JP6062501B1 - Securities business support system and program - Google Patents

Abstract

A safe and simple securities business support system capable of constructing a system that does not rely on communication infrastructure, and capable of reducing work burdens and suppressing occurrence of work mistakes. A certificate printing means for printing a bank account opening certificate with a bar code including bank information such as an account number of a bank account and customer information such as a name is provided in the bank system. In addition, when a customer who applies for opening a securities account brings a bank account opening certificate to a securities company, the account opening procedure support means 52 for reading the barcode printed on the certificate, and the bank read from the barcode Securities account information registration means 82 for storing information and customer information in the bank information database 92 and the customer database 91 in association with the account number of the assigned securities account is provided, and the securities business support system 10 is configured. [Selection] Figure 1

Description

  The present invention relates to a securities business support system and program configured by a computer that supports securities business including account opening. For example, the communication infrastructure such as the Internet is hit by an earthquake disaster, or the communication infrastructure is not yet available. It can be used when developing or conducting securities business in unstable areas.

  In general, securities operations such as procedures for opening customer accounts at securities companies (hereinafter referred to as “securities accounts”), procedures for depositing into securities accounts, and procedures for withdrawing from securities accounts are carried out by sales representatives at securities companies. It is performed by reception or by online procedures via the Internet by the customer's own terminal operation.

  When the procedure is performed by a sales representative at a securities company store as in the former case, for example, in the case of a procedure for opening a securities account, the customer enters the name, address, and bank account number in the securities account opening application form. The necessary items such as the above are manually entered, and the sales staff manually inputs this information into the system. On the other hand, when performing online procedures via the Internet by the customer's own terminal operation as in the latter case, for example, in the case of deposit / withdrawal procedures, a customer who logs in to the system from his / her terminal at a remote location himself / herself The work of typing in the amount and entering it.

  In the case of the former, since there is a manual entry work for the customer and a sales staff at the securities company has a manual entry work for the system, it is a laborious and time-consuming work for both. ing. On the other hand, in the latter case, there is no manual entry work, but it is assumed that the communication infrastructure such as the Internet is in a healthy state.

  The present invention is a system that supports a securities business using a two-dimensional or one-dimensional barcode, but as a peripheral technology related to the barcode, for example, a QR code (registered trademark) that is a two-dimensional code. A technique is known (see Patent Document 1).

Patent No. 2938338

  As mentioned above, in the case of securities business, when the procedures are conducted by the reception of the sales staff at the brokerage company's storefront, the manual entry work by the customer and the information entered by the brokerage company to the system by the sales staff of the securities company Since there is a manual input operation, it takes time and effort, and an operation error can occur. Therefore, it is desirable to reduce the operation load and suppress the operation error. In developing countries, there are cases where there are no sales employees who are familiar with securities business, or there are cases where it is difficult to secure them. Therefore, it is desirable to build a simple support tool that can control securities business smoothly.

  Further, as described above, when performing online procedures for securities business via the Internet, it is assumed that the communication infrastructure is in a healthy state. However, communication infrastructures such as the Internet may be damaged and become unusable due to the earthquake disaster and cyber terrorism that has occurred frequently in recent years. In such a case, the communication function recovers over time, but it is inconvenient that no work can be done during that time, so a simple backup system that can be used when the communication infrastructure is hit is used. It is desirable to build it.

  Furthermore, in developing countries, etc., the communication infrastructure such as the Internet may not be established or may be unstable. In such cases, it is desirable to establish a system that can smoothly perform securities business. .

  Here, if a system that does not rely on the communication infrastructure such as the Internet is constructed, if it is simply considered, manual work will increase, so it is possible to reduce the work burden of customers and securities company salespeople. In addition, it is not easy to suppress the occurrence of work mistakes. Therefore, it is desired to develop a system that simultaneously satisfies seemingly contradictory requirements, such as construction of a system that does not rely on communication infrastructure, reduction of work load, and suppression of occurrence of work mistakes.

  It should be noted that when information is accurately transmitted without using a communication infrastructure such as the Internet, it is conceivable to use a recording medium such as a USB memory, a CD, or a DVD. If you rent a storage medium, you will have to return the lent recording medium to the customer, and if you distribute the recording medium such as a USB memory to the customer free of charge, it will be costly and you will bring your own storage medium such as a USB memory. In particular, in developing countries and the like, there is a disadvantage that not all customers have appropriate recording media. In addition, in the case of such lending / free distribution / carrying-in of a recording medium such as a USB memory, there is a possibility of causing leakage of personal information or virus infection (leakage or infection via a recording medium, not a network). Yes, it is not a safe means, and it will also have problems equivalent to the security concerns of unstable communications infrastructure. Therefore, in addition to the construction of a system that does not rely on communication infrastructure such as the Internet, the reduction of work load and the suppression of work errors, it is also possible to build a safe system that can prevent personal information leakage and virus infection This is an important issue.

  An object of the present invention is to provide a safe and simple securities business support system and program that can build a system that does not rely on communication infrastructure, and that can reduce work burdens and suppress work errors. By the way.

The present invention is a securities business support system configured by a computer that supports securities business including account opening,
A bank side support unit provided in the bank system for managing bank accounts and a securities company side support unit provided in the securities company system for managing securities accounts,
The bank support department
Bank information and name, including the bank account account number that is entered in the bank customer database associated with the accepted bank customer identification information, accepting the input of the bank account account number or other bank customer identification information for the bank customer Using the customer information that contains the information, the bar code processing to create the two-dimensional or one-dimensional barcode information for opening an account containing these information is executed, and the bank customer opens a bank account in the bank A certificate printing means for executing a process of printing a bank account opening certificate for certifying that the bank has been attached with a barcode;
The securities company support department
An account that executes a barcode reading process that reads the barcode printed on the bank account opening certificate when a bank customer who applies for opening a securities account with a securities company brings the bank account opening certificate to the securities company Opening procedure support means,
In response to an application for opening a securities account by a bank customer, the account number of the securities account is assigned to make the bank customer a customer of the securities company, and the bank account and customer information included in the barcode are assigned to the account of the securities account. It is characterized by comprising securities account information registration means for executing a process of storing in a bank information database and a customer database in association with numbers.

  In the present invention as described above, the certificate printing means is provided in the bank system, and the account opening procedure support means and the securities account information registration means are provided in the securities company system. Bank information and name including bank account account number for bank customers by creating and printing barcodes by bank support department of banking system and reading barcodes by securities company support department of securities company system The customer information including the information can be transmitted from the bank to the securities company as information necessary for the procedure.

  For this reason, customers who perform securities account opening procedures will either eliminate or reduce manual work associated with procedures such as manually filling in necessary information on the securities account opening application form at the securities company's storefront. This eliminates or reduces the amount of work required to enter information obtained from customer manual entry into the system, thereby reducing the workload of customers and securities company salespeople and reducing work errors. It is also possible.

  In addition, since information is exchanged with barcodes, it is possible to construct a system that does not rely on communication infrastructure. For this reason, it is possible to construct a simple backup system in the event that the communication infrastructure such as the Internet is hit by the earthquake or cyber terrorism and cannot be used, and the communication infrastructure is undeveloped or unstable. It can also be used in developing countries.

  Furthermore, since it is delivered by barcode printed on paper (paper etc.), there is no risk of virus infection compared to delivery by a recording medium such as USB memory, and the information transmission medium is paper (paper etc.) Therefore, compared to a recording medium such as a USB memory, the risk of copying and diffusing information is low, and the risk of leakage of personal information can be reduced, so that a safe system can be realized. It becomes possible. In addition, since the information transmission medium is paper (paper or the like), an inexpensive system construction can be realized.

  And since it is a simple system that can proceed with the procedure by creating, printing and reading barcodes, even a securities company or bank salesperson who is not familiar with the business can suppress the occurrence of work mistakes and carry out securities business. And support services can be carried out smoothly. For this reason, in developing countries, there are cases where there are no sales employees who are proficient in securities business or it is difficult to secure them. In such cases, it is possible to build a system that functions effectively. When using as a backup system when the communication infrastructure is hit by an earthquake or cyber terrorism, even if it is not used repeatedly, that is, even if it is not used excessively, It becomes possible to construct a system that can be used in an emergency, and these objects are achieved by these.

In the securities business support system described above,
The securities company support department
Using the account number of the securities account for the customer who is depositing into the securities account, obtain the account number of the customer's bank account associated with this account number stored in the bank information database, and Accept the input of the deposit amount to the securities account, and deposit including this information using the account number of the bank account, the account number of the securities account, the account number of the representative account of the securities company established in the bank, and the deposit amount Securities to execute the barcode processing that creates 2D or 1D barcode information for request, and to request transfer from the customer's bank account to the representative account of the securities company as a deposit procedure to the securities account It is configured with a deposit procedure support means for executing a process of printing a deposit request form to an account with a barcode for deposit request attached,
The bank support department
When a customer who requests a deposit to a securities account from a bank brings a deposit request to a securities account to the bank, a barcode reading process is performed to read the barcode printed on the deposit request to the securities account. Then, using the account number of the bank account read from the barcode, the account number of the representative account of the brokerage company, and the deposit amount, the deposit is executed to start the transfer from the customer's bank account to the representative account of the brokerage company It is desirable to have a request receiving means.

  In this way, when the securities company system is provided with the deposit procedure support means and the bank system is provided with the deposit request reception means, the deposit procedure for the securities account is the same as the procedure for opening the securities account described above. Similarly, it is possible to build a system that does not rely on communication infrastructure, reduce the work burden on customers and sales staff of securities companies and banks, reduce work errors, and build a safe, simple, and inexpensive system. .

Furthermore, as described above, in the case where the securities company system is provided with a deposit procedure support means and the bank system is provided with a deposit request receiving means,
The banking support department's deposit request acceptance means is:
When the transfer from the customer's bank account to the securities company's representative account is completed, the bank account number, the account number of the securities account, the account number of the securities company's representative account, and the actual transfer amount are used. Execute barcode processing to create two-dimensional or one-dimensional barcode information for payment completion notification including the information of the deposit completion notification, and this barcode completion notification barcode is already in the deposit request form of the securities account A configuration may also be adopted in which processing for printing at a position different from the position of the barcode for deposit request being printed is also executed.

  In this way, when the deposit request notification bar code is printed on the deposit request form to the securities account, even when the communication infrastructure such as the Internet cannot be used, the deposit completion notification from the bank to the securities company is sent. Will be able to do. In addition, since the payment completion notification is made by a bar code, the functions and effects of using the bar code detailed in the procedure for opening a securities account are also exhibited here.

In the securities business support system described above,
The securities company support department
Withdrawal procedure support means that accepts input of the withdrawal amount of a customer who performs withdrawal procedures from a securities account, and stores the accepted withdrawal amount in the withdrawal database in association with the account number of the securities account for the customer When,
For each customer withdrawal procedure, each customer's securities account account number stored in the withdrawal database, each customer's bank account associated with each customer's securities account account number and stored in the bank information database 2D or 1D for withdrawal requests containing this information, using the account number of the customer, the account number of the representative account of the brokerage firm established at the bank, and the withdrawal amount of each customer stored in the withdrawal database Execute barcode processing to create barcode information for each customer, create a withdrawal list with the barcode created for each customer withdrawal procedure, and execute processing to print or output to a file And a gold list creation means,
The bank support department
Each customer who has read a bar code reading process that reads one bar code at a time from the bar code attached to the pay list printed using the file printed or output by the withdrawal list creation means. A withdrawal request that starts the transfer from the securities company's representative account to the bank account of each customer, using the bank account number of the company, the account number of the representative account of the securities company, and the withdrawal amount of each customer It is desirable to have a receiving means.

  In this way, when the withdrawal procedure support means and withdrawal list creation means are provided in the securities company system and the withdrawal request reception means is provided in the bank system, the withdrawal procedure from the securities account is also described above. Similar to the procedures for opening a securities account or depositing a securities account, constructing a system that does not rely on communication infrastructure, reducing the workload of customers, securities companies and bank sales staff, and reducing work errors Therefore, it is possible to construct a safe, simple and inexpensive system.

Furthermore, as described above, in the case where the securities company system is provided with a withdrawal procedure support means and a withdrawal list creation means, and a withdrawal request reception means is provided in the bank system,
The withdrawal list creation method of the securities company support department is:
Staggered to realize continuous reading work that moves the barcode reader diagonally without arranging the barcodes created for each withdrawal procedure of each customer in a row in the vertical or horizontal direction It is good also as a structure which performs the process made into a shape arrangement | positioning, a zigzag arrangement | positioning, a square-shaped arrangement | positioning, a reverse half-shaped arrangement | positioning, a square-shaped arrangement | positioning, a reverse-shaped-shaped arrangement | positioning, or other diagonal movement guidance arrangement | positioning.

  When the barcode to be printed on the withdrawal list is in an oblique movement guide arrangement as described above, when the barcode reader continuously reads a plurality of barcodes, continuous movement in the vertical direction or continuous movement in the horizontal direction is performed. Therefore, a moderate change is brought about in monotonous work, and it is possible to prevent skipping and double reading of barcodes.

As described above, in the case where the securities company system is provided with a withdrawal procedure support means and a withdrawal list creation means, and the bank system is provided with a withdrawal request reception means,
The withdrawal list creation method of the securities company support department is:
Bars that create 2D or 1D barcode information for inspection, including the number of withdrawal request barcodes placed on each withdrawal list page or other section and the total amount of withdrawals The coding process is executed, and a process of attaching a bar code for inspection at the bottom of each section of the withdrawal list is also executed.
The bank support department's withdrawal request acceptance means is:
After reading all withdrawal request barcodes in each section, when the barcode for inspection is further read, the number of withdrawal request barcodes and barcodes for withdrawal requests Compare the total amount of withdrawals read from the number of readings from the bar code for inspection and the total amount of withdrawals. If they do not match, display the screen and / or output a warning sound. It is good also as a structure which performs the warning process to notify.

  In this way, when a bar code for inspection is attached to the bottom of each section (for example, page) of the withdrawal list, skip reading of the withdrawal request barcode or double reading is further performed. It becomes possible to prevent more reliably.

In addition, as described above, in the case where a bar code for inspection is attached to the bottom of each section (for example, page) of the withdrawal list,
The bank support department's withdrawal request acceptance means is:
Within each parcel, create 2D or 1D barcode information for withdrawal failure notifications that includes the account number of the customer's securities account that failed to transfer from the broker's representative account to the customer's bank account. Execute barcode processing, and place this withdrawal failure notification barcode in a different section of the withdrawal list from the location of the withdrawal request and inspection barcodes already printed. It is also possible to adopt a configuration that also executes processing for printing.

  In this way, when the withdrawal failure notification barcode is printed in each section (eg, page) of the withdrawal list, even if the communication infrastructure such as the Internet cannot be used, the bank transfers to the securities company. Will be able to notify the withdrawal failure. In addition, since the withdrawal failure notification is made by a bar code, the actions and effects of using the bar code detailed in the procedure for opening a securities account are also exhibited here.

In the securities business support system described above,
The bank side support part of the bank system and the securities company side support part of the securities company system comprise encryption key storage means for storing the encryption key,
Bar code processing is
Using an encryption key stored in the encryption key storage means, and encrypting information to be included in the barcode,
The barcode reading process
You may make it include the decoding process which decodes the information read from barcode using the encryption key memorize | stored in the encryption key memory | storage means.

  In this way, when the barcode processing includes encryption processing and the barcode reading processing includes decryption processing, the confidentiality of information is enhanced and the leakage of personal information is performed for information transmission by barcode. Risk can be further reduced.

Further, as described above, in the case where the barcode processing includes encryption processing and the barcode reading processing includes decryption processing,
The encryption process included in the barcode process is
Key selection type encryption that encrypts information to be included in a barcode using any one of a plurality of encryption keys stored in the encryption key storage means and includes the number of the used encryption key in the barcode Processing and
The decoding process included in the barcode reading process is:
Reads the encryption key number from the barcode, acquires the encryption key corresponding to the read encryption key number from the encryption key storage means, and uses the acquired encryption key for information other than the encryption key number read from the barcode It is also possible to use key selection type decryption processing for decrypting.

  When the key selection type encryption process and the key selection type decryption process are configured as described above, any one of the prepared encryption keys can be selected and used. Since the encryption key to be used is not fixed, the confidentiality of information can be further enhanced.

As described above, in the case where the barcode processing includes encryption processing and the barcode reading processing includes decryption processing,
The encryption process included in the barcode process is
Using the first encryption key stored in the encryption key storage means, a first encryption process for encrypting information included in the barcode is executed, and further, the first encryption process stored in the encryption key storage means is performed. The information after the first encryption process is encrypted using any one of the plurality of encryption keys for 2 encryption, and the number of the encryption key used for the second encryption is included in the barcode. Or double encryption processing (1) for executing the second encryption processing,
Alternatively, the information included in the barcode is encrypted using any one of the plurality of first encryption keys stored in the encryption key storage unit, and the first encryption used Execute the first encryption process that includes the key number in the barcode, and further encrypt the information after the first encryption process using the encryption key for the second encryption stored in the encryption key storage means. A double encryption process (2) for executing the second encryption process to be
The decoding process included in the barcode reading process is:
When the double encryption process (1) is being executed, the number of the second encryption key is read from the barcode, and the second encryption corresponding to the read second encryption key number is read. A second encryption process other than the number of the second encryption key read from the barcode using the second encryption key acquired from the encryption key storage means A second decryption process for decrypting the information after the first decryption process using the first encryption key stored in the encryption key storage means. Or a double decoding process (1) for executing
Or, when the double encryption process (2) is executed, the second encryption process after reading from the barcode using the encryption key for the second encryption stored in the encryption key storage means The first decryption process for decrypting the information is executed, the number of the first encryption key is read from the barcode or the information after the first decryption process, and the read first encryption key is read A second decryption process for obtaining a first encryption key corresponding to the number from the encryption key storage means and decrypting the information after the first decryption process using the obtained first encryption key. The double decoding process (2) to be executed may be performed.

  When the double encryption process (1) and the double decryption process (1) or the double encryption process (2) and the double decryption process (2) are configured as described above, the encryption / decryption is performed. Since the encryption key to be used is not fixed, the confidentiality of the information can be further enhanced.

In the securities business support system described above,
Bar code processing is
Including a hole punching process for information concealment corresponding to a transparent sheet used as a reading aid over the barcode during the barcode reading process,
Transparent sheet
Form a pattern for punching and filling holes in a transparent or nearly transparent sheet-like member with scattered black dots of the same shape and size as the cells that are the smallest unit of the black and white area that composes the barcode (A) a plurality of transparent sheets depicting different patterns are prepared, or (B) a transparent sheet depicting a continuous pattern having a region larger than the barcode is prepared, or (C) In some cases, a plurality of transparent sheets having different continuous patterns are prepared,
Drilling process for information concealment
One of the transparent sheet patterns in the case of (A) stored in the pattern storage means, one of the cut patterns cut out by one cell from the continuous pattern of the transparent sheet in the case of (B), or For any cut pattern that is cut out by shifting one cell at a time from the continuous pattern of any transparent sheet in the case of (C), all the black dots in the pattern or the cut pattern Whether or not it satisfies the condition that it overlaps with a black cell among a plurality of cells constituting a cell, or overlaps with a black cell outside a predetermined non-processed region among a plurality of cells constituting a created barcode. By judging, a pattern or cutout pattern that satisfies this condition is extracted and adopted as a pattern for drilling, and the position of the black dot in the adopted pattern The corresponding cell is reversed from black to white to make a hole, and as the specific information of the adopted pattern for punching, the number of the transparent sheet in the case of (A) and the shift of the cut pattern in the case of (B) A process of creating print data for printing with the barcode or the amount of the transparent sheet in the case of (C) and the shift amount of the cutting pattern attached to the barcode,
The barcode reading process
The barcode is photographed in a state where the transparent sheet corresponding to the number as the specific information in the case of (A) is covered on the barcode by covering the barcode, or attached to the continuous pattern of the transparent sheet in the case of (B) The barcode is photographed in a state where the transparent sheet is covered with the transparent sheet over the barcode while adjusting the scale to the shift amount as the specific information, or transparent corresponding to the number as the specific information in the case of (C) Processing may be included in which the barcode is photographed in a state where the transparent sheet is covered with the transparent sheet while the scale attached to the continuous pattern of the sheet is adjusted to the shift amount as the specific information.

  As described above, when the barcode punching process and hole filling process are performed using the pattern or continuous pattern of the transparent sheet, the barcode cannot be read as it is, so the confidentiality of the information. Can be further increased. In the barcode reading process, the barcode is photographed in a state where the transparent sheet is placed on the barcode so as to fill the hole. That is, the barcode image is not read back by software, but is read by a reading aid. By filling the hole with a certain transparent sheet, the state before the punching process is restored, so that the image reading by the barcode reader and the subsequent decoding process can be performed in the same procedure as when the punching process is not performed. Therefore, in the barcode processing (system for creating and printing barcodes), it is necessary to develop a program for executing the hole punching processing. However, the barcode reading processing (on the side for barcode reading) In the system), it is not necessary to develop a program for executing the hole filling process, and it is possible to use a commonly used general program (a program that is commercially available or published). When the barcode processing includes encryption processing, decryption processing is required in the barcode reading processing, but the processing before the decryption processing is performed, that is, the image is captured by the barcode reader. This means that no special program development is required for processing to capture an image, perform black and white discrimination of cells in the image, and decrypt the black and white information to convert it into encrypted transmission information (ciphertext). It is.

Furthermore, as described above, using a transparent sheet pattern or a continuous pattern, when configured to perform barcode hole punching processing and hole filling processing,
Transparent sheet
In the case of (A) or (C), the transparent sheets in the case of (A) include transparent sheets depicting patterns with different density of black dots, ( Among the plurality of transparent sheets in the case of C), a transparent sheet depicting a continuous pattern with different density of black dots is included,
Drilling process for information concealment
You may make it include the process which judges the success or failure of conditions from a transparent sheet with a high density of black dots.

  In this way, when it is configured to determine the success or failure of conditions from a transparent sheet with high density of black spots, a pattern with high density of black spots or a cut pattern from a continuous pattern is adopted as a pattern for drilling. Therefore, it becomes possible to perform drilling processing for more positions, and the confidentiality of information can be improved. Further, when there are a plurality of patterns that satisfy the condition, it is possible to extract a pattern having the highest density of black dots among these patterns at an early stage.

And, as described above, using a transparent sheet pattern or continuous pattern, in the case of a configuration that performs a hole punching process and hole filling process of the barcode,
The securities company support department of the securities company system
Use pattern specifying information storage means for accumulating and storing the specified information for the drilling pattern employed;
Using the specific information stored in the use pattern specifying information storage means, it is determined whether or not the adopted pattern for drilling is concentrated in one or several predetermined patterns. If there is a pattern management means for executing a warning display process for instructing replacement of the prepared transparent sheet, the configuration may be provided.

  In the case of the configuration including the use pattern specifying information storage unit and the pattern management unit as described above, the pattern to be employed is prevented from being fixed by regenerating the transparent sheet pattern or the continuous pattern according to the warning display. It becomes possible to further improve the confidentiality of information. For this reason, it is possible to avoid an inconvenient situation in which a specific pattern continues to be adopted due to an inappropriate arrangement of the black dots forming the pattern of the prepared transparent sheet or the continuous pattern.

  The program of the present invention is for causing a computer to function as the securities business support system described above.

  The above-mentioned program or a part thereof is, for example, a magneto-optical disk (MO), a read-only memory (CD-ROM) using a compact disk (CD), a CD recordable (CD-R), a CD rewritable (CD -RW), read-only memory (DVD-ROM) using digital versatile disk (DVD), random access memory (DVD-RAM) using DVD, flexible disk (FD), magnetic tape, hard disk, It can be recorded on storage media such as read-only memory (ROM), electrically erasable and rewritable read-only memory (EEPROM), flash memory, and random access memory (RAM) for storage and distribution. For example, LAN, MAN, WAN, Internet , An intranet, a wired network such as an extranet or wireless communications network, and further is capable of transmitting using a transmission medium such as a combination thereof, also can be delivered by placing the carrier. Furthermore, the above program may be a part of another program, or may be recorded on a recording medium together with a separate program.

  As described above, according to the present invention, information necessary for procedures related to securities business can be transmitted between a bank and a securities company by creating, printing, and reading a barcode. In addition to being able to build an unreliable system, it is possible to reduce the work load and to suppress the occurrence of work mistakes, and it is possible to realize a safe and simple system.

1 is an overall configuration diagram of a securities business support system according to an embodiment of the present invention. The figure of the flowchart which shows the flow (the 1) of the securities account opening process of the said embodiment. The figure of the flowchart which shows the flow (the 2) of the securities account opening process of the said embodiment. The figure of the flowchart which shows the flow of the 1st alternative process of the completion notification of the money_receiving | payment process of the said embodiment. The figure of the flowchart which shows the flow of the 2nd alternative process of the completion notification of the money_receiving | payment process of the said embodiment. The figure of the flowchart which shows the flow of the process regarding the deposit | payment procedure (when it carries out not on the same day as the securities account opening procedure but the same day) performed by reception of a sales employee in the store of the securities company of the embodiment. A deposit procedure performed by a customer's own operation using a terminal with a biometric authentication function (KIOSK terminal) installed at a customer corner of a branch of the securities company of the above embodiment (when performing later, not the same day as the securities account opening procedure) The figure of the flowchart which shows the flow of the process regarding (1). The figure of the flowchart which shows the flow of the process regarding the payment procedure performed via the internet from the customer terminal of the said embodiment. The figure of the flowchart which shows the flow of the process regarding the payment procedure performed by customer's own operation using the terminal with a biometrics authentication function (KIOSK terminal) installed in the customer corner of the branch of the securities company of the embodiment. The figure of the flowchart which shows the flow of the process regarding the payment procedure performed by reception of a sales employee at the storefront of the securities company of the embodiment. The figure which shows the usage example of the barcode of the said embodiment. The figure which shows the example of a screen at the time of the securities account opening of the said embodiment. The figure which shows the example of a screen in the case of the payment procedure to the securities account of the said embodiment. Explanatory drawing of the key selection type encryption process of the said embodiment. Explanatory drawing of the double encryption process (1) and double decryption process (1) of the said embodiment. Explanatory drawing of the double encryption process (2) and double decryption process (2) of the said embodiment. The figure which shows the example of the diagonal movement guidance arrangement | positioning in the withdrawal list | wrist of the said embodiment. The figure of the flowchart which shows the flow of preparation / printing processing of barcode information of the said embodiment, and barcode reading processing. The figure of the flowchart which shows the flow of the drilling process for information concealment of the said embodiment. Explanatory drawing of the hole-filling process by the punching process of the said embodiment and a transparent sheet.

  An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 shows the overall configuration of a securities business support system 10 of the present embodiment. The securities business support system 10 includes a bank support unit that is a part of the bank system 20 and a securities company support unit that is a part of the securities company system 40. In FIG. 1, a part related to the present invention is mainly described in the bank system 20 and the securities company system 40, and the description of other functional parts is omitted, but the bank side in the bank system 20 is omitted. Since the part corresponding to the support part and the part corresponding to the securities company side support part of the securities company system 40 are determined by the description of the claims of the present application, they are not clearly shown in FIG.

  2 to 10 are flowcharts showing the flow of securities business support processing by the securities business support system 10, and FIG. 3 shows an example of barcode usage by the securities business support system 10. 4 and FIG. 5 show screen examples. Further, FIGS. 14 to 16 are explanatory diagrams of the encryption process and the decryption process. FIG. 17 shows an example of arrangement of barcodes in the withdrawal list, and FIGS. 18 to 20 show information concealment. It is explanatory drawing of the hole-piercing process and the hole-filling work by a transparent sheet.

  <Details of system configuration>

  In FIG. 1, a bank system 20 and a securities company system 40 are connected by a network 1 centered on the Internet, whereby a cooperation system between a bank and a securities company is constructed. However, the present invention is a system that assumes a case where the network 1 cannot sufficiently perform the function as a communication line, and functions effectively even in such a bad environment. The bank store and the securities company store may be located in the vicinity of the same building, the same floor, the next building, etc., or in a neighboring area of the same town, or separated from the same town. However, in the case of a remote place that requires a long time to move, it is not suitable for the present invention that involves a procedure with a time limit.

  In addition, a customer terminal 130 operated by a customer is connected to the network 1 so that the customer terminal 130 can log in to the securities company system 40 via the network 1. Further, the securities company system 40 is constructed by connecting a plurality of computers via an in-house network 2 such as an in-house LAN or an intranet. The securities company system 40 is connected to the exchange system 140 via the dedicated line 3.

  The bank system 20 is composed of one or a plurality of computers, and includes processing means 20A for executing various processing relating to banking operations and support processing for securities operations, a bank customer database 31 connected to the processing means 20A, a bank An account database 32, an encryption key storage means 33, and a pattern storage means 34 are provided. Although the bank system 20 is simply described in FIG. 1, as in the case of the securities company system 40, the bank system 20 may be constructed by connecting a plurality of computers via an in-house network such as an in-house LAN or an intranet. In the following description, it is assumed that the system mainly includes a terminal installed at a bank store or the like and a server. In the case of a terminal installed at a bank store, for example, an input means such as a mouse or a keyboard, a display means such as a liquid crystal display or a CRT display, a printing apparatus capable of barcode printing, and an imaging such as a CCD. And a bar code reader having means.

  The processing unit 20A includes a setting unit 21, a certificate printing unit 22, a deposit request receiving unit 23, a withdrawal request receiving unit 24, and a deposit / withdrawal unit 25.

  The setting means 21 accepts an encryption key setting input from a terminal (not shown) in the bank by an operation of a bank person in charge (a system person, but may be a sales person), and uses the encryption key as an encryption key. Processing to be stored in the storage means 33 and processing to receive pattern data input from a terminal in the bank (hereinafter, pattern data may be simply referred to as a pattern) and to store the pattern in the pattern storage means 34 Is to execute.

  Here, the encryption key may be prepared on the securities company side or on the bank side, and may be a common key used in common for encryption and decryption, a public key used for encryption, It may be a secret key used for decryption. Further, the pattern is, for example, the continuous pattern 401 of the transparent sheet 400 of FIG. 20, but may be a non-continuous pattern (pattern having a size corresponding to one barcode), or there are a plurality of transparent sheets. In this case, each pattern is stored in association with the number of the transparent sheet. Note that the encryption key storage means 33 and the pattern storage means 34 may be provided in the terminal or in the server. When these are provided in the terminal, the setting means 21 is determined from the program installed in the terminal. Thus, when provided in the server, the setting means 21 is configured to start a program installed in the server from a general-purpose browser of the terminal, or configured of a program installed in the server and a dedicated program of the terminal. .

  As shown in FIG. 2, the certificate printing means 22 is a customer to be supported (here, a bank customer) who performs a securities account opening procedure by operating a bank sales representative at a bank store terminal (not shown). ) Received and accepted bank account number or other bank customer identification information (for example, name, date of birth, social insurance number, national registration certificate (NRC) code or any combination thereof) Bank information (bank name, account number, etc.) and customer information (name, date of birth, sex) stored in the bank customer database 31 (for example, provided in the server) in association with the bank customer identification information , Address, phone number, e-mail address, etc.), and using the acquired information, create a two-dimensional or one-dimensional barcode information for opening an account that includes this information. A bank account opening certificate 200 (see FIG. 5) for executing an encoding process (including an encryption process, details will be described later) and for certifying that the customer to be supported has opened a bank account at the bank. 11) is executed with the barcode 201 attached. In this embodiment, as an example, a two-dimensional barcode having a large amount of information that can be transmitted, such as a QR code (registered trademark), is used. However, a one-dimensional barcode may be used, and more information is available. May be divided into a plurality of barcodes.

  In addition, the certificate printing means 22 includes the issuance time (year / month / day, time) or expiration date (year / month) in the barcode 201 together with bank information (account number of the bank account) and customer information (name, etc.). The process including date and time) is also performed. Accordingly, when the securities company reads the barcode 201 with the simple input system 50, it is determined whether or not the bank account opening certificate 200 is usable (valid) and cannot be used. Can be displayed on the screen to that effect.

  As shown in FIGS. 3, 6, and 7, the deposit request receiving means 23 sends a deposit request form 220 (refer to FIG. 11) to the bank account from the customer who requests the bank to deposit the securities account. A bar that reads a barcode 221 printed on a deposit request form 220 for a securities account using a barcode reader by operating a bank sales representative at a bank store terminal (not shown) when brought to the counter. A code reading process (including a decoding process, details will be described later) is executed (see steps S33, S84, and S118 in FIGS. 3, 6, and 7), and the bank account account number read from the bar code 221 is stored. Use the account number of the account, the account number of the securities company's representative account (for example, checking account), the deposit amount, the transfer date, etc. to start the transfer from the customer's bank account to the securities company's representative account And further transfer To After the completion, the completion notification of the deposit process, and executes a process of transmitting to the securities back system 80 via the network 1.

  Here, “deposit to a securities account” means that a customer transfers money from his / her bank account opened in a bank to his / her securities account opened in a securities company. The request to is a remittance from the bank account of the customer opened in the bank to the representative account of the securities company opened in the bank (for example, a checking account). The “process for starting the transfer” is a process for transferring information for remittance (transfer) to the deposit / withdrawal means 25 and causing the deposit / withdrawal means 25 to execute remittance (transfer).

  Further, as shown in FIG. 5, the deposit request acceptance means 23 receives the completed remittance (transfer) information from the bank account of the customer to the representative account of the securities company, that is, from the deposit / withdrawal means 25. The account number of the bank account, the account number of the securities account (information for the securities company to identify the customer), the account number of the representative account of the securities company opened in the bank (for example, the checking account), the actual Using this transfer amount (payment amount), transfer date, etc., barcode processing (including encryption processing) for creating two-dimensional or one-dimensional barcode information for payment completion notification including these pieces of information. The payment completion notification barcode 222 is different from the payment request barcode 221 already printed on the deposit request form 220 (see FIG. 11) to the securities account. To print at the position Also it performs. Note that the printing process of the payment completion notification barcode 222 (step S62 in FIG. 5) is not a process that is always executed, but is a notification of completion of the payment process via the network 1 centered on the Internet (step in FIG. 3). S35, S36, steps S86 and S87 in FIG. 6, steps S120 and S121 in FIG.

  At this time, simultaneously with the printing process of the deposit completion notification barcode 222, a process of blacking out the deposit request barcode 221 that has already been printed may be executed. Further, the amount related to the deposit request read from the deposit request barcode 221 and the actual transfer amount included in the deposit completion notification barcode 222 may not necessarily match. For example, an amount obtained by subtracting a bank fee from an amount related to a deposit request may be an actual transfer amount. In addition, the transfer amount may be changed at the bank's storefront. For example, if the balance of the customer's bank account is insufficient and the amount related to the deposit request cannot be withdrawn, It may be a transfer amount, and when the customer brings cash to the bank store, an amount obtained by adding the cash amount to the amount related to the deposit request may be used as the actual transfer amount.

  As shown in FIGS. 8, 9, and 10, the withdrawal request accepting means 24 is a withdrawal terminal 230 (see FIG. 10) using a bar code reader at the bank terminal (not shown) and operated by the person in charge of the bank. 11), each of the customer's bank accounts read from each bar code 231 is executed by executing a bar code reading process (including a decoding process, details will be described later). Transfer from the representative account of the securities company to the bank account of each customer using the account number of the securities company, the account number of the securities account, the account number of the representative account of the securities company (for example, checking account), withdrawal amount, transfer date, etc. The process which starts is performed.

  Here, when the withdrawal list 230 is printed by the securities company, the person in charge of the securities company brings the printed withdrawal list 230 to the bank. The barcode 231 in the withdrawal list 230 is read using a barcode reader. On the other hand, if the withdrawal list 230 is output as a file at a securities company and is not printed, the person in charge of the securities company However, since the file of the withdrawal list 230 is stored in a recording medium such as a USB memory, a CD, or a DVD and the recording medium is brought to the bank, the person in charge of the bank uses the withdrawal list 230 file to withdraw. The list 230 is printed by itself, and the barcode 231 in the printed withdrawal list 230 is read using a barcode reader.

  The “process for starting the transfer” is a process for transferring information for remittance (transfer) to the deposit / withdrawal means 25 and causing the deposit / withdrawal means 25 to execute remittance (transfer). At this time, the timing at which the depositing / withdrawing means 25 starts the remittance (transfer) process, every time the barcode 231 is read, the information read from the barcode 231 is immediately transferred to the depositing / withdrawing means 25 and transferred. Processing may be executed, or a section in which several barcodes 231 are gathered and all barcodes 231 belonging to one section are read and then all barcodes belonging to the section are read. The information read from H.231 may be collectively or sequentially transferred to the deposit / withdrawal unit 25, and all the transfer processes in the section may be executed. The latter section may be a section partitioned by the number of barcodes 231 such as five or ten barcodes 231 or the like, and one page of the withdrawal list 230 may be one section.

  Further, when the withdrawal request receiving means 24 proceeds with the process of starting reading and transferring in units of sections (for example, pages) as described above, an inspection barcode 232 (see FIG. 11) is included in the withdrawal list 230. When printing is performed at the bottom of each section (for example, page), after reading all withdrawal request barcodes 231 in each section (for example, page), further reading the inspection barcode 232, For a section (for example, a page), a process for determining whether or not to make the deposit / withdrawal means 25 start the transfer is executed. In this determination processing, the withdrawal request receiving means 24 reads the total number of withdrawal requests read from the withdrawal request barcode 231 in the section and the number of withdrawal request barcodes 231 in the section. Compare the amount of money with the total number of payments and the number of withdrawals read from the inspection barcode 232, and if they do not match, the screen display and / or warning sound By notifying the discrepancy by the output, a warning process is executed to prompt re-reading of the barcodes 231 for all withdrawal requests in the section. On the other hand, if they match, all transfers in the section are performed. Execute the process to start. At this time, the withdrawal request receiving means 24 reads the withdrawal request barcode 231 in the section one by one, and adds 1 to the number of withdrawal barcodes 231 read each time. You may perform a count process or a process of adding the read out amount each time and grasping the total amount by accumulating, or after reading all withdrawal request barcodes 231 in the section. Based on the information stored in the main memory, the total number of cases may be grasped and the total amount of each withdrawal amount may be calculated.

  Further, the withdrawal request receiving means 24, in each section (for example, page), is the account of the securities account for the customer who failed to transfer from the representative account of the securities company (for example, a checking account) to the customer's bank account. Execute barcode conversion processing (including encryption processing, details will be described later) to create two-dimensional or one-dimensional barcode information for withdrawal failure notification including the number, and for this withdrawal failure notification The barcode 233 (see FIG. 11) is placed in a position different from the positions of the withdrawal request and inspection barcodes 231 and 232 already printed in each section (eg, page) of the withdrawal list 230. A process for printing is also executed.

  The depositing / withdrawing means 25 is provided in, for example, a server, and the bank account of each customer opened in the bank, the representative account of the securities company (for example, the checking account), that is, all bank customers including the securities company (therefore, (Including bank customers who are not clients of securities companies)). Specifically, the deposit / withdrawal means 25 is a bank account (including a securities company) of each bank customer (including a securities company) stored in a bank account database 32 (for example, provided in a server) in association with the account number. Execute the process to increase or decrease the balance data of the securities company's representative account. The deposit / withdrawal means 25 and the bank account database 32 also perform deposit / withdrawal processing and balance storage associated with ordinary banking operations other than deposit / withdrawal according to the present invention, and have been installed in the bank system 20 from before. is there.

  The bank customer database 31 is provided in, for example, a server, and customer information (name, date of birth, sex, address, telephone number, e-mail) about each bank customer (including bank customers who are not customers of securities companies). Address, etc.) is stored in association with bank information (bank account branch name, account number, etc.). In the description of the present specification, when referring to the account number of a bank account, it may be referred to as including a financial institution (bank) code or a branch code. The same applies to the account number of the securities account.

  The bank account database 32 is provided in a server, for example, and stores balance data of bank accounts (including representative accounts of securities companies) of each bank customer (including securities companies) in association with the account numbers of the bank accounts. Is.

  The encryption key storage means 33 is provided in the terminal or server, and stores an encryption key (as described above, it may be a common key, or a public key or a secret key).

  The pattern storage unit 34 is provided in the terminal or the server, and stores pattern data drawn on the transparent sheet (for example, data of the continuous pattern 401 of the transparent sheet 400 in FIG. 20). When there are a plurality of transparent sheets, the data of each pattern is stored in association with the number of the transparent sheet. Note that the pattern data stored here is not image data but position data (coordinate data in the case of two dimensions) of black dots constituting the pattern.

  In the above, each of the means 21 to 25 included in the processing means 20A is a central processing unit (CPU) provided in each computer main body (server or terminal main body) constituting the bank system 20, and the CPU. It is realized by one or a plurality of programs that define the operation procedure.

  The databases 31 and 32 and the storage means 33 and 34 are preferably realized by, for example, a hard disk. However, as long as there is no problem in storage capacity, access speed, etc. It may be a recording medium.

  The securities company system 40 includes a simple input system 50, a securities front system 60, a securities back system 70, a terminal with a biometric authentication function (KIOSK terminal) 100, a biometric authentication system 110, and a person-in-charge terminal 120. These are configured and appropriately connected via an in-house network 2 such as an in-house LAN or an intranet.

  The simple input system 50 is configured by a computer having a terminal function. For example, an input unit such as a mouse or a keyboard, a display unit such as a liquid crystal display or a CRT display, a printing apparatus capable of barcode printing, a CCD or the like. It includes a barcode reader having imaging means and a biological information reading device such as a palm vein, fingerprint or iris. This simple input system 50 includes processing means 50A for executing support processing for securities business, encryption key storage means 56, pattern storage means 57, and usage pattern specifying information storage means 58 connected to the processing means 50A. Configured. The simple input system 50 is installed at each store of a securities company.

  The processing means 50A includes a setting means 51, an account opening procedure support means 52, a deposit procedure support means 53, a withdrawal procedure support means 54, and a pattern management means 55.

  The setting means 51 has the same function as the setting means 21 of the bank system 20 and accepts an input of setting of an encryption key by an operation of a securities company person in charge (a person in charge of the system but may be a sales person). A process for storing the encryption key in the encryption key storage means 56 and a process for receiving a pattern setting input and storing the pattern in the pattern storage means 57 are executed. In this embodiment, since both the securities company and the bank are both on the barcode printing side and the reading side, the encryption key and pattern to be stored are the same as those in the setting means 21 of the bank system 20. is there.

  As shown in FIGS. 2 and 3, the account opening procedure support means 52 performs securities account information registration processing, biometric information registration processing, and securities account opening application print processing as securities account opening procedures. It is something to execute. Specifically, the account opening procedure support means 52, as shown in FIG. 2, a bank customer who applies to a securities company for opening a securities account brings a bank account opening certificate 200 (see FIG. 11) to the securities company. At this time, as a registration process of securities account information, a barcode reading process (decoding process) is performed in which a barcode 201 printed on the bank account opening certificate 200 is read by a barcode reader by an operation of a sales representative at a securities company. And bank information (bank account branch name, deposit type, account number, etc.) and customer information (name, date of birth, gender, address, phone number) read from the bar code 201. , E-mail address, etc.) on the screen (see Fig. 12), after confirming the contents of the sales staff and customers of the brokerage firm, accepting supplementation and correction of the information displayed on the screen, Line information and customer information are transmitted to the securities account information registration means 82 of the securities back system 80 via the network 2, and the automatically numbered relevant information transmitted from the securities account information registration means 82 via the network 2 is transmitted. A process of receiving the account number of the customer's securities account and displaying the received account number of the securities account on the screen (see FIG. 12) is executed.

  Further, as shown in FIG. 2, the account opening procedure support means 52 accepts input of the account number and date of birth (birth date) of the securities account as biometric information registration processing, and further, palm vein from the reading device. And the biometric information such as fingerprint and iris are received, and the account number, date of birth (birth date) and biometric information of these securities accounts are transmitted to the biometric authentication system 110 via the network 2, and then the biometric information is sent. In order to confirm the registered contents of the biometric information in the authentication system 110, the birth date (birth date) and the input of biometric information are accepted, and these birth date (birth date) and biometric information are received via the network 2. A process of transmitting to the biometric authentication system 110, receiving the account number of the securities account transmitted from the biometric authentication system 110 via the network 2, and displaying the screen is executed. .

  Further, as shown in FIG. 3, the account opening procedure support means 52 accepts the input of the account number of the securities account as the printing process of the securities account opening application form. The customer's bank information (the account number of the bank account, etc., which is related to the account number of the securities account and sent to the securities back system 80 via the network 2 from the securities back system 80. 80 information stored in the bank information database 92) and customer information (name, etc., information stored in the customer database 91 of the securities back system 80 in association with the account number of the securities account), The received securities account information (bank information and personal information) is displayed on the screen, and the securities account opening application form 210 (Fig. It performs a process of printing one reference). At this time, the account opening procedure support means 52 prints the securities account opening application form 210 with a barcode 211 including management information such as the date and version of the application form. The account opening procedure support means 52 also prints a customer copy 215 with a temporary password for login, but does not attach a barcode 211 to the customer copy 215.

  As shown in FIGS. 3 and 6, the deposit procedure support means 53 responds to the request of the customer who performs the deposit procedure to the securities account by operating the sales staff of the brokerage firm, and the account of the securities account for the customer. The input of the number is accepted, the account number of the entered securities account is transmitted to the securities back system 80 via the network 2, and the customer's bank information (bank account) transmitted from the securities back system 80 via the network 2 is transmitted. Account information, etc., which is associated with the account number of the securities account and stored in the bank information database 92 of the securities back system 80) and customer information (name, etc.) and associated with the account number of the securities account. Information stored in the customer database 91 of the securities back system 80), and the received securities account information (bank information and personal information) is displayed on the screen. (Refer to FIG. 13) Accepts the input of the deposit amount of the customer who performs the deposit procedure to the securities account (the input operation is performed by the sales staff at the store of the securities company, but may be performed by the customer), the bank Two-dimensional or one-dimensional for deposit requests including account number of account, account number of securities account, account number of securities company's representative account opened at bank (for example, checking account), deposit amount, transfer date, etc. Execute barcode processing to create barcode information (including encryption processing, details will be described later), and request transfer from the bank account of the customer to the representative account of the securities company as a deposit procedure to the securities account A process of printing a deposit request form 220 (see FIG. 11) to the securities account with the barcode 221 attached is executed.

  In addition, in the deposit request form 220 to the securities account illustrated in FIG. 11, there is a description that it can be used only on the day of issue, but in the case of managing the validity / invalidity of the request form more broadly The deposit procedure support means 53 may perform a process of including an issue time (year / month / day, time) or an expiration date (year / month / day, time) in the barcode 221 together with the deposit amount. Thereby, when the bank side reads the barcode 221 by the bank system 20, it is determined whether or not the deposit request form 220 for the securities account is usable (valid), and cannot be used. Can be displayed on the screen to that effect.

  The processing by the deposit procedure support means 53 may be performed following the account opening procedure support processing by the account opening procedure support means 52, that is, on the same day as the account opening procedure (see FIG. 3) or may be performed at a later date ( (See FIG. 6). In the case of the former Fig. 3, since the identity verification has been completed for the account opening procedure, the identity verification is not performed again. However, in the latter case of Fig. 6, since the identity verification is required, The procedure support means 53 accepts the input of the birthday (date of birth) and biometric information, transmits these information to the biometric authentication system 110 via the network 2, and is transmitted from the biometric authentication system 110 via the network 2. The account number of the incoming securities account is received and displayed on the screen, and the salesperson at the store of the securities company confirms the identity, and then executes the process of inputting the account number of the securities account and transmitting it to the securities back system 80.

  Further, as shown in FIG. 4, the deposit procedure support means 53 sends a deposit request form 220 (see FIG. 11) to the securities account to which the transfer has been stamped by the customer or the person in charge of the bank at the store of the securities company. When it is brought, a barcode reading process (including a decoding process, which will be described later in detail) is performed to read the barcode 221 printed on the deposit request form 220, and the account number of the bank account read from the barcode 221, The account number of a securities account, the account number of a securities company's representative account (for example, a checking account), and the deposit amount (however, the actual transfer amount may be changed by the input of a securities company salesperson), A payment slip is created using the transfer date and the like, and processing for transmitting it to the securities back system 80 via the network 2 is executed (steps S51 and S52 in FIG. 4).

  Further, as shown in FIG. 5, the deposit procedure support means 53 receives a deposit request form 220 (see FIG. 11) to the securities account on which the barcode 222 for notification of deposit completion is printed by the customer or the person in charge of the bank. When brought to the store of a securities company, a barcode reading process (including a decoding process, including details of which will be described later) is executed to read the deposit completion notification barcode 222 printed on the deposit request form 220 for the securities account. The bank account number read from the bar code 222, the account number of the securities account, the account number of the representative account of the securities company (for example, the checking account), the actual transfer amount (payment amount), the transfer date, etc. are used. Thus, a deposit slip is created and transmitted to the securities back system 80 via the network 2 (see steps S63 and S64 in FIG. 5).

  As shown in FIG. 10, the withdrawal procedure support means 54 accepts the input of the withdrawal amount of the customer by the operation of the sales staff at the brokerage firm in response to the request of the customer who performs the withdrawal procedure from the securities account. The process is executed. Specifically, as shown in FIG. 10, the withdrawal procedure support means 54 accepts the input of a birthday (date of birth) and biometric information, and transmits these information to the biometric authentication system 110 via the network 2. Then, after receiving the account number of the securities account transmitted from the biometric authentication system 110 via the network 2 and displaying it on the screen, and confirming the identity of the sales staff of the securities company, the securities account for the customer The account number of the entered securities account is transmitted to the securities back system 80 via the network 2, and the customer's bank information (bank account) transmitted from the securities back system 80 via the network 2 is transmitted. Information stored in the bank information database 92 of the securities back system 80 in association with the account number of the securities account) Receives information (name, etc., information associated with the account number of the securities account and stored in the customer database 91 of the securities back system 80), and displays the received securities account information (bank information and customer information) on the screen Then, it accepts the input of the withdrawal amount of the customer who performs the withdrawal procedure from the securities account (the input operation is performed by the sales staff at the brokerage store of the securities company, but may be performed by the customer). A process of transmitting the money amount together with the account number of the securities account to the securities back system 80 via the network 2 is executed.

  In addition, the withdrawal procedure support means 54, when the person in charge of the bank brings the withdrawal list 230 (see FIG. 11) on which the barcode 233 for the withdrawal failure notice is printed to the store of the securities company, A barcode reading process (including a decoding process; details will be described later) for reading the barcode 233 printed on the gold list 230 is executed, and the information read from the barcode 233 (from the representative account of the securities company to the customer's bank account) The process of transmitting the securities account number of the customer who failed to transfer to the securities back system 80 via the network 2 is executed.

  The pattern management means 55 is the specific information stored in the use pattern specific information storage means 58 (specific information of the employed hole-piercing pattern, the transparent sheet number, and the vertical and horizontal shift amounts. ) Is used to determine whether or not the employed drilling pattern is concentrated on one or several predetermined patterns, and if so, the replacement of the transparent sheet is instructed. A warning display process is executed.

  Specifically, the pattern management means 55 accumulates the transparent sheet number and the vertical and horizontal shift amounts for the adopted hole punching pattern in the use pattern specifying information storage means 58 by the time of the determination. If a certain percentage or more (for example, 50% or more) of the total number of samples (samples for a predetermined period, samples since the previous warning display, etc.) has the same value, it will be prepared at the time of the determination. A process for determining that the pattern of the transparent sheet is biased is executed. Such a bias occurs, for example, when the next cut pattern is easily adopted by chance when moving from one cut pattern to the next cut pattern. The warning display processing by the pattern management means 55 can be performed in either case where the transparent sheet is fixed for a long period of time or when the transparent sheet is periodically replaced in order to improve the confidentiality of information.

  The encryption key storage means 56 stores an encryption key (as described above, a common key may be a public key or a secret key). In this embodiment, since both the securities company and the bank are both on the barcode printing side and the reading side, the encryption key to be stored is the same as in the encryption key storage means 33 of the bank system 20. is there.

  The pattern storage unit 57 stores data of a pattern drawn on the transparent sheet (for example, data of the continuous pattern 401 of the transparent sheet 400 in FIG. 20). When there are a plurality of transparent sheets, the data of each pattern is stored in association with the number of the transparent sheet. In this embodiment, since both the securities company and the bank are both on the barcode printing side and the reading side, the pattern to be stored is the same as that of the pattern storage unit 34 of the bank system 20.

  The use pattern specifying information storage means 58 accumulates and stores the transparent sheet number and the vertical and horizontal shift amounts of the adopted hole-piercing pattern together with the date of adoption. The adoption date is used when selecting a sample (population) for analysis in the processing by the pattern management means 55. In this embodiment, only the bar code created and printed by the deposit procedure support means 53 of the simple input system 50 is stored here. That is, the specific information of the pattern actually used in the hole punching processing in the barcode processing by the deposit procedure support means 53 (transparent sheet number, vertical and horizontal shift amounts for the pattern) is used as the deposit procedure. The support means 53 stores the usage pattern specifying information storage means 58. However, when the punching process is performed by the barcode processing by the deposit procedure support means 63 of the securities front system 60 or the withdrawal list creation means 85 of the securities back system 80, the specific information of the pattern used at that time is provided. The depositing procedure support unit 63 and the withdrawal list creation unit 85 may store the usage pattern specifying information storage unit. In this case, the usage pattern specifying information storage means need not be concentrated in one place (one computer), and may be distributed in a plurality of places (a plurality of computers). Further, not only in the securities company system 40 but also in the bank system 20, when the hole punching process is performed by the bar code processing by the certificate printing unit 22, the deposit request receiving unit 23, and the withdrawal request receiving unit 24. The certificate printing means 22, the deposit request accepting means 23, and the withdrawal request accepting means 24 may store the used pattern specifying information in the use pattern specifying information storage means. Also in this case, the usage pattern specifying information storage means need not be concentrated in one place (one computer), and may be distributed in a plurality of places (a plurality of computers).

  The securities front system 60 is composed of one or a plurality of computers. The securities front system 60 is a process for accepting a purchase order for a customer's financial products such as securities, and a process for placing the accepted order at an exchange (ordering via a dedicated line 3). Processing for transmitting data to the exchange system 140), processing for receiving contract data transmitted from the exchange system 140 via the dedicated line 3, processing for calculating the reserve capacity, etc. In addition to processing, it is a system for executing support processing for securities business according to the present invention. In FIG. 1, among these, the illustration mainly focusing on the portion that executes the support operation of the securities business according to the present invention is performed.

  The securities front system 60 includes processing means 60A for executing various processes related to normal securities business and support processes for securities business according to the present invention, a customer database 71 and a bank information database 72 connected to the processing means 60A. , A withdrawal database 73, an encryption key storage unit 74, and a pattern storage unit 75.

  The processing means 60A includes a setting means 61, a login accepting means 62, a deposit procedure support means 63, and a withdrawal procedure support means 64.

  The setting means 61 has the same function as the setting means 21 of the bank system 20 and the encryption key from the person-in-charge terminal 120 by the operation of the person in charge of the securities company (a person in charge of the system but may be a salesperson). A process for receiving a setting input and storing the encryption key in the encryption key storage means 74 and a process for receiving a pattern data setting input from the person-in-charge terminal 120 and storing the pattern in the pattern storage means 75 It is. In this embodiment, since both the securities company and the bank are both on the barcode printing side and the reading side, the encryption key and pattern to be stored are the same as those in the setting means 21 of the bank system 20. is there. When the encryption key storage unit 74 and the pattern storage unit 75 are replicated in a mirror state with the encryption key storage unit 94 and the pattern storage unit 95 of the stock back system 80, the setting unit 61 is installed. Can be omitted.

  The login accepting unit 62 performs processing when a customer login is received from the customer terminal 130 via the external network 1 (see steps S134 to S136 in FIG. 8), and the in-house network from the terminal 100 with the biometric authentication function. 2 is executed (refer to steps S108 and S109 in FIG. 7 and steps S158 and S159 in FIG. 9) when an automatic login performed via 2 is accepted.

  Specifically, when accepting login from the former customer terminal 130 (see FIG. 8), the login accepting means 62 receives the account number and password of the securities account transmitted from the customer terminal 130 via the network 1. And authenticate with a password (identity verification) using information in the customer database 71 (a dedicated authentication database may be set up) that stores the account number and password of the securities account in association with each other. The customer's securities account information (bank information and customer information) stored in the bank information database 72 and the customer database 71 in association with the account number of the securities account for the acquired customer is acquired, and the acquired securities account information is acquired. The customer terminal 130 via the network 1 together with the menu screen display data (Web data) To perform the processing to be sent.

  Further, when receiving the automatic login from the latter terminal 100 with the biometric authentication function (see FIGS. 7 and 9), the login accepting means 62 has already confirmed the identity of the terminal 100 with the biometric authentication function. The customer stored in the bank information database 72 and the customer database 71 in association with the received account number of the securities account is received from the terminal 100 with the authentication function via the network 2 and is received. The securities account information (bank information and customer information) is acquired and the acquired securities account information is transmitted to the terminal 100 with the biometric authentication function via the network 2.

  The deposit procedure support means 63 functions together with the deposit procedure support means 101 of the terminal 100 with the biometric authentication function, and constitutes a deposit procedure support means according to the present invention (see steps S113 to S115 in FIG. 7). Receive the account number of the securities account (the account number of the securities account for the customer who performs the deposit procedure to the securities account) and the deposit amount transmitted from the terminal 100 with the function via the network 2 (however, the account of the securities account) The number does not need to be received when it is received from the login acceptance means 62 that has executed the processing of steps S108 and S109 in FIG. 7.), The account number of the bank account, the account number of the securities account, and opened at the bank Two-dimensional or one-dimensional bar for deposit request including account number, deposit amount, transfer date, etc. of a representative account of a securities company (for example, checking account) Barcode processing (including encryption processing, details will be described later) for creating information on the barcode (the barcode 221 of the deposit request form 220 in FIG. 11) is executed, and the created barcode information (image data). In this state) is transmitted to the terminal 100 with the biometric authentication function via the network 2.

  When the withdrawal procedure support means 64 constitutes the withdrawal procedure support means according to the present invention by access via the network 1 from the customer terminal 130 (see step S140 in FIG. 8), the terminal 100 with biometric authentication function. The withdrawal procedure support means 102 functions as a withdrawal procedure support means according to the present invention (see step S163 in FIG. 9).

  Specifically, in the case of access from the former customer terminal 130 (see FIG. 8), the withdrawal procedure support means 64 is connected from the customer terminal 130 via the network 1 and the latter terminal with biometric authentication function. In the case of access from 100 (see FIG. 9), the account number of the securities account of the customer (customer performing withdrawal procedure from the securities account) transmitted from the terminal 100 with biometric authentication function via the network 2 and A process of receiving the withdrawal amount and storing the received withdrawal amount in the withdrawal database 73 in association with the account number of the customer's securities account is executed.

  The customer database 71 stores customer information such as name, date of birth, sex, address, telephone number, and e-mail address for each customer (customer of a securities company) in association with the account number of the securities company. . This customer database 71 is kept in a mirror state with the customer database 91 of the securities back system 80 by replication.

  The bank information database 72 stores information such as bank name, financial institution (bank) code, branch name, branch code, and account number for each bank account (customer of a securities company) used for depositing / withdrawing from / to a securities account. Bank information is stored in association with an account number of a securities company. This bank information database 72 is maintained in a mirror state with the bank information database 92 of the securities back system 80 by replication.

  The withdrawal database 73 stores the withdrawal amount for each customer (customer of a securities company) in association with the account number of the securities account of the customer. The data in the withdrawal database 73 is copied to the withdrawal database 93 of the securities back system 80 at a predetermined time (for example, 3:00 pm in the evening) (see FIGS. 8 and 9).

  The encryption key storage unit 74 stores an encryption key (which may be a common key, a public key, or a secret key as described above). This is the same as the encryption key storage means 56 of the simple input system 50. In this embodiment, since both the securities company and the bank are both on the barcode printing side and the reading side, the encryption key to be stored is the same as in the case of the encryption key storage means 33 of the bank system 20. It is the same.

  The pattern storage means 75 stores data of a pattern drawn on the transparent sheet (for example, data of the continuous pattern 401 of the transparent sheet 400 in FIG. 20). When there are a plurality of transparent sheets, the data of each pattern is stored in association with the number of the transparent sheet. This is the same as the pattern storage means 57 of the simple input system 50. In this embodiment, since both the securities company and the bank are both on the barcode printing side and the reading side, the pattern to be stored is the same as that of the pattern storage unit 34 of the bank system 20. is there.

  The securities back system 80 is constituted by one or a plurality of computers, and in addition to processing related to ordinary securities business such as settlement processing for trading orders of financial products such as customer securities, the securities according to the present invention. This system executes business support processing. In FIG. 1, among these, the illustration mainly focusing on the portion that executes the support operation of the securities business according to the present invention is performed.

  This securities back system 80 includes processing means 80A for executing various processes related to normal securities business and support services for securities business according to the present invention, a customer database 91 connected to the processing means 80A, and a bank information database 92. , A withdrawal database 93, an encryption key storage means 94, a pattern storage means 95, a withdrawal list storage means 96, and a securities account database 97.

  The processing unit 80A includes a setting unit 81, a securities account information registration unit 82, a securities account information search unit 83, a withdrawal procedure support unit 84, a withdrawal list creation unit 85, and a deposit / withdrawal unit 86. It is configured.

  The setting means 81 has the same function as the setting means 21 of the bank system 20 and the encryption key from the person in charge terminal 120 is operated by the person in charge of the securities company (a person in charge of the system but may be a salesperson). A process for receiving a setting input and storing the encryption key in the encryption key storage means 94 or a process for receiving a pattern data setting input from the person-in-charge terminal 120 and storing the pattern in the pattern storage means 95 It is. This is the same as the setting means 61 of the securities front system 60. In this embodiment, since both the securities company and the bank are both the barcode printing side and the reading side, the encryption key and the pattern to be stored are the same as those in the setting means 21 of the bank system 20. It is the same.

  The securities account information registration means 82 includes bank information (bank account branch name, deposit type, account number, etc.) of the customer (customer opening a securities account) transmitted from the simple input system 50 via the network 2 and the customer. Receives information (name, date of birth, gender, address, telephone number, e-mail address, etc.), automatically assigns and assigns the account number of the securities account to the customer, and automatically receives the received bank information. The bank information database 92 is stored in association with the account number of the numbered securities account, and the received customer information is stored in the customer database 91 in association with the account number of the automatically numbered securities account. A process for transmitting the account number of the securities account to the simplified input system 50 via the network 2 is executed (see steps S8 and S9 in FIG. 2).

  The securities account information search means 83 receives the account number of the securities account transmitted from the simple input system 50 via the network 2 and is stored in the bank information database 92 in association with the received account number of the securities account. Bank information (bank account branch name, deposit type, account number, etc.) and customer information (name, date of birth, gender, address, telephone number, e-mail address, etc.) stored in the customer database 91 Then, the process of transmitting the acquired securities account information (bank information and customer information) to the simple input system 50 via the network 2 is executed (steps S22, S23, S27, S28 in FIG. 3 and FIG. 6). Steps S78 and S79, see steps S178 and S179 in FIG. 10).

  The withdrawal procedure support means 84 constitutes the withdrawal procedure support means according to the present invention together with the withdrawal procedure support means 54 of the simple input system 50 and is transmitted from the simple input system 50 via the network 2. Receive the account number and withdrawal amount of the securities account of the coming customer (customer performing withdrawal procedure from the securities account), and store the received withdrawal amount in the withdrawal database 93 in association with the account number of the securities account of the customer (See step S183 in FIG. 10).

  The withdrawal list creation means 85 acquires the account number and withdrawal amount of each customer's securities account stored in the withdrawal database 93 at a predetermined time on the business day (for example, 3:00 pm in the evening). For each of the withdrawal procedures of each customer, the bank account account number of each customer stored in the bank information database 92 in association with the account number of each customer's securities account, the account number of each customer's securities account 2D or 1D barcode information for withdrawal requests including the account number of a representative account of a securities company established in a bank (for example, checking account), withdrawal amount of each customer, and transfer date The withdrawal list with the barcode 231 created for each withdrawal procedure of each customer performed on that day is executed. 230 Create a (see FIG. 11), in which either printed by the printing apparatus (not shown), or by file output executes the processing to be stored in the dispensing list storage unit 96.

  Further, the withdrawal list creation means 85 moves the barcode reader in an oblique direction without arranging the barcodes 231 created for each withdrawal procedure of each customer in a line in the vertical or horizontal direction. An oblique movement guide arrangement for realizing a continuous reading operation may be employed.

  Here, as shown in FIGS. 17 and 11, the oblique movement guiding arrangement is, for example, a staggered arrangement, a zigzag arrangement (alternate arrangement of two rows), a M-shaped arrangement, or a part thereof (indicated by a downward slanting diagonal line) If the number is less than 3) or extended (when the number of right-slanting diagonal lines is more than 3), or a part of the inverted half-letter shape (the number of left-slanting diagonal lines is complete) (When the number is less than three) and its expansion (when the number of slanted lines in the lower left direction is more than three), a V-shaped arrangement, an inverted V-shaped arrangement, a combination thereof, and the like.

  With these oblique movement guide arrangements, when the bar code reader performs a continuous reading operation from one bar code 231 to the next bar code 231, the vertical movement or the horizontal movement of the bar code reader occurs. It is not arranged. If not continuous, movement in the vertical direction or horizontal direction may be included, but more preferably, the barcode reader is arranged so that no vertical movement or horizontal movement occurs even once. It is good.

  Further, the withdrawal list creating means 85 includes the number of withdrawal request barcodes 231 attached to each section (for example, page) of the withdrawal list 230 (see FIG. 11) and the total amount of withdrawals. Each section of the withdrawal list 230 (see FIG. 11) is executed by executing a barcode conversion process (including an encryption process, details will be described later) for creating information on a two-dimensional or one-dimensional barcode for inspection. You may perform the process which attach | subjects the barcode 232 for a test | inspection to the lowest part (for example, page). In consideration of the trouble and timing of printing the withdrawal failure notification barcode 233 by the withdrawal request receiving means 24, or the entire work flow, one section is preferably one page.

  The deposit / withdrawal means 86 executes processing associated with the depositing procedure for the customer's securities account and processing associated with the withdrawal procedure from the securities account. Specifically, the deposit / withdrawal means 86 receives a deposit processing completion notification transmitted from the bank system 20 via the network 1 as a process associated with the deposit procedure for the securities account, and the securities company opens the bank. The current account (corresponding to the current account storage means not shown) corresponding to the balance of the representative account (current account) of the securities company in question is increased and stored in the securities account database 97. A process of increasing the balance data (deposit account from each customer) of each customer is executed (see step S36 in FIG. 3, step S87 in FIG. 6, and step S121 in FIG. 7). Furthermore, when the deposit / withdrawal means 86 receives a deposit slip transmitted from the simple input system 50 via the network 2, the deposit / withdrawal means 86 executes the same processing as the processing accompanying the deposit procedure to the securities account (FIG. 4). Step S53, see Step S65 of FIG. 5).

  Further, when the deposit / withdrawal means 86 receives the withdrawal amount data from the customer terminal 130 via the securities front system 60 (see FIG. 8) that has received the withdrawal amount via the network 1, When the withdrawal amount data is received via the securities front system 60 (see FIG. 9) that has received the withdrawal amount via the network 2, or when the withdrawal amount is received from the simple input system 50 via the network 2. (See FIG. 10) As a process associated with the withdrawal procedure from the securities account, a checking account corresponding to the balance of the representative account of the securities company established by the securities company in the bank (a current account) (not shown) Data stored in the deposit account storage means) and the balance data of each customer's securities account stored in the securities account database 97. To execute a process to reduce the (account balances from each customer).

  Further, the deposit / withdrawal means 86 receives information (from the representative account of the securities company from the representative account of the securities company) read from the barcode 233 for the withdrawal failure notification in the withdrawal list 230 (see FIG. 11) from the simple input system 50 via the network 2. When an account number of a customer who has failed to transfer to a bank account is transmitted, a process for canceling the withdrawal procedure from the customer's securities account is executed.

  The customer database 91 stores customer information such as name, date of birth, gender, address, telephone number, and e-mail address for each customer (customer of securities company) in association with the account number of the securities company. . This customer database 91 is maintained in a mirror state with the customer database 71 of the securities front system 60 by replication.

  The bank information database 92 includes a bank name, a financial institution (bank) code, a branch name, a branch code, an account number, and the like for a bank account used by each customer (customer of a securities company) for depositing / withdrawing from / to the securities account. Bank information is stored in association with an account number of a securities company. This bank information database 92 is maintained in a mirror state with the bank information database 72 of the securities front system 60 by replication.

  The withdrawal database 93 stores the withdrawal amount for each customer (customer of a securities company) in association with the account number of the securities account of the customer. Data of the withdrawal database 73 of the securities front system 60 is copied and added to the withdrawal database 93 at a predetermined time (for example, 3:00 pm in the evening) (see FIGS. 8 and 9).

  The encryption key storage means 94 stores an encryption key (as described above, it may be a common key, or a public key or a secret key). This is the same as the encryption key storage unit 56 of the simple input system 50 and the encryption key storage unit 74 of the securities front system 60. In this embodiment, since both the securities company and the bank are both on the barcode printing side and the reading side, the encryption key to be stored is the same as in the case of the encryption key storage means 33 of the bank system 20. It is the same.

  The pattern storage means 95 stores data of a pattern drawn on the transparent sheet (for example, data of the continuous pattern 401 of the transparent sheet 400 in FIG. 20). When there are a plurality of transparent sheets, the data of each pattern is stored in association with the number of the transparent sheet. This is the same as the pattern storage means 57 of the simple input system 50 and the pattern storage means 75 of the securities front system 60. In this embodiment, since both the securities company and the bank are both on the barcode printing side and the reading side, the pattern to be stored is the same as that of the pattern storage unit 34 of the bank system 20. is there.

  The withdrawal list storage means 96 stores the withdrawal list 230 (see FIG. 11) output as a file.

  The securities account database 97 stores the balance data of the securities account of each customer (customer of the securities company) in association with the account number of the securities account. Although illustration in FIG. 1 is omitted, the securities account database 97 is also provided with a mirrored securities account database in the securities front system 60 by replication.

  A terminal with biometric authentication function (KIOSK terminal) 100 is installed in a customer corner of a branch of a securities company, and is configured by a computer. For example, input means such as a touch panel and a keyboard, and a liquid crystal display, a CRT display, etc. Display means, a printing apparatus capable of barcode printing (it is not necessary to have a function for creating barcode information, and it is only necessary to print a barcode already in the state of image data), and a palm. And a reading device for biometric information such as veins, fingerprints and irises. The terminal 100 with the biometric authentication function includes a deposit procedure support means 101 and a withdrawal procedure support means 102.

  As shown in FIG. 7, the deposit procedure support means 101, together with the deposit procedure support means 63 of the securities front system 60, constitutes a deposit procedure support means according to the present invention. Specifically, the deposit procedure support means 101 accepts the input of a birthday (birth date) and biometric information by the operation of the customer himself who performs the deposit procedure to the securities account, and receives these information via the network 2. It transmits to the biometric authentication system 110, receives the account number of the securities account transmitted from the biometric authentication system 110 via the network 2, and receives the account number of the securities account for the customer via the network 2 as the securities front system. The customer's bank information (the account number of the bank account, etc., which is transmitted from the securities front system 60 via the network 2 and is associated with the account number of the securities account is sent to the securities front system 60. Information stored in the bank information database 72) and customer information (name, etc.) Information stored in the customer database 71 of the securities front system 60) and displaying a menu screen including the received securities account information (bank information and customer information), and depositing the securities account The input of the deposit amount by the operation of the customer who performs the procedure is accepted, and the entered deposit amount is transmitted to the securities front system 60 through the network 2 together with the account number of the securities account. Information on the barcode for the deposit request sent via (the image data state, the account number of the bank account, the account number of the securities account, the account number of the representative account of the securities company opened in the bank, Including the deposit amount, transfer date, etc.) and using the received barcode information, the customer's bank account as a deposit procedure to the securities account Luo payment request form 220 to brokerage accounts for requesting a transfer to the representative account brokerage (see FIG. 11), and executes the process of printing in a state marked with a bar code 221.

  As shown in FIG. 9, the withdrawal procedure support means 102, together with the withdrawal procedure support means 64 of the securities front system 60, constitutes a withdrawal procedure support means according to the present invention. Specifically, the withdrawal procedure support means 102 receives the input of the birthday (birth date) and biometric information by the operation of the customer himself who performs the withdrawal procedure from the securities account, and sends these information to the network 2. To the biometric authentication system 110, receive the account number of the securities account transmitted from the biometric authentication system 110 via the network 2, and receive the account number of the securities account for the customer via the network 2. The customer's bank information (account number of the bank account, etc., which is transmitted to the front system 60 and automatically logged in via the network 2 from the securities front system 60, and is linked to the account number of the securities account. Information stored in the bank information database 72 of the system 60) and customer information (name, etc., account number of securities account) Information stored in the customer database 71 of the securities front system 60) and displaying a menu screen including display of the received securities account information (bank information and customer information), and withdrawal from the securities account A process of receiving an input of the withdrawal amount by the operation of the customer who performs the procedure and transmitting the input withdrawal amount together with the account number of the securities account to the securities front system 60 through the network 2 is executed.

  The biometric authentication system 110 is configured by a computer and includes a biometric information registration unit 111, a biometric authentication unit 112, and a biometric information database 113.

  As shown in FIG. 2, the biometric information registration unit 111 uses biometric information such as palm veins, fingerprints, and irises transmitted from the simple input system 50 via the network 2 as the account number and date of birth (birth year). And the biometric information, the account number of the securities account, and the date of birth (birth date) are stored in the biometric information database 113 in association with each other.

  As shown in FIGS. 2, 6, 7, and 9, the biometric authentication unit 112 transmits a birthday (birth date) transmitted from the simple input system 50 or the terminal 100 with the biometric authentication function via the network 2. The biometric information is received, and the date of birth (date of birth) and the account number of the securities account associated with the biometric information and stored in the biometric information database 113 are obtained. A process of transmitting to the simple input system 50 and the terminal 100 with the biometric authentication function via the network 2 is executed.

  The biometric information database 113 stores biometric information such as palm veins, fingerprints, and irises, account numbers of securities accounts, and birthdays (dates of birth) in association with each customer (customer of a securities company).

  The person-in-charge terminal 120 is configured by a computer, for example, an input unit such as a mouse or a keyboard, a display unit such as a liquid crystal display or a CRT display, and a printing apparatus capable of barcode printing (a function for creating barcode information). Need only be able to print a bar code already in the state of image data.

  In the above, each means 51-55 included in the processing means 50A of the simple input system 50, each means 61-64 included in the processing means 60A of the securities front system 60, and each means included in the processing means 80A of the securities back system 80. 81 to 86, each means 101 and 102 of the terminal 100 with biometric authentication function, and each means 111 and 112 included in the processing means 110A of the biometric authentication system 110 are a simple input system 50, a securities front system 60, a securities back system 80, The terminal 100 with biometric authentication function, a central processing unit (CPU) provided inside each computer main body constituting the biometric authentication system 110, and one or a plurality of programs that define the operation procedure of the CPU. .

  Further, the storage means 56 to 58 of the simple input system 50, the databases 71 to 73 and the storage means 74 and 75 of the securities front system 60, the databases 91 to 93 and 97 of the securities back system 80, and the storage means 94 to 96, the biometric information database 113 of the biometric authentication system 110 is preferably realized by, for example, a hard disk or the like. However, as long as there is no problem in storage capacity, access speed, and the like, other recording media such as a flash memory, for example It may be.

  The customer terminal 130 is configured by a computer and includes an input unit such as a mouse and a keyboard and a display unit such as a liquid crystal display and a CRT display. Further, the customer terminal 130 may be a mobile device such as a mobile phone (including PHS), a personal digital assistant (PDA), and a tablet terminal.

  The exchange system 140 is configured by one or a plurality of computers and forms a market for financial products such as securities.

  <Details of encryption processing and decryption processing>

  The barcode processing of the present embodiment includes encryption processing for encrypting information included in the barcode using the encryption keys stored in the encryption key storage means 33, 56, 74, 94. Further, the barcode reading process of the present embodiment includes a decoding process for decoding information read from the barcode using the encryption key stored in the encryption key storage means 33 and 56. The encryption method is arbitrary, and for example, AES using a common key, DES (block cipher), RC4 (stream cipher), RSA using a public key, etc. can be adopted. The barcode processing and barcode reading processing of the present embodiment include processing in the following scenes.

  First, in step S3 of FIG. 2, there is a bar code conversion process for creating the information of the bar code 201 of the bank account opening certificate 200 (see FIG. 11) by the certificate printing means 22 of the bank system 20, and the encryption key storage means 33 The encryption process using the encryption key stored in is performed. On the other hand, there is a barcode reading process for reading the barcode 201 of the bank account opening certificate 200 by the account opening procedure support means 52 of the simple input system 50 in step S5 of FIG. 2, and the encryption key stored in the encryption key storage means 56 The decryption process using is performed.

  Next, in step S25 of FIG. 3, there is a barcode conversion process for creating the information of the barcode 211 of the securities account opening application form 210 (see FIG. 11) by the account opening procedure support means 52 of the simple input system 50. Encryption processing using the encryption key stored in the storage means 56 is performed. It should be noted that the barcode reading process and the decryption process for this barcode 211 are performed using the encryption key stored in the encryption key storage means 56 by the processing means 50A of the simple input system 50 when necessary for management. Done.

  In addition, the barcode conversion for creating the information of the barcode 221 of the deposit request form 220 (see FIG. 11) to the securities account by the deposit procedure support means 53 of the simple input system 50 in step S31 of FIG. 3 and step S82 of FIG. There is processing, and encryption processing using the encryption key stored in the encryption key storage means 56 is performed. On the other hand, there is a barcode reading process of reading the barcode 221 of the deposit request form 220 (see FIG. 11) to the securities account by the deposit request receiving means 23 of the bank system 20 in step S33 of FIG. 3 and step S84 of FIG. Decryption processing using the encryption key stored in the encryption key storage means 33 is performed.

  Further, there is a bar code conversion process for creating the information of the bar code 222 of the deposit request form 220 (see FIG. 11) to the securities account by the deposit request receiving means 23 of the bank system 20 in step S61 of FIG. Encryption processing using the encryption key stored in the means 33 is performed. On the other hand, there is a barcode reading process for reading the barcode 222 of the deposit request form 220 (see FIG. 11) to the securities account by the deposit procedure support means 53 of the simple input system 50 in step S63 of FIG. The decryption process using the encryption key stored in is performed.

  In step S114 of FIG. 7, there is a barcode conversion process for creating the information of the barcode 221 of the deposit request form 220 (see FIG. 11) to the securities account by the deposit procedure support means 63 of the securities front system 60. Encryption processing using the encryption key stored in the storage means 74 is performed. On the other hand, there is a barcode reading process for reading the barcode 221 of the deposit request form 220 (see FIG. 11) to the securities account by the deposit request receiving unit 23 of the bank system 20 in step S118 of FIG. Decryption processing using the stored encryption key is performed.

  Also, information on the barcodes 231 and 232 of the withdrawal list 230 (see FIG. 11) by the withdrawal list creation means 85 of the securities back system 80 in step S141 in FIG. 8, step S164 in FIG. 9, and step S184 in FIG. There is a barcode processing to be created, and encryption processing using the encryption key stored in the encryption key storage means 94 is performed. On the other hand, barcodes for reading the barcodes 231 and 232 of the withdrawal list 230 (see FIG. 11) by the withdrawal request receiving means 24 of the bank system 20 in step S143 in FIG. 8, step S166 in FIG. 9, and step S186 in FIG. There is a reading process, and a decryption process using the encryption key stored in the encryption key storage means 33 is performed.

  Further, a bar for creating information on the barcode 233 of the withdrawal list 230 (see FIG. 11) by the withdrawal request receiving means 24 of the bank system 20 in step S144 in FIG. 8, step S167 in FIG. 9, and step S187 in FIG. There is an encoding process, and an encryption process using the encryption key stored in the encryption key storage means 33 is performed. The barcode reading process and the decryption process for the barcode 233 are performed by the withdrawal procedure support means 54 of the simple input system 50 using the encryption key stored in the encryption key storage means 56.

  As shown in FIG. 14, a key selection type encryption process and a key selection type decryption process may be employed as the encryption process and the decryption process of the present embodiment. First, in the key selection type encryption process, one of a plurality of encryption keys stored in the encryption key storage means 33, 56, 74, 94 (here, for example, BBB) is used. Transmission information (for example, name, date of birth, bank account number, securities account number, representative account number of securities company established in the bank, deposit amount, withdrawal amount, transfer date, etc. (Information determined for each barcode) and the number of the used encryption key (BBB) (here, for example, 02) is set to a predetermined position (for example, the head position) of the barcode to be created. Included.

  Next, in the key selection type decryption process, the encryption key number (02) is read from the barcode, and the encryption key (BBB) corresponding to the read encryption key number (02) is obtained from the encryption key storage means 33, 56. Then, using the acquired encryption key (BBB), information (ciphertext) other than the encryption key number read from the barcode is decrypted and returned to plaintext transmission information.

  As shown in FIG. 15, double encryption processing (1) and double decryption processing (1) may be employed as the encryption processing and decryption processing of the present embodiment. First, in the double encryption process (1), plaintext is used by using the first encryption key (in this example, PPP) stored in the encryption key storage means 33, 56, 74, 94. The first encryption process for encrypting the transmission information is executed, and any one of the plurality of encryption keys for second encryption stored in the encryption key storage means 33, 56, 74, 94 (here Then, for example, BBB) is used to encrypt the information (first ciphertext) after the first encryption processing to form a second ciphertext, and the second encryption key used for encryption The number of (BBB) (here, for example, 02) is included in a predetermined position (for example, the head position) of the barcode to be created.

  Next, in the double decryption process (1), the second encryption key number (02) is read from the barcode, and the second encryption key number (02) corresponding to the read second encryption key number (02) is read. 2 The encryption key (BBB) for encryption is acquired from the encryption key storage means 33, 56, and the second encryption key read from the barcode is read using the acquired encryption key (BBB) for the second encryption. The first decryption process for decrypting the information (second ciphertext) after the second encryption process, which is a part other than the encryption key number (02), is executed, and further stored in the encryption key storage means 33 and 56 The second decryption process is executed by decrypting the information (first ciphertext) after the first decryption process and returning it to the plaintext transmission information using the first encryption key (PPP) for encryption.

  As shown in FIG. 16, double encryption processing (2) and double decryption processing (2) may be employed as the encryption processing and decryption processing of the present embodiment. First, in the double encryption process (2), one of a plurality of first encryption keys stored in the encryption key storage means 33, 56, 74, 94 (here, for example, BBB) .) Is used to encrypt the plaintext transmission information, and at the same time, a first encryption process is performed in which the number of the encryption key used for the first encryption (here, for example, 02) is included in the barcode. The information after the first encryption processing is executed using the encryption key for second encryption (here, PPP, for example) stored in the encryption key storage means 33, 56, 74, 94. A second encryption process is executed by encrypting the (first ciphertext) into a second ciphertext. Note that the second encryption process using the second encryption key (PPP) may be applied to the first encryption key number (02) used.

  Next, in the double decryption process (2), the second encrypted process read from the barcode using the second encryption key (PPP) stored in the encryption key storage means 33, 56 is used. The first decryption process for decrypting the information (second ciphertext) is executed, and the second encryption process is also performed on the number (02) portion of the encryption key for the first encryption. If this is the case, the first decryption process using the encryption key (PPP) for the second encryption is executed also for this part, and the number (02) of the encryption key for the first encryption is further executed. When the second encryption process has not been performed, the encryption key number (02) for the first encryption is read from the barcode, and the encryption key number (02) for the first encryption is read. When the second encryption process is performed, the first encryption password is obtained from the information after the first decryption process. The key number (02) is read, the first encryption key (BBB) corresponding to the read first encryption key number (02) is acquired from the encryption key storage means 33, 56, Using the acquired encryption key (BBB) for the first encryption, a second decryption process is executed for decrypting the information (first ciphertext) after the first decryption process and returning it to the plaintext transmission information.

  <Details of hole processing for information concealment>

  In the barcode processing and barcode reading processing of the present embodiment, the information confidentiality can be improved by performing the hole punching processing and the hole filling processing in addition to the information confidentiality by the encryption processing and decryption processing described above. . Since the hole punching process and the hole filling process are performed as one step of the bar code process and the bar code reading process as in the case of the encryption process and the decryption process, the bar code process for various bar codes is performed. Or a means for executing a barcode reading process. Information concealment can be achieved even if the hole punching process and the hole filling process are performed without performing the encryption process and the decryption process.

  First, a transparent sheet is prepared that is used as a reading aid to be placed on the barcode during the barcode reading process. This transparent sheet is used for punching and filling holes in which transparent or substantially transparent sheet-like members are scattered with rectangular black dots having the same shape and size as the cells that are the smallest unit of the black and white area constituting the barcode. It is formed by drawing a pattern. That is, for the pattern drawn on the transparent sheet, the pattern data is used in the hole punching process (processing by software) in the barcode processing, and the pattern (hardware) drawn on the transparent sheet is Used in the hole filling process before photographing in the barcode reading process. To put it simply, the hole is made with software and filled with hardware.

  The material of the sheet-like member is arbitrary, for example, plastic, glass, etc., and may have flexibility, but use a soft material that wrinkles, such as thin vinyl. In short, any material that is hard enough to maintain a planar shape when spread on a desk or table or the like may be used.

  Here, regarding the preparation of the transparent sheet, (A) a case where a plurality of transparent sheets depicting different patterns are prepared, and (B) a single transparent sheet depicting a continuous pattern having an area larger than the barcode. And (C) preparing a plurality of transparent sheets depicting different continuous patterns. In the present embodiment, description will be made centering on the case of (C).

  As shown in FIG. 20, a continuous pattern 401 is drawn on each transparent sheet 400. The continuous pattern 401 is generated by interspersing square black dots having the same shape and size as the cells. For example, when the barcode to be used is a QR code (registered trademark) having a size of 25 cells × 25 cells, the size of the continuous pattern 401 is set to an area larger than 25 cells × 25 cells. Then, a pattern is generated so that several black dots are included in the range of 25 cells × 25 cells cut out from the continuous pattern 401. For example, the entire continuous pattern 401 is divided into sections of an appropriate size such as 10 cells × 10 cells, and the coordinates therein are (X, Y), where X = 1 to 10 and Y = 1 to 10. If pseudo random numbers are generated several times and the positions of three black dots (2, 4), (9, 5), (3, 7) are determined, for example, 10 × 10 = 3 out of 100 cells in total Since it is possible to generate a pattern having a density that allows punching and filling of one cell, this process may be repeated for the entire continuous pattern 401. When changing the density of black dots, the number of pseudo random numbers generated in each section is adjusted. The density may be changed in one continuous pattern 401, but the continuous pattern 401 drawn on one transparent sheet 400 has a uniform density, and the density for each transparent sheet 400. For example, a plurality of transparent sheets 400 having a density of 3/100 are created, a plurality of transparent sheets 400 having a density of 4/100 are created, and a transparent sheet 400 having a density of 5/100 is produced. For example, creating a plurality of sheets.

  The transparent sheet 400 is provided with a vertical scale 402 and a horizontal scale 403 outside the continuous pattern 401. The step size of the vertical scale 402 matches the vertical width of the cell, and the step size of the horizontal scale 403 matches the horizontal width of the cell. The numerical values of the vertical scale 402 and the horizontal scale 403 correspond to the vertical and horizontal shift amounts of the cut pattern 404 cut out from the continuous pattern 401.

  FIG. 18 shows the flow of barcode processing / printing processing and barcode reading processing, and is a flow common to several types of barcodes. However, not all types of barcodes need to be punched for information concealment. For example, paper used only by securities firms and bank sales representatives and not in the hands of customers. Since the possibility of information leakage is relatively low for the bar code printed on, the drilling process may be omitted. Specifically, for example, the barcodes 231, 232, 233 and the like printed on the withdrawal list 230 (see FIG. 11) may omit the punching process.

  In FIG. 18, first, transmission information to be converted into barcodes is collected (step S201). For example, some information such as name, date of birth, bank account number, securities account number, representative account number of securities company established in bank, deposit amount, withdrawal amount, transfer date, etc. Are collected as transmission information determined according to the purpose of the barcode.

  Next, the plaintext transmission information is encrypted (step S202). Since this encryption processing has already been described in detail, the description thereof is omitted here.

  Subsequently, the information (ciphertext) after the encryption process is binarized, and a cell conversion process for arranging black and white cells is executed (step S203). This cell conversion process is the same as the cell conversion process (for example, the process described in Patent Document 1) that is normally performed when an existing barcode is created.

  Then, a hole punching process for information concealment is executed (step S204). The details are as shown in FIG.

  In FIG. 19, the data of the continuous pattern 401 for punching and filling holes drawn on the transparent sheet 400 (see FIG. 20) is stored in each pattern storage means 34, 57, 75, 95. The data 401 is read, and data having the same size as the size of the barcode to be used is cut out from the read continuous pattern 401 data to form a cut pattern 404 (step S2041).

  For example, when the barcode to be used is a QR code (registered trademark) having a size of 25 cells × 25 cells, the data P (X, Y) (X = 1 to 26 or more, Y = 1 to 1) of the continuous pattern 401 is used. 26 or more), the black and white data of 25 cells × 25 cells is cut out. Data P (X, Y) (X = 1 to 26 or more, Y = 1 to 26 or more) of the continuous pattern 401 is, for example, P (1,1) = 0 (white), P (2,1) = 1. (Black), P (3,1) = 0 (white), etc. In this example, P (2,1) is the position (coordinates) of the black point. Accordingly, data C (U, V) (U = 1 to 25, V = 1 to 25) of the cut pattern 404 is, for example, C (1, 1) = 0 (white), C (2, 1) = 1 (black), C (3, 1) = 0 (white), and the like.

  Initially, the relationship between P (X, Y) of the continuous pattern 401 and C (U, V) of the cut pattern 404, for example, C (1, 1) at the upper left is changed to P (1, 1) at the upper left. And start with C (1,1) = P (1,1). Accordingly, the first cut pattern 404 is C (U, V) = P (U, V) (U = 1 to 25, V = 1 to 25).

  Further, for example, C (1,1) at the upper left is made to match P (8,6) shifted by 5 cells in the vertical direction from P (1,1) at the upper left and by 7 cells in the horizontal direction. When C (1,1) = P (8,6), the cutting pattern 404 at that time is C (U, V) = P (U + 7, V + 5) (U = 1-25, V = 1 to 25).

  More generally, C (1,1) at the upper left is made to coincide with P (1 + ξ, 1 + η) shifted by η cells in the vertical direction from P (1,1) at the upper left and shifted by ξ cells in the horizontal direction. When C (1,1) = P (1 + ξ, 1 + η), the cutting pattern 404 at that time is C (U, V) = P (U + ξ, V + η) (U = 1 to 25, V = 1 to 25). The limit values of the shift amounts ξ and η are determined by the size of the continuous pattern 401.

  Subsequently, it is determined whether or not “a condition that all black dots (drilling positions) in the cut pattern 404 overlap with black cells among the arranged cells” is satisfied (step S2042). That is, if the arranged cell is D (M, N) (M = 1 to 25, N = 1 to 25), C (U, V) (U = 1 to 25, V = 1) of the cut pattern 404. ˜25), for coordinates where C (U, V) = 1 (black), it is determined whether D (M, N) of those coordinates is 1 (black). For example, if C (3,5) = 1 (black), it is determined whether D (3,5) = 1 (black). Then, this determination is executed for all coordinates where C (U, V) = 1 (black), and if D (M, N) = 1 (black) for all coordinates, the condition is satisfied. Will be satisfied. The reason for this determination is that for coordinates (drilling positions) where C (U, V) = 1 (black), D (M, N) of those coordinates is 0 (white). Since the cell at that coordinate is originally a white cell, it is not possible to perform drilling (reversal from black to white). In this state, when the transparent sheet 400 is covered when the barcode is read, This is because the cells that have not been opened are filled (inverted from white to black), resulting in more black cells than the original cell arrangement, and the cell arrangement cannot be restored. .

  Here, if it is determined that the condition that “all the black dots (drilling positions) in the cut pattern 404 overlap the black cells among the arranged cells” is not satisfied, the cut pattern 404 is It is shifted by one cell in the direction or the horizontal direction, or the continuous pattern 401 is exchanged (that is, the transparent sheet 400 is exchanged) (step S2043). For example, when it is determined for the first cut pattern 404 cut out as C (1,1) = P (1,1), the cell is shifted by one cell in the horizontal direction, and C (1,1) = P (2, 1). Accordingly, the next cut pattern 404 is C (U, V) = P (U + 1, V) (U = 1 to 25, V = 1 to 25). Similarly, when the cut pattern 404 cut out as C (1,1) = P (2,1) is determined, the pattern is further shifted by one cell in the horizontal direction, and C (1,1) = P (3, 1). In addition, when it becomes impossible to shift both in the vertical direction and in the horizontal direction, the transparent sheet 400 is replaced, and C (1, 1) in the upper left coincides with P (1, 1) in the upper left of the continuous pattern 401 after the replacement. Restart from where you want it to be.

  Thereafter, the processes in steps S2041 to S2043 are repeated until the above condition is satisfied. At this time, it is preferable to determine the success or failure of the conditions in order from the transparent sheet 400 in which the density of black dots is high, so that it becomes possible to perform drilling processing for more positions, and the confidentiality of information is increased. Can be increased. It should be noted that all the cutout patterns 404 that satisfy the above conditions are extracted (the order of determination of each transparent sheet 400 is not limited), and a pattern to be used as a hole punching pattern is arbitrarily or beforehand selected. Automatic selection may be performed based on a predetermined selection criterion, and a criterion for adopting the extracted cut pattern 404 having the highest density of black dots may be determined as the selection criterion.

  In addition, the barcode created by placing the cells in step S203 in FIG. 18 (barcode before being punched) includes special cells used for alignment and the like. When the hole should not be drilled, the position of such a cell is set as a predetermined non-processed area, and “all the black dots (drilling positions) in the cutting pattern 404 are arranged. "Condition that overlaps black cells among cells" is changed to "Condition that all black dots (perforation positions) in the cut pattern 404 overlap with black cells outside the non-processed region among the arranged cells". Change it.

  Note that (C) the case of preparing a plurality of transparent sheets 400 depicting different continuous patterns 401 is as described above, but (A) a plurality of sheets depicting different patterns (not continuous patterns). When preparing a transparent sheet, it is not possible to perform a process of shifting one cell at a time in the vertical or horizontal direction, so it is sufficient to replace the transparent sheet and repeat the determination of whether or not the above condition is satisfied. (B) When preparing one transparent sheet 400 on which a continuous pattern 401 is drawn, the transparent sheet cannot be exchanged. What is necessary is just to repeat the judgment whether conditions are satisfy | filled.

  On the other hand, if it is determined in step S2042 that “the condition that all black dots (drilling positions) in the cut pattern 404 overlap black cells among the arranged cells” is satisfied, The outgoing pattern 404 is employed as a hole punching pattern (step S2044).

  Subsequently, among the cells arranged in step S203 of FIG. 18, the cell at the black dot position (coordinate where C (U, V) = 1 (black)) of the adopted hole drilling pattern is black. Drilling processing for reversing from white to white is executed (step S2045). For example, if there are three black dots in the drilling pattern adopted and they are C (2,3) = C (4,8) = C (7,3) = 1 (black), Among the arranged cells D (M, N) (M = 1 to 25, N = 1 to 25), three cells D (2, 3), D (4, 8), and D (7, 3) A drilling process for reversing from 1 (black) to 0 (white) is executed.

  Then, the print data of the image of the cell arrangement after the punching process (dot data for the barcode image having the black and white cell arrangement), the number of the transparent sheet 400 (the number of the continuous pattern 401), and the cut pattern Print data (print data of numbers indicating numbers and shift amounts) for printing with the vertical and horizontal shift amounts 404 attached to the barcode is created (step S2046).

  Note that (C) when preparing a plurality of transparent sheets 400 depicting different continuous patterns 401, as described above, the number of the transparent sheet 400 (the number of the continuous pattern 401), the vertical direction of the cut pattern 404, and Since the horizontal shift amount becomes the specific information of the employed pattern for punching, print data of numbers indicating these numbers and shift amounts is created, but (A) different patterns (not continuous patterns). In the case of preparing a plurality of transparent sheets on which is drawn, since there is no shift amount in the vertical direction or the horizontal direction, print data of numbers indicating the numbers of the transparent sheets is created, and (B) a continuous pattern 401 is drawn When one transparent sheet 400 is prepared, since there is no transparent sheet number, print data of numbers indicating the amount of shift in the vertical direction or the horizontal direction is created.

  In FIG. 18, a barcode 241 (see FIG. 20) composed of black and white cells after punching is printed on various types of paper 240, and in the vicinity of the barcode 241 (lower side in the example of FIG. 20). Then, as the identification information 242 of the adopted pattern for punching, a number indicating the number of the transparent sheet 400 and the shift amount in the vertical and horizontal directions is printed (step S205). Here, the sheet 240 and the barcode 241 collectively indicate various sheets and barcodes described in the present embodiment. In the example of FIG. 20, the specific information 242 is transparent sheet 400 number = 13, vertical shift amount = 86, and horizontal shift amount = 36.

  Thereafter, after the paper 240 is moved between the bank and the securities company by bringing a customer or a securities company representative, etc., the securities company system 40 or the bank system 20 reads the barcode 241 printed on the paper 240. Start.

  That is, first, the hole filling process is performed using the transparent sheet 400 (see FIG. 20), and the barcode state is restored to the black and white cell arrangement before the hole punching process (cell arrangement in step S203 in FIG. 18). Specifically, a salesperson at a securities company or a bank store visually grasps the specific information 242 (see FIG. 20) in the vicinity of the barcode 241 printed on the brought-in paper 240. Then, the transparent sheet 400 corresponding to the grasped number is prepared at hand. An alignment reference line 243 is printed on the paper 240 at a position fixed relative to the printing position of the barcode 241. The salesperson places the transparent sheet 400 prepared at hand on the paper 240 on which the barcode 241 is printed. Subsequently, the salesperson shifts the vertical and horizontal shift amounts of the specific information 242 visually grasped among the numerical values of the vertical scale 402 and the horizontal scale 403 of the transparent sheet 400 while shifting the stacked transparent sheets 400. The position of the numerical value corresponding to is matched with the alignment reference line 243 of the paper 240. In this state, due to the black dots of the cut pattern 404 employed in the continuous pattern 401 of the transparent sheet 400, the perforated cell (white cell) of the barcode 241 printed on the paper 240 is filled ( Inverted from white to black). Then, the salesperson captures an image of the barcode 241 in a state where the hole is filled with the transparent sheet 400 using a barcode reader having an imaging means such as a CCD (step S206).

  Subsequently, the black and white discrimination process of the cell is executed by using the image data of the barcode 241 captured by the barcode reader (step S207). This cell black-and-white discrimination process is the same as the cell black-and-white discrimination process (for example, the process described in Patent Document 1) that is commonly performed when reading an existing barcode.

  Then, using the result of cell black and white discrimination, a decryption process is performed to convert the information into encrypted transmission information (transmission information in ciphertext state) (step S208). This decoding process is also the same as the decoding process associated with the existing bar code reading that is normally performed.

  Further, a decryption process is performed to return the ciphertext state transmission information back to the plaintext transmission information (step S209). Since this decoding process has already been described in detail, the description thereof is omitted here.

  <Other image processing for information concealment>

  In place of the above-described hole punching process and hole filling process (a process involving a hole filling process using the transparent sheet 400), the following image processing process and image returning process may be performed.

  For example, the data area portion of the barcode image is divided into several sections, and rearrangement such as replacement and rotation is executed for the images in each section. Specifically, when the upper right, the lower right, the upper left, and the lower left are divided into four sections, for example, the upper right and the lower left are replaced, and the lower right and the upper left are replaced, or the upper right is changed to the lower right. In addition, it is possible to execute a rotation rearrangement that moves the lower right to the lower left, the lower left to the upper left, and the upper left to the upper right. If the rules for rearrangement in such barcode processing are fixed, even in the barcode reading processing, processing for returning the layout to the original can be executed according to a rule obtained by reversing the rules. Further, even when the rearrangement rule is changed each time, the specific information (rule number or the like) of the adopted rule is changed as in the case of the specific information 242 (see FIG. 20) in the hole punching process and the hole filling process described above. If printing is performed in the vicinity of the bar code 241, it is possible to execute processing for returning the arrangement to the original state by bar code reading processing.

  Further, the replacement such as replacement and rotation as described above may be performed in units of cells instead of in units of partitions. For example, data of D (5, 10) and D (3, 8) is replaced. Can be rearranged.

  Further, the cell black-and-white reversal processing corresponding to the above-described hole punching processing may be executed. For example, three types of D (2, 2), D (4, 5), and D (12, 21) may be performed. For example, black-and-white inversion processing for a cell. Since the hole punching process described above is based on the premise of hardware hole filling (reversal from white to black) by the transparent sheet 400, only reversal from black to white (drilling) is performed. Therefore, not only the reversal from black to white but also the reversal process from white to black may be performed. The position (coordinates) and the number of cells to be reversed in black and white may be fixed or may be changed. In the case of changing, specific information 242 in the above-described drilling process and hole filling process (see FIG. 20). In the same manner as in the case of (), the position information (coordinates) and the number of specific information (the rule number or the data of the coordinates itself) of the cell to be reversed in black and white may be printed in the vicinity of the barcode 241.

  Further, the data area portion of the barcode image may be divided into several sections, and the image of each section may be included in a separate barcode and printed. Specifically, for example, when the image is divided into upper right, lower right, upper left, and lower left four sections, the barcode includes only the image of the upper right section (therefore, the other three sections are white), A total of four barcodes are printed: a barcode including only the image in the lower right section, a barcode including only the image in the upper left section, and a barcode including only the image in the lower left section. On the other hand, in the barcode reading process, after these four barcodes are read continuously, an image return process is performed in which the four images are combined (combined) by software and returned to one image in a state before division. .

  Further, the above-described divided image processing processing and composite (merging) image return processing may be executed not in units of partitions but in units of cells. For example, for each cell D (M, N), M + N is Divide by even number of cells (eg D (1,1), D (2,2) etc.) and odd number of cells (eg D (1,2), D (2,1) etc.) And may be combined (combined) at the time of reading. In this case, a total of two barcodes, that is, a barcode including only cells in which M + N is an even number and a barcode including only cells in which M + N is an odd number are printed. In the barcode including only the cells where M + N is an even number (there are both white cells and black cells), the positions of the cells where M + N is an odd number are all white.

  <Details of support flow for securities business>

  In this embodiment, the securities business support system 10 performs the security business support processing (securities account opening procedure and the same day deposit procedure support processing, later payment procedure support processing, (Procedure for supporting gold procedures).

  <Flow for opening a securities account and depositing on the same day>

  In FIG. 2, the person in charge of the bank (a person in charge of the system but may be a salesperson) operates a terminal in the bank (not shown), for example, inputs and sets an encryption key received from a securities company, The encryption key is stored in the encryption key storage means 33 (step S1). Further, the person in charge of the bank performs setting input of data of a pattern (for example, a continuous pattern 401 of a plurality of transparent sheets 400) received from a securities company, for example, and causes the pattern storage unit 34 to store the pattern. The setting input of these encryption keys and patterns is accepted by the setting means 21 of the bank system 20. In the same way, the setting of the encryption key and the pattern is also performed on the securities company system 40 side, but the illustration is omitted.

  Subsequently, when a customer to be supported (in this case, a bank customer) who opens a securities account visits the bank, the bank salesperson operates the terminal at a bank store terminal (not shown). The account number of the bank account or other bank customer identification information (for example, any name or date of birth, social insurance number, national registration certificate (NRC) code, etc., or a combination) is input (step S2). . The designation input of the customer to be supported is accepted by the certificate printing means 22 of the bank system 20.

  Then, in the bank system 20, the certificate printing means 22 stores the bank information (the bank name of the bank account, the account) associated with the received bank customer identification information (such as the account number of the bank account) and stored in the bank customer database 31. Number, etc.) and customer information (name, date of birth, gender, address, telephone number, e-mail address, etc.), and using the acquired information, two-dimensional or one-dimensional for opening an account containing these information The barcode conversion process (including the encryption process) for creating the barcode information is executed (step S3).

  Further, the certificate printing means 22 adds a bar code 201 to the bank account opening certificate 200 (see FIG. 11) for the bank to prove that the customer to be supported has opened a bank account at the bank. Printing is performed in the state (step S4).

  Then, the customer brings the bank account opening certificate 200 with the barcode 201 delivered from the salesperson at the bank store to the store of the securities company.

  Thereafter, when a bank customer who applies to a securities company for opening a securities account brings the bank account opening certificate 200 (see FIG. 11) to the securities company, the securities company system 40 opens the account of the simple input system 50. A bar code reading process (including a decoding process) for reading the bar code 201 printed on the bank account opening certificate 200 by the bar code reader is executed by the procedure support means 52 by an operation of a salesperson at a securities company store. (Step S5).

  Subsequently, the bank information (bank account branch name, deposit type, account number, etc.) and customer information (name, date of birth, gender, address, telephone number, etc.) read from the barcode 201 by the account opening procedure support means 52 E-mail address or the like) is displayed on the screen (see FIG. 12), and after the contents of the sales staff and customers of the securities company are confirmed, supplementation or correction of information displayed on the screen is accepted (step S6).

  In FIG. 12, the securities account information registration screen 300 includes a securities account account number display unit 301, a display unit for displaying other information such as a name, and a “register” button 302 for executing registration of the securities account information. And are provided.

  Then, when the salesperson of the securities company clicks the “Register” button 302, the bank information and the customer information after the replenishment and correction by the account opening procedure support means 52 are transferred to the securities back system 80 via the network 2. It is transmitted (step S7).

  In the securities back system 80, bank information (bank name of bank account, deposit type, bank information) of a customer (customer who opens a securities account) transmitted from the simple input system 50 via the network 2 by the securities account information registration means 82. (Account number, etc.) and customer information (name, date of birth, gender, address, telephone number, e-mail address, etc.) are received, and the account number of the securities account is automatically assigned to the customer and received. The bank information is stored in the bank information database 92 in association with the account number of the automatically assigned securities account, and the received customer information is stored in the customer database 91 in association with the account number of the automatically assigned securities account. (Step S8) Further, the account number of the securities account automatically numbered by the securities account information registration means 82 is simply input via the network 2. And it transmits to the stem 50 (step S9).

  In the simple input system 50, the account opening procedure support means 52 receives the account number of the securities account of the customer that is automatically numbered transmitted from the securities back system 80 via the network 2, and the received account number of the securities account is received. The account number is displayed on the display unit 301 of the securities account information registration screen 300 of FIG. 12 (step S10).

  Subsequently, in order to perform biometric information registration processing, the account opening procedure support means 52 accepts the input of the account number and date of birth (date of birth) of the securities account (step S11), and further, the palm from the reading device. Accepts input of biometric information such as veins, fingerprints and irises (step S12), and transmits the account number, date of birth (date of birth), and biometric information of these securities accounts to the biometric authentication system 110 via the network 2. (Step S13).

  In the biometric authentication system 110, the biometric information registration unit 111 converts the biometric information such as palm vein, fingerprint, and iris transmitted from the simple input system 50 via the network 2 into the account number and date of birth (birth date). The biometric information, the account number of the securities account, and the date of birth (date of birth) are associated with each other and stored in the biometric information database 113 (step S14).

  Thereafter, in the simple input system 50, in order to confirm the registered content of the biometric information in the biometric authentication system 110, the account opening procedure support means 52 accepts the input of the birthday (date of birth) (step S15), and further The input of biometric information is accepted (step S16), and these birthday (birth date) and biometric information are transmitted to the biometric authentication system 110 via the network 2 (step S17).

  In the biometric authentication system 110, the biometric authentication unit 112 receives the birthday (birth date) and biometric information transmitted from the simple input system 50 via the network 2, and the birth date (birth date) and The account number of the securities account associated with the biometric information and stored in the biometric information database 113 is acquired (step S18), and the acquired account number of the securities account is transmitted to the simple input system 50 via the network 2 ( Step S19).

  In the simple input system 50, the account opening procedure support means 52 receives the account number of the securities account transmitted from the biometric authentication system 110 via the network 2 and displays it on the screen (step S20).

  In FIG. 3, the account opening procedure support means 52 accepts the input of the account number of the securities account in order to perform the printing process of the securities account opening application, and the entered account number of the securities account is received via the network 2. It transmits to the securities back system 80 (step S21).

  In the securities back system 80, the securities account information search means 83 receives the account number of the securities account transmitted from the simple input system 50 via the network 2, and the bank information is associated with the received account number of the securities account. Bank information (bank account branch name, deposit type, account number, etc.) stored in database 92 and customer information (name, date of birth, gender, address, telephone number, e-mail) stored in customer database 91 (Address etc.) is acquired (step S22), and the acquired securities account information (bank information and customer information) is transmitted to the simple input system 50 via the network 2 (step S23).

  In the simple input system 50, the account opening procedure support means 52 receives the customer's bank information (bank account number etc.) and customer information (name etc.) transmitted from the securities back system 80 via the network 2. The received securities account information (bank information and personal information) is displayed on the screen (step S24).

  Subsequently, the account opening procedure support means 52 prints the securities account opening application form 210 (see FIG. 11) using the securities account information (step S25). At this time, the account opening procedure support means 52 prints the securities account opening application form 210 with a barcode 211 including management information such as the date and version of the application form. Then, after having the customer confirm the contents, the salesperson of the securities company gets a signature and stores the securities account opening application form 210 in the securities company. The account opening procedure support means 52 also prints a customer copy 215 with a temporary password for login, but does not attach the barcode 211 to the customer copy 215. The salesperson of the securities company returns the bank account opening certificate 200 (see FIG. 11) to the customer after the barcode 201 is painted.

  Subsequently, the deposit procedure support means 53 displays the deposit screen 310 to the securities account of FIG. In FIG. 13, the deposit screen 310 for the securities account includes an input section 311 for the account number of the securities account, an “acquire bank account data” button 312, an input section 313 for the deposit amount, and “create deposit request form”. ”Button 314.

  Then, on the deposit screen 310 to the securities account of FIG. 13, the salesperson at the brokerage firm stores the account number of the customer's securities account in the input unit 311 in response to the customer's request for depositing into the securities account. After inputting, when the “acquire bank account data” button 312 is clicked, the deposit procedure support means 53 transmits the account number of the entered securities account to the securities back system 80 via the network 2 (step). S26).

  In the securities back system 80, the securities account information search means 83 receives the account number of the securities account transmitted from the simple input system 50 via the network 2, and the bank information is associated with the received account number of the securities account. Obtain bank information (branch name of bank account, deposit type, account number, etc.) stored in the database 92 and customer information (name, etc.) stored in the customer database 91 (step S27) and obtain the securities account Information (bank information and customer information) is transmitted to the simple input system 50 via the network 2 (step S28).

  In the simple input system 50, the deposit procedure support means 53 receives the customer's bank information (bank account number etc.) and customer information (name etc.) transmitted from the securities back system 80 via the network 2, The received securities account information (bank information and personal information) is displayed on the deposit screen 310 to the securities account in FIG. 13 (step S29).

  Subsequently, on the deposit screen 310 to the securities account of FIG. 13, after the salesperson at the securities company's store inputs the deposit amount to the input unit 313 according to the customer's request (step S30), the “deposit request form” When the “Create” button 314 is clicked, the deposit procedure support means 53 causes the account number of the bank account, the account number of the securities account, the account number of the representative account of the securities company established in the bank (for example, the checking account), A barcode conversion process (including an encryption process) for creating two-dimensional or one-dimensional barcode information for deposit request including the amount, transfer date, etc. is executed (step S31), and further, a deposit procedure support means 53, the deposit request form 220 (refer to FIG. 11) to the securities account for requesting the transfer from the bank account of the customer to the representative account of the securities company as the deposit procedure to the securities account is converted into the barcode 2 It is printed in a state marked with 1 (step S32).

  Then, the customer brings the deposit request form 220 to the securities account with the barcode 221 delivered from the sales staff of the brokerage company to the bank store.

  After that, when a customer who makes a deposit request to the securities account to the bank brings a deposit request form 220 (see FIG. 11) to the securities account to the bank window, the bank system 20 uses the deposit request accepting means 23. A bar code reading process (decoding process) for reading the bar code 221 printed on the deposit request form 220 to the securities account using a bar code reader by operating a bank store front terminal (not shown). Are included) (step S33).

  Subsequently, in order to start the transfer (payment) from the customer's bank account to the representative account of the securities company by the deposit request receiving means 23, the account number of the bank account, the account number of the securities account, read from the barcode 221. Information such as the account number, deposit amount, and transfer date of a representative account of a securities company (for example, a checking account) is delivered to the deposit / withdrawal means 25 (step S34). And the transfer (payment) process by the deposit / withdrawal means 25 is executed.

  At this time, the deposit amount may be changed at a bank store. For example, if the balance of the customer's bank account is insufficient and the amount related to the deposit request cannot be withdrawn, the amount within the range that can be withdrawn may be used as the actual transfer amount (payment amount). When cash is brought, an amount obtained by adding the amount of cash to the amount related to the deposit request may be set as an actual transfer amount (deposit amount).

  Further, when the completed remittance (transfer) information is received from the deposit / withdrawal means 25 by the deposit request receiving means 23, the transfer information (bank account account number, securities account number, securities opened in the bank) A notice of completion of the deposit process including the company representative account number, actual transfer amount, transfer date, etc.) is transmitted to the securities back system 80 via the network 1 (step S35). Note that alternative processing is prepared as shown in FIGS. 4 and 5 in preparation for the case where notification via the network 1 centering on the Internet cannot be performed.

  In the securities back system 80, the deposit / withdrawal means 86 receives the notification of completion of the deposit processing transmitted from the bank system 20 via the network 1, and the representative account of the securities company opened in the bank by the securities company (the current account) The current account corresponding to the balance of the deposit account (data stored in the current account storage means not shown) is increased, and the balance data of each customer's securities account stored in the securities account database 97 ( The deposit account from each customer is increased (step S36).

  In FIG. 4, when the payment processing completion notification (steps S <b> 35 and S <b> 36) cannot be performed via the network 1 of FIG. 3, as a first alternative process, the bank salesperson sends the securities account to the securities account. The transfer code is pressed on the deposit request form 220 to the securities account without painting the barcode 221 printed on the deposit request form 220 (see FIG. 11). Then, the customer or the bank sales person brings the deposit request form 220 to the securities account with the stamp of transfer transferred to the store of the securities company and carries it.

  When a securities company receives a deposit request form 220 for a securities account with a transfer stamp, a securities company sales representative uses a representative account of the securities company established at the bank (via the Internet or telephone). Check the increase or decrease of the current account balance. After the confirmation, in the securities company system 40, the barcode 221 printed on the deposit request form 220 to the securities account is operated by the depositing procedure support means 53 of the simple input system 50 by the operation of the salesperson of the securities company. Is read (including the decryption process) (step S51), and the bank account number read from the bar code 221, the account number of the securities account, the representative account of the securities company (for example, a checking account) ) Is used to create a deposit slip and transmits it to the securities back system 80 via the network 2 (step S52).

  The sales staff of a securities company confirms the increase or decrease in the balance of the representative account of a securities company established at a bank (for example, a checking account), and grasps the actual transfer amount (payment amount). If the transfer amount does not match the amount associated with the deposit request read from the deposit request barcode 221, the securities company sales representative enters the actual transfer amount (deposit amount) and deposits This is accepted by the procedure support means 53. Then, the deposit procedure support means 53 creates a deposit slip using the actual transfer amount, not the deposit amount read from the deposit request barcode 221 (the amount associated with the deposit request).

  In the securities back system 80, the deposit / withdrawal means 86 receives the deposit slip transmitted from the simple input system 50 via the network 2, and the representative account of the securities company opened in the bank by the securities company (the current account) The account amount corresponding to the balance of the account) (data stored in the current account storage means not shown) is increased, and the balance data (each customer) of each customer stored in the securities account database 97 The deposit account) is increased (step S53).

  In FIG. 5, when the payment processing completion notification (steps S 35 and S 36) cannot be performed via the network 1 of FIG. When the transfer from the bank account to the representative account of the securities company is completed, that is, when the completed transfer (transfer) information is received from the deposit / withdrawal means 25, the account number of the bank account, the account number of the securities account, Using the account number of the representative account of the established securities company (for example, checking account), the actual transfer amount, the transfer date, etc., a 2D or 1D barcode for payment completion notification including this information Barcode processing (including encryption processing) for creating information is executed (step S61).

  Subsequently, the deposit request notification means 23 separates the deposit completion notification barcode 222 from the deposit request barcode 221 of the deposit request form 220 (see FIG. 11) to the securities account. Is printed at the position (step S62).

  At this time, the amount related to the deposit request read from the deposit request barcode 221 in step S33 of FIG. 3 and the actual transfer amount included in the deposit completion notification barcode 222 printed in step S62 are as follows. , It does not necessarily have to match.

  Then, the customer or the bank sales employee brings the deposit request form 220 to the securities account printed with the deposit completion notification barcode 222 to the store of the securities company and carries it.

  In the securities company system 40, the barcode reading process (decoding) for reading the barcode 222 printed on the deposit request form 220 to the securities account by the operation of a securities company salesperson by the deposit procedure support means 53 of the simple input system 50. Including the processing) (step S63), the bank account number read from the bar code 222, the account number of the securities account, the account number of the representative account of the securities company (for example, the checking account), the actual transfer A deposit slip is created using the amount (payment amount), transfer date, etc., and transmitted to the securities back system 80 via the network 2 (step S64).

  In the securities back system 80, the deposit / withdrawal means 86 receives the deposit slip transmitted from the simple input system 50 via the network 2, and the representative account of the securities company opened in the bank by the securities company (the current account) The account amount corresponding to the balance of the account) (data stored in the current account storage means not shown) is increased, and the balance data (each customer) of each customer stored in the securities account database 97 The deposit account) is increased (step S65).

  <Flow of payment procedure at a later date: When a sales representative accepts sales at a securities company store>

  In FIG. 6, by the operation of a salesperson at a securities company store, the payment procedure support means 53 of the simple input system 50 accepts the input of the birthday (birth date) of the customer who performs the payment procedure (step S71), and The input of biometric information is accepted (step S72), and the information is transmitted to the biometric authentication system 110 via the network 2 (step S73).

  In the biometric authentication system 110, the biometric authentication unit 112 receives the birthday (birth date) and biometric information transmitted from the simple input system 50 via the network 2, and the birth date (birth date) and The account number of the securities account associated with the biometric information and stored in the biometric information database 113 is acquired (step S74), and the acquired account number of the securities account is transmitted to the simple input system 50 via the network 2 ( Step S75).

  In the simple input system 50, the deposit procedure support means 53 receives the account number of the securities account transmitted from the biometric authentication system 110 via the network 2 and displays it on the screen (step S76). As a result, a salesperson at a securities company store verifies the identity of the customer.

  The subsequent processing of steps S77 to S87 is the same as the processing of steps S26 to S36 of FIG. 3 described above.

  <Flow of Payment Procedure at a Later Date: When Performed by Customer's Operation Using Biometric Authentication Function-equipped Terminal (KIOSK Terminal) 100>

  In FIG. 6, the customer himself / herself who performs the deposit procedure operates the biometric authentication function-equipped terminal (KIOSK terminal) 100, and the deposit procedure support means 101 accepts the input of the customer's birthday (date of birth) (step S101). Further, the input of biometric information is accepted (step S102), and the information is transmitted to the biometric authentication system 110 via the network 2 (step S103).

  In the biometric authentication system 110, the biometric authentication unit 112 receives the birthday (birth date) and biometric information transmitted from the terminal 100 with the biometric authentication function via the network 2, and these birth dates (birth date) ) And the account number of the securities account associated with the biometric information and stored in the biometric information database 113 (step S104), and the acquired account number of the securities account is obtained via the network 2 by the terminal 100 with the biometric authentication function. (Step S105).

  In the terminal 100 with the biometric authentication function, the deposit procedure support means 101 receives the account number of the securities account transmitted from the biometric authentication system 110 via the network 2 (step S106), and the account of the securities account for the customer. The number is transmitted to the securities front system 60 via the network 2 to automatically log in (step S107).

  In the securities front system 60, the log-in accepting unit 62 receives the account number of the securities account transmitted from the terminal 100 with biometric authentication function via the network 2, and is associated with the received account number of the securities account and bank information. The securities account information (bank information and customer information) of the customer stored in the database 72 and the customer database 71 is acquired (step S108), and the acquired securities account information is sent via the network 2 to the terminal 100 with a biometric authentication function. (Step S109).

  In the terminal 100 with biometric authentication function, the deposit procedure support means 101 receives the customer's bank information (bank account number, etc.) and customer information (name, etc.) transmitted from the securities front system 60 via the network 2. Then, a menu screen including the display of the received securities account information (bank information and customer information) is displayed (step S110), and the input of the deposit amount by the customer himself who performs the deposit procedure to the securities account is accepted (step S111), The input deposit amount is transmitted to the securities front system 60 via the network 2 together with the account number of the securities account (step S112).

  In the securities front system 60, the deposit procedure support means 63 receives the account number and deposit amount of the securities account transmitted from the terminal 100 with biometric authentication function via the network 2 (step S113: However, the account of the securities account) The number does not have to be received when it is received from the log-in accepting means 62 that executed the processes of steps S108 and S109.), The account number of the bank account, the account number of the securities account, and the securities company established in the bank Of a two-dimensional or one-dimensional barcode for deposit request (the barcode 221 of the deposit request form 220 in FIG. 11) including the account number, deposit amount, transfer date, etc. The barcode processing for creating information (including encryption processing) is executed (step S114), and the information on the created barcode (image data) is executed. Ones) of another state, via the network 2 to the biometric authentication function terminal 100 (step S115).

  In the terminal 100 with the biometric authentication function, the deposit procedure support means 101 receives the barcode information (image data state) for deposit request transmitted from the securities front system 60 via the network 2 (step of image data). S116) Using the received bar code information, as a depositing procedure to the securities account, a deposit request to the securities account 220 for requesting the transfer from the bank account of the customer to the representative account of the securities company (see FIG. 11). ) Is printed with the barcode 221 attached (step S117).

  The subsequent processing of steps S118 to S121 is the same as the processing of steps S33 to S36 of FIG. 3 and the processing of steps S84 to S87 of FIG.

  <Flow of withdrawal procedure: When performed from the customer terminal 130 via the Internet>

  In FIG. 8, the customer who performs the withdrawal procedure operates his / her customer terminal 130 to access the securities front system 60 of the securities company system 40 via the network 1 to obtain a login screen. The account number of the securities company is input (step S131), the password is further input (step S132), and the account number and password of the securities company are transmitted to the securities front system 60 of the securities company system 40 via the network 1 ( Step S133).

  In the securities front system 60, the account number and password of the securities account transmitted from the customer terminal 130 via the network 1 are received by the login reception means 62, and the account number and password of the securities account are stored in association with each other. Authentication (identity verification) using a password is performed using information in the customer database 71 (a dedicated authentication database may be installed) (step S134), and associated with the account number of the securities account for the authenticated customer. The customer's securities account information (bank information and customer information) stored in the bank information database 72 and the customer database 71 is acquired (step S135), and the acquired securities account information is displayed as menu screen display data (Web data). ) And transmitted to the customer terminal 130 via the network 1 That (step S136).

  When the customer terminal 130 receives the securities account information (bank information and customer information) of the customer transmitted from the securities front system 60 via the network 1, a menu screen is displayed (step S137). On the screen, the input of the withdrawal amount by the customer is accepted (step S138), and the account number and withdrawal amount of the securities account are transmitted to the securities front system 60 via the network 1 (step S139).

  In the securities front system 60, the withdrawal procedure support means 64 receives the account number and withdrawal amount of the customer's securities account transmitted from the customer terminal 130 via the network 1, and uses the received withdrawal amount as the customer. Are stored in the withdrawal database 73 in association with the account number of the securities account (step S140).

  In the securities company system 40, copying from the withdrawal database 73 of the securities front system 60 to the withdrawal database 93 of the securities back system 80 is performed at a predetermined time (for example, 3:00 pm in the evening).

  Thereafter, in the securities back system 80, the withdrawal list creation means 85 acquires the account number and withdrawal amount of each customer's securities account stored in the withdrawal database 93, and the withdrawal procedure of each customer accepted on that day. For each, the account number of each customer's bank account stored in the bank information database 92 in association with the account number of each customer's securities account, the account number of each customer's securities account, and the representative of the securities company established at the bank Barcode processing (encryption) to create 2D or 1D barcode information for withdrawal requests including account number of account (for example, checking account), withdrawal amount of each customer, transfer date, etc. Processing), and a withdrawal list 230 (see FIG. 11) with a barcode 231 created for each withdrawal procedure of each customer is created (step S). 41), or printed by the printing apparatus (not shown), or the file output is stored in the dispensing list storage unit 96 (step S142).

  Then, when the withdrawal list 230 with the barcode 231 (see FIG. 11) is printed by the withdrawal list creation means 85, the person in charge at the securities company brings the printed withdrawal list 230 to the bank. And carry it. When the withdrawal list 230 with the barcode 231 is output as a file by the withdrawal list creation means 85, the person in charge at the securities company operates the person-in-charge terminal 120 and stores it in the withdrawal list storage means 96. The withdrawal list 230 file obtained is acquired, the withdrawal list 230 is printed, and the printed withdrawal list 230 is brought to the bank and carried, or the withdrawal list 230 file is brought to the bank and carried. Further, when the withdrawal list 230 with the barcode 231 is output as a file by the withdrawal list creation means 85, the file of the withdrawal list 230 is transmitted to the bank system 20 via the network 1 centering on the Internet. May be.

  In the bank system 20, the withdrawal request receiving means 24 attaches the withdrawal list 230 (see FIG. 11) using a barcode reader at the bank terminal (not shown) by the operation of the person in charge of the bank. In order to execute a barcode reading process (including a decryption process) for reading a plurality of barcodes 231 one by one and start transfer (withdrawal) from the representative account of the securities company to each customer's bank account, Deposit / withdrawal information such as bank account number of each customer read from bar code 231, account number of securities account, account number of securities company's representative account (for example, checking account), withdrawal amount, transfer date, etc. 25 (step S143). And the transfer (withdrawal) process by the deposit / withdrawal means 25 is executed.

  At this time, when the person in charge of the securities company brings the printed withdrawal list 230 to the bank, the person in charge of the bank uses the barcode for the barcode 231 in the printed withdrawal list 230. Read processing using a reader is performed. In addition, when the person in charge of the securities company stores the file of the withdrawal list 230 in a recording medium such as a USB memory, a CD, or a DVD and brings the recording medium to the bank, or the file of the withdrawal list 230 is stored in the securities list. In the case of transmission from the company system 40 via the network 1, the person in charge of the bank prints the withdrawal list 230 by himself using the withdrawal list 230 file, and the printed withdrawal list 230. The barcode 231 in the middle is read using a barcode reader.

  Further, when the inspection barcode 232 (see FIG. 11) is printed at the bottom of the section (for example, page) in the withdrawal list 230, each section (for example, page) is displayed by the withdrawal request receiving means 24. ), After reading all the withdrawal request barcodes 231, the inspection barcode 232 is further read, and the number of withdrawal request barcodes 231 in the section and the withdrawals in the section are read. The total amount of each withdrawal amount read from the barcode 231 for money request is compared with the total number of the withdrawal amount and the number of withdrawals read from the barcode 232 for inspection. For the section (for example, page), it is determined whether or not the deposit / withdrawal means 25 starts the transfer. If they do not match, without proceeding to the process of starting the transfer, the bar code 231 for all withdrawal requests in the section is notified by notifying the mismatch by displaying the screen and / or outputting a warning sound. A warning process that prompts the user to redo the reading is executed. On the other hand, if they match, all the transfers in the section are started.

  Further, the withdrawal request receiving means 24, in each section (for example, page), the account of the securities account for the customer who failed to transfer from the representative account of the securities company (for example, the checking account) to the customer's bank account. A barcode conversion process (including an encryption process) for creating two-dimensional or one-dimensional barcode information for withdrawal failure notification including a number is executed, and this withdrawal failure notification barcode 233 (FIG. 11) may be printed in a position different from the positions of the withdrawal request and inspection barcodes 231 and 232 already printed in each section (for example, page) of the withdrawal list 230. (Step S144).

  Thereafter, although illustration is omitted, when the bank representative brings the withdrawal list 230 (see FIG. 11) on which the withdrawal failure notification barcode 233 is printed to the brokerage store, In the company system 40, a barcode reading process (decoding process) is performed by the withdrawal procedure support means 54 of the simple input system 50 to read the barcode 233 printed on the withdrawal list 230 by an operation of a salesperson at a securities company. And the information read from the barcode 233 (the account number of the securities account for the customer who failed to transfer from the representative account of the securities company to the bank account of the customer) via the network 2 To 80.

  Although not shown in the securities back system 80, information read from the withdrawal failure notification barcode 233 in the withdrawal list 230 (see FIG. 11) from the simple input system 50 via the network 2 (a securities company) ), The withdrawal procedure from the securities account of the customer is canceled by the deposit / withdrawal means 86. .

  <Flow of withdrawal procedure: When performed by the customer's own operation using the biometric authentication terminal (KIOSK terminal) 100>

  In FIG. 9, when a customer who performs a withdrawal procedure operates a terminal 100 with biometric authentication function (KIOSK terminal), first, identity verification is performed by biometric authentication, and then automatic login to the securities front system 60 is performed. Although the menu screen is displayed, the processes in steps S151 to S160 are the same as the processes in steps S101 to S110 in FIG. Note that the processing performed by the withdrawal procedure support means 102 so far is described as being performed by the deposit procedure support means 101 in FIG. 7, but these are the same processing, and the subsequent processing is the deposit procedure. And withdrawal procedures are different for convenience of explanation.

  In the terminal 100 with the biometric authentication function, the withdrawal procedure support means 102 accepts input of the withdrawal amount by the operation of the customer who performs the withdrawal procedure from the securities account on the menu screen (step S161). Together with the account number of the securities account is transmitted to the securities front system 60 via the network 2 (step S162).

  In the securities front system 60, the withdrawal procedure support means 64 receives the account number and withdrawal amount of the customer's securities account transmitted from the terminal 100 with biometric authentication function via the network 2, and the received withdrawal amount is received. Then, it is stored in the withdrawal database 73 in association with the account number of the customer's securities account (step S163).

  The subsequent processing in steps S164 to S167 is the same as the processing in steps S141 to S144 in FIG. 8 described above.

  <Flow of withdrawal procedure: When a sales employee receives a receipt at a securities company store>

  In FIG. 10, when a customer who makes a withdrawal procedure from a securities account goes to the storefront of a securities company, it is started by the withdrawal procedure support means 54 of the simplified input system 50 by the operation of the salesperson of the store of the securities company. Among the processes related to the withdrawal procedure, the processes in steps S171 to S180 are the same as the processes in steps S71 to S80 in FIG. The processing performed by the withdrawal procedure support means 54 so far has been described as being performed by the deposit procedure support means 53 in FIG. 6, but these are the same processing, and the subsequent processing is the deposit procedure. And withdrawal procedures are different for convenience of explanation.

  In the simple input system 50, the withdrawal procedure support means 54 accepts the input of the withdrawal amount of the customer (step S181: The input operation is performed by the salesperson at the store of the securities company, but may be performed by the customer. .), The input withdrawal amount is transmitted to the securities back system 80 via the network 2 together with the account number of the securities account (step S182).

  In the securities back system 80, the withdrawal procedure support means 84 receives the account number and withdrawal amount of the customer's securities account transmitted from the simple input system 50 via the network 2, and the received withdrawal amount is It is stored in the withdrawal database 93 in association with the account number of the customer's securities account (step S183).

  Thereafter, the processing in steps S184 to S187 performed after a predetermined time (for example, 3 pm in the evening) is the same as the processing in steps S141 to S144 in FIG. 8 and the processing in steps S164 to S167 in FIG. It is.

  <Effect of this embodiment>

  According to this embodiment, there are the following effects. That is, since the certificate printing means 22 is provided in the bank system 20 and the account opening procedure support means 52 and the securities account information registration means 82 are provided in the securities company system 40, when performing the securities account opening procedure, Bank information including the account number of the bank account for the bank customer by creating and printing the barcode 201 of the account opening certificate 200 (see FIG. 11) by the bank system 20 and reading the barcode 201 by the securities company system 40. And customer information including the name can be transmitted from the bank to the securities company as information necessary for the procedure.

  For this reason, a customer who opens a securities account manually fills in the necessary information on the securities account opening application form (conventional handwritten paper corresponding to the securities account opening application form 210 in FIG. 11) at the store of the securities company. This eliminates or reduces the manual work associated with procedures such as the customer, and also eliminates or reduces the work of the brokerage company's sales staff to enter information obtained from the customer's manual entry into the system. It is possible to reduce the work burden on the sales staff of the company and to suppress the occurrence of work mistakes. In the present embodiment, the account opening procedure support means 52 prints the securities account opening application form 210 (see FIG. 11) and its customer copy 215 (see step S25 in FIG. 3).

  In addition, since information is transferred using the barcode 201 (see FIG. 11), a system that does not rely on communication infrastructure can be constructed. For this reason, it is possible to construct a simple backup system in the event that the communication infrastructure such as the Internet is hit by the earthquake or cyber terrorism and cannot be used, and the communication infrastructure is undeveloped or unstable. It can also be used in developing countries.

  Furthermore, since the delivery is performed by barcode 201 (see FIG. 11) printed on paper (paper or the like), there is no risk of virus infection compared to delivery by a recording medium such as a USB memory, and an information transmission medium. Is a paper (paper etc.), the risk of copying and diffusing information is lower than in the case of recording media such as a USB memory, and the risk of leakage of personal information can be reduced. Can be realized. In addition, since the information transmission medium is paper (paper or the like), an inexpensive system construction can be realized.

  And since it is a simple system that can proceed by creating / printing / reading the barcode 201 (see FIG. 11), even a salesperson of a securities company or a bank who is not used to work can make a mistake in work. It is possible to suppress the occurrence and smoothly perform the securities business and its support business. For this reason, in developing countries and the like, there are cases where there are no sales employees who are proficient in securities business or it is difficult to secure them, but even in such a case, a system that functions effectively can be constructed. In addition, when used as a backup system when the communication infrastructure is hit by an earthquake or cyber terrorism, even if it is not used repeatedly, that is, even if it is not used excessively A system that can be used in an emergency can be constructed.

  In addition, since the securities company system 40 is provided with deposit procedure support means 53, 63, 101 and the bank system 20 is provided with a deposit request receiving means 23, the deposit request request form 220 (see FIG. 11) to the securities account. Since the procedure can be proceeded by creating, printing and reading the barcode 221, as with the procedure for opening a securities account as described above, a system that does not rely on communication infrastructure can be established. It is possible to reduce the work burden on customers, securities companies and bank sales staff, to prevent work mistakes, and to build a safe, simple and inexpensive system.

  Furthermore, the deposit request accepting means 23 is configured to be able to print the deposit completion notification barcode 222 on the deposit request form 220 (see FIG. 11) to the securities account. Even when cannot be used, a payment completion notice from the bank to the securities company can be sent (see FIG. 5). In addition, since the payment completion notification is made by the bar code 222, the functions and effects of using the bar code detailed in the securities account opening procedure can be exhibited here.

  Also, the withdrawal procedure support means 54, 64, 84, 102 and the withdrawal list creation means 85 are provided in the securities company system 40, and the withdrawal request reception means 24 is provided in the bank system 20, so that the withdrawal list is provided. 230 (see FIG. 11) can be processed by creating, printing, and reading a barcode 231. As for withdrawal procedures from a securities account, the procedures for opening a securities account and depositing into a securities account are also described. As in the case of procedures, the construction of a system that does not rely on communication infrastructure, the reduction of work burdens on customers and securities companies and bank sales staff, the prevention of work errors, and the construction of a safe, simple, and inexpensive system. Can do.

  Further, the withdrawal list creating means 85 is configured so that the barcode 231 to be printed on the withdrawal list 230 (see FIG. 11) can be arranged to be obliquely moved (see FIG. 17). When reading a plurality of barcodes 231 in succession, there is no continuous movement in the vertical direction or continuous movement in the horizontal direction, so that an appropriate change is brought about in monotonous work. Reading can be prevented in advance.

  The withdrawal list creation means 85 is configured to be able to attach an inspection barcode 232 to the bottom of each section (for example, page) of the withdrawal list 230 (see FIG. 11). By checking the total number of cases and withdrawal amounts by reading the inspection barcode 232, it is possible to more reliably prevent skip reading and double reading in the continuous reading processing of the barcode 231 in the bank system 20. Can do.

  Further, the withdrawal request receiving means 24 is configured to be able to print a withdrawal failure notification barcode 233 in each section (eg, page) of the withdrawal list 230 (see FIG. 11). Therefore, even when communication infrastructure such as the Internet cannot be used, a withdrawal failure notice from the bank to the securities company can be made. Further, since the withdrawal failure notification is made by the bar code 233, each action / effect by using the bar code detailed in the procedure for opening the securities account can be exhibited here.

  Further, in this embodiment, since various bar code conversion processes include an encryption process and various bar code reading processes include a decryption process, it is possible to improve the confidentiality of information for information transmission using bar codes, The risk of information leakage can be further reduced.

  Furthermore, in the present embodiment, the key selection type encryption process and the key selection type decryption process as shown in FIG. 14 can be performed. In this case, any one of the prepared encryption keys is selected. Since the encryption key can be selected and used, the encryption key to be used is not fixed, so that the confidentiality of information can be further enhanced.

  In this embodiment, double encryption processing (1) and double decryption processing (1) as shown in FIG. 15, or double encryption processing (2) and double decryption processing as shown in FIG. (2) can also be performed. In these cases, encryption / decryption is duplicated and the encryption key to be used is not fixed, so that the confidentiality of information can be further enhanced.

  In this embodiment, as shown in FIGS. 18 to 20, various bar code forming processes can include an information concealment punching process, and various bar code reading processes can include a transparent sheet 400. By covering the barcode 241 (see FIG. 20), it is possible to include a process of photographing the barcode 241 in a state where the hole is filled. In other words, in the present embodiment, it is possible to perform the drilling process and the hole filling process of the barcode 241 using the continuous pattern 401 of the transparent sheet 400. Therefore, since the barcode 241 cannot be read as it is, the confidentiality of information can be further enhanced.

  At this time, in the barcode reading process, the barcode 241 is photographed in a state where the transparent sheet 400 (see FIG. 20) is covered with the barcode 241 so as to fill the hole, that is, the image of the barcode 241 is generated by software. Since the image is returned to the state before the punching process by filling the hole with the transparent sheet 400 as a reading aid instead of the image returning process, the image reading by the barcode reader and the subsequent decoding process are performed by the punching process. It can be done in the same way as if not. Therefore, in the barcode processing (system for creating and printing barcodes), it is necessary to develop a program for executing the hole punching processing. However, the barcode reading processing (on the side for barcode reading) In the system), it is not necessary to develop a program for executing the hole filling process, and it is possible to use a commonly used general program (a program that is commercially available or published). When the barcode processing includes encryption processing, decryption processing is required in the barcode reading processing, but the processing before the decryption processing is performed, that is, the image is captured by the barcode reader. This means that no special program development is required for processing to capture an image, perform black and white discrimination of cells in the image, and decrypt the black and white information to convert it into encrypted transmission information (ciphertext). It is.

  Furthermore, in this embodiment, a plurality of transparent sheets 400 in which continuous patterns 401 with different density of black dots are drawn can be prepared. In the information concealment hole punching process, it is possible to determine whether or not a condition that can be adopted as a hole punching pattern is satisfied from the transparent sheet 400 having a high density of black dots. For this reason, since the cut pattern from the continuous pattern 401 having a high density of black dots is employed as a pattern for drilling, it is possible to perform drilling at a larger number of positions and improve information confidentiality. be able to. Further, when there are a plurality of patterns that satisfy the conditions, a pattern having the highest density of black dots among these patterns can be extracted at an early stage.

  Further, since the simple input system 50 includes the use pattern specifying information storage unit 58 and the pattern management unit 55, the arrangement of the black dots forming the continuous pattern 401 of the prepared transparent sheet 400 (see FIG. 20) is not appropriate. It is possible to avoid an inconvenient situation that a specific pattern continues to be adopted due to the absence of the pattern. For this reason, by regenerating the continuous pattern 401 of the transparent sheet 400 in accordance with the warning display by the pattern management means 55, it is possible to prevent the employed pattern from being fixed and to improve the confidentiality of the information.

  <Deformation form>

  Note that the present invention is not limited to the above-described embodiment, and modifications and the like within a scope where the object of the present invention can be achieved are included in the present invention.

  For example, when a customer closes a securities account, if for some reason it closes for some reason but may be reopened, a closing certificate is issued by the customer's offer, and a barcode is attached to the closing certificate. You may print. In other words, the bank account information (bank information such as the account number of the bank account acquired from the bank information database 92, customer information such as the name and date of birth acquired from the customer database 91, etc.) is added to the simple input system 50 of the securities company system 40. ) Is executed to create a two-dimensional or one-dimensional barcode information for closing the account (including encryption processing), and a closure certificate with the barcode for closing the account is issued. You may provide the closure certificate issuing means which performs the process to print. In this case, when the customer reopens the securities account, if the necessary information such as the bank account number has not changed significantly, it will be included in the account closure barcode printed on the closure certificate. Securities account information (bank information and customer information) can be used to restart the securities account.

  Accordingly, in this case, an account resumption procedure for executing a barcode reading process (including a decoding process) for reading the barcode for closing the account printed on the closing certificate in the simplified input system 50 of the securities company system 40. Support means are also provided. The bar code information read by the account reopening procedure support means is sent to the securities account information registering means 82 as in the case of the securities account opening procedure, and the securities account information registering means 82 is used to restart the securities account. In response to the application, an account number of the securities account is newly granted, and the bank information and customer information read from the account closing bar code are associated with the newly assigned account number of the securities account in the bank information database 92 and the customer database 91. What is necessary is just to perform the process memorize | stored respectively.

  As described above, if the simple certificate input system 50 of the securities company system 40 is provided with the closing certificate issuing means and the account resuming procedure support means, when the customer resumes the securities account, the account is closed at the securities company store. If you do not have to go to a bank, you can complete the procedures for reopening your securities account.

  As described above, the securities business support system and program according to the present invention performs securities business when, for example, the communication infrastructure such as the Internet is hit by an earthquake disaster, or the communication infrastructure is undeveloped or unstable. Suitable for use in cases.

DESCRIPTION OF SYMBOLS 10 Securities business support system 20 Bank system 22 Certificate printing means 23 Deposit request acceptance means 24 Withdrawal request acceptance means 31 Bank customer database 33 Bank side encryption key storage means 34 Bank side pattern storage means 40 Securities company system 52 Account opening Procedure support means 53, 63, 101 Deposit procedure support means 54, 64, 84, 102 Withdrawal procedure support means 55 Pattern management means 56, 74, 94 Securities company side encryption key storage means 57, 75, 95 Securities company side Pattern storage means 58 Usage pattern specific information storage means 71, 91 Customer database 72, 92 Bank information database 73, 93 Withdrawal database 82 Securities account information registration means 85 Withdrawal list creation means 200 Bank account opening certificate 201 For opening an account Barcode 220 to securities account Money Request Form 221 Deposit Request Bar Code 222 Deposit Complete Notification Bar Code 230 Withdrawal List 231 Withdrawal Request Bar Code 232 Inspection Bar Code 233 Withdrawal Failure Notification Bar Code 242 Specific information of pattern for opening 400 Transparent sheet 401 Continuous pattern 402 Vertical scale 403 Horizontal scale 404 Cutout pattern

Claims (11)

A securities business support system composed of computers that support securities business including account opening,
A bank side support unit provided in the bank system for managing bank accounts and a securities company side support unit provided in the securities company system for managing securities accounts,
The bank support department
Bank information including an account number of a bank account for a bank customer or other bank customer identification information and including an account number of the bank account stored in a bank customer database associated with the received bank customer identification information And the customer information including the name is used to execute a barcode processing for creating two-dimensional or one-dimensional barcode information for opening an account including the information, and the customer of the bank stores the bank account in the bank. Comprising a certificate printing means for executing a process of printing a bank account opening certificate for certifying that the bank has opened with the barcode attached thereto,
The securities company support department
Bar code reading process for reading the bar code printed on the bank account opening certificate when a customer of the bank who applies for opening a securities account with a securities company brings the bank account opening certificate to the securities company An account opening procedure support means for executing
In response to an application for opening a securities account by a customer of the bank, an account number of the securities account is assigned to make the bank customer a customer of a securities company, and the bank information and the customer information included in the barcode are given. Securities account information registration means for executing processing for storing in the bank information database and the customer database in association with the account number of the securities account ,
Furthermore, the securities company side support department
Using the account number of the securities account for the customer performing the deposit procedure to the securities account, obtaining the account number of the customer's bank account associated with the account number of the securities account and stored in the bank information database; Accepting the input of the deposit amount to the customer's securities account, using the account number of the bank account, the account number of the securities account, the account number of a representative account of a securities company established in the bank, and the deposit amount, Execute barcode processing to create two-dimensional or one-dimensional barcode information for deposit request including these information, and transfer from the bank account of the customer to the representative account of the securities company as a deposit procedure to the securities account A deposit procedure support means for executing a process of printing a deposit request form to a securities account for requesting a transfer with the barcode for deposit request attached,
The bank support department
A barcode that reads the barcode printed on the deposit request to the securities account when the customer who makes a deposit request to the securities account to the bank brings the deposit request to the securities account to the bank Using the account number of the bank account read from the bar code, the account number of the representative account of the securities company, and the deposit amount, read processing from the customer's bank account to the representative account of the securities company A securities business support system characterized by comprising a deposit request accepting means for executing a process for starting the transfer . The deposit request accepting means of the bank side support unit is:
When the transfer from the bank account of the customer to the representative account of the securities company is completed, the account number of the bank account, the account number of the securities account, the account number of the representative account of the securities company, and the actual transfer amount Is used to execute a barcode processing for creating two-dimensional or one-dimensional barcode information for payment completion notification including these information, and the barcode for the payment completion notification is sent to the securities account. 2. The securities business support according to claim 1 , wherein a process for printing the deposit request form at a position different from the position of the barcode for the deposit request already printed is also executed. system. The securities company support department
A withdrawal procedure for receiving an input of a withdrawal amount of a customer who performs a withdrawal procedure from a securities account and executing a process of storing the received withdrawal amount in association with an account number of a securities account for the customer in a withdrawal database Support means,
For each of the withdrawal procedures of each customer, the account number of the securities account of each customer stored in the withdrawal database and the account number of the securities account of each customer are stored in the bank information database. In addition, the information includes the account number of each customer's bank account, the account number of the representative account of a securities company established in the bank, and the withdrawal amount of each customer stored in the withdrawal database. Execute barcode processing to create 2D or 1D barcode information for withdrawal requests, and create withdrawal lists with the barcode created for each withdrawal procedure of each customer And a withdrawal list creating means for executing processing for printing or file output,
The bank support department
A barcode reading process is performed to read the barcodes attached to the withdrawal list printed by using the file printed or output by the withdrawal list creation unit one by one, and from the barcode Using the read account number of the bank account of each customer, the account number of the representative account of the securities company, and the withdrawal amount of each customer, the representative account of the securities company is transferred to the bank account of each customer. The securities business support system according to claim 1 or 2 , further comprising withdrawal request reception means for executing a process for starting a transfer. The withdrawal list creation means of the securities company side support department is:
To realize a continuous reading operation in which the bar code reader is moved in an oblique direction without arranging the bar codes created for each of the withdrawal procedures of each customer in a line in the vertical or horizontal direction. It is configured to perform processing such as staggered arrangement, zigzag arrangement, M-shaped arrangement, inverted M-shaped arrangement, V-shaped arrangement, inverted V-shaped arrangement, or other oblique movement guiding arrangement The securities business support system according to claim 3 , wherein: The withdrawal list creation means of the securities company side support department is:
Two-dimensional or one-dimensional barcode information for inspection including the number of the barcodes for withdrawal requests attached to each page or other section of the withdrawal list and the total amount of the withdrawal amounts. It is configured to execute a process of creating a barcode, and also to execute a process of attaching the barcode for inspection to the bottom of each section of the withdrawal list,
The withdrawal request reception means of the bank side support unit is:
After reading the barcodes for all withdrawal requests in each section, when the barcode for inspection is further read, the number of barcodes for withdrawal requests read and withdrawal requests The total amount of the withdrawal amount read from the barcode for use and the number of cases read from the barcode for inspection and the total amount of the withdrawal amount are compared. / or securities business support system according to claim 3 or 4, characterized in that it is configured to perform a warning process to inform the mismatch by the warning sound output. The withdrawal request reception means of the bank side support unit is:
Within each of the sections, two-dimensional or one-dimensional barcode information for withdrawal failure notification including the account number of the customer's securities account that failed to transfer from the representative account of the securities company to the bank account of the customer The barcode for the withdrawal request and the inspection barcode already printed in each of the sections of the withdrawal list is used as the withdrawal failure notification barcode. The securities business support system according to claim 5 , wherein the processing for printing at a position different from the position of the security information is also executed. The bank side support unit of the bank system and the securities company side support unit of the securities company system include encryption key storage means for storing an encryption key,
The bar code processing is
Using the encryption key stored in the encryption key storage means, including an encryption process for encrypting information included in the barcode;
The barcode reading process includes:
Using the encryption key stored in the encryption key storing means, seen including a decoding process for decoding the information which the read from the bar code,
The encryption process included in the barcode process is:
Using the encryption key for the first encryption stored in the encryption key storage means, a first encryption process for encrypting information included in the barcode is executed, and further, the encryption key storage means The information after the first encryption process is encrypted using any one of the plurality of stored encryption keys for the second encryption, and the number of the encryption key used for the second encryption is used. Is a double encryption process (1) for executing a second encryption process for including the barcode in the barcode,
Alternatively, the information to be included in the barcode is encrypted using any one of the plurality of encryption keys for first encryption stored in the encryption key storage means, and the first encryption used A first encryption process for including the encryption key number for the barcode in the barcode and further using the encryption key for the second encryption stored in the encryption key storage means A double encryption process (2) for executing a second encryption process for encrypting information after the encryption process,
The decoding process included in the barcode reading process includes:
When the double encryption process (1) is executed, the number of the encryption key for the second encryption is read from the barcode, and the read number of the encryption key for the second encryption is read The encryption key for second encryption acquired from the encryption key storage means and read from the barcode using the acquired encryption key for second encryption The first decryption process for decrypting the information after the second encryption process other than the number of the first encryption process is executed, and further, the first decryption is performed using the encryption key for the first encryption stored in the encryption key storage unit. Whether it is a double decoding process (1) for executing a second decoding process for decoding the processed information;
Alternatively, when the double encryption process (2) is executed, the second encryption read from the barcode using the encryption key for second encryption stored in the encryption key storage means A first decryption process for decrypting the information after the encryption process is performed, and further, the number of the encryption key for the first encryption is read from the barcode or the information after the first decryption process, and the read first encryption The first encryption key corresponding to the encryption key number is obtained from the encryption key storage means, and after the first decryption process using the obtained first encryption key securities business support system according to any one of claims 1 to 6, characterized in that a double decoding process for performing a second decoding process for decoding the information (2). The bar code processing is
Including a hole punching process for information concealment corresponding to a transparent sheet used as a reading aid over the barcode during the barcode reading process,
The transparent sheet is
Draw a pattern for punching and filling holes on a transparent or substantially transparent sheet-like member in which square black dots of the same shape and size as the smallest unit of the black and white area constituting the barcode are scattered. When formed, (A) a plurality of transparent sheets having different patterns are prepared, or (B) a transparent sheet having a continuous pattern having a larger area than the barcode is prepared Or (C) a plurality of transparent sheets depicting different continuous patterns may be prepared,
The information concealment drilling process is
Any one of the patterns of the transparent sheet in the case of (A) stored in the pattern storage means and the cell cut out by one cell from the continuous pattern of the transparent sheet in the case of (B) With respect to the cut pattern or any cut pattern cut out by one cell from the continuous pattern of the transparent sheet in the case of (C) above, all the patterns in the pattern or the cut pattern A black dot overlaps a black cell among a plurality of cells constituting the created barcode, or a black color outside a predetermined non-processed area among a plurality of cells constituting the created barcode A pattern for drilling by extracting a pattern or cutout pattern that satisfies this condition by determining whether or not the condition of overlapping with a cell is satisfied And the hole corresponding to the position of the black point of the adopted pattern is reversed from black to white, and the specified information for the pattern for drilling is used as the specific information of the above-mentioned pattern (A). The number of the transparent sheet, the shift amount of the cut pattern in the case of (B), or the number of the transparent sheet and the shift amount of the cut pattern in the case of (C) are attached to the barcode. To create print data for printing,
The barcode reading process includes:
The barcode is photographed in a state in which the transparent sheet corresponding to the number as the specific information in the case of (A) is covered on the barcode, or the barcode in the case of (B) The bar code is photographed in a state in which the transparent sheet is covered with the transparent sheet while covering the bar code while adjusting the scale attached to the continuous pattern of the transparent sheet to the shift amount as the specific information, or In the case of (C), the transparent sheet is placed on the barcode while adjusting the scale attached to the continuous pattern of the transparent sheet corresponding to the number as the specific information to the shift amount as the specific information. to any one of claims 1 to 7, wherein in a state of filling that includes a process for imaging the bar code by Placing securities business support system. The transparent sheet is
In the case of (A) or in the case of (C), the transparent sheets in the case of (A) include transparent sheets on which patterns having different density of black dots are drawn. The transparent sheet in the case of (C) includes a transparent sheet depicting a continuous pattern with different density of black dots,
The information concealment drilling process is
The securities business support system according to claim 8 , further comprising a process of determining success or failure of the condition from the transparent sheet having a high density of black dots. The securities company side support section of the securities company system is:
Use pattern specific information storage means for accumulating and storing the specific information of the adopted pattern for drilling;
Using the specific information stored in the use pattern specifying information storage means, it is determined whether or not the adopted hole-piercing pattern is concentrated in one or several predetermined patterns. If it has, the securities business of claim 8 or 9, characterized in that it is constituted by a pattern management means for performing a warning display process for instructing a replacement of the transparent sheet are prepared Support system. A program for causing a computer to function as the securities business support system according to any one of claims 1 to 10 .

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