JP2005326945A - 小切手処理方法、プログラムおよび小切手処理装置 - Google Patents
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Abstract
【解決手段】 小切手Cの裏面画像を読み取る裏面画像読み取り工程と、銀行における小切手Cの決済処理が終了したことを示す認証データdを生成する認証データ生成工程と、裏面画像読み取り工程により読み取った裏面画像データg2と、認証データdとを合成した合成画像データg3を生成する合成画像データ生成工程と、合成画像データg3を記憶する合成画像データ記憶工程とを備えたものである。
【選択図】 図6
Description
図1(a)に示すように、小切手C表面には、シリアル番号91および利用者名92が予め印刷されている他、利用日付欄93、支払先店名欄94、支払金額欄95,96、署名欄97がある。また、表面下部には、銀行番号、口座番号、小切手番号が磁気インク文字(Magnetic Ink Character)98で印刷されている。なお、このMIC(磁気インク文字)98で印刷された部分をMICR13(Magnetic Ink Character Recognition Reader;図4参照)で読み取ることにより、小切手Cの有効性が確認できる。
図2に示すように、複合処理装置1はU字状の送り経路Pに臨んで、小切手Cの画像を読み取る画像読取部100(図3も参照)と、小切手Cに印刷された磁気インク文字を読み取る磁気データ読取部110(図3も参照)と、小切手Cに認証データの印刷を行う印刷部120とを有すると共に、送り経路Pに沿って小切手Cを送る送り機構20(図3参照)とを有している。
複合処理装置1は、小切手Cの画像を読み取る画像読取部(画像読み取り手段)100と、小切手Cに記載されたMIC(磁気インク文字)を読み取る磁気データ読取部(磁気インク文字読み取り手段)110と、小切手Cの裏面に印刷を行う印刷部(印刷手段)120と、小切手Cの先端および後端を検出する検出部と、各部を駆動する駆動部140と、各部と接続され、複合処理装置1全体を制御する制御部200とによって構成されている。
また、駆動部140は、第1送りローラ6、第2送りローラ7および排出ローラ8(送り機構20)と、これら複数の送りローラ6,7,8のうち、駆動ローラ6a、7a、8aを回転駆動するモータ40とを備え、小切手Cの送りを制御する。
複合処理装置1は、小切手裏面画像データブロック243に記憶した、小切手Cの裏面画像データg2の銀行処理欄C2上に認証データdを貼り付けることにより、合成画像データg3を生成する(同図(a)参照)。これにより、同図(b)に示す、実際に認証データdが印刷された小切手Cの裏面画像と同等な合成画像データg3を生成することができる。
11 裏側スキャナ 12 表側スキャナ
13 MICR 14 印刷ヘッド
C 小切手 C1 裏書欄
C2 銀行処理欄 d 認証データ
P 送り経路
g1 小切手表面画像データ
g2 小切手裏面画像データ
g3 合成画像データ
243 小切手裏面画像データブロック
244 磁気データブロック
245 認証データブロック
246 合成画像データブロック
Claims (8)
- 小切手の裏面画像を読み取る裏面画像読み取り工程と、
銀行における前記小切手の決済処理が終了したことを示す認証データを生成する認証データ生成工程と、
前記裏面画像読み取り工程により読み取った裏面画像データと、前記認証データとを合成した合成画像データを生成する合成画像データ生成工程と、
前記合成画像データを記憶する合成画像データ記憶工程と、を備えたことを特徴とする小切手処理方法。 - 前記裏面画像読み取り工程後に、前記認証データを前記小切手裏面に印刷する印刷工程をさらに備えたことを特徴とする請求項1に記載の小切手処理方法。
- 前記合成画像データ生成工程は、前記裏面画像データの一部に前記認証データを貼り付けることにより前記合成画像データを生成することを特徴とする請求項1または2に記載の小切手処理方法。
- 前記裏面画像は、前記小切手が利用された店舗において、その利用を証明すると共に当該店舗の取引口座に関する情報が印刷される領域である、裏書領域を有しており、前記合成画像データ生成工程は、当該裏書領域を除いた領域に、前記認証データを貼り付けることにより前記合成画像データを生成することを特徴とする請求項3に記載の小切手処理方法。
- コンピュータに、請求項1ないし4のいずれか1項に記載の小切手処理方法における各工程を実行させるためのプログラム。
- 挿入口から挿入した小切手を排出口に向かって送る送り経路と、
前記送り経路に沿って前記小切手を送る送り手段と、
前記送り経路に臨み、送られてゆく前記小切手の裏面画像を読み取る裏面画像読取り手段と、
銀行における前記小切手の決済処理が終了したことを示す認証データを生成する認証データ生成手段と、
前記裏面画像読み取り手段により読み取った裏面画像データと、前記認証データとを合成した合成画像データを生成する合成画像データ生成手段と、
前記合成画像データを記憶する合成画像データ記憶手段と、を備えたことを特徴とする小切手処理装置。 - 前記送り経路における、前記裏面画像読み取り手段の送り方向下流側に、前記認証データを前記小切手裏面に印刷する印刷手段をさらに備えたことを特徴とする請求項6に記載の小切手処理装置。
- 前記送り経路における、前記印刷手段の送り方向上流側に位置し、前記小切手に予め印刷された磁気インク文字を読み取る磁気インク文字読取り手段と、
前記磁気インク文字読取り手段による読み取り結果に基づいて、前記小切手が有効であるか否かを判別する判別手段をさらに備え、
前記認証データ生成手段は、前記判別手段により前記小切手が有効であると判別された場合に、前記認証データを生成することを特徴とする請求項7に記載の小切手処理装置。
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JP2004142340A JP4691900B2 (ja) | 2004-05-12 | 2004-05-12 | 小切手処理方法、プログラムおよび小切手処理装置 |
US11/116,593 US7219831B2 (en) | 2004-05-12 | 2005-04-28 | Check processing method, check processing program medium, and check processing apparatus |
US11/746,973 US7810714B2 (en) | 2004-05-12 | 2007-05-10 | Check processing method, check processing program medium, and check processing apparatus |
US12/824,715 US7997478B2 (en) | 2004-05-12 | 2010-06-28 | Check processing method, check processing program medium, and check processing apparatus |
US13/175,195 US8469263B2 (en) | 2004-05-12 | 2011-07-01 | Check processing method, check processing program medium, and check processing apparatus |
US13/900,934 US8960538B2 (en) | 2004-05-12 | 2013-05-23 | Check processing method, check processing program medium, and check processing apparatus |
US14/596,913 US9070163B2 (en) | 2004-05-12 | 2015-01-14 | Check processing method, check processing program medium, and check processing apparatus |
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US8960538B2 (en) | 2015-02-24 |
JP4691900B2 (ja) | 2011-06-01 |
US9070163B2 (en) | 2015-06-30 |
US8469263B2 (en) | 2013-06-25 |
US20110259956A1 (en) | 2011-10-27 |
US20100258622A1 (en) | 2010-10-14 |
US20130251236A1 (en) | 2013-09-26 |
US7219831B2 (en) | 2007-05-22 |
US7997478B2 (en) | 2011-08-16 |
US20050252960A1 (en) | 2005-11-17 |
US20150122882A1 (en) | 2015-05-07 |
US7810714B2 (en) | 2010-10-12 |
US20070205264A1 (en) | 2007-09-06 |
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