblige debtors, creditors and bankers and accounting efforts entailing significant costs, and

- on the other hand, impoverish the economy by depriving it of considerable masses of "floating" money in the course of allocation.

To date, no simple, inexpensive device is known allowing individuals to instantly carry out consultations and banking operations at home or in public places while being surrounded by all the necessary security conditions.

It will be obvious that the only way to achieve such a home banking function is to use a

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.

But we also realize that such a device must personalize the information and services it provides.

It is important, in particular, that the position of a bank account is only issued to its holder to respect the rigor of bank secrecy.

It is also necessary that the banking organizations can verify the identity of the users of such a device and ensure the legitimacy of the transaction orders received.

Finally, 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.

Several simple means are known for personalizing the services delivered by a device.

The simplest is to individualize the device, that is to say, to put it only at the disposal of individuals who must use it.

According to a more recent process, used in particular to give access to a collective garage to its various co-owners, 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. But one of the shortcomings of this type of device is that it cannot be protected against fraudulent users of stolen badges.

This is the reason why an improvement to the previous identification process, used in particular to give access to a public cash dispenser, consists in giving each "authorized user" both a secret identification code and a badge supporting information allowing each device to deduce this secret code identifying the legitimate holder. During each request, the user must insert his badge inside a reader which deciphers it and isolates the theoretical identification code of the holder. In addition, he must sign his identification code, in particular on a keyboard. The device performs the comparison and only authorizes access to its services if the theoretical code and the signified code correspond.

This type of verification is very effective and allows the device to be assured of the identity of each user.

_ - - applicant.

On the other hand, current telecommunication devices are unsuitable for simply transmitting data and messages in coded form under conditions such that they prohibit fraud.

The main objects of the present invention are:

- on the one hand, a simple and very easily automa¬ tisable method of coded secret transmission, ensuring two interlocutors of the confidentiality of their exchange and preventing any third party from impersonating one of the interlocutors,

- And, on the other hand, a "multiserv terminal" providing at home and according to the secret transmission method above

ΓCΓRE. _

OMFI . all the consultation and transaction functions of a bank counter, and

. bringing together, in a homogeneous device, all the usual modes of data consultation and communication between individuals mentioned in the preamble.

Indeed, 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.

In this regard, the invention proposes to transmit said messages by coding each of them using a "random variable in time" for any third party.

According to a first form of the coded transmission method according to the invention, it is advisable to use as coding key an indication of time relative to the transmission phase of each message. Thus, the receiver knowing the decoding algorithm, as well as the instant coding key, will be able to easily unscramble the messages transmitted by A. On the other hand, no third party person will be able to systematically analyze the sequence of messages transmitted due to the "random" character of the coding process.

In particular, it is possible to choose as 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.

Furthermore, to put caller B in a position to unscramble the transmitted message, according to the algorithm in his possession, it is proposed in a particularly advantageous form to transmit during each message the random coding key for his interference. However, 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.

% as well with other devices of the same type as with one or more central organizations capable of responding to users' requests for consultations or bank transactions. In addition, it includes:

10

- a device allowing its users to serve their requests, in particular an alphanumeric keyboard,

- And 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.

Furthermore, the device according to the invention is provided

20

an identification subset emitting during each request message an identification linked to the user and / or to the device,

25 - a coding system interfering with the identification transmitted according to the process mentioned above,

- And 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. According to a particularly advantageous characteristic of the invention, 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.

According to another particularly advantageous characteristic, 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.

This verification can be carried out on site inside the device. In this case, 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.

Furthermore, the verification of the identity of the user can be carried out within the central organization B. In this case, after introduction of the badge, 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.

Thus, 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.

In particular, no third party, even in possession of a stolen identification badge, may carry out a fraudulent consultation or transaction.

In addition, according to a particularly advantageous implementation, 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.

Thus, the central body is certain of the origin of the call sent by the device.

Finally, according to a preferred variant, 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. Thus, 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.

To this end, the device is provided with an original "electronic printer" performing, according to a "photographic" process, the unforgettable 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.

According to a first variant using conventional printing kinematics, 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. However, according to another variant of use preferred by the invention, 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.

From a general point of view, we notice first of all that its printing device does not include any moving mechanical part. It essentially consists of a bundle of optical fibers placed opposite diode arrays. By its nature, this device is therefore likely to be the subject of automated mass production at a very reduced price.

Furthermore and especially in its second version, 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.

Because of this, this printer;

- on the one hand, undergoes very reduced mechanical wear, which gives it an almost unlimited lifespan, and - on the other hand, is accompanied by an absolute operating silence.

In addition, the only electronic activation of this printer gives it remarkable printing speed. This is only limited by the sensitivity of the paper on the order of a thousandth of a second.

In addition, its maintenance is almost zero. In particular, the absence of transfer support (printing ribbon) limits this maintenance to the periodic replacement of the paper feeder which can be very simplified if the latter is in the form of a compact "cartridge" similar to those used for cameras.

But, moreover and above all, 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.

First of all, according to a preferred embodiment, 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.

In addition, the whole is imprisoned: multi-print heads (that is to say, diode arrays and bundle of optical fibers) and control circuit within a homogeneous compact block overmolded with a resin cover. . This assembly is connected to the main microprocessor for controlling the device only by means of a connection pin. Thus, any attempted fraudulent craft piloting of the printing device by a third person is made impossible. Only the main microprocessor is able to control this printer.

In addition, according to the method of the invention, each document issued on photosensitive paper is instantly revealed and, as a result, cannot be subject to any subsequent falsification.

Consequently, 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 according to the invention 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.

Preferably, the device is also, in particular inside a tamper-proof hybrid circuit, provided with both a clock system and a telephone pulse counter. Thus, the electronic printer is able to issue proof of transaction tickets that bring together:

- the full references of the order,

- the date and time of the transaction,

- the state of the pulse counter, and

an acknowledgment number issued by 1 ' The possibility of combined verification of the authenticity of the last three characteristics of the ticket makes the chances of success of a possible falsification more than impossible,

But, moreover, another particularly advantageous aspect of the invention is to ensure considerable savings for debtors and creditors in the processing of invoices.

In fact, after receipt of a conventional invoice, it is possible to make payment almost instantaneously using the device according to the invention. For this purpose, it suffices to call the banking organization following one of the sequences described above and to indicate to it, using the alphanumeric keyboard, the accounting information carried on the invoice. The bank then takes care of the transaction after verifying the admissibility of the order.

This processing can be carried out automatically by a computer. The latter decrements the debtor's account and increments that of the creditor. In addition, the creditor is issued with the documentary evidence of the settlement.

Independently of the drop in accounting costs brought about by the simplicity of this method of payment and the interest for the community of seeing the continual mass of "floating money" that the invoices being paid represent, reports clearly that this method has the undeniable advantage of reducing the gross cost of transport of the payment method because it replaces an envelope and a stamp, that is to say, human distribution costs, by a simple telephone communication and automatic processing. We can thus estimate the eco nomie realized at more than eighty percent of the current costs of invoice processing.

Furthermore, according to another aspect of the invention, the settlement of a bill can be carried out according to a much more efficient and immediate process.

According to this variant, the creditor sends a new type of invoice formula to its debtor:

- on the one hand, of a printed slip gathering in a classic form the accounting information relating to the invoice,

- and, secondly, 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

10 telecommunications, to a centralized body of banking transactions which makes the payment corresponding to the invoice.

According to an implementation of this method of settling 15 invoices, preferred by the invention, the invoice formulas comprise a detachable magnetizable module, in particular in accordance with the dimensional standards of the current magnetic badges.

20 The creditor has a billing system including:

- means for serving accounting data on invoices, such as an alphanumeric keyboard,

25

- as well as a classic alphanumeric printer and a magnetic print head, these two printing systems performing on each billing formula at the same time

30 . the edition of the classic invoice slip,

. and the magnetic recording of this slip on the detachable magnetic module.

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

To settle an invoice, 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.

We can easily perceive the considerable time savings that result from the implementation of such a bill payment process.

We also realize that this absolute simplification of the conditions for processing invoices is made possible by the security condition generated by the communication process of the invention.

Other characteristics and advantages of the invention will appear in the description which follows with reference to the appended drawings, which description and drawings are given only by way of nonlimiting example. In these drawings:

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; ι 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.

This performs both the functions:

- a conventional telephone set with a handset 2 and a number dialing keypad,

- a database consultation device

, public,. or private,

- and a consultation and banking transaction system.

To this end, 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:

a standard badge reader, the insertion slot of which appears at 8, allowing the user in particular to indicate his identity and which can also provide accounting functions which will be mentioned later,

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,

a video monitor 12 for the visual provision of the user,

. information 13 provided by these interlocutors,

. as well as display for information or verification of the messages transmitted.

Furthermore, there is a distinction at 15 for the extraction area by the user of "tamper-proof" proof tickets attesting to all the operations carried out on the machine and the embodiment of which will be developed below.

Finally, 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.

We will see later that they also participate in the function of "secret transmission" of data performed by the device 1 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.

Thus, there is shown at 30 an automatic telephone exchange constituting the "backbone" of the overall system which is the subject of the invention. It will of course be understood that this exchange 30 symbolizes all of the telecommunication systems constituting the telephone network. On this central are connected:

on the one hand, two domestic terminals according to the invention 1a and 1b via lines 32 and 33,

- on the other hand, two "point of sale" terminals 35a and 35b via lines 38 and 39.

These two types of devices are intended to decentralize the banking function to the level of individuals and merchants.

Furthermore, at the upper part, in zone 40, the symbol "banking function" has been symbolized as proposed according to the method of the invention.

First of all, it includes 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:

- check remittances,

- transfers of transfer orders,

- the reception of transfer orders,

- central file consultations ...

Furthermore, the central site 42 uses a computer coupled to a central memory 48 to:

- chronological memorization of the operations carried out,

- the calculation of each customer's new balance, and

- systematic and instantaneous update of the status of each customer account.

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 result of the requested consultation,

- or an acknowledgment number which can serve as the basis for the issue of a proof of transaction ticket, the characteristics of which will also be described below.

In addition, at the end of each transaction or consultation requested by the device 1, the central site 42 records the contact details of the caller, those of the device and the nature of the service rendered within a mëm-θïr ^ ë 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.

Finally, regularly, 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.

We realize that one has achieved the object of the invention, ie a system to kill effec¬, home, and almost instantly, all banking operations ^requiring travel to counter.

However, we also note, connected to the central office 30 via the PABX 52 and the line 53, 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.

In addition, connected to the central office 30 by means of auto-switch 60 and the line 61, there is 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.

Finally, we note that 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

- ËË printing 65 and possibly a magnetic data reader on cassette 66b, allowing them to constitute, in addition to their banking consultation function, real TELEX at home making it possible to compose texts, to verify them, to transmit them and to keep; or receive such texts, memorize them and edit them. This improved version. which will be described in more detail in Figure 17 makes it possible to meet the most ambitious expectations of telematics, that is to say the integration of video-text within the urban telephone.

With reference to FIGS. 3 and 4, the main characteristics of the essential phases of communication of callsigns, verification of identity and transfer of secret information which allow device 1 according to the invention to be described are described. '' provide at home, through the public telecommunications network and under the necessary security conditions:

- banking operations with a central site 42, - and consultations of private databases.

Throughout this description, the term "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.

Thus, whatever the type of identification badge 70 introduced, 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.

One of the preferred modes of this interference according to the invention is described in FIG. 4 together with FIG. 3.

In this figure, 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 . In particular, at time t, if the device 1 must transmit the message m to the site 42 in coded form, it will send the message M = ft (m) to it, ft representing the coding algorithm at instant t.

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.

On the other hand, third parties have no chance of succeeding in discovering the algorithm for coding the messages transmitted because it constantly evolves over time.

The implementation of this coding method is within the reach of those skilled in the art and the definition of the ft algorithm can vary endlessly. In fact, we understand that we can take for ft any algebraic function of the two invertible variables t and m in m whatever t.

This ft function and its inverse ft can be generated very simply using a conventional preprogrammed microcomputer.

Thus, at the instant to, the badge 70 is introduced into the reader 71 by the user. The hybrid circuit 76 receives, according to 1-, the RIB from the reader at the instant t ^. It is fitted with a tamper-proof microcomputer performing the ft function. At the moment t ₂ . it transmits according to g, to the central organization 42, using the network T, the coded message M = ft ₂ (RIB).

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. ^. 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.

According to the result of the comparison, the central body addresses at the instant t _g according to g '"towards the device a message of acceptance or rejection of any request.

If accepted by the central body, it will be noted that the latter is certain of the identity of the user. It will also be noted that it is impossible for third parties to discover the code of a legitimate user. As a result, any fraudulent request is made impossible.

After acceptance, the user signifies his request. As shown in Figure 3, this meaning can be:

- performed simply by typing on the alphanumeric keyboard 10, in particular if it is a request for consultation of a data bank,

- Or, in a more elaborate manner, transmitted instantly and automatically to the device 1 via a suitable reader 79 using an intermediate support such as a card 80 or a magnetic module 81. This procedure, very advantageous for instant settlement of invoices will be discussed later.

If the request must be personalized and secret, 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.

If this information must remain confidential (this is particularly the case for banking information) the central organization codes them according to the method of the invention using an auxiliary coding circuit 85. In this case, the device 1 is provided with a hybrid decoding circuit 86 of this information.

On the other hand, if 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.

Finally, 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.

One easily realizes that one. 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.

After the introduction by a user of his identification badge 70 according to i inside the reader 71 of the device 1, 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.

Similarly, 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:

- both the badge RIB, identifying the user _; transmitted according to l _β at circuit 76, - And an identification number of the device 1 generated according to 1 ₇ by a hybridized memory 96.

Furthermore, 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.

Thus, 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.

In addition, after decoding the identification message transmitted by 1, 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.

Thus, the central site is certain of the origin of the call before executing any request from a user.

It will be understood that this type of terminal is entirely suitable for use at home.

Figures 6 to 8 show a first alternative embodiment of the electronic printer 100 according to the invention.

As shown in FIGS. 6 and 7, the printing device is essentially constituted by a matrix 102 pierced with an orthogonal network of 5 × 7 = 35 recesses 104 within which are placed light-emitting diodes 106. Each of these diodes 106 is extended by an optical fiber 107, the assembly of which forms a converging beam 108. 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 kinematics of this printer 100 is described in FIG. 8.

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:

on the one hand, that the movement along o - ^ of the printing device 110 is facilitated by the sliding of the balls 113 of the bearing 112 against the lateral bearing 128 of the light 116,

- on the other hand, that a perfect application of this same device 110 against the paper 120 is ensured by the partial degree of angular freedom that the bearing 112 gives it.

Under the control of a special circuit 130 controlled by microprocessor, 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. Thus, we note in Figure 6, that 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. Thus, 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.

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.

This operation is repeated until complete printing of a line 132. The printing device is then moved along o ₂ to the origin and the ribbon 119 of paper 120 goes up according to n of a line using of a conventional device (not shown) controlled by the circuit 130.

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.

We realize that this electronic printer 100, without a mechanical moving printing part and without transfer support but guaranteeing however a very good definition thanks to its principle of optical focusing, constitutes a very simple answer to the current cost problem. cost of small auxiliary printers for domestic appliances, such as microcomputers whose printer generally determines the main part of the manufacturing cost. In Figures 9 and 10, there is shown an embodiment 100 'of the electronic printer according to the invention having particularly advantageous characteristics.

According to this variant, 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 '.

Thus, it is noted, with reference to FIG. 9, that 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.

As a result, after the printing device 110 ′ has been put in place, the end 151 of the bundles 108 is aligned in the printing plane P of the ribbon 120 and perpendicularly to its axis zz ′,

Under the direction of a control microprocessor, an embodiment of which will be mentioned in FIG. 14, the different characters of a line to be printed are displayed simultaneously in an appropriate order on the various matrixes 102 of light-emitting diodes 106.

Thus, the photographic printing of the different characters of a line 153 can take place simultaneously.

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:

a system, contained inside the zone 155, for driving the ribbon 119 by cooperation between various crenellated wheels 156 activated from the outside, with the perforated lateral edges 157 of the ribbon 119, and

face to the drive device 156, inside the hollow rim 158, surmounting the transverse slot 148 for insertion of the printing device 110 ′, a felted sleeve 159 soaked with revealing liquid instant fixing of the impressed photographic paper 120.

It will also be noted that 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 '. _. - • Of course, it will be understood that the device for unwinding and processing the paper 120, as well as the paper itself, 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. In particular, it is possible to use, inside a large-sized printer, a solution for instantaneous treatment of conventional paper with a powder before its exposure to light, as is used in current photocopier apparatus.

It is easy to realize that this printer 100 ′ has considerable advantages over current printing modes.

First of all, its cost price is very reduced due to its mechanical simplicity.

On the other hand, its maintenance is zero due to the inexis¬ tence of moving printing parts. 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.

In addition, 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

Therefore, it becomes possible to use this printer in very small devices such as cameras, pocket calculators extra¬ flat, portable memorizing microprocessors,,. In addition, 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.

Last but not least, the printed documents, photographic ent revealed and fixed, which it delivers are unforgeable. This allows them to be used as payment receipts in the banking field, and in particular as "proof of transaction tickets" issued by a terminal 1 according to the invention.

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,

We also notice _. that all of the matrices 102, the bundles 108 of optical fibers 107, the microprocessor 131 and the ^" control circuit 130" are included inside a compact coating 175 of resin, from which does not open electrical connection socket 176 inside which an eight-pin pin 177 can be inserted, communi¬ with the main sequence control microprocessor of device 1 via cable 178.

One of the embodiments of the printer control system 180 is described at the top of FIG. 14.

We recognize, in particular in 131 the printer control microprocessor, with integrated firmware 181 connected to its oscillator 182.

Note, similarly, the 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.

Therefore, any fraudulent manipulation of the printer 100 'is rendered impossible by "mixing" of the information is performed ^within' the control system 180 and 1 'inaccessibî 1 ity of the latter from the outside.

Consequently, 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. In FIG. 12, there is thus recognized a "proof of transaction ticket" 170 issued at 15 by the device 1 following a transaction requested by a user. This ticket 170 includes both:

- the date and time of the start 199 and end 200 of the request such as these could appear on the calendar 18,

the start 201 and end 202 state of the telephone pulse counter 20 during the request,

- the exact nature 203 of the request issued by the user and executed by the central body 42,

- call number 20 _. 4 of the device,

- the called number 206 of the central body 42, and - finally, an acknowledgment number 205 communicated by the central body 42.

Similarly, in Figure 13, there are indicative information given by a receipt ticket 171 consul- ^'tation, that is to say the date and start time 199 of the consultation, the call number 207 of the called organism as well as the final state of the pulse counter 208.

If we refer again to FIG. 14, we distinguish at the bottom, one of the preferred embodiments of the invention of the inviolable hybrid circuit (76, 86) for encryption and decryption of messages of the device-1 .

This first comprises a control microprocessor 210 with integrated microprogram 211 connected to its oscillator 212. The microprocessor is linked:

- to the telecommunications network T from which it detects the pulses, by means of the circuit 215, and - to the external connection BUS 188 of the signals of the main microprocessor of the device 1 via the register 218. Furthermore, it is provided with a data memory 220, protected from any fraudulent external reading and containing both:

- the identification number of the device 1, and ^•

- possibly, the subscriber identification number if the device is public, and ensuring, by means of circuit 221, continuous backup,

- the pulse totalizer 20 by means of the cooked circuit 222,

- and that of the calendar clock 18.

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. Finally, 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.

We note that this one, made from a paper support, includes:

- on the one hand, at the top, a zone 232 of conventional printing of the accounting characteristics of the invoice

- And, on the other hand, at the lower left, a detachable module 81 gathering on an ISO magnetic track (234) the accounting information necessary for the payment of this invoice.

In Figure 16, we have schematized the principles of an invoice according to the invention. First of all, we note that the invoice 230 is edited using the invoicing device 240, controlled by a computer 241 which ensures the accounting management of the creditor C. It will be understood, of course, that the device can be manually controlled by an alphanumeric keyboard.

The characteristics of this device 240 appear more clearly in the lower part of FIG. 15. It 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 conventional needle print head 245 controlled by r by the computer 41 and which publishes,

. on the one hand, on the printed area 232,

- the name of the customer 246, - the date 247 of the invoice 230,

- the detailed nature 248 of the invoice 230,

- the amount 249 of each service,

- as well as the total amount excluding taxes 250 and total 253 of the invoice 230,

. on the other hand, on the printed part 255 of the detachable magnetic module 81,

- the name of the customer 246 ', - the date 247' of the invoice 230, and

- the amount 253 '.

- And 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:

- ERU . the details of the bank account (RIB) of the account of creditor C (issuer of the invoice) to be credited,. the amount of the invoice, and

. if applicable, the nature of the invoice and the date of issue.

Once edited, according to the above process, 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. In addition, it is possible for him to d 'according to i an identification badge 80 with the coordinates 262 of his account within the bank to which he wishes to have the invoice 230 drawn. 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:

- on the one hand, a report 203 of the transaction, and

- on the other hand, the acknowledgment number 205 which. will serve as a basis for device 1 for issuing a ticket

170 "inviolable" proof of transaction,

Figure 17 shows a strong improvement before ^ ^ proposed by the invention the characteristics of the domestic terminal 1 to enable it to ensure ^':

- in addition to its telephone, consultation and banking functions mentioned above,

- the functions of a real TELEX micro for transmitting texts and documents between two interlocutors.

Thus, 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

- A player 277 for video-disc or disc 278 for recording of photography.

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.

The advantage of this type of combination is that each of the communications and each transmission of documents between A and B can be carried out confidentially according to the coding method of the invention and, therefore, unreadable by third parties.

Finally, the documents transmitted can be

either registered by A in 66 before communication to B - either recorded by device 1 of B in the absence of the latter.

It is easy to see that this type of multi-service terminal (1 + 270) provides a simple global solution to the problems of telematics.

FIGS. 18 to 20 describe a preferred embodiment of the device 1 to facilitate access to its owner of private data bank 55.

According to this variant, 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.

Thus, it is sufficient for each user of a device 1 to purchase 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.

The invention having now been exposed and its interest justified - on detailed examples, the applicant reserves exclusivity for the entire duration of the patent, without limitation other than that of the terms of the claims below. - ^' "? ^{' •}

Claims

Patent claims.

1, Secret transmission method

- a series of coded messages (m),

- from an interlocutor A to an interlocutor B, both likely to use the secret code (f) concerned,

this transmission method being intended to make it impossible to decode it by a third person systematically analyzing the sequence of messages transmitted,

said process being characterized in that A

- uses a "random variable (t)" for a third party, as the coding key for each of said messages that it transmits to B,

- and thus develops a scrambling mode for the transmitted messages, the key of which is random and therefore îndëchî systematically broken by a third person.

2. Method according to claim 1 of secret transmission:

- a series of coded messages (m),

- from contact A to contact B,

said method being characterized in that A uses at least one time indication (t) relating to the transmission phase as key for coding a message (m),

3, Method according to one of claims 1 and 2 of secret transmission:

- a series of coded messages (m),

- from an interlocutor A to an interloducer B,

said method being characterized in that A communicates to B during each message, the random coding key for its scrambling.

4, Method according to claim 2

- secret transmission by telecommunication of a series of messages (m),

- from contact A to contact B,

said method being characterized in that a variable linked to the time datum (t) is chosen as the random coding key, considered as characteristic common:

- from the instant of transmission of the message (m) by A,

- and from the moment the message is received by B.

5, - Use of a secret transmission method of a coded message (m) according to one of claims 1 to 4 to signify, as interlocutor A to a central body B, an indecipherable secret identification message by a third person, said use consisting in scrambling said transmitted message, using a random variable for third parties and in particular a time datum (t) relating to the transmission phase.

6. Use according to claim 5, of a transmission method according to one of claims 1 to 4,

- to have access as interlocutor A,

- personalized service,

.rendered by a central body B "and whose domain is reserved and linked to the identity of A, said use being characterized in that;

- A between relationship with the central body B by communicating to it an identification message in coded form according to the process claimed in 5,

- B receives and decodes said identification message from A and verifies its legitimacy before giving access to A at service area to which his identity entitles him,

7. Device (1) for consulting data files and / or bank transactions:

- available to at least one user A,

- and connected, via a MODEM, to a telecommunications network T,

- capable of connecting A with at least one central organization B intended to respond to said consultations of data files and orders for bank transactions of A,

said device being characterized in that it comprises in combination:

- a subset of interactive communications between A and B composed of at least,

. ^An alphanumeric keyboard (10) allowing the user A to serve its order of consultation and / or bank transac¬ tion,

, a video monitor (12), in particular with cathode-ray screen, for putting at device of A information (13) transmitted by B,

. and possibly indicative display for verification of communications signified by A to B on the alphanumeric keyboard (10),

a subset of identifications (70, 220) transmitting during each communication with B at least one identification linked to A and / or to said device,

- a scrambling coding system (76) according to the method of claim 5,

. the i denti fi cati on crumbled,

. with the help of a random vari abl e for any person,

where ^~ = ι . according to an algorithm (ft) defined in possession of B, - and a microprocessor for controlling the sequences of operation of the device,

. linked to the previous subsets,

. triggering on command of A the central site call procedure (B, 42) via the telecommunication network,. controlling transmission to B via MODEM,

. the coded message (m) originating from said identification transmitted scrambled by said coding system,

. as well as various communications from A to B,

. and activating the video monitor (12) to make available to A the information transmitted by B.

8. Device (1) according to claim 7 for consulting data files and / or bank transactions intended to allow (B, 42) to verify the identity of the users A of the device, through an identification badge (70) that each user has,

said device being characterized in that it further comprises a reader (71) of badges (70), physical information carriers, and in particular a plate for blocking and reading magnetic and memory badges, said badge reader performing , under the control of the command microprocessor and after introduction of a badge (70) of a user A,

- reading the information (m) on this badge (70) "

- and communication to said coding system (76) for transmission to B of an identification message (M = ft (m)) originating from the information carried by the badge and scrambled according to the method of claim 5,

9, Method according to claim 6, for control by an organization B of the admissibility of an order to consult data files and / or bank transactions issued by a user A using a device according to claim 8,

said method being characterized in that;

- A transmits to B, via said device (76), an identification message (M = ft (m)),

. based on the information (m) on his identification badge (70),

. and scrambled according to the method of claim 5,

- B decrypts this identification message (M = ft (m)) according to the secret algorithm (ft) in his possession, deduces therefrom a theoretical indicative (PIN) of access to the service of B, associated with the badge d 'identification (70),

- A means, by typing it on the alphanumeric keyboard (10), what it considers to be its access code and transmits it to B in scrambled form according to the method of claim 5,

- B compares said theoretical and signified indicative and authorizes A to access his request,

. if the comparison leads to equality,. and if the request formulated by A is located within the service area of B reserved for it,

10. Device (1) according to claim 7 for consulting data files and / or banking transactions, characterized in that it further comprises;

- A badge reader (71) (70), physical support of information, and in particular a blocking and reading plate - ^ - fês ^" magnetic and memory badges, said badg reader (71) performing under the control of the control microprocessor and after introduction of a badge (70) of a user upon reading the information carried on this badge and their communication to:

- a tamper-proof hybrid circuit (95, 97),

. connected to said reader (71),. comparing under the control of said control microprocessor,

. a theoretical code (PIN) for accessing the functions of the device, calculated within said circuit (95), from the identification information transmitted by the reader (71),

, and of a code signified by user A on said alphanumeric keyboard (10),

, and authorizing A to access the functions of the device (1) only in the event that there is equality between said indicative ^' theoretical and signified by user A.

11, Device according to one of claims 7, 8, 10, characterized in that its said coding system (76) consists of a tamper-proof hybrid circuit comprising at least:

- a random number generator (t) for third parties, in particular a clock (18),

- and a preprogrammed coding circuit (ft) of the messages transmitted by a coding key from the random numbers generated.

12. Method of verification, by the banking organization B, of the origin of the call sent by A using one of the devices (1) according to one of claims 7, 8, 10 and 11 , characterized in that: the device (1) transmits its own secret identification number and transmits to B an identification message coded according to the method of claim 5,

- central body B,

. decodes said identification message,

, deduces the call number of the device inside the telecommunications network,. cut the communication in progress.,. and recalls the device using its identification number inside the telecommunications network.

13, Method intended to allow each user A to provide irrefutable proof of the completion of a banking transaction which he has carried out using a device according to one of claims 7, 8, 10, 11 ,

said method being characterized in that, at the end of each bank transaction,

- the central body (B, 42)

, records (47) the characteristics of the transaction under a chronological number of acknowledgment of receipt (205),. and address to user A, via said device (1), a message (g _g ) comprising at least said chronological number of acknowledgment of receipt (205),

- Said device (1) prints and delivers to user A, using a tamper-proof printing device (100 ', 140), a non-modifiable "ticket (170) of proof of transaction" comprising;

. at least said acknowledgment number (205) issued by the central body (B, 42),

, and especially,

. the date,

, the time of trans a cti on (199),

- ^" . the called number (206) of B,. the calling number (204) of A.

14. Device (1) for consulting files and / or banking transactions according to one of claims 7, 8, 10 and 11, characterized in that it is also provided with a photosensitive electronic printing system ( 100 ') consisting of:

- a light-emitting assembly (such as a matrix 102 of light-emitting diodes 106) under the control of said sequence control microprocessor and making it possible to produce in dotted line a luminescent image of the characters to be printed,

- And an optical system for channeling and focusing a real image of the character to be printed, disposed between said electroluminescent assembly (106) and the active face of a photosensitive support (119) in movement (according to n) facing said electroluminescent assembly (102).

15. Device (1) according to claim 14 for consulting files and / or banking transactions intended to effect the editing of forged documents such as ^ proof tickets (170) ", said device being characterized in that its photosensitive printing system (100 ') is connected to said device sequence control microprocessor (1) by means of a hybrid tamper-proof circuit from the outside (180), in particular protected by a compact coating (175) resin,

- controlling the electroluminescent assembly (102),

- And comprising a multiplexer sub-assembly (130, 131) controlling the drivers for controlling the anodes of the constituents (106) of the electroluminescent assembly (202), in scrambled form indecipherable from the outside.

16, Device (1) for consulting files and / or bank transactions according to claim 15, characterized in that it includes, inside a tamper-proof hybrid circuit (76, 86):

- a device for detecting and counting telephone pulses,

- Connected, via said sequence control microprocessor, to said photosensitive electronic printing device (100 ') so as to join to the issuance of any "proof of transaction ticket" (170) l totalized state (202) of the telephone pulses.

17. Device according to one of claims 7, 8, 10, 11 and 14 to 16 intended to communicate in interactive mode with at least one centralized organization according to one of the methods of claims 1 to 4 and characterized in that further comprises a tamper-evident hybrid circuit (86), grouped with said coding system (76) of the device and performing, under the control of said control microprocessor, the systematic decoding of coded information using a random and transmitted key by B.

18. Device (1, 270) according to one of claims 7, 8, 10, 11 and 14 to 17 for consulting files and / or bank transactions, switchable into a real TELEX micro at home,

said device being characterized in that it further comprises

- an annex printer (65) of documents,

- and a data recording reader (275), in particular with a cassette,

These two sub-assemblies being connected to said microprocessor for controlling sequences and under its active control so as to allow a user A fT - compose a text on said alphanumeric keyboard (10),

- to check it on said video monitor (13),

- to transmit it, via the telecommunications network T, to an interlocutor B whose number has been signified by A by dialing on the alphanumeric keyboard (10),

- receive a text sent by a contact A 'and read it on the video monitor (13), - store in said recorder (66) any text sent to the receipt so. to use it later,

- And finally, to edit on said auxiliary printer (65) any document

. issued by A,

, received by A 'or by B and displayed on the video monitor

(13),

. or stored on the recorder.

19. Device (1, 270) according to claim 18, characterized in that it communicates in TELEX mode with any other device (1, 270) of the same type according to a language coded by random variable according to the method of claim 1 and according to a secret algorithm (ft) carried on a tamper-proof hybrid circuit (76),

20 Method of transmission of an invoice (230) by a creditor C and settlement of this invoice (230) by a debtor D user of a device (1) according to one of claims 7, 8, 10, 11 and 14 to 19,

said process being characterized in that:

- the creditor C addresses to A an invoice (230) comprising a module (81) on which are recorded,

, bank details,

, the amount of the invoice, "^ . as well as possibly the nature of the invoice and the date of issue,

- the debtor D detaches said magnetic module (81) from the invoice and introduces it into a reading subsystem (71, 79) of said device provided for this purpose,

- The device (71, 79) automatically performs the invoice settlement procedure by contacting a centralized bank transaction organization B.

21. Device (1) according to one of claims 7, 8, 10, 11 and 14 to 19, characterized in that it further comprises a reading system (71) of said magnetic modules connected to said sequence control microprocessor to read the accounting information carried on each module (81) of invoice (230) and operate with a central banking organization B automatic settlement according to the method of claim 2.

22. Method according to claim 20, for paying an invoice using a device according to claim 21 and one of claims 8 and 10, characterized in that:

- the creditor C addresses to the debtor D an invoice comprising a said magnetic module (81), in particular cardboard, with the conventional standard dimensions of payment badges (70),

- the debtor D makes the payment of his invoice by introducing the magnetic module (81) inside the slot (8) of the badge reader (71) of the device (1),

said device then carrying out, under the control of the command microprocessor and with an organization (42), the quest for payment of the invoice (230) according to the indications given on said module.

23. Magnetic invoice (230) intended to implement the method according to claim 20 and consisting of: - a standard invoice slip (232),

- to which is added a module (81) containing, in the form of certain magnetic descriptions, accounting data relating to said invoice and in particular:

. the bank details of the creditor (issuer of the invoice),

. the amount of the bill,

. and possibly the nature of the invoice and the date of issue.

24. Formula (243) of "magnetic invoice" (230) according to claim 23 consisting of a support, in particular in paper,

- a first part of which includes a blank area (232) intended for the conventional printing of the wording of the invoice,

- and a second part of which constitutes,

. a detachable module (81) from said first part, in particular by means of incisions,

. and intended to contain (234) in magnetic form accounting information relating to the invoice (230),

25, Billing device (240) intended for issuing, on a formula according to claim 24, a magnetic invoice (230) according to claim 23 and comprising:

- means of service on the device, by its user, of accounting data relating to the invoice, in particular a computer (241) or an alphanumeric keyboard,

- as well as an alphanumeric printer (245) and a magnetic recording head (256) performing on each said billing formula (243),

, one the edition of the classic invoice slip (232)

(230),

. and the other the registration of said detachable magnetic module (81) related to invoice 230.

26. Central body (42)

- consultation of data files,

- and / or bank transactions,

intended to cooperate under the control of a preprogrammed central sequence control system with at least one device (1) according to one of claims 7 and 8, characterized in that:

- it is connected to an automatic switch (43) for connection with different said devices according to one of claims 7 and 8,

- And it includes a device for decoding scrambled communications by random variables transmitted by the various said devices to said central body.

27. Central organization (42) according to claim 26, intended to cooperate with at least one device according to claim 8 for implementing the method according to claim 9, characterized in that it further comprises at least:

a subset generating a theoretical indicative associated with each identification message sent by a user A via said device,

- and a comparator performing the comparison between,

. said theoretical indicative.,

. and a code signified to said body by user A.

28, central body (42) according to one of claims 26 and 27, intended to implement the method according to claim 12 and characterized

- in that it further comprises a ^' central memory associating with each decoded identification message the identification number of the device corresponding to the interior of said telecommunications network,

- and in that said pre-programmed system,

. cut the current communication after each device call, taking into account the corresponding identification message and deduction of said corresponding identification number,

. and recalls the transmitting device using the deduced identification number.

29. Central organization (42) according to one of claims 26 to 28 for consulting data files intended to cooperate with at least one device according to claim 17 and characterized in that it further comprises a coding system (85 ) performing under the control of said pre-programmed system scrambling by random variables according to the method of one of claims 1 to 4, consultations transmitted to each said device (1),