JP2012137922A - Passbook handling device and passbook handling method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To restore magnetic information even when magnetic information contained in a magnetic stripe on a received passbook is hard to read, to thereby enable the transaction.SOLUTION: When magnetic information on a passbook received by a passbook processing part 11 is hard to read, a control section 12 analyzes a piece of information on an end leaf of the passbook optically read by the passbook processing part 11 and refers the obtained information of the passbook to a host computer 1. When relevant passbook is found, the control section 12 analyzes the information on an entry page of the passbook optically read by the passbook processing part 11 based on the information noticed from the host computer 1 and refers the information at a print position to the host computer 1. When the information at the print position coincides with each other, the magnetic information notified by the host computer 1 is written on the passbook to thereby restore the magnetic information.

Description

  The present invention relates to a bankbook handling apparatus and bankbook that can restore magnetic information when the magnetic information of a magnetic stripe in which information necessary for conducting a transaction with a financial institution is received when the bankbook is accepted cannot be read. Regarding the handling method.

  Banks of financial institutions have automatic machines such as ATMs (Automated Teller Machines) that allow customers to conduct transactions such as deposits and withdrawals, and transactions such as cash deposits and withdrawals and transfers And contribute to the efficiency of bank and other counter operations.

  The automatic machine can perform transactions such as cash deposits / withdrawals and transfers using cards and bankbooks, and can also perform transactions such as deposits and books using only bankbooks. The passbook has a magnetic stripe in which the magnetic information necessary for transactions with financial institutions is recorded, and this passbook is valid when the magnetic information in the magnetic stripe matches the information held by the host computer. It is judged that there is, and the transaction is started.

  In the passbook, there are an increasing number of accidents in which the magnetic information of the magnetic stripe is demagnetized or demagnetized due to the proximity or contact of a magnet that generates a magnetic field when stored or carried. Since the passbook in which the magnetic information of the magnetic stripe has been lost can no longer be read correctly from the magnetic stripe, the automatic machine determines that the transaction is impossible and returns the passbook to the customer.

  There has been proposed a technique that enables transactions even with a bankbook in which such magnetic information cannot be read normally. For example, if the magnetic information could not be read normally, the passbook information was optically read from the passbook with the financial institution's passbook media specification identified from the card transaction information, and the host computer confirmed the validity of the passbook. Trading becomes possible (see, for example, Patent Document 1). In this case, the card is used to identify the person and identify the financial institution, and whether or not the passbook is valid is determined based on the optically read passbook information. In addition, when magnetic information cannot be normally read, it has been proposed to restore the magnetic information of the magnetic stripe based on the optically read information (see, for example, Patent Document 2).

  Thus, when the magnetic information of a passbook cannot be read, passbook information can be acquired by optically reading the paper surface information of a passbook. At this time, the passbook information such as financial institution name, branch name, account number, etc. described in the passbook has a description area determined by the financial institution's passbook media specifications, so a description predetermined from the read image It can be obtained by cutting out and decoding the area. Since the automatic machine can only recognize the bankbook of its own bank, if it cannot obtain the bankbook information that should have been recorded in the described area by decoding the area, it is determined that it is not the bankbook of the bank and the bankbook is Will be returned to.

JP 2001-202567 A JP 2003-099902 A

  However, if the accepted passbook is your own bankbook, the paper information is correct, but the passbook may be returned to the customer because the old passbook may have been used by mistake. . For this reason, even if the bankbook that could not read magnetic information is a regular bankbook in use, there is a problem that transactions cannot be made with an automatic machine. Further, since the passbook that could not read the magnetic information was returned, even if the lost magnetic information of the passbook could be restored from the card information and the paper information of the passbook, it was not restored.

  The present invention has been made in view of such a point, and even when the accepted passbook cannot read the magnetic information of the magnetic stripe, the passbook can be traded and the magnetic information can be restored. An object is to provide a device and a bankbook handling method.

  In the present invention, in order to solve the above problems, a magnetic information reading / writing unit for reading and writing magnetic information with respect to the magnetic stripe of the accepted bankbook, a page turning unit for closing and opening the bankbook, and the bankbook An optical reading unit that reads the page information, a conveyance unit that conveys the passbook, and a control unit that controls the magnetic information reading / writing unit, the page turning unit, the optical reading unit, and the conveyance unit. In the passbook handling device, the control unit is configured to provide a turnover page in which passbook information is written in the page turning unit and a designated page for the passbook in which the magnetic information reading / writing unit cannot read the magnetic information correctly. Open the book entry page, let the optical reading unit optically read the facing page and the designated book entry page, and make the transport unit between the magnetic information reading / writing unit, the page turning unit, and the optical reading unit A passbook control unit for sending, an image decoding unit for decoding the page information of the passbook read by the optical reading unit and outputting the passbook information, a passbook type code based on the passbook information on the return page, and A communication control unit that inquires the host computer for the last page code of the book entry and inquires the host computer for the magnetic information for restoration based on the book entry information of the designated book entry page, and is inquired by the communication control unit. There is provided a passbook handling apparatus for restoring magnetic information of the accepted passbook based on the restoration magnetic information.

  Further, in the present invention, when the magnetic information of the accepted bankbook cannot be read correctly, a first check on the validity of the bankbook is performed based on the bankbook information obtained by optically reading the return page of the bankbook. As a result of the first check, when the validity of the passbook is confirmed, the print position information obtained by optically reading the designated book page corresponding to the passbook type of the passbook and the last page of the book owned by the host computer A second check for comparing the print position information is performed, and when the result of the second check is that the print position information and the booklet last page print position information match, the restoration magnet generated by the host computer is generated. There is provided a passbook handling method, wherein the magnetic information is restored by writing information on a magnetic stripe of the passbook.

  According to such a bankbook handling apparatus and bankbook handling method, when the magnetic information of the accepted bankbook cannot be read correctly, the bankbook information for identifying the bankbook from the page information of the bankbook and the bookkeeping information for confirming the final transaction The validity of the passbook is confirmed by double check by, and magnetic information is restored. As a result, when the magnetic information is simply read failure due to demagnetization or the like, it is possible to restore the magnetic information, and if the accepted bankbook is an old bankbook or another bank bankbook, the bankbook is different. You will be able to guide.

  Since the passbook handling device and the passbook handling method configured as described above are processed only with the paper information of the passbook, there is an advantage that a passbook transaction is possible even when the card is not present because a card is unnecessary. .

  In addition, if the magnetic information simply becomes defective due to magnetic factors such as demagnetization or demagnetization by a magnet, the magnetic information can be restored without the customer's knowledge. There is.

  In addition, it is possible to determine whether the accepted passbook is an old passbook or a passbook of another bank in the process of processing based on the paper information of the passbook. is there.

It is a system diagram of an automatic transaction system of an embodiment. It is a figure which shows the example of an internal structure of the bankbook process part of a bankbook handling apparatus. It is a block diagram which shows the structural example of the control part of a bankbook handling apparatus. It is a flowchart which shows the flow of a process of a passbook control part. It is a figure which shows the example of the paper surface information described on the turning-back page of a passbook. It is a figure which shows the example of the paper information recorded on the entry page of a passbook.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings, taking as an example a case where the present invention is applied to an automatic machine in an automatic transaction system.
FIG. 1 is a system diagram of an automatic transaction system according to an embodiment, FIG. 2 is a diagram showing an example of an internal configuration of a passbook processing unit of a passbook handling device, and FIG. 3 is a block diagram showing a configuration example of a control unit of the passbook handling device FIG.

  As shown in FIG. 1, the automatic transaction system includes a bankbook handling apparatus 10 and a host computer 1 and is configured to be able to communicate through a dedicated line or the like. The bankbook handling apparatus 10 can be an automatic machine such as an ATM installed in a store of a financial institution.

  The bankbook handling device 10 includes a bankbook processing unit 11 that performs various processes on the bankbook when performing transactions with the bankbook, and a control unit 12 that performs various controls necessary for the bankbook processing on the bankbook processing unit 11. .

  As shown in FIG. 2, the passbook processing unit 11 includes a magnetic information reading / writing unit 13, a printing unit 14, an optical reading unit 15, a page turning unit 16, and a conveyance unit 17. The magnetic information reading / writing unit 13 reads and writes magnetic information to and from the magnetic stripe attached to the passbook medium while the accepted passbook is conveyed by the conveyance unit 17. The printing unit 14 is arranged with a platen and a printing mechanism across the conveyance path of the conveyance unit 17, and prints passbook information and bookkeeping information on the passbook. Passbook information is paper information such as customer's name, financial institution name, branch name, branch number, subject name, account number, etc. printed or pre-printed on the return page of the passbook. It is the page information regarding the transaction content printed on the. The optical reading unit 15 captures a page such as a look back of the passbook and outputs the image data. The page turning unit 16 opens the book page specified by the host computer 1 by turning over the passbook transported by the transport unit 17. The page turning unit 16 captures paper information by the optical reading unit 15 and prints it by the printing unit 14. Used when.

  As shown in FIG. 3, the control unit 12 includes a main control unit 18, a storage unit 19, a passbook control unit 20, an image decoding unit 21, and a communication control unit 22. Of course, this control unit 12 is not shown, but for example, a display operation control unit, a deposit / withdrawal processing unit, a voice guidance processing unit, a receipt that supports customer operation input via a touch panel disposed on the front face of the bankbook handling device 10 An issue processing unit, a card processing unit, and the like are provided.

  The main control unit 18 includes a CPU (Central Processing Unit) and the like, and controls the overall operation of the bankbook handling apparatus 10 by executing various programs stored in the storage unit 19.

  The storage unit 19 stores a program for controlling the passbook processing unit 11, a program for performing each process such as deposit / withdrawal transaction, and various data. The storage unit 19 includes a large-capacity nonvolatile memory and a RAM (Random Access Memory). As the nonvolatile memory, a hard disk drive, a flash memory drive, or the like is used, and stores an OS (Operating System) program, various application programs, and the like. The RAM temporarily stores at least part of an OS program executed by the main control unit 18 and a program for functioning as the bankbook handling device 10. In addition, various data necessary for processing by the main control unit 18 are temporarily stored in the RAM.

  The passbook control unit 20 controls the passbook processing unit 11 when the passbook handling device 10 performs a passbook transaction. In particular, the magnetic information reading / writing unit 13 stores magnetic information recorded in the magnetic stripe of the passbook medium. When the data cannot be read correctly, the bankbook processing unit 11 is controlled.

  The image decoding unit 21 has a function of decoding the image data of the page in the passbook read by the optical reading unit 15 and converting it into character data or detecting the print position information of the line printed on the book page. is doing.

  The communication control unit 22 is connected to the host computer 1 of the financial institution located in the management center via the network 2, and makes an inquiry to the host computer 1 or receives a reply from the host computer 1.

  Next, when the passbook processing unit 11 accepts the passbook, the magnetic information recorded in the magnetic stripe of the passbook is poorly read and the magnetic information reading / writing unit 13 cannot read the magnetic information correctly. The processing of the bankbook controller 20 will be described.

  FIG. 4 is a flowchart showing the flow of processing of the passbook control unit, FIG. 5 is a diagram showing an example of page information written on the return page of the passbook, and FIG. 6 is page information written on the passbook entry page. It is a figure which shows the example of.

  First, when a bankbook transaction is started and a bankbook is inserted into the bankbook handling apparatus 10, the bankbook is accepted by the bankbook processing unit 11 (step S1) and is transported inside by the transport unit 17. At that time, the magnetic information reading / writing unit 13 reads the magnetic information recorded in the magnetic stripe of the passbook and sends it to the passbook control unit 20 (step S2).

  The passbook control unit 20 determines whether the magnetic information of the passbook read by the magnetic information reading / writing unit 13 is valid information as the magnetic information of the passbook (step S3). Here, when correct magnetic information is read, normal transaction processing is started (step S4). When the transaction ends, the passbook is returned (step S5), and the passbook transaction ends. .

  If the magnetic information of the bankbook is not read normally, the bankbook is transported to the page turning section 16 by the transport section 17, where a facing page is opened (step S6). Here, the page turning unit 16 may open the turning page by turning the passbook inserted in a state where the book entry page is opened while reading optically by the optical reading unit 15 page by page. Preferably, the facing page is opened by closing the passbook and turning the cover. As a result, it is possible to shorten the time until the facing page is opened.

  Next, the page information of the passpage of the passbook is read by the optical reading unit 15, and the image data is decoded by the image decoding unit 21 and converted into passbook information of character data (step S7). As shown in FIG. 5, the passbook information on the return page of the passbook 30 includes the customer name 31, financial institution name 32, branch name 33, branch number 34, passbook type 35, account number 36, and the like. The passbook type 35 includes subjects such as normal, general, saving, and accumulation.

  Next, the passbook control unit 20 transmits the decrypted passbook information to the host computer 1 via the communication control unit 22, and requests the host computer 1 to check the validity of the passbook (step S8).

  The host computer 1 determines the presence / absence of the passbook based on the transmitted passbook information, and returns the determination result to the passbook handling apparatus 10. At this time, the host computer 1 transmits the determination result to the passbook handling device 10. If there is a passbook corresponding to the passbook information notified from the passbook handling device 10, the passbook type of the passbook is displayed together with the determination result. Send the code and the last page code of the passbook.

  When the communication control unit 22 receives the determination result from the host computer 1 (step S9), the passbook control unit 20 determines whether or not the determination result is OK (step S10). Here, when there is no passbook corresponding to the passbook information transmitted to the host computer 1 or when the passbook information itself does not meet the specifications of the passbook information of the bank, such as a passbook of another bank, the transaction is made. Announcement that it is not possible is made (step S11). For example, the bankbook control unit 20 displays a message “This bankbook cannot be traded on an automatic machine. Please contact the counter” on the display screen arranged on the front surface of the bankbook handling apparatus 10. Thereafter, the passbook control unit 20 returns the passbook (step S5) and ends this passbook transaction.

  If it is determined in step S10 that the determination result by the host computer 1 is OK, the passbook control unit 20 conveys the passbook to the page turning unit 16, and the page turning unit 16 opens the last book entry page. The book entry last page is opened by turning the page up to the book entry last page of the passbook type designated by the page turning unit 16 based on the passbook type code and the book entry last page code notified from the host computer 1. In the example shown in FIG. 6, the last entry page of the designated passbook type in the passbook 30 is determined by analyzing the page mark 37 of the page information.

  The last page of the passbook type is recorded on the page of the passbook that is notified as the last page of the book by reading the page information by the optical reading unit 15 and analyzing the image data by the image decoding unit 21. A print line 38 is detected. The detected final print line 38 is notified to the host computer 1 as print position information (step S12).

  The host computer 1 compares the print position information notified from the bankbook handling device 10 with the print position information of the last print line of the passbook owned by the host computer 1 and if these print position information matches. Then, the passbook restoration magnetic information is returned to the passbook handling apparatus 10. The bankbook handling apparatus 10 receives the comparison result of the print position information in the host computer 1 and determines whether or not the print position information matches (step S13). If the print position information does not match, the bankbook is likely to be an old bankbook, so an announcement is made that the bankbook is not an old bankbook and that the bankbook cannot be used for transaction (step S11). The passbook is returned (step S5), and the passbook transaction is terminated.

  If the print position information matches and the restoration magnetic information of the passbook has been received from the host computer 1, the restoration magnetic information is recorded on the magnetic stripe of the book (step S14), and whether the recorded information is normal or not. Is determined (step S15). Here, when the magnetic information is not recorded normally because the magnetic stripe is physically damaged or the like, an announcement is made that the transaction is not possible (step S11), and the bankbook is returned ( Step S5), this passbook transaction ends.

  If the magnetic information has been recorded normally, the magnetic information has been successfully restored, so an announcement is made to guide the reprocessing of the transaction (step S16), and the bankbook is returned (step S5). The transaction ends. After that, the customer processes the transaction using the passbook with the magnetic information restored from the beginning.

  The program for performing the above processing is stored in a hard disk drive or the like of the storage unit 19 of the control unit 12, and is transferred to the RAM by the main control unit 18 for execution, whereby the processing function of the above embodiment is performed. Can be realized.

DESCRIPTION OF SYMBOLS 1 Host computer 2 Network 10 Passbook handling apparatus 11 Passbook processing part 12 Control part 13 Magnetic information reading / writing part 14 Printing part 15 Optical reading part 16 Page turning part 17 Conveyance part 18 Main control part 19 Memory | storage part 20 Passbook control part 21 Image Decoding part 22 Communication control part 30 Passbook 31 Name 32 Financial institution name 33 Branch name 34 Branch number 35 Passbook type 36 Account number 37 Page mark 38 Final print line

Claims (6)

A magnetic information reading / writing unit for reading and writing magnetic information with respect to the magnetic stripe of the accepted passbook; a page turning unit for closing and opening the passbook; an optical reading unit for reading paper information of the passbook; and the passbook A passbook handling apparatus comprising a transport unit that transports the magnetic information reading and writing unit, the page turning unit, the optical reading unit, and a control unit that controls the transport unit,
The controller is
The magnetic information reading / writing unit can not read the magnetic information correctly, the page turning unit opens a facing page in which passbook information is written and a designated book entry page, and the optical reading unit A passbook control unit that optically reads a facing page and the designated book page, and causes the conveyance unit to perform conveyance between the magnetic information reading / writing unit, the page turning unit, and the optical reading unit,
An image decoding unit that decodes the page information of the passbook read by the optical reading unit and outputs the passbook information;
Communication that inquires the host computer for the passbook type code and the last page code of the book entry based on the passbook information of the facing page, and makes an inquiry about the magnetic information for restoration to the host computer based on the bookkeeping information of the designated book entry page A control unit,
A passbook handling device for restoring magnetic information of the accepted passbook based on the restoration magnetic information inquired by the communication control unit.   2. The bankbook handling apparatus according to claim 1, wherein the bankbook information includes at least a name, an account number, a branch number, and a branch name.   2. The bankbook handling apparatus according to claim 1, wherein the designated book page is a book book last page of the book type designated by the pass book type code and the book last page code.   2. The bankbook handling apparatus according to claim 1, wherein the bookkeeping information is print position information of a line printed on the last bookkeeping page of a designated bankbook type.   2. The passbook handling apparatus according to claim 1, wherein the page turning unit opens the facing page by closing the passbook and turning the cover. When the magnetic information of the accepted passbook could not be read correctly, a first check on the validity of the passbook is performed on the basis of the passbook information optically read the look-back page of the passbook,
As a result of the first check, when the validity of the passbook is confirmed, the print position information obtained by optically reading the designated book page according to the passbook type of the passbook and the last page print of the book owned by the host computer Perform a second check comparing the location information,
As a result of the second check, when the printing position information and the bookkeeping last page printing position information match, the magnetic information for restoration generated by the host computer is written to the magnetic stripe of the bankbook and the magnetic information Restore,
A passbook handling method characterized by this.

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