JP3847453B2 - Passbook with non-contact IC - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a bankbook or the like, and in particular, an IC circuit having an antenna unit that transmits and receives data in a non-contact manner and an information storage unit that stores electronic data is included in the sheet, and the sheet with the IC circuit is a bankbook. It is related with the bankbook with a non-contact-type IC attached integrally.
[0002]
[Prior art]
Conventionally, when a bankbook or other financial institution is used to request withdrawal of a bank account or cancel an account from an account corresponding to the bankbook, is it necessary to directly pass the seal of the registered seal corresponding to the account to a specified location on the book? , The stamped paper was pasted to the passbook and the report imprint was displayed.
[0003]
However, if the account holder loses the bankbook or is stolen by a malicious third party, he or she creates a seal that closely resembles the seal imprint displayed on the bankbook or uses a seal that is extremely difficult to distinguish. However, there have been incidents in which an account corresponding to a bankbook is withdrawn from a bank account or a request to cancel an account, and the amount of damage has increased and has become a social problem.
[0004]
Therefore, it was desirable that the imprint of the notification in the bankbook should be kept only by the financial institution and not displayed on the bankbook. When a regular account holder brings his / her passbook and notification stamp, and requests for withdrawal or cancellation of deposits, a notification corresponding to the account stored by the financial institution at the head office or branch office where the account is opened Each time, an attempt was made to check the seals submitted by regular account holders and the seals stored by financial institutions.
[0005]
[Problems to be solved by the invention]
However, for this imprint verification, each time a claim such as a deposit withdrawal request or an account cancellation request is made from the account corresponding to the passbook, it is substantially complicated procedure to take out the notification stamp corresponding to the account from the storage location. In addition, if the window for the procedure is other than the head office or branch where the account was opened, the head office or branch where the account was opened is inquired of the head office or branch where the account was opened, and the corresponding imprint is printed with a high-precision FAX Transfer or transfer the corresponding imprint data from the file stored in the database to the database by transferring the imprint of the account holder to the database, and reproduce it into a visible imprint based on this imprint data. It must be confirmed, it must be an extremely complicated procedure, and a large-scale system must be constructed. It had become a thing that can not be earlier improvement. The present invention improves these disadvantages, and the imprint of the notification in the passbook is a method of attaching the imprint information to the passbook in a way that cannot be visually confirmed as it is. The purpose is to provide a passbook that allows quick and easy withdrawal and withdrawal requests from any head office or branch office by bringing the passbook and notification stamp.
[0006]
[Means for Solving the Problems]
The bankbook with non-contact type IC of the present invention is a bankbook with an IC circuit in which an IC circuit having an antenna unit and an information storage unit for transmitting and receiving data in a non-contact manner is included in the sheet in order to achieve the above object. A non-contact IC passbook that is integrally attached to the information storage unit, in which the imprint data of a notification seal corresponding to the passbook is stored, and the IC circuit sheet includes an antenna unit, By adopting a structure in which high-quality paper is laminated on the front and back of the base sheet containing the IC circuit and bound together with the inner paper of the passbook, the imprint of the notification in the passbook can not be confirmed visually. A regular account holder can bring in the passbook and notification stamp, so that it is possible to easily and quickly make a withdrawal request or cancellation request from any head office or branch office. In addition, the label with the IC circuit is not peeled off and the security can be further improved as compared with the configuration in which the label having the adhesive portion formed on the back surface of the sheet with the IC circuit is attached to a part of the passbook. .
[0007]
In addition, the sheet with an IC circuit is configured in a label shape having an adhesive portion formed on the back surface, and adopts a configuration in which the sheet is attached to a part of the passbook, so that the present passbook is used according to the present invention. The system can be adopted and it is industrially useful.
[0009]
Further, the IC circuit stores the account number information corresponding to the passbook together with the imprint data of the notification seal corresponding to the passbook, so that the corresponding account data and the imprint data are surely collated when reading the imprint data. And higher security can be sought.
[0010]
BEST MODE FOR CARRYING OUT THE INVENTION
Next, the present invention will be described in detail based on the embodiment shown in FIGS. FIG. 1 is an explanatory diagram of a planar state of a bankbook with a non-contact type IC according to the present invention, FIG. 2 is a cross-sectional explanatory diagram of the bankbook with a non-contact type IC of FIG. 1, and FIG. FIG. 4 is an explanatory diagram of a planar state of a bankbook with a non-contact IC showing another embodiment, FIG. 4 is a cross-sectional diagram of the bankbook with a non-contact IC in FIG. 3, and FIG. 5 is a non-contact IC. FIG. 6 is an explanatory diagram of a display screen for performing imprint collation in the usage state of a passbook, FIG. 6 is a system explanatory diagram for performing imprint collation in the usage state of the passbook with non-contact IC shown in FIG. 5, and FIG. It is a passbook printing flow explanatory view showing the state when printing a record.
[0011]
First, as shown in FIG. 1, the bankbook 1 with a contactless IC according to the present invention has an account display 3 showing the type of bankbook when the bankbook is opened, an account number display 4, and an issuing organization of a financial institution that has issued the bankbook. An IC circuit 17 having a display 5 and further having an antenna unit 16 for transmitting and receiving data in a non-contact manner and an information storage unit is attached to the passbook as an integrated circuit sheet 2 with an IC circuit. In the information storage unit, the seal stamp data of the notification seal corresponding to the passbook and the account number data of the passbook are stored. In addition, the information storage unit stores a pre-registered personal identification number storage area and a processing program for checking access between the registered personal identification number and the personal identification number input from the outside and permitting access to the IC circuit. In addition, the IC circuit 17 has a CPU that performs arithmetic control based on the processing program.
[0012]
Specifically, as shown in FIG. 2, the IC circuit sheet 2 includes an antenna circuit 16 and an IC circuit 17 having an information storage section included in a base sheet 12, and further, high-quality papers 11 and 12 on both sides. (Or it may be a polyethylene terephthalate (commonly known as PET material) or a resin sheet made of polypropylene), and is formed in a label shape in which an adhesive portion 14 is formed on the back surface, and is adhered to a part of the passbook 1 It is. Further, the sheet with IC circuit 2 configured in this label shape may be attached at least at the time of issuing the passbook, and until that time, the adhesive paper 14 is covered with release paper (not shown). Thereby, the system by this invention is employable using the passbook of the conventional system until now.
[0013]
In addition, the IC circuit 17 and 27 store the seal number data 4 (36k) corresponding to the passbook 1 together with the seal stamp data 36 (see FIG. 5) of the notification seal corresponding to the passbook 1, so When the data 36 is read, the corresponding account data 36k and the imprint data 36 are verified, and higher security can be obtained.
[0014]
6 will be described. The collation apparatus 40 includes a display screen 31 that displays a collation state of an imprint, an input device 32 that is operated by a bank clerk, a storage device that stores a program that drives the collation apparatus 40, and the like. 33 are connected to each other via the control unit 30. Further, the control unit 30 stores the printing on the passbook 1 and the imprint data 36 stored in the IC circuit, and the reader / writer printer 35 stored in the IC circuit in the reader / writer printer 35. An image of a password input device 34 for inputting a password (code number) for reading the seal stamp data 36 and an image of optically reading seal stamp information stamped on the deposit withdrawal bill 28 and the like as digital data The input device 29 is connected so that it can be controlled.
[0015]
FIG. 5 shows an enlarged explanatory view of the display screen 31. Next, based on FIG. 6 and FIG. 5, the use state of the bankbook 1 with the non-contact type IC will be described. When making a request, the imprint of the notification in the passbook 1 corresponds to the deposit withdrawal invoice 28 because a third party cannot confirm it visually but knows the notification seal if it is a legitimate account holder. Seal it with a notification stamp and submit it to the bank counter together with the bankbook 1 with non-contact IC. When reading the imprint data 36 and the account number registered in the passbook with the reader / writer printer 35, the bank side allows the deposit requester to input the password from the password input unit 34 when the bank reads the passbook 1 with a contactless IC. Then, the non-contact type IC circuit is accessed, and permission for access to the non-contact type IC circuit is received, and the imprint data 36 and the account number data 36k in the IC circuit are read and displayed on the display screen 31.
[0016]
On the other hand, the withdrawal request 28 submitted by the withdrawal requester is made up of the withdrawal request seal data 38 stamped by the image reader 29, the account number data 38k inputted by the bank clerk from the input device 32, the imprint data 36, and the account number data 36k. Is displayed on the display screen 31, and the display screen 31 further includes a verification window 39 for verifying the refund request seal data 38 and the imprint data 36 in the IC circuit in an overlapped state. 39k and the collation rate 37 of the collation window 39 are displayed in parallel so that the registered seal can be easily collated.
[0017]
In addition, since the bankbook 1 with non-contact type IC of the present invention is configured as described above, an example in which the bankbook transaction record line becomes full and a new bankbook 1 with non-contact type IC is issued is shown in FIG. This will be explained based on. First, when the bank book is inserted into the device (the IC reader / writer-equipped printer 35 in the case of the verification device) using a verification device 40 or a cash dispenser (not shown) at the bank counter (step 51), the printer prints the passbook. If the position is confirmed (step 52) and the passbook print line is not full (step 53), one line of transaction information necessary for the passbook is written (step 54). Next, if printing is completed in step 55, the bankbook is discharged (step 56), but if printing information remains, the process returns to step 52 to check the bankbook printing position. If the passbook print line is full in step 53, the user of the passbook 1 with non-contact IC is prompted to enter the password, and if the entered password is the same (password) Are transferred in the IC circuit of the passbook 1), and the imprint data, the account number data, the password number, etc. are transferred from the old non-contact IC passbook 1 to the new non-contact IC passbook (step 58). Returning to step 54, one line of transaction information necessary for the passbook is written. Thereafter, the same processing is repeated.
[0018]
If the collation of the passwords cannot be matched in step 57, the password is prompted again. Also, in the case of withdrawal processing with a cash dispenser, the passbook is usually used in combination with a cash card, and the PIN is entered first, and the PIN is collated at that point, so the passbook is printed. Step 57 of FIG. 7 showing the flow diagram may be omitted.
[0019]
As described above, the non-contact type IC passbook 1 of the present invention is configured and used, but as another embodiment, for example, as shown in FIGS. 22 may be configured to include an IC circuit, and the high-quality papers 23 and 24 are laminated on the front and back of the base sheet 15 including the antenna 26 and the IC circuit 27, and are bound together with the inner paper of the passbook. A bankbook 21 with a contact IC is created. By doing in this way, there is no need to stick the IC circuit sheet 2 to the passbook like the non-contact IC passbook 1 shown in FIGS. 1 and 2, and the IC circuit sheet 2 may be peeled off. In addition, the security can be improved and it can be handled in the same way as a conventional passbook.
[0020]
In the above embodiment, the non-contact type IC circuit has an example with a CPU. However, it is not always necessary to add a CPU, and at least the seal data of the registered seal or only the seal stamp data and the account number data is stored. The memory configuration may be simply used. Even in this memory configuration, the security number can be selected at a desired level by using known file encryption and restoration techniques for the personal identification number and seal data. In any case, it is sufficient that the imprint data is stored in the IC circuit and the imprint display is not visually displayed.
[0021]
Further, when the CPU is not added to the IC circuit, or when the collation for permitting access to the IC circuit is not performed based on the personal identification number, the personal identification input unit 34 of the collation device 40 in FIG. 6 or the passbook printing flowchart shown in FIG. Thus, when transferring the seal data and the account number data together with the seal data from the old passbook to the new passbook, it is needless to say that the password input at step 57 is not required.
[0022]
【The invention's effect】
The bankbook 1 with a non-contact IC according to the present invention has the above-described configuration, and it is not possible to visually confirm the imprint of the report on the bankbook, and the legitimate account holder brings the bankbook and the report stamp. , You can easily request quick withdrawals and cancellations from any head office or branch office, and the stamps are forged or imitated based on the imprints displayed on the passbook by malicious third parties. It can be used to prevent the case of deposit withdrawal requests and account cancellation requests from the passbook. In addition, even when the transaction record line of the passbook is full and a new passbook is issued, the seal data is not required to be replaced without the need to replace the seal stamp or bring a seal each time to display the seal. It can be easily transferred to a new passbook and provides an extremely useful industrial passbook.
[Brief description of the drawings]
FIG. 1 is an explanatory diagram of a planar state of a bankbook with a non-contact IC according to the present invention.
FIG. 2 is a cross-sectional explanatory view taken along the line XX of the bankbook with a non-contact IC in FIG.
FIG. 3 is an explanatory view of a planar state of a passbook with a non-contact IC showing another embodiment of the present invention.
4 is a cross-sectional explanatory view taken along the line YY of the bankbook with a non-contact IC in FIG. 3;
FIG. 5 is an explanatory diagram of a display screen for performing imprint collation in a use state of a passbook with a non-contact IC.
FIG. 6 is an explanatory diagram of a system for performing imprint collation in a use state of a passbook with a non-contact IC.
FIG. 7 is an explanatory diagram of a passbook printing flow showing a state when a transaction record is printed on the passbook.
[Explanation of symbols]
1, 21 Passbook with non-contact IC 2, 22 IC circuit sheet 16, 26 Antenna unit 17, 27 IC circuit 31 Display screen 35 IC reader / writer printer 36 Imprint data 36k Account number data

Claims (2)

  A passbook with a non-contact type IC in which an IC circuit having an antenna unit and an information storage unit for transmitting and receiving data in a non-contact manner is integrally attached to a passbook with an IC circuit included in the sheet, The information storage unit stores imprint data of a notification seal corresponding to a passbook, and the sheet with an IC circuit is configured by stacking high-quality paper on the front and back of a base sheet containing an antenna unit and an IC circuit. A passbook with a non-contact IC, which is bound together with the paper in the passbook. Wherein the information storage unit of the IC circuit, the non-contact type IC equipped passbook claim 1 Symbol placement account number information corresponding to the passbook together with seal image data of the corresponding registered seal to the passbook is characterized by comprising stored.

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