Communication method between external terminal of a bank account user and internal terminal of a banking system by making use of telephone network and apparatus for making the same

摘要

The invention relates to a method of communication between an external terminal of a bank account user and an internal terminal of a banking system by means of a telephone network comprising the entering into communication, message ciphering, and message sending. The two terminals, after having come into communication, agree upon a specific not repeatable communication whose result is the immediate carrying out of the real banking operation chosen by the user and its completion prior to the communication stop.