JP2002190055A - Draft/check receiving system in automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To eliminate disturbance in transaction by an automatic transaction device because a conventional automatic transaction device cannot determines whether an instant transaction is possible or not about a transaction such as payment by a draft/check possibly incapable of instantly confirming a balance of a current account. SOLUTION: This device is provided with a presentation history forming means, by which a draft/check presentation history is formed for every automatic transaction device according to information obtained by a grabbing means and a reading means, and a presentation medium collecting means collecting the draft/check presented by the presentation history from the automatic transaction device accepting the draft/check.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for accepting bills and checks in an automatic transaction apparatus used in financial institutions and the like.

[0002]

2. Description of the Related Art A conventional automatic transaction apparatus used in a financial institution or the like handles transactions related to online processing in a customer account such as deposit, withdrawal, and transfer.

[0003]

In recent years, financial institutions have been promoting the use of transactions at counters for automatic transaction devices in order to promote rationalization of management and the like. However,
For transactions that may not be able to determine the balance of the checking account immediately, such as deposits by bills or checks, it is not possible to determine whether or not immediate processing is possible with the conventional automatic transaction equipment, and therefore, at the counter, Processing, which is an obstacle in transactions with automatic transaction equipment.

[0004]

SUMMARY OF THE INVENTION Accordingly, the present invention provides a presentation history creating means for creating a presentation history of a bill or a check for each automatic transaction device based on the information obtained by the taking means and the reading means, and the presenting means. And a presentation medium collecting means for collecting the bills or checks presented by the history from the automatic transaction apparatus which has received the bills or checks.

Further, an authentication information storing means for storing authentication information necessary for cashing the check, and comparing the information obtained by the capturing means and the reading means with the information in the authentication information storing means, to check cashing of the check. Determination means for determining whether or not the amount is sufficient for the check, the cash transaction means for paying out the denomination of the check received based on the result of the determination means, and the acquisition means and the reading means. Presentation information printing means for printing the presentation information obtained from the obtained information.

[0006] Further, authentication information storage means for storing authentication information necessary for cashing a check, and presenting information obtained by the capturing means and reading means are compared with information in the authentication information storage means to cash the check. Determination means for determining whether or not the check is sufficient, and payment means for depositing the face value of the check into the account designated by the deposit account designation means when it is determined that the cash can be made by the determination means. Wherein the automatic transaction apparatus has presentation information printing means for printing presentation information obtained from the information obtained by the capturing means and the reading means.

[0007]

Embodiments of the present invention will be described below with reference to the drawings. 1st Embodiment FIG. 1 is an external view explanatory view of an automatic transaction apparatus.
1 is an operation display unit for displaying information necessary for a customer while inputting information and selecting a transaction necessary for the transaction, 2 is a coin insertion / receipt slot, 3 is a bill insertion / receipt slot, and 4 is a form insertion / receipt. Mouth 5 is a card receipt insertion / receipt port.

[0008] A customer enters necessary information from the operation display section 1 and inserts or receives a medium in each insertion / reception port to perform a transaction. FIG. 2 is a block diagram of the automatic transaction apparatus, 6 is a bill receiving / dispensing section, 7 is a coin receiving / dispensing section, 8 is a card read / write section, 9 is a receipt printing section,
10 is a passbook, statement printer and bill
1 is an operation display unit in FIG. 1 which is controlled by the control unit 11 and communicates with a financial institution host system such as a bank via the communication unit 12 to perform a transaction. Holds.

Reference numeral 13 denotes a storage unit which stores data necessary for a transaction and a program of the control unit 11. Although not shown in the form processing unit 10, the image reader 10 reads color images on both sides of the bill and the check.
1 (not shown, but will be denoted for the following description; the same applies to the following), a magnetic ink character reading unit (hereinafter referred to as MICR) 102 for reading magnetic ink characters on the surface of a bill or a check, and printing magnetic ink characters And a plurality of securities storages 104a for storing accepted bills and checks.
To 104c.

FIG. 3 is an explanatory diagram of a connection state of the automatic transaction apparatus. The host system 141 of the center 14 has a customer who has established an immediate settlement account (ordinary savings account) at a financial institution corresponding to a database (not shown). Transaction history and the like are stored, and the data server 15 of each of the stores 15, 16, and 17 is stored.
1, 161 and 171 store the transaction history and the like of the checking account in the corresponding branch. 18 is a switching line.

The operation of the first embodiment will be described below with reference to the flowchart of FIG. Sa1 A transaction selection screen is displayed on the operation display unit 1 of the automatic transaction device. Sa2 It is determined whether there is a transaction selection input. Sa3 It is determined whether or not bill / check deposit has been selected. Sa4 A screen for guiding the insertion of a bill / check is displayed on the operation display unit 1, and the form processing unit 10 is instructed to inhale the bill / check.

Sa5 It is determined whether or not the bill / check inhalation operation (reading of an image, reading of evidence information by MICR operation, etc.) has been completed normally. Sa6 The operation display unit 1 displays a guidance screen for inputting whether the deposit account is a savings account or a checking account. Sa7 It is determined whether the input by the customer was a savings account or a checking account.

Sa8 If the deposit account is a savings account in Sa7, a screen for guiding the insertion of the transaction card is displayed on the operation display unit 1 and the transaction card is inhaled to the card read / write unit 8. To instruct. Sa9 It is determined whether the suction operation of the transaction card (the magnetic stripe reading operation or the like) has been completed normally.

If the deposit account is a checking account in Sa10 Sa7, a screen for guiding the input of the account number of the checking account is displayed on the operation display unit 1. Sa11 The control unit 11 of the automated teller machine transmits the host system 14 of the center 14 from the communication unit 12 via the exchange line 18.
To 1, the data read from the bill / check at Sa5 and S
The information read from the transaction card at a7 or the checking account number entered at Sa10 is transmitted. The host system 141 receives data from the automated teller machine.

Sa12 The deposit account received from the automatic transaction apparatus and the customer's savings account stored in the database of the host system 141 or the branch server 151,
A check is made against the checking account stored in 161 or 171. If the check determination in Sa13 Sa12 is OK, the host system 141 notifies the bill / check collection system 142 in the center 14 that a bill / check payment has been made, and sends the bill / check from the automatic transaction device.
Inform the check collection list of the accepted bill / check information.

Sa14 The host system 141 transmits a transaction completion message to the automatic transaction device via the communication device 140. Sa15 Stores accepted bills and checks held in the form processing unit 10 of the automatic transaction apparatus in the securities storage 104a. Sa16 The receipt printing unit 9 prints out a receipt and a receipt on which the front and back images of the bill and the check are printed, a deposit account, the maximum number of days of deposit processing, etc., and discharges the receipt.

In Sa17 Sa9, the card read
If the transaction card is held in the write section 8, it is returned to the customer, confirms that the reception slip and the transaction card have been received, and returns the processing to Sa1. If the check judgment is NG in Sa18 Sa12, the host system 141 transmits a transaction failure message to the automatic transaction device via the communication device 140.

Sa19 Form processing unit 10 of automatic transaction apparatus
Then, the bills / checks and transaction cards held in the card read / write section 8 are returned, and after confirming that all of them have been received, the processing is returned to Sa1. It is also possible to accept the suspension of the transaction in the guidance screen display of this operation, and if the suspension is selected, the process proceeds to Sa19.

As described above, bills and checks accepted by the automated teller machine (which are said to have been presented) are bills and checks.
It is collected within the reception business day by the check list of the check collection system 142, and when the cashing is completed, the host system 14 is collected.
In this case, the designated deposit account is paid based on the transaction history stored in the first database. In this embodiment, the data of the ordinary savings account and the data of the checking account are respectively stored in the database of the host system 141 and the server 1 in the branch.
51, 161, and 171 exist separately, but they may exist in one integrated database.

The bill and check collection system 142 may be a subsystem of the host system 141. As described above, even with an automatic transaction device, a customer can deposit a desired account with a bill or a check, and only when the relevant transaction occurs, the customer can go to the automatic transaction device to collect a bill or a check. The burden on the institution is reduced, and the convenience of customers is not reduced even if the window business is abolished by merging stores.

Second Embodiment The configuration of the device is the same as that of the device shown in the first embodiment. Prior to the commencement of the transaction by the automatic transaction apparatus, each branch server 151, 161, 171 has a check issued to the branch (self-paid check by paying cash to a financial institution in advance and issuing to the financial institution) or a bank. The format, seal image, withdrawal number, amount, etc. of the check issued by the customer having the deposit account are registered in advance.

The operation of the second embodiment will be described below with reference to the flowchart of FIG. Sb1 A transaction selection screen is displayed on the operation display unit 1 of the automatic transaction device. Sb2 It is determined whether or not there is a transaction selection input. Sb3 It is determined whether or not the self-check cashing is selected. Sb4: A screen for guiding the insertion of the self-check is displayed on the operation display unit 1, and the form processing unit 10 is supported to inhale the self-check.

Sb5 It is determined whether or not the inhalation operation of the own check (reading of the image, reading of the evidence information by the MICR operation, etc.) has been completed normally. Sb6 The control unit 11 of the automated teller machine transmits the host system 141 of the center 14 from the communication unit 12 through the exchange line 18.
In step Sb5, the data read from the check in the bank is transmitted. The host system 141 receives data from the automated teller machine.

Sb7 The host system 141 recognizes the image data amount column in the information received from the automatic transaction apparatus, confirms the branch issued from the MICR data, and checks the branch 151, 161 or 171 of the branch.
Read your check information (authentication information) registered in
Compare information such as format, seal image, withdrawal number, and amount.

Sb8 Information from the automatic transaction device and its processing information and the server 151, 161 or 17 of the branch
Based on the registration information from No. 1, it is determined whether the transaction is a completed transaction (a check addressed to one's own), a self-written check and cannot be identified or a check issued by another financial institution. If the transaction is determined to be successful in Sb9 Sb8 or Sb16 to be described later, the host system 141 updates the settlement data between the branch receiving the self-check and the branch issuing the self-check by the automatic transaction device in the database. Do.

Sb10 Subsequently, the host system 14
1 is the server 151, 161 or 17 of the branch office
1. Appropriate issue number and amount are applied. Sb11 The host system 141 transmits a transaction completion message to the automatic transaction device via the communication device 140. Sb12 The amount information is printed by the MICW 103 on the own check held in the form processing unit 10 of the automatic transaction apparatus and stored in the securities storage 104b.

Sb13 The receipt printing section 9 prints a cash voucher on which the front and back images of the own check are printed and the payment amount and the like are printed.
Print with and eject. Sb14 The payment amount specified in the transaction completion message from the host system 141 is discharged from the banknote depositing / dispensing unit 6 and the coin depositing / dispensing unit 7, confirming that the cashing slip and cash have been received, and returning to Sb1.

Sb15 If the judgment in Sb8 is that the check is its own bank and cannot be discriminated, the host system 141 transfers the information from the automated teller machine obtained in Sb7 and the server 151, 161 or 171 of the branch to the check inquiry system 143. In this system, manned S
The same information as in b7 is compared. Sb16 It is determined from the information from the automatic transaction device and the registration information from the branch server 151, 161 or 171 whether the transaction is successful or not.

Sb17 If the transaction is not successful in Sb16, the check inquiry system 143 sets the communication device 1
A transaction failure message is transmitted to the automatic transaction device via 40. Sb18 Return the check held in the form processing unit 10 of the automated teller machine, and confirm that the check has been received.
The process returns to b1. Sb19 If the determination in Sb8 is that the check was issued by another financial institution, the host system 141 transmits the message sent by another financial institution to the automatic transaction apparatus via the communication device 140.

Sb20 Since the accepted check is issued by another financial institution, the operation display unit 1 displays that the same day cashing is impossible, and if the same day cashing is not required, the above-mentioned first order is used.
A screen for advancing the bill / check payment shown in the embodiment is displayed. Sb21 Return the check held in the form processing unit 10 of the automated teller machine, and confirm that it has been received.
The process returns to b1.

In the guidance screen display of this operation, it is also possible to receive the suspension of the transaction. If the suspension is made, the process proceeds to Sb18. In the present embodiment, the data of the savings account and the data of the checking account are respectively stored in the database of the host system 141 and the server 1 of the branch.
51, 161, and 171 are distributed and exist, but they may be present in one integrated database.

The check inquiry system 143 may exist as a subsystem of the host system 141.
Further, the recognition and processing of the image data are performed by the host system 141, but may be performed by the control unit 11 or the form processing unit 10 of the automatic transaction apparatus.

According to this embodiment, in addition to the effects of the above-described first embodiment, it is possible to satisfy the needs of customers who require further labor saving of financial institutions and instant cashing of checks. Become. Third Embodiment The configuration of the device is the same as that of the device described in the first embodiment.

Prior to the commencement of the transaction by the automatic transaction apparatus, each of the branch servers 151, 161, 171 has a check for itself issued by the branch (a check in which cash is paid in advance to a financial institution and the financial institution is the issuer) or The format of the check, the seal image, the transfer number, the amount, and the like issued by the customer who has the checking account in his own bank are registered in advance. Hereinafter, the operation of the third embodiment will be described with reference to the flowchart of FIG.

Sc1 A transaction selection screen is displayed on the operation display unit 1 of the automatic transaction device. Sc2 It is determined whether or not a transaction selection input has been made. Sc3: It is determined whether or not the same-day deposit has been selected. Sc4: A screen for guiding the insertion of the own check is displayed on the operation display unit 1, and the form processing unit 10 is instructed to suck the own check.

Sc5 It is determined whether or not the bill / check inhalation operation (image reading, reading of evidence information by MICR operation, etc.) has been completed normally. Sc6 A guidance screen for inputting whether the deposit account is a savings account or a checking account is displayed on the operation display unit 1. Sc7 It is determined whether the input by the customer was a savings account or a checking account.

Sc8 If the deposit account is a savings account in Sc7, a screen for inducing the insertion of the transaction card is displayed on the operation display unit 1 and the transaction card is inhaled to the card read / write unit 8. Instruct. Sc9 It is determined whether or not the suction operation of the transaction card (the operation of reading the magnetic stripe, etc.) has been completed normally.

Sc10 If the deposit account is a checking account in Sc7, a screen for guiding the input of the account number of the checking account is displayed on the operation display unit 1. Sc11 The control unit 11 of the automatic transaction apparatus transmits the host system 14 of the center 14 from the communication unit 12 through the exchange line 18.
To 1, the data read from the bill / check at Sc5 and S
The information read from the transaction card in c7 or the checking account number input in Sc10 is transmitted. The host system 141 receives data from the automated teller machine.

Sc12 The host system 141 recognizes the amount column from the image data and confirms the branch to be issued from the MICR data among the information received from the automatic transaction apparatus, and checks the branch 151, 161 or 17 of the branch concerned.
1. The check information (authentication information) registered in 1 is read out, the information such as the format, the seal image, the withdrawal number, and the amount of money is checked, and the designated deposit account is confirmed.

Sc13 Information from the automatic transaction apparatus and its processing information and the server 151, 161 or 1 of the branch.
From the registration information from 71, the transaction is completed (check for yourself)
It is determined whether the check is unidentifiable by the bank and the check cannot be discriminated or the check account specified by another financial institution is unknown. If the transaction is determined to be successful in Sc14 or Sb13 or Sc20 described later, the host system 141 updates the settlement data between the branch that received the check and the branch that issued the check with the automatic transaction device in the database. Do.

Sc15 Subsequently, the host system 14
1 is the server 151, 161 or 17 of the branch office
The application number 1 and the amount of money are erased and payment processing to the designated payment account is performed. Sc16 The host system 141 transmits a transaction completion message to the automatic transaction device via the communication device 140.

Sc17 Form processing unit 10 of automatic transaction device
MICW10 to send the money information to your check held at
3 and stored in the securities storage 104c. Sc18: The receipt printing section 9 prints a transaction statement on which the front and back images of the self-written check, the designated payment account, the payment amount, and the like are printed, and discharges the transaction. After confirming that the cashing slip and the energy have been received, the process returns to Sc1.

Sc19 If the judgment in Sc13 is that the check is its own bank and cannot be identified, the host system 141
Transfers the information from the automated teller machine acquired in Sc12 and the server 151, 161 or 171 of the branch office to the check inquiry system 143, where the attended person checks the same information as in Sc11. It is determined whether the transaction is successful or not based on information from the Sc20 automatic transaction device and registration information from the branch server 151, 161 or 171.

If the transaction is not established in Sc21 and Sc20, the check inquiry system 143 sets the communication device 1
A transaction failure message is transmitted to the automatic transaction device via 40. Sc22 Return the check and the transaction card held in the form processing unit 10 and the card reader / write unit 8 of the automatic transaction device, and confirm that all of them have been received.
Return to processing.

Sc23 If it is determined in Sc13 that the check is issued by another financial institution, the host system 141 transmits the message sent by another financial institution to the automatic transaction apparatus via the communication device 140. Sc24 Since the accepted check is issued by another financial institution, the operation display unit 1 displays that the same-day cash is impossible, and if the same-day cash is unnecessary, the bill / check shown in the first embodiment is used. Display the screen to advance payment.

Sc25 Report processing unit 10 of automatic transaction device
Then, the check and the transaction card held in the card reader / write unit 8 are returned, and it is confirmed that all the checks and transaction cards have been received, and the process returns to Sc1. If it is determined in Sc26 Sc13 that the designated deposit account is unknown, the host system 141 transmits a message of unknown deposit account to the automatic transaction apparatus via the communication device 140.

Sc27: A message indicating that the designated deposit account is unknown is displayed on the operation display unit 1 of the automatic transaction apparatus for a certain period of time, and then the process returns to Sc6. It is also possible to accept the suspension of the transaction in the guidance screen display of this operation, and if the suspension is selected, the process proceeds to Sc22. In the present embodiment, the data of the savings account and the data of the checking account are respectively stored in the database of the host system 141 and the server 15 in the branch.
1, 161 and 171 exist separately, but they may exist in one integrated database.

The bill / check inquiry system 143 may be a subsystem of the host system 141. Further, the host system 1 recognizes and processes image data.
Although the processing is performed at 41, the processing may be performed at the control unit 11 or the form processing unit 10 of the automatic transaction apparatus.

According to this embodiment, in addition to the effects of the first and second embodiments, the immediate cashing of checks exceeding the amount that can be paid in a single cashing process is regarded as immediate check deposit. It can be realized by multiple withdrawal transactions.
In other words, it is possible to further reduce the number of window operations, and to achieve the above with the hardware of the conventional automatic transaction apparatus.

[0050]

According to the present invention described in detail above, a presentation history creating means for creating a bill or check presenting history for each automatic transaction device based on information obtained by the capturing means and the reading means, By having a presentation medium collection means for collecting from the automatic transaction device which accepted the bill or check presented by the presentation history, it is collected during the reception business day, and after completion of cashing, it is transferred to the designated deposit account based on the transaction history. Payments can be made, and customers can use their automatic billing machines to deposit their bills or checks into their desired accounts.Only when the relevant transaction occurs, the customer can go to the automatic transaction machine to collect bills and checks. Furthermore, even if the burden on financial institutions is reduced and window operations are abolished through store integration, there is an effect that customer convenience is not impaired.

Further, the authentication information storage means for storing authentication information necessary for cashing the check, and the information obtained by the capturing means and the reading means and the information in the authentication information storage means are compared to check cashing of the check. Determination means for determining whether or not the amount is sufficient for the check, the cash transaction means for paying out the denomination of the check received based on the result of the determination means, and the acquisition means and the reading means. By having the presentation information printing means for printing the presentation information obtained from the obtained information, there is an effect that the check can be immediately cashed.

Also, authentication information storage means for storing authentication information necessary for cashing the check, and comparing information obtained by the above-mentioned fetching means and reading means with information in the authentication information storage means, for cashing the check. And a depositing means for depositing the denomination of the check into the account designated by the depositing account designation means when it is determined that the check can be cashed. The automatic transaction device has a presentation information printing unit that prints presentation information obtained from the information obtained by the capturing unit and the reading unit, so that a check exceeding the amount that can be paid in a single cashing process is performed. Has the effect of realizing instant cashing with instant check deposit and multiple withdrawal transactions.

[Brief description of the drawings]

FIG. 1 is an external view of an automatic transaction apparatus.

FIG. 2 is a block diagram of an automatic transaction device.

FIG. 3 is an explanatory diagram of a connection state of the automatic transaction apparatus.

FIG. 4 is a flowchart showing the operation of the first embodiment.

FIG. 5 is a flowchart showing the operation of the second embodiment.

FIG. 6 is a flowchart showing the operation of the third embodiment.

[Explanation of symbols]

 1 operation display section 2 coin insertion / receipt slot 3 bill insertion / receipt slot 4 form insertion / receipt slot 5 card / receipt insertion / receipt slot 6 bill deposit / withdrawal section 7 coin deposit / dispense section 8 card read / write section 9 receipt printing section DESCRIPTION OF SYMBOLS 10 Report processing unit 11 Control unit 12 Communication unit 13 Storage unit 14 Center 15, 16, 17 Store 18 Exchange line

Claims (9)

[Claims] 1. A means for receiving a medium such as a bill or a check, a means for taking in information written on the bill or the check received by the receiving means, and a reading means for reading magnetic ink characters printed on the bill or the check. And a bill / check receiving system for an automatic transaction apparatus having the presenting means and the presentation evidence information means for printing the information obtained by the reading means as presentation evidence information, wherein the information obtained by the capturing means and the reading means is also used. And a presentation medium creating means for creating a presentation history of a bill or a check for each automatic transaction device, and a presentation medium collecting means for collecting from the automatic transaction device accepting the bill or the check presented by the presentation history. Characteristic of automatic transaction equipment, bill and check acceptance system . 2. A check receiving device in an automatic transaction apparatus having means for receiving a check, means for taking in information written on the check received by the receiving means, and means for reading magnetic ink characters printed on the check. In the system, an authentication information storage unit for storing authentication information necessary for cashing a check, and comparing information obtained by the capturing unit and the reading unit with information in the authentication information storage unit, for cashing the check. Judgment means for judging whether or not the amount is sufficient. The cash transaction means for paying out the face value of the check accepted by the result of the judgment means to the automatic transaction apparatus, and the cashing means and the reading means are provided. And a presentation information printing means for printing presentation information obtained from the information. Check acceptance system in the device. 3. A means for accepting a check, a means for taking in information written on the check accepted by the accepting means, a means for reading magnetic ink characters printed on the check, and a means for accepting the received check into cash. In a check receiving system in an automatic transaction device having a deposit account designating means for designating and inputting an account to be deposited at the time of receipt, an authentication information storing means for storing authentication information necessary for cashing the check, the capturing means and the reading means Determining means for comparing the information obtained by the above with the information in the authentication information storage means to determine whether or not the check is sufficient for cashing, and when the determining means determines that cashing is possible, the deposit Depositing means for depositing the face value of the check into the account designated by the account designating means; In, check acceptance system in an automatic teller machine characterized in that it comprises a presentation information printing means for printing the presentation information obtained from information obtained by said capturing means and reading means. 4. The method according to claim 2, wherein the judging means for judging whether or not the check is sufficient for cashing recognizes information written on the check by optical reading means. A check receiving system for an automatic transaction apparatus, wherein information from a magnetic ink reading means for reading magnetic ink characters written on a check and information from a magnetic ink reading means for automatically reading information from a recognition information storing means are automatically compared. . 5. The check receiving system in an automatic transaction device according to claim 4, wherein the automatic transaction device has a recognition means for recognizing optical information. 6. The check receiving system in an automatic transaction apparatus according to claim 4, wherein a recognition means for recognizing optical information is provided as one integrated means in the system. 7. The check according to claim 2 or 3, wherein the determination means for determining whether or not the check is sufficient for cashing includes the information described on the check and the information obtained by the optical reading means. Information obtained by magnetic ink reading means magnetic ink characters described in the
A check receiving system in an automatic transaction apparatus, wherein the information is compared with information from an authentication information storage unit by a person. 8. The check according to claim 2 or 3, further comprising magnetic ink character printing means for printing magnetic ink characters on the check received by the check receiving means, wherein the check means determines whether to cash the check. A check receiving system in an automatic transaction apparatus, wherein when the determination is made that a check is possible, a denomination is printed on the check by the magnetic ink character printing means. 9. An automatic transaction apparatus according to claim 1, further comprising at least two storage means for storing the bills and checks received by the bills and checks receiving means, wherein the bills are received. A check / check receiving system in an automatic transaction apparatus, wherein the storage location of the bill / check is changed by the subsequent processing of the check.