JP2005025488A - System for certification of written information on check - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enhance security by preventing alteration to the face of a check or the like requiring the writing of a face value; and digitize a handwritten signature on a real time basis and automatically match the signature information against signature information recorded in a database to determine conformity, in signature matching about a check, a traveler's check or the like. <P>SOLUTION: When an input device 10 sends signature information, a matching device 23 receives the signature information and searches the database 22 of signature information. If signature information corresponding to the former signature information is extracted from the database 22, the matching device 23 matches the signature information received from the input device 10 against the signature information extracted from the database 22, and displays the discrimination result on a repeater device 16. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a system and a guarantee method for guaranteeing written information by preventing tampering and impersonation of a user's face value and signature for use such as a check, and a check used in the system. About.
[0002]
[Prior art]
2. Description of the Related Art Conventionally, in order to prevent tampering of a face, a check face writer is used to fill in a face value using a device called a check writer, or a handwritten Chinese numeral is used. When paying by the paying institution of the drawn check, the check writer that cannot be tampered with by hand or the handwritten Chinese numerals that are difficult to modify must be checked so that no tampering has been made between the face value entry and payment. Guarantee. When a check writer is used, as shown in Patent Document 1, the face value is printed by pressing on the face value entry field of the paper while applying ink to the convex type, or by pressing the face value from above the carbon copy paper. Are printed and written and read using dedicated equipment to prevent tampering and to guarantee the face value.
[0003]
In addition to the face value, the check must be guaranteed a signature as identity verification. When using a traveler's check, once the checkbook is obtained, the check is signed one place at a time, and when using each check, the check is resigned and applied at the time of checkbook acquisition. The signature is guaranteed by checking the consistency between the signature and the signature on the check. As a method for supporting such signature confirmation, as described in Patent Document 2, information on a seal or signature registered in a database in advance and a bill / check using a voucher reading / recognition machine. There is a method of electronically collating images of imprints and signatures read from the site.
[0004]
[Patent Document 1]
JP 2001-96960 A [Patent Document 2]
JP 2002-49763 A
[Problems to be solved by the invention]
In the conventional face value guarantee method described above, it is necessary for financial institution staff to fill in using a check writer, which is a dedicated instrument, which is not installed everywhere, and also when reading the face value. Since it is necessary to use a dedicated device, there is a problem that the range that can be used is limited. In the signature guarantee method, the check is read with a certificate reader / recognition machine after signature and the image data is collated with the database. Therefore, it is necessary to perform alignment such as rotation or movement, or when the acquired data is unclear. However, there was a problem that it took time to collate because it was difficult.
[0006]
It is an object of the present invention to electronically obtain and store the contents handwritten on the check by the user as they are, and visually check the electronic information and the actual information when the payment institution actually pays. Alternatively, it is to provide a check information guarantee system that supports the discovery of tampering by mechanical confirmation. Another object of the present invention is to acquire a handwritten signature as it is by using an electronic pen as electronic information and automatically collate it with registered electronic signature information, thereby making it difficult to read and superimpose images. Is to provide a check information guarantee system that supports quick signature verification. Another object of the present invention is to provide a check suitable for acquisition of information with an electronic pen that facilitates acquisition of written information on the check.
[0007]
[Means for Solving the Problems]
In order to achieve the above object, the check information guarantee system of the present invention has information for uniquely identifying a check, means for electronically acquiring the information, information to be entered as a face value on the check, Means are provided for electronically obtaining information to be entered as a signature on the check. This information acquisition means is realized by a check on which a dot pattern that can uniquely identify position information when read by an imaging device is printed, and an electronic pen including the imaging device that can read the dot pattern. When applying this method, by setting or previously which dot patterns correspond to which information allows the association between the entry position and items. Furthermore, a written image can be acquired by associating and acquiring a dot pattern and writing information.
The association setting is associated with the acquired writing information stored in a server that stores information that is a constituent requirement of the described information assurance system of the present invention or a relay server that transmits information to this server. Thus, the information acquired with the electronic pen can be stored in association with each item. The face value information and signature information are stored in association with check identification information, server time information, and usage date and time acquired from a system that guarantees other times. A server for storing information is provided in the check issuing agency and other guarantee agencies, and receives and stores information acquired at the site where the check is used.
[0008]
The check description information stored in this way is used for verification of the description contents when the check payer pays. Electronically obtains the identification information of the check that is paid at the time of verification, and calls and displays the stored information. This display information is checked against the check and it is checked whether the amount has been tampered with. In the case of further automation, the system is provided with a collation function between storage information and acquisition information, the image of the check is acquired, the face value is digitized by OCR technology, and the face information of the storage information is automatically collated. The signature is also automatically checked by matching the image information.
[0009]
Also, signature information for identity verification is registered in advance in a server for storing information. The signature information may be written image information or trajectory information, and is stored in the database in association with information for identifying the person. The signature obtained with the electronic pen when using the check and this stored signature are automatically collated by the above collation function, and the result is displayed, so that it is possible to quickly confirm the identity without making an uncertain confirmation visually. Become. When using a check, if it is determined from signature verification that both signatures are from the same person, the written face value handwritten information may be digitized and stored for signature information registration or in another database it can. The stored face value handwriting information can be used to verify whether the check has been tampered with when the payment institution pays the check.
[0010]
The check information guarantee method of the check according to the present invention is realized by a check on which the dot pattern is printed and an electronic pen that reads the dot pattern. However, the check does not have a function, and the item is associated with the coordinate information of the paper. A type of electronic pen may be used.
[0011]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, an implementation method using a check on which a dot pattern is printed and an electronic pen that reads the dot pattern will be described with reference to the drawings as an example of the embodiment of the present invention.
FIG. 1 is a diagram showing a method for initial registration of a signature by means for electronically acquiring a signature in the present invention.
The input device 10 (e.g., electronic pen) includes a photographing device inside, and can photograph identification information (e.g., dot pattern) printed on the product 11, and the photographed dot pattern is automatically position information. The handwriting information can be obtained by digitizing the information. At the same time, the writing time, writing pressure, handwriting speed, inclination and rotation of the input device 10 can be stored as information data in the internal recording device of the input device 10 together with the locus of the position information. A dot pattern is printed on the surface of the product 11 so that the position information can be uniquely identified by copying and processing with a photographing device. The product 11 is a paper product that requires a signature to be entered at the time of acquisition, such as a check book or a traveler's check book, and has a signature entry field 12 and an entry field 13 in a place corresponding to the cover or cover. The information entered and digitized in the signature entry field 12 by the input device 10 can be related to all the sheets included in the product 11 from the dot pattern position information or the identification code unique to the check book. By registering the digitized signature information in the database 22, it is possible to search and verify the corresponding signature when using a check or check book.
[0012]
Here, the server 20 stores the address information of the terminal 21 of the institution that confirms the identity in association with the position information of the paper, without the address information of the terminal 21 of the institution that confirms the identity being stored in the relay terminal of the store. And a configuration to be provided.
A check book or traveler's check book acquirer uses the input device 10 to sign the signature entry field 12, and touches the entry device 10 defined to transmit information related to the entry contents. Then, the arithmetic unit in the input device 10 automatically processes the dot pattern in the entry field 13 and transmits the paper position information to the server 20 via the relay device 15. When the address information of the terminal 21 of the institution that confirms the identity corresponding to the positional information of the sheet received by the server 20 is automatically detected and returned, the entry information digitized by the input device 10 is the information of the institution that confirms the identity. Information relating to the signature and the position information of the paper are registered in the database 22 automatically transmitted to the terminal 21.
[0013]
FIG. 2 is a data configuration diagram of a data table of handwriting digitized by the electronic pen.
The data area 31 is a locus of position information uniquely obtained when the dot pattern captured by the input device 10 is processed. The data area 32 is a writing pressure applied when the input device 10 is used to fill in the product 11 on which a dot pattern is printed. The data area 33 is a relative time for entry, which is obtained from time information that the input device 10 has. The data area 34 is information on the tilt and rotation of the input device 10 itself.
The data area 35 is address information indicating a certain area of the dot pattern, and is information obtained when the input device 10 captures and processes the dot pattern. The data table 30 includes data areas 31, 32, 33, 34, and 35, and is registered in the database as entry information.
[0014]
FIG. 3 is a flowchart of processing at the time of signature verification according to the present invention.
When the information related to the signature is transmitted from the input device 10 to the server 20 (step 51), the server 20 returns the address information of the organization that confirms the identity to the input device 10 from the address information included in the handwriting information (step 51). 52) The input device 10 transmits the face / signature handwriting information to the collation device 23 of the institution that confirms the identity (step 53).
The verification device 23 that has received the signature information automatically searches the database 22 for signature information corresponding to the signature information (step 54). If the corresponding signature information is not detected in the verification device 23 as a result of step 54, signature verification cannot be performed and an error screen is displayed on the relay device 16 (step 57).
When the corresponding signature information is detected, the information related to the signature received from the input device 10 is compared with the signature information detected from the database (step 55). As a result of step 55, if the collation device 23 satisfies a certain standard, it is determined that both signatures are from the same person. If the certain collation standard is not met, the both signatures are not from the same person. It is determined that there is not (step 58). If the verification result of both signatures satisfies a certain standard, the result is displayed on the relay device 16, and the face value handwriting information is associated with the signature information and registered in the database 22 (step 59). The face value handwriting information can be referenced when the payment period of the check pays. If the verification results of both signatures do not satisfy a certain standard, an error process is performed and an error screen is displayed on the relay device 16 (step 60).
[0015]
FIG. 4 is a diagram showing an apparatus used when checking is issued in the embodiment of the present invention.
It is defined that when the check is issued, the user fills in the face value entry field 41 provided in the form 40 using the input device 10, signs the signature entry field 42, and transmits information related to the entry contents. When the input device 10 is touched to the entered entry field 43, the address information of the dot pattern printed on the paper 40 is transmitted from the input device 10 to the server 20 via the relay device 16. The server 20 transmits the address information of the organization that confirms the identity corresponding to the received address information of the dot pattern to the input device 10. When handwriting information is transmitted from the input device 10 to the collation device 23 of the institution that confirms the identity by the address information acquired from the server 20, the collation device 23 is registered in advance in the database 22 from the entry information. Search for signature information.
The collation device 23 compares the information related to the signature received from the input device 10 with the signature information acquired from the database 22 based on a certain standard, and automatically determines whether or not they are input by the same person. can do. In addition, the result of the determination can be displayed on the relay device 16.
[0016]
Further, the apparatus shown in FIG. 4 is used when checking the face value written on the check and the face value at the time of payment at the payment institution when paying the drawn check.
[0017]
When the owner of the drawn check (paper 40) brings it to the payment institution, if the handwriting information is transmitted by touching the entry field 43 with the input device 10 at the payment institution, the address information of the dot pattern on the paper 40 is relayed. 16 is transmitted to the server 20 via 16. The server 20 transmits the address information of the organization that confirms the identity corresponding to the received address information to the input device 10. Based on the address information transmitted from the server 20 to the input device 10, when the address information of the dot pattern of the paper 40 is transmitted from the input device 10 to an organization that confirms the identity, the dot pattern in the database 22 is transmitted. Information corresponding to the address information is retrieved. When the search is completed, the result is displayed on the relay device 16.
[0018]
FIG. 5 shows an example of screen transition displayed on the relay device 16 in this embodiment.
In a state where the relay device 16 is waiting for information transmission from the input device 10, a standby screen (screen 70) is displayed. When face value / signature information is received from the input device 10, a signature verification processing screen (screen 71) is displayed between steps 51 to 56. If there is no corresponding signature information in the database 22 in step 55, a screen 72 is displayed in step 57. If the signature verification result in step 58 satisfies a certain standard, a signature verification result screen (screen 73) is displayed in step 59, and a face value confirmation screen (screen 74) is displayed after the screen 73 is confirmed. In the face value column 75 displayed on the screen 74, the contents entered in the face value entry field 41 are displayed.
[0019]
FIG. 6 shows an example of a screen when using registered face value information in order to confirm the face value when paying a check in this embodiment.
[0020]
In order to confirm the contents of the check when the check is paid, it is possible to refer to the handwriting information of the face value registered in the database 22 in step 59 (screen 80). The screen 80 includes a check number, check issue date, check issuer name, and face value (face value field 81). The face value handwritten information (face value field 75) of the face value registered in step 59 is displayed in the face value field 81.
[0021]
【The invention's effect】
As described above, according to the present invention, it is possible to refer to the face value when paying the check by registering the handwriting information of the face value when filling in the usage details on the check. It can be confirmed that the face value of the check has not been tampered with. In addition, it is possible to check signatures easily and electronically by electronically obtaining a signature to be filled in when using a check and verifying and identifying the signature registered for identity verification. User convenience and safety during use. In addition, since necessary information can be acquired and transmitted simply by filling in a check book applicable to the written information guarantee system of the present invention with an electronic pen, no special device other than a relay communication device is required. This system can be used anywhere.
[Brief description of the drawings]
FIG. 1 is a diagram showing an apparatus used for pre-registering a signature in an embodiment of the present invention.
FIG. 2 is a diagram showing a data table of handwriting digitized by a writing instrument (electronic pen) used in the present invention.
FIG. 3 is a diagram showing a flow of processing at the time of collation in the embodiment of the present invention.
FIG. 4 is a diagram showing an apparatus used for signature verification and face value confirmation in an embodiment of the present invention.
FIG. 5 is a diagram showing an example of screen transition displayed on the relay device in the embodiment of the present invention.
FIG. 6 is a diagram showing an example of a screen for confirming a face value when paying a check in the embodiment of the present invention.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 10 Input device 12 Signature entry column 16 Relay device 22 Handwriting information database 23 Verification device 41 Frame entry column

Claims (4)

Means for electronically obtaining information for uniquely identifying a check, face value information to be entered in the check, and user signature information to be entered in the check, and information for uniquely identifying the check, face value information and signature information; A means for creating information associated with the use date and time, a means for transmitting the information to a device for storing the information, a means for storing the information in the storage device, and a check to be confirmed when checking the written information on the check Characterized in that it comprises means for obtaining identification information, means for obtaining description information associated with the identification information from the storage device, and means for collating the written description with the stored written content. Check information guarantee system to check. The check information guarantee system according to claim 1, further comprising means for confirming the signature information of the check, preregistering signature information used for personal authentication in an apparatus for storing the information, and A written information guarantee system for checks, characterized by collating and determining written signature information and previously registered signature information. In the check information guarantee method in the check information guarantee system according to claim 1 or 2, the check is uniquely used by using a paper that can be acquired by associating the locus described as the check paper with the positional information. The position of the information to be identified, the description position of the face value, and the position of the signature are set in advance, and the writing trajectory and the description position are acquired by a writing instrument including the photographing device, and the meaning is given to the trajectory information or position described in each set position. A method for guaranteeing written information on a check, characterized in that the information with the mark is stored as identification information, face value information, and signature information. A check for use in the check information guarantee system according to claim 1, 2 or 3, wherein the check book cover is provided with information for identifying and electronically obtaining the issuing institution and the check book, and for each check Using a paper that can be acquired by associating the locus described on the paper with the position information, the information that indicates the position where the information for identifying each check can be electronically acquired, the acquisition end of the written information, and the transmission instruction is electronically A check provided with a description information guarantee function, characterized in that it is provided with a position where it can be acquired, and is provided with a description position of a face value and a description position of a signature.

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