JP2004341934A - Check processor, host computer of check processor, check processing system, check reading method, and check reading program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a check processing system capable of shortening the total check processing by effectively using the waiting time in authentication of MICR data. <P>SOLUTION: This check processing system 1 comprises the check processor 10 and a register device 40 as a host computer of the check processor 10. The check processor 10 reads the MICR recorded on a check S and performs data communication with the register device 40. The register device 40 performs data communication with the check processor 10 and a settlement institution server 60. In the check processing system 1, surface image data are preliminarily transmitted from the processor 10 to the register device 40 by use of the waiting time for the MICR authentication. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a check processing device used in a store or a financial institution, a host computer of the check processing device, a check processing system, a check reading method, and a check reading program.
[0002]
[Prior art]
In settlements at stores and banks, checks may be used in addition to cash and credit cards. For example, when a check is used to pay for goods or services in payment at a store, the store receives the check from a customer who is a buyer and checks the validity of the check. If the received check is valid, the store writes necessary information in the check according to the situation and provides goods or services.
[0003]
Then, the store brings the check to a settlement institution such as a bank, and performs a cash transfer process from the check issuer's account to the store's account to complete the settlement. As described above, in the conventional check settlement, the settlement is completed after the check is brought from the store to the settlement institution.
[0004]
On the other hand, in recent years, computerization of payment processing by check has been advanced, and data such as an account number recorded by MICR (Magnetic Ink Character Recognition) on the check is read using a terminal device installed in a store. Store with the settlement amount. A payment system has been put to practical use in which the store transmits the data to a server of a payment institution during a predetermined time period such as at night to make payment. In this settlement system, the used check is scanned by a scanner or the like, and only the image data of the check is left at the store, and the store returns it to the customer on the spot. Therefore, in this settlement system, there is no need to bring the completed check to the settlement institution, so that the work efficiency is improved.
[0005]
For example, Japanese Patent Application No. 2001-352179 filed by the present applicant discloses a specific check processing device that scans a check with a scanner in this settlement processing, acquires image data of the check, and stores the image data at the store. ing.
[0006]
[Problems to be solved by the invention]
However, the conventional check processing apparatus is configured to read the MICR recorded on the check, perform authentication of the check, and then acquire the image data of the check. Normally, authentication of MICR data after MICR reading requires a certain amount of time, and the check processing device cannot perform the next operation unless authentication is completed. Therefore, there is a problem that it takes a long time to process a total check, and the work efficiency is not improved.
[0007]
The present invention has been made in consideration of the above-described problems and the like, and provides a check processing apparatus capable of shortening total check processing by effectively utilizing a waiting time at the time of authentication of MICR data, a host computer of the check processing apparatus, and a check processing. It is an object to provide a system, a check reading method, and a check reading program.
[0008]
[Means for Solving the Problems]
(1) an MICR reading sensor that reads MICR recorded on a check and obtains MICR data;
A scanner that scans the check and generates check image data;
A communication control unit for performing data communication with the host computer,
A control unit that controls the MICR reading sensor and the scanner based on an instruction from the host computer,
The control unit transmits the MICR data to the host computer via the communication control unit to perform the check authentication,
Wherein the control unit transmits the check image data to the host computer after transmitting the MICR data to the host computer via the communication control unit and before receiving an authentication result. apparatus.
(2) The check processing device according to (1), further comprising a head that prints on the check.
(3) The control unit according to (1) or (2), wherein the control unit sequentially transmits the MICR data and the check image data in response to a MICR reading and a check image reading instruction from the host computer. Check processing equipment.
(4) a communication control unit for performing data communication with the check processing device and the authentication server;
A control unit for controlling the check processing device via the communication control unit,
The control unit obtains MICR data from the MICR recorded on the check,
The control unit transmits the MICR data received from the check processing device to a server to perform authentication of the check,
The host computer of the check processing device, wherein the control unit sends a request for transmission of the image data to the check processing device before receiving the check authentication result from the server.
(5) The host computer of the check processing device according to (4), wherein the check processing device is instructed to print on the check.
(6) The check processing apparatus according to (4) or (5), wherein the check processing apparatus is instructed to sequentially transmit the MICR data and the check image data.
(7) a display unit for displaying the check image data received from the check processing device;
An input unit for performing an input by a user.
The communication control unit, before receiving the authentication result, receives the check image data from the check processing device,
The said display part displays the said check image data, and enables a user to input the amount displayed on the said check image data via the said input part, The Claims (4)-(6) characterized by the above-mentioned. A host computer of the check processing device according to any one of the above.
(8) a check processing device that reads MICR recorded on a check to obtain MICR data, and scans the check to generate image data of the check;
A host computer that receives the MICR data and the image data of the check from the check processing device, and that is communicably connected to a server that performs authentication of the check based on the MICR data;
The check processing system according to claim 1, wherein the host computer requests the check processing device to transmit the image data before receiving the check authentication result from the server.
(9) In response to a request for transmission of the image data transmitted from the host computer, the check processing device sends the check to the host computer before the host computer receives the check authentication result from the server. The check processing system according to (8), wherein image data is transmitted.
(10) The check processing system according to (8), further comprising a head for performing printing on the check.
(11) The check processing device according to (8) to (10), wherein the MICR data and the check image data are sequentially transmitted in response to the MICR reading and the check image reading instruction from the host computer. A check processing system according to any one of the preceding claims.
(12) The host computer includes: a display unit that displays the check image data received from the check processing device; and an input unit for performing an input by a user.
The host computer, before receiving the authentication result, receives the check image data from the check processing device,
The display unit displays the check image data, and enables a user to input the amount of money displayed on the check image data via the input unit. The check processing system according to any one of the above.
(13) requesting the check reader to read MICR data from the MICR recorded on the check;
Sending the MICR data to a server for authentication of the check;
Sending a request for transmission of the image data to the check processing device before receiving the authentication result of the check from the server.
(14) causing the computer to request the check reader to read MICR data from the MICR recorded on the check;
Causing a computer to send the MICR data to a server for authentication of the check;
A control program for a host computer for controlling a check reading device, wherein the control program causes a computer to request the check processing device to transmit the image data before receiving a check authentication result from the server.
[0009]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an embodiment of a check processing system according to the present invention will be described with reference to the drawings.
(1st Embodiment)
FIG. 1 is a diagram illustrating a check processing system 1 according to a first embodiment of the present invention. FIG. 2 is a diagram illustrating a cross section of a check transport path of a check processing device 10 according to the present embodiment. FIG. 1 is a functional block diagram of a check processing system 1 of the present embodiment. FIGS. 4 and 5 are flowcharts showing a series of check processing using the check processing system 1 of the present embodiment.
[0010]
The check processing system 1 of the present embodiment is a system that is arranged in a store and can execute payment by check as compensation for goods and services. As shown in FIG. 1, the check processing system 1 includes a check processing device 10 and a register device 40 that controls the check processing device 10 as a host computer of the check processing device 10.
[0011]
The check processing apparatus 10 of the present embodiment is a composite printer capable of printing a check on the front and back surfaces of a check S and printing a roll paper on a roll paper for issuing a receipt. The check processing device 10 has a front cover 13 and a back cover 14 attached to the upper surface of the main body 12 so as to be openable and closable.
[0012]
Roll paper (not shown) is provided inside the main body 12 of the check processing device 10. The roll paper is transported through a roll paper transport path (not shown) provided inside the main body portion 12 to perform printing. Then, the printed roll paper is discharged from a roll paper discharge port 19 opened on the upper surface of the main body 12.
[0013]
A check insertion slot 16 into which a check S can be inserted is provided on the front side of the check processing device 10. The check S inserted from the check insertion slot 16 is conveyed through a check conveyance path 21 provided in the main body 12 and discharged from a check discharge port 18 provided between the front cover 13 and the back cover 14. Is done. The check processing device 10 of this embodiment performs printing on the check S, reading of the image of the check S, reading of the MICR printed on the check S, and the like while transporting the check S along the check transport path 21.
[0014]
As shown in FIG. 2, the check S inserted into the check transport path 21 includes a sub-check feed roller 22a and a sub-check feed roller 22a and a sub-check pressing roller 22b disposed opposite to the check transport path 21. The paper is conveyed and sent to the back printing unit 23 inside the check conveyance path 21.
[0015]
The back side printing unit 23 includes a serial impact dot matrix type printing unit 23a arranged on the back side of the check S, and a platen 23b opposed to the printing unit 23a with the check conveyance path 21 interposed therebetween. The printing unit 23a can print on the back of the check S.
[0016]
The check S further conveyed from the back side printing unit 23 is conveyed by a check feed roller 24a, and a check holding roller 24b arranged opposite to the check feed roller 24a with the paper conveyance path 21 interposed therebetween. It is sent to the front side printing unit 25.
[0017]
The front printing unit 25 includes a serial impact dot matrix printing unit 25a disposed on the front side of the check S, and a platen 25b opposed to the printing unit 25a with the check conveyance path 21 interposed therebetween. The printing unit 25a can print on the front surface of the check S. The check S further transported from the front side printing unit 25 is sent to the check image information reading sensor 26.
[0018]
The check image information reading sensor 26 is a CIS type image sensor (scanner), and is arranged on the front side of the check S. A pressing roller 27 is disposed on the opposite side of the check image information reading sensor 26 across the check transport path 21. The pressing roller 27 presses the check S toward the reading surface 26a of the check image information reading sensor 26 with a predetermined pressing force corresponding to the check thickness by a pressing member 27a made of an elastic member or the like. The check image information reading sensor 26 is configured to be able to read image information recorded on the front side of the check S in a state where the check S is pressed against the reading surface 26a by the pressing roller 27. The check S that has passed between the check image information reading sensor 26 and the pressing roller 27 is discharged from the check discharge port 18.
[0019]
Further, a check trailing end sensor 28a is provided at the check insertion slot 16 and a check leading end sensor 28b is provided downstream of the sub-check pressing roller 22b, so that the presence or absence of the check S in the check transport path 21 is confirmed. , And for cueing control during printing by the front side printing unit 25 and the back side printing unit 23.
[0020]
An ejection detector 29 is provided between the front side printing unit 25 and the check image information reading sensor 26, and detects whether the check S is ejected from the check conveyance path 21.
[0021]
An MICR reading sensor 30 is provided near the check insertion slot 16 of the check transport path 21. The MICR reading sensor 30 reads an MICR printed on a check S using magnetic ink, for example. The MICR indicates MICR data such as a bank number, a fulcrum number, an account number, a serial number of a check, and the like, which are read by using the MICR reading sensor 30. It is possible to recognize the MICR data of a check.
[0022]
Next, the register device 40 will be described with reference to FIG. 1 again. The register device 40 constitutes, for example, a part of a POS system arranged in a store. The register device 40 is communicably connected to the check processing device 10 via a communication cable 38 such as a USB, and controls the check processing device 10 by transmitting various commands to the check processing device 10. .
[0023]
The register device 40 has an electric button formed on a transparent sheet panel that covers the display screen 42a, and a touch panel 42 capable of accepting an input from a user, a credit card reader 46 for reading a credit card, and A display unit 47 is provided for displaying to the purchaser the unit price, quantity, unit price × number, subtotal amount, total amount, change amount, etc. of the product to be purchased.
[0024]
In the case where payment by check is not performed, the cash register 40 of the present embodiment calculates the total amount of goods purchased by the purchaser and performs payment by cash or credit card, similarly to a normal cash register. Used.
[0025]
Next, the configuration of the check processing system 1 of the present embodiment will be described with reference to FIG.
[0026]
As shown in FIG. 3, in the check processing system 1 of the present embodiment, a check processing device 10 and a register device 40 are connected by a communication cable 38, and the register device 40 is connected to an external payment institution via a network 50. It is connected to the server 60. Hereinafter, the circuit configurations of the check processing device 10, the register device 40, and the clearing house server 60 will be described in order.
[0027]
The check processing device 10 of the check processing system 1 according to the present embodiment includes a central processing unit 36 (hereinafter, referred to as a check processing device-side CPU 36), and each member is controlled around the central processing unit 36. ing. Specifically, the check processing device 10 includes a MICR reading sensor 30, a front side printing unit 25, a back side printing unit 23, a roll paper printing unit 31, a check image information reading sensor 26, a check transport unit 33, a check detection unit 34, and a memory 32. And a check processing device-side communication control unit 35. In the following, members that have not been described with reference to FIGS. 1 and 2 will be described.
[0028]
The roll paper printing unit 31 includes, for example, a thermal print head and a platen roller provided inside the main body 12, and is configured to be able to print characters on roll paper fed by the platen roller using the print head. ing. The printed roll paper is discharged from the roll paper discharge port 19 through the roll paper transport path (see FIG. 1).
[0029]
The check transport unit 33 includes a control circuit including a check feed roller 24 a and a sub-check feed roller 22 a provided along the check transport path 21, and controls the transport of the check S in the check transport path 21.
[0030]
The check detection unit 34 is configured by a circuit including a check rear end sensor 28a, a check front end sensor 28b, a discharge detector 29, and the like provided along the check transport path 21, and detects a position of the check in the check transport path 21. I do. The check transport unit 33 drives and controls the check feed roller 24a and the sub-check feed roller 22a in accordance with the check position detected by the check detection unit 34, and performs the check transport in the check transport path 21.
[0031]
The memory 32 is a storage area used in the check processing device 10, and includes a RAM and a ROM. Various commands and print data sent from the external register device 40 are temporarily buffered in the memory 32, and then various processes are executed by the check processing device side CPU 36. The memory 32 stores a processing program to be executed by the check processing device-side CPU 36. The check processing device-side CPU 36 reads out the processing program from the memory 32 and executes it.
[0032]
The check processing device-side communication control unit 35 is a control unit for controlling communication with the register device 40 connected via the communication cable 38. The check processing device side communication control unit 35, in response to an instruction from the check processing device side CPU 36, checks the MICR data of the check S read by the MICR reading sensor 30, the image data of the check S read by the check image information reading sensor 26, Alternatively, the status information and the like of the check processing device 10 are sent to the register device 40. On the other hand, the check processing unit communication control unit 35 receives various commands and print data from the register device 40 and sends them to the check processing unit CPU 36 or the memory 32.
[0033]
Next, the register device 40 will be described with reference to FIG. The register device 40 includes a touch panel 42, a credit card reader 46, a display unit 47, and a register-side communication control centering on a central processing unit 41 (hereinafter, referred to as a register device-side CPU 41) that controls each member of the register device 40. A unit 43, a network communication control unit 44, and a memory 45 are provided. In the following, members that have not already been described with reference to the description of FIG.
[0034]
The register-side communication control unit 43 is a control unit for controlling communication with the check processing device 10 connected via the communication cable 38. The register-side communication control unit 43 sends various request commands and print data to the check processing device 10 in response to an instruction from the register-side CPU 41. On the other hand, the register-side communication control unit 43 receives MICR data of the check S, image data of the check S, and the like read by the check processing device 10.
[0035]
The network communication control unit 44 is connected to an external payment institution server 60 via the network 50, and is a control unit for controlling communication with the external payment institution server 60.
[0036]
Here, the external settlement institution server 60 is, for example, a server of a financial institution such as a bank that issues a check, and stores information relating to the check S. This external clearing house server 60 checks the MICR data transmitted via the network communication control unit 44 with the information stored in the clearing house server 60, and can use a check printed with the MICR data. Authenticate whether or not it is.
[0037]
In addition, the network communication control unit 44 is configured to transmit a check settlement request to the settlement institution server 60 in response to an instruction from the register device-side CPU 41. The settlement request is made at an appropriate timing, for example, at night, and the settlement institution server 60 responds to the settlement request by changing the check account number from the account of the check account number to the designated account of the requesting store. Execute the transfer process.
[0038]
The memory 45 is a storage area used in the register device 40, and includes a large-sized storage device such as a RAM, a ROM, and a hard disk. The memory 45 stores processing programs to be executed by the register device-side CPU 41. The register device-side CPU 41 reads out the processing programs from the memory 45 and executes various processes.
[0039]
Next, check processing using the check processing system 1 of the present embodiment will be described with reference to FIGS. 4 and 5. In the check processing according to the present embodiment, the check processing device side CPU 36 in the check processing device 10 executes the check processing execution program stored in the memory 32, and the register device side CPU of the register device 40 This is performed by executing a check processing application program stored in the application.
[0040]
First, in a store, when a clerk inputs a cash register process for a certain shopper using the touch panel 42 of the register device 40, the register CPU 41 determines a settlement amount for the shopper (step S101). When the payment amount is determined, the register CPU 41 causes the touch panel 42 to display a screen for selecting a payment method (here, cash, credit card, or check) (step S102).
[0041]
The clerk asks the customer for a settlement method based on the display on the touch panel 42, and inputs a settlement method desired by the shopper via the touch panel 42 (step S103). If the payment method is cash or a credit card, the process proceeds to step S105. In the case of cash, the settlement is completed by the transfer of cash and goods, and in the case of a credit card, predetermined credit card processing is performed by reading the shopper's credit card information via the credit card reader 46. Do.
[0042]
On the other hand, if the payment method is a check, the electronic processing confirmation message of the check is displayed on the touch panel 42 in step S104, and the electronic processing of the check is advanced.
[0043]
Next, the description moves to the flowchart shown in FIG. When it is determined that the electronic processing of the check is to be performed, the register device-side CPU 41 of the register device 40 causes the touch panel 42 to display a message prompting to insert the check S of the shopper (step S111).
[0044]
Here, the following description will be made on the premise that a check S in which necessary items such as the amount of money or the like are already inserted is inserted. If necessary information such as the amount of money is not described, the necessary information may be printed on the check S using the check processing device 10 as preparation before starting the following processing.
[0045]
The check processing device 10 waits for the insertion of the check S in step S112, and when the check S is inserted from the check insertion slot 16, notifies the register device 40 that the check has been inserted (step S113). .
[0046]
When the register device 40 receives the insertion notification from the check processing device 10, the register device 40 generates a MICR reading instruction and a check image reading instruction command for instructing to read the MICR printed on the check S and the surface image of the check S, and generates the check processing device. 10 (step S114).
[0047]
When the check processing device 10 receives the MICR reading and the check image reading instruction command from the register device 10, the check processing device 10 reads the MICR printed on the surface of the inserted check S using the MICR reading sensor 30, and reads the read MICR data. It is temporarily stored in the memory 32 (step S115). Then, the check processing device 10 transmits the MICR data temporarily stored in the memory 32 to the register device 40 in step S116.
[0048]
Further, the check processing device 10 scans the front surface of the check S using the check image information reading sensor 26 to read the front surface image, and stores the read front surface image data in the memory 32 in continuation of the process in step S116. (Step S117).
[0049]
When the register device 40 receives the MICR data in step S118, the register device 40 generates an MICR data authentication request to confirm whether the check S presented by the shopper is usable, and sends the MICR data authentication request via the network 50 to the clearing house server. 60 (step S119).
[0050]
Upon receiving the MICR data authentication request from the register device 40 in step S120, the clearing house server 60 checks the MICR data with the data stored in the clearing house server 60, and confirms that the MICR data transmitted from the register device 40 is valid. Then, it is confirmed whether or not it is available and whether it is currently available (step S121). Then, an authentication result notification is created based on the data confirmation result, and the authentication result notification is returned to the register device 40 (step S122).
[0051]
On the other hand, when the register device 40 generates the MICR data authentication request in step S119 and transmits it to the clearing house server 60 via the network 50, the process proceeds to step S123, where the check processing device 10 reads the front side of the check S. A front surface image data transmission request for requesting transmission of image data is generated and transmitted to the check processing device 10 (step S123).
[0052]
When the check processing device 10 receives the front surface image data transmission request from the register device 40 in step S124, the check processing device 10 reads the front surface image data of the check S stored in the memory 32 and transmits the data to the register device 40 (step S125). .
[0053]
When the register device 40 receives the surface image data from the check processing device 10, the register device 40 stores the received surface image data in the memory 45 in association with the read MICR data (step S126).
[0054]
In the present embodiment, the register device 40 is configured to receive the surface image data from the check processing device 10 earlier than transmitting the MICR authentication request to the clearing house server 60 and then receiving the authentication result. ing. In general, MICR authentication requires a certain amount of time. In the present embodiment, the waiting time is used to transmit the surface image data from the check processing device 10 to the register device 40 in advance. I have.
[0055]
Thereafter, upon receiving the authentication result from the clearing house server 60 in step S127, the register device 40 checks whether the authentication result of the check S is satisfactory (step S128). Here, if there is no problem with the authentication result, a consent form for obtaining consent for use of the check is printed (step S129). Then, if the shopper agrees with the agreement, final processing is performed and check processing is completed.
[0056]
On the other hand, if there is a problem with the authentication result, the entire check processing is canceled and the processing is terminated (step S130).
[0057]
As described above, the check processing system 1 of the present embodiment includes the check processing device 10 and the register device 40 as a host computer of the check processing device 10.
[0058]
The check processing device 10 reads the MICR recorded on the check S and obtains the MICR data. The MICR reading sensor 30 scans the check S to generate the check image data. The check image information reading sensor 26 generates the check image data. A check processing device-side communication control unit 35 for performing data communication with the device 40; a check processing device-side CPU 36 for controlling the MICR reading sensor 30 and the check image information reading sensor 26 based on an instruction from the register device 40; It has.
[0059]
On the other hand, the register device 40 as a host computer includes a register device-side communication control unit 43 and a network communication control unit 44 for performing data communication with the check processing device 10 and the clearing house server 60, and a register device-side communication control unit 43. And a register device-side CPU 41 that controls the check processing device 10 through the CPU.
[0060]
In the present embodiment, the check processing device-side CPU 36 transmits MICR data to the register device 40 via the check processing device-side communication control unit 35 in order to authenticate the check S, and the register device 40 transmits the MICR data. Receive. Then, the register device-side CPU 41 transmits the MICR data received from the check processing device 10 to the payment institution server 60 to perform authentication of the check S, and the register device-side CPU 41 transmits the authentication result of the check S to the payment institution server. Before receiving from the check 60, a request for transmission of image data of the check S is made to the check processing device 10. Then, the check processing device-side CPU 36 transmits the check image data to the register device 40 from the time when the register device 40 transmits the MICR data to the time when the authentication result is received via the check processing device-side communication control unit 35. I do.
[0061]
Therefore, according to the check processing system 1 of the present embodiment, the surface image data is transmitted in advance from the check processing device 10 to the register device 40 using the waiting time for MICR authentication. Therefore, by making effective use of the waiting time, it is possible to cause the check processing device 10 to perform the processing to be performed ahead of schedule, thereby shortening the total check processing time. As a result, the time during which the shopper waits during the authentication time is reduced, and business can be performed efficiently.
[0062]
According to the present embodiment, the check processing device 10 includes the front side printing unit 25 and the back side printing unit 23 that print on the check S. Therefore, if it is necessary to perform printing on the check S, it is possible to perform desired printing using the check processing device 10.
[0063]
Further, according to the present embodiment, the register device 40 is configured to request the transmission of the front surface image data in step S123 and receive the front surface image data from the check processing device 10, but the present invention is not limited thereto.
[0064]
For example, upon receiving the MICR reading and check image reading instruction command generated in step S114, the check processing device 10 reads the MICR, transmits the MICR data to the register device 40, and reads the check surface image in step S117. Alternatively, the check surface image data may be transmitted to the register device 40 without receiving the surface image data transmission request from the register device 40 later. That is, the check processing device 10 may be configured to sequentially transmit the MICR data and the check image data.
[0065]
(2nd Embodiment)
FIG. 6 is a functional block diagram of the check processing apparatus 100 according to the second embodiment of the present invention, and FIG. 7 is a flowchart showing a series of check processing using the check processing system 1 of the present embodiment. In the following description, members having the same functions as those in the first embodiment will be denoted by the same reference numerals, and description thereof will be omitted.
[0066]
The check processing device 100 according to the present embodiment is a system that is arranged at a counter of a bank and can execute settlement such as cashing a check. As shown in FIG. 6, the check processing device 100 has a check processing device 110 and a check processing terminal 140 that controls the check processing device 110 as a host computer of the check processing device 110.
[0067]
As shown in FIG. 6, in the check processing system 100 of the present embodiment, a check processing device 110 and a check processing terminal 140 are connected by a communication cable 138. The check processing terminal 140 is connected to the clearing house server 160 via the network 150. In the present embodiment, the network 150 is, for example, an in-house LAN inside a bank, and the settlement institution server 160 is, for example, a server for account management installed in the company.
[0068]
The check processing device 110 of the check processing system 100 according to the present embodiment has a central processing device 136 (hereinafter referred to as a check processing device-side CPU 136), and each member is controlled around the check processing device-side CPU 136. Have been. Specifically, the check processing device 110 includes a MICR reading sensor 30, a front printing unit 25, a back printing unit 23, a check front image information reading sensor 111, a check back image information reading sensor 112, a check transport unit 33, and a check detection unit 34. , Memory 32, and a check processing device side communication control unit 35.
[0069]
The check front surface image information reading sensor 111 and the check back surface image information reading sensor 112 are scanners for scanning the front and back surfaces of the check S and reading images, respectively. In the banking business, the description of the front and back sides of the check S is used, so that both sides are scanned using the check front image information reading sensor 111 and the check back image information reading sensor 112 in order to record and store both. It is configured.
[0070]
Other configurations have the same operation and effects as those described in the first embodiment.
[0071]
Next, the check processing terminal 140 will be described with reference to FIG. The check processing terminal 140 mainly includes a central processing unit 141 (hereinafter, referred to as a check processing terminal-side CPU 141) that controls each member of the check processing terminal 140, an input unit 142, a display unit 147, and a check processing terminal-side communication. A control unit 143, a network communication control unit 44, and a memory 45 are provided.
[0072]
The input unit 142 is for inputting numerical values and the like by bank staff, and is configured by an input interface such as a keyboard and a mouse. The display unit 147 is a display for a bank employee to check the status of the check processing terminal. The check processing terminal-side communication control unit 143 is a control unit for performing data communication with the check processing device 110 via a communication cable 138 such as a USB. Other configurations are the same as those described in the first embodiment.
[0073]
Next, check processing using the check processing system 100 of the present embodiment will be described with reference to FIG. In the check processing according to the present embodiment, the check processing device-side CPU 136 in the check processing device 110 executes the check processing execution program stored in the memory 32, and the register device-side CPU of the check processing terminal 140 uses the memory 45. This is performed by executing a check processing application program stored in the application.
[0074]
First, at the bank counter, when a check is input to the check input terminal 140 in accordance with a request from the customer, the check processing terminal-side CPU 141 of the check processing terminal 140 inserts the customer's check S into the display unit 142. Is displayed (step S211).
[0075]
Here, the following description is based on the premise that a check S in which necessary items such as the amount of money are already described is inserted. If the necessary information such as the amount of money is not described, the necessary information may be printed on the check S using the check processing device 110 as preparation before starting the following processing.
[0076]
The check processing device 110 waits for the insertion of the check S in step S212, and when the check S is inserted, notifies the check processing terminal 140 that the check has been inserted (step S213).
[0077]
When the check processing terminal 140 receives the insertion notification from the check processing device 110, the check processing terminal 140 generates a MICR reading instruction and a check image reading instruction command to instruct to read the MICR printed on the check S and the front and back images of the check S, The information is transmitted to the check processing device 110 (step S214).
[0078]
When receiving the MICR reading and check image reading instruction commands from the check processing terminal 140, the check processing device 110 reads the MICR printed on the front surface of the inserted check S using the MICR reading sensor 30, and reads the read MICR data. Is temporarily stored in the memory 32 (step S215). Then, the check processing device 110 transmits the MICR data temporarily stored in the memory 32 to the check processing terminal 140 in step S216.
[0079]
Further, the check processing device 110 scans the front surface and the back surface of the check S using the check front surface image information reading sensor 111 and the check back surface image information reading sensor 112 continuously from the process of step S216, and outputs the front surface image and the back surface image. The back side image is read, and the read front side image data and back side image data are temporarily stored in the memory 32 (steps S217 and S218).
[0080]
When receiving the MICR data in step S219, the check processing terminal 140 generates an MICR data authentication request to confirm whether the check S presented by the customer is usable, and sends the MICR data authentication request via the network 150 to the payment institution server. 160 (step S220).
[0081]
Upon receiving the MICR data authentication request from the check processing terminal 140 in step S221, the clearing house server 160 checks the MICR data authentication request against the data stored in the clearing house server 160, and transmits the MICR data transmitted from the check processing terminal 140. It is confirmed whether or not is a regular one and whether or not is currently available (step S222). Then, an authentication result notification is created based on the data confirmation result, and the authentication result notification is returned to the check processing terminal 140 (step S223).
[0082]
On the other hand, when the check processing terminal 140 generates the MICR data authentication request in step S220 and transmits the MICR data authentication request to the clearing house server 160 via the network 150, the process proceeds to step S224, and the check S read by the check processing device 110 is processed. An image data transmission request for requesting transmission of the front side image data and the back side image data is generated and transmitted to the check processing device 110 (step S224).
[0083]
When receiving the image data transmission request from the check processing terminal 140 in step S225, the check processing device 110 reads the front surface image data and the back surface image data of the check S stored in the memory 32, and transmits the data to the check processing terminal 140. (Step S226).
[0084]
Then, upon receiving the front side image data and the back side image data from the check processing device 110, the check processing terminal 140 stores the received front side image data and back side image data in the memory 45 in association with the read MICR data (step S227). .
[0085]
Then, the check processing terminal 140 causes the display unit 147 to display the surface image data of the check S, and also displays a message urging the staff at the counter to input the check amount (step S228). The staff at the counter inputs the check amount via the input unit 142 while referring to the surface image data of the check S in response to this message. When the check amount is input (step S229), the check processing terminal 140 stores the input check amount in association with the received front-side image data and back-side image data, and MICR data (step S230).
[0086]
In this embodiment, the check processing terminal 140 receives the surface image data from the check processing device 110 and transmits the MICR authentication request to the payment institution server 160 earlier than receiving the authentication result. It is configured such that the input of the check amount by the banker can be completed. In general, MICR authentication requires a certain amount of time. In the present embodiment, the waiting time is used to transmit the surface image data from the check processing device 10 to the check processing terminal 140 in advance, and to use the wait time at the window. It is configured such that the input of the check amount by the banker can be completed.
[0087]
Thereafter, upon receiving the authentication result from the settlement institution server 160 in step S231, the check processing terminal 140 checks whether the authentication result of the check S is satisfactory (step S232). Here, if there is no problem in the authentication result, a series of check processing is completed (step S233). The final process is a process of, for example, recording the data temporarily stored in step S230 as transaction data in a nonvolatile recording device, or returning the display unit 147 and the memory 45 to the initial state. .
[0088]
On the other hand, if there is a problem with the authentication result, the check processing is all canceled and the processing is terminated (step S234). That is, the data temporarily stored in step S230 is deleted, and the display unit 147 and the memory 45 are returned to the initial state.
[0089]
As described above, the check processing system 100 of the present embodiment includes the check processing device 110 and the check processing terminal 140 as a host computer of the check processing device 110.
[0090]
The check processing device 110 reads the MICR recorded on the check S, reads the MICR data, obtains the MICR data, and scans the front and back surfaces of the check S to obtain the front surface image data and the back surface image data of the check S. A check processing device side communication control unit 35 that performs data communication between the check front surface image information reading sensor 111 and the check back surface image reading sensor 112 to be generated, the check processing terminal 140, and an instruction from the check processing terminal 140. A check processing device-side CPU 136 that controls the MICR reading sensor 30, the check front image information reading sensor 111, and the check back image information reading sensor 112.
[0091]
On the other hand, the check processing terminal 140 as a host computer includes a check processing terminal side communication control unit 143 and a network communication control unit 44 for performing data communication between the check processing device 110 and the clearing house server 160, and a check processing terminal side communication. A check processing terminal-side CPU 141 for controlling the check processing device 110 via the control unit 143.
[0092]
In this embodiment, the check processing device-side CPU 136 transmits the MICR data to the check processing terminal 140 via the check processing device-side communication control unit 35 in order to authenticate the check S, and the check processing terminal 140 Receive data. Then, the check processing terminal-side CPU 141 sends the MICR data received from the check processing device 110 to the clearing house server 160 in order to authenticate the check S, and the check processing terminal-side CPU 141 clears the check S authentication result. Before receiving from the institution server 160, a request for transmission of the front side image data and the back side image data of the check S is made to the check processing device 110. Then, the check processing device-side CPU 136 transmits the check image data to the check processing terminal 140 between the time when the check processing terminal 140 transmits the MICR data via the check processing device-side communication control unit 35 and the time when the authentication result is received. Send.
[0093]
Therefore, according to the check processing system 100 of the present embodiment, the surface image data is transmitted from the check processing device 110 to the check processing terminal 140 in advance by using the waiting time for the MICR authentication. Therefore, by making effective use of the waiting time, it is possible to cause the check processing device 110 to perform the processing to be performed ahead of schedule, thereby shortening the total check processing time. As a result, the time during which the shopper waits during the authentication time is reduced, and business can be performed efficiently.
[0094]
According to the present embodiment, the check processing device 10 includes the front side printing unit 25 and the back side printing unit 23 that print on the check S. Therefore, if it is necessary to perform printing on the check S, it is possible to perform desired printing using the check processing device 10.
[0095]
According to the present embodiment, the check processing terminal 140 receives the surface image data from the check processing device 10 earlier than transmitting the MICR authentication request to the clearing house server 160 and then receiving the authentication result. It is configured such that the input of the check amount by the staff at the counter can be completed. Therefore, by making more effective use of the waiting time, it is possible to cause the check processing device 110 to perform the processing to be performed earlier, thereby shortening the total check processing time. As a result, the time during which the customer waiting at the window of the bank during the authentication time is reduced is reduced, and the business can be performed efficiently.
[0096]
In addition, according to the present embodiment, the check processing terminal 140 is configured to make a request for transmitting the front surface image data in step S224 and receive the front surface image data from the check processing device 110, but the present invention is not limited to this. .
[0097]
For example, upon receiving the MICR reading and check image reading instruction command generated in step S214, the check processing device 110 reads the MICR, transmits the MICR data to the check processing terminal 140, and reads the check back side image in step S218. After that, the front side image data and the back side image data of the check S may be transmitted to the check processing terminal 140 without receiving the front side image data transmission request from the check processing terminal 140. That is, the check processing device 110 may be configured to sequentially transmit the MICR data and the check image data.
[0098]
【The invention's effect】
As described above, according to the check processing system of the present invention, the surface image data is transmitted in advance from the check processing device to the host computer using the waiting time for MICR authentication. Therefore, by making effective use of the waiting time, it is possible to cause the check processing device to perform the processing to be performed ahead of schedule, thereby shortening the total check processing time. As a result, the time during which the customer waits during the authentication time is reduced, and the business can be performed efficiently.
[Brief description of the drawings]
FIG. 1 is a diagram showing a check processing device according to a first embodiment of the present invention.
FIG. 2 is a diagram illustrating a cross section of a check transport path of the check processing device according to the first embodiment of the present invention.
FIG. 3 is a functional block diagram of the check processing system according to the first embodiment of the present invention.
FIG. 4 is a flowchart showing a series of check processing using the check processing system according to the first embodiment of the present invention.
FIG. 5 is a flowchart showing a series of check processing using the check processing system according to the first embodiment of the present invention.
FIG. 6 is a functional block diagram of a check processing system according to a second embodiment of the present invention.
FIG. 7 is a flowchart showing a series of check processing using the check processing system according to the second embodiment of the present invention.
[Explanation of symbols]
1,100 Check processing system
10,110 ・ ・ Check processing device
40 ・ ・ Register device
140-Check processing terminal
50,150 network
60,160 ... Settlement institution server
23 ・ ・ Back side printing part
25 ・ ・ Surface printing
31. ・ Roll paper printing unit
26 .... Check image information reading sensor
30 MICR reading sensor
32 memory
33 ... Check transport section
34 ... Check detector
35 ··· Check processing unit communication control unit
36 ... Check processing unit CPU
42 ・ ・ Touch panel
43 ··· The communication control unit on the register device side
44 .. Network communication control unit
46 ・ ・ Credit card reader
47 Display unit

Claims (14)

A MICR reading sensor that reads MICR recorded on the check and obtains MICR data;
A scanner that scans the check and generates check image data;
A communication control unit for performing data communication with the host computer,
A control unit that controls the MICR reading sensor and the scanner based on an instruction from the host computer,
The control unit transmits the MICR data to the host computer via the communication control unit to perform the check authentication,
Wherein the control unit transmits the check image data to the host computer after transmitting the MICR data to the host computer via the communication control unit and before receiving an authentication result. apparatus. 2. The check processing device according to claim 1, further comprising a head that prints on the check. 3. The check processing apparatus according to claim 1, wherein the control unit sequentially transmits the MICR data and the check image data in response to an MICR reading and a check image reading instruction from the host computer. A communication control unit for performing data communication between the check processing device and an authentication server;
A control unit for controlling the check processing device via the communication control unit,
The control unit obtains MICR data from the MICR recorded on the check,
The control unit transmits the MICR data received from the check processing device to a server to perform authentication of the check,
The host computer of the check processing device, wherein the control unit sends a request for transmission of the image data to the check processing device before receiving the check authentication result from the server. 5. The host computer according to claim 4, wherein the check processing apparatus is instructed to print on the check. The check processing apparatus according to claim 4, wherein the check processing apparatus is instructed to sequentially transmit the MICR data and the check image data. A display unit that displays the check image data received from the check processing device,
An input unit for performing an input by a user, comprising the communication control unit, before receiving the authentication result, receives the check image data from the check processing device,
The said display part displays the said check image data, and enables a user to input the amount of money displayed on the said check image data via the said input part, The claim 4 characterized by the above-mentioned. A host computer for the check processing device according to claim 1. A check processing device that reads the MICR recorded on the check to obtain MICR data, and scans the check to generate image data of the check;
A host computer that receives the MICR data and the image data of the check from the check processing device, and that is communicably connected to a server that performs authentication of the check based on the MICR data;
The check processing system according to claim 1, wherein the host computer requests the check processing device to transmit the image data before receiving the check authentication result from the server. The check processing device, in response to the transmission request of the image data transmitted from the host computer, before the host computer receives the check authentication result from the server, the check image data to the host computer 9. The check processing system according to claim 8, wherein the check is transmitted. 9. The check processing system according to claim 8, further comprising a head that prints on the check. 11. The check processing device according to claim 8, wherein the check processing device sequentially transmits the MICR data and the check image data in response to a MICR reading and a check image reading instruction from the host computer. Check processing system. The host computer includes a display unit that displays the check image data received from the check processing device, and an input unit for performing input by a user,
The host computer, before receiving the authentication result, receives the check image data from the check processing device,
The said display part displays the said check image data, and enables a user to input the amount of money displayed on the said check image data via the said input part, The one of Claims 8-11 characterized by the above-mentioned. The check processing system described in the section. Requesting the check reader to read MICR data from the MICR recorded on the check;
Sending the MICR data to a server for authentication of the check;
Sending a request for transmission of the image data to the check processing device before receiving the authentication result of the check from the server. Causing the computer to request the check reader to read MICR data from the MICR recorded on the check;
Causing a computer to send the MICR data to a server for authentication of the check;
A control program for a host computer for controlling a check reading device, wherein the control program causes a computer to request the check processing device to transmit the image data before receiving a check authentication result from the server.

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