JP2004234499A - Bankbook transaction reception system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a means capable of easily confirming a registered seal even in a bankbook to which fraudulent use preventing treatment is applied. <P>SOLUTION: A bankbook transaction reception system for performing transactions with a customer by using the bankbook is provided with a seal data server for storing the seal impression data of the registered seal impression of the customer by correlating them to the account information of the customer; and a terminal connected with the seal data server and provided with a display part for displaying images and a bankbook data read part for reading the account information recorded in the bankbook. The terminal acquires the seal impression data of the registered seal impression from the seal data server on the basis of the account information read from the bankbook of the customer and displays the seal impression data on the display part. <P>COPYRIGHT: (C)2004,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a passbook transaction reception system for preventing theft of a passbook.
[0002]
[Prior art]
Generally, the passbook used by financial institutions shows the seal (notification seal) of the seal (notification seal) used for transactions, and the account holder lost or stolen the passbook. Occasionally, a malicious third party forges a seal based on the seal imprint displayed in the display area of the notification seal imprint of the passbook (referred to as a notification seal area), and fraudulent acts such as withdrawal of a deposit may be performed. .
[0003]
In order to prevent such misconduct, various improper anti-theft measures are applied to the seal imprint displayed on the passbook.
As a conventional anti-piracy measure, there is a method in which a report imprint is read by an image reading device, and a part of the read imprint or a deformed imprint is printed and displayed on a report stamp column of a passbook (for example, see Japanese Patent Application Laid-Open No. H10-163873). 1).
[0004]
In some cases, the notification imprint is stored in an IC circuit provided in the passbook, and the passbook does not display the imprint, thereby preventing a third party from visually confirming it (for example, see Patent Document 2).
[0005]
[Patent Document 1]
JP-A-11-306259 (page 2
(FIG. 2)
[Patent Document 2]
JP-A-11-306308 (page 3
[0011]
FIG. 1)
[0006]
[Problems to be solved by the invention]
However, in the above-described conventional technology, the seal imprint is not displayed on the passbook, or the seal imprint displayed is a part of the seal imprint or a deformed seal imprint. If the user forgets to use the seal, the seal cannot be easily confirmed, and there is a problem that the convenience of the customer is reduced and the use of the wrong seal causes unnecessary confusion.
[0007]
SUMMARY OF THE INVENTION The present invention has been made to solve the above problem, and has as its object to provide a means for easily confirming a registered seal even in a passbook that has been subjected to anti-theft measures to prevent theft.
[0008]
[Means for Solving the Problems]
In order to solve the above problems, the present invention provides, in a passbook transaction reception system for conducting a transaction with a customer using a passbook, a seal data server for storing the seal imprint data of the seal imprint of the customer in association with the customer's account information. A terminal unit having a display unit connected to the seal data server and displaying an image, and a passbook data reading unit for reading account information recorded in the passbook, wherein the terminal device reads from the customer's passbook. Acquiring the seal imprint data of the notified seal imprint from the seal data server based on the account information obtained, and displaying the seal imprint data on the display unit.
[0009]
Further, a seal data server for storing the seal associating data associated with the registered seal of the customer in association with the customer's account information, a display unit connected to the seal data server and displaying an image, and recorded in a passbook. A terminal device having a passbook data reading unit for reading account information, wherein the terminal device acquires the seal associative data from the seal data server based on the account information read from the customer's passbook; Is displayed on the display unit and transmitted.
[0010]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an embodiment of a passbook transaction receiving system according to the present invention will be described with reference to the drawings.
Example of the first embodiment
FIG. 1 is a block diagram showing a passbook transaction reception system according to the first embodiment, and FIG. 2 is a flowchart showing the seal information display processing.
[0011]
In FIG. 1, reference numeral 1 denotes a passbook, which is a passbook 1 in which a notification stamp field (not shown) has been subjected to a treatment for not displaying a notification seal as a theft prevention measure, and the magnetic stripe 2 has a business account number of a customer account or the like. Account information such as an account number is recorded.
Reference numeral 3 denotes a seal data server installed in an office or the like of a financial institution, which stores the seal imprint data of the seal imprint corresponding to the account information of the customer's account.
[0012]
Reference numeral 4 denotes a reception terminal as a terminal device, which is installed in a branch office such as a head office or a branch of a financial institution, and is connected to the seal data server 3 via a communication line such as a dedicated line or a telephone line. Issue a reception number tag to customers who use the reception desk.
Reference numeral 5 denotes a control unit of the reception terminal 4, which is connected to the seal data server 3 via a communication line, controls each unit of the reception terminal 4, and also controls data communication with the seal data server 3.
[0013]
Reference numeral 6 denotes a passbook handling unit, which reads the contents recorded on the magnetic stripe 2 of the passbook 1 of the customer who has been transferred, a passbook insertion port which also serves as an insertion slot and a discharge port of the passbook 1, a passbook transport path for transporting the passbook 1. A passbook data reading unit 7 having a magnetic data reading function is provided.
Reference numeral 8 denotes a display unit, which is composed of a combination of a display screen such as a CRT or an LCD and a touch panel and the like. The display unit 8 displays a visit purpose selection screen and a screen prompting a customer's treatment. Accept input.
[0014]
Reference numeral 9 denotes a number tag issuing unit, which includes a printer for printing a reception number tag in which the numbers are described in the order of reception.
The operation of the above configuration will be described.
The customer has registered the seal imprint of the seal used for the transaction at the time of opening a new account or at the time of notification of the seal of change with the financial institution as the notification imprint, and the financial institution makes the seal imprint data of the notification imprint and the name of the customer correspond to the account information. Registered in the seal data server 3.
[0015]
In addition, the reception terminal 4 of the present embodiment has a “reception processing program” for receiving a customer visiting the store, which is executed by the control unit 5 in advance, and displaying a notification imprint according to the customer's request. "Reception business execution program" to which "Seal information display subprogram" is added is installed.
Hereinafter, the stamp information display processing according to the present embodiment will be described with reference to the flowchart shown in FIG.
[0016]
At the start of an office or the like, a clerk turns on the power to the reception terminal 4 and supplies power to each part of the reception terminal 4. Thereby, the “reception task execution program” installed in the reception terminal 4 is automatically started.
S1, when the reception work execution program is started, the control unit 5 of the reception terminal 4 displays the visit purpose selection screen shown in FIG. 3 on the screen of the display unit 8 by the "reception processing program" and waits.
[0017]
On the visit purpose selection screen, a message to prompt the user to press the visit purpose key, a `` finance / consultation '' key for entering that the visit purpose is a loan or consultation with a financial institution, a new contract for time deposit, Other general keys for visiting the store, such as the "Regular Termination" key for entering continuation and cancellation, the "Deposit / Withdrawal" key for entering receipt transactions at the counter, and the withdrawal transaction. A "Seal Inquiry" key for displaying the seal information of the registered seal is displayed.
[0018]
A customer who has brought a plurality of seals and visited the sales office because he has forgotten his or her notification seal imprint presses a “Seal Inquiry” key on the touch panel to display the seal information of the notification seal from the screen of the display unit 8.
S2, the control unit 5, which has detected the content of the pressed store visit key by a position signal or the like from the touch panel, proceeds to step S3 if the pressed store visit key is a "seal inquiry" key, and to the other store visit keys. In the case of, the process moves to step S8.
[0019]
S3, the control unit 5 recognizing the press of the "Seal Inquiry" key branches to the "Seal Information Display Subprogram" and displays a message prompting the insertion of the passbook 1 on the screen of the display unit 8; 1 is inserted into the passbook handling section 6 from the passbook insertion slot, and the passbook data reading section 7 reads account information such as the business office number and account number of the customer's account recorded on the magnetic stripe 2 of the passbook 1. .
[0020]
S <b> 4, the control unit 5 executes a process of acquiring stamp information to the stamp data server 3.
That is, the control unit 5 creates a seal information transmission request attached with the account information read from the passbook 1 so as to request transmission of the seal information, and transmits the request to the seal data server 3 via the communication line.
The seal data server 3 having received the seal information transmission request retrieves the stored seal imprint data based on the attached account information and extracts the corresponding seal imprint data and the name of the customer.
[0021]
Then, the extracted seal imprint data is inverted to generate inverted seal imprint data corresponding to the character engraved on the seal face of the seal, and the seal imprint data, the inverted seal imprint data, the customer's name, and the like are used as seal information as reception information via a communication line. Send to 4.
S5, the control unit 5 receiving the seal information executes a seal information transmission process.
That is, the control unit 5 displays the seal information display screen shown in FIG. 4 on the screen of the display unit 8 and transmits the seal information to the customer.
[0022]
In the seal information display screen, a seal image display field 10 displaying a seal image based on the word indicating that the screen is a seal inquiry screen, a customer's name, an account number, and a seal imprint data of a registered seal image, and a displayed seal image are displayed. "Enlarge" key to enlarge, "Reduce" key to reduce it, "Reverse" key to invert the displayed imprint image, "Go to menu" key to return to the store visit screen and notification seal A "cancel" key for canceling the visit to the store for reasons such as not bringing it is displayed.
[0023]
At this time, the customer presses the “enlarge” key displayed on the screen if the imprint is difficult to confirm because the displayed imprint image is small, and presses the “reduce” key if the image is too large.
The control unit 5 that has detected the signal of pressing the “enlarge” key enlarges the displayed imprint image to a predetermined magnification, for example, two times, and displays it on the screen. When the “reduce” key is pressed, the displayed imprint image is reduced to a predetermined magnification, for example, 0.5 times and displayed on the screen.
[0024]
Further, when it is necessary to confirm the seal imprint in the same state as the character engraved on the seal face of the seal, the customer presses the "reverse" key displayed on the screen.
The control unit 5 that has detected the signal indicating that the “reverse” key is pressed displays an inverted seal image based on the inverted seal data included in the seal information in the seal image display column 10.
In this case, when it is necessary to enlarge or reduce the inverted image, the customer presses each key and enlarges or reduces the inverted imprint image in the same manner as described above.
[0025]
In this way, the customer compares the displayed seal imprint image with the seals of the plurality of seals brought and searches for the relevant seal, and then presses the “go to menu” key.
If there is no registered seal in the brought seal, for example, cancel the transaction and press the "Cancel" key to bring the registered seal again.
S6, while executing the stamp information display process of step S5, the control unit 5 waiting in the interrupt waiting state of the press of the “menu” key proceeds to step S7 if the “menu” key is not pressed. I do.
[0026]
If the press of the “go to menu” key is detected, the flow branches to step S1 to return to the “reception processing program”, and the display of the display unit 8 displays again the visit purpose selection screen shown in FIG.
After confirming the report seal, the customer presses the visiting purpose key corresponding to the visiting purpose, and the control unit 5 that has detected this presses the process and proceeds to step S8 in step S2.
[0027]
In the present embodiment, the customer presses a "pay-in / pay-out" key to withdraw cash at the reception counter, that is, to perform a withdrawal transaction.
In step S7, while executing the stamp information display process in step S5, the control unit 5 that is waiting in an interrupt waiting state for pressing the "cancel" key returns to step S5 if the "cancel" key is not pressed, and returns to step S5. The information display and the waiting in steps S6 and S7 are continued.
[0028]
When the press of the “cancel” key is detected, the control unit 5 terminates the seal information display processing, returns to step S1, displays the visit purpose selection screen shown in FIG.
In step S8, the control unit 5 displays on the screen of the display unit 8 a message prompting reception of the reception number tag, and discharges the reception number tag printed with the numbers in the order of reception by the printer of the number tag issuing unit 9.
[0029]
At this time, if the passbook 1 is inserted in step S3, the passbook 1 is simultaneously ejected from the passbook insertion slot by the passbook handling unit 6.
The control unit 5 confirms that the customer has received these, terminates the seal information display processing, returns to step S1, displays the visit purpose selection screen shown in FIG.
[0030]
On the other hand, the customer who has received the reception number tag enters predetermined items such as name and withdrawal amount on the payment slip, seals it with the registered seal confirmed in the predetermined sealing column, waits for his turn at a waiting place etc. stand by.
The person in charge of the reception desk displays the reception number of the next customer on an electronic display board or the like in order to perform the business with the next customer when the business with the customer is completed.
[0031]
The customer who confirms his or her turn submits a payment slip and a passbook to the reception desk, and the person in charge carries out withdrawal transactions to the customer based on this.
Although it has been described that the passbook 1 is inserted into the passbook handling unit 6 in the above step S3, a groove provided with a reading head is provided in the passbook data reading unit 7 of the passbook handling unit 6, and the passbook 1 is inserted along the groove. It may be configured to pass through the magnetic stripe 2 and read manually, or the customer may pass through the passbook 1 and read account information. Thereby, the passbook transport path and the like can be omitted, and the configuration of the passbook handling unit 6 can be simplified.
[0032]
Further, in step S5, the predetermined magnification is described as 2 magnifications and 0.5 magnifications. However, the predetermined magnification is set to 1.1 times and the reduction magnifications to about 0.9 times. By pressing the button, the imprint image of the desired magnification may be displayed. The "enlargement" key and "reduction" key are integrated to form an "enlargement / reduction" key, and by pressing this key, the parent screen is displayed. Alternatively, a small screen displaying a plurality of enlargement magnifications and reduction magnifications may be displayed and selected.
[0033]
Alternatively, the control unit 5 may determine the size of the imprint image to be displayed based on the imprint data, and automatically set a magnification with good visibility, so that the original size display can be performed. Is also good. These may be used in combination with the above-mentioned magnification setting.
As described above, in the present embodiment, the reception terminal acquires the seal imprint data from the seal data server based on the account information read from the customer's passbook and displays it on the screen of the display unit. Even with a passbook that has been subjected to anti-theft measures by partially displaying or not displaying it, it is possible to easily check the registered seal in advance without going through the person in charge of the counter, improving the convenience of the customer and making it unnecessary Can be prevented beforehand.
[0034]
In addition, the seal data server manages the seal imprint data of all the seal imprints of all customers, so that customers can check the seal imprint at any branch of the financial institution, improving customer convenience. Can be done.
Example of the second embodiment
FIG. 5 is a block diagram showing a passbook transaction receiving system according to the second embodiment, and FIG. 6 is a flowchart showing the seal information display processing.
[0035]
The same parts as those in the first embodiment are denoted by the same reference numerals, and description thereof will be omitted.
Reference numeral 11 denotes a contact-type or non-contact-type IC chip, which is built in or attached to a predetermined portion of the passbook 1 and is integrally provided. Imprint data is recorded.
[0036]
The passbook data reading section 7 of the passbook handling section 6 according to the present embodiment has a function of reading the content recorded on the IC chip 11 by contact or non-contact means alone or in addition to the magnetic data reading function. I have.
The operation of the above configuration will be described.
The customer has registered the registered imprint with the financial institution at the time of opening a new account or by a resignation notice, and the financial institution records the imprint data of the reported imprint and the customer's name and account information on the IC chip 11 of the passbook 1 as seal information. Department records and provides them to customers.
[0037]
In the reception terminal 4 of the present embodiment, the same “reception business execution program” as in the first embodiment is installed.
Hereinafter, the stamp information display processing according to the present embodiment will be described with reference to the flowchart shown in FIG.
At the start of the office or the like, the clerk starts the “reception work execution program” installed in the reception terminal 4 in the same manner as in the first embodiment.
[0038]
SA1, when the reception work execution program is started, the control unit 5 of the reception terminal 4 displays the visit purpose selection screen shown in FIG. 3 on the screen of the display unit 8 and waits in the same manner as in step S1 of the first embodiment. Then, the customer presses a “seal inquiry” key on the screen of the display unit 8.
SA2, the control unit 5, which has detected the content of the pressed store visit key by a position signal or the like from the touch panel, proceeds to step SA3 when the pressed store visit key is the "Seal Inquiry"key; In the case of, the process moves to step SA9.
[0039]
SA3, the control unit 5 recognizing the press of the "Seal Inquiry" key branches to the "Seal Information Display Subprogram" and displays a message prompting insertion of the passbook 1 on the screen of the display unit 8; The passbook data reading unit 7 detects that the stamp information such as the imprint data and the personal identification number recorded on the IC chip 11 of the passbook 1 are in contact or non-contact with each other by detecting that the passbook 1 is inserted into the passbook handling unit 6 from the passbook insertion slot. Read by means.
[0040]
In this case, the antenna section of the passbook data reading section 7 for receiving data from the non-contact type IC chip 11 is provided on the panel surface of the reception terminal 4, and the customer brings the passbook 1 close to or in contact with the antenna section to make a seal. Information or the like may be read.
The control unit 5 that has read the SA4, the seal information, and the like displays a password input screen on the screen of the display unit 8 to prompt the user to input a password.
[0041]
On the password input screen, a message prompting the input of a password and a numeric keypad for inputting a password, a password display field, a "correction" key for correcting an input error, and the like are displayed.
The customer enters a password using the numeric keypad.
SA5, the control unit 5 recognizing the input of the personal identification number compares the input personal identification number with the personal identification number read from the IC chip 11 of the passbook 1, and if they match, it is determined that the customer is the person, and Step SA6 is performed. Move to.
[0042]
If the passwords do not match, the control unit 5 accepts the re-entry by returning to step SA4 a predetermined number of times, for example, three times. 1 is discharged to terminate the seal information display processing, and the flow returns to step SA1 to display the visit purpose selection screen shown in FIG.
[0043]
SA6, the control unit 5 that has performed the identity verification executes a seal information transmission process.
That is, the control unit 5 displays the seal information display screen shown in FIG. 4 and transmits the seal information to the customer in the same manner as in step S5 of the first embodiment, and the customer operates the “enlarge” key or the “reduce” key. Then, the user compares the seal image displayed using the "reverse" key with the seal faces of the plurality of seals brought to the user to find the corresponding seal, and then presses the "menu" key.
[0044]
If there is no registered seal in the seal brought, the transaction is canceled and the "cancel" key is pressed in order to bring the registered seal again.
Subsequent steps SA7 to SA9 and the operation of the transaction at the counter are the same as the operations of steps S6 to S8 and the operation of the transaction at the counter in the first embodiment, and a description thereof will be omitted.
[0045]
As described above, in the present embodiment, similar to the effect of the first embodiment, the reception terminal displays the seal information read from the customer's passbook on the screen of the display unit, thereby making the theft possible. Even in a passbook that has been subjected to preventive measures, it is possible to easily check the registered seal in advance without going through the person in charge of the counter, improving the convenience of customers and preventing unnecessary confusion beforehand. it can.
[0046]
In addition, since the seal information is recorded on the IC chip, the customer can check the registered seal at any branch of the financial institution, thereby improving the convenience of the customer and improving the seal data. The server can be omitted to simplify the passbook transaction reception system.
In addition, the personal identification number is recorded on the IC chip, and the seal information is displayed after confirming the identity with the personal identification number input by the customer, so that the other person steals the passbook and obtains the information of the registered seal. Can be prevented.
[0047]
Third embodiment
FIG. 7 is a block diagram showing a passbook transaction receiving system according to the third embodiment, and FIG. 8 is a flowchart showing the seal information display processing.
The same parts as those in the first embodiment are denoted by the same reference numerals, and description thereof will be omitted.
[0048]
Reference numeral 21 denotes a host computer installed in a financial institution, which is connected to a communication network 22 such as a dedicated line or a telephone line, and stores account information of a customer's account, its password, and customer information such as an account balance. Manage customer accounts.
The host computer 21 may be installed in the same facility as the seal data server 3 or may be installed in another facility.
[0049]
Reference numeral 23 denotes a speaker, which is provided in the reception terminal 4 and converts a voice signal transmitted from the control unit 5 for voice guidance and information transmission to the customer into voice.
The seal data server 3 and the receiving terminal 4 are connected to the communication network 22 of the present embodiment, and are configured so that data communication can be performed between the three parties including the host computer 21.
[0050]
The seal data server 3 stores seal associative data, which will be described later, in association with the account information, instead of the seal imprint data of the notification seal imprint of the first embodiment.
The operation of the above configuration will be described.
When opening a new account or registering a seal imprint with a financial institution through a seal stamp notification, the customer applies to the financial institution for seal associative data that associates the registered seal with the financial institution. Is registered in the seal data server 3 in association with the account information.
[0051]
This associative data includes the shape of seals such as round, oval, and square, the shape of seals, the material of seals such as ivory, buffalo, and yangyang; Character string data reminiscent of a seal such as a keyword, image data of a picture or a symbol such as a flower or a mountain, image data of a sign, image data reminiscent of a seal such as an image of the entire appearance of the seal, and music melody or At least one of voice data such as the sound of a train, the sound of a bird, the sound of a word expressing the characteristics of the seal, alone or in combination with the shape of the seal or seal, the material of the seal, the color of the seal, etc. The one you have chosen.
[0052]
In the reception terminal 4 of the present embodiment, the same “reception business execution program” as in the first embodiment is installed.
Hereinafter, the stamp information display process according to the present embodiment will be described with reference to the flowchart shown in FIG.
At the start of the office or the like, the clerk starts the “reception work execution program” installed in the reception terminal 4 in the same manner as in the first embodiment.
[0053]
SB1, when the reception work execution program starts, the control unit 5 of the reception terminal 4 displays the visit purpose selection screen shown in FIG. 3 on the screen of the display unit 8 and waits in the same manner as in step S1 of the first embodiment. Then, the customer presses a “seal inquiry” key on the screen of the display unit 8.
SB2, the control unit 5, which has detected the content of the pressed visit purpose key by a position signal or the like from the touch panel, proceeds to step SB3 when the pressed visit purpose key is the "Seal Inquiry" key. In the case of, the process proceeds to Step SB9.
[0054]
SB3, the control unit 5 recognizing the press of the "seal inquiry" key branches to the "seal information display subprogram", and inserts the passbook 1 into the screen of the display unit 8 in the same manner as in step S3 of the first embodiment. Is displayed, and the customer's account information recorded on the magnetic stripe 2 of the passbook 1 inserted by the customer is read.
SB4, the control unit 5 that has read the account information of the customer's passbook 1 displays a password input screen on the screen of the display unit 8, and prompts for a password.
[0055]
On the password input screen, a message prompting the input of a password and a numeric keypad for inputting a password, a password display field, a "correction" key for correcting an input error, and the like are displayed.
The customer enters a password using the numeric keypad.
SB 5, the control unit 5, which has recognized the input of the personal identification number, executes a process of acquiring seal information to the seal data server 3.
[0056]
That is, the control unit 5 creates a stamp information transmission request to which the account information read from the passbook 1 and the input personal identification number are attached so as to request transmission of the stamp information, and transmits the request to the stamp data server via the communication network 22. Send to 3.
Upon receiving the seal information transmission request, the seal data server 3 sends a customer authentication request to which the account information of the seal information transmission request and the personal identification number are attached to the host computer 21 to the communication network 22 so as to request customer authentication for identity verification. To send over.
[0057]
The host computer 21 that has received the customer authentication request searches for the customer information based on the attached account information, checks the password of the corresponding customer information with the password of the customer authentication request, and the password matches. In this case, a customer is authenticated, and a message indicating that the customer is authenticated is created.
If the passwords do not match, a message indicating that the password is authenticated is created.
[0058]
Then, the host computer 21 transmits an authentication enable / disable message to the seal data server 3 via the communication network 22.
The seal data server 3 which has received the authentication propriety message searches the stored seal associative data based on the account information of the seal information transmission request if the authentication propriety message authenticates the customer, and searches the corresponding seal. The associative data and the customer's name are extracted, and the extracted seal associative data and the customer's name and the like are transmitted to the reception terminal 4 via the communication network 22 as seal information.
[0059]
If the authentication permission / non-permission message does not authenticate the customer because the passwords do not match, this is transmitted to the reception terminal 4 and the control unit 5 returns to step SB4 a predetermined number of times, for example, three times. When the re-input is accepted and the re-entered password does not match even after exceeding the predetermined number of times, the passbook 1 is discharged, the seal information display processing is terminated, and the process returns to step SB1 and the screen of the display unit 8 is displayed. A visit purpose selection screen shown in FIG.
[0060]
SB6, the control unit 5 receiving the seal information executes a seal information transmission process.
That is, when the seal association data of the seal information is audio data, the control unit 5 transmits the audio data to the speaker 23 as an audio signal, and the speaker 23 converts the audio signal into audio to provide the customer with the audio seal information. Communicate.
When the seal association data of the seal information is character string data or image data, the control unit 5 displays the seal information display screen shown in FIG. 9 on the screen of the display unit 8 and transmits the seal information.
[0061]
On the seal information display screen, bring the word indicating that the screen is a seal inquiry screen, the customer's name, account number and seal associative data display field 25, and a "Go to Menu" key to return to the visit purpose screen and a report seal. A "cancel" key for canceling the visit to the store for reasons such as not being displayed is displayed.
In the example of FIG. 9, an image of the entire appearance of the seal is displayed in the seal association data display column 25.
[0062]
The seal association data displayed in the seal association data display column 25 is, for example, as shown in FIG. 10A when the seal association data of the seal information is character string data, and as shown in FIG. As shown in FIG. 10B, in the case of symbol image data, it is displayed as shown in FIG. 10C.
In this way, the customer searches for the corresponding seal from the plurality of seals brought by the transmitted seal association data, and then presses the “go to menu” key.
[0063]
If there is no registered seal in the seal brought, the transaction is canceled and the "cancel" key is pressed in order to bring the registered seal again.
When a plurality of stamp associative data for transmission by display are registered, a “next” key for displaying the next seal associative data is displayed on the stamp information display screen, and a plurality of stamp associative data are displayed. One of the data may be displayed, and the next stamp associative data may be sequentially displayed and transmitted by pressing the “next” key, or all may be displayed and transmitted simultaneously. .
[0064]
When a plurality of seal associative data for voice transmission are registered, a "next" key for transmitting the next voice is displayed on the screen of the display unit 8, and the Are transmitted by voice, and when the "next" key is pressed, the next voice data is sequentially transmitted by voice.
When a plurality of seal associative data for voice and display transmission are combined and registered, voice and display are performed simultaneously, and when there is more seal associative data, each is sequentially performed in the same manner as above. To communicate to.
[0065]
The subsequent steps SB7 to SB9 and the operation of the transaction at the reception counter are the same as the operations of steps S6 to S8 and the operation of the transaction at the reception counter in the first embodiment, so that the description thereof will be omitted.
In step SB4, biometric information such as a fingerprint and an iris may be input instead of inputting a personal identification number, and personal identification may be performed based on the biometric information.
[0066]
When the "cancel" key is pressed in step SB6, the associative data transmitted by display is printed and discharged by the printer of the number tag issuing unit or a printer provided separately in consideration of the convenience of the customer. Alternatively, the customer may be able to search for a registered seal at home or the like based on the information.
As described above, in the present embodiment, similar to the effect of the first embodiment, the reception terminal acquires and displays the seal association data from the seal data server based on the account information read from the customer's passbook. By displaying it on the screen of the department, even in a passbook that has been subjected to anti-theft measures, it is possible to easily check the registered seal in advance without going through the person in charge of the counter, improving the convenience of customers And unnecessary confusion can be prevented.
[0067]
In addition, since the seal data server manages the seal associative data of all the registered seals of the customer, the customer can confirm the registered seal at any branch of the financial institution, thereby improving customer convenience. Can be improved.
Furthermore, by not displaying the seal image of the registered seal directly, but displaying only the seal associative data that indirectly reminds the registered seal, it is possible to prevent others from stealing the seal seal, and the confidentiality of the registered seal can be prevented. Can be improved.
[0068]
Furthermore, by inputting a password or biometric information and displaying the seal information after confirming the identity, it is possible to prevent another person from stealing the passbook and obtaining the information of the registered seal image.
Furthermore, by transmitting the seal associative data by voice, even in the case of a visually impaired person, it is possible to easily confirm the reported seal in advance.
[0069]
In this case, the associative data to be registered with the financial institution is to register as the textual data such that the visually impaired person can easily distinguish the seal, for example, the shape of the body of the seal, the degree of unevenness, and a uniquely provided landmark. It is desirable to keep.
In step SB6 of the third embodiment, the display of the imprint image shown in step S5 of the first embodiment may be additionally executed.
[0070]
In this case, the seal data server adds and stores the seal imprint data corresponding to the account information, adds the seal imprint data to the seal information, and displays the seal information display screen displayed in step SB6 as the screen shown in FIG. A seal image display key for confirming the seal image is added to the seal information display screen shown in FIG. 9 and displayed, and the seal information display screen shown in FIG. 4 is displayed by pressing the seal image key. To do.
[0071]
As a result, it is possible to confirm the registered seal after the identity verification is completed, and it is possible to more surely confirm the registered seal while preventing the registered seal from being stolen by a third party.
Further, the seal associating data shown in the third embodiment may be recorded in the seal information of the IC chip of the second embodiment.
[0072]
Further, the passbook transaction reception system (FIG. 1) of the first embodiment is changed to the passbook transaction reception system (FIG. 7) of the third embodiment to input a password at step SB4 of the third embodiment. You may make it do. As a result, in the first embodiment as well, identity verification can be performed, and it is possible to prevent another person from stealing the passbook and obtaining information on the registered seal imprint.
[0073]
In each of the above embodiments, the reception device is described as an example of the terminal device. However, the terminal device is not limited to the reception terminal, and may be an automatic teller machine, a multimedia terminal, or the like.
In this case, the present invention can be easily applied by using the existing passbook handling department or adding a passbook handling department, and the customer can use the nearest unmanned booth or convenience store without going to the branch office. Confirmation of the registered seal can be performed easily and easily.
[0074]
Also, in the first and third embodiments described above, the seal information is displayed or transmitted using the passbook. However, the terminal device is provided with a card handling unit, and an account such as a cash card or a credit card is provided. Even if a transaction card that can read information is used, the passbook may be the passbook with the IC chip shown in the second embodiment, and the account information may be recorded and used on the IC chip. The effect can be obtained.
[0075]
【The invention's effect】
As described above, according to the present invention, the reception terminal acquires the seal imprint data from the seal data server based on the account information read from the customer's passbook and displays it on the screen of the display unit. Also in the passbook to which is applied, the registered seal can be easily confirmed in advance, and the effect that the convenience of the customer can be improved and unnecessary confusion can be prevented beforehand can be obtained.
[0076]
In addition, the reception terminal acquires the seal associative data from the seal data server based on the account information read from the customer's passbook, and displays it on the screen of the display unit. The registered seal can be easily checked, the convenience of the customer can be improved, and unnecessary confusion can be prevented beforehand. At the same time, only the seal associative data that indirectly reminds the registered seal is displayed. By doing so, it is possible to prevent another person from seeing the seal imprint, and to obtain the effect of improving the confidentiality of the notified seal imprint.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a passbook transaction receiving system according to a first embodiment;
FIG. 2 is a flowchart illustrating stamp information display processing according to the first embodiment;
FIG. 3 is a display example of a visit purpose selection screen according to the first embodiment;
FIG. 4 is a display example of a seal information display screen according to the first embodiment.
FIG. 5 is a block diagram showing a passbook transaction receiving system according to a second embodiment;
FIG. 6 is a flowchart illustrating stamp information display processing according to the second embodiment;
FIG. 7 is a block diagram showing a passbook transaction receiving system according to a third embodiment;
FIG. 8 is a flowchart illustrating a seal information display process according to the third embodiment.
FIG. 9 is a display example of a seal information display screen according to the third embodiment.
FIG. 10 is a display example of a seal associative data display field according to the third embodiment.
FIG. 11 is a display example of a seal information display screen according to another aspect of the third embodiment.
[Explanation of symbols]
1 passbook
2 Magnetic stripe
3 Seal data server
4 reception terminal
5 control part
6 Passbook handling department
7 Passbook data reading unit
8 Display
9 Number card issuing department
10 Imprint image display field
11 IC chip
21 Host computer
22 Communication Network
23 Speaker
25 Seal associative data display field

Claims (8)

In a passbook transaction reception system that conducts transactions with customers using a passbook,
A seal data server that stores the seal imprint data of the registered seal imprint of the customer in association with the customer's account information;
A terminal device having a display unit connected to the seal data server and displaying an image, and a passbook data reading unit for reading account information recorded in the passbook,
A passbook transaction receiving system, wherein the terminal device acquires the seal imprint data of the notified seal imprint from the seal data server based on the account information read from the customer's passbook, and displays the seal imprint data on the display unit. . In claim 1,
A passbook transaction reception system, wherein the seal data server stores seal association data for associating a registered seal of a customer with the seal imprint data, and displays the seal association data on the display unit. In a passbook transaction reception system that conducts transactions with customers using a passbook,
A seal data server that stores seal association data that associates the registered seal of the customer with the customer's account information;
A terminal device having a passbook data reading unit connected to the seal data server and reading account information recorded in the passbook;
The passbook transaction receiving system, wherein the terminal device acquires the seal associative data from the seal data server based on account information read from a customer's passbook, and transmits the seal associative data. In a passbook transaction reception system that conducts transactions with customers using a passbook,
The passbook is provided with an IC chip for storing imprint data of a customer's registered imprint,
A terminal device having a display unit for displaying an image, and a passbook data reading unit for reading the imprint data recorded on the IC chip,
The passbook transaction receiving system, wherein the terminal device displays the imprint data read from the customer's passbook on the display unit. In claim 4,
A passbook transaction reception system, wherein the IC chip additionally stores seal associative data for associating a registered seal of a customer, and the seal associative data is displayed on the display unit. In a passbook transaction reception system that conducts transactions with customers using a passbook,
The passbook is provided with an IC chip for storing seal association data for associating a registered seal of a customer,
A terminal device having a passbook data reading unit for reading the seal association data recorded on the IC chip,
The passbook transaction reception system, wherein the terminal device transmits the seal association data read from a customer's passbook. In claim 3 or claim 6,
A passbook transaction receiving system, wherein the terminal device is provided with a display unit for displaying an image, and the seal association data is displayed on the display unit and transmitted by an image. In claim 2, claim 3, claim 5, claim 6, or claim 7,
A passbook transaction receiving system, wherein a speaker for outputting voice is provided in the terminal device, and the stamp associative data is transmitted by voice via the speaker.

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