JP2001143106A - Method and device for processing bill - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method and device for processing a bond such as a check or a bill for identifying the presence or absence of the MICR encode of a sum and preventing any double processing in the MICR encoding of the sum on the bill. SOLUTION: Upon placing a bond on a bond placing part 2, and starting the processing, while this bond is carried, a sum noted in the sum column and MICR encode area of the bond is read by a character reading sensor part 5, and when any sum is not MICR encoded in the MICR encode area, the read sum is MICR encoded on the bond by an MICR encode 7, and the bond is distributed to a received bond collecting part 9. Also, when the sum is already MICR encoded on the bond, the bond is distributed to a returned bond collecting part 10 without bending MICR encoded.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a security processing method and apparatus for reading an amount printed on an amount column of a security such as a check or a bill, and performing an MICR encoding process for printing the amount on the security in MICR characters. More particularly, the present invention relates to a securities processing method and apparatus capable of identifying the presence or absence of MICR encoding of an amount when the amount is MICR-encoded, thereby preventing double processing.

[0002]

2. Description of the Related Art Generally, securities such as checks and bills issued by a financial institution are brought into a financial institution for the purpose of exchanging bills, and are collectively collected from stores of the financial institution into a center.

[0003] In these securities, at each store of a financial institution, the amount indicated in the amount column of the security in a designated place on the face of the certificate in advance is set to MICR (Magnetic I / O).
NKCharacter Recognition (Magnetic Ink Character Identification) MICR encoding processing for printing with characters is performed, and the center performs processing related to bill exchange by reading the amount of MICR encoded in these securities.

[0004] However, such securities include MICR
Securities processing devices that perform encoding processing are not installed in all stores of financial institutions, so some securities collected at the center do not have MICR-encoded amounts. For securities, the amount was MICR-encoded by the central securities processor.

[0005]

However, a large number of these securities collected by the center are transferred to MIC.
When sorting between R-encoded securities and non-MICR-encoded securities, there is a problem in that the work must be manually performed, which places a heavy burden on workers.

[0006] Further, when these securities are sorted, if the securities whose amounts are MICR-encoded and those which are not MICR-encoded are erroneously sorted, the amounts are doubled with respect to the securities already MICR-encoded. Since MICR encoding is performed, there is a problem that the efficiency of securities processing is hindered.

In view of the above, the present invention discriminates the presence / absence of MICR encoding when performing MICR encoding of a money amount on a security so as not to impose a large burden and not to hinder the efficiency of securities processing. It is an object of the present invention to provide a securities processing method and apparatus capable of preventing double processing.

[0008]

In order to achieve the above-mentioned object, the invention according to claim 1 reads amount information described in an amount column of a security, and based on the read amount information, reads the amount information of the security. In a securities processing method for printing money amount information by magnetic ink characters in a predetermined print area, the money amount information written in the money amount column of the security and the print information of the predetermined print area are read, and as a result of the reading, If the amount information described in the amount column can be identified, and the magnetic ink characters are not printed in the print area,
The information corresponding to the amount information is printed in the printing area by magnetic ink characters.

Further, the invention according to claim 2 is characterized in that, in claim 1, the security is sorted into a security printed with magnetic ink characters and a security not printed.

According to a third aspect of the present invention, in the second aspect, the sorting is performed in such a manner that a security which is not printed by the magnetic ink character is a security which cannot identify the amount information in the amount column. Since the amount information of the securities is not described in the amount column of the securities, the information is further sorted to the securities for which the amount information could not be read.

According to a fourth aspect of the present invention, there is provided a method for reading amount information described in an amount column of a security, and printing the amount information using magnetic ink characters in a predetermined print area of the security based on the read amount information. In the securities processing device, information reading means for reading the amount information written in the amount column of the security and the printing information of the predetermined print area, and information read by the information reading unit, the information in the amount column Information identifying means for identifying the written amount information and the presence / absence of magnetic ink characters in the predetermined print area; and the amount information is identified by the information identifying means, and the magnetic ink characters are included in the predetermined print area. It is characterized by comprising a money amount printing means for printing the identified money amount information in magnetic ink characters on the unprinted securities.

Further, the invention of claim 5 is characterized in that, in claim 4, the information reading means is constituted by one image sensor.

According to a sixth aspect of the present invention, in the fourth aspect, the information reading means includes a first image sensor for reading the money amount column and a second image sensor for reading the predetermined print area.
And an image sensor.

The invention according to claim 7 is characterized in that, in claim 4, further comprising a security sorting means for sorting the security into a security printed by the amount printing means and a security not printed by the money amount printing means. I do.

According to an eighth aspect of the present invention, in the seventh aspect, the securities allocating means identifies the securities which have not been printed by the money amount printing means and the money amount information in the money amount column by the information identification means. It is characterized in that it is classified into a security that could not be executed and a security that could not read the amount information in the amount column by the information reading means because there is no description of the amount information in the amount column of the security.

[0016]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of a securities processing method and apparatus according to the present invention will be described in detail with reference to the accompanying drawings.

First, the configuration of a securities processing apparatus to which the present invention is applied will be described with reference to FIGS.

FIG. 1 is a block diagram showing the structure of the securities processing apparatus, and FIG. 2 is an external view showing the appearance of the securities processing apparatus.

In FIG. 1 and FIG. 2, a securities processing apparatus 1 includes a security placement unit 2 for placing a plurality of securities to be subjected to the MICR encoding process, a security delivery unit 3 for delivering the loaded securities one by one, and a delivery unit 3. Transport unit 4 that transports the security, a character reading sensor unit 5 that reads the character of the amount written in the amount column of the security and the MICR encoding area, a character identification unit 6 that identifies the read character, MICR encoder unit 7 for MICR encoding the amount,
Securities allocating unit 8 (8-1 to 8-3) for allocating securities conveyed in accordance with the processing state of the securities, received securities accumulating unit 9 for receiving processed securities, and returning unprocessed securities Returned securities accumulation unit 10 (10-1 and 10-
2), an operation unit 1 for starting and ending securities processing
1, a journal printer unit 12 for outputting the amount of processed securities and the like, and a control unit 13 for controlling each unit of the apparatus.

The MICR encoder unit 7, on which an ink ribbon is set, performs MICR encoding on securities by an impact method.

The securities sorting section 8 is provided in front of the received securities accumulating section 9 and the returned securities accumulating section 10, respectively, and serves to transfer the securities conveyed by the securities transport section 4 to the received securities accumulating section 9 and the returned securities accumulating section 9. Distribute to part 10. The returned securities accumulating unit 10 includes two returned securities accumulating units 10-1 as illustrated.
And 10-2 are provided, and the securities are accumulated in the respective returned securities accumulating units 10 according to the state in which the securities could not be processed.

The operation unit 11 manually inputs a “start / stop” key for starting or ending the security processing, a “MICR encoding non-printing / printing” key for switching whether or not to execute the MICR encoding process, and an amount for MICR encoding. There is a “numeric keypad (numerical key)”, and each operation is performed by pressing these keys.

The journal printer unit 12 outputs aggregated amount data obtained by totalizing the amounts of processed securities.

Next, with reference to FIG. 3, a series of flows of securities when processing the securities will be described.

FIG. 3 is a schematic diagram showing a series of flows of securities when processing the securities.

First, a plurality of securities are placed on the security placement section 2, and these securities are fed out one by one to the security transport section 4 by the security delivery section 3. The delivered securities are processed while being transported by the security transport unit 4.
The arrow in the figure indicates the direction in which the security is conveyed.

First, when the security passes through the character reading sensor unit 5, the character of the amount written in the amount column of the security and the amount MICR encoded in the MICR encoding area are read.

Further, while the securities pass through the MICR encoder unit 7 while being conveyed by the securities conveyance unit 4, the
Regarding the securities for which the CR encoding process is performed, the security is subjected to the MICR encoding process here.

For the security that has been subjected to the MICR encoding process, the security sorting unit 8-1 provided in front of the security stacking unit 9 receives the security transported by the security transport unit 4. The received securities are accumulated in the accumulating section 9 and the received securities are accumulated in the accumulating section 9.

For securities for which the MICR encoding process has not been performed, the returned securities accumulating units 10-1 and 10-
Securities sorting unit 8-2 or 8-3 provided before 2 sorts the securities transported to security transport unit 4 to return securities accumulation unit 10-1 or 10-2, and accumulates the returned securities. The securities are accumulated in the unit 10-1 or 10-2.

Note that the returned securities sorting unit 10-1 includes, for the securities that could not recognize the character of the amount described in the amount column of the securities, and the returned securities sorting unit 10-2. ,
Securities whose amounts are already MICR-encoded in the MICR-encoded area of the securities are accumulated.

Here, with reference to FIG. 4, a method of reading the amount indicated on the security will be described.

FIG. 4 is an external view showing the appearance of the security and a schematic diagram showing a method of reading the amount of money written on the security.

As shown in FIG. 3A, a security 31 such as a check or a bill has a money amount column 32 at the top of the bill, in which the amount of money drawn out is written, and a lower right corner of the bill. There is a MICR encoding area 33 for MICR encoding the amount described in the column 32. The positions of the money amount column 32 and the MICR encoding area 33 are designated.

In the security processing apparatus according to the present invention, the amount of the MICR
In order to identify whether it is encoded and to prevent double processing of MICR encoding,
It is necessary to read the MICR encoding area 33 in addition to the money amount column 32.

Therefore, as shown in FIG. 1B, a character reading sensor unit 5-1 having a reading range substantially equal to the length of the security in the vertical direction is arranged in the security processing apparatus. The portion indicated by the oblique lines above can be read.

The character reading sensor unit 5-1 is fixed to the security processing device, and reads the face of the security 31 while moving the security 31 in the direction of the arrow, as shown in FIG. It is possible to read almost the entire surface of the bill as shown by hatching except for the upper end of the bill, and the money amount column 32 and the MICR encoding area 3 inside this part.
3 can be read individually.

Since the amount of money 32 and the MICR encoding area 33 of the security 31 are longer in the left-right direction than in the up-down direction, the security 31 is moved in the left-right direction. By reading, the character amount sensor 32 and the MICR encoding area 33 can be respectively read by the character reading sensor unit 5-1 having a small number of elements.

As described above, the character reading sensor unit 5-1 of the securities processing apparatus shown in FIG. 2B has a reading range substantially equal to the length of the security in the vertical direction.
As shown in FIG. 3C, many unnecessary parts other than the money amount column 32 and the MICR encoding area 33 are also read.

Therefore, as shown in FIG. 4D, two character reading sensor units 5-2 and 5-3 for reading the money amount column 32 and the MICR encoding area 33 are arranged, respectively.
When reading is performed in the same manner as described above, the money amount column 32 and the MICR encoding area 33 are read as shown in FIG.
It is also possible to read only the portion including.

Finally, with reference to FIGS. 5 and 6, the flow of operation of the security processing apparatus when processing a security will be described.

FIG. 5 is a flowchart showing an operation flow of the security processing apparatus when processing a security, and FIG. 6 is a flowchart showing an operation flow of the security processing apparatus when MICR-encoding a security.

First, a security is placed on the security placing section 2 of the security processing apparatus 1 (step 101), and "start / stop" for starting or ending the processing of the security in the operation section 11 (not shown). When the key is pressed (Step 10
2) The securities placed on the security placement unit 2 are sent out one by one from the security delivery unit 3, and the security transport unit 4 transports the securities (step 103).

While the securities are being conveyed to the securities transport section 4, the amount is read, the MICR encoding is performed, and the securities are sorted and distributed.
A series of processing such as accumulation is performed (step 10).
4).

As shown in the flowchart of FIG. 6, in these series of processes, the character reading sensor unit 5 first MICR-encodes the characters of the amount indicated in the amount column 32 of the security and the MICR encoding area 33. Each amount is read and these characters are recognized (step 2).
01).

As a result, the character of the amount described in the amount column 32 can be recognized (YE in step 202).
S) If the amount is not MICR-encoded in the MICR encoding area 33 (N in step 203)
O), while transporting this security, the MICR encoder unit 7
In step 2, MICR encoding is performed (step 2).
04), the amount of this security is added to the total amount data (step 205).

Further, the securities allocating unit 8 distributes the MICR-encoded securities to the received securities accumulating unit 9 and accumulates them (step 206).

In step 202, the characters of the indicated amount can be recognized because the characters of the amount indicated in the amount column 32 of the security are light or the surface of the sheet is stained. If not (NO in step 202), the MICR encoding process cannot be performed, so the securities allocating unit 8 distributes the securities to the returned securities accumulating unit 10-1 and accumulates the securities (step 207). .

In step 203, if the amount has already been MICR-encoded in the MICR encoding area of the security (YES in step 203), the security allocating unit 8 transfers the security to the return security accumulation unit 10-2. It is sorted and accumulated on this (step 208).

After a series of processing of the securities is completed, the security placing section 2
If there is any outstanding securities (YE in step 105)
S), the process returns to step 103, and similar processing is performed on this security. Then, all the securities placed on the security placing section 2 are processed, and if there is no unprocessed security (N in step 105).
O), end the operation.

In step 202, the amount column 3
For securities for which the characters of the amount of money described in No. 2 could not be recognized, check whether the characters of the amount of money were described in the amount of money column 32, and there was no description of the amount of money in the amount of money column 32,
A security that cannot be subjected to the MICR encoding process because the amount of money that has been issued is unknown may be provided separately in a return securities accumulation unit, and sorted and accumulated.

Further, in this embodiment, the securities subjected to the MICR encoding process are accumulated in one accepted securities accumulating section 9, but this accepted securities accumulating section 9 and returned securities accumulating sections 10-1 and 10- The specifications of No. 2 are the same, and it is possible to arbitrarily set the method of distributing the acceptance or return of securities to these securities accumulation departments. In general, when processing securities, the number of securities that have undergone MICR encoding processing is often greater than the number of securities that have not been subjected to MICR encoding processing. It is also possible to disperse the securities that have been subjected to the MICR encoding process to a plurality of received securities accumulating units 9 and accumulate them.

By the way, this securities processing apparatus has a manual processing mode for manually performing MICR encoding in addition to the automatic processing mode for automatically performing MICR encoding as described above. After switching the MICR encoding process to the manual processing mode, the returned securities accumulating unit 10-1
The amount of the security for which the amount of money in the amount column allocated to is not able to be recognized is input directly from the “numerical key (numerical key)” on the operation unit 11 (not shown), and is the same as in the automatic processing mode. Then, when this security is placed on the security placement unit 2 and the "start / stop" key is pressed, the amount input from the "numeric keypad (numerical key)" can be MICR encoded.

Further, the security processing apparatus has a MICR encoding non-printing mode in which only the MICR encoding process is stopped. Although not shown, after pressing the “MICR encoding non-printing / printing” key on the operation unit 11, the securities whose amount has been MICR-encoded and distributed to the returned securities accumulation unit 10-2 are stored in the security placing unit 2.
And press the “Start / Stop” key.
After reading the amount indicated in the amount column of this security, the MICR encoding process is not performed and the MICR
The amount of the security can be added to the aggregated amount data obtained by totalizing the amounts of the encoded securities.

As described above, in order to sort the securities that have not been subjected to the MICR encoding process to the returned securities accumulating unit 10-1 or 10-2 in accordance with the processing state of these securities, the securities are reprocessed. In addition, each returnable securities accumulating unit 10 can be reprocessed collectively.

Note that the inability to process a security is regarded as a processing error, and when a processing error occurs during the processing of a security, the processing is automatically stopped without using the “start / stop” key. The securities can be reprocessed each time.

[0057]

As described above, according to the present invention, the character of the amount written in the amount column of the security is read, and when the amount is MICR-encoded into the security, the presence or absence of the MICR encoding is identified. As a result, the MICR encoding process is performed only when the MICR encoding process is not performed, so that the MICR encoding can be prevented from being double-processed, thereby reducing a large workload and improving the efficiency of securities processing. Can be done.

Furthermore, securities that have not been subjected to the MICR encoding process can be sorted in accordance with the processing status of these securities. Therefore, when re-processing securities, each time the securities are sorted, they are collectively collected. Respectively, so that the efficiency of securities processing can be further improved.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of a security processing device.

FIG. 2 is an external view showing the external appearance of the securities processing apparatus.

FIG. 3 is a schematic diagram showing a series of flows of securities when processing the securities.

FIG. 4 is an external view showing the appearance of a security and a schematic diagram showing a method of reading the amount of money written on the security.

FIG. 5 is a flowchart showing the flow of the operation of the securities processing apparatus when processing securities.

FIG. 6 is a flowchart showing an operation flow of the security processing device when MICR-encoding a security.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Securities processing apparatus 2 Securities placement part 3 Securities feeding part 4 Securities transport part 5, 5-1 5-2, and 5-3 Character reading sensor part 6 Character identification part 7 MICR encoder part 8 Securities distribution part 9 Accepted securities Stacking unit 10 Returned securities stacking unit 11 Operation unit 12 Journal printer unit 13 Control unit 31 Securities 32 Amount column 33 MICR encoding area

Claims (8)

[Claims] 1. A securities processing method for reading money amount information described in a money amount column of a security, and printing the money amount information by magnetic ink characters in a predetermined printing area of the security based on the read money amount information, The amount information described in the amount column of the security and the print information of the predetermined print area are read.As a result of the reading, the amount information described in the amount column can be identified, and If the magnetic ink characters are not printed, information corresponding to the money amount information is printed in the printing area with the magnetic ink characters. 2. The security processing method according to claim 1, wherein the security is sorted into a security printed with magnetic ink characters and a security not printed. 3. The method according to claim 1, wherein the sorting is performed on the securities for which printing with the magnetic ink characters is not performed, for the securities for which the amount information in the amount column cannot be identified, and for the amount column of the securities, there is no description of the amount information. 3. The security processing method according to claim 2, further comprising the step of: further allocating to the securities for which the amount information could not be read. 4. A securities processing apparatus for reading money amount information written in a money amount column of a security, and printing the money amount information by magnetic ink characters in a predetermined printing area of the security based on the read money amount information, Information reading means for reading the amount information described in the amount column of the security and the print information of the predetermined print area; and from the information read by the information reading unit, the amount information described in the amount column Information identification means for identifying the presence or absence of magnetic ink characters in the predetermined print area, and the amount information is identified by the information identification means, and, on the security where the magnetic ink characters are not printed in the predetermined print area, A money printing device for printing the identified money information in magnetic ink characters. 5. The security processing device according to claim 4, wherein said information reading means is constituted by one image sensor. 6. The information processing apparatus according to claim 4, wherein the information reading unit includes a first image sensor for reading the amount column and a second image sensor for reading the predetermined print area. Securities processing equipment. 7. The security processing apparatus according to claim 4, further comprising security sorting means for sorting the security into a security printed by the amount printing means and a security not printed by the money printing means. 8. The security allocating means includes: a security that has not been printed by the money amount printing means; a security whose money amount information in the money amount column cannot be identified by the information identification means; 8. The securities processing apparatus according to claim 7, wherein since the amount information is not described in the column, the information is sorted into securities for which the amount information in the amount column could not be read by the information reading means.