JP2003271817A - Portable information terminal unit and entry system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide services for performing savings and deposits in the place of a handicapped person, a person of advanced age, and a resident who lives in a remote place who find it difficult to go to a financial institution. <P>SOLUTION: A portable information terminal unit inputs the bank account number of a person who deposits money, the amount of deposit or repayment of savings and deposits, and distinction between deposit and repayment by operating an operation panel (steps S3, S6 to S9). The input information is encoded in bar codes and is printed by a bar code printer (step S12). The bar codes are read by a bar code scanner (step S15), and the information of the bank account number of the person who deposits money, the amount of deposit or repayment of savings and deposits, and the distinction between deposit and repayment which is read is stored in a nonvolatile memory by relating these information (step S23). <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a portable information terminal device and a bookkeeping system.

[0002]

2. Description of the Related Art When depositing and saving money in an account of a financial institution, a depositor must go to the financial institution and deposit or withdraw the deposit at a window or ATM of the financial institution.

[0003]

However, for persons with disabilities, elderly people, remote residents, etc. who have difficulty in going to a financial institution, it is extremely troublesome to go to a financial institution.

An object of the present invention is to provide a system for providing a service for depositing and saving money on behalf of persons with disabilities, elderly people, remote residents, etc. who have difficulty visiting a financial institution.

[0005]

The present invention provides an operation panel and an ID for identifying a customer by operating the operation panel.
Information, input type accepting means for accepting input of business type information indicating whether to deposit or refund the deposit or withdrawal of this customer and amount information indicating the amount of this deposit or refund, and a barcode printer for printing a barcode on a recording medium, The printing means for converting each information received by the input receiving means into data for printing a barcode and printing by the barcode printer, the ID information printed by the printing means, the business type information and the amount information. A portable information terminal device, comprising: a storage unit that is associated with and stored in a storage device.

Therefore, even if the customer does not go to a financial institution, the trader visits the customer to make the deposit / refund desired by the customer to the financial institution having his / her own account. By issuing a barcode in which information such as the amount of money made is encoded and handed to the customer, deposits and withdrawals can be made while the customer is at home. Since information such as the amount of deposits and withdrawals made by the trader at the customer's home is stored in the storage device, the trader takes it back and presents it to the financial institution so that the financial institution manages it. The information about the deposits and savings for each customer account is recorded, and the trader can perform settlement with the customer for deposit and withdrawal of deposits made with the financial institution. By pasting the received barcode on the paper of the passbook, the customer can use it as a substitute for recording the deposit amount and payment amount of the passbook.

[0007]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described.

FIG. 1 is an explanatory diagram showing an outline of the flow of a series of services according to this embodiment. As shown in FIG. 1, the delivery center 1 is an office of a delivery company, and when the depositor 2 receives a request by telephone or the like, the depositor 2
Dispatch service person 3 to his home.

The serviceman 3 receives deposits and savings from the depositor 2's account in the financial institution 4.
That is, when the depositor 2 deposits money, he / she receives cash in the amount of the deposit, and when depositing, the cash equivalent to the dispensed amount is given to the depositor 2 and, in exchange for this, as described later. The mobile information terminal device 11 issues a barcode in which various information such as the deposit amount is encoded, and the barcode 31 (described later) is pasted on the paper surface of the passbook 41 (described later) of the depositor 2.

The various information encoded in the bar code is stored in the portable information terminal device 11, and when the serviceman 3 returns to the home delivery center 1, it is totaled and presented to the corresponding financial institution 4 to provide the service. The man 3 setstles the cash deposited or paid by the depositor 2 with the financial institution 4. Then, the financial institution 4 registers the information presented from the home delivery center 1 in a deposit and savings database 53 (described later) in which information on deposits and savings is recorded for each account of each depositor.

After that, when the depositor 2 goes to the financial institution 4 and inserts the passbook 41 into the ATM (or presents it at the teller), the computer 55 (described later) of the passbook printer 54 provided at the ATM or teller deposit terminal. , The barcode 31 pasted on the paper of the passbook 41 is read, the deposit / saving information of the account of the depositor 2 is read from the account management table 41, and the passbook 41 is recorded based on the read information. Do.

Next, the portable information terminal device 11 used by the service person 3 will be described. 2 is a partially cutaway front view (a), a plan view (b), and a side view (c) of the mobile information terminal device 11, and FIG. 3 is a block diagram of electrical connection. As shown in FIGS. 2 and 3, the portable information terminal device 11
Is a CPU 1 that performs various calculations and centrally controls each unit.
2 and RO that stores various control programs and fixed data
M13 and RAM14 which is the work area of CPU12
And a non-volatile memory 15 serving as a storage device
Connected by. On the bus 16, an operation panel 19 including a numeric keypad 17, a scroll key 18, etc., and an L for displaying various messages are provided via a predetermined interface.
Display 20 consisting of a CD and built-in roll paper 21
A bar code printer 27 having a print head 22 for printing a bar code 31 (described later) is connected to a bar code scanner 24 that reads the bar code 31 by operating a bar code reading key 23. Further, a bar code issuing window 25 for ejecting the roll paper 21 after the printing of the bar code 31 is formed on the housing of the portable information terminal device 11.

The portable information terminal device 11 having such a configuration
Originally, is used as a terminal device for tracking delivery completion information dedicated to a courier to read a barcode encoded with delivery information of parcel delivery by the barcode scanner 24. That is, when the foreign affairs mode is selected from the work menu on the initial screen on the display 20 (FIG. 4A), the delivery barcode reading screen appears (FIGS. 4B and 4C), and the delivery barcode reading is performed from the delivery menu. If you select (Fig. 4
(B)) The invoice bar code attached to the parcel delivery can be read by the bar code scanner 24. Also, if you select Out of Office notification from the delivery menu (Fig. 4
(C)) The absence notification can be printed out by the print head 22.

Select Delivery Bar Code Scan (see FIG. 4).
(B)) When the delivery completion is selected from the delivery menu after reading the bar code on the invoice (FIG. 4 (c)), the delivery completion screen appears (FIG. 5). Here, when the delivery completion is selected, the delivery completion is confirmed. When the input confirmation is selected (FIG. 5), the input confirmation screen (FIG. 6A) is displayed, and the information of the barcode read by the delivery barcode can be confirmed. On this screen, it is possible to scroll and confirm the information of the barcode read by the delivery barcode in order from the latest information. When the input correction is selected (Fig. 5), the input correction screen is displayed (Fig. 6 (b)), and when the bar code becomes dirty or damaged and a reading failure occurs, manually input the bar code information using the ten-key pad 17. Can be done. If you select delivery completion on the delivery completion screen (Fig. 5), the home delivery service end screen (Fig. 7) will be displayed, and if you select end service on the delivery service end menu, the foreign affairs mode will end and the initial screen (Fig. 3) Return to.
If you want to delete the read information of the delivery bar code, you can do so by selecting Delete Information from the home delivery service end menu. When this is completed, the screen returns to the initial screen (FIG. 3).

Next, the processing when the financial service mode is selected from the initial screen (FIG. 8) will be described. 9,
FIG. 10 is a flowchart illustrating such processing. As shown in FIG. 9, when the financial service mode is selected (Y in step S1), the financial service operation screen (FIG. 11) is displayed (step S2), and when the deposit mode is selected (Y in step S3). ), The deposit menu (Fig. 12) is displayed (step S4), and when depositing the deposit service, if you select cash deposit, cash card deposit, or any other deposit (Y in step S5), deposit barcode is issued. A screen (Fig. 13) is displayed (step S
6). The input receiving means is realized by step S3.

If the deposit bar code issuance is selected (Y in step S7), the bar code 31 (see FIG. 14).
The input screen for the information to be encoded is displayed (Fig. 1
5). The information input here is ID information for identifying the depositor / saving person 2 who is a customer. In this example, the ID information is the account number of the depositor 2 When distinguishing between a plurality of financial institutions or different branches of the same financial institution, in addition to the account number, enter a code number that serves as financial institution identification information for identifying the financial institution. First,
The account number input screen (FIG. 15A) is displayed (step S8), and when the account number is input and the decision key 26 is pressed (Y in step S9), the amount input screen (FIG. 15).
(B)) is displayed (step S10), when the deposit amount is entered and the enter key 26 is pressed (step S11 Y), the information such as the entered account number and amount is printed for printing the barcode 31. Then, the barcode 31 is printed on the roll paper 21 by the barcode printer 27 and issued (step S12). Issued barcode 31
Is attached to the paper surface of the passbook 41 as described later. An input receiving unit is realized by steps S9 and S11. The printing means is realized by step S12.

As shown in FIG. 14, the bar code 31 has a code number 32 which serves as financial institution identification information, the account number 33 of the depositor 2 (these two are entered in step S9),
The deposit (refund) amount 34 (which is input in step S11) and the deposit or refund business type 35 (selected in step S3) are encoded, and the numbers indicating these pieces of information are also printed.

Next, a deposit bar code reading screen (FIG. 16)
Is displayed (step S13), and when deposit barcode reading is selected in the deposit barcode reading menu (step S1)
4Y), the printed barcode 31 is read (step S15), and the amount of money encoded in the barcode 31 is displayed (FIG. 17) (step S16). The depositor 2 is asked to confirm this amount, and the amount is received by cash or a cash card according to the selection in step S5. When the input correction is selected (N in step S14), the process returns to step S8.

When the enter key 26 is pressed (Y in step S17), the receipt issuance screen (FIG. 18) is displayed (step S18), and when the deposit receipt issuance is selected (Y in step S19), the portable information terminal device is displayed. A deposit receipt is issued by a thermal printer (not shown) mounted on the printer 11 (step S20). This is given to the depositor 2 by the serviceman 3. It should be noted that if the user selects to redo (N in step S19), the process returns to step S2. Then, the financial service operation completion screen (FIG. 19) is displayed (step S21), and when financial service completion is selected (step S21).
22), the information encoded in the barcode 31 and the information selected in step S5 are associated and stored in the nonvolatile memory 15 (step S23). The storage means is realized by step S23. Then, the financial service operation end screen (FIG. 20) is displayed (step S24),
When financial service business end is selected (Y in step S25), a series of processes is ended.

Next, as shown in FIG. 9, when the payout mode (see FIG. 11) is selected (N in step S3),
As shown in FIG. 10, a refund menu (FIG. 21) is displayed (step S26), and when refunding the deposit service, if one of cash deposit, cash card deposit and other is selected (Y in step S27). , A refund barcode issuing screen (FIG. 22) is displayed (step S2).
8).

When the payback barcode issuance is selected (Y in step S29), an input screen for the information to be encoded in the barcode 31 (see FIG. 13) is displayed (FIG. 23). Here again, the information to be input is, first, the ID information for identifying the depositor 2 as a customer, that is, the depositor 2
Account number. Also here, when distinguishing a plurality of financial institutions or different branches of the same financial institution, the code number that is the financial institution identification information for identifying the financial institution is input in addition to the account number. First, the account number input screen (Fig. 23 (a)) is displayed (step S
30), enter the account number and press the enter key 26 (Y in step S31), and the amount input screen (FIG. 23).
(B)) is displayed (step S32), when the deposit amount is input and the enter key 26 is pressed (step S33: Y), the information such as the entered account number and amount is printed for printing the barcode 31. Then, the barcode 31 is printed on the roll paper 21 by the barcode printer 27 and issued (step S34). An input receiving means is realized by steps S31 and S33. The printing means is realized by step S34.

The barcode 31 issued here is similar to that shown in FIG. 13, but here, the information indicating the refund is encoded as the business type 35 of deposit or refund.

Next, a refund bar code reading screen (see FIG. 2)
4) is displayed (step S35), and when deposit bar code reading is selected in the deposit bar code reading menu (Y in step S36), the printed bar code 31 is read (step S37) and encoded into the bar code 31. The remaining amount is displayed (FIG. 25) (step S38). Ask the depositor 2 to confirm this amount, and step S27
Depending on the choice, the amount will be refunded by cash or cash card. When the input correction is selected (step S3
6 N), and returns to step S30.

When the enter key 26 is pressed (Y in step S39), the refund certificate issuance screen (FIG. 26) is displayed (step S40), and when the refund certificate is issued (Y in step S41), the portable information terminal is displayed. A thermal printer (not shown) mounted on the apparatus 11 issues a refund certificate (step S42). This is given to the depositor 2 by the serviceman 3. When redo is selected (N in step S41), the process returns to step S2. Then, the financial service operation completion screen (FIG. 19) is displayed (step S43), and when financial service end is selected (Y in step S44),
Information encoded in barcode 31 and step S27
The information selected in step 1 is associated and stored in the non-volatile memory 15 (step S45). The storage means is realized by step S45. Then, the financial service operation end screen (FIG. 20) is displayed (step S46), and when the financial service operation end is selected (Y in step S47), a series of processes is ended.

In this way, the bar code 31 is issued in both cases of depositing and refunding deposits. This may be directly printed on the roll paper 21, but it is desirable to print the label 21a (see FIG. 27) with the back surface adhesive on the roll paper 21 side by side.

27 to 29 are passbooks 41 of the depositor 2
FIG. 3 is a plan view of the paper of FIG. The label 21a on which the barcode 31 is printed as described above is the serviceman 3
However, when depositing a deposit, it is pasted in the deposit amount column 42, and when refunding, it is pasted in the payment amount column 43.
Further, the passbook 41 has a marking field 44 on the paper surface, which is stamped when the serviceman 3 attaches the label 21a.

When the serviceman 3 returns to the delivery center 1, the delivery center 1 aggregates the information stored in the non-volatile memory 15 of the portable information terminal device 11, presents this information to the financial institution 4, and deposits it. Settle deposits and refunds paid.

FIG. 30 is a conceptual diagram for explaining the bookkeeping system on the financial institution 4 side. A computer 51 that centrally manages deposits and savings in the financial institution 4 is provided with a customer database 52 and a deposits and savings database 53 that store information regarding the savings and deposits of customers for each account of the customers who deposit and save. In the customer database 52, personal information such as the address and name of each customer and the account number are registered. In the deposit / saving database 53, information on deposit / saving such as amount of deposit / refund, date of deposit / refund, etc. is sequentially registered for each customer (account number). The financial institution 4 refers to the customer database 52 and the deposit / savings database 53 to register the above-mentioned information presented from the delivery center 1 in the deposit / savings database 53. This implements the storage means. Further, the official receipt and refund certificate are sent to the depositor 2 by mail or the like.

A passbook printer 54 provided in the ATM is connected to the computer 51. The passbook printer 54 has a computer 55 for centrally controlling the entire passbook printer 54, a conveyance path 56 and a conveyance roller 57 for conveying the passbook 41, a print head 58 for printing on the paper surface of the passbook 41, a page on the paper surface of the passbook 41. It is composed of a scanner 59 for reading marks and the like, a magnetic stripe reading device 60 for reading the magnetic stripe of the passbook 41, and the like.

When the passbook 41 is inserted into the conveyance path 56, it is conveyed by the conveyance rollers 57 and recorded by the print head 58. The processing in this case will be described with reference to the flowchart in FIG.

The computer 55 allows the depositor 2 to pass the passbook 41 to which the barcode 31 is attached from the entrance of the entrance transport path 56 and the passbook 41 transported by the transport rollers 57 through the transport path 56. Then, the magnetic stripe is read by the magnetic stripe reading device 60 (step S51), the deposit / saving database 53 is referenced with the account number of the passbook 41 as a key, and the information relating to the deposit / saving of the deposit / saving person 2 is read (step S52). Further, the paper surface is read by the scanner 59 (step S53). In this reading, the page mark is read, but the information of the barcode 31 is decoded on the paper surface (step S55),
The information in the deposit / saving database 53 is compared with the information in the barcode 31, and the book is recorded by the print head 58 (step S56). The bookkeeping means is realized by step S56. That is, the deposit amount column 42 and the payment amount column 43 to which the label 21a having the barcode 31 printed thereon is not printed, but the deposit amount column 42 and the payment amount column 43 are not printed. Are printed in the year / month / day column 45, the handling institution column 46, the current amount column 47, etc. FIG. 28 shows an example of bookkeeping when refunding 25,000 yen and depositing 5,000 yen through the serviceman 3, and FIG. 29 further repeats depositing and refunding through the serviceman 3. An example of bookkeeping is shown.

When the bar code 31 is not read (N in step S54), the deposit / saving database 5
Bookkeeping is performed by the print head 58 based on the information of 3 (step S56).

As is clear from the above explanation, even if the depositor 2 does not go to the financial institution 4, the serviceman 3 visits the depositor's 2 home or the like, and the depositor 2 has his own account. Deposit and refund deposits and deposits that you want to make to the financial institution 4, and using the portable information terminal device 11 as a proof, issue the label 21a of the bar code 31 that encodes information such as the amount of deposits and refunds. Then, by depositing it on the paper of the passbook 41 of the depositor 2 the depositor 2 can deposit and withdraw the deposit while staying at home or the like.

A serviceman 3 at the home or the like of the depositor 2
Information such as the amount of deposits and refunds made by
The barcode 31 is read by the barcode reader 24 of the mobile information terminal device 11 and stored in the non-volatile memory 15 of the mobile information terminal device 11.
Is brought back to the home delivery center 1 and aggregated, and the aggregated information is presented to the financial institution 4 by the home delivery center 1 so that the financial institution 4 manages the information on deposit and refund of the presented deposit. It can be recorded in the deposit / saving database 53. In addition, home delivery center 1
Can make a settlement with the depositor / saving person 2 for depositing and withdrawing the deposit made with the financial institution 4.

Further, since the depositor 2 saves the label 21a of the received barcode 31 on the paper surface of his / her passbook 41, the depositor / saver 2 can replace the deposit amount and the payment amount of the passbook 41. Can be

Then, the depositor 2 saves the passbook 41 with the label 21a of the bar code 31 attached on the paper.
If you bring the card to the financial institution 4 and put the passbook 41 on the ATM or the teller terminal, the entry will be made in consideration of the existence of the barcode 31, and the other column of the line to which the label 21a is attached ( It is possible to make entries in the current balance field 47 etc.).

Since the account number and the type of financial institution 4 (or the type of head office / branch) are encoded in the bar code 31 as the ID information of the depositor savings holder, the data of the information terminal device 11 which records this information. Referring to, the account number of the depositor 2 who deposits and deposits via the serviceman 3,
It is possible to immediately specify the financial institution 4 (or the main branch).

[0038]

According to the present invention, even if a customer does not go to a financial institution, he / she can make a deposit / refund to / from a financial institution having his own account through a company who has visited the customer.

[Brief description of drawings]

FIG. 1 is an explanatory diagram showing an outline of a flow of a series of services according to an embodiment of the present invention.

FIG. 2 is a plan view, a side view, and a front view of a portable information terminal device according to an embodiment of the present invention.

FIG. 3 is a block diagram showing an electrical connection of the morphological information terminal device.

FIG. 4 is a plan view of a home delivery service screen and a delivery barcode reading screen.

FIG. 5 is a plan view of a delivery completion screen.

FIG. 6 is a plan view of an input confirmation screen.

FIG. 7 is a plan view of an input correction screen.

FIG. 8 is a plan view of a home delivery service end screen.

FIG. 9 is a flowchart of a process performed by the mobile information terminal device.

FIG. 10 is a flowchart of a process performed by the mobile information terminal device.

FIG. 11 is a plan view of a business screen.

FIG. 12 is a plan view of a deposit screen.

FIG. 13 is a plan view of a deposit barcode issuing screen.

FIG. 14 is a plan view of a barcode.

FIG. 15 is a plan view of an account number / amount input screen.

FIG. 16 is a plan view of a deposit bar code reading screen.

FIG. 17 is a plan view of a display example of the amount of money.

FIG. 18 is a plan view of a receipt issuance screen.

FIG. 19 is a plan view of a financial service business completion screen.

FIG. 20 is a plan view of a financial service business end screen.

FIG. 21 is a plan view of a refund screen.

FIG. 22 is a plan view of a refund barcode issuing screen.

FIG. 23 is a plan view of an account number / amount input screen.

FIG. 24 is a plan view of a refund barcode reading screen.

FIG. 25 is a plan view of a display example of the amount of money.

FIG. 26 is a plan view of a refund issuance screen.

FIG. 27 is a plan view of a spread passbook.

FIG. 28 is a plan view of a spread passbook.

FIG. 29 is a plan view of a spread passbook.

FIG. 30 is a conceptual diagram of a bookkeeping system on the financial institution side.

FIG. 31 is a flowchart of a process performed by a passbook printer.

[Explanation of symbols]

2 customers 11 Personal digital assistants 15 Memory device 19 Operation panel 27 Bar code printer 53 storage means 58 print head 59 Bar Code Reader

─────────────────────────────────────────────────── ─── Continuation of front page (51) Int.Cl. ⁷ identification code FI theme code (reference) G06K 1/12 G06K 7/00 U 7/00 17/00 L 17/00 G07D 9/00 436A G07D 9 / 00 436 B41J 3/534

Claims (5)

[Claims] 1. An operation panel, and by operating the operation panel, ID information for identifying a customer, business type information indicating whether the customer is depositing or refunding deposits and withdrawals, and amount information indicating the amount of depositing or refunding. Input acceptance means for accepting an input, a bar code printer for printing a bar code on a recording medium, and each information received by the input acceptance means is converted into data for bar code printing and printed by the bar code printer. A portable information terminal device comprising: a printing unit that stores the information, and a storage unit that stores the ID information, the work type information, and the money amount information in a storage device in association with each other. 2. The portable information terminal device according to claim 1, wherein the input receiving unit receives an input of the account number of the customer as at least a part of the ID information. 3. The portable information terminal according to claim 1, wherein the input receiving means receives, as a part of the ID information, input of financial institution type information indicating the type of financial institution in which the customer deposits and saves money. apparatus. 4. A storage device comprising a bar code reader for reading a bar code, wherein the storage means associates the ID information, the business type information and the amount information obtained by decoding the bar code read by the bar code reader. The mobile information terminal device according to any one of claims 1 to 3, which is stored in. 5. A bar code reader for reading a bar code on a paper of a bankbook, ID information for identifying a customer, which is encoded in the bar code, and a business type indicating whether to deposit or withdraw a deposit or withdrawal of this customer. A reading means for reading the information and the amount information indicating the amount of the deposit or refund, a storage means for storing information on the customer's deposit and savings for each account of the customer making the deposit and savings, and a print head for printing on the paper of the bankbook. A bookkeeping system comprising: a bookkeeping means for carrying out a bookkeeping of the deposit passbook by the print head with reference to the information read by the reading means and the information on deposit and savings stored in the storage means.