WO2004012112A1 - Carte de compte financier et systeme de carte de compte financier - Google Patents

Carte de compte financier et systeme de carte de compte financier Download PDF

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Publication number
WO2004012112A1
WO2004012112A1 PCT/JP2002/007544 JP0207544W WO2004012112A1 WO 2004012112 A1 WO2004012112 A1 WO 2004012112A1 JP 0207544 W JP0207544 W JP 0207544W WO 2004012112 A1 WO2004012112 A1 WO 2004012112A1
Authority
WO
WIPO (PCT)
Prior art keywords
information
customer
account
card
unit
Prior art date
Application number
PCT/JP2002/007544
Other languages
English (en)
Japanese (ja)
Inventor
James Jay Skinner
Original Assignee
James Jay Skinner
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by James Jay Skinner filed Critical James Jay Skinner
Priority to PCT/JP2002/007544 priority Critical patent/WO2004012112A1/fr
Priority to AU2002320694A priority patent/AU2002320694A1/en
Priority to AU2003281706A priority patent/AU2003281706A1/en
Priority to PCT/JP2003/000835 priority patent/WO2004012113A1/fr
Publication of WO2004012112A1 publication Critical patent/WO2004012112A1/fr

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a financial account card used in a financial account card system in a financial institution or the like.
  • the present invention relates to a financial account input system that uses a financial account card in a financial institution or the like.
  • a bank card 800 conventionally used in a financial institution such as a bank includes a card base 810 and a magnetic band 820 built in the card base 810.
  • the force base 810 is made of plastic and is about 85 mm wide, about 44 mm long and about 0.5 mm thick.
  • the base of the force base 810 has a card type letter 832 to indicate the card type, for example, "bank card”, and a card type letter, for example, "1 2 3 4—56"
  • the account number character 834 to indicate the account number, the name of the financial institution such as "XY Z Bank” or the institution name character 836 to indicate the bank name, and the character "AB C child"
  • the customer name letter 838 to indicate the name of such cardholder (ie, the financial institution's "customer") is readable to the naked eye.
  • force information including a card type, an account number, a financial institution name, and a customer name is stored in the magnetic band 800.
  • An object of the present invention is to provide a structure in which a third party cannot read an account number even if a third party looks at the financial account card with the naked eye when using a financial account card such as a credit card, a debit card, or a cash card.
  • the present invention provides a financial account card and a financial account force system.
  • Another object of the present invention is that a third party obtains a financial account card of another person by an unauthorized method and reads the contents of the card information stored in the magnetic band of the financial account card using a device.
  • An object of the present invention is to provide a financial account card and a financial account card system configured so that even if it can be read, it is not possible to know a legitimate account number of the financial account card.
  • Still another object of the present invention is to enable a third party to obtain a financial account card of another person in an unauthorized manner and use the financial account card effectively even if the third party tries to use the financial account card. It is an object of the present invention to provide a financial account card and a financial account force system configured so as not to be able to do so.
  • the present invention relates to a financial account card for use in a financial institution, which comprises a portable, thin-plate force base, and a force information storage unit built into the card pace.
  • the force information storage unit is characterized in that the account number is stored using only electronic means and / or magnetic means so as to be invisible to the naked eye. With such a configuration, even if a third party obtains a financial account force in an unauthorized manner, the legitimate account number cannot be immediately known.
  • the card information storage unit of the financial account card stores the encrypted account number by electronic means and / or magnetic means.
  • the above-mentioned financial account power further comprises a power type identification mark for indicating the type of the financial account power, and the card type identification mark is formed so as to be visible to the naked eye. Is preferred.
  • the owner of the financial account card can easily know the type of the financial account card.
  • the financial account card further includes an owner identification mark for indicating an owner of the financial account card, and the owner identification mark is formed so as to be visible to the naked eye.
  • the owner of the financial account card and a third party can easily know the owner of the financial account.
  • the present invention provides a financial account system using a financial account card in a financial institution
  • a terminal information input unit for inputting customer information stored in the financial account card and for inputting transaction content information relating to the details of the transaction
  • an institution information processing unit for processing the transaction content information at the financial institution.
  • the terminal information input unit includes
  • Read customer information including encrypted account numbers, stored on a financial account card Means for reading customer information to take
  • Terminal information transmitting means for transmitting the customer information read by the customer information reading means and the bow (the bow I content information input from the content information input means to an institution information processing unit; Including
  • the institution information processing unit includes
  • An account information storage unit for storing customer account information including a customer's regular account number and an account balance corresponding to the regular account number
  • Terminal information receiving means for receiving the customer information and the bow I content information transmitted from the terminal information transmitting means
  • an account number decryption unit that decrypts the encryption and decrypts a legitimate account number
  • An account content change processing unit that changes an account balance in an account information storage unit corresponding to the decrypted regular account number based on the transaction content information
  • the terminal information transmitting unit and the terminal information receiving unit are connected by a communication system.
  • the transaction content information input means is configured to be able to input customer identification information for authenticating a customer
  • the terminal information transmitting means is configured to be able to transmit the customer specifying information to an institution information processing unit,
  • the terminal information accepting means is configured to accept the customer identification information transmitted from the terminal information transmitting means,
  • the institution information processing unit further includes: Comparing the customer identification information storage unit that stores the customer identification information in association with the customer's name, the customer identification information output by the terminal information receiving unit, and the storage content of the customer identification information storage unit Has a customer authentication department to authenticate customers,
  • the account number decryption unit executes an operation of decrypting the encrypted account number contained in the customer information and decrypting the regular account number.
  • the account content change processing unit is configured to execute an operation of changing an account balance in an account information storage unit corresponding to the decrypted regular account number based on the transaction content information, If the customer authentication unit does not authenticate the customer, the account number decryption unit does not execute the operation of decrypting the code for the encrypted account number included in the customer information, and changes the account content.
  • the processing unit is configured not to execute an operation of changing the account balance in the account information storage unit corresponding to the decrypted regular account number based on the transaction content information.
  • the customer identification information includes information on a password of the customer.
  • the customer specifying information includes information on an environmental characteristic of the customer.
  • Such a configuration ensures that the customer is authenticated using the customer's ecological characteristics. Even if a third party obtains a financial account card in an unauthorized manner, the third party cannot use the financial account card effectively.
  • the present invention provides a financial account system using a financial account card in a financial institution
  • a terminal information input unit for inputting customer information stored in the financial account card and for inputting transaction content information relating to the details of the transaction
  • an institution information processing unit for processing the transaction content information at the financial institution.
  • the terminal information input unit includes
  • Customer information reading means for reading customer information including the encrypted account number stored in the financial account card
  • an account number decryption unit that decrypts the encryption and decrypts a legitimate account number
  • the customer information read by the customer information reading means and terminal information transmission means for transmitting the transaction content information input from the transaction content information input means to an institution information processing unit,
  • the institution information processing unit includes
  • An account information storage unit for storing customer account information including a customer's regular account number and an account balance corresponding to the regular account number
  • Terminal information receiving means for receiving the customer information and the bow I content information transmitted from the terminal information transmitting means
  • An account content change processing unit that changes the account balance in the account information storage unit corresponding to the regular account number based on the transaction content information
  • the terminal information transmitting means and the terminal information receiving means are connected by a communication system. It is characterized by being continued.
  • the bowing I content information input means is configured to be able to input customer identification information for authenticating a customer
  • the terminal information transmitting means is configured to be able to transmit the customer specifying information to an institution information processing unit,
  • the terminal information accepting means is configured to accept the customer identification information transmitted from the terminal information transmitting means,
  • the institution information processing unit further includes:
  • the customer identification information storage unit that stores the customer identification information in association with the customer name, the customer identification information output by the terminal information receiving unit, and the storage content of the customer identification information storage unit And a customer authentication department for authenticating customers,
  • the account content change processing unit executes an operation of changing the account balance of the account information storage unit corresponding to the regular account number based on the transaction content information.
  • the account content change processing unit changes the account balance in the account information storage unit corresponding to the regular account number based on the transaction content information. It is preferable not to execute the operation for causing the image to be generated.
  • the above-mentioned financial account system further includes a card making unit, It has card data input means for inputting card storage information to be stored on the financial account card and card display information to be displayed on the financial account card.
  • the forced storage information includes a regular account number
  • the encryption processing storage means for storing the encryption processing for encrypting the account number, and the encryption processing storage means for storing based on the regular account number input to the card data input means.
  • a data storage unit for generating a data for storing the account number encrypted by the account number encryption unit in the financial account card
  • the account number decrypting means is configured to be able to decrypt the account number encrypted by the account number encrypting means and output a regular account number.
  • the account number decrypting means is configured to be able to decrypt the account number encrypted by the account number encrypting means and output a regular account number.
  • FIG. 1 is a block diagram showing a configuration of a terminal information input device and an institution information processing device in the first embodiment of the financial account card system of the present invention.
  • FIG. 2 is a block diagram showing a configuration of a force production device in the first embodiment of the financial account force system of the present invention.
  • FIG. 3 is a front plan view showing a financial account card in the first embodiment of the financial account card system of the present invention.
  • FIG. 4 is a block diagram showing a configuration of a terminal information input device and an institution information processing device in the second embodiment of the financial account card system of the present invention.
  • FIG. 5 is a plan view showing a conventional bank card.
  • a financial account system 100 using a financial account data storage at a financial institution is stored in a financial account card.
  • the terminal information input unit 110 and the institution information processing unit 140 are connected by a communication system 180.
  • “Financial institution” is a concept that encompasses banks, credit companies, cooperatives, pension companies, post offices, and securities companies. Therefore, the institutional information processing unit 140 is located in banks, credit companies, cooperatives, pension companies, post offices, securities companies, and the like.
  • the terminal information input unit 110 is located at branches, branches, department stores, stores, and other terminal installation locations such as banks, credit companies, cooperatives, pension companies, post offices, and securities companies. Financial institutions have multiple customers.
  • “Customer” is a concept that encompasses individuals, organizations, and corporations. Each customer has a financial account with a financial institution. '“Financial account” is a concept that encompasses credit, debit, deposit, and securities accounts. Each customer's financial account Has a "legal account number”. The “legal account number” is an account number used to identify the customer's financial account, which is usually used in alphanumeric characters and codes. Each customer has a financial account card issued by a financial institution with a financial account. “Financial account card” is a concept that includes credit cards, debit cards, and cash cards.
  • the terminal information input unit 110 is a customer information reading means for reading customer information including a regular account number and Z or an encrypted account number stored in a financial account card, that is, card data reading.
  • Device 1 1 2 transaction content information input means for inputting transaction content information such as transaction amount, transfer destination, financial institution to withdraw, etc., namely data input device 1 14, card data reader 1 1 2
  • a terminal for processing the customer information read by the terminal and the transaction content information input from the data input device 114 into data that can be transmitted and data that can be displayed.
  • the overnight input device 114 is configured to be able to input customer identification information for authenticating the customer.
  • the customer identification information includes information on the customer's PIN.
  • the terminal information input unit 110 is configured to include a customer characteristic input device 130 for inputting a characteristic of a customer as customer identification information.
  • customer characteristics is a concept that encompasses the customer's ecological characteristics, such as face shape (face), iris (iris), voiceprint, and fingerprint.
  • the terminal information input unit 110 further includes terminal information for transmitting the customer information and the transaction content information processed by the terminal data processing unit 116 to the institution information processing unit 140.
  • Transmission means that is, input of signals related to customer information and transaction content information output by the terminal data transmission unit 118 and the terminal data processing unit 116 to control the output of customer information and transaction content information
  • Terminal data output control unit 120 and a terminal data display for displaying customer information and transaction content information by inputting signals related to customer information and transaction content information output by the terminal data output control unit 120
  • a terminal data output device for inputting a signal relating to customer information and transaction content information output by the device 122 and the terminal data output control unit 120 and outputting the customer information and transaction content information.
  • the terminal data transmission unit 118 and the terminal data output control unit 120 are provided as computer software, create their operation contents and operation procedures in a program, and install this program in the computer. Good to do.
  • the terminal data display device 122 is composed of, for example, a cathode ray tube display device, a liquid crystal display and the like.
  • the terminal data output device 124 includes, for example, a printer, a magnetic tape recording device, or the like. That is, the terminal information input unit 110 includes, for example, a force reader, a computer, an input device, an output device, a fingerprint reader, a telephone, and the like.
  • the telephone is preferably composed of, for example, an ordinary wired telephone, a mobile telephone, a digital mobile telephone, or the like.
  • the institution's information processing section 140 has a processing content input device 144 for inputting the details of processing, data required for processing, etc., as well as a customer's regular account number and a regular account number.
  • Account information storage section 144 which stores customer account information including the account balance, and customer information and transaction content information transmitted from the terminal data transmission section 118 of the terminal information input section 110.
  • Terminal information accepting means for accepting, that is, data receiver A signal relating to customer information and transaction content output from the data receiving section 144 is input, and the customer information and transaction are output based on the signal relating to the processing content output from the processing content input device 144.
  • a reception data processor 148 for outputting a signal for processing the content information.
  • the institution information processing unit 140 includes, for example, a computer, a storage device, an input device, an output device, a telephone, and the like.
  • the storage device is configured by any one of a magnetic disk, a magnetic tape, an optical disk, and the like, or an appropriate combination thereof.
  • the telephone is composed of, for example, an ordinary wired telephone, a mobile telephone, a digital mobile telephone, or the like.
  • the institution information processing unit 140 further decrypts the “encrypted account number” included in the customer information and decrypts the “authorized account number” to obtain the account number decryption unit 150.
  • the customer information output by the decryption processing storage unit 152, which stores the details of the decryption process for decrypting the “encrypted account number”, and the reception data overnight processing unit 1 48
  • an account content change processing unit 154 for inputting a signal relating to transaction content information and changing the account balance of the account information storage unit 144 corresponding to the decoded “regular account number”.
  • the institution information processing section 140 further inputs the signals relating to customer information and transaction content information output by the reception data processing section 148, and changes in the account balance output by the account content change processing section 154.
  • a signal related to (content before change, content to be changed, content after change) is input, and an engine data output control section 160 for controlling output of customer information and transaction content information is provided.
  • Evening output control section 160 Inputs the customer information, transaction content information, and signal regarding the change in the account balance output by the 160, and institutional data for displaying the customer information, transaction content information, and the change in the account balance.
  • the customer information and the transaction content information and the signal regarding the content of the change of the account balance output from the display device 162 and the institution data output control unit 1660 are input, and the customer information and the transaction content And an engine data output device 164 for outputting information.
  • the institution data display device 162 is composed of, for example, a cathode ray tube display device, a liquid crystal display, or the like.
  • the engine output device 164 includes, for example, a printer, a magnetic tape recording device, a magnetic disk recording device, an optical disk recording device, and the like.
  • the institution information processing unit 140 further includes a customer identification information storage unit 166 that stores customer identification information corresponding to the name of the customer, and the customer output by the terminal information receiving unit.
  • a customer authentication unit 168 for authenticating the customer is provided by comparing the specific information with the storage content of the customer specific information storage unit 166.
  • the data receiving unit 144 of the institution information processing unit 140 is configured to be able to input customer identification information for authenticating the customer, and the data of the terminal information input unit 110
  • the input device 114 is configured to be able to input customer specific information, and the terminal data processing unit 116 of the terminal information input unit 110 is input from the data input device 114.
  • the obtained customer specifying information is configured to be processed so that it can be transmitted overnight.
  • Customer-specific information may include information about the customer's PIN and / or information about the customer's ecological characteristics. Therefore, the customer identification information storage unit 166 is configured to store the personal identification number of the customer and / or the ecological characteristics of the customer in association with the name of the customer.
  • the account number decryption section 150 When the customer information includes the “encrypted account number”, if the customer authentication section 1668 authenticates the customer, the account number decryption section 150 will execute the “encrypted account” included in the customer information.
  • the account number change processing unit 154 executes the operation of decrypting the code and decrypting the ⁇ regular account number '' based on the transaction content information.
  • the account number is configured to execute the operation of changing the account balance of the corresponding account information storage unit 144.
  • the Kadomu reading section 150 does not execute the operation of decrypting the "encrypted account number" included in the customer information, and the account content change processing section 1504 sends the transaction content On the basis of this, the operation for changing the account balance of the account information storage unit 144 corresponding to the “regular account number” is not executed.
  • the account content change processing unit 154 uses the “authorized account number” based on the transaction content information. It is configured to execute an operation to change the account balance of the account information storage section 144 corresponding to the "account number”, and if the customer authentication section 1668 does not authenticate the customer, the account content change processing section 15 No. 4 is configured not to execute an operation of changing the account balance of the account information storage unit 144 corresponding to the “regular account number” based on the transaction content information.
  • a signal regarding the result of the operation of authenticating the customer is output to the institution data display device 162, and the institution data display device 162 Display the result. If necessary, a signal regarding the result of the operation of authenticating the customer (whether the customer has been authenticated or not) is output to the engine data output device 164, and the engine data output device is output. 1 6 4 outputs the result.
  • Received data processing section 1 48, account number decryption section 150, encryption decryption processing storage section 152, account content change processing section 1 54, institution data output control section 160, customer authentication section 1 68 It is better to install the program as a computer software, create the operation contents and operation procedure for each program, and install this program at a short time.
  • the communication system 180 has various information including audio information, image information, text information, etc. Is transmitted from the terminal data transmission unit 118 to the data reception unit 146. That is, the terminal data transmitting unit 118 of the terminal information input unit 110 and the data receiving unit 146 of the institution information processing unit 140 are connected by the communication system 180.
  • the communication system 180 is a wired telephone system, a wireless telephone system, a mobile telephone system, a network system such as the Internet, a wireless television system, a wired television system, an interactive television system, ISDN, LAN, and an optical fiber network. This is a concept that includes a network system.
  • the terminal data transmission unit 118 is connected to the convenience server 130 via a network adapter (in the case of ISDN). ) (Or a modem in the case of a telephone line), and the received data processing unit 148 is a terminal adapter 238 connected to a computer 130 (in the case of ISDN) (or in the case of a telephone line, Is a modem).
  • a network adapter in the case of ISDN
  • the received data processing unit 148 is a terminal adapter 238 connected to a computer 130 (in the case of ISDN) (or in the case of a telephone line, Is a modem).
  • the card manufacturing apparatus 200 includes card storage information to be stored in the financial account card, card display information to be displayed in the financial account card, and Card data input device 210 for inputting data and a card data display for creating data for displaying the card display information input to the card data input device 210 on a financial account card Section 2 12, an encryption processing storage section 2 14 for storing the encryption processing for encrypting the account number, and a “regular Based on the ⁇ account number '', the account number encrypting unit 2 16 for encrypting the account number using the encryption processing stored in the encryption processing storage unit 214, and the account number encrypting unit 2 Encrypted account number with financial account Card data storage creation unit for storing in the seat 2 1 and 8 are provided.
  • the stored information includes the “legal account number”.
  • the account number decrypting unit 150 is configured so that the account number encrypting unit 216 can decrypt the “encrypted account number” and output the “regular account number”. That is, in the present invention, the type of the signal to be subjected to the encryption processing stored in the encryption processing storage unit 214 is the type of the decryption processing stored in the decryption processing storage unit 152. It is configured to be the same as the type of encryption.
  • An example of the encryption method is a method in which a numerical value described in a predetermined column of a random number table is sequentially added to each numeral constituting a legitimate account number.
  • the card manufacturing apparatus 200 further inputs a signal relating to force storage information and force display information output from the card display display creation unit 212 to display card storage information and card display information.
  • a card data display device for inputting the card storage information and the card display information output by the input and output display creation unit 2 and input by the account number encryption unit 2 16
  • a card data output device 2 24 for inputting a signal relating to an encrypted account number to be encrypted and outputting force storage information, card display information and an encrypted account number
  • a card data input device 2 10 Input the signal relating to the card storage information and the card display information which are output by the user, and input the signal relating to the account number which is output by the account number encrypting unit 2 16 to obtain the type of the password and, if necessary, And the name of the financial institution, to display the personal name of the customer to the financial account card, and includes a power Dodeta processing apparatus 2 2 6 for storing the encrypted account number to the financial account card.
  • the force display device 222 is composed of, for example, a cathode ray tube display device, a liquid crystal display, or the like.
  • the card data output device 222 includes, for example, a printer, a magnetic tape recording device, a magnetic disk recording device, an optical disk recording device, and the like.
  • the card data processor 2 26 stores the magnetic band provided on the financial account card. It consists of a magnetic recording device that can add, change, and delete contents, a printing device that can form characters, symbols, and graphics on the surface of a financial account card, and a transfer device.
  • the card data processing device 226 adds, changes, and stores the stored contents of the electronic components provided on the financial account card. It consists of a memory writing device that can be deleted.
  • the financial account card 300 is a portable and thin plate-shaped force base 310, and is built in the card base 310. And a magnetic information storage unit 32.
  • the force base 310 is made of plastic and has a size of, for example, about 85 mm in width, about 44 mm in length, and about 0.5 mm in thickness.
  • the size of the force base 310 is preferably about 40 to 100 mm in width, about 30 to 60 mm in length, and about 0.3 to 5 mm in thickness. .
  • the card information magnetic storage unit 320 is configured to store the “regular account number” using only magnetic means so that it cannot be seen with the naked eye. That is, in this configuration, the financial account card 300 is configured to store the “regular account number” using only magnetic means. Further, the card information magnetic storage section 320 is configured to be able to store force information such as a card type, a financial institution name, and a customer name.
  • the financial account card 300 is a portable, thin-plate card base 310, and a card information electronic storage section 330 built in the force base 310. It can also be configured to consist of Electronic storage of card information 3 30 is configured to store the "authorized account number" using only electronic means so that it cannot be seen by the naked eye. That is, in this configuration, the financial account card
  • the card information electronic storage section 330 is preferably composed of memory elements such as IC and ROMAM. Further, the card information electronic storage section 330 is configured to be able to store card information such as card type, financial institution name, customer name, and the like.
  • the financial account card 300 is a portable and thin sheet-shaped force base 310, and a force information magnetic memory built in the card base 310. It can also be configured to include a unit 320 and a force information electronic storage unit 330 incorporated in the card base 310. In this configuration, the financial account card 300 is configured to store the "authorized account number" using only electronic means and magnetic means.
  • the card type letter to indicate the card type is not written on the front of the financial account card 300's force base 310, and the "regular account number" No account number character is shown, no financial institution name, i.e., the name of the institution to indicate the bank name, and no customer name character to indicate the cardholder (customer) name. Not listed.
  • the card information magnetic storage unit 320 is configured to store the “encrypted account number” using only magnetic means so that it cannot be seen by the naked eye. . That is, in this configuration, the financial account card 300 is configured to store the “encrypted account number” using only magnetic means. Further Further, the card information magnetic storage unit 320 is configured to be able to store card information including a card type, a financial institution name, and a customer name.
  • the card information electronic storage section 330 is configured to store the “encrypted account number” using only electronic means so that it cannot be seen by the naked eye. You. That is, in this configuration, the financial account card 300 is configured to store the “encrypted account number” using only electronic means.
  • the card information electronic storage section 330 is preferably composed of a memory element such as an IC or a ROMs RAM. Further, the card information electronic storage section 330 is configured to be able to store card information including a card type, a financial institution name, and a customer name.
  • the financial account force 300 is a portable and thin plate force base 310, and the card information magnetic storage built in the card base 310. And a card information electronic storage unit 330 incorporated in the card base 310.
  • the financial account card 300 is composed of electronic means and magnetic means. It is configured to store the “encrypted account number” using only
  • the force account base statement of the financial account force 300 is provided with a force card type statement for indicating the type of the card. No letter is provided, no account number character is used to indicate ⁇ authorized account number '', and no institution name is used to indicate the name of the financial institution, i.e., bank name. There is no customer name character to indicate the name of the cardholder (customer).
  • a card type identification mark 342 for indicating the type of the financial account card can be provided on the surface of the card base 310 of the financial account card 300.
  • the card type identification mark 3 4 2 is formed so as to be visible to the naked eye.
  • the force type identification mark 3 4 2 may be such that a third party can understand the type of the financial account card 300, or only the owner of the financial account card 300 It may be such that the type of the financial account card 300 can be understood.
  • the example of the card type identification mark 3 4 2 shown in FIG. 3 has a ring shape, so that only the owner of the financial account force 300 can understand the type of the financial account force 300. Can be done.
  • an owner identification mark 344 for indicating the owner of the financial account card can be provided on the surface of the force pace 310 of the financial account card 300.
  • This owner identification mark 3 4 4 is formed to be visible to the naked eye.
  • the owner identification mark 344 may be such that a third party can identify the owner of the financial account card 300, or only the owner of the financial account card 300 May be able to determine the owner of the financial account card 300.
  • the example of the owner identification mark 3 4 4 shown in Fig. 3 is a photograph of the owner, so not only the owner of the financial account card 300 but also a third party can use the financial account card 300 The owner can be identified.
  • a financial account system 400 that uses a financial account card in a financial institution is stored in the financial account card.
  • the terminal information input unit 4 10 includes a card data reader 1 12, a data input device 1 14, and a terminal data processor 4 16. Further, it is preferable that the terminal information input unit 110 is configured to include a customer characteristic input device 130 for inputting a characteristic of a customer as customer identification information.
  • the terminal information input section 410 further includes an account number decryption section 4 3 4 for decrypting the “encrypted account number” included in the customer information and decrypting the “authorized account number”. And a decryption processing storage unit 432 that stores the details of decryption processing for decrypting the encryption of the “encrypted account number”.
  • the terminal information input unit 410 further includes customer information read by the card data reader 111, the transaction content information input from the data input device 114, and the account number decryptor 4.
  • a terminal data processing unit 4 16 is provided for processing the “regular account number” decoded by 3 4 so that it can be transmitted and displayed.
  • the terminal information input section 410 further stores the customer information and transaction content information processed by the terminal data processing section 416 and the ⁇ regular account number '' decoded by the account number decoding section 434.
  • Terminal information transmission means for transmitting the information to the institution information processing section 44, namely, the terminal information transmission section 4 18 and the customer information and transaction content information output from the terminal data processing section 4 16
  • Terminal data output control section 120 for controlling the output of customer information and transaction content information by inputting signals related to the customer information and transaction content information output by the terminal data output control section 120.
  • a terminal data display device 122 for inputting a signal to display customer information and transaction I content information, and a signal relating to customer information and transaction content information output from the terminal data output control unit 120 are output.
  • a terminal de Isseki output device 1 2 4 for outputting.
  • the terminal data transmission section 4 18 and the account number decoding section 4 3 4 are provided as a computer software, and each operation content and operation procedure are created in a program, and this program is installed in the computer. Good.
  • the institution information processing unit 440 includes a processing content input unit 144, an account information storage unit 144, and customer information transmitted from the terminal data transmission unit 4 18 of the terminal information input unit 410.
  • a terminal information accepting means for accepting transaction content information that is, a data reception unit 446, and a signal relating to customer information and transaction content information output by the data reception unit 446 are input to the processing content input device 1
  • the institution information processing section 440 further inputs a signal relating to customer information and transaction content information output from the reception data overnight processing section 448, and outputs a signal corresponding to the “regular account number”.
  • Zajo Saiwaiushitora storage unit 1 4 4 c authority information processing unit 4 4 0 with the account contents change processing unit 4 5 4 for changing the account balance is further received
  • de Isseki processor 4 4 8 outputs customer Input the signal related to the information and the transaction content information, and input the signal related to the account balance change content (content before change, content to be changed, content after change) output by the account content change processing section 4 5 4.
  • the institution information processing unit 44 includes a customer identification information storage unit 166 and a customer authentication unit 168.
  • the data receiving unit 446 of the institution information processing unit 4400 is configured to be able to input customer identification information for authenticating a customer
  • the terminal information input unit 410 The data input device 114 is configured to be able to input customer specific information
  • the terminal data processing portion 416 of the terminal information input portion 410 is input from the data input device 114.
  • the customer identification information is configured to be processed so that it can be transmitted in the evening.
  • the account content change processing unit 4 5 4 sends the account balance of the account information storage unit 1 4 4 corresponding to the ⁇ regular account number '' based on the transaction content information. If the customer authentication unit 16 8 does not authenticate the customer, the account content change processing unit 4 5 4 will change the “regular account number” based on the transaction content information. It is configured not to execute the operation of changing the account balance of the corresponding account information storage unit 144.
  • Received data processing unit 4 48, account content change processing unit 4 54, institution data output control unit 160, customer authentication unit 1668 is provided as computer software, and the operation contents and operation procedures for each are programmed. It is a good idea to create this program and install it on the convenience store.
  • the institution information processing unit 450 further includes an account number decrypting unit (shown in the figure) for decrypting the encrypted account number included in the customer information to decrypt the legitimate account number. ), And a decryption processing storage unit (not shown) that stores the details of decryption processing for decrypting the encrypted account number.
  • the function of the account number decoding unit in this modification is the same as the function of the account number decoding unit 150 in the first embodiment of the financial account card system of the present invention.
  • the function of the decryption processing storage unit in this modification is the same as the function of the decryption processing storage unit 152 in the first embodiment of the financial account management system of the present invention.
  • the use of the financial account force system according to the present invention can prevent illegal use of the financial account force.
  • the financial account card of the present invention is used, even if a third party obtains the financial account card by an illegal method and tries to use the financial account card, it cannot be used effectively.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système de compte financier (100) comportant une unité de saisie d'informations de terminal (110) destinée à la saisie d'informations de contenu de transaction et une unité de traitement d'informations d'organisation (140) destinée au traitement d'informations de contenu de transaction. L'unité (110) est connectée à l'unité (140) par un système de communication (180). L'unité (110) comporte un lecteur de carte (112), un appareil de saisie de données (114), et un processeur de données de terminal (116). L'unité (140) comporte un appareil de saisie de contenu de traitement (142), une unité de stockage d'informations de compte (146) et un processeur de données de réception (148). Lorsque les informations client comportent un numéro de compte crypté et si le client est identifié par une unité d'authentification client (168), une unité de décryptage de numéro de compte (150) décrypte le numéro crypté de manière à obtenir un numéro de compte normal. Une unité de modification de contenu de compte (154) modifie le solde dans l'unité (144) correspondant au numéro de compte normal, en fonction des informations de contenu de transaction.
PCT/JP2002/007544 2002-07-25 2002-07-25 Carte de compte financier et systeme de carte de compte financier WO2004012112A1 (fr)

Priority Applications (4)

Application Number Priority Date Filing Date Title
PCT/JP2002/007544 WO2004012112A1 (fr) 2002-07-25 2002-07-25 Carte de compte financier et systeme de carte de compte financier
AU2002320694A AU2002320694A1 (en) 2002-07-25 2002-07-25 Financial account card and financial account card system
AU2003281706A AU2003281706A1 (en) 2002-07-25 2003-01-29 Financial account utilization system including financial account medium
PCT/JP2003/000835 WO2004012113A1 (fr) 2002-07-25 2003-01-29 Systeme d'utilisation de compte financier comprenant un support de compte financier

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/JP2002/007544 WO2004012112A1 (fr) 2002-07-25 2002-07-25 Carte de compte financier et systeme de carte de compte financier

Publications (1)

Publication Number Publication Date
WO2004012112A1 true WO2004012112A1 (fr) 2004-02-05

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PCT/JP2002/007544 WO2004012112A1 (fr) 2002-07-25 2002-07-25 Carte de compte financier et systeme de carte de compte financier

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AU (1) AU2002320694A1 (fr)
WO (1) WO2004012112A1 (fr)

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPS5899880A (ja) * 1981-12-09 1983-06-14 Omron Tateisi Electronics Co カ−ドの有効性検査方法
JPS58117537U (ja) * 1982-02-02 1983-08-11 オムロン株式会社 取引処理装置における使用者確認装置
JPS6017561A (ja) * 1983-07-08 1985-01-29 Omron Tateisi Electronics Co 秘密番号判定装置
JPS60220462A (ja) * 1984-04-17 1985-11-05 Omron Tateisi Electronics Co 暗証番号参照方法
JPS61296497A (ja) * 1985-06-25 1986-12-27 富士通株式会社 Ｉｃカ−ドを用いるシステムにおける正当性チエツク処理方式
JPH10134229A (ja) * 1996-10-30 1998-05-22 Oki Electric Ind Co Ltd 自動取引装置及び自動取引システム
JP2002007727A (ja) * 2000-06-19 2002-01-11 Hitachi Ltd 記録媒体発行方法及びその実施装置並びにその処理プログラムを記録した記録媒体

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPS5899880A (ja) * 1981-12-09 1983-06-14 Omron Tateisi Electronics Co カ−ドの有効性検査方法
JPS58117537U (ja) * 1982-02-02 1983-08-11 オムロン株式会社 取引処理装置における使用者確認装置
JPS6017561A (ja) * 1983-07-08 1985-01-29 Omron Tateisi Electronics Co 秘密番号判定装置
JPS60220462A (ja) * 1984-04-17 1985-11-05 Omron Tateisi Electronics Co 暗証番号参照方法
JPS61296497A (ja) * 1985-06-25 1986-12-27 富士通株式会社 Ｉｃカ−ドを用いるシステムにおける正当性チエツク処理方式
JPH10134229A (ja) * 1996-10-30 1998-05-22 Oki Electric Ind Co Ltd 自動取引装置及び自動取引システム
JP2002007727A (ja) * 2000-06-19 2002-01-11 Hitachi Ltd 記録媒体発行方法及びその実施装置並びにその処理プログラムを記録した記録媒体

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