JP2002163460A - Collation method and system account seal impression - Google Patents

Abstract

PROBLEM TO BE SOLVED: To shorten the time needed before it is decided whether or not a document is adequate by comparing a seal impression given to a document after the document is submitted to a receiving institution. SOLUTION: The receiving institution reads an application form that a customer submits by a scanner 1 and account number information and seal impression are made into electronic data. A matching destination specification processing part 5 once specifying a seal impression collating destination with a financial institution code whose characters have been recognized by the character recognition processing part 4 sends a seal impression collating request including account number and seal impression data to the corresponding financial institution. A decision processing part 7 decides whether or not the application form is proper according to the collation result of an automatic collating device 8.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account imprint verification system and method for verifying a seal imprinted on a document such as a direct debit card or a card application, and more particularly to a result of a seal imprint verification process after receiving a document. To shorten the time required to obtain

[0002]

2. Description of the Related Art In general, when a predetermined amount of money is debited from a bank account at a counter of a financial institution such as a bank, or when an application for a credit card or the like is made, the name of the financial institution to be debited in a predetermined application form or the like. , Branch or financial institution code and account number, and further seal the financial institution. The receiving organization determines the validity of the items described in the application form submitted by the customer. Among them, the verification of the stamped seal is performed as follows.

[0003] In a receiving organization, a predetermined form of a copy-type application form received (hereinafter simply referred to as an "application form")
Is cut out, journalized for each financial institution listed as a direct debit account, and sent to the relevant financial institution. The center that manages accounts at each financial institution (hereinafter referred to as the "account management center") retrieves the corresponding imprint data from the database using the account number of the sent application as a key and matches it with the imprint of the application I do. Then, the matching result is notified to the receiving organization. The receiving organization determines whether or not the application form is valid based on the collation result returned from the account management center. If the receiving organization is a credit card issuing company, a credit card will be issued to a customer whose seal is confirmed.

[0004]

However, even now, seal imprints are converted into electronic data, and the process itself of imprint collation can be performed in a very short time, but conventionally, the actual application form is accepted. Since the stamp is sent from the institution to the financial institution and the seal is verified using the actual item, there is a problem in that it takes several weeks from the customer's application until the card is issued.

[0005] In addition, there is a case where a problem arises in that the application itself is lost at the time of journalizing and sending work by transferring and managing the actual product.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-described problems, and an object of the present invention is to verify the seal imprinted on a document after the document has been submitted to a receiving organization, and determine whether the document is correct. It is an object of the present invention to provide an account imprint collation system and an account imprint collation method that can reduce the time required until the determination is made.

[0007]

In order to achieve the above object, an account imprint collation method according to the present invention provides a method for collating an imprint imprinted together with account number information on a document received from a customer by a receiving organization. In the account imprint verification method to be performed, the receiving institution reads at least the imprint stamped on the document and digitizes it into electronic data, and specifies the electronic imprint data held by the receiving institution or the account number information written on the document. The imprint data transmission step of transmitting one of the registered imprint data registered with the financial institution to the other institution via a network, and the receiving institution automatically collating the digitized imprint data with the registered imprint data. Performing the imprint verification step, and performing the document processing based on the result of the verification of the imprint data performed by the imprint verification step in the receiving organization. And a propriety a determining step of seal impression marked, but for automatically matching seal impression which is stamped on the document.

A character recognition step for character recognition of account number information written on the document digitized by the digitization step, and an account imprint collation based on the account number information character recognized by the character recognition step. And a collation destination specifying step of specifying a financial institution to perform the verification.

[0009] Further, the account imprint verification system according to the present invention is an account imprint verification system for verifying a seal imprinted together with account number information on a document received from a customer by a receiving institution. Electronic communication processing means for reading the imprint imprinted and converting it into electronic data; information communication processing means for exchanging at least electronic imprint data between the receiving institution and the financial institution; Imprint verification processing means for automatically comparing the imprint seal data with the registered imprint data registered at the financial institution specified by the account number information written on the document; and the imprint performed by the imprint verification processing means at the receiving institution. Determining processing means for determining whether the seal imprinted on the document is correct based on the result of data comparison,
The collation of the seal imprinted on the document and the determination of correctness are automatically performed.

Further, a character recognition processing means for recognizing the account number information written on the document digitized by the digitization processing means, and a destination for performing the imprint verification of the account based on the character recognized account number information. Collation destination specifying processing means for automatically specifying the financial institution.

When the digitizing means is a facsimile apparatus, the apparatus further comprises a facsimile server for receiving document data transmitted from the facsimile apparatus and extracting digitized imprint data from the received document data. is there.

[0012]

Preferred embodiments of the present invention will be described below with reference to the drawings.

Embodiment 1 FIG. FIG. 1 is a block diagram showing Embodiment 1 of an account imprint verification system according to the present invention. FIG. 1 shows a receiving institution that receives documents such as a direct debit or card application from a customer, and a financial institution that manages the customer's account. Depending on the type of documents received, the financial institution may be the receiving institution as it is, but in the present embodiment, it is assumed that the receiving institution in contact with the customer and the financial institution that checks the seal are different companies. are doing. In the present embodiment, description will be made on the assumption that an account imprint is collated when a credit card is issued. That is, in FIG. 1, a receiving institution includes a scanner 1 installed at a window for receiving an application form for issuing a credit card and a receiving terminal 2 that can be realized by a general information terminal device such as a personal computer.
It is shown.

The reception terminal 2 includes an electronic data generation processing unit 3,
Character recognition processing unit 4, collation destination specifying processing unit 5, communication processing unit 6
And a determination processing unit 7. Each functional process is realized by an application. Electronic data generation processing unit 3
Converts the account number information and the stamped seal imprinted on the application form read by the scanner 1 into electronic data. The character recognition processing unit 4 character-recognizes the account number information written on the application that has been converted into electronic data by the electronic data generation processing unit 3. The account number information includes the codes of the financial institution and the branch where the credit card debit account of the customer is opened, and the account number of the debit account. The collation destination identification processing unit 5 automatically identifies the financial institution to which the account imprint collation is to be performed based on the account number information whose character has been recognized.
The communication processing unit 6 exchanges information such as imprint data with the communication processing unit 9 of the automatic matching device 8 installed at the financial institution.
Although only one financial institution is shown in FIG. 1, the communication processing unit 6 exchanges information with a plurality of financial institutions.
The determination processing unit 7 determines whether the seal imprinted on the application is correct based on the result of the comparison of the seal imprint data by the financial institution.

On the other hand, the automatic matching device 8 installed in the financial institution has a communication processing unit 9 and a seal imprint matching processing unit 10. Further, FIG. 1 shows an account information database (D) in which personal information such as an account number established at the financial institution, an address and name of the established customer and transaction information are registered.
B) 11 and an imprint database (DB) 12 in which the digitalized imprint data of the seal used for opening the account number is stored in association with the account number. The communication processing unit 9 exchanges information such as imprint data with the communication processing unit 6 on the receiving institution side. Although only one receiving organization is shown in FIG. 1, the communication processing unit 9 exchanges information with a plurality of receiving organizations. The imprint verification processing unit 10
The seal imprint data sent from the receiving organization and the seal imprint data registered in the seal imprint database 12 are automatically collated. In the following description, in particular, the imprint data digitized by the accepting organization will be referred to as “digitized imprint data”, and the imprint data registered in the imprint database 12 will be referred to as “registered imprint data”. Although the system configuration on the financial institution side is considered to be different depending on the setting of the head office and the account management center, FIG. 1 shows only necessary components for the sake of convenience in the description of the present embodiment. The system configuration is simplified in FIG.

In the above configuration, the credit card company (accepting organization), in accordance with the application received from the customer,
Examinations such as imprint verification are performed together with the financial institution, and if there is no problem, a credit card is issued to the customer. What is characteristic in the present embodiment is that all information required for the seal imprint collation processing is converted into electronic data and processed. That is, in the present embodiment, information required for seal imprint verification is converted into electronic data without physically transferring the actual application form.
Since the information is exchanged via the network, the imprint collation processing can be performed extremely quickly. This eliminates the need for several weeks for imprint verification as in the related art, and can greatly reduce the time required from the submission of a document to the receiving organization to the determination of the validity of the document. Credit card companies can issue credit cards quickly, and in some cases, on the spot where the application is submitted.

Next, the seal imprint collation processing in this embodiment will be described with reference to the flowchart shown in FIG.

At the receiving organization, the receiving operator causes the scanner 1 to read the application form submitted by the customer. Thus, the electronic data generation processing unit 3 converts the application form into electronic data (Step 101). In general, the place to be stamped in the application form is determined, so that the electronic data generation processing unit 3 can extract the seal imprint data from the application form at a predetermined resolution. Further, when collating imprints, since the characters and shapes of the imprints and even the size of the imprints are to be collated, it is necessary to extract the stamped imprints in their original size. Further, account number information such as a financial code can be extracted. The character recognition processing unit 4 obtains each code of a financial institution and a branch (hereinafter, collectively referred to as “financial institution code”) and an account number by character-recognizing the account number information converted into electronic data (step 1).
02). Based on the account number information that has been character-recognized, the collation destination identification processing unit 5 searches a financial institution code database (not shown) to identify a financial institution to which account imprint collation is to be performed (step 103). The communication processing unit 6 makes a line connection with the specified financial institution, and requests a seal imprint collation process by transmitting a seal imprint collation request (step 104). The imprint collation request includes at least the account number and the digitized imprint data.

In the financial institution, when the communication processing unit 9 of the automatic collation device 8 receives the imprint collation request sent from the accepting institution via the network (step 20).
1) The seal imprint processing unit 10 retrieves the seal imprint data by searching the seal imprint database 12 based on the account number included in the seal imprint verification request (step 20).
2). Then, the electronic imprint data included in the imprint collation request is collated with the extracted registered imprint data (step 203). Then, the collation result is transmitted to the communication processing unit 9.
(Step 204). The processing history is recorded in the account information database 11.

In the receiving organization, when the judgment processing unit 7 receives the collation result via the communication processing unit 6 (step 105), the judgment processing unit 7 judges whether the seal imprinted on the application is correct or not based on the collation result (step 106). ). If the seal imprinted on the application is verified, the credit card company, which is the accepting institution, issues the credit card to the customer on the assumption that the other examination items have passed. . If the result of the comparison indicates that the seal imprinted on the application form is different from the registered seal imprint data, the customer is informed that fact.

According to the present embodiment, all the information required for the seal imprint verification is converted into electronic data and sent to the corresponding financial institution via the network so that the seal imprint verification can be immediately requested. Obtainable. This allows a credit card company to issue a credit card without having the customer wait for a long time. Depending on the response time of the financial institution, credit cards can be issued on the spot. Further, since the transfer of the actual application form is not required, the cost required for delivering the information necessary for the seal imprint verification to the financial institution can be significantly reduced. Also, by not transferring the actual thing,
No information leaks during transfer.
Also, the possibility of loss is extremely low.

In the receiving organization, the application form submitted by the customer is simply read by the scanner 1, so that the work load on the receiving operator is greatly reduced.

Embodiment 2 FIG. In the first embodiment, the configuration in which the application form is read by the scanner 1 has been described as an example. In the present embodiment, the facsimile is
The case where an apparatus is used is taken as an example. FIG. 3 is a block diagram showing Embodiment 2 of the account imprint verification system according to the present invention. Note that the same reference numerals are given to the same functional processes as in the first embodiment, and description thereof will be omitted.

The present embodiment has a structure in which a financial institution is requested to perform a seal imprint verification from a reception center in the reception institution instead of individually requesting the seal imprint verification from the reception desk. That is, the reception desk in the present embodiment has a facsimile device 13 for facsimile transmitting the application form.
Then, the reception terminal 2 that receives the determination result is installed. FIG. 3 shows only one reception desk for convenience.
The reception center includes a facsimile reception processing unit 14 for receiving a facsimile image sent from each reception desk, and a data extraction process for extracting imprint data and account number information from the facsimile image received by the facsimile reception processing unit 14. Part 15;
Character recognition processing unit 4, collation destination specifying processing unit 5, communication processing unit 6
And a FAX server 16 having a judgment processing unit 7. The configuration on the financial institution side is the same as in the first embodiment.

Next, a description will be given of the seal imprint collation processing in the present embodiment. In the present embodiment, the seal imprint and account number information written in the application form submitted to the reception counter are transferred to the financial institution via the reception center. This is different from the first embodiment in that it is sent to the first embodiment. Since the basic points are the same as those in the first embodiment, the description will be appropriately simplified.

First, the reception operator sends the application form submitted by the customer to the reception center using the facsimile device 13.
Send X. The application form is converted into electronic data at the time of fax transmission. FAX reception processing unit 14 of FAX server 16
Upon receiving the application form that has been axed, the data extraction processing unit 15 extracts imprint data and account number information from the FAX image. Since the application form is fixed, each image data can be easily extracted. The facsimile apparatus 13 and the facsimile reception processing unit 14 are adjusted so that the resolution at the time of facsimile communication and the size of the imprint imprinted do not change in consideration of the imprint collation processing at the financial institution. . The character recognition processing unit 4 acquires the financial institution code and the account number by character recognition of the account number information converted into electronic data, and specifies the financial institution to which the account imprint verification is to be performed. The communication processing unit 6 transmits an imprint collation request to the corresponding financial institution.

When the imprint verification is performed by the financial institution and the result of the verification is received via the communication processing unit 6, the determination processing unit 7 of the reception center determines whether the imprint stamped on the application form is correct based on the verification result. I do. Then, the determination result is returned to the reception terminal 2 at the corresponding reception desk.

Also in this embodiment, the first embodiment is used.
The same effect as described above can be obtained, but it is advantageous in terms of maintenance and the like by arranging the components centrally at the reception center instead of distributing them at each reception counter in order to have them at the reception institution.

In the above description, the reception center is set up, and the FAX server 16 for receiving the FAX image data sent from the reception desk is provided here. However, the FAX server is set up at the financial institution side. You may make it. In this case, the receiving operator specifies the financial institution by looking at the application, and transmits the received application to the financial institution by facsimile. For this reason, the FAX server installed in the financial institution does not require the collation destination specifying processing unit 5. Further, the communication processing unit 6 includes the reception terminal 2
To be installed in

In each of the above-described embodiments, the imprint data is transmitted from the accepting institution to the financial institution in order to effectively use the existing automatic matching device 8, and the imprint collation is performed on the financial institution side. However, a configuration may be employed in which the seal imprint collation device is provided at the receiving institution and the seal imprint collation is performed at the receiving institution. That is, the receiving institution transmits the account number to the financial institution, and the imprint data corresponding to the account number is transmitted from the financial institution. In this case, the financial institution only needs to transmit the requested imprint data without performing collation, so that the load on the financial institution can be reduced.

As described above, the present embodiment incorporates a simple process of converting the actual application form into electronic data instead of transferring the actual application form for imprint verification, thereby receiving the application form after receiving the application form. It is possible to obtain a very advantageous effect that the time required for determining the correctness of the written matter can be significantly reduced.

[0032]

According to the present invention, the actual imprint of the document on which the seal is imprinted is not transferred but converted into electronic data and processed, so that the seal imprint collation processing can be performed quickly. As a result, it is possible to greatly reduce the time required from receipt of a document to determination of correctness of the items described in the document.

[0033] Further, by recognizing the account number information written on the document by characters, it is possible to automate the identification of the financial institution as the seal imprint collation destination. As a result, at the receiving organization,
Since it is possible to determine whether the document is correct by simply setting the document on a scanner or a facsimile apparatus and reading the document, it is possible to greatly reduce the load in the reception work.

By providing a fax server, a fax device can be used as a means for converting the items described in a document into electronic data.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a first embodiment of an account imprint collation system according to the present invention.

FIG. 2 is a flowchart illustrating a seal imprint collation process according to the present embodiment.

FIG. 3 is a block diagram showing a second embodiment of the account imprint verification system according to the present invention.

[Explanation of symbols]

1 scanner, 2 reception terminal, 3 electronic data generation processing section, 4 character recognition processing section, 5 collation destination specifying processing section, 6,
9 communication processing unit, 7 judgment processing unit, 8 automatic verification device,
10 Imprint verification processing unit, 11 Account information database (DB), 12 Imprint database (DB), 13 FA
X device, 14 FAX reception processing unit, 15 data extraction processing unit, 16 FAX server.

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) H04N 1/00 H04N 1/00 Z F term (Reference) 5C062 AA02 AA13 AA25 AA29 AB02 AB17 AB21 AB38 AB41 AC02 AC03 AC30 AC64 AE02 AE08 AF00 AF02 BD00

Claims (5)

[Claims] 1. An account imprint collation method in which a receiving institution verifies a seal imprinted on a document received from a customer together with account number information, wherein the receiving institution reads at least the seal imprinted on the document and converts it into electronic data. And transmitting either the digitalized imprint data held by the accepting institution or the registered imprint data registered with the financial institution specified by the account number information written on the document to the other institution via the network An imprint data transmitting step, an imprint verification step of automatically collating the digitized imprint data with the registered imprint data at the receiving institution, and applying the imprint data to the document based on the verification result of the imprint data by the imprint verification step at the accepting institution. A determining step of determining whether the imprint is correct or not, the imprint being imprinted on the document. Account imprint verification method characterized by automatically performing verification. 2. A character recognition step for recognizing the account number information written on the document digitized by the digitizing step, and an account imprint collation based on the account number information recognized by the character recognition step. 2. The method according to claim 1, further comprising a collation destination specifying step of specifying a financial institution to perform the verification. 3. An account imprint verification system in which a receiving organization verifies a seal imprinted on a document received from a customer together with account number information, wherein at least a seal imprinted on the document is read and converted into electronic data at the receiving organization. Processing means; information communication processing means for exchanging at least electronic imprint data between the receiving institution and the financial institution; and electronically imprint data held by the receiving institution and written in the document. Imprint verification processing means for performing automatic comparison with registered imprint data registered with the financial institution specified by the account number information; and imprinting on the document based on the result of verification of the imprint data by the imprint verification processing means at the accepting institution. Determination processing means for determining whether the imprint is correct or not, and automatically performs collation of the imprint imprinted on the document and determination of correctness. Account imprint verification system, which comprises carrying out. 4. A character recognition processing means for recognizing characters of account number information written on the document digitized by the digitization processing means, and a destination for performing account imprint collation based on the recognized account number information. 4. An account imprint collation system according to claim 3, further comprising: collation destination identification processing means for automatically identifying the financial institution. 5. When the digitization processing means is a facsimile apparatus, the facsimile apparatus includes a facsimile server for receiving document data transmitted from the facsimile apparatus and extracting digitized imprint data from the received document data. The account imprint verification system according to claim 3, characterized in that: