JP2000020609A - Security electronic money system - Google Patents

Abstract

(57) [Summary] (Modified) [Problem] To prevent crime related to electronic money. [Solving Means] When registering personal data of a holder using a voiceprint, an iris, a facial reference point and a fingerprint recognition computer software program that cannot be judged by the owner if the person is not the electronic money holder. Then, the data of the holder is incorporated into the data, and at the time of use, the settlement is determined by comparing the data with the registered data.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic money system, such as a credit card, cash card, IC card, etc., which converts cash into electronic information.

[0002]

2. Description of the Related Art Conventionally, as this kind of electronic money system, there is known a method of distinguishing an address, a name, a date of birth, a telephone number, and a recitation number as personal data. In the past, there have been personal recognition systems that use the differences between individuals, such as voiceprints, irises, faces, and fingerprints, as a material for determining whether or not they are individuals. There was not.

[0003]

SUMMARY OF THE INVENTION It is an object of the present invention to prevent the Internet crime, the crime using a lost or stolen card, and the crime by a hacker, which are the weak points of the conventional electronic money system. With the conventional electronic money system, there is no absolute effect to prevent the above crime,
There was a problem that these crimes could not be prevented.

[0004]

In order to achieve the above object, a security electronic money system according to the present invention comprises a conventional electronic money system, a computer software program for judging personal data by voiceprint collation, and an input. The device is added.

In order to achieve the above object, a security electronic money system according to the present invention is obtained by adding a computer software program for judging personal data by collating an iris and an input device to a conventional electronic money system. is there.

In order to achieve the above object, a security electronic money system according to the present invention comprises, in addition to a conventional electronic money system, a computer software program for determining personal data by collating a reference point on the face and an input device. It is a thing.

In order to achieve the above object, a security electronic money system according to the present invention is obtained by adding a computer software program for determining personal data by fingerprint collation and an input device to a conventional electronic money system. is there.

[0008]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described with reference to a security electronic money system which makes a judgment by collating voiceprints. A computer software program for judging personal data by collating voiceprints is added to the computer software program of the conventional electronic money system, and when a card or the like is used, the registered cardholder's computer is The voiceprint and the user are instantaneously determined as to whether or not they are the same, and whether settlement by electronic money is permitted or not is determined.

[0009]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS As an embodiment of the present invention, a security electronic money system which makes a judgment by comparing voiceprints will be described. In a conventional password recognition system, if a sequence of passwords, for example, 1214, can be obtained as data, simply enter the sequence of 1214 into card data obtained by a hacker or the like, and the name holder and the card issuing company will be input. Computer will judge. If a voiceprint is used instead of a rehearsal number, a program for collating and recognizing the voiceprint is incorporated into the computer program software for collation and recognition.
The computer itself picks words in random form,
By asking the card user for real-time voice utterance on the computer, collation can be performed with the voiceprint.

[0010] Since the computer itself can change the words and keywords selected by the computer in a random manner each time the card is used, if such a recognition system using a voiceprint is introduced, In the card data, "America", "Tempura set meal" for the first use, "Watch baseball" for the second use, e
tc and the words used as the keywords are changed in a random manner each time, and the computer is required to produce real-time speech. Even if you try to deal with it, dealing with the speech synthesis work in real time makes technically card crime impossible because the computer can recognize a gap of only a few seconds in time as a crime.

With the built-in / attached microphone of the personal computer,
Since voice communication can be input, it is safe and reliable to use the card for Internet shopping, etc.
You can safely use your electronic money without being involved in a crime and ensuring that data is not illegally used by third parties.

[0012]

By implementing the present invention, crime prevention measures, which are a weak point of the conventional electronic money system, are solved, and crimes that occur using personal data, such as credit cards and cash cards, which are frequently occurring at present, can be prevented. It can be avoided, and the security electronic money system will be widely used as a safer payment method, and its economic effects such as expansion of consumption will be enormous.

[0013] By implementing the present invention, hacking of personal data on the Internet and criminal offenses based on the obtained information are not possible, so that hacking is also prevented.

[Brief description of the drawings]

Hereinafter, the drawing shows the AT of the security electronic money system of the present invention.
This is a diagram illustrating the program theory of the operation computer program software of the terminal device such as M.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 incorporates security electronic money system program software for judging by collating voiceprints with two users into the current operating computer program software for terminal equipment such as ATMs.

FIG. 2 is a diagram in which a security electronic money system program software for judging by collation of an iris with three users is incorporated in a current operation computer program software of a terminal device such as an ATM.

FIG. 3 is a diagram in which a security electronic money system program software for judging by collating a reference point on the face with four users is incorporated in a current operation computer program software of a terminal device such as an ATM.

FIG. 4 is a diagram in which a security electronic money system program software for judging by collating fingerprints with five users is incorporated into a current operation computer program software of a terminal device such as an ATM.

[Explanation of symbols]

1 Operating computer program software for the current terminal equipment such as ATM 2 Security electronic money system program software to judge by collating voiceprints with users 3 Security electronic money system program software to judge by collation of iris with users 4 Security electronic money system program software that judges by comparing reference points on the face with the user 5 Security electronic money system program software that judges by comparing fingerprints with the user

Claims (4)

[Claims] 1. An electronic money system for determining whether or not the electronic money used to pay for purchase and lend and borrow cash is the owner of the electronic money by collating a voiceprint with the user. 2. An electronic money system for determining whether or not the electronic money used to pay for the purchase of goods and borrow and borrow cash is the owner of the electronic money by comparing the iris with the user. 3. Electronic money for determining whether or not the electronic money used to pay for the purchase of goods and borrow and borrow cash is the owner of the electronic money by collating the reference point on the face with the user. system. 4. An electronic money system for determining whether or not the electronic money used to pay for purchase and lend and borrow cash is the owner of the electronic money by comparing the fingerprint with the user.