JP2012053589A - Securities processing device, securities processing system and securities processing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a securities processing device, a securities processing system and a securities processing method capable of improving performance in securities reception management and reducing labor in depositing operation as an automatic machine as much as possible.SOLUTION: A check depositing machine 1 includes a card reading part 23 for letting a user input user information which identifies the user, a slot 10 for performing reception processing of a check C to be transacted, an identification part 11 for identifying identification information of the check C, a main control part 20 for determining settlement information of the check C, a camera 15 for acquiring a check image of at least one face of the check C, check receiving safes 3A, 3B, 4A-4C for storing the check C, and a RAM 22 for combining the user information and the storage location information of the check C with the check image data and store it.

Description

  The present invention relates to a securities processing apparatus that accepts and processes securities such as checks and gift certificates, and more particularly to a securities processing apparatus, a securities processing system, and a securities processing method for settlement of securities.

  2. Description of the Related Art In recent years, in the distribution industry such as department stores and retail stores, sales deposit machines for depositing and managing sales in stores are being installed from the viewpoint of improving sales management efficiency and preventing crimes against cash management.

  This sales deposit machine is a terminal for depositing banknotes received by cashiers from customers, but depending on the store, not only banknotes but also securities such as checks and gift certificates may be received as payment. There is a market demand for making it possible to handle checks and gift certificates as well as banknotes on the same terminal.

  For example, for a check processing device, when a check is deposited into a dedicated reading device, the image of the check and magnetic ink characters are read, and according to the read result, the check sorting operation is executed inside the device. . When the check payment process ends, authentication data indicating that the check payment process has been completed is printed on the back of the check as a void (VOID) process, and the transaction between the bank and the customer or store is in doubt In preparation, the print portion of the authentication data, which is the front image of the check and the back image of the check, is read, and the read image data is stored as evidence.

  For this reason, the check processing apparatus includes a print head for printing authentication data in addition to a sensor for reading the magnetic ink character of the check and a scanner for reading the image of the check.

  Checks received based on the magnetic ink characters and image reading results applied to such checks are distributed to a desired transport destination by a flapper. Further, when the magnetic ink character and image reading result is normal with the printing mechanism arranged at the sorted transport destination, the check is endured by the printing mechanism. At this time, there has been proposed a check reading device that performs control so that a check is not lined by a printing mechanism when a reading result of a check obtained by reading a magnetic ink character or image is unreadable or defective. (For example, refer to Patent Document 1).

JP 2008-102661 A

  According to Patent Document 1, invalidation processing accompanying check settlement processing is executed by endorsing with a printing mechanism, but the check reading apparatus becomes complicated because of the printing mechanism. In addition, when a bill payment apparatus is used in common, a printing mechanism that is not required at the time of depositing a bank note is mounted, so that the control becomes complicated and there is a concern about an increase in the number of parts.

  Although only normal checks are processed based on the reading results of magnetic ink characters and images, if the checks are damaged or dirty in the distribution process, they are returned due to poor reading despite being true checks. May end up. In the check deposit machine application for the distribution industry, even a dirty check is a check once received from a customer as a clerk's standpoint, and it is necessary to perform deposit processing, but for returned check another means, For example, it is unavoidable to deal with envelope deposits and the like, which takes time and is complicated.

  For this reason, instead of reading the check image on which the endorsement is printed as evidence, save the back image of the check before check processing and the authentication data for data management. Can be considered.

  In this case, the printing mechanism can be omitted by performing the check endorsing on the data. However, a check that has been processed but cannot be printed cannot be judged at first glance. In particular, the check processing device is a device for manned machines on the premise of processing by an attendant, and handling of the check processed by these devices depends on the processing of the attendant.

  However, in the application of a check deposit machine based on the unmanned machine, it is necessary to clarify where the processed check is stored and managed among a plurality of predetermined locations inside the apparatus. The generation of the authentication data is executed when the payment is officially completed, and if it is not completed, the acceptance is rejected. For example, when a magnetic ink character reading failure occurs or the network is temporarily interrupted, authentication data is not generated, and the check processing is incomplete and is returned.

  Accordingly, an object of the present invention is to provide a securities processing apparatus, a securities processing system, and a securities processing method capable of improving the acceptance management performance of securities and reducing the labor of depositing work as an automatic machine as much as possible. To do.

  The present invention provides an input unit for inputting user information for specifying a user, an acceptance port for accepting a transactional securities, an identification unit for identifying identification information of the securities, and settlement of the securities Discrimination unit for discriminating information, image data acquisition means for acquiring securities image data of at least one side of the securities, storage unit for storing the securities, and securities image data acquired by the image data acquisition means And a storage unit that combines and stores the user information and the location information where the securities are stored in the storage unit.

  According to the present invention, it is possible to provide a securities processing apparatus, a securities processing system, and a securities processing method capable of improving the receipt management performance of securities and reducing the labor of depositing work as an automatic machine as much as possible. .

1 is an external perspective view of a check deposit machine according to Embodiment 1. FIG. The schematic block diagram which shows the internal structure of the check deposit machine of Example 1. FIG. The control block diagram which shows the control part of the check deposit machine of Example 1. FIG. The display figure which shows the money_receiving | payment reception screen displayed on the display operation part of Example 1. FIG. FIG. 6 is a display diagram illustrating a selection screen displayed on the display operation unit according to the first embodiment. The display figure which shows the money_receiving | payment start screen displayed on the display operation part of Example 1. FIG. BRIEF DESCRIPTION OF THE DRAWINGS Schematic explanatory drawing of the check processing system which shows the state which connected the check deposit machine of Example 1 and the high-order apparatus by communication. The display figure which shows an example of the detailed screen of the returned check displayed on the display operation part of Example 1. FIG. 5 is a flowchart showing a processing operation when deposit acceptance is started according to the first embodiment. 5 is a flowchart showing a deposit processing operation in an identification acceptance mode in which regular deposit is performed according to the first embodiment. 5 is a flowchart showing a deposit processing operation in a forced deposit mode according to the first embodiment. 6 is a flowchart illustrating a procedure for generating composite image data according to the first exemplary embodiment. The display figure which showed the composite image data of the check which the payment of Example 1 completed. 6 is a flowchart illustrating a procedure for generating composite image data according to the first exemplary embodiment. The display figure which showed the composite image data of the check pending | holding of Example 1. FIG. The display figure which shows the display screen of the check displayed on the high-order apparatus of Example 1. FIG. BRIEF DESCRIPTION OF THE DRAWINGS Schematic explanatory drawing of the check classification processing system which shows the state which connected the check processing apparatus of Example 1 and the high-order apparatus by communication. 9 is a flowchart showing a deposit processing operation in a common deposit mode according to the second embodiment. FIG. 6 is a schematic configuration diagram using a POS system according to a second embodiment. The control block diagram which shows the control part of the check deposit machine provided with the cash exchange function in Example 3. FIG.

  An embodiment of the present invention will be described below with reference to the drawings.

  FIG. 1 is a view showing the appearance of a check deposit machine 1, which is installed in a backyard of a store such as a department store or a retail store. A store clerk (hereinafter referred to as a user) who uses the check deposit machine 1 confirms information related to deposit displayed on the display operation unit 24 and performs operations necessary for deposit transactions of the check deposit machine 1. This is done by touching the display screen. The check depositing machine 1 includes a check processing unit 2, and a check input port 10, a check return port 12, and a card insertion port 18 are provided on the upper front surface.

  FIG. 2 shows the internal structure of the check deposit machine 1. The check depositing machine 1 handles the feeding, transporting, storing, and the like of the check C by a check processing unit 2 mounted inside. The check processing unit 2 includes a slot 10, an identification unit 11, a return port 12, a sorting gate 13, forced-in safes 3A and 3B, and fixed-in safes 4A to 4C.

  The slot 10 is provided as a receiving port for receiving a check to be traded. Normally, it is closed by a shutter and is opened and closed at the time of deposit transaction.

  The identification unit 11 is provided on a check conveyance path communicating with the inside of the insertion port 10. The identification unit 11 includes a number detection sensor 14 that detects the number of checks C, a character reading sensor 16 that reads magnetic ink characters of the check C, a camera 15 that captures an image of the check C, and the like. Whether the check C is normal or abnormal is identified, and the current use state of the check is taken in as identification information by the sensors 14 and 16 and the camera 15 when the check C is conveyed. The identification information captured here is transmitted to the main control unit 20 described later. In the main control unit 20, if it is a normal identification result, the check is subsequently authenticated and utilized in the operation of the check depositing machine 1 by a predetermined method.

  It should be noted that character information recorded magnetically and optically from image data may be identified in the identification unit 11. As character information, not only a magnetic ink character reader (MICR) and an optical character reader (OCR) but also a symbol such as a bar code can be used as unique information. This makes it more effective in data management by recognizing not only the image but also the unique information of the check.

  The return port 12 is provided in the vicinity of the insertion port 10 and returns a check identified as a check that cannot be identified by the identification unit 11.

  The check processing unit 2 includes an insertion port 10, an identification unit 11, and a return port 12 in the upper part, and is handled as a handling processing unit in which a user deposits a check. Further, forced safes 3A and 3B and fixed safes 4A to 4C are provided at the lower part, and are provided as storage processing units for storing received checks. Further, a sorting gate 13 for check sorting is disposed in the transfer path switching portion.

  If the accepted check C is rejected as an abnormal ticket when the received check C is identified by the identification unit 11, the forced check-in safe 3A or 3B is forced to leave the check unconfirmed regardless of the identification result of the identification unit 11. Used when storing.

  In this case, both forced safes 3A and 3B are both used as abnormal ticket storage units, and one of the forced forced safes 3A is used as the abnormal ticket as a check that is identified as an abnormal ticket by the identification unit 11. This is a dedicated safe for identification abnormal tickets stored in the safe 3A.

  In addition, the forced entry safe 3B on the other side is forced into the other side with an unauthenticated check that is determined to be unusable when the check processing server 79 (see FIG. 7), which will be described later, is inquired about authentication. This is a dedicated safe for authentication abnormal tickets stored in the safe 3B.

  The confirmed safes 4A to 4C are used as a normal ticket storage unit, and store a check that is determined to be a normal check based on an identification result of the identification unit 11 and an authentication result of a main control unit 20 described later. Used.

  Note that the check processing unit 2 can be configured to omit the temporary holding unit in the operation for processing only for depositing, and the check depositing machine 1 can be simplified. In such a configuration, the temporary storage unit is not configured, but if necessary, one of the confirmed safes 4A to 4C can be used as a temporary storage unit, or a separate temporary storage unit can be used. May be installed.

  FIG. 3 is a block diagram showing a control configuration of the check deposit machine 1. In this block diagram, reference numeral 20 denotes a main control unit that controls each part of the check deposit machine 1. Reference numeral 21 denotes a ROM that records an operation program of the main control unit 20, and 22 denotes a RAM that records control data that the main control unit 20 controls each unit in a readable and writable manner.

  As described above, the check processing unit 2 has an input port for detecting the presence or absence of the check C in addition to the identification unit 11, the sorting gate 13, the forced safes 3A and 3B, and the final safes 4A to 4C. A detection sensor 17 is mounted. Thereby, it can be detected that a check has been inserted into the insertion slot 10 at the start of use, and when there are a plurality of checks in the insertion slot 10, it is possible to detect the remaining state of the check taken one by one.

  Furthermore, a card reading unit 23 is provided inwardly communicating with the card insertion slot 18 of the check deposit machine 1. The card reading unit 23 reads the card information that records the ID number, the account number, and the like recorded on the ID card inserted when the user deposits money.

  In addition, a display operation unit 24 is provided at the top of the check deposit machine 1. The display operation unit 24 has a display function for displaying information necessary for the user and a touch input function, displays information necessary for the user to perform a deposit operation, and touches an operation necessary for the deposit operation. It has both a display function and an input function that are used for input. In addition, a communication unit 25 that transmits and receives information to and from a host device 71 (see FIG. 7) described later is provided.

  26 is an information storage unit composed of a RAM, and authentication management for managing check image information 27, status information for each check based on an identification result and an authentication result in a settlement processing server 79 described later in a predetermined area. Information 28 is stored.

  The main control unit 20 stores related information associating user information for identifying a user and check storage location information as location information for storing and managing the check C received from the slot 10 during the check receiving process. And has a control function for sorting and storing the checks C in any of the safes 3A, 3B, 4A-4C inside the apparatus.

  Here, as the user information, an ID card for identifying the user himself / herself is inserted into the card insertion slot 18 and read by the card reader 23, whereby the user himself / herself can be identified from the ID card. At this time, when the date information and the information specifying the user are added as user information, the user can be specified more accurately and without error. In addition to date information and ID information, information such as time and account number may be used. In this case, even the same user can be managed by dividing it into a plurality of transactions. In addition to this, necessary information for identifying the user himself / herself may be input by the display operation unit 24.

  Further, regarding a check that has been thrown in, it is confirmed by the detection signal of the slot detection sensor 17 that the check has been accepted. In addition, the identification unit 11 identifies the state of the accepted check one by one based on the identification result information of the check ticket type and number. Further, if it is the check ticket type identified at this time, for example, a fixed amount check, the value information can be determined together. Also, authentication information can be obtained by communicating with a host device 71 described later.

  In particular, a check image data of at least one side of the front and back sides of the check is acquired by the camera 15, and user information and storage location information in which the check is stored are combined and stored in the acquired check image data. Have.

  This composite information is obtained by synthesizing user information and storage location information in accordance with a program stored in the ROM 21 and storing it in the RAM 22 as electronic data. It becomes possible to manage.

  Here, the storage location information of the check specifies the location of the safe when the check is stored in the forced safe 3A, 3B or the final safe 4A-4C, and is also stored in the safe. Accurately identify and manage the number of sheets.

  By having such a deposit function, it is possible to secure a transaction history at the time of receipt of a check and distribute and store the check C in the forced deposit safes 3A and 3B or the confirmed deposit safes 4A to 4C inside the apparatus. For this reason, each check can be stored in the apparatus with a history remaining.

  With the above configuration, there is no need to endorse each check with a printing mechanism to indicate that it has been processed, and the processing mechanism is not required as a processing device, simplifying the configuration. it can. Furthermore, since the processed checks are stored in the forced deposit safes 3A and 3B or the confirmed deposit safes 4A to 4C, there is no mixing with unprocessed checks. When it is necessary to check a processed check, the location becomes clear from the storage location information, so that it can be easily checked. In addition, from the identification information, it is possible to confirm whether or not the apparatus has recognized the check without error.

  Further, during the check acceptance process, the main control unit 20 stores the check accepted as a normal ticket based on the identification result of the identification unit 11 in the final safe 4A to 4C and rejected the check as an abnormal ticket. Is provided in the forced entry safes 3A and 3B regardless of the identification result of the identification unit 11 or the discrimination result indicating whether authentication is possible, and is associated with the RAM 22. In addition, a control function for controlling to either one of the forced storage mode for storing related information is provided.

  When the identification unit 11 accepts a check and identifies it, the identification acceptance mode is a normal deposit process in which it is accepted that the check is properly read and is confirmed and returned if there is an abnormal check. (Hereinafter referred to as normal deposit mode).

  The forced storage mode is a mode in which a forced storage processing operation is performed in which the received check is stored in the apparatus regardless of the identification result of the identification unit 11.

  The main control unit 20 has the above-described two mode selection functions, so that a normal check is permitted to be accepted and stored in the final safes 4A to 4C. At this time, assuming that a check damaged in the distribution process is mixed, in the case of the normal deposit mode, the identification unit 11 misidentifies it as an abnormal check and returns it. However, the returned check can be forcibly stored again in the forced storage mode. As a result, the returned check can be securely stored inside the apparatus, and all the checks can be safely managed inside the apparatus.

  Therefore, for example, it is not necessary to rely on another operation procedure such as an envelope deposit method, and the transaction operation procedure is simplified. In addition, the returned unconfirmed checks can be stored in the forced safes 3A and 3B, so that they can be stored separately from the normal bills, and normal checks and abnormal checks are prevented from being mixed when checking checks. can do.

  Further, it is possible to instruct the input of the type and number of checks forcibly stored using the display operation unit 24 as user input means. That is, at the time of re-acceptance of the returned check, it is also possible to store as input a part of the user information by designating and inputting which ticket type and how many of the returned checks. It should be noted that it is preferable that the display operation unit 24 can be collated by inputting the number of deposits and the ticket type at the time of deposit in the normal deposit mode.

  Further, when there is a check returned in the normal deposit mode, the main control unit 20 uses whether to execute the normal deposit mode or the forced storage mode when re-accepting the returned check. It has a function as a selection means which enables selection by a person.

  By providing this selection means, it is possible for the user to select whether or not to forcibly store the abnormal ticket in the apparatus with respect to the abnormal ticket that is determined to be abnormal and returned.

  FIG. 4 shows a deposit acceptance screen 41 for guiding the deposit by the display operation unit 24. The deposit acceptance screen 41 displays a deposit acceptance button 42, and when the deposit acceptance button 42 is pressed, a deposit transaction is executed in the normal deposit mode.

  FIG. 5 shows a selection input screen 51 for allowing the display operation unit 24 to selectively input a transaction mode. When the selection input screen 51 executes a normal deposit mode in which the transaction is started on the deposit acceptance screen 41, when there is a check returned because it is an abnormal ticket, at the time of re-acceptance of the returned check, The screen shows that the user can select whether to execute the normal deposit mode or the forced storage mode.

  Reference numeral 52 denotes a normal deposit button, which is pressed when the normal deposit mode is selected. In this normal deposit mode, after checking whether the deposited check C is normal or not, the validity is confirmed to the settlement processing server 79 (see FIG. 7) via the network, and the deposit process is performed only when it is valid. Done. A forced deposit button 53 is pressed when the forced deposit mode is selected for a check returned as a result of normal deposit.

  FIG. 6 shows a deposit start screen 61 after the normal deposit mode is selected on the display operation unit 24.

  Reference numeral 62 denotes a start / end button which is pressed when the depositing process is started or ended after the check C is loaded in the insertion slot 10. 63 is a display input area, which is a display area for displaying the type, number, and total amount of checks that are deposited in the normal deposit mode, and using the type, number, and total amount of checks that are forcibly deposited in the forced deposit mode. It has a display input function to be an input area for input by a person. Even in the normal payment mode, the user may be allowed to input payment information such as the ticket type and the number of sheets to increase the related information with the user, thereby further increasing the verification information.

  Further, the user can display in detail the identification information of the check acquired when the deposited check C passes through the identification unit 11 by using the detail button 64.

  FIG. 7 shows an example of a check processing system configured by connecting the check deposit machine 1 and the host device 71 described above. The host device 71 connected to the check deposit machine 1 is provided with a control unit 72 that acquires information that associates identification information, discrimination information, storage location information, and user information. The control unit 72 is connected to the communication unit 25 of the check deposit machine 1 described above via the communication unit 73, controls transaction data in accordance with a program stored in the ROM 74, and reads the control data in the RAM 75. I remember it.

  Furthermore, a display unit 76 that displays the check image data of the check managed by the control unit 72 and allows the administrator to visually check it, and an administrator input unit 77 that allows input of instruction information by the administrator are provided.

  The host device 71 can be constituted by a personal computer including a display unit 76 that displays a check image on a liquid crystal display and an administrator input unit 77 such as a keyboard.

  The host device 71 is connected to the check deposit machine 1 by wire or wireless to create authentication data. The host device 71 is connected to a payment processing server 79 for authenticating the validity of the check C via a network 78 such as the Internet. The host device 71 receives the check data read by the character reading sensor 16 of the check depositing machine 1 from the check depositing machine 1 and transmits it to the settlement processing server 79. Based on the response of the settlement processing server 79, the host device 71 recognizes the check C and determines whether the check C is valid.

  The discrimination result at the time of authentication is used as discrimination information, and is obtained together with the discrimination result in order to check the validity of the accepted check.

  Further, the host device 71 is connected for communication so that a large number of check deposit machines 1 can be remotely monitored. From the host device 71 side, the administrator can arbitrarily perform a check on the check deposit machine 1 at a remote position. It is like that.

  Then, check payment request information is transmitted from the check deposit machine 1 to the host device 71, transmitted from the host device 71 to the settlement processing server 79, and the host device 71 receives the settlement response from the settlement processing server 79. Based on this, the check depositing machine 1 obtains the validity of the check and the determination result of whether or not the settlement processing is completed. Further, the main control unit 20 is provided with a transaction function for permitting a withdrawal amount corresponding to the amount information of the check when it is determined that the check settlement process is completed. Thereby, for example, the amount of money exchanged from the check is withdrawn, or the amount of money to be added is added to the corresponding account.

  As described above, the host device 71 acquires check validity information from the payment processing server 79 based on the information acquired from the RAM 22 of the check deposit machine 1, and the check unit 76 visually checks the check information. The administrator input unit 77 can be used to input instruction information instructed by the administrator.

  With the above-described configuration, the check image data is intuitive and easy to understand for the administrator, and becomes transaction history information. In addition, the manager does not check the check in the storage unit at the time of scrutiny, but based on the check ticket type and number identification result on the check image data, pay attention to only items that could not be identified In this way, it is possible to scrutinize the check deposit machine 1 accurately and easily without being directly involved.

  For this reason, since the efficiency of the confirmation work is high and the operation of the image data subject can be realized, it is possible to realize the scrutiny work for a plurality of devices from a remote facility such as a central management center.

  Further, since all can be managed on the image data, the administrator can identify from the host device 71 and can instruct necessary information. In addition, checks with unknown identification can be processed efficiently because they can be analyzed clearly on the image without relying on manual work.

  In particular, a check stored as an abnormal ticket in the check deposit machine 1 can be visually checked by an administrator so that a check that cannot be handled as a non-identifiable check by a conventional device, such as a damaged check, can be handled as a normal check. It becomes possible, and the convenience on check operation can be remarkably improved.

FIG. 8 shows an example of a check detail screen 81 displayed when the detail button 64 is pressed in the normal deposit mode.
The check detail screen 81 includes a front and back image 82 of the check acquired by the identification unit 11, a magnetic ink character enlarged image 83 obtained by cutting out only the magnetic ink character portion from the check image, and a character of the identification unit 11 from the magnetic ink character enlarged image 83. The magnetic ink character recognition result 84 recognized by the reading sensor 16, the identification result 85 for determining whether or not the check is normal, and the payment processing information 86 indicating whether or not the payment processing has ended normally by the payment processing server 79 are displayed. To do.

  The magnetic ink character enlarged image 83 and the magnetic ink character recognition result 84 are displayed side by side so that they can be easily compared. Thereby, the user can visually confirm that the magnetic ink character is recognized without error for the check deposited by the user. In addition, even if the magnetic ink characters are not recognized because they are contaminated, the identification result 85 and the settlement processing information 86 are displayed to clarify the cause of the failure, particularly during forced payment. It is possible to understand at a glance which check is completed up to which processing. 87 is an item switching button, and 88 is a check switching button.

  If displayed in this way, the user can check all the traded images on the spot. Moreover, since the user can grasp | ascertain at a glance also at the time of compulsory payment, this user's persuasiveness can be acquired. That is, it has a function that allows the user to clearly check the return check data that is forcibly stored when the forced deposit mode is selected.

FIG. 9 to FIG. 12 are flowcharts showing an acceptance processing procedure when depositing a check, and each step is processing executed by the main control unit 20.
FIG. 9 is a flowchart at the start of deposit acceptance. Normally, the check deposit machine 1 has a deposit acceptance screen 41 displayed on the display operation unit 24 as shown in FIG. And it waits for the receipt button 42 of the receipt screen 41 (step S1) to be pushed. When the deposit acceptance button 42 is pressed by the user (step S2), the deposit acceptance is started, and the check inserted into the insertion slot 10 is taken into the insertion slot 10 and identified by the identification unit 11. (Step S3).

  At this time, if there is an unidentifiable check (step S4), the unidentified check is returned to the return port 12 (step S5). When there is a returned check, a screen for re-acceptance is displayed on the display operation unit 24 (see FIG. 5). Then, the user selects the normal deposit mode or the forced deposit mode (step S6). When the normal deposit mode is selected, the processes after step S3 are executed (steps S3 to S6).

  On the other hand, when the forced deposit mode is selected, the returned check is forcibly deposited and all checks are taken. Thereby, one payment transaction is completed. If there is no unidentifiable check when the identification unit 11 identifies in step S4 (step S4: NO), it is determined that all are normal checks and the transaction ends. In addition, if neither the normal deposit mode nor the forced deposit mode is selected even if a predetermined time has elapsed in Step S7 and Step S8: NO, it is determined that the deposit processing of the return check is stopped and the transaction is terminated (Step S7). : NO, step S8: NO).

FIG. 10 is a flowchart showing the deposit processing procedure in the normal deposit mode.
When the user selects the normal deposit button 52 and then inserts the check C into the slot 10 and presses the start / end button 62, the main control unit 20 checks the slot 10 according to the detection output of the slot detection sensor 17. It is determined that there is C and there is an instruction for depositing the check C (step S11: YES), and the check C is conveyed to the identification unit 11 (step S12). The identification unit 11 identifies check data such as the number of checks C, bill type, and magnetic ink characters (step S13).

  In addition, the identification unit 11 acquires a double-sided image of the entire front and back of the check C using the camera 15 (step S14). The main control unit 20 confirms whether or not the check C is identified as normal by the identification unit 11 (step S15). If it is identified as normal (step S15: YES), the check data acquired by the identification unit 11 is It is transmitted from the host device 71 to the settlement processing server 79 via the Internet, and the validity of the check C is determined (step S16).

  If it is determined that the check C is valid (step S16: YES), the check C is transported from the identifying unit 11 to the fixed insertion safes 4A to 4C (step S17). After the conveyance, it is determined whether or not there is a check C in the insertion slot 10 (step S18). If there is still a check C in the insertion slot 10 (step S18: NO), the processing after step S12 described above is executed. .

  On the other hand, if the check unit 11 identifies that the check C is abnormal in step S15 (step S15: NO), the check C is conveyed from the identification unit 11 to the return port 12 and returned (step S19).

  The check C identified as abnormal by the identification unit 11 is a check that does not satisfy at least one item among the plurality of determination items. For example, a check or true check of a ticket type that cannot be handled by the check deposit machine 1, but because it is damaged such as wrinkled or dirty, magnetic ink characters are recognized. Checks that could not be made are also included.

  If it is not determined in step S16 that the check C is valid (step S16: NO), the check C is similarly conveyed from the identification unit 11 to the return port 12 and returned (step S19). Note that the case where the check C is not determined to be valid includes a case where a communication failure occurs, for example, when the check C cannot be communicated.

  When the check C is returned to the return slot 12 (step S19), the main control unit 20 determines whether or not all the checks C in the insertion slot 10 are gone (step S20), and if there is still a check C in the insertion slot 10. (Step S20: NO), the processing after Step S12 is executed.

  On the other hand, when all the checks C in the insertion slot 10 are exhausted (step S18: YES, step S20: YES), the payout is terminated and the ticket type, the number of sheets and the total amount of the check C are displayed in the display input area 63.

  The user may insert the check C conveyed to the return port 12 into the input port 10 again and press the start / end button 62 again. For the check C returned to the return port 12 no matter how many times the deposit process is performed in the normal deposit mode, the deposit process is performed in the forced deposit mode shown in FIG.

FIG. 11 is a flowchart showing a deposit processing procedure in the forced deposit mode.
After selecting the forced deposit button 53, the user inputs the ticket type information and the number information to be deposited by forced deposit in the display input area 63 (step S21), and inserts the check C into the insertion slot 10 to start / end When the button 62 is pressed, the main control unit 20 determines that there is a check C in the insertion slot 10 and that there is an instruction for depositing the check C based on the detection output of the insertion slot detection sensor 17 (step S21: YES). Is transferred from the insertion port 10 to the identification unit 11 (step S22).

  The identification unit 11 identifies check data such as the number of checks, the type of ticket, and magnetic ink characters by the number detection sensor 14 and the character reading sensor 16 (step S23). In addition, the identification unit 11 acquires front and back images of the check C using the camera 15 (step S24).

  Thereafter, in step S25, the main control unit 20 determines whether or not the check is normally fed out from the insertion slot 10. If it is determined that it is not in a normal feeding state, such as in the case of a large skew state that affects the two-sheet removal or the identification performance (step S25: NO), the check C is conveyed to the return port 12 (step S27). On the other hand, if it is determined that the payout state is normal (step S25: YES), the main control unit 20 confirms whether or not the check C is identified as normal by the identification unit 11 (step S26), and is normal. Is identified (step S26: YES), the check C is forcibly stored in the forced safe 3B (step S29).

  If the check unit 11 identifies that the check C is abnormal (step S26: NO), the check C is forcibly stored in the forced insertion safe 3A (step S28).

  After the check C is transported to the return slot 12, the fixed deposit boxes 4A to 4C, or the forced deposit boxes 3A and 3B, it is determined whether or not all the checks C in the slot 10 are gone (step S30). If the check C still remains at 10 (step S30: NO), the processing after step S22 described above is executed.

  On the other hand, when all the checks C in the insertion slot 10 are exhausted (step S30: YES), the forced deposit is terminated. The user may insert the check C conveyed to the return port 12 into the input port 10 again and press the start / end button 62 again to perform reprocessing.

  According to the above procedure, all checks can be temporarily reserved in the check deposit machine 1 regardless of incomplete payment processing due to poor reading of magnetic ink characters or inconvenience of communication status, etc. In addition, since the forced deposit can be performed with the same apparatus as the normal deposit process, the operation procedure is not complicated.

  Also, for the device manager, at least the number of banknotes in the forced safe is fixed, and the device manager reads the bill type and magnetic ink characters from the image data and determines the processing status at the settlement processing server. It is only necessary to focus and scrutinize it, and management effort can be reduced. In addition, it is possible to scrutinize checks more efficiently by distinguishing between checks that are not normal at the time of identification and checks that are not normal at the time of payment processing and are classified according to safe deposits.

  Furthermore, even if the communication state between the check deposit machine 1 and the settlement processing server 79 for settlement is interrupted, it is returned due to a communication error by storing it in the forced deposit safe 3A, 3B separately from the normal ticket. The checked check can be taken into the apparatus without being brought back by the user.

FIG. 12 shows a flowchart of the invalidation processing procedure on the data executed after the normal deposit mode is finished.
In this invalidation processing procedure, after depositing is completed, the entire front and back images of the check are acquired by the camera 15 built in the identification unit 11. The acquired check image includes the user ID number, the user number of the check deposit machine 1 used, the user information such as the date, the recognition result of the magnetic ink character as the identification data by the identification unit 11, and the settlement process. The server 79 combines the authentication data indicating that the payment has been completed and the location information of the safe deposit in which the read check is stored, and generates composite image data for each check (step S31).

  Next, tampering prevention processing is added to the composite image data. For example, a digital watermark is added (step S32). Besides the digital watermark, a method of setting a password for each composite image data may be used.

Here, the case of generating the composite image data 131 will be described with reference to FIG.
The user information 132, the identification data 133, the storage location information 134, and the authentication data 135 are overwritten as endorsement image information on the reverse side of the front and back images 82 (see FIG. 8) of the check acquired by the identification unit 11. FIG. 13 shows a state where user information 132, identification data 133, storage location information 134, and authentication data 135 are displayed as text data arranged in a rectangular frame corresponding to the check in the upper part. .

  The front and back images of the check are displayed side by side at the bottom, and the existing money amount display portion 136, magnetic ink character area 137, etc. are displayed on the front side. In addition, although the back side is a blank sheet, the above-described text data is converted into image data and overwritten on the blank sheet, and the composite image data 131 corresponding to the shape of the back side of the check is applied.

  That is, the back side of the check is blank, but the check completion information and the like can be secured by image data, and the check usage information can be image-managed.

  The user information 132 is information for specifying the transaction by the check deposit machine 1, and may be, for example, a date or time, a terminal number of the check deposit machine 1, or a user ID number or an account number.

  The identification data 133 is a recognition result of magnetic ink characters. By synthesizing with the front and back images 82 of the check, it can be visually confirmed on the data that the identification unit 11 has recognized the magnetic ink characters without error.

  The storage location information 134 is information indicating where the check is stored. Even if a doubt occurs after the deposit process, the actual check can be linked to data, which is effective for media management. is there.

  The authentication data 135 is status information indicating whether or not the check processing has been completed. The authentication data includes, for example, a bank name, a bank number, a processing date, and a processing number. Further, the authentication data 135 is received from the host device 71 based on a response from the payment processing server 79. The authentication data 135 makes it clear that the check has been settled.

  According to the above procedure, the composite image data 131 is equivalent to the image data equivalent to the case where the check printed on the endorsement is imaged again by a scanner or the like, even though the check processing unit 2 has no print head. In addition, the original check is securely managed in the safe and is not likely to be mixed with unprocessed checks.

  Further, by combining the user information 132 and the identification data 133 together, it is possible to associate the user information, the composite image data, and the actual check without error. Further, by performing the falsification preventing process, the reliability of the composite image data 131 can be guaranteed, and the evidence can be improved even in the operation in which the process after the check is settled with only the data.

On the other hand, FIG. 14 shows a flowchart of a data processing procedure after the compulsory deposit transaction.
After the compulsory payment is finished, the user's ID number, the terminal number of the check deposit machine 1 used, the user information such as the date, etc. are displayed on the front and back images of the check taken by the camera 15 built in the identification unit 11. The recognition result of the magnetic ink character read as the identification data is combined with the information of the safe storing the check, and composite image data is created for each check (step S41).

  As a method of associating the information to be synthesized, image data with user information can be obtained by overwriting the user information on a part of the check image that avoids the number or main display part in order to maintain visibility. it can. Specifically, the check image data acquired by the camera 15 such as a CCD camera is obtained as image data acquisition means using check image data on at least one side of the forcibly stored check. Is stored as check information.

  The image data of the check preferably captures both the entire front and back surfaces of the check as image images. As a result, the image data does not play an auxiliary role in transaction processing, but can be used in place of the actual check, and the check is no longer necessary for subsequent operations. When a paper medium is absolutely necessary, the image is printed.

  As a result, any check can acquire not only a history as evidence by acquiring the image data of the deposited check, but also the forced deposit safes 3A and 3B and the final deposit safes 4A to 4C. It becomes possible to clarify who the check was deposited at the time of scrutiny.

  Alternatively, user information may be stored as text data, and the text data and check image data may be managed as batch data. That is, text data and check image data may be combined. At this time, it is preferable to convert user information into image data in order to prevent tampering and to synthesize the converted image data with the check image data. In this synthesis, the synthesis can be performed by the main control unit 20 as a synthesis means (FIG. 13). Thus, instead of opening a plurality of associated files, all information is included in one image data, which is convenient not only for management but also for improved visibility.

  Further, a tampering prevention process may be performed by adding a digital watermark to the transaction data (step S42). In this case, tampering can be prevented by embedding electronic information in the check image data, and the reliability and evidence of the image data can be further improved. Besides the digital watermark, a method of setting a password for each transaction data may be used.

On the other hand, generation of the composite image data 151 in the forced deposit mode will be described with reference to FIG.
When overwriting the front and back image 82 of the check acquired by the identification unit 11, the user information 152, the identification data 153, the storage location information 154, and the authentication data 155 are matched to the check shape as text data at the top in FIG. 15. A state in which the images are arranged in a rectangular frame is shown.

  And the front and back images of the check are displayed side by side at the bottom. Among these, the composite image data 151 in which the above-described text data is converted into image data and overwritten is displayed on the blank sheet on the back side.

  In this case, when a magnetic ink character reading failure occurs as the identification data 153, only the digit portion that could not be recognized may be represented by “*” so that it can be understood that a recognition failure has occurred. The authentication data 155 indicates that the check cannot be recognized and the payment process cannot be performed, and that the payment process is incomplete (pending) is overwritten.

  According to the above procedure, since the images of the front and back of the check can be secured as electronic data, it is possible to reliably keep a history of payment transactions performed by the user, and after the payment process by the user, the administrator makes the payment This guarantees that transaction data has not been tampered with before the transaction is reviewed, and can be used by users and managers as reliable and reliable data.

  In addition, the user and payment processing status information can be understood at a glance for the accepted check. Checks for which payment processing has been put on hold are reliably managed by individual deposit boxes, so there is no possibility of mixing with checks that have already been processed for payment.

Next, an embodiment relating to the scrutiny of a forced deposit check by the administrator of the check deposit machine 1 will be described.
The administrator may check and examine the status information of the forced deposit transaction by operating the display operation unit 24 of the check deposit machine 1, or the administrator may be connected to the check deposit machine 1 as shown in FIG. The host device 71 may be operated to confirm and scrutinize the status information of the forced deposit transaction.

FIG. 16 is a detailed check display displayed on the display operation unit 24 of the host device 71.
Reference numeral 161 denotes a display screen of the host device 71. Regarding the check received by forced deposit, the front and back image 82 of the check acquired by the identification unit 11, and the magnetic ink character enlarged image 83 obtained by cutting out only the magnetic ink character portion from the check image. The recognition result 84 of the magnetic ink character recognized by the character reading sensor 16 of the identification unit 11, the identification result 85 for determining whether the check is normal (OK) or not (NG) by the identification unit 11, and the settlement processing server 79 Displayed with payment processing information 86 indicating whether or not the payment has been normally completed (corrected), a correction button 162 used when correcting the recognition result 84, and a re-payment button 163 for performing a re-settlement. .

  The administrator compares the enlarged image 83 with the recognition result 84, and when there is an error or a number digit that could not be recognized in the recognition result, the administrator presses the correction button 162 and performs correction according to the visual result of the enlarged image 83.

  For transactions for which payment processing has not been completed, the re-payment button 163 is pressed to communicate with the payment processing server 79 to complete the payment. The completed transaction is treated in the same manner as the transaction deposited in the normal deposit mode, and the composite image data 131 shown in FIG. 13 is created. If the process is not completed by the re-settlement process, the manager may check the actual banknote in the forced insertion safe as necessary. At this time, in order to efficiently extract the check of forced deposit transaction that the administrator wants to confirm from the forced deposit safe, an apparatus for processing the check may be used.

  FIG. 17 is a diagram showing the configuration of a check processing device 171 that allows printing, and is installed at a place where the forced safes 3A and 3B are collected. The check processing device 171 includes a loading port 172 for inserting the check C therein, an identification unit 11, stackers 173 and 174, and a sorting gate 175, and the check processing device 171 is connected to the host device 71. When the administrator takes out the check C from the forced safes 3A and 3B and inserts it into the insertion slot 172, the check fed out from the insertion slot 172 is conveyed to the identification unit 11, and front and back images are acquired.

  By comparing the acquired front and back image and the check front and back image 82 acquired at the time of forced depositing via the host device 71, the check processing device 171 identifies only the check at the time of the forced deposit transaction that the administrator needs to confirm. It becomes possible to sort to a stacker (for example, 174). Further, for a check for which payment processing has been completed normally, the check processing device 171 may collectively perform an endorsement printing process. At that time, endorsement printing is performed when the check sorted by the sorting gate 175 passes through the print head 176.

  The content of the endorsement may be the same content as the composite image data 151 including the authentication data 135 and 155, or the details are managed on the data, so it may be simply a fixed word indicating that the settlement has ended. Good.

  According to the above procedure, it is possible to easily remove only the check for a specific transaction from the forced deposit vault where multiple forced deposit transaction checks are mixed, and it is possible to reduce the amount of time required for the administrator to review the forced deposit transaction. Become. Further, when authentication data for endorsement is required, a simple device specialized for the printing mechanism can be configured by printing with the print head 176, and the check deposit machine is not affected without affecting the configuration of the check deposit machine. Can be realized with a simple configuration.

  In the above embodiment, the securities processing apparatus according to the present invention is exemplified as a check deposit machine for depositing a check. However, the present invention is not limited to this, and other than this. It can be applied to all securities that require endorsement processing, such as gift certificates and coupons.

  The above-described check deposit machine 1 accepts a check in the first deposit mode, and when a return check that cannot be read occurs at the start of the transaction, the deposit is made to select the normal deposit mode again or shift to the forced deposit mode. This is dealt with by allowing the user to select the mode. On the other hand, an operation program that accepts a check and executes a deposit process in the forced deposit mode from the beginning can also be adopted. Hereinafter, this method will be described in Example 2 described later.

The second embodiment is a configuration example having the same structure as the check deposit machine 1 of the first embodiment and a partly different control program. For this reason, only different control program portions will be described.
The control program according to the second embodiment is characterized in that it is configured in a common mode having a deposit mode function of both the normal deposit mode and the forced deposit mode during the check receiving process.

  With this configuration, when a check is deposited, the normal ticket is stored in the final deposit safes 4A to 4C. If the number of deposits cannot be determined by taking out or the like, the abnormal ticket cannot be secured and returned. Depending on the status of the check, it is stored in one forced-in safe 3A in the case of an abnormal ticket whose number has been confirmed, and in the other forced-in safe 3B in the case of an abnormal ticket that cannot be authenticated. Can be stored in the apparatus with fine sorting. Therefore, subsequent check handling is simplified.

FIG. 18 is a flowchart showing an example of a deposit processing procedure in a common mode including a normal deposit mode and a forced deposit mode.
After selecting the forced deposit button 53, the user inputs the ticket type information and the number of pieces of information to be deposited by forced deposit in the display input area 63 (step S51), and inserts the check C into the insertion slot 10 to start / end When the button 62 is pressed, the main control unit 20 determines that there is a check C in the insertion slot 10 and that there is an instruction for depositing the check C based on the detection output of the insertion slot detection sensor 17 (step S51: YES). Is fed out from the insertion port 10 and conveyed to the identification unit 11 (step S52).

  The identification unit 11 identifies check data such as the number of checks, ticket type, magnetic ink characters, etc. by the number detection sensor 14 and the character reading sensor 16 (step S53). At the same time, the identification unit 11 acquires front and back images of the check C using the camera 15 (step S54).

  Thereafter, in step S55, the main control unit 20 determines whether or not the check is normally fed out from the insertion slot 10. When it is determined that the two sheets are taken out or a large skew state that affects the identification performance occurs and the normal feeding state is not determined (step S55: NO), the check C is conveyed to the return port 12 (step S59).

  On the other hand, if it is determined that the payout is normal (step S55: YES), the main control unit 20 confirms whether or not the check C is identified as normal by the identification unit 11 (step S56). When identified (step S56: YES), the check data acquired by the identifying unit 11 is transmitted from the host device 71 to the settlement processing server 79 via the Internet, and the validity of the check C is determined (step S57).

  If it is determined that the check C is valid (step S57: YES), the check C is transported from the identifying unit 11 to, for example, the confirmed safe 4A (step S58).

  If the check unit 11 identifies that the check C is abnormal in step S56 described above (step S56: NO), the check C is stored in the forced safe 3A (step S60). If the check data acquired by the identification unit 11 is not determined to be valid (step S57: NO), the check C is stored in the forced safe 3B (step S61).

  After the check C is transported to the return slot 12, the fixed deposit boxes 4A to 4C, or the forced deposit boxes 3A and 3B, it is determined whether or not all the checks C in the slot 10 are gone (step S62). If there is still a check C in the mouth 10 (step S62: NO), the processing after step S52 described above is executed.

  On the other hand, when all the checks C in the insertion slot 10 are gone (step S62: YES), the common mode deposit process is terminated. If there is a check C transported to the return port 12, the user may re-insert the returned check C into the input port 10 and press the start / end button 62 again to reprocess. .

  Also in this case, at least the number of banknotes in the safe is determined for the device manager, and the device manager reads the bill type and magnetic ink characters from the image data, and processes the payment processing server. It is only necessary to scrutinize and scrutinize, and management effort can be reduced. Further, by separating the check that is not normal at the time of identification and the check that is not normal at the time of payment processing by an entrance vault, it becomes possible to scrutinize the check more efficiently. In particular, since it is possible to finely sort and store in the apparatus according to the status status of the check, there is an advantage that the handling of the subsequent check is simplified.

FIG. 19 shows an example of improving the deposit utilization efficiency of a user configured by connecting the check deposit machine 1 and the POS (point-of-sale information management) system 191 described above.
When this check deposit machine 1 is connected to the POS system 191, the deposit data input in advance from the user's POS terminal 192 and collected is managed by the POS server 194 via the POS communication network 193. . By connecting the POS server 194 and the check depositing machine 1 via a communication line, the user's POS terminal 192 and the check depositing machine 1 can be linked to each other, and before the check depositing operation of the check depositing machine 1 The number information and the ticket type information can be efficiently acquired online based on the user's ID card.

  Thereby, the user knows the ticket type and number of check bundles to be deposited by the user at the time of depositing with the check deposit machine 1, and omits the labor of the input operation for performing the input operation at the time of deposit. Can be used efficiently.

The check depositing machine according to the third embodiment is characterized in that the depositing configuration of the check depositing machine 1 according to the first embodiment is provided with a money withdrawal function. Therefore, it differs from the check deposit machine 1 of Example 1 in that it has a cash withdrawal function, and the rest is the same configuration. Therefore, only different components will be described.
FIG. 20 is a control block diagram of the control unit shown in FIG. 3 of the check depositing machine 1 described in the first embodiment. In addition to this configuration, a money processing unit 201 having a cash function for checking is newly provided. It is configured.

The money processing unit 201 includes a money storage unit 202 that stores money for money exchange, and a money dispensing port 203 that withdraws money from the money storage unit 202. Then, when the main control unit 20 receives the check, the received check is identified as a normal ticket, and when the check is settled, the user has requested a cash withdrawal amount. Upon confirmation, the main control unit 20 allows the withdrawal amount corresponding to the check amount information to be withdrawn from the money storage unit 202 to the money withdrawal port 203. If the check depositing machine having such a cashing function is used, the convenience is improved. As a check deposit machine with improved operational efficiency, operational performance is further enhanced.

  The present invention is not limited to the configuration of the above-described embodiment, and embodiments having various configurations can be obtained. For example, in the above-described embodiment, the configuration example in which the check deposit machine 1 and the settlement processing server 79 are connected via the host device 71 is shown. However, the present invention is not limited to this, and the management function that can be scrutinized by the administrator in the check deposit machine itself Or may be configured to be directly connected to the settlement processing server 79 for operation.

DESCRIPTION OF SYMBOLS 1 ... Check deposit machine 2 ... Check processing part 3A, 3B ... Compulsory deposit safe 4A-4C ... Final deposit safe 10 ... Slot 11 ... Identification part 15 ... Camera 20 ... Main control part 22 ... RAM
23 ... Card reading unit 24 ... Display operation unit 71 ... Host device 82 ... Check front and back images 131 and 151 ... Composite image data 132 and 152 ... User information 133 and 153 ... Identification data 134 and 154 ... Storage location information 135 and 155 ... Authentication data

Claims (10)

An input unit for inputting user information for identifying a user;
An entrance for accepting and processing securities to be traded;
An identification unit for identifying identification information of the securities;
Image data acquisition means for acquiring securities image data of at least one side of the securities;
A storage section for storing the securities;
A securities processing apparatus comprising: a storage unit that synthesizes and stores the user information, the identification information, and location information where the securities are stored in the storage unit in the securities image data. Based on the identification result of the identification unit, the securities allowed to be accepted as a normal ticket,
The securities rejected based on the identification result of the identification unit as an abnormal ticket,
Control means for storing the securities in the storage unit if the securities are normal, and returning the securities in the case of the abnormal tickets,
The securities processing apparatus according to claim 1, further comprising a re-accepting unit that enables selection of re-acceptance of the abnormal ticket when the returned abnormal ticket is present. Based on the identification result of the identification unit, the securities allowed to be accepted as a normal ticket,
The securities rejected based on the identification result of the identification unit as an abnormal ticket,
The storage section is
A normal ticket storage unit for storing the normal ticket;
An abnormal ticket storage unit that stores the abnormal ticket,
During acceptance processing of the securities,
The normal ticket is stored in the normal ticket storage unit,
The securities processing apparatus according to claim 1, further comprising a sorting unit that stores the abnormal ticket in the abnormal ticket storage unit. A money storage section for storing money;
A money withdrawal port for withdrawing money from the money storage unit;
4. The securities processing apparatus according to claim 2 or 3, wherein when the securities are identified as normal tickets, a withdrawal amount corresponding to the amount information of the securities is permitted to be withdrawn from the money storage unit to the money withdrawal port. . The securities image data is:
The securities processing apparatus according to claim 1, wherein the securities processing device is an image obtained by photographing the entire front surface and the entire back surface of the securities. In the securities image data,
6. The securities processing apparatus according to claim 1, further comprising electronic watermark means for performing electronic watermark processing. The identification unit is
The securities processing apparatus according to any one of claims 1 to 6, wherein character information recorded by at least one of the magnetic information and the optical information recorded in the securities image data is identified. A display unit that displays the synthesized securities image data stored in the storage unit and allows an administrator to visually recognize the data;
The securities processing apparatus according to claim 1, wherein the input unit further includes a configuration that allows an administrator to input instruction information to the securities image data. A securities processing system comprising a securities processing device for processing securities and a securities management device in communication connection with the securities processing device,
The securities processing apparatus includes:
An input unit for inputting user information for identifying a user;
An entrance for accepting and processing securities to be traded;
An identification unit for identifying identification information of the securities;
Image data acquisition means for acquiring securities image data of at least one side of the securities;
A storage section for storing the securities;
A storage unit that combines and stores the user information, the identification information, and the location information where the securities are stored in the storage unit in the securities image data,
The securities management device includes:
A control unit that acquires and manages the synthesized securities image data stored in the storage unit of the securities processing apparatus;
A display unit that displays the synthesized securities image data managed by the control unit and allows an administrator to visually recognize the data;
A securities processing system comprising: an administrator input unit that allows an administrator to input instruction information to the synthesized securities image data. A user information acquisition step for acquiring user information for identifying a user;
A receiving step for receiving and processing the securities to be traded;
An identification information acquisition step of acquiring identification information of the securities;
An image data acquisition step of acquiring securities image data of at least one side of the securities;
A storage step of storing the securities in a storage unit;
A securities processing method comprising: storing the user information, the identification information, and the location information where the securities are stored in the storage unit by combining the securities image data with the storage information.

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