JP2002215909A - Securities processing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a securities processing method requiring no additional work such as manual reconfirmation without causing a visual error, an erroneous input, and erroneous recognition due to stains or rubbing at a dealing (liquidation) process of securities such as checks and bills. SOLUTION: A check issuer 1 inputs the information to be described on a check with an input/output device 2 of a check information registering device/ check issuing device 20. The inputted description information of the check is registered on a storage section 7, and the actual check T is issued by a check issue section 5. The check information is transferred to the check information registration authenticating device 21 of a financial agency A from the check information registering device/check issuing device 20 and registered on a storage section 12. A dealing financial agency B compares the check information registered in the check information registration authenticating device 21 with the described content of the carried-in actual check T with a described content comparing device 17 and registers the described content of the check on a count dealing device 18 for count dealing when they coincide with each other.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for processing securities such as checks and bills, and more particularly, to the processing (settlement) of securities, such as visual errors, erroneous inputs, and erroneous recognition due to dirt or friction. The present invention relates to a method for processing securities that can be prevented.

[0002]

2. Description of the Related Art First, a conventional check or bill transaction procedure will be described. Check and bill transactions are originally credit transactions using paper (medium) according to business customs. That is, the issuer of these securities issues a check or a bill using paper (paper) that is backed by a credit confirmation from a trading institution (such as a bank).

[0003] The drawn checks and bills pass from the issuer to the recipient, and are then carried by the recipient to a counter of a transaction organization (such as a bank) to confirm the identity (confirmation of the deposit account).
Confirmation of the contents of checks and bills will be performed, and if there is no problem as a result of the confirmation, acceptance exchange (exchange of checks and bills and cash) will be performed.

[0004] When the above-mentioned acceptance and confirmation processing is performed manually, the contents of the accepted check or bill are read visually,
The source and destination of the funds are input to the terminal device, and a transaction (settlement) process is performed based on the input contents. On the other hand, in the case of automating the above-mentioned reception and confirmation processing, the contents described on the medium are read by an optical sensor, and the cash source and destination are similarly read from the described contents and character recognition is performed. A transaction (settlement) process is performed based on the transaction.

[0005]

The above-described transaction (settlement) processing must be performed by the check or bill drawer and the recipient, but in the case of manual processing, visual errors and erroneous inputs are caused. On the other hand, in the case of processing by an automatic machine, there is a possibility that misrecognition of the written contents may occur due to dirt or rubbing, etc. It was necessary to perform additional operations such as performing.

[0006] The present invention solves the above-mentioned problems, and eliminates visual errors, erroneous inputs, and erroneous recognition due to dirt or rubbing during the transaction (settlement) processing of securities. It is an object of the present invention to provide a method for processing securities that can greatly reduce complicated operations.

[0007]

According to the present invention, in order to achieve the above object, when securities such as checks are issued, the contents of the securities are described in a financial institution (such as a bank).
And the information is registered in the database (DB) of the financial institution, and the information registered in the database (DB) at the transaction financial institution (such as a bank) where the check is brought in Is compared.

[0008]

DESCRIPTION OF THE PREFERRED EMBODIMENTS (Overview of the Present Invention) The present invention can be applied to the processing of all securities, such as checks and bills, which are issued (drawn) and processed (settled) by different institutions. In the following, a check processing will be described as an example.

[0009] A financial institution such as a bank is provided with a check information registration / authentication device using a computer comprising a storage unit, a communication unit, an authentication unit, an input / output unit and a data processing unit. When a check is issued to a customer who has an account capable of performing a check transaction with the financial institution, a unique code is assigned to each check.

In addition, when a check is issued to the customer, a check information registering device and a check issuing device for registering the contents of the check are prepared. The check information registration device and the check issuing device are provided with a communication unit and an input / output unit for inputting or displaying the contents of the check.

When a check is issued, the contents of the check are entered using a check information registering device and a check issuing device, and a communication line is used for a check information registration and authentication device provided in a financial institution. Then, the content of the issued check is registered.

Note that access to the check information registration / authentication device of a financial institution is restricted by means of personal identification such as a password. The check issuer can access the check information registration / authentication device of the financial institution only when the identity is confirmed by the identity verification means, and can confirm the registered contents of the issued check.

Since the financial institution can know in advance the transfer of funds that will occur in the future based on the information registered in the check information registration and authentication device, it is possible to prepare funds in advance.

Now, the actual check T issued is brought to the handling financial institution for exchange by the check recipient within a time limit. Checks brought in are processed by the staff in charge to transfer funds.However, in this case, the staff must visually recognize the contents of the check and perform the funds transfer process. Information such as the account and the amount is input to the account transaction processing device and executed. Alternatively, the account information and the amount information are recognized from the check information read by the image reading device provided at the reception desk, and the processing contents are transferred to the account processing from the recognition result in the same manner as the attendant.

However, the result of character recognition by reading the image of the actual object may not be readable in some cases due to dirt, rubbing, or the like, or the result of the reading may be different from the actual result. In this case, there is a problem that the transaction content is different from the expected content.

Accordingly, in the present invention, the contents set in the check information registration / authentication device from the check information registering / check issuing device, the contents read from the actual goods brought in, and the contents inputted manually are checked and matched. If there is a discrepancy, if there is a discrepancy, a person in charge verifies the actual product or makes an inquiry to the issuer, thereby making it possible to prevent a transaction processing error, detect falsification, and detect tampering.

Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a diagram showing a system configuration for realizing the check processing method according to the present invention, a flow of the actual check, and a flow of written information of the check.

In the figure, A is a financial institution (bank), B is
Is a handling financial institution (bank, exchange). The handling financial institution B may be the same as the financial institution A. Reference numeral 20 denotes a check information registration device and a check issuing device, 21 denotes a check information registration / authentication device installed at the handling financial institution A, and 22 denotes a check information inquiry device and an account transaction processing device installed at the handling financial institution B. .

Check information registering device and check issuing device 20
Indicates that the check issuer 1 inputs the contents of the check,
An input / output unit 2 for displaying and outputting the input contents, a check issuing unit 5 for issuing a check actual T, a check fixed pattern (check pattern registration data), and an input from the input / output unit 2. A storage unit 7 for storing the check description contents or the fixed pattern combined with the check description contents input from the input / output unit 2; and the check information (check fixed pattern information) stored in the storage unit 7. A communication control unit 4 for exchanging the contents and the check description contents input from the input / output unit 2 or the combined contents) with a check information registration / authentication device 21 installed in the financial institution A described later. And a transfer person authentication unit 3 for authenticating the check issuer 1 and a data processing unit 6.

The check information registration / authentication device 21 installed at the financial institution A checks the contents of the check information transmitted from the check information registration device / check issuing device 20 and the check changed by the account transaction processing described later. A storage unit 12 for storing the contents of the description, a communication control unit 9 for communicating via a communication line with the check information registering device and check issuing device 20, and a check information registering device and check issuing device 20; An authentication unit 10 for approving the check issuer 1 using the check information registration device and check issuing device 20, an input / output unit 11 for searching and displaying registered information, and a data processing unit 13 Have.

When issuing a check to a customer having an account capable of performing a check transaction, the financial institution A assigns a unique code to each check in advance.

The handling financial institution B (which may be the same institution as the financial institution A) has the image reading device 15 and the image recognizing device 1.
4, a description comparing device 17, an account transaction processing device 18, and an input / output device 19 are provided.

The check issuer 1 uses the input / output device 2 of the check information registration device and the check issuing device 20 to input information to be written on the check. The entered check description information is registered in the storage unit 7, and the actual check T is issued by the check issuing unit 5.

Check information registering device and check issuing device 20
Then, the financial institution A
It accesses the check information registration / authentication device 21 provided in a bank (such as a bank) and confirms that the check issuer 1 is a person who has previously opened a checking account at the financial institution A. If it is confirmed that the person has a checking account or the like, the check information corresponding to the issued check is transferred to the check information registration / authentication device 21 and registered in the storage unit 12 thereof.

The actual check T is transferred from the check issuer 1 to the check receiver 16, and is carried from the hand of the check receiver 16 to a reception window of the handling financial institution B or an automatic transaction apparatus. The written contents of the check brought into the handling financial institution B are read by the attendant or the image reading device 15 of the automatic transaction device, and the account transaction processing is performed based on the fund transfer source account, transfer destination account, amount information, and the like. Therefore, it is necessary to set information in the account transaction processing device 18, but it is necessary to exclude processing for checks issued by a person who does not have a checking account or the like at the financial institution A.

For this purpose, in the present invention, the check information registered in the check information registration / authentication device 21 is set based on a code uniquely assigned to each check written on the check before setting. The information is searched and called, and this information is compared with the content of the check T brought in by the check receiver 16 by the description content comparison device 17. As a result of the comparison, the content of the check is described only when both match. Is automatically registered in the account transaction device 18 to execute the account transaction. However, if there is any discrepancy, the contents of the check are not automatically registered in the account transaction device 18 but are notified to the input / output device 19 to notify the attendant or the like.

If the check paper is stolen, the check information registration device and check issuing device 20 to the storage unit 12 of the check information registration and authentication device 21 (the status column in FIG. 5).
If an invalid registration is made for the check owned by the check issuer, it is possible to immediately detect that the check brought in for exchange is invalid (stolen item or the like).

Next, the procedure of the check issuing process and the check registration information inquiry process will be described in further detail.

<Check Issuance Processing> In issuing a check, the check issuer 1 who intends to issue a check operates the check information registration device and the check issuing device 20 to issue the check in real time, and at the same time, issues the check description information. The communication line 8
And sends it to the check information registration and authentication device 21 for registration. The operation procedure at that time will be described in detail with reference to the drawings.

FIG. 2 shows that the check issuer issues a check T using the check information registering device and the check issuing device 20, and the written information is transferred to the check information registration and authentication device 21 installed in the financial institution A. It is a processing flowchart at the time of transmission and registration.

In the figure, first, the check issuer 1
The user inputs authentication information indicating that he / she is the drawer to the terminal device (step S101). It is checked whether the input authentication code matches the information registered in advance (step S102). If the authentication code matches (step S103: Y), then the check issuance processing after step S104 Move on to If they do not match (step S1
03: N), restart or interrupt.

FIG. 3 is a diagram showing an example of the description contents of the check T. The description contents of the check T include a word T1 indicating that the check is a check, an amount T2, a place of payment T3, and a payer T.
4. Payment terms T5, date of departure T6, place of departure T7, MI
CR (Magnetic Ink Character Reader) printing T
8. There is a clearinghouse code T9, a transferor T10, etc., and these information is issued as a fixed pattern (characters and formats which can be pre-filled on the check) which can be registered in advance as check pattern data for each transferor. (Information on actual payment place, payer name, payout date, amount, place of payment, payer, check NO, etc.).

The check pattern data is stored in advance in the storage unit 7 as check pattern registration data. FIG.
Is an example of the check pattern registration data (fixed pattern) stored in the storage unit 7, and the issuer: Payment place for Asahi Taro "3 Higashi Shinjuku, Shinjuku-ku, Tokyo", payer "Bank A Corporation" , Exchange code column "Tokyo 1234 01
23-456 ", the place of origin" Tokyo ", the originator" ... Taro Asahi ", etc. are shown.

The check issuer 1 displays the above-described pattern registration data stored in the storage unit 7 on the input / output unit 2, and inputs information (check requirements) that needs to be input each time issuance based on the display. (Step S104).

The pattern registration data is merged with the information that needs to be entered each time it is issued, to generate a check description, and to register it in the storage unit 7 (step S105). Here, selection of pattern registration data, withdrawal date, amount, check NO, and the like are set. FIG. 5 is a diagram showing an example of the check description content registered in the storage unit 7, and the check NO “AB123
45 ", withdrawal date" 11-11-11 ", amount" 1234 "
567 "are added to the fixed pattern in FIG. 4 and registered as check information.

Next, it is checked whether the registered contents are correct (step S106). If there is no problem (S1)
07: Y), the check is printed, and the check T
Is issued (step S108). FIG. 3 shows an example of the issued check T. After the printing process of the actual check T is normally performed, the information described in the check is transferred to the check information registration / authentication device 21 installed in the financial institution A and registered in the storage unit 12 (step S109).

<Check Registration Information Inquiry Processing> FIG. 6 shows the information read from the actual check T brought in by the check recipient 16 at the handling financial institution B and registered in the storage unit 12 of the check information registration / authentication device 21. Is a process flowchart for collating the information (check information received from the check information registration device and check issuing device 20) with the manually entered check description information, and executing the check accounting process only when the information matches. is there.

Check actual T and check information registration and authentication device 2
In general, a method for visually confirming whether the check information registered in the first storage unit 12 matches the check information is performed by visual inspection. By registering with the center (in this example, financial institution A), a match is confirmed by collation with the information.

In the figure, the check reading device 16 of the automated teller machine starts reading the check T brought in by the check receiver 16 (step S201), and reads the contents written by an image scanner or the like (step S202). ) First, in order to correspond to the issued check, the check NO and the written content printed on the check are read and recognized (step S203).

In addition, based on the check number uniquely assigned to each check read by the image reading device 15, the issued check is referred to a database (storage unit 12) in which the issued check is registered, and the written contents of the check are called ( Step S
204). Furthermore, by visually checking the brought-in check T and manually inputting it, using an input device such as a keyboard,
Information such as the check number, amount, MICR character, and withdrawal date is input (step S205).

Next, information on the check read and recognized in step S203, information called from the database (storage unit 12) in step S204, and step S205
The information manually input is compared in step S206, and as a result of the comparison, if all the information matches (step S20)
7: Y), the process proceeds to step S209, and if they do not match, the non-matching part is pointed out to the operator (person in charge), and if necessary, the operator corrects (input of mismatching items, cancellation in some cases) Input) (step S208), and the process returns to step S206 to perform collation again based on the corrected information. If no match is found even after re-entering the mismatched item a predetermined number of times, a cancel input may be made.

In step S209, an account transaction is carried out, and the post-processing amount of money is
In addition to the additional printing of the R character, history printing is performed on the back surface (step S210). The check actual T on which additional printing or history printing has been performed is sorted as necessary, and then transported to a storage device for storage and storage.

According to the above-described embodiment, the content sent from the check information registration device and set in the check information registration / authentication device is compared with the content read from the actual check brought in by the check recipient and the content entered manually. Review (collation)
If there is a match, the process is executed as it is, and if there is a discrepancy, the staff can verify the actual product and make an inquiry to the issuer to prevent transaction processing errors and detect falsification and tampering of checks. it can.

If the check paper is stolen, the check information registration device and the check issuing device owned by the check issuer perform the invalid check registration, so that the check brought in for exchange can be obtained. Can be immediately detected as invalid (stolen or the like).

In addition, the information registered in the check information registration / authentication device enables the financial institution to know in advance the transfer of funds that will occur in the future, so that funds can be prepared in advance.

In addition, if the issued check is a transaction within the same handling organization, the check receiver is notified automatically that the check has been issued, and the check receiver checks the contents, By performing an instruction corresponding to bringing in a window, a process of transferring funds to the check recipient's account can be performed. The transfer of funds is performed on the same day for checks, but is performed on the designated date for bills.

Further, as in the above embodiment, the status of carry-in, exchange, settlement, and validity / invalidation of a check to a bank (such as a bank) is managed in a database (storage unit 12), so that the check can be obtained. The issuer can access the database to grasp the state of the issued check.

Although the above embodiment deals with the case of a check, the technique of the present invention is not limited to the above-mentioned bills, and various other valuable information including the issuer, issuer, amount, etc. It can be applied to securities. For example, a voucher issuing department transmits the contents described in the vouchers to the authentication device of the voucher processing department when issuing various vouchers. The information read and recognized optically of the contents of the actual slips brought into the processing department of the above, the written contents transmitted from the issuing department, and the contents manually entered while visually checking the actual contents of the actual slips By performing the comparison and collation, it is possible to prevent the processing errors of the slips and to detect the falsification and falsification of the slips.

[0049]

According to the present invention, there is no visual recognition error, erroneous input, erroneous recognition due to dirt or rubbing, and additional work such as manual reconfirmation during the transaction (settlement) processing of securities. A method for processing securities that can be significantly reduced can be realized.

[Brief description of the drawings]

FIG. 1 is a diagram showing a system configuration for realizing a check processing method according to the present invention, a flow of an actual check, and a flow of written information of the check.

FIG. 2 is a flowchart for explaining a check physical issue process;

FIG. 3 is a diagram showing an example of the description content of a check actual T;

FIG. 4 is a diagram showing an example of check pattern registration data (fixed pattern) stored in a storage unit 7;

FIG. 5 is a diagram showing an example of check description contents registered in a storage unit 7;

FIG. 6 is a flowchart illustrating a check matching process.

[Explanation of symbols]

 1: Check issuer, 2: Input / output unit, 3: Issuer authentication unit, 4: Communication control unit, 5: Check issuing unit, 6: Data processing unit, 7: Storage unit, 8: Communication line, 9: Communication Control unit, 10: Authentication unit, 11: Input / output unit, 12: Storage unit, 13: Data processing unit, 14: Check information inquiry terminal and account transaction processing device, 15: Image reading device, 16: Check recipient, 17 : Description content comparison device, 18: Account transaction processing device, 19: Input / output device, 20: Check information registration device and check issuing device, 21: Check information registration and authentication device, 22: Check information inquiry device and account transaction processing device, A: financial institution, B: handling financial institution (exchange office), T: check in kind.

Claims (3)

[Claims] 1. A system according to claim 1, wherein when the securities are issued, a description of the securities to be issued is registered in a storage unit of a source device.
A second step of reading and recognizing the contents of the securities received at the reception counter or the automatic transaction device; and a description of the securities registered in the first step and the second step. A method for processing securities, comprising the step of collating the contents of recognized securities and confirming an error in a reception process or detecting tampering of securities. 2. The securities processing method according to claim 1, wherein the securities issued are brought into a handling organization, exchanged,
Storing the status of settlement or validity / invalidity in the storage unit; and confirming the status of the securities by accessing the storage unit by an issuer of the securities. Securities processing method. 3. The method for processing securities according to claim 1, wherein the transaction of the securities is a transaction within the same handling organization, and the securities are transmitted to a recipient of the securities. A step of notifying that the securities have been issued, and a step of transferring funds to an account of the receiver of the securities if the recipient of the securities confirms the content and gives an instruction corresponding to bringing in the counter. A method for processing securities, comprising: