CN200976168Y

CN200976168Y - Automatic checks cash register

Info

Publication number: CN200976168Y
Application number: CNU200620064376XU
Authority: CN
Inventors: 刘伟; 肖斌
Original assignee: 刘伟; 肖斌
Current assignee: Beijing Yusys Technologies Co., Ltd.
Priority date: 2006-09-15
Filing date: 2006-09-15
Publication date: 2007-11-14
Anticipated expiration: 2016-09-15

Abstract

The utility model relates to an automatic accounting machine, which can solve the technical problem of how to provide a rapid, convenient, and very accurate automatic accounting machine. In order to solve the problem, the utility model comprises a computer, an obtaining device of bill image, an input device, an image displaying device, a printer and a responding cabinet. The obtaining device of bill image and the input device are connected with the input port of the computer; the image displaying device and the printer are connected with the output port of the computer, which are integrated in the cabinet. By the technical proposal, the automatic accounting machine of the utility model has the advantages of rapidness, convenience, high accuracy, and good fake prevention, being suitable for the processing of financial check, and becoming the essential machine for the financial system reforming.

Description

Automatic check cash register

Technical field

The utility model relates to a kind of check and differentiates treatment facility automatically, particularly a kind of automatic check cash register.

Background technology

Bank is client and reducing cost for convenience, has released various Self-Services, and the swipe the card widespread usage of cash receiving terminal POS machine of ATM (automatic teller machine) ATM and trade company has been brought huge income to bank, and cost also constantly descends, and has also made things convenient for client's consumption and financing.In order to promote economic development, reduce bank's operation cost.Head office of the People's Bank just actively promoted before and after 08 year, and check can be national general, but did not also have the equipment of suitable automatic processing check in the prior art.

At present, just actively carry out bill in banking system and focus on business, but owing to there are not the suitable technique means, there be not to realize " AM/BAM of bank settlement business separates ", bill focuses on and can't guarantee in the professional process accuracy of client identity identification is existed security risk and credit risk.And inefficiency, need a large amount of manual interventions in the operation flow.China Merchants Bank also plans to realize " AM/BAM of bank settlement business separates " and " image dams ", also is to suffer from not have the suitable technique means.

The utility model content

The technical problems to be solved in the utility model is how to fill up the above-mentioned blank of prior art, and a kind of quick and easy, automatic check cash register that accuracy is high is provided.

For solving the problems of the technologies described above, the automatic check cash register of the utility model comprises that computing machine, bill image obtain equipment, input operation equipment, image display, printer and corresponding rack, wherein, bill image obtains equipment, input operation equipment and input end and computer mouth and joins; The output port of image display, printer and computing machine joins, and all is integrated in the described rack.

Its singularity is: described input operation equipment, image display all refer to touch-screen.

Its singularity is: described input operation equipment is numeric keypad, and described image display is a display.

Its singularity is: it is scanner, video camera or digital camera that described bill image obtains equipment.

Before the use, after the corresponding driving of packing in the described computing machine program, by wired or wireless mode and financial sector networking.

The user handles when opening an account to bank, and bank carries out digitizing with user's proof of identification seal, and is placed into bank center's database.

When the user when bank purchases check, bank is undertaken the numbering of the class of business of check, user's account number, check, the amount of money (only being applicable to cashier's cheque), user's name in an account book, user's seal image data to generate two dimensional gray figure sign indicating number (abbreviating bill figure sign indicating number as) behind the compress-encrypt by bill figure sign indicating number printing equipment, be printed on the bill, and the authenticating computer of the relevant bank of deposit of this bill figure sign indicating number input is for future reference.

Described bill figure sign indicating number is made up of the color lump of anti-counterfeiting line and different gray scales, naked eyes are as seen on check for this bill figure sign indicating number, but its arrangement mode from the figure is above 100,000,000 kinds, have only by image recording device such as scanner, video camera or digital camera the image input computer, just can read the intension data through the bill figure sign indicating number decryption system corresponding with encryption system.And because duplicating machine, scanner and printer all have certain deviation.So the check that only reliable raw data directly prints could be discerned by native system.Print the check of forging again by after duplicating or scanning, then native system can't read.Thereby greatly improved check and forged ability.

The user can also use bill figure sign indicating number printing equipment to print information such as the amount of money, check purposes in the mode of bill figure sign indicating number on check, and with an official seal affixed on the relevant position of check, can use (after cashier's check is with an official seal affixed, can directly use);

After bank or other drawees receive check, bill image by the automatic check cash register of the utility model obtains equipment with the bill image input computer, this bill image obtains equipment location bill figure sign indicating number on cheque image automatically, and the process decoding algorithm is data such as the account number of the class of business of extraction check, check, check number, the amount of money, user's name in an account book, seal image from bill figure sign indicating number automatically.If can't machine-readablely obtain the data in the bill figure sign indicating number, perhaps then the seal information in this check user's seal and the bill figure sign indicating number is not inconsistent, and can distinguish that then this check is through altering or the stumer of forgery.

After the automatic check cash register of the utility model carries out check classification and thick identification, and according to the classification check image and check identifying information are transferred to corresponding clearing center, small check (such as below 20,000 yuan), by described clearing center after freezing corresponding fund on the account of client or bank of deposit, relevant information is fed back to check recruiting unit, preparation before check recruiting unit begins to conclude the business in advance is (as signing purchase order or opening invoice, it is single to fill in after sale service, arrange dilivery date etc.), described clearing center is transferred to bank of deposit with check image or check identifying information subsequently, after check obtains bank of deposit's affirmation, transaction is normally carried out, respective handling is made by bank of deposit, the check of receiving file for reference through former bill logistics program.Bank of deposit notifies described clearing center as having objection, and by described clearing center relevant information is fed back to check recruiting unit, check recruiting unit abort transactoin (as refusal delivery, returned ticket), even make reporting to the police and handle.

The check of medium amount (such as more than 20,000 yuan, below 100,000 yuan), should at first obtain bank of deposit confirms, freeze corresponding fund by described clearing center on the account of client or bank of deposit then, check recruiting unit can begin transaction, needn't cover complicated bill logistics program by the time.

Before wholesale check (such as more than the 100000 yuan) transaction, still need to confirm, and cover complicated bill logistics program through bank of deposit.

Financial sector utilizes that the automatic check cash register of the utility model can realize that check is handled automatically, the AM/BAM of the bank settlement business " separate " and " image dams ".The automatic check cash register of the utility model is actually a kind of check POS machine, can provide the service of check processing easily and efficiently as withdrawing deposit from Automatic Teller Machine for the client.The cashier's check business can be expanded to transaction one lines such as remote districts or market, supermarket, traffic, catering trade, service, power supply, water supply, postal service, communications.

After adopting technique scheme, the automatic check cash register of the utility model has advantage quick and easy, that accuracy is high, anti-counterfeiting performance is strong, is applicable to financial check processing, is the indispensable weapon of financial sector reform.

Description of drawings

Fig. 1 is the circuit connection diagram of the automatic check cash register of the utility model embodiment one;

Fig. 2 is the circuit connection diagram of the automatic check cash register of the utility model embodiment two.

Fig. 3 is the workflow diagram of the automatic check cash register of the utility model.

Embodiment

Below in conjunction with accompanying drawing the automatic check cash register of the utility model is described further:

Embodiment one: the automatic check cash register of the utility model comprises computing machine 1, scanner 2, numeric keypad 3, display 4, printer 5 and corresponding rack as shown in Figure 1, and wherein, scanner 2, numeric keypad 3 join with the input port of computing machine 1; Display 4, printer 5 join with the output port of computing machine 1, and all are integrated in the described rack.

Embodiment two: the described numeric keypad 3 of the automatic check cash register of the utility model, display 5 are replaced by touch-screen 6 as shown in Figure 2, and remainder is formed as described in the enforcement mode one.

Claims

1, a kind of automatic check cash register, it is characterized in that: comprise that computing machine, bill image obtain equipment, input operation equipment, image display, printer and corresponding rack, wherein, bill image obtains equipment, input operation equipment and input end and computer mouth and joins; The output port of image display, printer and computing machine joins, and all is integrated in the described rack.

2, automatic check cash register according to claim 1, it is characterized in that: described input operation equipment, image display all refer to touch-screen.

3, automatic check cash register according to claim 1, it is characterized in that: described input operation equipment is numeric keypad, described image display is a display.

4, according to claim 1 or 2 or 3 described automatic check cash registers, it is characterized in that: the male servant states bill image, and to obtain equipment be scanner, video camera or digital camera.