JP2007156664A - Content authenticity confirmation method using personal check with built-in ic - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To make forgery or impersonation difficult and ensure security by previously recording the biological information of a drawer and ID information of a personal check in the check, when a financial institution issues the check. <P>SOLUTION: A compact IC is embedded in the check, and the biological information of the drawer that is an issue destination and the ID information of the check are previously recorded in the check, when the financial institution issues the check. A PROM or a ROM is used as the storage area for the IC, and information once written cannot be falsified. In the financial institution, the ID information and the biological information of the drawer previously recorded in the check are associated and are stored as a DB. When the check is brought in the financial institution, comparison or authentication processing is performed by the information recorded in the check and the information stored in the DB, to confirm whether it is forgery or unauthorized use. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a check debit and payment method using information in an IC incorporated in a computer system and check, and in particular, the contents of the check are authentic by recording biometric information in the IC. The present invention relates to a check and a method for confirming the authenticity of the contents, which are suitable for confirming the above.

  When paying large amounts, both payers and recipients may be involved in accidents and incidents, so checks may be used as “payment certificates (securities)”, but checks are generally issued on paper, so counterfeiting There was a risk of being relatively easy. When a payee brought a check into a financial institution, the financial institution sometimes caused the payee to wait for a long time to check whether the check brought in was authentic. From the above background, checks are generally used in Japan for transactions with legal persons, but rarely used as payment means for transactions between individuals and shopping. Also, each financial institution has anti-counterfeiting measures on checks, but it is only within the scope of paper infrastructure, and its authenticity has not been proved electronically or anti-counterfeiting measures have not been taken. It was.

  In the case of the conventional method described above, it was possible to print hidden characters and ID information in a check, or to apply a watermark, etc., and to take a certain measure against forgery. There is a limit to the prevention of fraud and unauthorized use, and it has been a challenge for financial institutions to require a certain amount of labor and time to check that the check is authentic. . From such a background, there is a problem that it is not widely used in Japan as a payment method for transactions and shopping between individuals.

  In order to solve the above-described problems, in the present invention, as shown in FIG. 3, a non-contact type small IC (3002) and an antenna (3003) are embedded in each check (3001) one by one. . The IC embedded in the check has a PROM or ROM storage area as indicated by 5002 in FIG. 5, and each check is identified in the storage area as indicated by 5003. ID information is registered in advance. In the ID information registration method, the ID information may be created in advance as a ROM at the time of manufacture, or if the storage area is a PROM, the ID information may be registered in a financial institution that is the check book issuer. However, since it is stored using PROM or ROM, once registered ID information cannot be rewritten again. As shown in FIG. 5, the structure of the IC described above includes an antenna for inputting / outputting information from / to the outside (FIG. 5, 5012), an I / O control unit (5011), an arithmetic / control unit (5010), and a storage. Are connected to each other via an internal bus (5009), and have a function of performing data storage and writing / reading processing.

  In the financial institution that issued the check book, as shown in FIG. 1, in order to identify the computer main body (1003), the keyboard and display device (1003), and the account opener in the financial institution (1001). And a storage device for storing personal information / check information for storing the information for identifying the check issued to the account opener. In the information processing system constituting these, an encryption / decryption processing program (1007) for encrypting / decrypting biometric information possessed by the account opener, that is, the check maker or the recipient is incorporated. . The information processing system is connected with a biological information sensor (1004) and an IC reader / writer device (1005), and the connected biological information sensor (1004) is controlled inside the computer main body (1003). Biometric information sensor control program (1008), biometric authentication program (1009) for authenticating whether the biometric information acquired by the biometric information sensor (1004) is correct information, and the information processing system An IC reader / writer control program (1010) for controlling the IC reader / writer device (1005) connected to the PC is incorporated.

  On the other hand, in the place where the account opener of the financial institution, that is, the banker who received the check book from the financial institution, there is a computer main body, its keyboard and display device (2002) shown in FIG. An information sensor (2003) is installed, and an encryption / decryption processing program (2004) for encrypting / decrypting biometric information possessed by the originator or the recipient is incorporated in the computer main body (2001). A biological information sensor control program (1008) for controlling the connected biological information sensor (2003) and a biological body for authenticating whether the biological information acquired by the biological information sensor (1004) is correct information. An authentication program (2006) is incorporated.

  First, in a financial institution, when a check book is issued to an account opener who has opened an account in the financial institution, an IC incorporated in each check making up the check book (FIG. 3, 3002). ), An ID number for identifying each check is stored in a storage area indicated by 5003 in FIG. This may be stored in the form of a ROM when the check is manufactured, or may be recorded by the financial institution using an IC reader / writer device 1005 in the information processing system shown in FIG. Subsequently, from the biometric information sensor indicated by 1004 in FIG. 1, information on a part of the account holder to whom the check book is issued, that is, the person of the maker, is read as biometric information. The biometric information is encrypted using the encryption / decryption processing program (1007), and the IC (FIGS. 3 and 3002) incorporated in all the checks constituting the check book in the check book is shown in FIG. Using the IC reader / writer device shown at 1005, the data is recorded in the biometric information storage area of the maker shown at 5004 in FIG. A recording method at this time will be described below with reference to FIG. A check book (4004) obtained by bundling a plurality of checks (4001) shown in FIGS. 4 and 4001 is set in the IC reader / writer device shown in FIGS. 1 and 1005, and the IC reader / writer shown by 4005 in FIG. Data is transmitted as electromagnetic waves from the antenna of the apparatus to each check antenna (4003) of the check book indicated by 4004, and the biometric information of the drawer shown in FIGS. 5 and 5004 in the IC chip shown in FIGS. Record in storage. At this time, the antenna (4003) incorporated in each check constituting the check book may be arranged at any position of the check, but the arrangement of the antenna 4003 is arranged at the same position at the time of manufacturing in all the checks. To do. By the above method, it is possible to simultaneously write the same information to a plurality of checks, i.e., each check in the check book.

  On the other hand, in the information processing system installed in the financial institution (Fig. 1), simultaneously with the data recording process on the check, a series of check ID information of the check notebook and the account opener, ie, the maker who issued the account are specified. Account numbers and name information that can be created are associated with each other, and stored in the personal information / check information storage device shown in FIGS. 1 and 1006 in the form of a check information table 10001-10004 shown in FIG. Here, the invalid flag information storage field indicated by 10004 indicates that if the issuer who received the check book loses the check book and the fact is delivered to the financial institution that issued the check book. The information processing system shown in FIG. 1 sets information “on” indicating that the check is invalid in the field of the record corresponding to the ID information of the series of checks issued. The content of the information may be any content other than “on” as long as invalid / valid can be determined.

  Further, when the account is opened, the information system shown in FIG. 1 is used to read the biometric information of the account opener from the biometric information sensor in association with the account number (FIG. 1, 1004). Are stored in the storage device for storing personal information / check information shown in FIGS. 1 and 1006 in the form of a biometric information table as shown by 11001 and 11002. At this time, the biometric information of the account opener may be either encrypted or not encrypted.

  Next, the information processing system shown in FIG. 2 is installed in advance in the place where the issuer who received the check is issued, and when the issuer issues the check to the recipient, FIG. The amount information to be drawn out is input from a keyboard (input device) indicated by 2002, a part of the recipient's body is set in the biological information sensor indicated by 2003, and a biological information sensor control program indicated by 2006 The biometric information of the recipient is taken into the system by the biometric information sensor.

  Subsequently, the maker sets a part of the writer's own body in the biometric information sensor indicated by 2003, and similarly takes the biometric information of the maker's own into the system.

  After the biometric information of the payee and the payer himself / herself is taken into the system, the payer removes an arbitrary check from the check book issued from the financial institution as described above, and the information processing system 2004 in FIG. The check is set in the IC reader / rider device indicated by (2), and a write instruction to the check is issued. The system that has received the write instruction, the recipient's biometric information, the biographer's biometric information, and the withdrawal amount information are preliminarily captured, and the information is converted into one information unit by the encryption / decryption program indicated by 2005. As shown in FIG. 5, 5006 is stored in the check-related information stored in the check shown in FIG. 5 and 5006 via the IC reader / writer device of 2004 by the IC reader / writer control program shown in 2007. Record in the area. After information is recorded on the IC, necessary information such as the amount of money and information on the maker is written on the surface of the check having the IC by the maker, and then handed to the recipient.

  When the check is brought into the financial institution by the payee, the financial institution sets the check in an IC reader / writer device (FIG. 1, 1005) and stores the ID information storage area in the IC of the check (FIG. 5). , 5003), the check ID information recorded in the checker biometric information storage area (5005), and the check biometric information recorded in the checkout biometric information storage area (5006). The encrypted recipient's biometric information, the caller's biometric information and the transfer amount information are read out by the IC reader / writer control program shown in FIGS. The encrypted information is decrypted by the encryption / decryption processing program shown in FIG.

  Subsequently, the recipient sets a part of the body, which is the same as the recipient's biometric information registered at the time of check drawing, to the biometric information sensor (1004), and the biometric information sensor control shown in FIGS. The biometric information is read by the program. After reading the information, the information processing system in FIG. 1 searches the check information table (FIG. 10) in the personal information / check information storage device (1006) using the read check ID information as a key. Whether or not the check having the ID information is valid is determined by the invalid flag information shown in FIGS. If valid, the name information (FIG. 10, 10002) and account number information (FIG. 10, 10001) of the account holder of the check and the transfer recorded in the IC related information storage area (FIG. 5, 5006). Amount information is displayed on the display (Fig. 1, 1003), and it is easy for employees of the financial institution to confirm whether the amount is the same as the one indicated on the check and whether the amount is correct. Judgment is possible.

  Further, the biometric information of the drawer who has been recorded in the biometric information storage area (FIG. 5, 5005) in the IC and the biometric information table (FIG. 11) in the storage device (1006) for storing personal information / check information in advance. The biometric information of the transfer person (account opener) registered in is subjected to authentication processing by the biometric authentication program (FIG. 1, 1009) to determine whether they are the same person. In addition, the biometric information of the person who issued the check read from the IC card related information storage area (FIG. 5, 5006) is also subjected to the authentication process by the biometric authentication program (FIG. 1, 1009) and is the same person. To determine.

  Further, the biometric information of the person who has been read out from the IC card-related information storage area (FIG. 5, 5006) and the biometric information of the person who has been obtained from the biometric information sensor shown in FIGS. 1009), an authentication process is performed to determine whether or not they are the same person.

  In the above-described method, if the information processing system shown in FIG. 2 is not installed on the side of the maker, the financial institution checks the check recorded at the time of delivery from the check brought in. It is possible to confirm that the check is authentic by reading the ID information and the biometric information of the maker and comparing or authenticating them in the same manner.

  With the method described above, it is possible to easily and rigorously determine whether a check is brought to a financial institution by the recipient, forgery risk of the check, impersonation of the recipient, etc. Risk can be reduced.

  When a system to which the method according to the present invention is applied is provided, an IC is embedded in a check, and necessary information is recorded at the time of issuing a check or depending on the situation, and the information once recorded in the IC cannot be rewritten. In order to prevent forgery of fraudulent checks, fraudulent use of stolen checks, and impersonation in financial institutions by performing authentication processing against information registered and managed in advance within financial institutions. It is possible to easily check whether the recipient is correct. In addition, it becomes possible to prevent damage such as unauthorized use due to theft or loss in the drawer.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the flowcharts of FIGS. 6, 7, 8, and 9.

  The flowchart of FIG. 6 shows the operation of the system when issuing a check book to a person who opened an account at the financial institution within the financial institution. In a financial institution, a biometric information sensor (FIG. 1, 1004) connected to the information processing system shown in FIG. When it is held over a sensor (FIG. 1, 1004, ie, FIG. 6, 6001), the biometric information of the account holder is read from the biometric information sensor, and this is received by the computer (FIG. 1, 1002). When it is confirmed on the computer side that biometric information has been input (FIG. 6, step 6002), the system waits for an instruction to register the biometric information in the check book with a built-in IC, and repeats steps 6006 and 6007. . By the way, if the biological information is not input from the biological information sensor in step 6002, the process waits until the biological information is input (step 6003). Subsequent to step 6002, if a biometric information registration instruction is input from the keyboard 6004 (6005), this is detected in step 6006, and the input biometric information of the account holder is encrypted (step 6008). Thereafter, the encrypted biometric information is transmitted to the IC reader / writer device (6010), and written in the ICs incorporated in all the checks constituting the check book in the form shown in FIG. 4 (step 6009). . Here, it is assumed that ID information for identifying a check is already written in each IC built in each check constituting the check book. When the process shown in FIG. 6 is completed, the financial institution issues the check to the account opener.

  Next, when the account opener who received the check book, that is, the banker (hereinafter referred to as the banker) issues a check to the recipient who receives the specified amount, it is installed on the banker side. The processing flow of the information processing system (FIG. 2) will be described with reference to the flowchart of FIG. In the information processing system installed on the side of the maker shown in FIG. 2, the writer sends a part of the recipient's body to the biometric information sensor (FIG. 2, 2003, ie, FIG. 7, 7003). A part of the recipient's body is held over the biometric information sensor (7003), and the drawer shows the name of the recipient from the keyboard (FIG. 2, 2002, ie, FIG. 7, 7004). When the information for identifying the holder of the biometric information is input, the computer detects that the biometric information of the recipient and the holder information of the biometric information, that is, the information for identifying the recipient are input (see FIG. 7 steps 7002, 7006, 7007). If not detected, the input is kept waiting (step 7001). When an input is detected in step 7006, the computer determines from the input information whether the input information is the biometric information of the payer, the biometric information of the recipient, or the transfer amount information (step 700). 7006, 7007, 7008), and waits for input until all information of the biometric information of the payer, the biometric information of the payee, and the transfer amount information is input (step 7001). The biometric information of the payer and the information for identifying the payee are also input to the computer by the biometric information sensor (7003) and the keyboard (7004) by the above-described recipient biometric information acquisition process and method (step 7002 in FIG. 7). 7006). When the withdrawal amount information is inputted from the keyboard (7004) by the person who made the withdrawal, this is also held in the computer (FIG. 7, steps 7005, 7006, 7007, 7008). When the input of all the information of the recipient's biometric information and identification information, the biometric information of the payer and its identification information, and the payment amount information is completed, the computer waits for an instruction to write information to the IC of the check ( Steps 7009 and 7011). Here, the issuer cuts out an arbitrary check from the checkbook issued by the financial institution, sets the check in the IC reader / writer device (7014), and writes to the IC from the keyboard (7004) by the issuer. When an instruction is input (step 7010), when the computer receives an instruction to write to the IC (step 7011), the computer stores the biometric information (and identification information) of the drawer and the recipient's biological information (and identification information). ), The transfer amount information is collectively encrypted and processed as one data file (step 7012). Subsequently, the encrypted information is written to the IC in the check via the IC reader / writer device (7014) (step 7014).

  Next, using the information processing system installed in the financial institution shown in FIG. 1 when the check is brought into the financial institution by the recipient who has received the check drawn from the originator. A flow of a series of processing for confirming the authenticity of the check brought in will be described with reference to the flowcharts of FIGS. The check brought in by the recipient is set in the IC reader / writer device (FIG. 1, 1005, ie, FIG. 8, 8005) of the information processing system shown in FIG. (FIG. 1, 1002, ie, FIG. 8, 8002), when an instruction to read information recorded in the IC built in the check is input from the keyboard (FIG. 1, 1003, ie, FIG. 8, 8005), The computer in the financial institution waiting for an event (FIG. 8, steps 8001 and 8003) detects a read instruction event from the IC (step 8003), and the IC reader / writer device (FIG. 8, 8005) ID information of the check recorded in the ID information storage area (FIG. 5, 5003) in the check IC recorded in the IC The biometric information of the cradle person recorded in the biometric information storage area (FIG. 5, 5005), and the encrypted biometric information of the cradle person stored in the shake-related information storage area (FIG. 5, 5006) (and The identification information), the recipient's biometric information (and its identification information), and the withdrawal amount information are instructed to be read (FIG. 8, step 8004). The IC reader / writer receives the read instruction, and from the IC built in the check, the above-mentioned information, that is, the ID information of the check, the biometric information of the maker who was recorded at the time of delivery, and the information recorded at the time of evacuation Then, the encrypted biometric information (and identification information thereof), the recipient's biometric information (and identification information) and the transfer amount information are read out, and the information is notified to the computer (step 8007). The computer side waits for reception until the series of read information is received (step 8006). When the computer receives the series of information returned in step 8007 (step 8008), the personal information / check information storage device (FIG. 1, 1006, ie, FIG. 8) uses the received check ID information as a key. 8010), from the check information table (FIG. 8, 8011, ie, FIG. 10), the account number (FIG. 10, 10001) corresponding to the check ID information, and the account opener name (FIG. 10, 10002). The invalid flag (FIG. 10, 10004) is searched (step 8009). If the information does not hit as a result of the search, the display screen (FIG. 1, 1003) indicates that the search has not been hit, and the series of processing ends (FIG. 8, step 8014). If the information hits as a result of the search in step 8012, the invalid flag information is extracted from the search result, and it is determined whether the flag information is invalid, that is, in this case, “on” (step 8013). Of course, the invalid flag information is information for determining whether it is valid or invalid, so any information format may be used as long as this purpose is satisfied. If it is invalid in step 8013, that is, “on”, a message indicating that the check is over is displayed on the display, and a series of processing is terminated (step 8014). If it is not invalid, the process proceeds to the flowchart shown in FIG. 9, and the personal information / check information storage is performed using the account number information of the check issuer as one of the result information retrieved in the previous step as a key. From the biometric information table (FIGS. 9, 9003, ie, FIG. 11) held in the storage device (FIG. 1, 1006, ie, FIG. 9, 9002), the biometric information of the account opener corresponding to the account number ( 11 and 11002) are searched (step 9001).

  One arbitrary check is cut out from the issued check book, a session end process is performed with a computer owned or managed by the credit card company (5003), and a series of processes is ended. As a result of the search, if the information does not hit (FIG. 9, step 9004), the display screen (FIG. 1, 1003) indicates that the search has not been hit, and the series of processing ends (FIG. 8, Step 8014). In step 9004, if the information hits as a result of the search, this biometric information is held in the system, and the encrypted biometric of the extracted person, which is the result information searched in step 8007 in FIG. The information (and its identification information), the recipient's biometric information (and its identification information), and the withdrawal amount information are decrypted (FIG. 9, step 9005). As a result of decryption, the amount information obtained is displayed on the display (step 9006), and it is easy to confirm whether the employee (banker) of the financial institution is different from the amount information written on the check. To. Next, as a result of the search in step 9001, the biometric information of the account opener shown in 110022 of FIG. 11 obtained and recorded in the biometric information storage area (FIG. 5, 5005) of the payer in the IC of the check. An authentication process is performed to determine whether or not the biometric information has been matched (FIG. 9, step 9007). As a result of the authentication, if it fails (step 9008), the fact that the authentication process of the originator has failed is displayed on the display screen (FIG. 1, 1003), and the series of processing ends (FIG. 8, step 8014). If authentication is successful in step 9008 in FIG. 9, the computer waits for input of biometric information of the recipient of the check from the biometric information sensor (FIG. 1, 1004, ie, FIG. 9, 9011) (FIG. 9). , Steps 9009, 9012). When the recipient holds the body part over the biological information sensor (FIG. 1, 1004, ie, FIG. 9, 9011) of the information processing system of the financial institution and the biological information is input (FIG. 9, step 9010, 9012), authentication of whether the recipient's biometric information input in step 9010 matches the recipient's biometric information read in FIG. 8 and step 8007 and decrypted in FIG. 9 and step 9005 Processing is performed (step 9013 in FIG. 9). If the authentication fails (step 9014), the display screen (FIG. 1, 1003) displays a message indicating that the authenticating person has failed, and the series of processing ends (FIG. 8, step 8014). In FIG. 9, step 9014, if the authentication is successful, the computer displays on the display that the authentication process is successful, and ends the series of processes (FIG. 9, step 9015).

  In the embodiment described above, the ID information recorded in the check, the biometric information of the payer recorded at the time of delivery, the biometric information of the recipient, and the biometric information of the payer recorded at the time of the check are issued. A series of information such as monetary information is used to perform authentication processing and show how to check whether the check is authentic. If the system does not exist, the check ID information recorded in the ID information storage area of FIG. 5 and 5003 in advance in each check IC shown in FIG. 5 when the check is issued, and FIG. No. 5005 The person who made the authentication process using the biometric information of the person who was recorded in the biometric information storage area and omitted the authentication process related to other information, that is, the check is authentic. Is certain It goes without saying that it can be recognized.

The system block diagram which showed an example of the structure of the information processing system installed in the financial institution for implement | achieving this invention. The system block diagram which showed an example of the structure of the information processing system which an originator manages for implement | achieving this invention. The figure which showed an example of the internal structure of a check by this invention. The figure which showed an example of implementation of the data registration to a check book by this invention. The figure which showed an example of the internal structure of IC built in the check by this invention. The flowchart which shows an example of implementation by this invention. FIG. 6 is a continuation of a flowchart illustrating an example implementation in accordance with the present invention. FIG. 6 is a continuation of a flowchart illustrating an example implementation in accordance with the present invention. FIG. 6 is a continuation of a flowchart illustrating an example implementation in accordance with the present invention. The figure which showed an example of the check information table which the information processing system in a financial institution manages for implement | achieving this invention. The figure which showed an example of the biometric information table which the information processing system in a financial institution manages for implement | achieving this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1001 ... Financial institution, 1002 ... Computer main body (CPU device) of information processing system installed in financial institution, 1003 ... Keyboard and display device, 1004 ... Biological information sensor, 1005 ... IC reader / writer device, 1006 ... Personal information / Check information storage device, 1007 ... Encryption / decryption processing program, 1008 ... Biometric information sensor control program, 1009 ... Biometric authentication program, 1010 ... IC reader / writer control program, 2001 ... Information processing system installed on the maker side Computer body (CPU device), 2002 ... Keyboard and display device, 2003 ... Biometric information sensor, 2004 ... Encryption / decryption processing program, 2005 ... Biometric information sensor control program, 2006 ... Biometric authentication program, 3001 ... Stamp, 3002 ... Non-contact type IC, 3003 ... Non-contact type IC antenna, 4001 ... Check, 4002 ... Non-contact type IC, 4003 ... Non-contact type IC antenna, 4004 ... Check book, 4005 ... IC reader / writer device Data accompanying read / write antenna, 5001 ... Non-contact type IC, 5002 ... Storage unit for storing ID information (ROM or PROM), 5003 ... ID information storage area, 5004 ... Storage unit (PROM), 5005 ... Drawer Biometric information storage area, 5006 ... Ejection related information storage area, 5007 ... Internal bus, 5008 ... Calculation / control section, 5009 ... I / O control section, 5010 ... Antenna, 10001 ... Account number information storage field in check information table, 10002 ... Account opener name information storage field in the check information table 10003 ... Check ID information storage field in check information table, 10004 ... Invalid flag information storage field in check information table, 11001 ... Account number information storage field in biometric information table, 11002 ... Account opener information storage field in biometric information table .

Claims (4)

A reader / writer device capable of reading and writing information to a non-contact type IC, a biological information sensor, and the reader / writer device and the biological information sensor are connected to control the reader / writer device and the biological information sensor. In a system composed of a computer that stores information and ID information and includes a biometric authentication program and a cryptographic processing program, the system is installed in a financial institution,
Prepare a check with built-in small non-contact I type C that can add information and cannot record once recorded information,
Each unique ID information is stored in advance in the non-contact type IC in the check, and when the check is issued, each ID information of the plurality of checks to be issued is associated with information capable of specifying the recipient. Registered in advance in the computer,
The biometric information sensor obtains the biometric information of the check issuer who is the grantee, encrypts the biometric information, associates it with information that can identify the grantee, and registers it in the computer,
Encrypted and recorded the encrypted biometric information in all non-contact ICs built in all checks issued to the delivery destination,
When the payee brings the check into the financial institution, the check ID information and the encrypted biometric information of the payer are read from the IC incorporated in the check by the reader / writer device, and the encryption is performed by the computer. The ID information and biometric information that has been decrypted and recorded in advance in the computer are retrieved, biometric authentication processing is performed on the biometric information, and the check originator is the same as the originator indicated on the check A check method for authenticity of a check using an IC, characterized in that it can be easily confirmed whether or not the check is authentic and whether or not the check is authentic can be determined. 2. The non-contact type according to claim 1, wherein the system is also installed at a place where the check drawer is located, and when the check is drawn, the recipient's biological information is read from the biological information sensor and encrypted. Record in IC,
When the payee brings the check into a financial institution, the check ID information recorded at the time of check delivery from the IC built in the check and the encrypted biographer's biometric information, and the check The recipient's biometric information that is sometimes recorded is read out by the reader / writer device, the encrypted information is decrypted, and the ID information and biometric information recorded in advance in the computer are searched to obtain the biometric information. For, we perform the authentication process, determine whether the originator is the same,
Obtain the recipient's biometric information from the biometric information sensor connected to the system in the financial institution, perform biometric authentication processing to determine whether it matches the recipient's biometric information recorded on the check, and issue the check It is possible to determine whether the check is authentic by easily confirming whether the person and the payee are the same as the originator and payee indicated on the check, respectively. Authenticity confirmation method using IC. In claim 2, when the check is issued, the biometric information of the payer and the biometric information of the recipient are read from the biometric information sensor, and the two pieces of biometric information are combined and encrypted together. Record in contact IC,
When the payee brings the check into a financial institution, the ID information previously recorded when the check is issued from the IC incorporated in the check, the encrypted biometric information of the payer, and the check Read the recorded biometric information of the recipient and the writer from the reader / writer device, perform the decryption process on the cipher information, and search the ID information and biometric information recorded in advance in the computer, The biometric information is subjected to authentication processing, and it is determined whether the biometric information of the two drawers recorded in the IC in the check is the same,
Obtain the recipient's biometric information from the biometric information sensor connected to the system in the financial institution, authenticate whether it matches the recipient's biometric information recorded in the IC in the check, and issue the check And the payee can easily determine whether the check is authentic by being able to easily check whether the payee and the payee listed on the check are the same. How to check the authenticity of a check using. In claim 3, when the check is issued, the information on the amount of money input from the system, the biometric information of the recipient input from the biometric information sensor, and the biometric information of the payer are combined together. And record it in a non-contact IC built in the check,
When the payee brings the check into a financial institution, the ID information previously recorded when the check is issued from the IC incorporated in the check, the encrypted biometric information of the payer, and the check ID information and biometric information recorded in advance in the computer are read out from the reader / writer device by reading the encrypted and recorded biometric information and transfer amount information of the payee from the reader / writer device. The biometric information is subjected to authentication processing, and it is determined whether the biometric information of the two drawers recorded in the IC in the check is the same,
Obtain the recipient's biometric information from the biometric information sensor connected to the system in the financial institution, authenticate whether it matches the recipient's biometric information recorded in the IC in the check, and issue the check And the beneficiary can easily determine whether the issuer and the payee indicated on the check are the same as the payout amount, so that the check can be judged as authentic. A method for confirming the authenticity of a check using an IC.

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