JP2000094858A - Proof deed for financial trade - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make a forgery of a subsidiary stamping seal impossible by providing a stamped impression data recording region where stamped impression data for which the original image data of the stamped impression is converted into data so that the data can be read only by an exclusive reading means, is recorded. SOLUTION: For a deposit passbook 1 of a bank which is one kind of proof deeds for financial trades, a stamped impression data recording region 3 is provided on the rear face paper 2. On the stamped impression data recording region 3, a two-dimensional code 4 wherein stamped impression data B which is formed by applying a data conversion such as a data compression and a scramble to the original image A of a stamped impression of a registered stamping seal is recorded, is printed. Then, the two-dimensional code 4 can be read only by an exclusive reading means 10. By this constitution, a forgery of a subsidiary stamping seal is made impossible, and a trouble by a forged stamping seal is prevented from occurring, and at the same time, labor for a stamping seal collation by an original stamping seal which is registered on a host computer or the like can be eliminated, and the processing for the window business can be quickened.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to securities for financial transactions such as a bankbook.

[0002]

2. Description of the Related Art Heretofore, a registered seal (official seal) is stamped on the back cover of a bankbook or the like (hereinafter also including savings at a post office or the like) which is a kind of securities for financial transactions. The seal imprint obtained as described above is provided as a secondary seal, and the seal verification at the time of the transaction with the seal is performed with the secondary seal. However, if the passbook passed to another person due to theft, etc. due to the secondary seal on the back cover of the passbook, the secondary seal was copied by an image reading device of a commercially available simple printing machine, and it was imprinted on the bank-issued payment slip. There is an example of an accident in which an employee directly prints out an item and pays it out using the forged seal. Therefore, as a measure against such an accident, an accident caused by a simple printing machine can be prevented by inserting a grid line in the cover of the secondary seal. However, after reading the secondary seal containing the grid lines with a digital scanner and erasing the grid lines on the digital image by image processing, the imprint is color-printed on a bank-provided payout slip and paid out by the forged seal. There is an example of an accident that took place. With regard to forgery of imprints using such digital devices, countermeasures to the extent of adding a grid line cannot prevent forgery, and it is necessary to abolish the secondary seal itself. However, if the secondary seal is abolished, it is necessary to centrally manage the seal for seal verification by a seal server such as a host computer, and to refer to the seal imprint data from each branch, which is the actual transaction site, via a communication line. However, it takes a long time to access such a seal server, and the processing time of window operations such as payout is delayed, resulting in deterioration in the quality of customer service.

[0003]

SUMMARY OF THE INVENTION The present invention has been made in view of the above-mentioned problems, and an object of the present invention is to provide a security for financial transactions that cannot be counterfeited by a secondary seal, and to prevent an accident caused by a counterfeit seal. In addition to this, it is possible to save time and effort for verifying a seal stamp by using a correct seal stamp registered in a host computer or the like, thereby speeding up the processing of the window business.

[0004]

According to a first aspect of the present invention, there is provided a financial transaction evidential security for data conversion of an original image of an imprint so that the original image can be read only by a predetermined dedicated reading means. In that it has an imprint data recording area in which the imprint data is recorded.

According to a second feature configuration, as described in claim 2 of the claims, in addition to the first feature configuration, the data conversion to the imprint data depends on a password. And the reverse conversion requires the password.

The third characteristic configuration is, as described in claim 3 of the claims, in addition to the above-mentioned first or second characteristic configuration, a two-dimensional code recording the imprint data. This is in that it is printed in the imprint data recording area.
Here, the two-dimensional code is a type of bar code, also called a two-dimensional bar code, and is a two-dimensional high-density recording of digital data such as numbers and characters.

According to a fourth feature configuration, as described in claim 4 of the claims, in addition to the third feature configuration, the two-dimensional code reflects the invisible light of a predetermined wavelength. In that it is printed with stealth ink.

The fifth characteristic configuration is, as described in claim 5 of the claims, in addition to the above-mentioned first, second or third characteristic configuration, a predetermined additional information is transmitted at a predetermined wavelength. Is provided with an additional information recording unit printed with stealth ink that reflects invisible light.

According to a sixth aspect of the present invention, in addition to the above-mentioned fifth aspect, the additional information recording section is provided in the imprint data recording area in addition to the fifth aspect. This is in that printing is performed from above the recording medium on which the imprint data is recorded.

Hereinafter, the function and effect of the characteristic configuration of the present invention will be described. According to the first characteristic configuration of the present invention, since the imprint data after the data conversion can be read only by the predetermined dedicated reading means, another person cannot read the imprint data by another reading device, and the original image of the imprint Cannot be played. In other words, the imprint data cannot be decrypted,
The same imprint cannot be forged, and an accident due to forged seal can be prevented. Here, the predetermined exclusive reading means includes an inverse conversion means of the data conversion, and the contents or procedure of the data conversion are naturally kept secret from a third party. Therefore, even if the imprint data is recorded in a general data format and the imprint data itself can be read by some other means, it is impossible to reproduce the original image of the imprint unless reverse data conversion is possible. Further, the data conversion may be such that data such as encryption or scramble is made incomprehensible to a third party, or may include such data. Furthermore, since the financial transaction evidence itself holds the seal imprint (secondary seal) as information, like a conventional passbook, the imprint held on the financial transaction evidence by the predetermined dedicated reading means. By reading the data, performing the inverse conversion and reproducing the original image of the seal imprint, and verifying the seal with the reproduced original image, the verification process can be performed quickly, and a delay in the processing time of the window service can be prevented.

[0011] According to the second characteristic configuration, even if the predetermined exclusive reading means is stolen or the contents of the data conversion are leaked to a third party, as long as the personal identification number is kept secret, the imprint is imprinted. Because the data cannot be read, security is further enhanced.

According to the third characteristic configuration, since a two-dimensional code can be recorded at a higher density than a one-dimensional bar code, image data such as an imprint can be recorded. Since the information cannot be rewritten as compared with the method, there is no danger of erroneous erasure of data, and it is also possible to prevent an accident that the data is rewritten to the seal imprint data of another seal and verified by the other seal. is there.

According to the fourth characteristic configuration, the existence of the two-dimensional code itself cannot be recognized at a glance, and the two-dimensional code can be physically read by a normal copier or image scanner using visible light. Since it is not available, the imprint data can be better prevented from being decrypted by a third party.
Furthermore, whether the evidence itself is forged or not,
The two-dimensional code can be read and determined by a dedicated two-dimensional code scanner sensitive to invisible light of a predetermined wavelength reflected from the stealth ink.

According to the fifth characteristic configuration, whether or not the evidence certificate itself is forged is determined by a dedicated image scanner which is sensitive to invisible light of a predetermined wavelength reflected from the stealth ink. It is possible to judge by reading the recorded contents of the recording unit. Here, as the content recorded in the additional information recording unit, forgery determination can be performed more strictly as long as it is an authentication mark of the creator at the time of the creation of the imprint data or an authentication code different for each of the evidence securities.

According to the sixth characteristic configuration, even if there are various types of evidence securities, the additional information recording unit may be printed from the recording medium on which the imprint data is recorded in the imprint data recording area. For example, since the location of the additional information recording unit can be recognized at a glance as the imprint data recording area, it is possible to prevent a reading error when reading the recorded content of the additional information recording unit with the dedicated image scanner. . Further, even if the recording medium on which the imprint data is recorded in the imprint data recording area is optically readable such as a two-dimensional code, even if the recording medium is physically readable, the additional information recording unit is Because it cannot be read by the same means,
It is possible to effectively prevent counterfeiting of the security certificate obtained by copying the recording medium as it is.

[0016]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing an embodiment of the present invention. FIG.
As shown in FIG. 2, an imprint data recording area 3 is provided on the back cover 2 of a bank passbook 1 which is a kind of securities for financial transactions.
In the imprint data recording area 3, a two-dimensional code 4 that records imprint data B generated by performing data conversion such as data compression and scrambling on the original image A of the imprint of the registered seal is printed. The two-dimensional code 4 is of a generally used type, and a commercially available two-dimensional code scanner 5 for reading two-dimensional codes can be used.

An apparatus 6 for creating the two-dimensional code 4 includes an image scanner 7 for reading the original image A, and compresses the image data C generated by the image scanner 7 to generate compressed image data D. Data conversion means 8 for scrambling the compressed image data D with a predetermined scramble function to generate the imprint data B
And a two-dimensional code generating means 9 for adding a predetermined error correction function from the seal imprint data B and converting the two-dimensional code 4 into a two-dimensional pattern.

Here, the data compression is preferably of a type that does not cause loss of data at the time of data decompression, and each of the data compression and scrambling methods is based on a proprietary technology to ensure confidentiality to a third party. use.
The scramble function is formed so as to change depending on a password set for each deposit account. As a result, the scramble decryption function used at the time of scramble decryption differs for each deposit account, and by generating each scramble decryption function using the password as a key, the seal cannot be verified without the password, and the transaction can be further performed. Security is assured.

The dedicated reading means 10 for reading the two-dimensional code 4 and reproducing the original image A reads the image of the two-dimensional code 4 and reversely converts the image into the seal imprint data B 'equivalent to the seal imprint data B. The two-dimensional code scanner 5 and the imprint data B ′ are decoded into compressed image data D ′ equivalent to the compressed image data D by the scramble decoding function generated using a personal identification number as a key. Compressed image data D '
Data inversion means 11 for expanding the image data to generate image data C 'equivalent to the image data C, and inputting the image data C' and outputting a reproduction image A 'of the seal imprint equivalent to the original image A And output means 12 for displaying or printing. As described above, since each of the data compression and scramble methods is based on a unique technique, the two-dimensional code 4 can be read only by the dedicated reading means 10.

Normally, the seal verification is performed by visually comparing the reproduced image A 'printed or displayed by the output means 12 with the original image A of the seal imprinted on a payout slip or the like issued by a bank. In the case where the seal verification is automatically performed without visual inspection, the seal imprinted on the payout slip or the like is read by the image scanner 13 which generates image data in the same output format as the image data C, and the image data E is generated. The image data C ′ and the image data E of the two-dimensional code 4 generated by the data inverse conversion unit 11 are input to the determination unit 14,
4 compares the two image data C 'and E to determine whether the data coincides with each other, and if they coincide, the seal is verified.

Hereinafter, another embodiment will be described. <1> Instead of printing the two-dimensional code 4 recording the imprint data B on the imprint data recording area 3,
A magnetic stripe of a predetermined format on which the imprint data B is recorded may be formed.

<2> The scramble function and the scramble decoding function do not always need to be changed for each personal identification number. Also, encryption may be performed instead of scrambling. In this case, a password may be used as the decryption key.

<3> When creating the two-dimensional code 4, it is preferable to print the two-dimensional code 4 with stealth ink that reflects invisible light of a predetermined wavelength.

<4> When the two-dimensional code 4 is created by the two-dimensional code 4 creating device 6, the original image A
Is recorded as having been authenticated as a seal imprint of a registered seal, and in order to prevent duplication of the two-dimensional code 4, an authentication mark (a character that can identify an authenticator, a character, a symbol, Graphic information or the like) printed in stealth ink that reflects infrared light of a predetermined wavelength is provided in a predetermined area of the bankbook 1, particularly on the surface of the two-dimensional code 4 in the imprint data recording area 3. Is also a preferred embodiment. Further, a protective film that transmits infrared light and visible light of the predetermined wavelength for protecting the additional information recording unit is coated from above the additional information recording unit.
In this case, the base of the additional information recording unit, that is, the surface of the imprint data recording area 3 and the printing ink of the two-dimensional code 4 use a material that does not reflect the infrared rays more than the stealth ink.

As described above, when the additional information recording section is provided, the authentication mark is read by the dedicated image scanner sensitive to the infrared ray of the predetermined wavelength in the above-described seal verification, and the presence of the authentication mark is confirmed. While doing.

<5> The imprint data recording area 3 may be provided on a portion other than the back cover 2 of the bankbook 1. Further, the imprint data recording area 3 in which the imprint data B is recorded may be applied to margin securities of financial transactions other than the bankbook. As a result, quick and secure seal verification can be performed on other securities.

[0027]

As described above, according to the present invention,
Providing evidence for financial transactions that cannot be counterfeited for secondary seals, preventing accidents due to counterfeit seals, and eliminating the hassle of verifying seals with correct seals registered in the host computer, etc., and speeding up window operations. Can be planned.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing one embodiment of a securities transaction for financial transactions according to the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Deposit passbook 2 Back cover 3 Imprint data recording area 4 2D code 5 2D code scanner 6 Creation device 7, 13 Image scanner 8 Data conversion means 9 2D code generation means 10 Dedicated reading means 11 Data reverse conversion means 12 Output means 14 Discrimination means A Original image of seal imprint A 'Reproduction image of seal imprint B, B' Imprint data C, C ', E Image data D, D' Compressed image data

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06K 7/12 H04N 1/44 17/00 G06F 15/30 K H04N 1/44 15/62 455

Claims (6)

[Claims] 1. A financial transaction evidence securities having an imprint data recording area in which imprint data obtained by converting an original image of an imprint is recorded so as to be readable only by predetermined dedicated reading means. 2. The securities for financial transactions according to claim 1, wherein the data conversion to the imprint data is performed depending on a password, and the reverse conversion requires the password. 3. The evidence transaction for financial transactions according to claim 1, wherein a two-dimensional code recording the imprint data is printed on the imprint data recording area. 4. The securities for financial transactions according to claim 3, wherein the two-dimensional code is printed with stealth ink that reflects invisible light of a predetermined wavelength. 5. The evidence transaction for financial transactions according to claim 1, further comprising an additional information recording unit that prints predetermined additional information with stealth ink that reflects invisible light of a predetermined wavelength. 6. The evidence transaction for a financial transaction according to claim 5, wherein the additional information recording unit is printed from a recording medium on which the imprint data is recorded in the imprint data recording area.