A method and device for securing of the remote service powers of the financial institutions

摘要

The invention concerns a method and a system enabling the customers (11) of a bank or an insurance company (12), remotely located, to accede safely and rapidly, by means of a microphone (17) connected to a communication network (15), to the services offered by this bank or insurance company (12). The method consists in the following steps: The bank or insurance company (12) provides each of its customers (11) with a personalised card (10) formatted like a credit card; the said card emits (13) brief identifying sound signals (20), of the DTMF type, at least partly encrypted, varying with each operation, when it is actuated by the customer (11); said sound signals are received by the microphone (17) and transmitted by the communication network (15) to the computer service (18) of the bank or insurance company; the transmitted signals and identification data of the customer and the card in the possession (23) of the computer service (18), are electronically processed (24) and compared (25) by the computer service (18) of the bank or insurance company; such that in the event of coincidence, the customer (11) can immediately be put through to the services (30) which the bank or insurance company (12) offers to its customers.