JPH11306308A - Bankbook with non-contact ic - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a bankbook with which a person having the legal name of an account brings a registered seal together to easily and quickly demand withdrawal of a deposit or closing of the account from the window of any head or branch office in a method where information of the registered seal impression is attached to the bankbook in a way that cannot be visually confirmed. SOLUTION: A sheet 2 with IC circuit where an antenna part 16 for data transmission/reception in a non-contact system and an IC circuit 17 having an information storage part are incorporated is attached to the bankbook into one body to obtain a bankbook 1 with a non-contact IC, and impression data of a registered seal corresponding to the bankbook is stored in the information storage part to make it impossible to visually confirm the registered seal impression on the bankbook 1, and thus, the person having the legal name of the account brings the bankbook and the registered seal to be able to easily and quickly demand withdrawal of a deposit or cancellation from a window of any head or branch office.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a passbook for a bank or the like, and more particularly, to a sheet containing an IC circuit having an antenna unit for transmitting and receiving data in a non-contact manner and an information storage unit for storing electronic data. The present invention relates to a non-contact type passbook with an IC in which a sheet with an IC circuit is integrally attached to the passbook.

[0002]

2. Description of the Related Art Conventionally, a passbook used by a financial institution such as a bank, when making a withdrawal request for a deposit or canceling an account from an account corresponding to the passbook, is required to seal a registered seal stamp corresponding to the account. This was done either directly on the spot or pasted on a stamped paper on a passbook, and the seal imprint of the notification was displayed.

[0003] However, if the account holder loses or steals the passbook and passes it to a malicious third party, he creates a very similar seal based on the imprint displayed on the passbook,
Incidents have been made in which it is extremely difficult to determine the type of seal used to withdraw deposits from accounts corresponding to passbooks and to cancel accounts, resulting in an increase in the amount of damage and a social problem.

[0004] Therefore, it has been considered that it is desirable that the seal imprint of the report in the passbook is kept only by the financial institution and not displayed in the passbook. Then, when the legitimate account holder brings the passbook and notification seal and makes a withdrawal request or cancellation request for deposit, at the window of the head office or branch where the account was opened,
Attempts have been made to obtain the seal imprint of the account stored by the financial institution corresponding to the account, and in each case confirm the seal imprint submitted by the legitimate account holder and the seal imprint stored by the financial institution.

[0005]

However, in this seal imprint verification, it is necessary to take out the notification stamp corresponding to the account from the storage location every time a request for withdrawal of a deposit from the account corresponding to the passbook or a request for cancellation of the account is made. In addition, if the procedure for conducting the procedure is other than the head office or branch where the account was opened, the procedure will be substantially complicated, and the head office or branch of the procedure window will contact the head office or branch where the account was opened and respond. The imprint of the notification is transferred by high-accuracy facsimile or the imprint of the account holder is converted into digital data in the database, and the corresponding imprint data is transferred from the stored file through the network, and the imprint data is transferred based on the imprint data. It must be reproduced as a visible seal, and the above confirmation must be performed, which requires extremely complicated procedures and does not require the construction of a large-scale system. Narazu, it had been and shall not be able to previous improve service to customers. The present invention solves these disadvantages. In this method, the seal imprint of the notification on the passbook is attached to the passbook in a way that cannot be visually confirmed as it is, and the legitimate account holder can It is an object of the present invention to provide a passbook that allows the user to easily withdraw and withdraw a deposit from a window of any head office or branch by bringing the passbook and the notification stamp.

[0006]

According to the present invention, there is provided a passbook with a non-contact type IC which has an antenna unit for transmitting and receiving data in a non-contact type and an information storage unit in order to achieve the above object.
A non-contact type IC passbook in which a circuit is integrally attached to a passbook with an IC circuit included in the sheet,
The information storage unit employs a configuration in which the seal imprint data of the notification stamp corresponding to the passbook is adopted, so that the seal imprint of the notification in the passbook can not be visually confirmed, and the legitimate account holder can Bringing the passbook and the notification stamp makes it possible to easily and promptly withdraw and withdraw a deposit from the window of any head office or branch.

[0007] Further, the IC circuit-attached sheet is formed in a label shape having an adhesive portion formed on the back surface and is adhered to a part of the passbook, so that the conventional passbook can be used. The system according to the present invention can be adopted, which is industrially useful.

[0008] The sheet with an IC circuit may further include
By adopting a configuration in which the sheet containing the circuit is bound together with the paper constituting the passbook and is integrally attached to the passbook, a label passbook having an adhesive portion formed on the back surface of the IC-equipped sheet is provided. Compared to the configuration affixed to the part, the label by the IC circuit is not peeled off,
Security can be further improved.

Further, the IC circuit stores the account number information corresponding to the passbook together with the imprint data of the notification stamp corresponding to the passbook, so that when reading the imprint data, the corresponding account data and the imprint data are stored. The verification is reliable, and higher security can be required.

[0010]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, the present invention will be described in detail with reference to the embodiments shown in FIGS. FIG. 1 is an explanatory view of a planar state of a passbook with a non-contact IC of the present invention, and FIG.
FIG. 3 is a cross-sectional view of the passbook with a non-contact IC shown in FIG. 1 taken along the line XX. FIG. 3 is a plan view of the passbook with a non-contact IC showing another embodiment of the present invention. 3. Non-contact IC
FIG. 5 is a cross-sectional explanatory view of a passbook with a line YY, and FIG.
FIG. 6 is an explanatory view of a display screen for performing seal imprint verification in a state of using a passbook with a sticker. FIG.
FIG. 7 is an explanatory diagram of a passbook printing flow showing a state in which a transaction record is printed on the passbook.

First, a passbook 1 with a non-contact type IC according to the present invention.
As shown in FIG. 1, when the passbook is opened, it has an account display 3 showing the type of the passbook, an account number display 4, and an issuing institution display 5 of the financial institution that issued the passbook. An IC section 17 having an antenna section 16 for transmitting and receiving the data and an IC storage section having an information storage section, which is integrally attached to a passbook with the IC circuit-attached sheet 2 included in the sheet 12,
The information storage unit stores imprint data of a notification stamp corresponding to the passbook and account number data of the passbook. Further, the information storage unit stores a processing program for collating the previously registered personal identification number storage area with the registered personal identification number and an externally input personal identification number and permitting access to the IC circuit. In addition, the IC circuit 17 has a CPU for performing arithmetic control based on a processing program.

As shown in FIG. 2, the IC circuit-equipped sheet 2 includes an antenna section 16 and an IC circuit 17 having an information storage section in a base sheet 12, and further includes a high-quality paper on the front and back. 11 and 12 (or polyethylene terephthalate (commonly known as PET material) or a resin sheet made of polypropylene) may be laminated, and the label may be formed with an adhesive portion 14 formed on the back surface. It is. Further, since the sheet 2 with an IC circuit formed in this label shape only needs to be affixed at least at the time of issuing the passbook, the adhesive portion 14 is covered with a release paper (not shown) until then. As a result, the system according to the present invention can be adopted using the passbook of the conventional system.

Further, the IC circuits 17 and 27 store the account number information 4 (36) corresponding to the passbook 1 together with the seal imprint data 36 (see FIG. 5) of the notification stamp corresponding to the passbook 1.
By storing k), when reading the seal imprint data 36, the matching of the corresponding account data 36k with the seal imprint data 36 is ensured, and higher security can be obtained.

The imprint collation system shown in FIG. 6 will be described. The collation device 40 includes a display screen 31 for displaying the collation status of the imprint, an input device 32 operated by a bank employee, and a collation device 4.
A storage device 33 in which a program for driving 0 is stored is connected via the control unit 30. The control unit 30 includes a printer 35 with a reader / writer for printing on the passbook 1 and reading imprint data 36 stored in the IC circuit.
And a password input device 34 for inputting a password (personal identification number) for reading the imprint data 36 stored in the IC circuit, and the imprint information stamped on the withdrawal bill 28 and the like. It is connected so as to be able to control an image input device 29 which takes in digital data for reading.

FIG. 5 is an enlarged explanatory view of the display screen 31. Next, the use state of the passbook 1 with non-contact type IC will be described with reference to FIG. 6 and FIG. When making a request for withdrawal of a deposit, the stamp imprint of the report on the passbook 1 cannot be visually checked by a third party, but a regular account holder knows the notification stamp. And submit it to a bank counter together with the passbook 1 with non-contact IC. When the bank reads the passbook 1 with the non-contact type IC and the imprint data 36 and the account number registered in the passbook by the printer 35 with the reader / writer, the bankruptcy demander inputs the password from the password input unit 34 to the deposit withdrawer. Then, the access to the non-contact type IC circuit is permitted, and the access to the non-contact type IC circuit is permitted.

On the other hand, withdrawal bill 2 submitted by the withdrawal claimant
Reference numeral 8 denotes refund request seal data 38 stamped by the image reader 29, account number data 38k input by the banker from the input device 32, imprint data 36, account number data 36k.
Is displayed on the display screen 31 in comparison with the display screen 31. The display screen 31 further displays a verification window 39 for verifying the reimbursement claim data 38 and the imprint data 36 in the IC circuit in a superimposed state. 39k and the collation rate 37 of the collation window 39 are displayed side by side so that the notification stamp can be collated easily.

Further, since the passbook 1 with non-contact type IC of the present invention is configured as described above, an example in which the transaction record line of the passbook becomes full and a new passbook 1 with non-contact type IC is issued. A description will be given based on FIG. First, when the passbook is inserted into the device (the printer 35 with an IC reader / writer in the case of the collation device) by the collation device 40 or cash dispenser (not shown) at the bank counter (step 51), the passbook is printed by the printer unit. Position is confirmed (Step 5
2) If the passbook print line is not full (step 53)
, One line of transaction information required for the passbook is written (step 54). Next, if printing is completed in step 55, the passbook is discharged (step 56). If print information remains, the flow returns to step 52 to check the passbook printing position. If the passbook print line is full at step 53,
The user of the passbook 1 with non-contact type IC is prompted to input a personal identification number. If the inputted personal identification numbers match (the collation of the personal identification number is performed in the IC circuit of the passbook 1). The data such as the imprint data, the account number data, and the personal identification number are transferred from the old contactless IC passbook 1 to the new noncontact IC passbook 1 (step 58), and step 54 is performed.
And one line of transaction information necessary for the passbook is written.
Thereafter, the same processing is repeated.

If it is determined in step 57 that the collation of the personal identification number cannot be obtained, the user is prompted to input the personal identification number again. Also, in the case of refund processing with a cash dispenser, usually, a passbook is used in combination with a cash card, a password is first input, and the password is collated at that time, so the passbook printing Step 57 of FIG. 7 showing the flowchart may be omitted.

As described above, the passbook 1 with a non-contact type IC according to the present invention is constructed and used. As another embodiment, as shown in FIGS. May be configured to include an IC circuit in the paper 22 that becomes
Base sheet 15 containing antenna 26 and IC circuit 27
The high-quality papers 23 and 24 are laminated on the front and back sides of the banknote, and the sheets are bound together with the middle paper of the bankbook to create the bankbook 21 with a non-contact IC. In this way, the sheet 2 with the IC circuit can be provided like the passbook 1 with the non-contact type IC shown in FIGS.
There is no need to attach it to a passbook, the IC circuit-equipped sheet 2 is not peeled off, security can be further improved, and it can be handled like a conventional passbook.

In the above embodiment, the non-contact type IC
The circuit shows an example with a CPU, but it is not always necessary to add a CPU, and at least imprint data of a notification stamp, or only imprint data and account number data are stored,
It may be simply a memory-like configuration. In addition, even with this memory configuration, security can be selected at a desired level by using a publicly known file encryption and restoration technique for a personal identification number and imprint data. In any case, any type may be used as long as the imprint data is stored in the IC circuit and the imprint display is not visually performed.

Further, when the CPU is not added to the IC circuit, or when the collation for permitting the access to the IC circuit is not performed based on the personal identification number, the password input unit 34 of the collation device 40 shown in FIG. 6 or the passbook shown in FIG. It goes without saying that the password input of step 57 is not required when transferring the imprint data and the account number data together with the imprint data from the old passbook to the new passbook in the print flow diagram.

[0022]

According to the passbook 1 with a non-contact type IC of the present invention, the imprint of the report on the passbook cannot be visually confirmed by the above-described structure, and the legitimate account holder can stamp the report with the passbook. Bringing a bank account allows you to easily withdraw or withdraw a deposit from any of the head office or branch offices, and forge your seal based on the seal imprint displayed on your passbook by a malicious third party. A very similar seal is used, and it is possible to prevent a case of requesting withdrawal of a deposit from a passbook or a request for canceling an account. Also, when a bankbook transaction record line is full and a new passbook is issued, it is not necessary to replace the seal stamp as in the past or to bring a seal each time to display the seal, and the seal data is stored in the old passbook. From a new passbook to a new passbook, and an industrially very useful passbook can be provided.

[Brief description of the drawings]

FIG. 1 is an explanatory view of a planar state of a passbook with a non-contact type IC of the present invention.

FIG. 2 is an explanatory cross-sectional view of the passbook with a non-contact IC shown in FIG.

FIG. 3 is an explanatory diagram of a planar state of a passbook with a non-contact IC showing another embodiment of the present invention.

FIG. 4 is an explanatory sectional view taken along line YY of the passbook with a non-contact IC shown in FIG. 3;

FIG. 5 is an explanatory view of a display screen for performing imprint verification in a use state of a passbook with a non-contact IC.

FIG. 6 is an explanatory diagram of a system for performing seal 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 in which a transaction record is printed on the passbook.

[Explanation of symbols]

 1,21 Non-contact type passbook with IC 2,22 Sheet with IC circuit 16,26 Antenna part 17,27 IC circuit 31 Display screen 35 Printer with IC reader / writer 36 Imprint data 36k Account number data

Claims (4)

[Claims] An IC circuit having an antenna unit for transmitting and receiving data in a non-contact manner and an information storage unit is integrally attached to a passbook with an IC circuit sheet included in the sheet. A passbook, wherein the information storage unit includes:
A passbook with a non-contact type IC, wherein imprint data of a notification stamp corresponding to the passbook is stored. 2. The non-contact type IC according to claim 1, wherein the sheet with an IC circuit is formed in a label shape having an adhesive portion formed on a back surface, and is attached to a part of a passbook.
With passbook. 3. The sheet with an IC circuit, wherein the sheet containing the IC circuit is bound together with other sheets forming the passbook and is integrally attached to the passbook. 1. The passbook with a non-contact IC according to 1. 4. The information storage section of the IC circuit stores account number information corresponding to a passbook together with imprint data of a notification stamp corresponding to the passbook.
4. The passbook with a non-contact type IC according to any one of the items 3 to 3.