KR101002515B1 - Atm installed check image processor - Google Patents

Abstract

The present invention relates to an automated teller machine equipped with a check image processor capable of realizing an unmanned check processing device through a check image processor and a sensor in a financial teller machine.

To this end, the present invention, the bankbook arranging unit and the card and the specification table processing unit is installed at the upper end, the main body and the customer operation unit is installed, respectively, the card and the specification table processing unit, the reflux type bank withdrawal device is installed In the automated paper machine, a check deposit module is installed between the bankbook arranging unit and the main body by double-checking the check image processor, and the check deposit module is loaded on the check deposit box and the check discharge box at the top of the check deposit module. A recovery box for is installed; The endorsement stack is disposed on the left check passage, and the MICR sensor and the scanner are respectively installed on the left check passage, and the MICR sensor and the scanner are installed on the left check passage, respectively. It is characterized in that the end of the check passage from the unit and the end of the check passage of the check discharge box is installed so that the temporary stack unit for the batch discharge.

Automatic teller machine, check image processor, unattended check processing device

Description

Financial automated machine with check image processor {ATM INSTALLED CHECK IMAGE PROCESSOR}

1 is a view showing the automated teller machine equipped with a check image processor according to an embodiment of the present invention,

2 is a view for explaining the check image processor of the sheet deposit batch release method;

3 is a view for explaining the check image processor of the batch deposit / batch release method,

4 is a schematic diagram illustrating a check exchange method using a financial automatic machine equipped with a check image processor.

* Explanation of symbols for the main parts of the drawings

10: automatic teller machine 11: bank account book

12: Card and specification table processing unit

13: check image processor 14: customer control unit

15: main body 16: reflux type banknote withdrawal device

The present invention relates to an automated teller machine equipped with a check image processor capable of realizing an unmanned check processing device through a check image processor and a sensor in a financial teller machine.

Regarding financial services, the automatic teller machine is a device developed to provide unmanned services without any consultation service quickly and conveniently, regardless of time. There are cash dispensers and automatic teller machines. It is a device that has been developed and used since the early stage for the computerization of financial business, and it is a device that can automatically withdraw cash only. In addition to the automatic cash payment function, the automatic teller machine is equipped with a deposit function.

Looking at the configuration of the automatic teller machine, a key input unit consisting of a plurality of keys converts the user's input information into an electrical signal and outputs the information, stored in the IC chip according to the information stored in the magnetic strip of the passbook or credit card, or the communication unit The bank account / card recognition unit, which allows you to check your identity, record deposits and withdrawals, and return the card or bankbook by sending it to the central computer of the head office through Or a security camera unit connected to a professional security service company via a surveillance camera or a surveillance button to enable 24-hour monitoring, a storage unit for storing the program and deposit and withdrawal information for controlling the operation of the system, the key input unit and an account book / Receiving the output signal of the card recognition unit through the communication unit according to the key input information Main board having a central processing unit for controlling the financial transaction function by exchanging information with the central computer of the point, a communication unit for performing information exchange with the central computer of the main store, information input through the key input unit and the central processing unit A display unit that displays information processed by the user so that the user can recognize it, a printing unit which prints the transaction details on the bankbook, and prints and prints the transaction statement, a check deposit and withdrawal function for deposit and withdrawal of checks It includes a cash withdrawal unit and the like for withdrawing money.

Thus, when information for financial transactions is input following the recognition of the bankbook / card, the check and withdrawal unit or the cash withdrawal unit can be operated while performing data communication with the central computer of the head office to perform the required transaction. However, in the conventional method, there is a method in which a bank employee checks and exchanges a check one by one, and a bank employee reads the check through a check image processor to perform an online exchange. Both of these methods require the intervention of a bank employee. It is supposed to.

Therefore, the receipt of the check as an image from the automated teller machine operated by a remote place to process it at a remote location has caused inconvenience to be confirmed by moving to the place where the banker unattended operation.

The present invention has been invented to receive the check as an image in the automated teller machine as described above to solve this process at a remote location and to solve the check by the bank clerk, install an unattended check image processor to receive the check from the automated teller machine mechanically Its purpose is to provide a automated teller machine equipped with a check image processor that can revitalize the economy by not only reducing the work between banks by checking and clearing through the exchanges between the issuing banks, but also reducing the cashing of checks.

In order to achieve the above object, the present invention, the bankbook arranging unit and card and specification table processing unit is installed at the upper end, and the bankbook arranging unit is installed on the main body and the external customer control unit, respectively, the cash flow bank deposit and withdrawal to the card and specification table processing unit In the automatic teller machine equipped with the device, a check deposit module is installed between the bankbook organizer and the main body by double-checking the check image processor, and a check deposit box and a check deposit box are discharged to the top of the check deposit module. Loaded up and a separate recovery box installed; The endorsement stack is disposed on the left check passage, and the MICR sensor and the scanner are respectively installed on the left check passage, and the MICR sensor and the scanner are installed on the left check passage, respectively. It is characterized in that the end of the check passage from the unit and the end of the check passage of the check discharge box is installed so that the temporary stack unit for the batch discharge.

Another embodiment of the present invention, the bankbook arranging unit and card and specification table processing unit is installed at the upper end, the bankbook arranging unit and the customer operation unit is installed, respectively, the card and specification table processing unit is a reflux type bank withdrawal device In the automated teller machine installed, a check deposit module is installed between the bankbook organizer and the main body by double-checking the check image processor, and a check deposit box and a check discharge box are placed at the bottom of the check stack at the top of the check deposit module. A stacker is installed, and a separate collection box is installed while a deposit / withdrawal / return stack unit in which a shutter is mounted is installed at the end of the left passage of the check stack; The endorsement check stack unit is provided with an endorsement printer on the left check passage, and an MICR sensor and a scanner are installed on an extension line, and a deposit / withdrawal / return stack unit is installed at the end of the check passage. A check conveying path is installed, and a MICR sensor and a scanner are respectively installed on the left check path even when the check is discharged.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view illustrating an automated teller machine equipped with a check image processor according to an embodiment of the present invention. The present invention provides an automatic check processing apparatus through a check image processor 13 and a sensor in the automated teller machine 10. It is a financial automation device equipped with a check image processor that can be implemented as well as to unify deposit and withdrawal devices (see FIGS. 2 and 3).

The bankbook arranging unit 11 and the card and specification table processing unit 12 are installed at the upper end of the automatic teller machine 10, and the bankbook arranging unit 11 is provided through the check image processor 13 through the main body unit ( 15) is installed, and the card and the specification table processing unit 12 is provided with a reflux type bank withdrawal device (16). In addition, the customer control unit 14 is installed at the center of the automated teller machine 10.

The present invention configured as described above duplicates the check image processor 13 to the check deposit module in the banking automation device 10 which is widely used for bank automation and imposes a magnetic ink character recognition (MICR) sensor to deposit checks. Image to make online exchange possible. The check image processor 13 enables future comparison at the time of withdrawal, and due to the characteristics of the automated teller machine 10 implemented in a limited space on the front, as shown in Figs. have.

Figure 2 is for explaining the check image processor of the single deposit batch discharge method, the scanner 25, the MICR sensor 24 and the endorsement printer 23 is a one-way deposit and withdrawal in the automatic teller machine capable of unattended check image processing It is taking from generation to generation. The check image processor is duplicated so that a check deposit box 21 and a check discharge box 22 are loaded and installed at a lower end of the check stack 20 at the top of the check deposit module, and a separate collection box 28 is installed. do.

That is, the endorsement check stack unit 20 has an endorsement printer 23 disposed on the left check passage, and an extension line MICR sensor 24 and a scanner 25 are respectively installed, and the check discharge box 22 is provided. In addition, the MICR sensor 24 and the scanner 25 are respectively installed on the left check passage. Accordingly, the temporary stack unit 26 for discharging the check passage from the check check unit 20 and the end of the check passage of the check discharge box 22 are connected to each other.

Separation units 27 are installed at both ends of the temporary stack unit 26 so that the check passage 20 of the check stack 20 and the check passage of the check discharge box 22 are connected to each other. The collecting box 28 is provided under the separating unit 27 on the check passage side of the check discharge box 22.

3 is for explaining the check image processor of the batch deposit / batch discharge method, the scanner 35, the MICR sensor 34 and the end printer 33 is a one-way deposit and withdrawal in the automatic teller machine capable of unattended check image processing It is taking one by one. The check deposit processor 31 and the check discharge box 32 are stacked and installed at the bottom of the check deposit module 30 at the upper part of the check deposit module by double-checking the check image processor. At the end of the passage, the deposit / withdrawal / return stack portion 36 in which the shutter 40 is mounted is installed, while a separate collection box 38 is installed.

That is, the endorsement check stack unit 30 is provided with an endorsement printer 33 on the left check passage while the MICR sensor 34 and the scanner 35 are installed in an extension line, respectively. And. At the end of the check passage, a deposit / withdrawal / return stack portion 36 is provided, while an abnormal check conveyance path 39 is provided through each separation portion 37. In the check box 32, the MICR sensor 34 and the scanner 35 are respectively installed on the left check passage.

Therefore, a connecting passage through each separation unit 37 is provided at the end of the check passage of the check check delivery box 39 and the check discharge box 32 from the normal check stack unit 30. The check passages of the check check box 30 and the check discharge box 32 are connected to each of the separating parts 37. The collecting box 38 is provided below the separating unit 37 on the check passage side of the check discharge box 32.

4 is a schematic diagram showing a check exchange method using a check automation processor equipped with a check image processor. The check issuing bank computer center 51 includes a check automation processor 10 equipped with a check image processor according to the present invention. Since the check receiving bank computer center 52 is connected online, the check issuing bank computer center 51 and the check receiving bank computer center 52 are connected to the check exchange center 51 online.                     

The operation of the automated teller machine equipped with the check image processor of the present invention configured as described above will be described with reference to FIGS. 1 to 4.

First, the automated teller machine 10 equipped with the check image processor 13 shown in FIG. 1 is connected to the check issuing bank computer center 51 or the check receiving bank computer center 52 online as shown in FIG. 4. The central check exchange center 51 is also configured to operate online.

Thus, the automated teller machine 10 equipped with the check image processor 13 of the present invention connected to the online system can be used as an automated teller machine capable of processing an unattended check image as shown in FIG. In order to process the check in the automated teller machine 10, the user recognizes this by processing the check in the check image processor 13 at the same time as the check is input.

Endorsement printer shown in Figure 2 or 3 through the process of confirming that the check is a normal check through the check image processor 13 and identity verification through a transaction medium (for example, card, password, mobile phone and biometrics, etc.) (23; 33), while endorsing and receiving it, the check information, trader information, and image information are sent to the center (see Fig. 4) for cash exchange at the issuing bank. And, this can be confirmed by comparing the check image and the data at a remote location.

When the check image is processed by using the automated teller machine equipped with the check image processor of the present invention, check information can be read from the check image, and the correct data of the check can be confirmed through the MICR sensor 24; In parallel with this, the scanner 25: 35 may read a simple image, and the check information may be read by the MICR sensors 24 and 34 to improve the processing speed. In addition, the image can be read at the time of check issuance can be used for future exchange.

As described above, according to the present invention, it is possible to solve the inconvenience of the bank clerk by not only increasing the convenience of the check exchange operation but also implementing the same in the unmanned apparatus.

In addition, although the technical concept of the automatic teller machine equipped with the check image processor of the present invention has been described based on the exemplary drawings, which is illustrative of the best embodiment of the present invention, which limits the claims of the present invention. It is not. It will be apparent to those skilled in the art that various modifications and imitations can be made without departing from the scope of the technical idea of the present invention.

Claims (4)

In the upper part of the bankbook organizer and card and the specification table processing unit is installed, the bank accounting unit is installed in the main body and the external customer operation unit, respectively, and the card and specification table processing unit in the automated banknotes withdrawal device is installed in , A check deposit module is installed between the bankbook arranging unit and the main body unit by a check deposit module, and the check deposit module is loaded with a check deposit box and a check discharge box at the bottom of the check deposit module and a separate collection box is installed; The endorsement stack is disposed on the left check passage, and the MICR sensor and the scanner are respectively installed on the left check passage, and the MICR sensor and the scanner are installed on the left check passage, respectively. A check automated teller machine equipped with a check image deposit and withdrawal machine, characterized in that the end of the check path from the book and the check path end of the check box is connected so that the temporary stack unit for batch discharge. The method of claim 1, A check image is provided at both ends of the temporary stack part, and a check passage is connected to the check stack of the check stack and the check check box. Automatic teller machine equipped with a teller machine. In the upper part of the bankbook organizer and card and the specification table processing unit is installed, the bank accounting unit is installed in the main body and the external customer operation unit, respectively, and the card and specification table processing unit in the automated banknotes withdrawal device is installed in , The check deposit module is installed by double-checking the check image processor between the bankbook organizer and the main body, and the check deposit box and the check discharge box are installed at the bottom of the normal check stack at the top of the check deposit module. A separate collection box is installed while a deposit / withdrawal / return stack unit with a shutter is mounted at the end of the left passage; The endorsement check stack unit is provided with an endorsement printer on the left check passage, and an MICR sensor and a scanner are installed on an extension line, and a deposit / withdrawal / return stack unit is installed at the end of the check passage. A check transfer path is installed, and the automated teller machine equipped with a check image deposit and withdrawal machine, characterized in that the MICR sensor and the scanner are installed on the left check passage in addition to the check discharge. The method of claim 3, wherein A connecting passage through each separation unit is provided at the end of the check passage of the abnormal check conveying path and the check discharge box from the normal check stack unit, and the check passage of the check deposit unit and the check discharge box is connected to each other through the respective separating units. A financial automated machine equipped with a check image withdrawal machine, characterized in that the collection box is installed.

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