JPH06231159A - Certificate issuance / verification system - Google Patents

Abstract

(57) [Summary] [Purpose] Regarding issuing and collating devices for certificates such as deposit certificates,
The purpose is to prevent forgery and unauthorized use of certificates. [Structure] A data management system (1) for centrally managing transaction data with a customer, an issuing machine (2) for issuing a certificate (10) at the time of a transaction with a customer, and a collating machine for confirming a transaction with a customer ( 3), the certificate (10) to be used has a magnetic recording section (4), and the issuing machine (2) has a magnetic recording means (5).
The collation machine (3) has a magnetic data reading means (7) for reading transaction data magnetically recorded on the certificate (10), and the transaction data read and the customer in the data management system. It has a display section (8) for comparing and collating with the transaction data of, and at the time of cancellation, the certificate is set in the issuing machine (2) and the cancellation is recorded in the magnetic recording section of the certificate. At the same time, the fact that the contract has been canceled is printed.

Description

Detailed Description of the Invention

[0001]

The present invention relates to the issue of a certificate issued by a financial institution, etc., as a cash equivalent when dealing with a customer.
Regarding the matching system.

A certificate issued by a financial institution is required to take preventive measures against illegal use in the same manner as cash due to its nature, and must be systematically provided. The certificate here is
It refers to a "deposit certificate" or "stock certificate deposit certificate", etc., and requires another procedure to be converted into cash.

[0003]

2. Description of the Related Art Conventionally, in financial institutions, issuance and management of a customer's certificate is generally performed by a format-printed certificate.
For example, the amount column is surrounded by a line, and information such as yen mark (¥), Enya, certificate issuing financial institution name is printed in advance, and transaction data, that is, the deposit at that time, is made available by the computer online system. The collateral amount within the amount was printed and a seal was issued.

The issued certificate is submitted as collateral to another financial institution (for example, non-bank). The customer can obtain a loan corresponding to this certificate of deposit. In this case, the transaction data is managed when the certificate is issued, that is, the amount of money within the range of the deposit is printed on the certificate.

However, the other financial institutions do not collate the transaction data described in the certificate with the true transaction data of the customer at that time (transaction data centrally managed by the computer online system). . Therefore, it is possible to cancel the transaction such as "withdrawal of deposit" while leaving the issuance certificate (after issuing the deposit certificate), regardless of whether there is actually no deposit or whether the deposit is insufficient. Instead, the customer will be secured by the certificate of deposit.

Furthermore, it is possible to issue a certificate by handwriting. A conventional example will be described below with reference to FIGS. 7 and 8. FIG. 7 is a block diagram of a conventional deposit certificate issuing system, and FIG. 8 is a conventional deposit certificate.

The data management system 11 shown in FIG. 7 has a database 11a (magnetic disk), a CPU 11b, a memory 11c, and a line 11d. Issuing machine 12
It has a CPU 12b, a memory 12c, a line 12d, and a printing mechanism unit 16.

Customer transaction data is recorded and stored in the customer database 11a (magnetic disk). A database management program for centrally managing the OS and the database 11a exists on the memory 11c, and the data management program sends the data requested by the issuing machine 12 via the line 12d.

The CPU 11b executes the OS and database management program existing on the memory 11c. Further, the OS and the deposit certificate issuing program exist on the memory 12c of the issuing machine 12, and the deposit certificate issuing program receives the deposit certificate issuing data sent from the data management system 11 via the line 12d. After processing the data, the printing mechanism unit 16 prints necessary data on the deposit certificate.

FIG. 8 shows a conventional deposit certificate in which the deposit amount, the name of the depositor, the date of issue of the deposit certificate, the name of the financial institution issuing the deposit certificate, etc. are described and stamped. Also,
Although not shown in the figure, the share certificate deposit certificate includes the name of the share certificate holder, the name of the company that issued the share certificate, the number of shares of the share certificate, the name of the financial institution of the share certificate depositor (custodian), and the issue date of the certificate. The date, etc. is written and stamped.

In the customer database 11a, the latest issued deposit certificate serial number, the amount stated in the certificate for each serial number of each certificate up to that point, the name or name of the secured customer, the date of issue of the deposit certificate, The name of the branch issuing the deposit certificate, the amount of deposit or withdrawal or withdrawal by the customer or a third party for each customer, and the total deposit amount after that, date and time,
The name or name of the customer or third party is recorded. For interest-bearing deposits, the interest of the deposit is added and recorded periodically.

At the time of issuing the deposit certificate, the deposit certificate 20 in which the deposit amount and the like are not yet described is set on the issuing machine 12,
Input the following data from a keyboard (not shown).

.. Customer PIN. ． The amount to be stated on the certificate of deposit (ie, the collateral amount). The input data items 1 to 3 are sent to the data management system 11 of the computer center through the line.

The database management program of the data management system 11 performs the following confirmation. A. Confirm that the deposit amount at that time is larger than the collateral amount.

The above A. If the condition of is satisfied, the database management program enables the issuance of a deposit certificate,
The serial number of the deposit certificate of the customer's database 11a is updated, and the issuer 12 is notified via the line that the deposit certificate can be issued and the updated serial number of the deposit certificate.

Then, the issuing machine 12 causes the printing mechanism section 16 to print the following data on the deposit certificate 20.・ Collateral amount ・ Serial number of deposit certificate ・ Date of issue ・ Name of depositor ・ Name of issuing branch Other financial institutions receiving the certificate created in this way will lend the customer the amount corresponding to the amount of collateral. To do.

[0017]

Therefore, when the deposit certificate is issued, the transaction data described in the certificate and the true transaction data match, but another financial institution uses the deposit certificate as collateral. At the time of receipt, there was no means to easily collate them, so the data were not collated. (Trusted the person and the issuing financial institution.) Therefore, there was a problem that the certificate of deposit could be used illegally, or the certificate could be lost or stolen.

[0018] Generally, the amount of money written on a deposit certificate is large, so in the event of illegal use, the issuer of the deposit certificate or another financial institution that received the loan and provided a loan. Damage can be significant.

In view of the above points, the present invention aims to provide means for preventing forgery and / or unauthorized use of a certificate.

[0020]

[Means for Solving the Problems] The above problems can be solved by a certificate issuing / verifying system having the following configuration.

[0021]. Data management system 1 and issuing machine 2
And a collation device 3, the data management system 1 centrally manages and issues transaction data with a customer for issuing and collating a certificate 10 certifying the content of a transaction with a customer. The machine 2 has a recording means 5 and a printing means 6, and the collating machine 3 has a reading means 7, a comparison collating section and a display section 8.

.. A certificate issuance / collation system having an issuing machine 2, the issuing machine 2 having a recording means 5 and a printing means 6, and the certificate 1 set in the issuing machine 2 at the time of issuance.
0, as collateral information, at least the collateral amount, the certificate serial number, or the customer's personal identification number is recorded by the recording means 5, and at least the collateral amount, the certificate serial number, the issuing financial institution name, or the issue date. Is printed by the printing means 6, the issuing machine 2 sends the collateral information to the data management system 1, and the data management system 1 is configured to manage customer data.

.. A certificate issuing / collating system having an issuing machine 2, wherein the issuing machine 2 has a recording means 5 and a printing means 6, and sets a certificate 10 on the issuing machine 2 at the time of cancellation, and a recording section 4 of the certificate 10. In addition to recording the cancellation, the cancellation is printed on the certificate, the issuing machine 2 sends the cancellation information to the data management system 1, and the data management system 1 is configured to manage the customer data. .

[0024]. A certificate issuance / collation system having a collation unit 3, the collation unit 3 having a reading unit 7, a comparison collation unit, and a display unit 8, the reading unit 7 being a security of a customer recorded by the issuing unit 2. The information is read, the comparison and collation unit compares and collates the read collateral information with the transaction data of the customer managed by the data management system 1, and the display unit 8 displays the comparison result. Constitute.

[0025]

That is, the certificate issuing / verifying system according to the present invention records the transaction data managed by the computer system in the magnetic recording section of the certificate, and the other financial institution that has deposited the certificate as collateral, records the certificate. By comparing and collating the transaction data recorded in the magnetic recording unit with the transaction data managed by the computer system, forgery and / or unauthorized use of the certificate can be prevented.

The functions of such a certificate issuing / verifying system are classified as follows. ． It is possible to prevent forgery and / or unauthorized use of the certificate by integrating the data management system 1, the issuing device 2 and the collating device 3 into a trinity.

.. The issuing machine 2 and the data management system 1 can prevent forgery of a certificate. ． The issuing machine 2 and the data management system 1 can prevent the illegal use of the certificate.

.. The collation device 3 and the data management system 1 can prevent the illegal use of the certificate.

[0029]

FIG. 1 is a block diagram of an embodiment of the present invention.
Is a sample deposit certificate 10.

The data management system 1 of FIG. 1 includes a database 1a (magnetic disk), a CPU 1b, a memory 1c,
It has a line 1d. The issuing machine 2 has a CPU 2b, a memory 2c, a line 2d, a magnetic data writing section 5, and a printing mechanism section 6.

The collator 3 has a CPU 3b, a memory 3c, a line 3d, a magnetic data reading section 7 and a display section 8. Customer transaction data is recorded and stored in the customer database 1a (magnetic disk).

A database management program for centrally managing the OS and the database 1a exists on the memory 1c, and the data management program sends the data requested by the issuing machine 2 via the line 2d.

The CPU 1b is an O existing in the memory 1c.
Execute S and the database management program. Also,
An OS and a deposit certificate issuing program exist on the memory 2c of the issuing machine 2, and the deposit certificate issuing program receives the deposit certificate issuing data sent from the data management system 1 via the line 2d and receives the data. After processing, the printing mechanism unit 6 prints necessary data on the deposit certificate, and the magnetic data writing unit 5 records the necessary data on the magnetic recording unit 4 of the deposit certificate 10.

An OS and a deposit certificate collating program exist on the memory 2c of the collating machine 3, and the customer data recorded in the magnetic recording unit 4 of the deposit certificate 10 issued by the issuing machine 2 is stored in the magnetic data. Read by the reading unit 7,
It is sent to the data management system 1 via the line 3d.
The data management system 1 compares and collates the sent data with the data of the customer in the database 1a, and sends the comparison and collation result to the collator 3. The deposit certificate collation program of the collator 3 displays the comparison and collation result on the display unit 8.

FIG. 3 is a flow chart (1) for issuing a deposit certificate, FIG. 4 is a flow chart (2) for issuing a deposit certificate, FIG. 5 is a flow chart (1) for collating a deposit certificate, and FIG. It is a flowchart (2) of deposit certificate verification.

The embodiment will be described more specifically with reference to FIGS. The data management system 1 uses a customer database 1a to centrally manage customer transaction data.
It has a (magnetic disk) management function and a line section that connects each issuing machine 2 and each collating machine 3.

Customer database 1a (magnetic disk)
Is roughly divided into a transaction data section for each customer and a certificate issuance data section. The transaction data section of each customer is composed of the following data.

The amount of deposit or payment and the month and day of the deposit,
And its name or name-If withdrawn, its amount and its date, and its name or name-If a deposit certificate is issued, its collateral amount and the serial number of the certificate. It is composed of historical data such as.

-Serial number of past series of issued deposit certificates-Security amount of deposit certificate for each serial number-Customer name for each serial number-Issuing branch name for each serial number-Issuance for each serial number Date ・ Financial institution name to submit for each serial number When issuing a deposit certificate, set the deposit certificate with the deposit amount etc. not yet described on the issuing machine 2 and use the keyboard etc. input. (Processing step 101) -The customer's personal identification number.

The amount that should be stated on the certificate of deposit (ie, collateral amount).・ Name of the financial institution to be submitted as collateral (including branch name). Alternatively, the code number of the financial institution to which you are submitting.

The input data and the issuing branch name (code number) recorded in the issuing machine are transmitted to the data management system 1 of the host. (Processing Step 102) The data management system 1 retrieves the data of the customer from the database based on the personal identification number of the customer and makes the following confirmation. (Processing Step 103) A. Confirm that the deposit amount at that time is larger than the collateral amount. (Processing Step 104) B. Confirm that no other certificate of deposit has been issued at that time. (Processing Step 105) The above A. And B. If the above two conditions are satisfied, the deposit certificate can be issued, and the certificate issuance data section of the customer's database 1a (magnetic disk) is updated as follows. (Processing step 106) -Update of deposit certificate serial number-Amount of collateral for new serial number-Date of issuance of deposit certificate.

-Customer name-Customer PIN-Issue branch name-Issue date-Submitted financial institution name The customer data in the transaction data section of each customer is also updated in accordance with the above data. (Processing step 107) ・ Amount of collateral ・ New certificate additional number The data management system 1 transmits that the certificate can be issued, and the issuing machine 2 causes the magnetic data writing unit 5 to make a deposit certificate 1.
The following data is recorded in the magnetic recording unit 4 of 0. (Processing Steps 108 and 109) -Additional Number-Collecting Amount-Name of Transferred Financial Institution-Customer PIN Number Also, the issuing machine 2 is a customer name, issue date, issue branch name together with the above data excluding the customer PIN number. Is printed on the certificate.
When the certificate of deposit is a plastic card, it is recorded in the magnetic recording unit 4 (magnetic stripe) and is printed or stamped.

When the deposit amount is insufficient (including the case where there is no deposit account) in A (processing step 104), the data management system 1 issues the error information that the certificate cannot be issued because the deposit amount is insufficient. It is sent to the machine 2, and the issuing machine 2 prints that the certificate cannot be issued because the deposit amount is insufficient.
(Processing Steps 111, 112) If the deposit certificate has already been issued in B (processing step 105), the fact is transmitted to the issuing machine 2, and the issuing machine 2 has already issued the deposit certificate. , Print that the deposit certificate cannot be issued. (Processing steps 113, 11
4) Next, deposit certificate verification will be described.

The other financial institution receiving the certificate of deposit as collateral sets the certificate of deposit in the collation machine 3 and presses the start key. When the customer's personal identification number is input through a keyboard (not shown), the collation machine 3 reads the following data recorded in the magnetic recording unit 4 (magnetic stripe) of the deposit certificate 10 by the magnetic data reading unit 7, and the customer's personal identification number Read the data from the keyboard. (Processing step 20
1,202) ・ Serial number ・ Security amount ・ Name of financial institution to which you are transferred ・ Personal identification number of the customer The collation device 3 compares the personal identification number of the customer with the personal identification number of the customer input from the keyboard from the read data. The name of the financial institution (including the branch name) or the code number of the financial institution (including the branch code number) of the destination to be collated and then submitted as collateral and the nonvolatile memory (not shown) of the collator 3 in advance. The recorded financial institution name (including branch name) or code number (including branch code number) is compared and collated, and if they do not match, that fact is displayed on the display unit 8 and the subsequent processing is performed. The process is terminated without performing.
(Processing Steps 203, 204, 210) If they match, the read data is sent to the data management system 1 through the line. (Processing Step 205) The data management system 1 compares and collates the received data with the data having the same certificate serial number in the certificate issuance data section existing in the customer database 1a, and the collation result is transmitted to the collator 3 through the line. To send. (Processing Step 206) The collator 3 confirms the contents of the collation result sent, and if they match, displays the fact on the display unit 8. This allows
The other financial institution receiving the certificate lends the customer with an amount corresponding to the amount of collateral. (Processing steps 207 to 2
09) If they do not match, a non-match is displayed and the process ends. (Processing steps 211 and 212) Further, when withdrawing or canceling a deposit, the certificate issued by the issuing machine 2 is set in the issuing machine 2, and the customer's personal identification number and the fact that the customer is cancelling are input by a keyboard or the like not shown. Then, the fact that the certificate has been canceled (for example, clearing all 0s) is recorded in the magnetic recording unit 4 of the certificate by the magnetic data writing unit 5 and the fact that the certificate has been canceled by the printing mechanism unit 6 (for example, "Cancellation" Character) is printed.

Further, the issuing machine 2 sends the customer's personal identification number and the fact of cancellation to the data management system 1 through the line, and the data management system 1 uses the personal identification number to issue the certificate data in the certificate issuance data section and the customer. A cancellation mark is attached to the certificate issuance data in the transaction data section, and the processing ends.

In the case of reissuing the certificate due to loss or theft of the certificate, the issuing machine 2 notifies the data management system 1 of the reissuance, and the data management system 1 uses the personal identification number to issue the certificate issuance data section. The certificate data and the certificate issue data of the transaction data section of the customer are marked with a reissue mark, and a new deposit certificate is issued with a new deposit certificate serial number.

Although the case where only one deposit certificate can be issued has been described above, it is also possible to issue a plurality of deposit certificates. In this case, if the total amount of collateral stated on the deposit certificate is less than the deposit amount, it is possible to issue a plurality of deposit certificates.

The certificate is not limited to "paper", but may be a plastic card or the like.

[0049]

As is apparent from the above description, according to the present invention, there is an industrial effect that the certificate cannot be forged or illegally used.

[Brief description of drawings]

FIG. 1 is a configuration diagram of an embodiment of the present invention.

[Figure 2] Sample deposit certificate

[Figure 3] Flow chart for issuing a certificate of deposit (1)

[Fig. 4] Flow chart for issuing a deposit certificate (2)

FIG. 5: Flowchart for deposit certificate verification (1)

FIG. 6 Flowchart for deposit certificate verification (2)

[Figure 7] Conventional deposit certificate issuing system configuration diagram

[Figure 8] Conventional deposit certificate

[Explanation of Codes] 1,11 Data Management System 1a, 11a
Customer database 2,12 Issuer 3 Collator 4 Magnetic recording unit 5 Magnetic data writing unit 6,16 Printing mechanism unit 7 Magnetic data reading unit 8 Display unit 10 Certificate of deposit 1b, 2b, 3b, 11b, 12b CPU 1c, 2c, 3c, 11c, 12c Memory 1d, 2d, 3d, 11d, 12d Line 101-114 Processing step for issuing deposit certificate 201-212 Processing step for deposit certificate verification

Claims (4)

[Claims] 1. A certificate issuing / verifying system comprising a data management system (1), an issuing machine (2) and a collating machine (3), wherein the data management system (1) is a transaction content with a customer. The transaction data with the customer for issuing and verifying the certificate (10) for certifying the certificate is centrally managed, and the issuing machine (2) has a recording means (5) and a printing means (6). ) Is a certificate issuing / verifying system characterized by having a reading means (7), a comparing and collating section, and a display section (8). 2. A certificate issuing / verifying system having an issuing machine (2) and a data management system (1), wherein the issuing machine (2) has a recording means (5) and a printing means (6). However, at the time of issuance, the certificate (1
0) As collateral information, at least the collateral amount, the certificate serial number, or the customer's personal identification number is recorded by the recording means (5), and at least the collateral amount, the certificate serial number, the issuing financial institution name, or the issuing The date is printed by the printing means (6), the issuing machine (2) sends the collateral information to the data management system (1), and the data management system (1) manages customer data. Certificate issuance and verification system. 3. A certificate issuing / verifying system comprising an issuing machine (2) and a data management system (1), wherein the issuing machine (2) comprises a recording means (5) and a printing means (6). When canceling, set the certificate (10) on the issuing machine (2), record the cancellation in the recording section (4) of the certificate (10), print the cancellation on the certificate, and then issue the certificate. (2) sends the cancellation information to the data management system (1), and the data management system (1) manages customer data. 4. A certificate issuing / collating system comprising a collating device (3) and a data management system (1), wherein the collating device (3) comprises a reading means (7), a comparison collating unit and a display unit (8). ) And the reading means (7) reads the customer's collateral information recorded by the issuing machine (2), and the comparison and collation unit is managed by the read collateral information and the data management system (1). A certificate issuance / collation system characterized by comparing and collating transaction data with existing customers, and displaying the comparison result on the display unit (8).