JP2013077207A - Apparatus for depositing securities, and method of depositing securities - Google Patents

Abstract

PROBLEM TO BE SOLVED: To continue payment processing even when securities exceeding an upper limit number storable in a temporary storage part are submitted while performing payment processing using the temporary storage part.SOLUTION: An apparatus for depositing securities comprises a sensor part for generating an image from securities, a reading processing part for reading information from the image generated by the sensor part, a storage part for storing the securities that have been subjected to payment processing, a temporary storage part for temporarily storing the securities until a storage instruction is issued, a display part for notifying information on the temporary storage part, and a control part for performing control for conveying the securities that have been stored in the temporary storage part to the storage part to store the securities during conveyance, and also for storing securities that have not been stored in the temporary storage part in the storage part to continue the payment processing when the number of securities that have been stored in the temporary storage part reaches the upper limit number set in advance and a storage instruction is issued upon receiving the fact that securities to be stored in the temporary storage part cannot be stored therein any more.

Description

  The present invention relates to a securities depositing apparatus and a securities depositing method for accepting deposits by securities such as checks, and more particularly to a deposit process using a temporary holding unit that temporarily stores securities before deposit is confirmed. The present invention relates to a securities deposit apparatus and a securities deposit method.

  2. Description of the Related Art Conventionally, financial institutions such as banks use securities depositing devices for accepting deposits by securities such as checks in addition to cash. For example, Patent Document 1 discloses an automatic transaction apparatus for accepting payment by check after the end of business hours of a financial institution or on a holiday.

  According to Patent Document 1, when a customer who uses the apparatus designates a deposit account and inserts a check, a check amount written on the check, a check account printed on the check, information on a financial institution, and the like are read. Then, a deposit process for depositing the check amount from the check account to the designated deposit account is performed. The check from which the check information has been read is stored in the temporary holding unit and held in the temporary holding unit until the deposit process is completed. If the deposit amount cannot be processed, such as when the check amount exceeds the transaction limit, the check stored in the temporary holding section is returned to the customer. On the other hand, when the deposit process is normally completed, the check stored in the temporary storage unit is stored in a storage unit provided inside the apparatus.

Japanese Patent Laid-Open No. 10-222729

  However, the apparatus according to the prior art generally has a problem that it cannot accept securities exceeding the number of stored temporary storage units. Specifically, since the maximum number of sheets that can be stored in the temporary holding section is determined, if you want to put securities that exceed this maximum number into the securities depositing device, make sure that the maximum number is not exceeded. It is necessary to divide securities into multiple times.

  For example, in a securities depositing apparatus used by a bank employee in a bank, a large amount of securities exceeding the upper limit number of temporary holding units may be processed. After processing is started by inserting securities into the input section of the securities depositing device, if the processing is interrupted halfway because the number of securities stored in the temporary storage section has reached the upper limit, the subsequent processing It took time and effort.

  Specifically, if the number of securities stored in the temporary holding unit reaches the upper limit while processing the securities, the deposit processing is temporarily canceled and the securities returned from the temporary holding unit It was necessary to divide into the number of sheets that can be processed and perform the deposit process in multiple times.

  When the securities to be processed as one process are divided into a plurality of times, post-processing is required for handling the deposit process as one transaction.

  The present invention has been made to solve the above-described problems caused by the prior art, and even when securities exceeding the upper limit number of temporary holding units are inserted, the securities deposit can continue the deposit process. An object is to provide an apparatus and a method for depositing securities.

  In order to solve the above-described problems and achieve the object, the present invention provides a securities depositing device, comprising: an input slot into which securities to be deposited are inserted; and the securities that have been inserted into the slot. A transfer unit that transfers, a sensor unit that generates an image from the securities transferred by the transfer unit, a reading processing unit that reads securities information from the securities image generated by the sensor unit, and finishes the deposit process A storage unit for storing the securities, a temporary storage unit for temporarily storing the securities until a storage instruction for storing the securities in the storage unit is made, and storage in the temporary storage unit In the case where the storage instruction is made in response to the fact that the number of the already sold securities has reached a preset upper limit number and the securities to be stored in the temporary holding unit cannot be stored, A control unit that controls to continue the depositing process by storing the securities that have been stored in the time holding unit to the storing unit and storing them in the middle and storing the securities that could not be stored in the temporary holding unit; It is provided with.

  Further, the present invention is the above invention, wherein the control unit is stored in the temporary storage unit only when the securities stored in the temporary storage unit satisfy a predetermined halfway storage determination condition. The securities are stored in the storage unit on the way.

  Further, the present invention is the above invention, wherein the intermediate storage determination condition is that at least one of the information included in the securities image, the exchange number or the financial institution number is normally read. It is characterized by.

  The present invention further includes a storage unit for storing information read from the securities by the reading processing unit, wherein the control unit stores the securities stored in the temporary storage unit. Can be discriminated between the information stored in the storage unit corresponding to the securities stored in the middle and the information read from the securities processed after being stored in the middle. It is characterized by storing in.

  Further, the present invention provides the operation unit including a storage button for performing a storage instruction to store the securities stored in the temporary storage unit in the storage unit before the payment process is completed in the above invention, A display unit for informing information about the temporary holding unit, and when there is information that does not satisfy the midway storage determination condition, the control unit reads the information and the securities image from which the information is read. Is displayed on the display unit, and the information is corrected based on an operation by the operation unit.

  Further, the present invention is the above invention, wherein the control unit displays information on the number or amount of the securities stored halfway in the storage unit based on the information stored in the storage unit. Further, it is characterized in that it is displayed so as to be distinguishable from the information on the securities processed after being stored in the middle.

  Further, the present invention is characterized in that, in the above invention, the control unit stores information read from the securities in association with identification information for identifying a person in charge of processing the securities in the storage unit. .

  The present invention also relates to a securities depositing method, an image generation step for generating an image from the securities inserted in the slot, and an information reading step for reading information from the securities image generated by the image generation step. And a temporary storage step for temporarily storing the securities in the temporary storage unit until an instruction to store the securities in the storage unit is made, and the securities already stored in the temporary storage unit A determination step for determining whether or not the number of securities has reached a preset upper limit number, and the determination step determines that the number of securities stored in the temporary holding unit has reached the upper limit number In response to this, when a storage instruction is made in the middle, the intermediate storage step of transporting the securities already stored in the temporary storage unit to the storage unit and storing them in the middle, and the intermediate storage step And a continuation processing step of continuing the processing by restarting the processing of the securities inserted into the slot after the securities can be stored in the temporary holding unit by the payment step. And

  Further, the present invention is the above invention, wherein the intermediate storage step includes a determination step of determining whether or not the information related to the securities already stored in the temporary holding unit has been normally read by the information reading step, Only when it is determined in the determination step that the information has been normally read, the securities already stored in the temporary storage unit are stored in the storage unit on the way.

  Moreover, in the above invention, the present invention further includes an information correction step for correcting the information when the determination step determines that the information is not normally read in the determination step. The securities stored in the temporary holding unit after the information is corrected by the correcting step are stored in the storing unit on the way.

  According to the present invention, even when the number of securities stored in the temporary storage unit reaches the upper limit number that can be stored in the temporary storage unit, the securities stored in the temporary storage unit are stored in the storage unit halfway. Therefore, the processing of the securities can be continued without stopping, so that the securities can be processed efficiently regardless of the upper limit number of sheets stored in the temporary storage unit.

  In addition, according to the present invention, a halfway storage determination condition for determining whether or not there is a possibility that a problem may occur in processing of securities is set, and halfway storage is performed only when this condition is satisfied. As a result, it is possible to avoid a situation in which the securities stored in the storage section must be taken out after being stored in the middle.

  Further, according to the present invention, since the securities information to be used as the halfway storage determination condition can be selected and set, the setting can be made according to the operation of the user of the apparatus.

  In addition, according to the present invention, even when it is determined that the storage information is not satisfied because the securities information may not be normally read, the securities information and the corresponding securities image are displayed. Since the securities information can be corrected while being displayed and compared on the display unit, the securities can be subsequently stored and the securities can be processed.

  In addition, according to the present invention, information related to securities that have been stored in the middle is stored so as to be distinguishable from information related to other securities information. Information about securities can be displayed on the display unit. In addition, even if the deposit process is canceled after the intermediate storage, the information stored in the storage unit can be used for the securities stored in the middle, so only the securities stored in the temporary storage unit can be used. Can be returned and reprocessed to complete the deposit process.

  In addition, according to the present invention, information related to securities stored in the middle is stored in association with a person-in-charge ID that identifies a person in charge of processing securities, so that the processing is resumed after the deposit process is cancelled. Therefore, it is not used as information for another transaction by mistake.

FIG. 1 is a perspective view illustrating an external configuration example of a securities depositing apparatus and a money handling apparatus to which the securities depositing apparatus according to the present embodiment is connected. FIG. 2 is a diagram showing an outline of the internal configuration of the securities depositing apparatus according to the present embodiment. FIG. 3 is a block diagram showing a schematic configuration of the securities depositing apparatus according to the present embodiment. FIG. 4 is a diagram illustrating an example of a securities image. FIG. 5 is a diagram illustrating a method for correcting information acquired from a securities image. FIG. 6 is a flowchart showing an outline of securities deposit processing. FIG. 7 is a flowchart showing an outline of reprocessing when the deposit processing is canceled after halfway storage is performed. FIG. 8 is a diagram showing an example of a screen displayed when the number of securities stored in the temporary holding unit reaches the upper limit number. FIG. 9 is a diagram illustrating an example of an intermediate storage determination condition. FIG. 10 is a diagram illustrating another example of the halfway storage determination condition. FIG. 11 is a diagram illustrating an example of a screen when the depositing process is canceled and reprocessing is started after halfway storage is performed.

  Exemplary embodiments of a securities depositing apparatus according to the present invention will be described below in detail with reference to the accompanying drawings. Examples of securities to be processed by securities depositing devices include corporate checks, personal checks, special checks such as checks with carrier envelopes, promissory notes, bills of exchange, bills with supplementary notes, bills with carrier envelopes, etc. Special bills are listed. In the following, a case where a processing target is a check and a large amount of checks and cash is deposited in a bank will be described as an example.

  FIG. 1 is a perspective view showing an external configuration example of a securities depositing apparatus 10 according to the present embodiment and a money handling apparatus 30 to which the securities depositing apparatus 10 is connected. Although the securities depositing apparatus 10 can be used alone, it is possible to process deposits including both checks and cash by being connected to the money handling apparatus 30 as shown in FIG. For this reason, a financial institution such as a bank may connect the securities depositing apparatus 10 and the money handling apparatus 30 to be used as a teller machine that processes a large amount of checks and cash.

  The money handling apparatus 30 includes a banknote processing unit 31 that processes a bundle of banknotes bundled in units of 100 sheets, and a banknote processing unit 33 that processes rose banknotes one by one, and a banknote processing apparatus 33 that packages the banknotes in units of 50 The wrapping coin dispensing device 34 for dispensing the wrapping coins and the rose coin processing device 35 for processing the loose coins. Since a conventional apparatus can be used for the money handling apparatus 30, a detailed description thereof will be omitted.

  As shown in FIG. 1, the securities depositing apparatus 10 includes an operation display unit 11 for displaying and inputting various information, and a main body unit 12 that reads and stores information from a received check. The operation display unit 11 includes, for example, a liquid crystal display and a keyboard for inputting commands and data while confirming information displayed on the liquid crystal display.

  FIG. 2 is a diagram for explaining a schematic configuration inside the main body 12 of the securities depositing apparatus 10. The main body 12 of the securities depositing apparatus 10 includes an input port 13 for inputting a check, and a transport unit 14 for transporting the check fed out one by one from the input port 13 into the main body 12. A sensor unit 15 comprising a scanner or the like that generates a check image from a check conveyed by the conveyance unit 14, a discharge port 16 for returning a check or the like whose information could not be read by the sensor unit 15, and payment There is a temporary holding unit 17 for temporarily storing a check until the processing is completed, and a storage unit 18 for transporting the check after the deposit processing is performed by the transport unit 14 to be classified and stored. .

  FIG. 3 is a block diagram illustrating a schematic configuration of the securities depositing apparatus 10. In addition to the operation display unit 11, the transport unit 14, the sensor unit 15, the temporary storage unit 17, and the storage unit 18 shown in FIG. 2, the securities depositing apparatus 10 includes a control unit 19 that controls these operations, and various data. And a communication unit 21 for communicating with an external device such as the money handling apparatus 30.

  The control unit 19 is housed in the reading processing unit 19A that performs control for reading check information by the sensor unit 15, the transport control unit 19B that performs control for transporting the check by the transport unit 14, and the temporary storage unit 17. Check condition information 19C for determining whether or not a check can be stored in the middle, a totalization processing unit 19D for counting the amount of money deposited by the check, and check information for checking and correcting the check information read from the check And a correction unit 19E.

  Here, the halfway storage of the check refers to a process in which the check stored in the temporary holding unit 17 is transported to the storage unit 18 and stored before the payment processing related to the check is completed, that is, in the middle of the payment processing. One feature of the securities depositing apparatus 10 according to the present embodiment is that the depositing process exceeding the upper limit number of sheets that can be stored in the temporary storage unit 17 can be performed by storing the check in the middle. The upper limit number of temporary storage units 17 when storing in the middle can be changed by setting. For example, the maximum number of sheets that can be stored when the temporary storage unit 17 is in a full state or the predetermined number before reaching the maximum number of sheets that is in a near full state is set as the upper limit number. Details regarding the midway storage will be described later.

  The reading processing unit 19A controls the sensor unit 15 including a scanner, for example, and performs a process of generating a check image by scanning the check conveyed by the conveyance unit 14. Further, character recognition using the OCR technique is performed on a predetermined area of the check image to perform processing for reading check information such as a check amount.

  FIG. 4 shows an example of a check image 101 generated by the sensor unit 15 and the reading processing unit 19A. The reading processing unit 19A generates such a check image 101 and stores it in the storage unit 20 as a part of the check related information 20B. Further, the reading processing unit 19 uses the check image 101 to exchange information 101a such as an exchange reference number, financial institution information 101b such as a financial institution number and a commissioned financial institution number, a check amount 101c paid by the check, The checker information including the writer information 101d such as the address and the name and the information printed on the clear band 101e is read and stored in the storage unit 20 as a part of the check related information 20B.

  Information such as an exchange number, a financial institution number, and an account number is printed in advance on the check clear band 101e. The clear band 101e is printed with the check amount by the bank that received the check when the check was paid. The clear band 101e is performed by magnetic ink characters.

  The reading processing unit 19A further performs processing for determining whether or not the check information has been read correctly. Specifically, for example, if a character cannot be recognized in a predetermined area on the check image 101 set to read information in advance, it is determined that character recognition has not been performed normally, that is, there has been a reading error. To do. As another determination method, for example, when the number of characters and the character type included in the character recognition result are different from preset contents, it is determined as a reading error. Also, numbers and words that are predicted to be included in the character recognition result may be registered in the dictionary in advance, and if the character recognition result does not match the numbers and words registered in the dictionary, it may be determined as a reading error. These determination results are stored in the storage unit 20 as a part of the check related information 20B and used by the check information correction unit 19E.

  Note that the reading process performed by the reading processing unit 19A is not limited to an aspect using the OCR. For example, the sensor unit 15 may have a MICR (Magnetic Ink Character Recognition) reader, and the reading processing unit 19A may recognize magnetic ink characters printed on the clear band 101e by the MICR reader.

  The conveyance control unit 19B controls the conveyance unit 14 including a conveyance belt, a roller, a branch claw, and the like, and conveys a check between the input port 13, the sensor unit 15, the discharge port 16, the temporary storage unit 17, and the storage unit 18. To do.

  The midway storage condition determination unit 19C determines whether or not the number of checks stored in the temporary storage unit 17 has reached the upper limit number that can be stored in the temporary storage unit 17, and the check stored in the temporary storage unit 17 When it is determined that the number of sheets has reached the upper limit number, it is determined whether or not the check stored in the temporary storage unit 17 can be stored in the storage unit 18 halfway.

  The tabulation processing unit 19D performs tabulation processing for calculating the total number of checks accepted by the securities depositing apparatus 10 and the total amount of the check amount from the information read by the reading processing unit 19A. The number and amount of checks collected by the totalization processing unit 19D are used inside the securities depositing apparatus 10 and transmitted to an external device such as a money handling apparatus 30 or a management apparatus connected to the securities depositing apparatus 10. You can also. The totalization processing unit 19D can also receive and use information related to the denomination and amount of bills and coins processed by the securities depositing device 10 from an external device such as the money handling device 30 or a management device. .

  The check information correction unit 19E performs a process of correcting the check related information 20B stored in the storage unit 20 based on the operation by the operation display unit 11. The check information correction unit 19E refers to the check related information 20B stored in the storage unit 20 and determines whether information indicating a reading error is stored. If information indicating a reading error is stored, check information 112 indicating a reading error and a check image 111 corresponding to this information are displayed on the operation display unit 11 as shown in FIG. On the screen of the operation display unit 11, as shown in FIG. 5, the character recognition result 114 determined to be a reading error and the character recognition target area 113 on the check image 111 corresponding thereto are displayed as other information. It is highlighted so that it can be distinguished. The user of the securities depositing apparatus 10 recognizes and corrects the erroneously recognized portion by comparing the display highlighted on the operation display unit 11. When the check information is corrected, the check related information 20B in the storage unit 20 is updated with the corrected information.

  The storage unit 20 includes an intermediate storage determination condition 20A used for determining whether the check can be stored in the middle by the intermediate storage condition determination unit 19C, check related information 20B generated by the reading processing unit 19A, and The stored check information 20C, which is check information related to the check stored in the middle, is stored. The check-related information 20B includes a check image generated from the check and check information recognized from the check image. The check related information 20B also includes a determination result for determining whether each information included in the check information is normally read, that is, information indicating a reading error. The halfway stored check-related information 20C is check information regarding a check that is temporarily stored in the storage unit 18 from the temporary storage unit 17, and includes the same data as the stamp-related information 20B.

  In addition to the components shown in FIGS. 2 and 3, the securities depositing apparatus 10 has an endorser for performing check endorsing, a printer for printing processing results, and the like. Description of is omitted. Also, the description of the operations and functions related to the conventional check processing is omitted for each component shown in FIGS. These components and their functions and operations are disclosed in, for example, Japanese Patent Application Laid-Open No. 2006-154974.

  Next, deposit processing by check performed by the securities depositing apparatus 10 having the above configuration will be described with reference to FIGS. FIG. 6 is a flowchart showing the overall flow of deposit processing by check according to the present embodiment. FIG. 7 is a flowchart showing the flow of processing in the case where the deposit is temporarily canceled after the halfway storage and the re-payment processing related to the canceled check is performed thereafter.

  First, the flow of deposit processing by check will be described with reference to FIG. In the securities depositing apparatus 10, before starting the check processing, first, the person in charge ID (identification number) of the person in charge of the check processing is input (step S1). When the person in charge of the check process operates the operation display unit 11 and inputs the person in charge ID, the subsequent processes are performed in association with the person in charge ID. Specifically, since the check image and check information obtained by performing the check processing are stored in association with the person-in-charge ID when stored in the storage unit 20, there is an error in the stored information. Can check the processing contents with the person in charge specified by the person in charge ID. Note that the input of the person-in-charge ID is not limited to the mode of input using the operation display unit 11, and may be a mode of using a card reader or the like, for example. After the person-in-charge ID is input, the check process is started.

  When a stack of checks is placed at the slot 13, the checks are fed into the apparatus one by one, and a check image 101 is generated by the sensor unit 15 and the reading processing unit 19A while being transported by the transport unit 14. (Step S2). The generated check image is stored in the storage unit 20 as a part of the check related information 20B.

  Subsequently, the reading processing unit 19A performs OCR processing on a predetermined area of the check image 101 to acquire check information such as a check amount, an exchange number, and a financial institution number (step S3). The acquired check information is stored in the storage unit 20 as a part of the check related information 20B. At this time, the reading processing unit 19A determines whether or not character recognition is normally performed. If there is a possibility of a reading error, information indicating this is stored in the storage unit 20 as a part of the check related information 20B. Further, the totalization processing unit 19D calculates the total amount of the check by accumulating the check amount read by the reading processing unit 19A.

  The check that has passed the sensor unit 15 is transported by the transport unit 14 and stored in the temporary storage unit 17 (step S4). When the check is stored in the temporary storage unit 17, the intermediate storage condition determination unit 19C determines whether or not the number of checks stored in the temporary storage unit 17 has reached a preset upper limit number ( Step S5).

  If the number of checks stored in the temporary storage unit 17 has not reached the upper limit number (step S5; No), then, whether all the checks placed on the insertion slot 13 have been processed by the control unit 19 It is determined whether or not (step S6). Until the number of checks stored in the temporary storage unit 17 reaches the upper limit (step S5; No), until all the checks are processed (step S6; No), the check is temporarily generated from the generation of the check image. A series of processing until it is stored in the unit 17 is repeatedly performed (steps S2 to S4).

  On the other hand, when the number of checks stored in the temporary storage unit 17 reaches the upper limit number (step S5; Yes), processing for storing the check halfway is started.

  First, as shown in FIG. 8, a confirmation screen for notifying that the number of checks stored in the temporary storage unit 17 has reached the upper limit number is displayed on the operation display unit 11. When the person in charge of the check processing confirms this and operates the storage button provided in the operation display unit 11 to approve the storage in the middle, the check in the temporary storage unit 17 is subsequently performed by the intermediate storage condition determination unit 19C. It is determined whether or not the storage determination condition 20A is satisfied (step S7).

  Here, the halfway storage determination condition 20 </ b> A is a condition for determining whether or not the check stored in the temporary storage unit 17 can be stored in the storage unit 18 halfway. When the information selected from the check information is normally read, it is determined that the halfway storage determination condition 20A is satisfied, and when there is a possibility of reading error, it is determined that the condition is not satisfied.

  The temporary holding unit 17 is used to temporarily store a check until the depositing process is confirmed, and the check in the temporary holding unit 17 is stored in the storing unit 18 after the depositing process is confirmed. In addition to this, in the securities depositing apparatus 10 according to the present embodiment, even when a check exceeding the upper limit number of the temporary holding unit 17 is processed, the check is temporarily held even before the deposit processing is confirmed. The check stored in the unit 17 is stored in the storage unit 18 on the way. As a result, the temporary holding unit 17 can be used, and the check processing can be continued.

  However, if the check stored in the temporary storage unit 17 includes a check whose check information has not been acquired normally, an error will eventually occur even if the check processing is continued and the check processing is continued. Or check processing is likely to be cancelled. In order to avoid a problem related to a check stored halfway after the halfway storage, a halfway storage determination condition 20A for determining whether or not the check stored in the temporary holding unit 17 is stored in the storage unit 18 is set. Only when this is satisfied, the intermediate storage is performed.

  The midway storage determination condition 20 </ b> A is set in advance by the operation display unit 11 and stored in the storage unit 20. FIG. 9 is a diagram illustrating a setting example of the check midway storage determination condition 20A. As shown in FIG. 9, for example, three halfway storage determination conditions of setting A, setting B, and setting C are set in advance, and conditions selected from these can be used. Also, as each setting condition, select any information from check amount, exchange number, financial institution number, financial institution branch number, entrusted financial institution number, entrusted financial institution branch number and information read from clear band. be able to.

  When the securities depositing apparatus 10 is used with the setting A, it is determined that the halfway storage determination condition 20A is satisfied when it is determined that all information has been normally recognized, that is, when there is no reading error. The Further, in the case of using the setting B, even when it is determined that the check amount has a reading error, it is determined that the midway storage determination condition 20A is satisfied. That is, in the setting B, even when the check amount cannot be read, halfway storage is performed.

  For example, when the check amount is printed by a printer, the character can be easily recognized, so the determination is made according to setting A. When the check amount is handwritten, the possibility that the character cannot be recognized is increased, so the determination is made according to setting B. The intermediate storage determination condition 20A is properly used.

  The determination using the midway storage determination condition 20A is not limited to a mode in which one setting selected from the settings A to C is applied to all checks as shown in FIG. For example, in addition to the setting shown in FIG. 9 or in addition to this setting, as shown in FIG. 10, condition setting based on a check amount may be performed. In the example shown in FIG. 10, if there is a reading error when the check amount exceeds 1,000,000 yen, it is determined that the storage condition 20A is not satisfied, and the condition is set to be relaxed as the check amount decreases. Yes. In this way, the determination condition may be properly used depending on the check amount. Moreover, the illustrated determination conditions are examples, and the present embodiment is not limited to these. For example, it is possible to use the check condition, the exchange number, or the financial institution number at least as being normally read as the midway storage determination condition.

  When the number of checks stored in the temporary storage unit 17 reaches the upper limit (step S5 in FIG. 6; Yes), it is determined that all the checks stored in the temporary storage unit 17 satisfy the intermediate storage determination condition 20A. In the case where the check is made (step S7; Yes), the check of the temporary storage unit 17 is transported by the transport unit 14 and stored in the storage unit 18 halfway (step S8).

  On the other hand, if there is a check that does not satisfy the midway storage determination condition 20A in the check stored in the temporary storage unit 17 (step S7; No), the check information is checked and corrected by the check information correction unit 19E. Processing is performed (step S9). Specifically, as described with reference to FIG. 5, check information that may cause a reading error and a check image corresponding to the check information are displayed on the operation display unit 11, and both are compared to check information. If there is an error, the operation display unit 11 is operated to correct the check information. When the check information is corrected, the check information in the storage unit 20 is updated with the corrected information.

  When the check information is corrected and it is determined that the midway storage determination condition 20A is satisfied (step S7 in FIG. 6; Yes), the check stored in the temporary storage unit 17 is stored in the storage unit 18 halfway (step S8).

  When the check stored in the temporary storage unit 17 is stored in the storage unit 18 on the way, the check related information 20B stored in the storage unit 20 for these checks is stored as the stored check related information 20C on the way. 20 is held. That is, the check processing related to the check 20B stored in the temporary storage unit 17 after the check processing is resumed after the intermediate storage and the check information about the check stored on the way from the temporary storage unit 17 to the storage unit 18 are stored. The related information 20 </ b> C is stored separately in the storage unit 20.

  Thus, when the check stored in the temporary storage unit 17 is stored in the storage unit 18 halfway and the check can be stored in the temporary storage unit 17 again, the processing of the check remaining in the slot 13 is resumed ( Steps S2 to S6).

  In the check processing after halfway storage is performed, it is possible to recognize on the screen of the operation display unit 11 that the processing is after halfway storage. Specifically, for example, as shown in FIG. 11, information 121 indicating that the check has been stored halfway and information 122 regarding the check that has been stored halfway are displayed on the screen of the operation display unit 11. By this screen display, it is possible to recognize the total number and total amount of checks currently being processed, and the number and amount of checks that are included on the way.

  The securities depositing device 10 can also receive and display information from an external device such as the management device or the money handling device 30. Specifically, for example, when a deposit process using money and a check is accepted, the amount entered in the deposit slip is received from the management apparatus, and the counting result of the currency is received from the money processing apparatus 30. Then, as shown in FIG. 11, the deposit amount entered in the deposit slip, the number of checks processed by the securities depositing device 10 and the deposit amount by check, and the banknotes and coins processed by the money processing device 30. It is possible to display on the screen the amount of money received and the difference between the amount of money received by check and money with respect to the amount of money written on the slip. As the processing by the securities depositing apparatus 10 and the money handling apparatus 30 proceeds, these displays are updated.

  Thus, when the check information of all the checks placed in the insertion slot 13 is acquired (step S6 in FIG. 6; Yes), the control unit 19 reads a reading error in the check information read by the reading processing unit 19A. It is determined whether or not there has been (step S10).

  If there is check information that has been determined to have a reading error (step S10; No), a check information correction unit 19E checks and corrects the check information (step S11). Specifically, as shown in FIG. 5, check information having a possibility of reading error and a check image corresponding to the check information are displayed on the operation display unit 11, and the check information is compared with each other and an error is found in the check information. If there is, the check information is corrected by operating the operation display unit 11. When the check information is corrected, the check information in the storage unit 20 is updated with the corrected information.

  If all check information has been read normally, or if all check information that may have a reading error has been confirmed and corrected, it is determined that there is no problem with the check information (step S10 in FIG. 6). ; Yes).

  Next, it is determined whether or not there is no problem in the result of summing the check amounts read from each check (step S12). For example, if the total amount of the check amount placed at the slot 13 is known in advance, this amount and the total amount calculated by the aggregation processing unit 19D based on the check amount read from each check It is determined whether or not the two match. Specifically, when the deposit amount of the check described in the deposit slip is input from the operation display unit 11 and the check processing is started, the total amount obtained by reading the check amount from all the checks and integrating the deposit amount on the slip It is determined whether or not the amount matches.

  In addition, for example, in the example shown in FIG. 11, when the difference between the deposit amount entered in the check and the deposit when accepting the deposit process with money and the deposit amount with the check and money becomes 0 (zero) In addition, it is determined that there is no problem in the total result.

  If it is determined that there is no problem in the totalization processing result, the check stored in the temporary storage unit 17 is stored in the storage unit 18 (step S13 in FIG. 6). This completes a series of check processing.

  When the halfway storage (step S8) is performed in the middle of the check processing, the stored check related information 20C about the halfway stored check and the check related information 20B about the check processed after the halfway storage are stored in the storage unit. 20 and stored separately. After it is determined that there is no problem in the totalization processing result (step S12; Yes), the check related information 20C stored on the way is integrated into the check related information 20B, and all the checks that are stored in the middle and after the intermediate storage, that is, one transaction. Check related information 20B corresponding to the minute check is generated.

  When the check processing is completed, information such as the number of checks and the total amount of the check amount is printed from the securities depositing device 10 or a printer included in the management device connected to the securities depositing device 10, or from the securities depositing device 10. It is transmitted to the management device or money handling device 30. Similarly, the check related information 20B stored in the storage unit 20 may be transmitted to the management apparatus or the money handling apparatus 30 as information related to a check for one transaction.

  On the other hand, if it is determined that there is a problem in the totalization processing result (step S12; No), a cancellation process (step S14) for canceling the deposit by check is performed. When the cancel process is performed, the check stored in the temporary storage unit 17 is returned from the discharge port 16 (step S15). Further, the check related information 20B such as a check image and a check amount stored in the storage unit 20 for the returned check is deleted, and the check processing is completed. At this time, when halfway storage (step S8) is performed, the halfway stored check related information 20C relating to the check stored halfway in the storage unit 18 is retained in the storage unit 20 without being erased. Also, the check stored in the storage unit 18 is not returned and is held in the storage unit 18.

  When the check deposit is canceled (step S14), the person in charge of the securities depositing apparatus 10 visually confirms the number of returned checks and the like, and then places the returned check on the insertion slot 13 again. Perform check deposit processing.

  FIG. 7 is a flowchart showing a flow of a check deposit process performed as reprocessing. When the check is reprocessed, the person in charge ID is first requested (step S20). In the storage unit 20, data is stored in association with the person-in-charge ID. When the person-in-charge ID is input from the operation display unit 11, the control unit 19 searches for the stored check related information 20C associated with the person-in-charge ID (step S21).

  If the related halfway stored check related information 20C is stored, it is read from the storage unit 20 and displayed on the operation display unit 11 (step S22). After that, as shown in FIG. 11, the check display for reprocessing is started while displaying information 122 such as the number of stored checks and the amount of money on the operation display unit 11 (step S23). Thereby, the check stored on the way and the check for reprocessing can be processed as a check included in the same transaction.

  On the other hand, if the halfway stored check related information 20C related to the person-in-charge ID is not stored (step S21; No), the check processing is started as usual (step S23).

  The subsequent check processing is the same as the processing described with reference to FIG. Note that the check reprocessing is performed according to the flow after the completion of step S8 in FIG.

  In addition, although the example which operates the storage button provided in the operation display part 11 and approves intermediate storage was demonstrated, a present Example is not limited to this, The predetermined intermediate storage conditions are satisfy | filled. If it is, it may be automatically stored in the storage unit, for example, receiving an instruction to approve storage from an external device such as a cash processing machine or a host server connected to be communicable. It may be a mode that is stored in the middle.

  As described above, according to this embodiment, even when a check exceeding the upper limit number of sheets that can be stored in the temporary storage unit 17 is processed, by storing the check of the temporary storage unit 17 in the storage unit 18 halfway, Check processing can be continued. For this reason, it is not necessary to divide the check into a plurality of times so as not to exceed the upper limit number of sheets, and there is no limit on the number of checks processed as one transaction, so that the deposit process can be performed efficiently.

  In addition, an intermediate storage determination condition is set as a condition that can be stored in the middle, and if it is determined that there is a problem with the check information read from the check without satisfying the condition, the intermediate storage is performed after checking the check information. As a result, it is possible to avoid as much as possible a situation in which a problem occurs after halfway storage and a check stored in the storage unit is taken out again and checked. In addition, check information to be used for intermediate storage determination conditions can be arbitrarily selected, so that it is possible to set conditions according to the operation of the user of the securities depositing apparatus 10. Also, a plurality of halfway storage determination conditions can be set, and conditions can be selected and used from a plurality of preset conditions, so that flexible handling according to the type of check and the like is possible.

  In addition, since information related to checks stored in the middle is stored in the storage unit 20 and can be used when reprocessing is performed after the deposit process is canceled, the checks stored in the storage unit 18 are used. Reprocessing can be performed without taking out.

  In the storage unit 20, check information is stored in association with the person-in-charge ID, and when the person-in-charge ID is input, information on the check that has been stored on the way is displayed on the operation display unit 11. . In addition, by associating with the person-in-charge ID, it is possible to prevent other persons in charge from using information related to checks that have been stored on the way.

  As described above, the present invention is a technique useful for processing a large amount of checks using a securities depositing apparatus having a temporary holding unit in a financial institution such as a bank.

DESCRIPTION OF SYMBOLS 10 Securities depositing apparatus 11 Operation display part 12 Main body part 13 Input port 14 Transport part 15 Sensor part 16 Ejection port 17 Temporary holding part 18 Storage part 19 Control part 19A Reading process part 19B Transport control part 19C Intermediate storage condition determination part 19D Totaling Processing unit 19E Check information correction unit 20 Storage unit 20A Intermediate storage determination condition 20B Check related information 20C Intermediate stored check related information 21 Communication unit 30 Money processing device 101 Check image 101a Exchange information 101b Financial institution information 101c Check amount 101d Information 101e Clear Band

Claims (10)

A slot for depositing securities to be deposited;
A transport unit for transporting the securities entered into the slot;
A sensor unit for generating an image from the securities transported by the transport unit;
A reading processor that reads securities information from the securities image generated by the sensor unit;
A storage unit for storing the securities after the deposit processing;
Until the storage instruction for storing the securities in the storage unit is made, a temporary holding unit for temporarily storing the securities,
The storage instruction is made in response to the fact that the number of securities stored in the temporary storage unit has reached a preset upper limit number and the securities to be stored in the temporary storage unit cannot be stored. In this case, the securities stored in the temporary storage unit are transported to the storage unit and stored in the middle, and the securities that could not be stored are stored in the temporary storage unit and the deposit processing is continued. And a securities depositing apparatus, comprising:   The control unit stores the securities stored in the temporary storage unit in the storage unit only when the securities stored in the temporary storage unit satisfy a predetermined intermediate storage determination condition. The securities depositing apparatus according to claim 1, wherein:   3. The midway storage determination condition is that at least one of information on an amount, an exchange number, or a financial institution number included in the securities image is normally read. Securities deposit device described in 1. A storage unit for storing information read from the securities by the reading processing unit;
When the securities stored in the temporary storage unit are stored in the storage unit, the control unit stores the information stored in the storage unit corresponding to the securities stored in the middle and stored in the middle. 4. The securities depositing apparatus according to claim 1, wherein the information read from the securities processed later is stored so as to be distinguishable. An operation unit including a storage button for giving a storage instruction to store the securities stored in the temporary storage unit in the storage unit before finishing the depositing process;
A display unit for notifying information on the temporary holding unit,
When there is information that does not satisfy the halfway storage determination condition, the control unit displays the information and the securities image obtained by reading the information on the display unit, and based on an operation by the operation unit. 5. The securities depositing apparatus according to claim 2, wherein the information is corrected.   Based on the information stored in the storage unit, the control unit displays, on the display unit, information on the number or amount of the securities stored halfway in the storage unit on the display unit. 5. The securities depositing apparatus according to claim 4, wherein the securities depositing apparatus is displayed so as to be distinguishable from information relating to securities.   7. The securities according to claim 4 or 6, wherein the control unit stores information read from the securities in association with identification information for identifying a person in charge of processing the securities in the storage unit. Deposit device. An image generation step for generating an image from the securities put in the slot;
An information reading step of reading information from the securities image generated by the image generation step;
Temporary storage step of temporarily storing the securities in the temporary holding unit until an instruction to store the securities in the storage unit is made,
A determination step of determining whether or not the number of the securities stored in the temporary holding unit has reached a preset upper limit number;
When it is determined that the number of the securities stored in the temporary storage unit has reached the upper limit number in the determination step and a storage instruction is made on the way, the stored unit in the temporary storage unit An intermediate storage step for transporting the securities to the storage unit and storing them on the way;
And a continuation processing step of continuing the processing by restarting the processing of the securities inserted into the insertion slot after the securities can be stored in the temporary holding unit by the intermediate storage step. Securities deposit method characterized by The intermediate storage step includes
A determination step of determining whether or not information related to the securities stored in the temporary holding unit has been normally read by the information reading step;
9. The securities according to claim 8, wherein the securities already stored in the temporary holding unit are stored in the storage unit halfway only when it is determined in the determination step that the information has been normally read. Payment method. The intermediate storage step includes
An information correcting step of correcting the information when the determining step determines that the information is not normally read; and
10. The securities depositing method according to claim 9, wherein after the information is corrected by the information correcting step, the securities stored in the temporary storage unit are stored in the storage unit on the way.

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