JP2007301860A - Financial information protecting sheet - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a financial information protecting sheet which is capable of easily bringing indicated financial information into an unreadable state. <P>SOLUTION: The sheet comprises a base 10, a peeling layer 20 formed at least in a part of the surface of the base 10, an image receiving layer 30 laid on the peeling layer 20, and an information indicating part 40 formed on the image receiving layer 30 and indicating the financial information relevant to a specified person or corporation. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a sheet for protecting financial information, which is information relating to credit card settlement and bank transactions, such as a credit card number, card expiration date, and bank account number.

  Conventionally, when using an automatic teller machine (ATM) or a cash dispenser (CD), a usage statement has been issued. In addition, when making a payment with a credit card at the store, a usage slip is issued.

  The information displayed on the usage statement and the usage slip includes personal financial information such as an account number, a credit card number, and a card expiration date, in addition to information such as a usage date and a store number.

  In some cases, a financial institution or a credit card company notifies an account or a card holder of some communication items. For example, a case where a credit company notifies a change in the usage limit or a case where a credit card usage statement is sent.

  Such personal financial information is often less sensitive to information leaks than personal information such as address and name, cash card usage statement, credit card usage slip, credit card usage statement Are often discarded without being shredded.

  However, in recent years, fraud techniques using these financial information have also appeared.

  For example, even if a malicious person knows a bank account number, a deposit cannot be withdrawn without knowing a PIN. However, since it is easy for a malicious person to transfer money to an account with a known number, there may be cases where a debt can be created without permission by transferring the money without permission from the account holder. This technique is called “pushing out”.

  In addition, with the spread of electronic commerce through the Internet in recent years, there have also appeared sites where products can be purchased simply by inputting a credit card number and a card expiration date. Therefore, when a malicious person knows the credit card number and the expiration date of the card, the payment may be made without permission from the card holder. This trick is called “spoofing”

  In this way, even if only financial information is known, there is a possibility of being attacked by a malicious person, so when disposing of the usage statement, the financial information described should be made unreadable. Is preferred.

As a prior art for making the described information unreadable, there is a “personal information protection sheet” disclosed in Patent Document 1.
In the invention disclosed in Patent Document 1, an area in which personal information is described can be separated from a sheet, and the separated portion is divided into a plurality of pieces along a cut line.
JP 2004-317875 A

  However, in the invention disclosed in Patent Document 1, the collected information can be restored by collecting the divided pieces of paper. For this reason, even if the area in which the information to be protected is described is fragmented, there is a possibility that the information leaks.

  This invention is made | formed in view of this problem, and it aims at providing the financial information protection sheet which can make the displayed financial information into an unreadable state easily.

  In order to achieve the above object, the present invention provides, as a first aspect, a substrate, a release layer formed on at least a part of the surface of the substrate, an image receiving layer laminated on the release layer, and an image receiving A financial information protection sheet having an information display unit formed on a layer and showing financial information related to a specific individual or corporation is provided.

  Moreover, in order to achieve the said objective, this invention is formed as a 2nd aspect on a base material, the peeling layer formed in at least one part of the surface of a base material, a peeling layer, and a specific individual. Or the financial information protection sheet | seat which has an information display part which shows the financial information relevant to a corporation is provided.

  In the first or second aspect of the present invention, it is preferable that the information display unit is bent and crimped so as to be inside.

  In order to achieve the above object, as a third aspect, the present invention provides a base material, a pressure-bonding layer formed on the surface of the base material, a release layer formed on the pressure-bonding layer, and a release layer. It has an image receiving layer laminated on it, and an information display unit that is formed on the image receiving layer and shows financial information related to a specific individual or corporation, and is folded and crimped so that the information display unit is on the inside. The present invention provides a financial information protection sheet characterized by the above.

  In order to achieve the above object, as a fourth aspect, the present invention provides a base material, a pressure-bonding layer formed on the surface of the base material, a release layer formed on the pressure-bonding layer, and a release layer. A financial information protection sheet formed on and having an information display section showing financial information related to a specific individual or corporation, and being folded and crimped so that the information display section is on the inside It is to provide.

  ADVANTAGE OF THE INVENTION According to this invention, the financial information protection sheet which can make the displayed financial information into an unreadable state can be provided.

First, the outline of the present invention will be described with reference to FIG.
The financial information protection sheet of the present invention is a surface-inactive energy ray-curable resin layer as a release layer 20 on one surface of a base material 10 for displaying financial information, and a resin having a low cohesive force as an image receiving layer 30. It is the sheet | seat which laminated | stacked the layer in order. The image receiving layer 30 has low adhesion to the release layer 20, and is peeled off from the interface with the release layer 20 when a force substantially parallel to the substrate is locally applied (rubbed with a coin or a nail). In the financial information protection sheet in which the financial information is displayed on the surface of the image receiving layer 30 by the information display unit 40 formed by a known printing method (formation with a printer using ink, toner, or formation by handwriting with printing or pencil). By rubbing the image receiving layer 30 with a coin, a nail or the like, the financial information (information display unit 40) displayed on the surface of the image receiving layer 30 can be peeled off together. Thereby, leakage of financial information from the discarded financial information protection sheet can be prevented.

  Moreover, as shown in FIG.1 (b), you may form only the surface-inactive energy-beam curable resin layer as the peeling layer 20 in one surface of the base material 10. FIG. In this case, the information display part 40 formed on the peeling layer 20 can be peeled by rubbing the peeling layer 20 with a coin or a nail.

In the following embodiments, a configuration including the image receiving layer 30 will be described as an example. However, even in a configuration without the image receiving layer 30, a similar effect (an effect that can make financial information unreadable) can be obtained. .
Moreover, although the case where financial information has been printed as the information display part 40 on the image receiving layer 30 is taken as an example, the information display part 40 may be in an unformed state. In this case, it goes without saying that the financial institution or card company can print information related to the nonvolatile information 100 as the information display unit 40 on the financial information protection sheet by a known printing method.

[First Embodiment]
A first embodiment in which the present invention is suitably implemented will be described.
Fig.1 (a) is the figure which showed the cross section of the financial information protection sheet concerning this embodiment.
As shown in FIG. 1A, the financial information protection sheet is composed of a base material 10, a release layer 20, and an image receiving layer 30, and the release layer 20 and the image receiving layer 30 are arranged in this order on one surface of the base material 10. Are stacked. Financial information is displayed on the image receiving layer 30 by an information display unit 40 formed by a known printing method. On the base material 10, the peeling layer 20 and the image receiving layer 30 are laminated by a technique such as offset printing, screen printing, gravure printing, flexographic printing, etc., but if these layers do not need to be formed to be particularly thick, the cost is reduced. From the side, offset printing and flexographic printing are preferable.

[Base material]
The base material 10 can be appropriately selected from known materials. For example, paper (quality paper, coated paper, kraft paper, etc.), polyester film (polyethylene terephthalate, polyethylene terephthalate / isophthalate copolymer, etc.), polyolefin film (polyethylene, polypropylene, polymethylpentene, etc.), plastic film (polychlorinated) Vinyl film, ethylene vinyl alcohol copolymer film, polycarbonate film, polyamide film, etc.) and synthetic paper made of polyolefin.

[Peeling layer]
The release layer 20 uses an ultraviolet curable resin such as urethane acrylate or epoxy acrylate, or an electron beam curable resin. Other materials include solvent-type thermoplastic resins (vinyl chloride / vinyl acetate copolymer resins, acrylate / styrene copolymer resins, nitrocellulose, maleic acid resins, etc.), water-soluble resins (polyvinyl alcohol, polyvinyl acetate, etc.). Pyropidone etc.), various acrylic copolymer resins, polyurethanes, etc. can be used alone, or a release agent such as silicon resin can be added to these.

  The release layer 20 is formed by curing a mixture comprising a monomer, a synthetic resin, a reaction initiator, and a release agent. The monomer serves as a reactive diluent and serves to adjust the viscosity of the mixture. The synthetic resin is a main component of the resin component constituting the release layer 20. The initiator promotes the curing (drying) reaction of the mixture. The release agent gives the release layer 20 release properties.

[Image receiving layer]
The image receiving layer 30 uses an ultraviolet curable resin or the like. The image receiving layer 30 is formed by curing a mixture of a pigment, a synthetic resin, a reaction initiator, and a release agent. Note that the image receiving layer 30 may or may not contain a pigment. If not, the content of other composition materials increases.
The pigment has properties as an extender pigment and a color pigment. The property as an extender is to give the binder material thixotropy (the viscosity decreases when stress is applied), and the property as a coloring pigment is to color the binder material. An example of the color pigment is titanium white. The monomer is used as a reactive diluent and serves to adjust the viscosity. Synthetic resins are the main component of the resin component constituting the image receiving layer. The reaction initiator is for accelerating the curing (drying) reaction of the mixture, and the release agent is for imparting release characteristics to the image receiving layer 30.

  The financial information protection sheet according to the present embodiment can print regardless of the thickness of the image receiving layer 30. Further, the image receiving layer 30 cannot be peeled from the release layer 20 unless the image receiving layer 30 has a certain thickness. A thicker image receiving layer 30 (1 μm or more) has better friction resistance, but even when the image receiving layer 30 is thin (0.5 μm or less), the friction resistance is improved due to the influence of the substrate 10.

FIG. 2 is a diagram showing a state in which the image receiving layer 30 is scraped off from the release layer 20.
As shown in FIG. 2, the image receiving layer 30 is formed on the image receiving layer 30 by scraping the image receiving layer 30 with coins, nails or the like (in other words, by rubbing the image receiving layer 30 while applying a pressure of a predetermined value or more). The information display unit 40 is also peeled off and removed from the peeling layer 20 at the same time. The adhesion between the image receiving layer 30 and the release layer 20 can be adjusted by the composition of the mixture that forms the respective bases of the release layer 20 and the image receiving layer 30.

  The financial information protection sheet according to the present embodiment is applied as a credit card usage statement as shown in FIG. 3 or a financial institution usage statement as shown in FIG. The credit card usage details shown in FIG. 3 are sent to the user (card holder) by mail, and the financial institution usage details shown in FIG. When a CD is used, one sheet is cut out from the roll paper, financial information is printed, and issued from ATM or the like.

  As shown in FIG. 3 and FIG. 4A, the financial information is usually printed only on a part of the financial information protection sheet. For example, in the case of a statement of use of a financial institution having a configuration including the image receiving layer 30, leakage of financial information can be prevented by removing the image receiving layer 30 only for the account number as shown in FIG. Unlike conventional so-called “scratch cards”, it is not necessary to scrape off all of the image receiving layer 30, so that shavings can be minimized. In addition, it is preferable to form the image receiving layer 30 only in the minimum necessary area capable of displaying financial information because not only scraping scraps can be minimized but also the material of the image receiving layer 30 can be saved.

  In addition, since it is difficult for the financial information protection sheet concerning this embodiment to make a user recognize that the image receiving layer 30 can be peeled from the peeling layer 20 only by the external appearance, as shown in FIG. In order to inform the user that the peelable layer 20 can be peeled off, it is preferable to display it as an alert display unit 50 at an arbitrary position on the financial information protection sheet. However, if the display position is on the release layer 20, the portion may be peeled off. Therefore, the fact that the image receiving layer 30 can be peeled from the release layer 20 means that the release layer 20 is not formed. It is preferable to display in the area. If the release layer 20 or the image receiving layer 30 is formed by printing colored ink, it is possible to reduce the man-hour that the image receiving layer 30 can be peeled from the release layer 20 if they are simultaneously formed by printing when forming them. Can be displayed without increasing. The display format of the alert display unit 50 is not limited as long as it allows the user to recognize that the image receiving layer 30 can be peeled off, such as characters and patterns (for example, an image diagram cut with a coin).

  In the financial information protection sheet according to the present embodiment formed as described above, even if the image receiving layer 30 is rubbed with a small surface pressure (for example, rubbed with a finger belly or an eraser), the rubbed portion is the release layer 20. Is not peeled off, but when rubbed with a large surface pressure (for example, rubbed with a coin or a nail), the rubbed portion peels off from the release layer 20.

  Even when an adhesive tape is attached to the image receiving layer 30, the force does not concentrate locally on the image receiving layer 30 when the adhesive tape is peeled off, so the image receiving layer 30 does not peel off. The conventional so-called “scratch card” takes into account that the concealing layer (silver layer) is peeled off when the adhesive tape is applied to the surface and peeled off, the image receiving layer 30 and the peeling layer 20 in the financial information protection sheet according to this embodiment. Can be said to be higher than the concealing layer of the conventional scratch card.

In the financial information protection sheet according to the present embodiment, the image receiving layer 30 is peeled and removed from the release layer 20 by rubbing the image receiving layer 30 while applying a pressure of a predetermined value or more. When financial information is displayed on the display unit 40, it is peeled off and removed at the same time. Therefore, when the financial information protection sheet on which the financial information is printed is discarded, the financial information can be made unreadable by a simple operation, and leakage of the financial information from the waste can be prevented.
In addition, since it is impossible to restore the financial information from the image receiving layer 30 that has been scraped off from the release layer 20, there is no possibility that the financial information leaks from the scraped residue.

  Note that the peeling layer 20 may be formed only on the portion where the financial information that needs to be unreadable is printed, so that the image receiving layer 30 can be peeled off. In the above example, the image receiving layer 30 can be peeled off at the portion where the account number, credit card number, and card expiration date are printed, and the image receiving layer 30 cannot be peeled off at the portion where the transaction date and store number are printed. Also good.

[Second Embodiment]
A second embodiment in which the present invention is suitably implemented will be described.
As shown in FIG. 6, the financial information protection sheet according to the present embodiment is a tri-fold postcard sheet, and an information display unit 40 is provided on a surface to be bonded to display financial information. This financial information protection sheet is used as a postcard (tri-fold postcard) which prints a notice sentence such as a limit amount and sends it to the user.
The structure of the laminated structure used as the base of the financial information protection sheet concerning this embodiment is shown to Fig.7 (a), (b). As shown in the drawing, in this embodiment, a pressure-bonding layer 80 is provided on the base material 10 regardless of the presence or absence of the image receiving layer 30.
As shown in FIG. 8, the pressure-bonding layer 80 is not provided in the vicinity of one of the four corners of the base material 10, and this part forms a peeling margin 90.

In such a laminated structure, the pressure-bonding layer 80 is exposed on the surface of the portion where the release layer 20 and the image receiving layer 30 are not formed. Therefore, when the base material 10 is folded at a predetermined position and pressed, the base material 10 that has been folded in three is pasted through the pressure-bonding layer 80, and the size of the postcard becomes large.
Note that if the image receiving layer 30 is provided in the vicinity of the peripheral edge of the financial information protection sheet, there is a risk that the crimping may be incomplete. Therefore, the image receiving layer 30 should be provided at a predetermined distance from the peripheral edge of the financial information protection sheet. Is preferred.

  The financial information protection sheet folded and bonded in this manner can peel the interface between the pressure-bonding layers 80 starting from the peeling margin 90.

  After interfacial peeling between the pressure-bonding layers 80 and exposing the information display unit 40, the financial information can be easily illegible as in the first embodiment.

As shown in FIG. 9, the pressure-bonding layer 80 may not be provided only in the portion that contacts the image receiving layer 30. In this way, there is no possibility that the information display unit 40 will accidentally drop off both the image receiving layer 30 when the bonded financial information protection sheet is peeled off.
Further, if the financial information protection sheet can be folded and pasted, as shown in FIGS. 10A and 10B, the pressure-bonding layer 80 may be provided only on one of the surfaces to be pasted. good.

[Third Embodiment]
A third embodiment in which the present invention is preferably implemented will be described.
The financial information protection sheet according to the present embodiment is a tri-fold postcard type sheet as in the second embodiment, and is used as a postcard (tri-fold postcard) that prints a notice and sends it to the user. It is.
In FIG. 11, the structure of the laminated structure used as the base of the financial information protection sheet concerning this embodiment is shown.
As shown in FIGS. 11A and 11B, in this embodiment, a pressure-bonding layer 80 is provided on the peripheral edge of the base material 10. The pressure-bonding layer 80 is not provided in the vicinity of one of the four corners of the base material 10, and this part forms a peeling margin 90.

  Similar to the second embodiment, the base material 10 is folded at a predetermined position and pressed, so that the base material 10 that is tri-folded is pasted through the pressure-bonding layer 80 and becomes a large postcard size.

  Since other aspects are the same as those in the second embodiment, description thereof will be omitted.

In addition, the said embodiment is an example of suitable implementation of this invention, and this invention is not limited to this. For example, in the case of a configuration including an image receiving layer, the release layer and the image receiving layer are not necessarily formed with the same size (area). That is, the image receiving layer may be laminated only on a part of the peeling layer, or a part of the image receiving layer may protrude from a region where the peeling layer is not formed.
In addition to the portion where the financial information is displayed, the separation mechanism similar to the above embodiment is provided for the portion where other personal information (such as the name and address of the account holder) is displayed to facilitate personal information. It may be possible to make it unreadable.
As described above, the present invention can be variously modified.

It is a figure which shows the basic composition of the laminated structure used as the base of the financial information protection sheet concerning this invention, (a) is a layer structure in the case of providing an image receiving layer, (b) is a layer structure which is not provided with an image receiving layer. Indicates. It is the figure which showed a mode that the information display part was removed with the image receiving layer. It is a figure which shows the usage specification of the credit card to which the financial information protection sheet concerning 1st Embodiment which implemented this invention suitably is applied. (A) is a figure which shows the use specification of the cash card to which the financial information protection sheet concerning 1st Embodiment is applied, (b) is a figure which shows the state which made financial information unreadable. It is a figure which shows an example of the financial information protection sheet provided with the alerting display part. It is a figure which shows the external appearance of the financial information protection sheet which concerns on 2nd Embodiment which implemented this invention suitably. It is a figure which shows the structure of the laminated structure used as the base of the financial information protection sheet concerning 2nd Embodiment, (a) is a layer structure in the case of providing an image receiving layer, (b) does not provide an image receiving layer. The layer structure is shown. It is a figure which shows the example of arrangement | positioning of the information display part of the financial information protection sheet concerning 2nd Embodiment. It is a figure which shows the modification structural example of the information display part of the financial information protection sheet concerning 2nd Embodiment. It is a figure which shows the modification structural example of the information display part of the financial information protection sheet concerning 2nd Embodiment. It is a figure which shows the structure of the laminated structure used as the base of the financial information protection sheet concerning 3rd Embodiment which implemented this invention suitably, (a) is a layer structure in the case of providing an image receiving layer, (b) Indicates a layer structure without an image receiving layer.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Base material 20 Peeling layer 30 Image receiving layer 40 Information display part 50 Warning display part 80 Crimping layer 90 Peel off

Claims (5)

A substrate;
A release layer formed on at least a part of the surface of the substrate;
An image receiving layer laminated on the release layer;
A financial information protection sheet having an information display unit formed on the image receiving layer and showing financial information related to a specific individual or corporation. A substrate;
A release layer formed on at least a part of the surface of the substrate;
The financial information protection sheet which has an information display part which shows the financial information relevant to a specific individual or a corporation formed on the peeling layer.   The financial information protection sheet according to claim 1 or 2, wherein the information display section is bent and crimped so as to be inside. A substrate;
A pressure-bonding layer formed on the surface of the substrate;
A release layer formed on the pressure-bonding layer;
An image receiving layer laminated on the release layer;
An information display unit formed on the image receiving layer and showing financial information related to a specific individual or corporation;
A financial information protection sheet, wherein the information display portion is bent and crimped so as to be inside. A substrate;
A pressure-bonding layer formed on the surface of the substrate;
A release layer formed on the pressure-bonding layer;
An information display unit formed on the release layer and showing financial information related to a specific individual or corporation;
A financial information protection sheet, wherein the information display portion is bent and crimped so as to be inside.

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