ITRM20000374A1 - THE TRESIGMA TORO SYSTEM. - Google Patents

Description

TITLE

THE 3∑ TORO SYSTEM

FIELD OF APPLICATION

The 3∑ TORO system is an integrated system in the new bank / market organizational model; it appears to be very effective in protecting credit card and smart card holders from fraudulent acts by means of SMS (Short Message Services) signals. It uses as support support the already existing mobile telephone networks, the INTERNET network with developments also of the INTRANET type (proprietary networks that use the INTERNET), the GSM mobile telephones (TPM), and the GSM 3∑ TORO mobile keyboard to receive and transmit.

PROCESS (SO MODE!

The 3rd TORO is defined as a set of electronic devices and software applications developed to protect, via teleservice (SMS SS), from fraud deriving from the unauthorized use of bank cards (credit cards, smart cards, etc. ) or any other card that allows access to highly confidential services. The process considered below involves the use of services provided by a banking structure; however, consider that, by replacing the bank with any other type of service provider, the architecture does not undergo structural changes since the 3∑ TORO system remains the personal electronic key to authorize the use of cards connected to reserved services.

The card used through a POS or from a PC or from a telephone line or from a fixed electronic counter is recognized by the bank's server which verifies its presence in the file of cards issued by the bank itself. Once the processing for recognition has been completed, the order is sent to transmit the notice of use via the mobile telephone network on the GSM devices (the 3∑ TORO GSM mobile keyboard or the GSM mobile phone). The response from these devices will allow the operation to be concluded. Therefore, the attempt to use a lost or stolen card can always be intercepted by the cardholder.

TARGETS

From the statistics of the Italian Banking System in 1999 approximately 258 million transactions were carried out through the POS for a total of 36,800 billion lire and 21.8 million payments with credit cards for a total of 39,600 billion lire.

GRAPHIC DESCRIPTION OF THE PHASE

A considerable number of fraudulent operations counteracts this mass of operations carried out positively. The goal of the 3∑ TORO system is to counteract these frauds as much as possible and at the same time allow credit card holders to gain greater peace of mind in the use of cards for their electronic payments.

GENERAL ARCHITECTURE OF THE 3∑ TORO SYSTEM

Below is a step-by-step description of the sending of data, following a request for use of a credit card, and the relative response of the system (description of the graphic representation).

1A - Physical action to activate the use of the credit card

2A - Identification - Analysis - Processing - Data transfer

3A - Reception - Identification - Transfer of data

4A - Reception - Implementation of Services - Transfer of data

3B - Reception - Transmission

2B - Reception - Processing - Order of execution

1 B - Execution - Physical activation of the result

A = Send messages

B = Return of messages

PHASI LEATHER DESCRIPTION

Graphic description of the phases see page (2)

COMMENT OF THE PHASES FIRST PHASE

Introduce a credit card into a POS or transmit the identification data of a credit card via PC or telephone, or through the use of a fixed electronic counter or by means of a cash register or other ... The data is transmitted in real time at the bank.

SECOND PHASE

The bank recognizes the data, and activates its own identification procedures to check if the customer is a subscriber to the 3∑ TORO system.

THIRD PHASE

The private mobile line management network recognizes the data, activates its own transmission routines to send a message and remains in stand-by to await the response information to its transmission.

FOURTH PHASE

1) With how to use a Gsm 3∑ TORO console

When the information arrives, the device's microprocessor activates the SIM inserted in the console of the 3rd TORO; data processing follows, the emission of a sound message and the display of an SMS message (short message Services); the device is placed in stand-by to wait for the result sent to it, which the device will then send the final result to.

2) With how to use a GSM mobile phone

The GSM mobile phones mentioned are already existing devices that will have full compatibility with the 3∑ TORO system.

When the information arrives from the network, the microprocessor of the GSM mobile phone activates the SIM following the underlying control routine belonging to the 3∑ TORO system.

The credit card and / or smart card protection service option is indicated and then the routine chosen from the options provided by the 3∑ TORO is processed.

An audible message is emitted and an SMS is shown on the display at the same time. The mobile phone goes into stand-by to wait for the transmission results. Finally, the final results are posted online.

PROCEDURES FIRST PHASE: PHYSICAL ACTION AND FOLLOWING DEVELOPMENT

Activation by means of:

a PC

a POS

a telephone

a fixed electronic counter

Transmission of identification data and request for approval. Waiting for information to be returned

Application based on the answer

end

SECOND PHASE: IDENTIFICATION - ANALYSIS - PROCESSING - DATA TRANSFER

Collection of information.

Initial check routine by the bank to verify the identity of the customer and his adherence to the system.

Procedure to verify the approval of the data transmission (in relation to the type of card used, the place and time of issue and the amount requested).

Sending the message.

Sub-procedure of waiting for the response with evaluation of any non-response.

Receipt of the response, analysis of the same and transmission of the result to the sender.

end

THIRD PHASE: RECEIPT - IDENTIFICATION - DATA TRANSFER Connection to the private mobile telephone network

Connection management procedure

Procedure for transmitting information to the identified recipient, giving priority to the 3∑ TORO system and then to the GSM mobile phone.

Waiting for information to be returned and connection management procedure.

Transmission of information to the bank.

End.

FOURTH PHASE: RECEIPT - IMPLEMENTATION OF SERVICES - TRANSFER OF DATA

Connection to the GSM 3∑ TORO system.

Arrival of messages over the air.

Application of the control subsystem.

Systematic start-up of the procedure present in the SIM card of:

1) identification message

2) sound alert and SMS display procedure 3) choice of the OK or NO answer button

4) execution of the procedure described in the menu

5) procedure for transmitting data selected by button

6) transmission

7) Finish

Connection to the GSM mobile phone (with the device switched on).

Arrival of messages over the air.

Application of the control subsystem.

Systematic start-up of the procedure present in the SIM card of:

8) identification message

9) access to the "credit card protection service" option

10) sound alert procedure and SMS visualization on the display

11) choice of the OK or NO answer button

12) execution of the menu procedure relating to the TORO 13) procedure for transmitting the data selected by button

14) End

FUNCTIONAL CHARACTERISTICS

CONSOLE GSM 3∑ TORO

MEMORIES MAIN FUNCTIONS INITIAL SELF-DIAGNOSTICS NETWORK CONNECTION RADIO SIGNAL INDICATOR BATTERY CHARGE LEVEL INDICATOR NAME INDICATOR OF THE CONNECTED MOBILE MOBILE SYSTEM INDICATION OF THE "YES" AND "NO" BUTTONS IN CLEAR

ACTIVATION MESSAGE PROTECTION AGAINST MODIFICATION OF SM MEMORIES BACKLIGHTING OF THE KEYBOARD AND DISPLAY QUICK SWITCHING OF DATA FROM THE MEMORY CHOICE OF THE LANGUAGE USED IN THE SM SIGNALING DTMF (Dual Tone Multi Frequency)

DATA TRANSFER TO THE PHONE

SERVICES OFFERED MAIN MENU

1) REPERTORY (EVENT RECORDERS FOR 10 CARDS)

ADD DELETE MODIFY TRANSMIT

2) MESSAGES

MESSAGES RECEIVED (TEXT RECEIVED BY TELEPHONE) MESSAGES RELATED TO BANK CARDS (1/10) List of fraud attempts on 10 cards (max 10 events) Registrations

Transfers

Choice of mobile phone 1,2,3

Total reading Expenses made and recorded with 3∑ TORO Period

In the day

In the week

In the month

Period data transfer to the TPM SET OF MESSAGES

Locking

State

Cancel

Telephone number for transmission (1/3) Add

To delete

Change

To select

Transmit

3) CLOCK

WAKE UP

Activate set time (1/5) from TPM

Delete

One time at a time

All wake up times

Check the status

Activate variable alarm clock (optional)

Delete

Check the status

APPOINTMENTS

Activate (1/5) with indication of: mm, dd, hh, message

Delete

One appointment at a time

All appointments

Check the status

PARAMETERS

Display / Masking

Clock adjustment

Automatic (T ramite TPM)

4) SOUND TONES

SOUNDS FOR PHONE MESSAGES (1/3)

SOUNDS FOR FRAUD ATTEMPT (1/10)

RING LEVEL

5) DEVIATIONS

DEVIATION IF BUSY

Activate

Delete

Check the status

DEVIATION IN CASE OF NO ANSWER

Activate

Delete

Check the status

State of waiting with pre-established deferral of activity

5, .. 10, ..15, ..20,. 25, ..30 seconds DEVIATION FOR UNIT OFF OR OUT OF SERVICE Activate

Delete

Check the status

VOLUNTARY DEVIATION

Active unit with added expense amounts and automatic debit authorization

Active unit without adding expense amounts but with automatic debit authorization. Cancel

REFERENCE FOR TRANSACTION REFUSAL

Activate systematic card blocking Cancel

6) SETTINGS

CHOICE OF LANGUAGE

THE GSM fTPM PORTABLE PHONE)

Services and "3∑ TORO options" to be added on the SIM card (access to options and pin subcodes)

7) REPERTOIRE (1/10) FOR PERSONAL CARDS

ADD DELETE MODIFY TRANSMIT

8) MESSAGES

MESSAGE RECEIVED FROM TPM (1/3) MESSAGES RELATED TO BANK CARDS (1/10) List of fraud attempts on 10 cards (max 10 events) Registrations

Transfers

Choice of mobile phone (1/3)

Total reading Expenses made and recorded with 3∑ TORO Period

In the day

In the week

In the month

Period data transfer to the TPM SET OF MESSAGES

Telephone number for transmission (1/3) Add

To delete

Change

To select

Transmit

9) DEVIATIONS

DEVIATION IF BUSY

Activate

Delete

Check the status

DEVIATION IN CASE OF NO ANSWER

Activate

Delete

Check the status

State of waiting with pre-established deferral of activity

5, .. 10,. 15,. 20, ..25, ..30 seconds DEVIATION FOR UNIT OFF OR OUT OF SERVICE Activate

Delete

Check the status

VOLUNTARY DEVIATION

Active unit with addition of expense amounts and automatic debit authorization Active unit without addition of expense amounts but with automatic debit authorization Cancel

REFERENCE FOR TRANSACTION REFUSAL

Activate systematic card blocking Cancel

10) TRANSFER OF CODE ON 3∑ TORO DEVIATIONS ACTIVATE THE BUTTON LOCK ON 3∑ TORO Enter code or password

DISABLING THE BUTTONS UNLOCKING ON 3∑ TORO Intrare code or password

BLOCK ACCESS TO THE 3∑ TORO MESSAGES Enter code or password

DEACTIVATE ACCESS LOCK TO MES.GI DEL 3∑ TORO Enter code or password

BLOCK ACCESS TO THE 3∑ TORO REPERTOIRE Enter code or password

UNLOCK ACCESS TO THE 3∑ TORO REPERTOIRE Enter code or password

11) PROGRAMMING THE CLOCK ON 3∑ TAURUS

PREFIXED ALARM

Enter hours and minutes

Transmit

Delete

Activate variable alarm clock (optional)

Hourly

Type now

Broadcast now

Delete

Each fixed number of minutes

Type minutes

Broadcast minutes

Delete

Delete

APPOINTMENTS

Activate (1/5) with indication of: mm, dd, hh, Cancel message

One appointment at a time

All appointments

Check the status

DESCRIPTION OF THE COMPONENTS OF THE 3 AS INDICATED IN THE PRESENTATION OF THE ELEMENTS

1) Oval shape outer container of 7 * 5 * 2.5cm in size. Variable in color, it will be made with the same material as the external container n ° 13.

2) Antenna, which can be fixed, helical or extendable.

3) On / off button (ON / OFF).

4) Scroll button.

5) Liquid crystal display (LCD) with from one to three lines and with 6/10 characters per line in addition to the space reserved for symbols and graphic icons for the intensity of the radio signal, the indication of the battery charge and the variety of functions active logics.

6 - 7) Headset: small speaker that returns the signal received from the antenna after processing and amplification.

1) SIM card reader. It is the reading circuit which is linked to the platform 1 where the control subsystem resides. The circuit reads and changes the information contained in the SIM microprocessor card.

2) Platform 1: a base on which loudspeakers are mounted, the distribution of any power service sockets, the input circuits of the accept or reject buttons, the control circuits on the display and the wiring circuitry of the various parts.

3) Aluminum radio wave platform for a protection service of both the interference of the waves coming from the systems and the internal protection of electronic circuits, etc.

4) Platform 2: board that contains all the electronic circuits necessary for the sophisticated management of the radio frequency of the GSM terminal (TPM).

5) SIM card slot (plug-in).

6) External container made of waterproof material, resistant to shocks, temperature, solar radiation and the presence of the most varied chemical components.

7) Socket for battery charger.

8) Validation button, message reading confirmation, confirmation of choice of the proposed option, confirmation of menu opening choice, stopping of the warning ring in progress,

9) Button for passing to the previous submenu level. Definitive exit from the menu.

10) Aluminum radio wave platform for a protection service of both interference coming from the systems and the internal protection of electronic circuits, etc.

11) Platform 2: board that contains all the electronic circuits necessary for the sophisticated management of the radio frequency of the GSM terminal (TPM).

12) SIM card slot (plug-in).

13) External container made of waterproof material, resistant to shocks, temperature, solar radiation and the presence of the most varied chemical components.

14) Socket for battery charge.

15) Button validity *, confirmation of menu opening choice, stop of the warning ring in progress.

16) Button for passing to the previous submenu level. Definitive exit from the menu.

* To validate push - 2 times in a row with a maximum interval

3 seconds to answer yes.

- 1 time to give an answer no.

ARCHITECTURE FOR A TRANSMISSION OF THE SMS (164 CHARACTERS) IN THE 3∑ TORO SYSTEM

RECEIVING A MESSAGE

• The message source (SMC) sends a message to the message server (SMGC), which records it with its characteristics (eminent, recipient, priority, date and time limit of validity).

• The message server (SMGC) queries the HLR of the mobile user to locate it and the HLR provides the references of the switch (MSC) that is in charge of the mobile user.

• The message server transmits the message and the user's references to the switch (MSC) that manages the domain within which the mobile user is located.

• The switch queries its visitor database (VLR) to obtain the most recent user coordinates, accompanying the application with a procedure for presenting the message, verifying the status of the terminal.

• The switch provides the server with a detailed report of the messages.

• The message server gives, in turn, a report to the sender.

ISSUE: 1) 1 SMS MASSAGE (164 CHARACTERS)

• The mobile terminal is the source of the message (MS) and asks for authorization to transmit to the VLR, which knows the subscription options and gives its authorization.

• The terminal transmits the message to the switch (MSC).

• The switch updates the user registration within the VLR; takes references. The switch can, with this information, issue a report to the user.

• The switcher initiates the message to the server center, which stores it and records its characteristics.

• The server retransmits the message to the recipient.

• The server provides a detailed report to the switch.

• The switch informs the user that it has forwarded the message to the recipient.

SYSTEM POTENTIAL

RESPECT TO THE USER

Possibility

• Wide territorial coverage;

• Possibility of managing the mechanics:

• Data transmission

• Ergonomic, lightweight and compact terminal;

• Reasonable access cost;

• Great service availability;

• International mobility, or the possibility of benefiting from the service by accessing a system other than the one to which you have subscribed, using your own user unit for this

RESPECT TO THE SERVICE MANAGER

Possibility of the system

• Optimal use of resources (radio frequencies, transmission capacity);

• Great availability;

• Simple and effective management;

• Simple, effective and reliable identification of users and terminals;

• Large number of users;

• Standardized equipment;

• Flexible normalization;

• Large number of equipment suppliers;

• Reasonable infrastructure cost;

RESPECT TO THE MANUFACTURERS

Possibilities and treatments

• Stable definition of functions;

• Clear definition of limitations;

• Larger market;

RESPECT TO THE REGULATORY INSTANCES

Possibility

• Ability to offer the entire population access to the service;

• Offer in free competition to several operators;

• User unit normalization;

• Maximum use of the radio frequencies assigned to GSM;

• Develop the use of the radiotelephone throughout the territory;

PROVISION OF SYSTEM SERVICES TO USERS

• Sale of the 3∑ TORO and TPM * terminals;

• Sale of GSM network subscriptions;

■ Offer of services with credit cards and smart cards;

• Management of the commercial network on the internet;

• Invoicing of services rendered.

APPLICATION OF THE 3∑ TORO SYSTEM TO THE INTERNET NETWORK

Structure of the global market with segmentations and paths of use:

1) By type of product

2) By single supplier

With respect to navigation, within the site, it will be possible to proceed according to a relational approach (to view what is proposed, passing from one product to another regardless of the supplier) or hierarchical (to visit the products offered by the single supplier) to depending on the interest of the end user.

With respect to security, the site characterized by the 3∑ TORO system will allow a level of security which, in addition to or in place of the cryptographic systems, provide for the use of the 3∑ TORO GSM mobile keyboard and GSM mobile telephones (TPM), to benefit from the levels of fraud protection that the process and architecture allow.

GRAPHICAL DESCRIPTION OF THE APPLICATION OF THE SYSTEM TO THE INTERNET NETWORK

1 Implementation of a database to propose a secure electronic supermarket, where the WEB allows a customer to make purchases of a wide range of products related to different suppliers. 11 everything is offered with maximum security against fraud attempts, both for the buyer and for the supplier of products.

2 When purchasing a product online, let's see what happens when paying with a credit card. Credit card data must be entered into the system, possibly in a protected form. Therefore, at the user's request to make the purchase, the data will be encrypted and sent to the server which will carry out the necessary processing.

3 The server receives the encrypted information and decodes it. Then, check the validity of this information with the institution of inheritance that issued the credit card.

4 The new protection service kicks in. The bank elaborates its control routines and requests confirmation of the operation from the cardholder through the 3∑ TORO or a TPM.

5 The bank obtains confirmation from the user to proceed (if so). After completing its processing, the bank transmits the acceptance to the server for the requested transaction.

6 - 7 At the same time, the server sends the order confirmation to the product supplier who follows up on the customer's request and also sends a confirmation to the customer for the operation carried out (with an appropriate thank you message).

8 The purchased product will be sent to the customer by post or courier.

GLOSSARY

G.S.M Global System for Mobile Communications.

H.L.R Home location register.

L C D Liquid Crystal Display.

M.S.C. GSM system switch (Mobile Switching Center).

P C. Personal Computer.

PLUG-IN Miniature SIM card.

P.O.S Point of Sale.

S.I.M Subscriber Identity Module.

S.M. Mobile Station (subscriber terminal).

S.M.C. Short Message Center.

S.M.G.C Gateway between data and the Mobile Network-S.M.S Short Message Service.

S.S. Additional Services.

T.P.M. Portable mobile phones

V.L.R. visitor localization log

Claims (1)

CLAIMS The use of the GSM Mobile keypad | 3∑ TOROj and the oppositely implemented mobile phones are reserved. Furthermore, the use of the protection system is reserved which, using a GSM Mobile keyboard | 3∑ TORO | I provide a TPM with the appropriate implementations or a powerful protection against the fraudulent use of bank cards, smart cards or any other recognized credit card.