JP2003178185A - Securities and its processing method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent fraudulent usage such as forgery and interpolation of securities, and to facilitate encashment. <P>SOLUTION: A reading means 6 is provided for reading ID information stored in an IC chip embedded in the securities, and a determining means is provided for enquiring about the read ID information to a security information data base 3 storing ID information specifying unissued securities and determining authenticity of the securities. The securities are issued by an issuing means 7 on the basis of a determination result of the determining means. The reading means 6 reads the ID information and security information stored in the IC chip embedded in the securities, and the determining means enquires about the read ID information and security information to the security information data base 3 storing ID information and security information specifying already issued securities and determines authenticity of the securities. A settlement process of the already issued securities is carried out on the basis of a determination result of the determining means. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to securities and their processing systems, and more particularly to securities that can be electronically managed and their processing systems.

[0002]

2. Description of the Related Art Conventionally, the management and operation of securities are performed based on the securities number, face value, etc., which are written on the face of the securities. In addition, when exchanging securities, the securities are exchanged by submitting the securities to a specific window.

Further, Japanese Unexamined Patent Publication No. 2001-236487 discloses a valuable carrier having an unauthorized use preventing function. Data for authenticity authentication is recorded on this valuable carrier by means such as stealth ink or electronic watermarking, and the authenticity of the valuable carrier is determined by reading the data.

[0004]

Conventionally, the management and operation of securities is carried out by the security number stated on the face of the security,
It is carried out based on the face value, etc., and there were cases where illegal use such as counterfeiting or falsification was carried out. Although the method of storing the data for authenticity authentication on the valuable carrier by means such as stealth ink or digital watermark is a means that can counteract the illegal use such as forgery, falsification, etc. Matching requires a lot of processing.

Further, when the securities are redeemed, the system is such that the securities are redeemed only by submitting the securities to a specific window, and the redemption process is troublesome.

The present invention has been made in view of these problems, and provides a securities and its processing system which can prevent illegal use such as forgery and falsification of securities and can easily convert the securities.

[0007]

The present invention adopts the following means in order to solve the above problems.

Contact means for reading the ID information stored in the IC chip embedded in the securities in a contactless manner and the read ID information in the securities information database storing the ID information for identifying the unissued securities, The securities issuer includes a determination unit that determines the authenticity of the securities, and issues the securities by the ticket issuing unit based on the determination result of the determination unit.

Further, the reading means for reading the ID information and the securities information stored in the IC chip embedded in the securities, the read ID information and the securities information, and the ID information and the securities information for identifying the securities of the issued ticket are stored. The security information database is inquired, and a determination unit for determining the authenticity of the securities is provided, and the issued securities are settled based on the determination result of the determination unit.

[0010]

DETAILED DESCRIPTION OF THE INVENTION Embodiments of the present invention will be described below with reference to the accompanying drawings. FIG. 1 is a diagram showing a securities processing system according to an embodiment of the present invention. As shown in the figure, a database server 2 installed in a database center 1, a window device 5 of a securities ticketing / cashing counter 4, an automated teller machine 9 installed in an unattended store 8 other than the ticketing / cashing counter, and a settlement center. The payment server 12 of 11 is mutually connected via the network 13.

The database server 2 stores a database 3 in which securities information of securities issued by a securities issuer (including ID information for identifying unissued securities) is stored.
Equipped with.

The securities ticketing / cashing counter 4 comprises a counter device 5, reading means 6 for reading the securities, and ticket issuing means 7 for issuing the securities. The unmanned store 8 other than the securities issuing / cashing counter comprises a reading / printing means 10 for reading and printing securities, and an automated teller machine 9 incorporating the reading / printing means 10. The settlement center 11 includes a settlement server 12 and performs settlement of securities based on an instruction from the window device 5 or the automated teller machine 9 connected via the network 13.

FIG. 2 is a diagram showing an example of securities used in the securities issuing / cashing system. Securities 14
Is a small size (for example, size; 0.4 ×) in which a unique managed ID (non-overlapping ID) is encrypted and stored.
An IC chip 15 of 0.4 × 0.06 mm, memory capacity; 128 bits) is embedded. Since this small IC chip 15 is embedded in the securities 14, it is not normally visible to the public. Further, the IC chip 15 has a function of reading the ID without making contact with the outside. At the time of reading, the ID is the reading means 6 of the window device 5 or the reading / printing means 1 of the automated teller machine 10.
0 is read and the ID is decrypted in the window device 5 or the automated teller machine 9.

FIG. 3 is a database 3 in which IDs and securities information (securities number, originator of securities, face value, etc.) are stored.
3 is an example of a format showing the storage items of.

FIG. 4 is a flow chart showing the processing contents of the ticket issuing / cashing counter 4 and the database center 1 when issuing securities securities.

FIG. 5 is a flow chart showing the processing contents of the ticket issuing / cashing window 4 or the unmanned store 8, the database center 1 and the settlement center 11 when the securities are redeemed for cash.

FIG. 6 is a diagram showing the configuration of the database server 2 installed in the database center 1 or an ID database server 18 described later. The database server 2 or 18 includes the CPU 20, the main storage unit 21, the auxiliary storage unit 22, the communication control unit 23, the display control unit 24, the display device 25, the input control unit 26, the input device 27, the file control unit 28, and the database 3. 19 is provided. The database 3 stores securities information including IDs of securities issued by securities issuers. Further, the ID database 19 stores securities information including IDs of securities issued by each ticket issuing source of securities.

FIG. 7 is a diagram showing the configuration of the window device 5. The window device 5 includes a CPU 20, a main storage unit 21, an auxiliary storage unit 22, a communication control unit 23, a display control unit 24, and a display device 2.
5, an input control unit 26, an input device 27, and an input / output control unit 29. Further, the securities issuing unit 7 including a securities reading unit 6 and a printer is connected to the input / output control unit 29.

FIG. 8 is a diagram showing the structure of the automatic teller machine 9 installed in the unmanned store 8. Automatic teller machine 9
Is a CPU 20, a main storage unit 21, an auxiliary storage unit 22, a communication control unit 23, a securities reading / printing unit 10, a display unit 30 also serving as an input unit such as a touch panel, a card processing unit 31, a cash processing unit 32, and a passbook process. A unit (print processing unit) 33 is provided.

FIG. 9 is a diagram showing the configuration of the settlement server 12 installed in the settlement center 11. The payment server 12 includes a CPU 20, a main storage unit 21, an auxiliary storage unit 22, a communication control unit 23, a display control unit 24, a display device 25, and an input control unit 2.
6, and an input device 27.

Next, the operation of the securities processing system of the present invention will be described with reference to FIGS.

On the face of the securities 14, necessary items such as a securities number and a ticket issuing source are described, and an IC chip 15 storing an encrypted ID is embedded. When issuing securities, the window device 5 of the ticket issuing / cashing window 4 is connected to the database server 2 of the database center 1 via the network 13 to exchange IDs of securities and securities information. The database 3 of the database center 1 stores various information of securities such as securities IDs and securities numbers.

When exchanging securities, the window device 5 of the ticket issuing / receipt window 4 or the automated teller machine 9 of the unmanned store 8 firstly sends the encrypted ID of the securities to be exchanged or the securities on the securities paper. Various information of securities such as securities ID and securities number stored in the database 3 is connected to the database server 2 of the database center 1 via the network 13 in order to read the number etc. and then to judge the authenticity of the securities. Inquire and make an inquiry.

When the securities are judged to be genuine, the window device 5 of the ticketing / cashing window 4 or the automated teller machine 9 causes the settlement server 1 of the settlement center 11 via the network 13.
Connect to 2 to make payment and execute cashing processing.

Next, the processing of the ticket issuing / cashing window 4 and the database center 1 at the time of issuing the securities will be described with reference to FIG.

First, the ticket issuing / cashing counter 4 uses the reading means 6 of the counter device 5 to encrypt the securities I before the ticket issuance.
D is read (S101), and an inquiry is made to the database server 2 of the database center 1 as to whether the ID is duplicated (S102). The database server 2 checks the ID registered in the database 3 (S10
3) If it has already been used, the fact is reported to the counter device 5, and the counter device 5 stops using the securities (S104). If the ID is not used, the fact is reported to the window device 5. Window device 5 that received the report
Requests the database server 2 to register various information of securities such as securities ID and securities number (S105).
Upon receipt of the registration request, the database server 2 registers various information on the securities such as the securities ID and the securities number in the database 3 (S106). Ticketing / cashing counter 4
After receiving the registration completion report from the database server 2,
Again, various information of securities such as securities ID and securities number is transmitted to the database server 2 to inquire registration information (S107). The database server 2 compares it with the registered information in the database 3 (S108). If it does not match the registered information, report it to the counter device 5,
The window device 5 stops issuing the securities (S109).
If the registration information matches, the fact is reported to the counter device 5, and the counter device 5 uses the ticket issuing means 7 to print the securities.
Ticketing processing is performed (S110).

Next, the processing of the ticket issuing / cashing window 4 or the unmanned store 8, the database center 1, and the settlement center 11 at the time of converting the securities will be described with reference to FIG.

First, the ticket issuing / cashing window 4 or the unmanned store 8 uses the reading means 6 of the window apparatus 5 or the reading / printing means 10 of the automatic teller machine 9 for the encrypted ID of the securities for cashing and The written information on the face of the ticket is read (S201), and the read securities information such as the ID and the securities number is transmitted to the database server 2 to make an inquiry (S202). The database server 2 compares the received securities information with the registration information in the database 3 to determine the authenticity (S203). If there is a problem in authenticity, there is a risk of counterfeit securities, so the counter device 5 or the automated teller machine 9 performs processing as counterfeit securities (S20).
4). If there is no problem in authenticity, the registration information of the database 3 is reported to the window apparatus 5 or the automated teller machine 9 (S205).

The window device 5 or the automated teller machine 9 which has received the registration information of the securities requests the settlement server 12 of the settlement center 11 to settle the securities (S20).
6). The settlement server 12 that has received the settlement request performs settlement processing based on the registration information of the securities (S207). When the settlement process is completed, the settlement server 12 reports to the window device 5 or the automated teller machine 9, and the window device 5 or the automated teller device 9 that has received the report performs cashing or cashing by transfer (S208). .

The counter device 5 or the automated teller machine 9 which has completed the cashing process requests the database server 2 to change the registration information of the securities (S209). The database server 2 that received the request to change the registration information of the securities,
The registration information of the database 3 is changed (S210), and the completion of the change of the registration information of the securities is reported to the window device 5 or the automated teller machine 9. Upon receipt of the report, the window device 5 or the automated teller machine 9 collects the securities when the cash is completely exchanged, or prints out that the securities have been fully exchanged and returns the securities. In addition, if only part of the money is redeemed, the items on the face of the securities will be changed and returned.
(S211).

FIG. 10 is a diagram showing another embodiment of the present invention. In this example, a plurality of database servers 2 are provided for each securities issuer, and each database server 2 is provided with a database 3 that stores the securities information of the securities issued by each securities issuer.

Further, there is provided an ID database center 17 which comprehensively manages / registers all IDs of securities issued by the plurality of ticket issuing sources. Further, the ID database center 17 includes an ID database server 18 that comprehensively manages / registers all IDs of the securities and an ID database 19 that stores all the IDs and securities information.

In this example, since the ID database server 18 that comprehensively manages / registers all IDs of securities and the ID database 19 that stores all the IDs and securities information are provided, the window device 5 or automatic cash A user of the transaction device 9 can issue or redeem securities issued by a plurality of ticket issuing sources.

As described above, according to this embodiment,
It becomes possible to centrally manage securities by using securities in which an IC chip storing a managed unique ID is embedded or by registering the ID and securities information of the securities in a database. . Furthermore, centralized management using the information registered in the database makes it possible to easily perform a more reliable authenticity determination. In addition, based on the database in which the ID and securities information are registered, a settlement server and ticketing /
By connecting the cash exchange device to the network, cash can be easily exchanged at an automated teller machine other than the counter.

[0035]

As described above, according to the present invention, it is possible to prevent illegal use such as forgery and falsification of securities and to easily exchange cash.

[Brief description of drawings]

FIG. 1 is a diagram showing a securities processing system according to an embodiment of the present invention.

FIG. 2 is a diagram showing an example of securities.

FIG. 3 is a format example showing storage items of a database.

FIG. 4 is a flowchart showing the processing contents when issuing a securities ticket.

FIG. 5 is a flowchart showing the processing contents when securities are cashed.

FIG. 6 is a diagram showing a configuration of a database server.

FIG. 7 is a diagram showing a configuration of a window device.

FIG. 8 is a diagram showing a configuration of an automatic teller machine.

FIG. 9 is a diagram showing a configuration of a payment server.

FIG. 10 is a diagram showing another embodiment.

[Explanation of symbols]

1 database center 2 Database server 3 database 4 Securities Issue / Cash Exchange Counter 5 counter devices 6 reading means 7 ticket issuing means 8 unmanned stores 9 automatic teller machine 10 Securities reading / printing means 11 settlement center 12 payment server 13 network 14 Securities 15 Small IC chip 17 ID Database Center 18 ID database server 19 ID database 20 CPU 21 main memory 22 Auxiliary storage 23 Communication control unit 24 Display control unit 25 display 26 Input control section 27 Input device 28 File Control Unit 29 Input / output control unit 30 Display (input) 31 Card Processing Department 32 Cash Processing Department 33 Passbook processing unit (print processing unit)

─────────────────────────────────────────────────── ─── Continuation of front page (51) Int.Cl. ⁷ Identification code FI theme code (reference) G06K 17/00 G06K 17/00 L 19/00 G07D 7/00 H 19/07 7/02 G07D 7/00 G06K 19/00 H 7/02 QF term (reference) 2C005 HA01 HB10 JA26 JB31 KA40 LA38 LB34 MA02 MB08 PA21 SA06 SA11 3E041 AA01 BB07 5B035 AA15 BB09 BC00 CA23 5B058 CA17 KA02 KA04 KA31 YA02 YA03

Claims (3)

[Claims] 1. A security in which an IC chip storing managed ID information is embedded, wherein the stored contents of the IC chip can be read from the outside in a non-contact manner. Securities. 2. A reading means for contactlessly reading ID information stored in an IC chip embedded in securities, and the read ID information for identifying unissued securities I
D securities information database that stores the D information is inquired to include a determination unit that determines the authenticity of the securities, and the securities are issued based on the determination result of the determination unit. system. 3. A reading means for reading the ID information and the securities information stored in the IC chip embedded in the securities, the read ID information and the securities information, and the ID information and the securities information for identifying the securities of the issued ticket. A securities processing, characterized by comprising a judging means for judging whether the securities are authentic or not by making an inquiry to the securities information database, and settling the issued securities based on the judgment result of the judging means. system.