WO2004012113A1

WO2004012113A1 - Financial account utilization system including financial account medium

Info

Publication number: WO2004012113A1
Application number: PCT/JP2003/000835
Authority: WO
Inventors: James Jay Skinner
Original assignee: James Jay Skinner
Priority date: 2002-07-25
Filing date: 2003-01-29
Publication date: 2004-02-05
Also published as: AU2003281706A1

Abstract

A financial account utilization system including a financial account information medium includes a financial institution system (100), a customer system (140), and a safety-use financial account card (300). The financial account utilization system may further include a normal-use financial account card (400). The safety-use financial account card (300) has a portable first main body (310) and a first card information magnetic storage unit (320) built in the first main body (310). The first card information magnetic storage unit (320) stores an account number only by using magnetic means. The account number is transmitted from the financial institution system (100) to the customer system (140) by e-mail. The normal-use financial account card (400) has a second main body (410) having a surface on which card type characters, account number characters, institution name characters, and customer name characters are described. The account number is transmitted from the financial institution system (100) to the customer system (140) by e-mail.

Description

Description Financial account use system including financial account media

〔Technical field〕

The present invention relates to a financial account use system configured to enable a customer to make a transaction using a financial account information medium in a financial institution such as a bank.

(Background technology)

Referring to FIG. 9, conventionally, in a financial account use system of a financial institution such as a bank, a financial account information medium, that is, a bank card 800, a card base 8100 and a capital base 8100 And a magnetic band 8 20 built in the electronic device. Forced pace 8 10 is made of plastic. The size of the card base 810 is approximately 85 mm in width, ^ 44 mm in length, and approximately 0.5 mm in thickness.

On the surface of the card base 8100, a card type character 8 3 '2 for indicating a type of power such as “bank card” and, for example, “1 2 3 4—56” An account number character 834 to indicate an account number such as "XYZ Bank" and an institution name character 836 to indicate a financial institution name, i.e., a bank name, and an "ABC 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. Further, in the bank card 800, card information including a card type, an account number, a financial institution name, a customer name, and the like is stored in the magnetic band 800.

However, with the conventional bank card 800, the name of the financial institution, the account number, and the customer's name are printed on the surface of the bank card 800 as "characters" so that they can be read by the naked eye. More fully described, when a third party fraudulently obtained another person's bank card, they could immediately know the account number of the bank card holder. Therefore, there was a risk that a third party who illegally obtained another person's bank card could misuse the bank account's account number.

[Object of the invention]

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. Another object of the present invention is to provide a financial account use system including a financial account information medium.

Another object of the present invention is to enable a third party to obtain a financial account information medium of another person by an unauthorized method and read the contents of the financial account information stored in the financial account information medium with a reading device. It is an object of the present invention to provide a financial account use system including a financial account medium configured so that the account number of the financial account information medium cannot be known even if it can be done.

[Disclosure of the Invention]

The present invention provides a financial account using system including a financial account medium for use in a financial institution,

A financial institution system provided at a financial institution to manage the account bow 1 performed by the customer, a customer system owned by the customer to manage transactions with the financial institution, and a financial account information medium,

The financial account information medium,

A first body formed in a portable size,

A first information storage unit built in the first body, The first information storage unit stores the account number using only electronic means and / or magnetic means so that it cannot be seen by the naked eye,

The financial institution system includes account information storage means configured to be able to store a customer's account number.

The account number is configured to be transmitted by e-mail from the financial institution system to the customer system,

The customer system includes an output device configured to be able to output the account number of the customer transmitted by electronic mail from the financial institution system to the customer system,

It is characterized by the following.

The present invention also provides a financial account using system including a financial account medium for use in a financial institution,

A financial institution system provided at the financial institution for managing account transactions performed by the customer, a customer system owned by the customer for managing transactions with the financial institution, and a financial account information medium,

The financial account information medium,

A first body formed in a portable size,

An information storage unit built in the first main body,

The information storage unit stores the account number using only electronic means and / or magnetic means so as to be invisible to the naked eye,

The financial institution system includes account information storage means configured to be able to store a customer account number,

The customer system sends an electronic mail from the financial institution system to the customer system. An output device configured to be able to output the account number of the customer transmitted by the client.

It is characterized by the following.

The present invention also relates to a financial account using system including a financial account medium, wherein the financial institution system is provided in a financial institution for managing account transactions performed by the customer; , Including a customer system, a financial account information medium, and a second financial account information medium,

The financial account information medium,

A first body formed in a portable size,

A first information storage unit built in the first body,

The first information storage unit stores the account number using only electronic means and / or magnetic means so that it cannot be seen by the naked eye,

It is characterized by the following.

In the financial account utilizing system of the present invention, the first financial account information medium can be constituted by a card, a portable telephone, or a portable computer. .

With such a configuration, even if a third party obtains the first financial account information medium by an unauthorized method, the third party cannot immediately know the legitimate account number, and the third party cannot pay the money. Financial account information media cannot be used effectively.

In the above-mentioned financial account use system, the first financial account information medium is constituted by a force, and the first financial account information medium is provided with a type identification mark for indicating the type of the first financial account information medium. Further provided, the type identification mark can be configured to be visible to the naked eye. .

Further, in the above-mentioned financial account use system, the first financial account information medium is constituted by a card, and the first financial account information medium is an owner identification key for indicating the owner of the first financial account information medium. And the owner identification mark can be configured to be visible to the naked eye.

The second main body having the information display unit configured to display the account number so that it can be seen by the naked eye can be formed by a card or a sheet.

Alternatively, as a modified embodiment, the financial account use system further includes a second financial account information medium,

The second financial account information medium,

A second body that is portable and thin,

A second information storage unit built in the second body,

An information display unit provided on the surface of the second main body,

The second information storage unit stores the account number using only electronic means and / or magnetic means so as to be invisible to the naked eye,

The information display unit may be configured to display the account number so that the account number can be seen with the naked eye.

Alternatively, as a further modified embodiment, the financial account using system further includes a second financial account information medium,

The second financial account information medium is: A second body that is portable and thin,

An information display unit provided on the surface of the second main body,

Alternatively, as a still further modified embodiment, the financial account use system further includes a second financial account information medium,

The second financial account information medium is:

A second body,

An account number storage unit built in the second main body and configured to store the account number;

A financial institution information storage unit built in the second main body and configured to store information received from the financial institution;

And an information display unit configured to display the account number so as to be visible to the naked eye.

By using the second financial account information medium, the customer can use the financial account force in a financial institution or the like in the same manner as before.

[Brief description of drawings]

FIG. 1 is a plan view showing a financial account card for safe use in the first embodiment of the financial account using system of the present invention.

FIG. 2 is a front plan view showing a normally used financial account card in the first embodiment of the financial account using system of the present invention.

FIG. 3 is a block diagram showing a schematic configuration of the first embodiment of the financial account using system of the present invention.

FIG. 4 shows a specific configuration of the first embodiment of the financial account using system of the present invention. It is an external view which shows an example.

FIG. 5 is a front view showing a state in which the display device of the customer system displays the account number and the like of the customer in the first embodiment of the financial account using system of the present invention. FIG. 6 is a plan view showing the paper output by the printer of the customer system in the first embodiment of the financial account using system of the present invention.

FIG. 7 is a perspective view showing a schematic shape of a mobile phone in the second embodiment of the financial account using system of the present invention.

FIG. 8 is a plan view showing a schematic shape of a card-type computer in the third embodiment of the financial account using system of the present invention.

FIG. 9 is a plan view showing a bank card used in a conventional financial account using system.

[Best mode for carrying out the invention]

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

(1) First embodiment

(1.1) Financial account information media

First, a first embodiment of the financial account using system of the present invention will be described.

A financial account use system according to the present invention includes a financial institution system provided for a financial institution, a customer system provided for each of a plurality of customers of the financial institution, and preparation corresponding to each of the customer systems. Including one or more financial account information media.

Referring to FIG. 1 and FIG. 2, in a first embodiment of the financial account using system of the present invention, the financial account using system comprises a safe use financial account code 3 constituting a first financial account information medium. Includes 0 0.

The financial account use system further includes a normal use account constituting the second financial account information medium. A financial account card 400 may be included. All “financial account cards” such as the safe use financial account card 300 and the regular use financial account card 400 are configured so that they can be used at the “financial institutions”.

“Financial institution” is a concept that encompasses 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 an "account number." “Account Number” is an account number used to identify a customer's financial account, usually consisting of 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.

(1-2) Safe use financial account card.

Referring to FIG. 1, in the first embodiment of the financial account using system of the present invention, the first financial account information medium, that is, the safe use financial account card 300 is formed in a portable size. And a first information storage unit built in the first body 310, that is, a first card information magnetic storage unit 320. The first body 310 is composed of a card base made of plastic. The size of the first main body 310 is, for example, about 85 mm in width, about 44 mm in length, and about 0.5 mm in thickness. The size of the first main body 310 is preferably about 40 to 10 Omm in width, about 30 to 60 Omm in length, and about 0.3 to 5 mm in thickness. .

The first card information magnetic storage unit 320 is magnetic so that it cannot be seen with the naked eye. It is configured to memorize the owner of the first body 310, that is, the account number of the customer, by using only the private means. That is, in this configuration, the safe use financial account card 300 is configured to store the account number using only magnetic means. Further, the first card information magnetic storage unit 320 is configured to be able to store card information such as a card type, a financial institution name, and a customer name.

As a first modification, the safe use financial account 300 is built into a first main body (for example, a power base) 310 that is formed in a portable size, and built into the first main body 310. The first card information electronic storage section 330 can also be configured. The first card information electronic storage unit 330 is configured to store the account number using only electronic means so that it cannot be seen by the naked eye. That is, in this configuration, the safe use financial account card 300 is configured to store the account number using only electronic means. It is preferable that the first card information electronic storage section 330 is configured by a memory element ¹ such as an IC, a ROM, and a RAM. Further, the first card information electronic storage section 330 is configured to be able to store card information such as card type, financial institution name, and customer name.

Further, as a second modified example, the safe use financial account card 300 is built in a first main body (for example, card pace) 310 formed in a portable size and a first main body 310. The first card information magnetic storage section 320 and the first force information electronic storage section 330 incorporated in the first main body 310 can also be configured. In this configuration, the safe use financial account card 300 is configured to store account numbers using only electronic and magnetic means.

In any of the above configurations, the card type character for indicating the card type is not written on the surface of the first main body 310 of the safe use financial account card 300, and it indicates the account number. No account number characters are listed, no institution name is used to indicate the name of the financial institution, ie the bank name, and the name of the cardholder (customer) Is not described.

With such a configuration, even if a third party obtains another person's safe use financial account card 300 by an unauthorized method, the account number cannot be immediately read with the naked eye. As a further modified example, a force type identification mark 3 4 2 for indicating the type of the financial account card may be provided on the surface of the first main body 310 of the safe use financial account card 300. it can. The card type identification mark 3 4 2 is formed so as to be visible to the naked eye. The card type identification mark 3 4 2 may be such that a third party can understand the type of the safe use financial account card 300, or the safe use financial account card 30 It may be such that only the owner of 0 can understand the type of financial account 300. The example of the card type identification mark 3 4 2 shown in Fig. 1 has a ring shape, so that only the owner of the safe use financial account card 300 understands the type of the safe use financial account card 300. Can be done. Further, as a still further modification, an owner identification mark for indicating the owner of the safe use financial account card 300 is provided on the surface of the first main body 310 of the safe use financial account card 300. 4 4 can be provided. This owner identification mark 3 4 4 is formed so as to be visible to the naked eye. The owner identification mark 3 4 4 may be such that a third party can identify the owner of the safe use financial account card 300, or the safe use financial account card 30 It may be such that only the owner of 0 can identify the owner of the safe use financial account card 300. The example of the owner identification mark 3 4 4 shown in FIG. 1 is a picture of the owner of the safe use financial account card 300, so that not only the owner of the safe use financial account card 300 The three parties can also identify the owner of the safe use financial account card 300.

(1 · 3) Normally used financial account card

Referring to FIG. 2, in the first embodiment of the financial account using system of the present invention, Therefore, the second financial account information medium, that is, the normally used financial account card 400, has a second main body 410 and a second main body 410 formed in a thin plate shape having a portable size. It is configured to include a built-in second information storage unit, that is, a second card information magnetic storage unit 420. The second body 4110 is composed of a force base made of plastic. The size of the second main body 410 is, for example, about 85 mm in width, about 44 mm in length, and about 0.5 mm in thickness. The size of the second main body 4 10 is preferably about 40 to 10 O mm in width, about 30 to 6 O mm in length, and about 0.3 to 5 mm in thickness. .

The second card information magnetic storage unit 420 stores the owner of the second main unit 410, that is, the customer's account number, using only magnetic means so that it cannot be seen by the naked eye. Is configured. Further, the second card information magnetic storage section 420 is configured to be able to store card information such as card type, financial institution name, and customer name.

On the surface of the second main body 4 10, for example, a card type character 4 32 for indicating a type of power such as “bank card”, and for example, “1 2 3 4—56” Account number characters 4 3 4 to indicate the appropriate account number, and institution name characters 4 3 6 to indicate the name of the financial institution such as “XYZ Bank”, ie, the name of the bank; and The customer name letter 438 to indicate the name of such cardholder (ie, the financial institution's "customer") is readable to the naked eye. Therefore, the normally used financial account card 400 can be configured in the same way as a conventional financial account card.

As a modified example, the normally used financial account card 400 is composed of a second main body (for example, force base) 410 formed in a portable size and a second main body 410 built in the second main body 410. The card information electronic storage section 4300 may be configured. The electronic information storage unit 430 is an electronic means so that it cannot be seen by the naked eye. The account number is configured to be stored using a password. The second forced information electronic storage section 430 is preferably composed of a memory element such as an IC, a ROM, and a RAM. Furthermore, the card information electronic storage unit 430 is configured to be able to store card information such as card type, financial institution name, and customer name.

Further, as another modified example, the normally used financial account card 400 is built in a second body (for example, a card base) 410 formed in a portable size and a second body 410. The second card information magnetic storage section 420 and the second force information electronic storage section 4330 built in the second main body 410 can also be configured. In any of the above configurations, a card type character for indicating a card type, an account number character for indicating an account number, The name of the institution for indicating the name of the financial institution, that is, the name of the bank, and the name of the customer for indicating the name of the cardholder (customer) are described.

With such a configuration, the customer can use the normally used financial account card 400 in a similar manner to the conventional financial account card.

Further, as a further modified example, a card type identification mark 442 for indicating the type of the financial account card can be provided on the surface of the second main body 410 of the normally used financial account card 400. The card type identification mark 4 4 2 is formed so as to be visible to the naked eye. The force type identification mark 4 4 2 may be such that a third party can understand the type of the normally used financial account card 400, or the normally used financial account card 400. It may be such that only the owner of 0 can understand the type of the financial account card. The shape of the card type identification mark 442 is formed to be the same as the shape of the card type identification mark 342 provided on the surface of the first main body 310 of the safe use financial account card 300. By providing such a card type identification mark 442 on the surface of the second body 410 of the normally used financial account card 400, the owner of the normally used financial account card 400 Account power is usually spent It is possible to know whether or not the card is a safe use financial account card 300 corresponding to the credit account code 400.

Further, as another further modified example, the second financial account information medium, that is, the normally used financial account card 400 is a second body 410 that is of a portable size and formed in a thin plate shape. A second card information magnetic storage unit 420 and / or a card information electronic storage unit 4300 which is built in the second main unit 410 and is configured to store information received from a financial institution. And an information display section 434 configured to display the account number so that it can be seen with the naked eye. Information received from financial institutions includes, for example, the account number of the customer who owns the regular financial account card 400, the expiration date of the regular financial account card 400, the possession of the regular financial account card 400 Includes information to identify the person. With this configuration, various information received from the financial institution can be stored in the second financial account information medium.

(1-4) Financial institution system

Referring to FIGS. 3 and 4, in the first embodiment of the financial account using system of the present invention, the financial account using system of the present invention comprises a financial institution system 100, a customer system 140, Further included.

The financial institution has a financial institution system 100 for managing account transactions performed by customers. The financial institution system 100 includes an external information receiving unit 106, an external information transmitting unit 108, a financial institution input device 110, a transaction processing unit 112, and an account information storage unit 114. And a financial institution output device 1 16 and a customer information transmission unit 1 18. '' Financial institutions include banks, credit companies, cooperatives, pensions, post offices, securities firms, and others. The financial institution system 100 is configured so that transactions such as deposit, withdrawal, transfer, and remittance can be performed with a plurality of external institutions. In addition, the financial institution system 100 combines information on customers and information on transactions. It is configured to be able to communicate to a number of customers.

The external information receiving unit 106 is configured so that when a deposit transaction occurs using a financial card such as a credit card, a debit card, or a cash card, information on the transaction can be received from the external organization 160. Is done.

The external information transmission unit 108 transmits information on the processing result of the transaction to an external organization 160 when a deposit collection i occurs by using a financial card such as a credit card, a debit card, or a cash card. It is configured to be able to. The financial institution input device 110 is configured to be able to input information about the customer, such as the name of the customer, the account number of the customer, the balance of the financial account of the customer, and information about the transaction.

The transaction processing unit 112 inputs the information about the customer and the transaction sent from the financial institution input device 110 and the information about the transaction sent from the external information receiving unit 106 and processes the information about the customer. Then, the contents of the transaction are calculated, and the rewriting operation of the contents stored in the account information storage means 114 is controlled. Further, the transaction processing unit 112 is configured to output the processing result of the information on the customer and the calculation result of the transaction content to the customer information transmitting unit 118 and the financial institution output device 116.

The account information storage means 114 can store information about the customer, such as the name of the customer, the account number of the customer, the balance of the financial account of the customer, and information about the transaction of the customer.

The financial institution output device 116 is configured to output a processing result of information about the customer and a calculation result of the content of the transaction.

The customer information transmitting unit 118 is configured to transmit the processing result of the information on the customer and the calculation result of the transaction contents to the customer system 140 via the communication system 170.

Referring to FIG. 4, a first embodiment of the financial account utilization system of the present invention is shown. In the state, the financial institution system 100 is a terminal adapter connected to the convenience store 120, the storage device 122, the terminal device 124, the output device 126, and the convenience store 120. 1 2 8 (for ISDN) (or modem for telephone line). Information about the transaction is communicated by email. In other words, information regarding the transaction is transmitted to the customer system 140 by e-mail via a network 272 such as Inuichi Net.

As a variant, e-mail can be sent via any of the following: a wired telephone system, a wireless telephone system, a mobile phone system, a wireless television system, a wired television system, an interactive television system, ISDN, LAN, or a fiber optic network system. Can be configured to be transmitted to the customer system 140.

In the above configuration, the external information receiving unit 106, the external information transmitting unit 108, the transaction processing unit 112, and the customer information transmitting unit 118 form the computer software as computer software. It is good to be set to 0. That is, the external information receiving unit 106, the external information transmitting unit 108, the transaction processing unit 112, and the customer information transmitting unit 118 operate and operate as computer software. It is preferable to create a procedure in a program and install this program on the computer 120.

The account information storage means 114 is provided in the storage device 122. For example, the storage device 122 is formed of any one of a magnetic disk, a magnetic tape, an optical disk, and the like, or an appropriate combination thereof. The terminal device 124 includes, for example, a personal computer, a keyboard, a force reader, a magnetic disk reader, an optical disk reader, and the like. The output device 126 includes, for example, a printer, a display device, and the like.

(1-5) Customer system

Referring to Figures 3 and 4, a financial institution has multiple customers. Customers, It is composed of 1st customer, 2nd customer, 3rd customer,…, Nth customer, etc. Customers include individuals, organizations, legal entities, and so on. Each customer has a financial account in the financial institution system 100. Each customer has a customer system 140 for managing transactions with financial institutions. For simplicity, Figure 3 shows only the first customer system.

Each customer has a customer system 140 for managing account transactions made by that customer. Each customer system 140 includes a customer input device 1441, a customer processing unit 1442, a customer storage unit 144, a customer receiving unit 144, and a customer output device 144. .

The customer input device 14 1 is configured so that the content of the work performed by the customer can be input.

The customer processing unit 144 accepts the signal output from the customer input device 144 regarding the content of the work, receives the information regarding the customer output from the customer receiving unit 144 and the information regarding the customer transaction, It is configured to process the information and control the operation of rewriting the storage contents of the customer storage means 144. In addition, the customer processing unit 142 is configured to output a processing result of information about the customer and a calculation result of the details of the transaction to the customer output device 147.

The customer storage means 144 can store information about the customer, such as the name of the customer, the account number of the customer, the balance of the customer's financial account, and information about the customer's transaction. The customer receiving unit 146 is configured to receive information on the customer and information on the customer's transaction from the customer information transmitting unit 118 of the financial institution system 100 via the communication system 170. You.

The customer output device 147 inputs the signals output by the customer processing unit 1442 regarding the customer information, such as the customer name, customer account number, balance of the customer's financial account, and information on the customer transaction. It is configured to be able to output the information. Referring to FIG. 4, the terminal device 262 of the customer system 140 is composed of a personal computer 264, a printer connected to the personal computer 264, and a personal computer 264. 6 6 (for ISDN) (or modem for telephone line). In this configuration, the customer input device 141, the customer processing unit 142, the customer storage means 144, and the customer receiving unit 144 are composed of a personal computer 264. The customer output device 147 includes, for example, a printer and a display device of a personal computer 264.

With this configuration, information about the customer and information about the customer's transaction are transmitted from the financial institution system 100 to the personal computer 264 of the customer system 140 by e-mail via the network 272. be able to. The personal convenience store 264 receives the information about the customer and the information about the customer's transaction electronically, displays the information about the transaction on the display device of the personal computer 264, and prints the information. Print on the evening.

As shown in FIG. 5, in the customer output device 147 of the customer system 140, the display device of the personal computer 264 is sent from the financial institution system 100 via the network 272. It is configured to be able to display the customer's account number “1 2 3 4—5 6”. The display device is also configured to be able to simultaneously display data such as the customer's name, date of transmission, and bank name.

Also, as shown in FIG. 6, in the customer output device 144 of the customer system 140, the printer 266 is a customer account number sent from the financial institution system 100 via the network 272. It is configured to output paper on which “1 2 3 4—5 6” is printed. In addition, the printer is configured so that data such as the customer's name, transmission date and bank name can be printed at the same time. (1-6) Communication system

Referring to FIGS. 3 and 4, in general, a communication system 170 transmits various types of information including voice information, image information, and text information from a financial institution system 100 to a customer system 140. It is provided in order to. Here, the communication system 170 is a wired telephone system, a wireless telephone system, a mobile phone system, a network such as the Internet 272, a wireless television system, a wired television system, a two-way television system, ISDN, LAN, and optical. There is a concept that includes fiber-to-network systems. With the communication system 170, information about the customer, such as the customer's name, customer's account number, the balance of the customer's financial account, and information about the customer's transaction are transferred from the financial institution system 100 to the customer system 140. Sent.

(1-7) External organization system

Referring to FIG. 3 and FIG. 4, the external organizations include a first external organization, a second external organization, a third external organization,..., An Nth external organization, and the like. Each external institution has an external institution system 160 for managing transactions with financial institutions. External institutions include individuals, organizations, corporations, etc., including, for example, banks, credit companies, cooperatives, pensions, post offices, securities companies, tax offices, sales companies, leasing companies, and the like. In order to simplify the explanation, FIG. 3 shows only the first external institution system.

The financial institution system 100 is configured so that transactions such as deposit, withdrawal, transfer, and remittance can be made to a plurality of external institution systems 160. Each external engine system 160 includes an external engine input device 161, an external engine input processing unit 162, an external engine transmission unit 163, an external engine receiving unit 1665, and an external engine. It has an acceptance processing unit 166 and an external engine output device 167.

The external institution input device 16 1 is configured to allow the input of information regarding transactions such as deposit, withdrawal, transfer, and remittance. The external institution input processing section 162 is configured to receive a signal output from the external institution input device 161, and to process information regarding a transaction.

The external institution communication unit 163 is configured to be able to output information about the transaction sent from the external institution input processing unit 162 to the financial institution system 100. The external institution accepting unit 165 is configured to be able to accept information on transactions sent from the financial institution system 100.

The external engine accepting processing unit 166 is configured to receive a signal output from the external engine accepting unit 165 and process information relating to the bow I.

The external institution output device 166 is configured to be able to input a signal related to information on a transaction output by the external institution reception processing unit 166 and output the information.

The financial institution system 100 and each external institution system 160 are configured to be able to exchange information regarding transactions via a wired communication system or a wireless communication system. For example, the financial institution system 100 and each external institution system 160 may be connected by any one of LAN, ISDN, fiber-optic network system, etc., or an appropriate combination thereof. Good.

(2) Second embodiment

Next, a second embodiment of the financial account using system of the present invention will be described.

The following description mainly describes points that the second embodiment of the financial account using system of the present invention is different from the first embodiment of the financial account using system of the present invention. Therefore, the description of the first embodiment of the financial account using system of the present invention described above applies mutatis mutandis to places not described below.

In the second embodiment of the financial account using system of the present invention, the first financial account information medium can be constituted by a portable telephone. Referring to FIG. 7, the mobile phone 700 includes an operation unit 7 10 and a display unit 7 12. The power supply, power source, CPU (not shown), etc. of the portable telephone 700 are built in the operation unit 7100. Further, a first information electronic storage unit 730, a plurality of key buttons 736, and a plurality of switches 738 are provided in the operation unit 7110. The first information electronic storage unit 730 is configured to store the account number using only electronic means so that it cannot be seen with the naked eye.

That is, in this configuration, the portable telephone 700 is configured to store the account number using only electronic means. The first information electronic storage unit 730 is preferably composed of a memory element such as IC, ROM, and RAM. Further, the first information electronic storage unit 730 is configured to be able to store card information such as a card type, a financial institution name, and a customer name.

Further, it is preferable that the first electronic report electronic storage unit 730 includes an acceptance information storage unit configured to store information received from a financial institution. Information received from financial institutions may include, for example, information on transactions that reduce the balance of a financial account, such as payments, transfers, and bows from financial accounts, and balances on financial accounts, such as deposits into financial accounts. Includes information about increasing transactions.

The display section 7 1 2 includes a liquid crystal panel 7 32. The financial account information for indicating the type of the financial account information medium is configured so that the β medium identification mark can be displayed on the liquid crystal panel 732. The data relating to the financial account information medium identification mark is preferably stored in the first information electronic storage unit 73 °. The financial account information medium identification mark may be one that allows a third party to understand the type of financial account that can be operated by the portable telephone 700, or possesses the portable telephone 700. Only those who can understand the type of the financial account power 300 may be used. It is preferable that the account number cannot be displayed on the liquid crystal panel 732 even if the key button 736 and the switch 738 are operated. Information stored in the reception information storage unit Information can be displayed on the liquid crystal panel 732 by operating the key button 736 and the switch 738.

As a modified example, a face photograph of the owner of the portable telephone 700 can be displayed on the liquid crystal panel 732. In this configuration, it is preferable that the data regarding the photograph of the face of the owner be stored in the first information electronic storage section 7300.

(3) Third embodiment

Next, a third embodiment of the financial account card set of the present invention will be described.

The following description mainly describes the differences between the third embodiment of the financial account using system of the present invention and the first embodiment of the financial account using system of the present invention. Therefore, the description of the first embodiment of the financial account using system of the present invention described above applies mutatis mutandis to places not described below.

In the third embodiment of the financial account using system of the present invention, the first financial account information medium can be constituted by a portable computer.

Referring to FIG. 8, the portable electronic computer 750 includes an operation section 760 and a display section 782. The power supply, power source, CPU (all not shown), etc. of the portable computer 750 are built in the operation section 760. Further, a first information electronic storage unit 780, a plurality of key buttons 786, and a plurality of switches 788 are provided in the operation unit 760. The first information electronic storage unit 78 ◦ is configured to store the account number using only electronic means so that it cannot be seen with the naked eye.

That is, in this configuration, the portable computer 750 is configured to store the account number using only electronic means. The first information electronic storage unit 780 is preferably composed of a memory element such as an IC, ROM: RAM. Further, the first information electronic storage unit 780 is configured to be able to store card information such as card classification, financial institution name, and customer name. Further, the first information electronic storage unit 780 preferably includes an acceptance information storage unit configured to store information received from a financial institution. Information received from financial institutions may include, for example, information on transactions that reduce the balance of a financial account, such as payments, transfers, and bows from financial accounts, and balances on financial accounts, such as deposits into financial accounts. Includes information about increasing transactions.

The display portion 782 is composed of a liquid crystal panel 784. The financial account information medium identification mark for indicating the type of the financial account information medium is configured to be displayed on the liquid crystal panel 784. The data relating to the financial account information medium identification mark is preferably stored in the first electronic information storage unit 780. The financial account information medium identification mark may be such that a third party can understand the type of financial account that can be operated by the portable computer 750, or the portable computer 750 It may be such that only the owner of the financial computer can understand the type of financial account that can be operated by the portable computer 750. It is preferable that the account number cannot be displayed on the liquid crystal panel 784 even when the key button 786 and the switch 788 are operated. The information stored in the reception information storage unit is configured to be displayed on the liquid crystal panel 784 by operating the key button 786 and the switch 788.

As a modified example, a face photograph of the owner of the portable electronic computer 750 can be displayed on the liquid crystal panel 784. In this configuration, it is preferable that data relating to the photograph of the face of the owner be stored in the first information electronic storage unit 780.

[Industrial applicability]

By using the financial account use system of the present invention, it is possible to prevent unauthorized use of the financial account power.

If the financial account use system of the present invention is used, the third party will Even if you try to use the financial account information medium by obtaining the body in an illegal way, you cannot use it effectively.

Claims

The scope of the claims

1. A financial account use system including a financial account information medium for use by a financial institution,

The financial account information medium,

A first body formed in a portable size,

A first information storage unit built in the first body,

A system characterized in that:

2. A financial account use system including a financial account information medium for use by a financial institution,

A financial institution system provided at a financial institution to manage the customer's account taking I; a customer system owned by the customer to manage transactions with the financial institution; Location information medium,

The financial account information medium,

A first body formed in a portable size,

An information storage unit built in the first main body,

The information storage unit stores the account number using only electronic means and Z or magnetic means so as to be invisible to the naked eye,

A system characterized in that:

3. A financial account use system including a financial account information medium for use by a financial institution,

The financial account information medium,

A first body formed in a portable size,

A first information storage unit built in the first body,

The financial institution system is configured to be able to store a customer account number. Account information storage means,

A system characterized in that:

4. The system according to any one of claims 1 to 3, wherein the first financial account information medium is constituted by a card,

The first financial account information medium further includes a type identification mark for indicating a type of the first financial account information medium,

The type identification mark is configured to be visible to the naked eye,

A system characterized in that:

5. The system according to any one of claims 1 to 4, wherein the first financial account information medium is constituted by a card,

The first financial account information medium further includes an owner identification mark for indicating an owner of the first financial account information medium,

The system, wherein the owner identification mark is configured to be visible to the naked eye.

6. The system according to any one of claims 1 to 5, further comprising a second financial account information medium,

The second financial account information medium,

A second body that is portable and thin,

A second information storage unit built in the second body,

An information display unit provided on the surface of the second main body, The second information storage unit stores the account number using only electronic means and / or magnetic means so as to be invisible to the naked eye,

The information display unit is configured to display the account number so that it can be seen with the naked eye.

A system characterized in that:

7. The system according to any one of claims 1 to 5, further comprising a second financial account information medium,

The second financial account information medium is:

A second body that is portable and thin,

An information display unit provided on the surface of the second main body,

A system characterized in that:

8. The system according to any one of claims 1 to 5, further comprising a second financial account information medium,

The second financial account information medium is:

A second body,

An information display configured to display the account number so that it can be seen by the naked eye.

A system characterized in that: