JP2014002488A - Passbook handling device, passbook handling method and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a technology for easily printing arbitrary memo information to a passbook.SOLUTION: An automatic transaction device 10 to be a passbook handling device includes: extraction means 31 of extracting content handwritten in a passbook and generating addition printing candidates; storage control means 32 of storing the addition printing candidates generated by the extraction means 31 into storage means 33; display control means 34 of displaying the addition printing candidates stored into the storage means 33 on display means; printing candidate specification means 35 of specifying an addition printing candidate selected by a user from the addition printing candidates displayed on the display means; and printing means 37 of printing the addition printing candidate specified by the printing candidate specification means 35 to the passbook.

Description

  The present invention relates to a banknote handling apparatus that handles bankbooks such as ATM (Automatic Teller Machine), a bankbook handling method for bankbooks used in ATMs, and a banknote handling apparatus that handles bankbooks such as ATMs.

  At present, the information printed on the passbook by ATMs of financial institutions is limited to predetermined fixed information (hereinafter referred to as transaction information) such as transaction amount and transaction date and time. However, with such transaction information, for example, there is a potential demand for printing personal information (hereinafter referred to as memo information) such as a transaction purpose on a passbook.

  A technique related to such a potential requirement is disclosed in, for example, Patent Document 1. In Patent Document 1, a function that prints an arbitrary comment input by a user on a passbook, and money usage (positioning) information corresponding to a button selected by the user from a plurality of buttons displayed on the screen are passed to the passbook. An automatic transaction apparatus having a printing function is disclosed.

JP-A-8-235280

  According to the automatic transaction apparatus disclosed in Patent Document 1, an arbitrary comment can be input and printed on a passbook. However, since the user needs to input a comment from the software keyboard displayed on the screen of the automatic transaction apparatus, it takes time and effort to input the comment. As a result, the waiting time for using the automatic transaction apparatus becomes long.

  Moreover, according to the automatic transaction apparatus disclosed in Patent Document 1, the usage of money can be easily printed on the passbook simply by selecting and pressing a button for selecting a usage displayed on the screen. . However, since the usage that can be printed on the passbook is limited to the predetermined usage corresponding to the buttons displayed on the screen of the automatic transaction apparatus, the information that the user wants to print may not be printed on the passbook. Absent.

  In light of the above circumstances, an object of the present invention is to provide a technique for easily printing arbitrary memo information on a passbook.

  One aspect of the present application is an extraction unit that extracts content handwritten in a passbook to generate additional print candidates, a storage control unit that stores additional print candidates generated by the extraction unit in a storage unit, and the storage unit Display control means for displaying additional print candidates stored in the display means, print candidate specifying means for specifying additional print candidates selected by the user from the additional print candidates displayed on the display means, and There is provided a bankbook handling apparatus comprising: a printing unit that prints an additional printing candidate specified by a printing candidate specifying unit on the bankbook.

  According to another aspect of the present application, an extraction step of extracting contents handwritten in a passbook to generate additional print candidates, a storage control step of storing additional print candidates generated in the extraction step in a storage unit, and the storage A display control step for causing the display means to display additional print candidates stored in the means; a print candidate specifying step for specifying an additional print candidate selected by the user from among the additional print candidates displayed on the display means; There is provided a passbook handling method comprising: a print step for printing an additional print candidate specified in the print candidate specifying step on the passbook.

  According to still another aspect of the present application, the computer is configured to extract the content handwritten in the passbook to generate an additional print candidate, a storage control unit that stores the additional print candidate generated by the extraction unit in the storage unit, Display control means for displaying additional print candidates stored in the storage means on the display means, print candidate specifying means for specifying additional print candidates selected by the user from the additional print candidates displayed on the display means, Provided is a program that functions as a printing unit that prints the additional printing candidate specified by the printing candidate specifying unit on the bankbook.

  According to the present invention, it is possible to provide a technique for easily printing arbitrary memo information on a passbook.

It is a block diagram of the automatic transaction apparatus which concerns on one Embodiment of this invention. It is a functional block diagram of the automatic transaction apparatus illustrated by FIG. It is a flowchart of the passbook process performed with the automatic transaction apparatus illustrated by FIG. It is the figure which illustrated the passbook insertion screen displayed on the automatic transaction apparatus illustrated by FIG. It is the figure which illustrated the additional printing selection screen displayed on the automatic transaction apparatus illustrated by FIG. It is the figure which illustrated the additional printing selection detail screen displayed on the automatic transaction apparatus illustrated by FIG. It is the figure which illustrated the entry column of the passbook inserted in the automatic transaction apparatus illustrated by FIG. It is the figure which illustrated the data structure of the magnetic stripe of the passbook inserted in the automatic transaction apparatus illustrated by FIG. It is the figure which illustrated the structure of the database of the host computer which communicates with the automatic transaction apparatus illustrated by FIG. It is the figure which illustrated the message | telegram which exchanges an additional printing candidate between the automatic transaction apparatus illustrated in FIG. 1, and a host computer.

  FIG. 1 is a configuration diagram of an automatic transaction apparatus according to an embodiment of the present invention. The automatic transaction apparatus 10 illustrated in FIG. 1 is capable of handling a passbook that can print arbitrary memo information in a passbook in addition to normal transaction information such as the result of performing an account transaction by communicating with the host computer 100. Device. The configuration of the automatic transaction apparatus 10 will be described with reference to FIG.

  As illustrated in FIG. 1, the automatic transaction apparatus 10 includes an insertion port 11 into which the bankbook 1 is inserted, and a conveyance path 12 extending from the insertion port 11 toward the inside of the apparatus. Are taken along the transport path 12 to image the MS strip 14 for reading and writing with respect to the magnetic stripe (hereinafter referred to as MS) of the passbook 1, and the text in the passbook, characters in the obtained image, An OCR unit 15 for recognizing characters such as numbers and symbols, a printing unit 16 for printing transaction information and memo information in the entry field of the passbook 1, and a turning unit 17 for turning the pages of the passbook 1 are provided.

  The automatic transaction apparatus 10 further receives the display unit 18 that displays the operation screen, the screen display processing unit 19 that displays the operation screen on the display unit 18, the input unit 20 that receives the user's operation, and the input unit 20. A user screen operation management unit 21 that detects a user's operation, a host communication unit 22 that exchanges various data with the host computer 100 via the network 200, and a CPU (Central Control Unit) that controls the operation of the automatic transaction apparatus 10. Processing Unit) 23 and a memory 24 for storing information necessary for the operation of the automatic transaction apparatus 10.

  Here, the display unit 18 is, for example, a liquid crystal display (LCD), and the screen display processing unit 19 is, for example, a drive control unit of the LCD. Further, the input unit 20 is, for example, a touch panel arranged on a liquid crystal display, and the user screen operation management unit 21 detects, for example, an analog signal from the touch panel and converts it into a digital signal to convert the operation signal. It is a circuit to output. The memory 24 is, for example, a RAM (Random Access Memory), a ROM (Read Only Memory), an HDD (Hard Disk Drive), or the like. The memory 24 stores a control program for the automatic transaction apparatus 10 and various data necessary for its execution. The memory 24 is also used as a work space during program execution.

  FIG. 2 is a functional block diagram of the automatic transaction apparatus shown in FIG. With reference to FIG. 2, the function of the automatic transaction apparatus 10, in particular, the function of printing arbitrary memo information on a passbook will be described.

  As illustrated in FIG. 2, the automatic transaction apparatus 10 extracts contents handwritten in the passbook 1 and prints them as memo information in the passbook 1 from the extracted contents (hereinafter, referred to as additional print candidates). Extraction means 31 for generating the image, storage control means 32 for storing the additional print candidates generated by the extraction means 31 in the storage means 33, and display control means for displaying the additional print candidates stored in the storage means 33 on the display means 34, a print candidate specifying means 35 for specifying an additional print candidate selected by the user from the additional print candidates displayed on the display means, and an additional print candidate specified by the print candidate specifying means 35 in the passbook 1. The print position specifying means 36 for specifying the position of the passbook 1 selected by the user as the print position, and the additional print candidates specified by the print candidate specifying means 35 are used as the print position specifying means. And a, a printing means 37 for printing on the position of the passbook 1 that is identified by 36.

  Here, the extracting means 31, the storage control means 32, the display control means 34, and the printing means 37 in FIG. 2 are respectively the CPU 23 and the OCR section 15, the CPU 23 and the host communication section 22, the CPU 23 and the screen display in FIG. This is realized by the processing unit 19, the CPU 23, and the printing unit 16. 2 is realized by the CPU 23 and the user screen operation management unit 21, for example. Furthermore, the storage means 33 in FIG. 2 is the database 101 of the host computer 100, for example.

  In the automatic transaction apparatus 10, when the passbook 1 is inserted into the automatic transaction apparatus 10, the extraction means 31 extracts the contents (letters, numbers, symbols, etc.) handwritten in the passbook 1 inserted into the automatic transaction apparatus 10. Then, additional print candidates are generated from the extracted contents. The storage control unit 32 causes the storage unit 33 to store the generated additional print candidate.

  Thereafter, when the user selects to print the memo information on the passbook in addition to the normal transaction information, the display control means 34 displays the additional print candidates stored in the storage means 33 on the display means. Further, when the user selects an additional print candidate to be printed from the displayed additional print candidates and a position in the passbook 1 where the print candidate is to be printed, the additional print candidate selected by the user is selected by the print candidate specifying means 35. The print position specifying means 36 specifies the position of the passbook 1 selected by the user, and the printing means 37 prints the specified additional print candidate at the specified position.

  As described above, the automatic transaction apparatus 10 has a function of printing the contents handwritten in the passbook 1 on the passbook in addition to the normal transaction information. Further, since the user can hand-write arbitrary memo information in the passbook 1, the automatic transaction apparatus 10 has a function of printing arbitrary memo information on the passbook 1.

  FIG. 3 is a flowchart of a passbook process performed by the automatic transaction apparatus illustrated in FIG. 4A to 4C are diagrams illustrating various screens displayed on the automatic transaction apparatus illustrated in FIG. FIG. 5 is a diagram illustrating an entry field of a passbook inserted in the automatic transaction apparatus illustrated in FIG. FIG. 6A is a diagram illustrating a data structure of a magnetic stripe of a passbook inserted in the automatic transaction apparatus illustrated in FIG. FIG. 6B is a diagram illustrating a database structure of a host computer that communicates with the automatic transaction apparatus illustrated in FIG. 1. FIG. 6C is a diagram illustrating a message for exchanging additional print candidates between the automatic transaction apparatus illustrated in FIG. 1 and the host computer. With reference to FIG. 3 to FIG. 6C, the passbook process performed by the automatic transaction apparatus 10, in particular, the car process for printing the contents handwritten on the passbook 1 in addition to the normal transaction information on the passbook will be described in detail.

  First, the processing of the automatic transaction apparatus 10 is started by the CPU 23 reading and executing a control program stored in the memory 24. Then, when the user inserts the passbook 1 into the automatic transaction apparatus 10 from the insertion slot 11 in a state where the passbook insertion screen illustrated in FIG. 4A is displayed on the display unit 18 of the automatic transaction apparatus 10, the MS unit 14 Under the control of the CPU 23, the magnetic stripe (MS) of the bankbook 1 is read, and data having the configuration illustrated in FIG. 6A (hereinafter referred to as MS data) is acquired (step S1). The acquired MS data is temporarily stored in the memory 24.

  Here, as illustrated in FIG. 6A, the data stored in the passbook MS used in the automatic transaction apparatus 10 is, for example, a field including information for specifying the account of the passbook 1 (bank number field, Customer number field, account number field), passbook balance field, and remaining print line field.

  When the MS reading process by the MS unit 14 is completed, the OCR unit 15 reads the entry column of the bankbook 1 according to the control of the CPU 23 (step S2). More specifically, the OCR unit 15 acquires, for example, an image in a bookkeeping field as illustrated in FIG. 5 and performs data recognition processing on the acquired image (hereinafter referred to as OCR data). Is temporarily stored in the memory 24. The above processing is from the first page of the entry column of the passbook 1 to the page including the last printed line specified by the remaining print line of the MS data acquired in step S1 (hereinafter referred to as the current page). , Is performed on the subject.

  Thereafter, the CPU 23 extracts the handwritten content from the OCR data generated by the OCR unit 15, and generates additional print candidates from the extracted content (step S3). More specifically, the CPU 23 compares the OCR data with the data printed in the passbook 1 acquired from the host computer 100, takes a difference, and generates an additional print candidate from the difference.

  As illustrated in FIG. 6B, the database 101 of the host computer 100 includes, for example, fields (bank number field, customer number field, account number field, bankbook balance field) including information for identifying an account, transaction details, and the like. The transaction field includes information indicating information, and the print candidate field including additional print candidates. The transaction field includes more detailed fields (date, date, type, amount, passbook printing, remarks). The printed data to be compared with the OCR data in step S3 is a set of data in which the value of the passbook print field in the transaction field is “Done”.

  On the other hand, the OCR data to be compared with the data printed in step S3 is data obtained by removing the portion printed from the beginning of the passbook from the information printed in the entry field of the passbook. That is, the OCR data includes data printed by the automatic transaction apparatus 10 and handwritten data excluding a portion printed in the dropout color (the frame line L, the column heading C1, and the row heading R1 shown in FIG. 5). Consists of.

  For this reason, the handwritten content (hereinafter referred to as handwritten data) is extracted by subtracting the printed data from the OCR data and taking the difference. That is, if the bankbook entry field illustrated in FIG. 5 is processed, the handwritten memo 51 handwritten as “vehicle inspection” and the handwritten memo 52 handwritten as “celebration” are extracted as handwritten data. The CPU 23 generates one or more additional print candidates from the extracted handwritten data, for example, with the handwritten memo 51 as the additional print candidate 1 and the handwritten memo 52 as the additional print candidate 2.

  When the additional print candidate is generated, the CPU 23 generates a message including the additional print candidate, and the host communication unit 22 transmits the message to the host computer 100 for storage in the database 101 (step S4).

  The message exchanged between the automatic transaction apparatus 10 and the host computer 100 in step S4 is, for example, a message type field, a field including information for identifying an account (bank number field, Customer number field, account number field) and additional print candidate field. In the message type field, data of a type indicating that the additional print candidate is transmitted, and in the bank number field, the customer number field, and the account number field, the data corresponding to the MS data acquired in step S1, The additional print candidate 1 and the additional print candidate 2 in the additional print candidate field include the handwritten memo 51 (“vehicle inspection”) and the handwritten memo 52 (“celebration”) extracted in step S3, respectively.

  When the host computer 100 receives the message transmitted in step S4, as illustrated in FIG. 6B, the host computer 100 identifies the account in the database 101 based on the bank number field, customer number field, and account number field data in the message, The additional print candidate 1 (“vehicle inspection”) and the additional print candidate 2 (“celebration”) included in the additional print candidate field of the message are added to the print candidate field of the account.

  When a normal account transaction is performed in the automatic transaction apparatus 10 according to the user's operation (step S5), the screen display processing unit 19 displays an additional print selection screen illustrated in FIG. Let Thereafter, the input unit 20 and the user screen operation management unit 21 monitor input related to the necessity of an instruction for additional printing to the passbook 1 by the user.

  When the user presses the button 42 illustrated in FIG. 4B, the user screen operation management unit 21 detects the pressing of the button 42 by the user. In response to this, the CPU 23 determines that the additional printing on the bankbook 1 is unnecessary (step S6, NO), returns the bankbook from the insertion slot 11, and ends the bankbook process.

  On the other hand, when the user presses the button 41 illustrated in FIG. 4B, the user screen operation management unit 21 detects the pressing of the button 41 by the user. In response to this, the CPU 23 determines that additional printing on the bankbook 1 is necessary (step S6, YES). The CPU 23 requests the additional print candidates registered in the database 101 in association with the account corresponding to the MS data acquired in step S1 from the host computer 100 via the host communication unit 22, and the additional print candidates. Is received from the host computer 100 (step S7).

  The message exchanged between the automatic transaction apparatus 10 and the host computer 100 in step S7 has the configuration illustrated in FIG. 6C, similar to the message sent in step S4. However, in the message type field, data of a type indicating that the additional transaction candidate is received by the automatic transaction apparatus 10 is stored in the additional print candidate 1 to the additional print candidate 4 in the additional print candidate field. The point that “purchase”, “wedding celebration”, “vehicle inspection”, and “celebration” are included is different from the message transmitted in step S4.

  When the electronic message is received, the screen display processing unit 19 displays an additional print selection detail screen illustrated in FIG. 4C on the display unit 18 according to the control of the CPU 23 (step S8), and a candidate to be additionally printed by the user is displayed. Prompts selection and selection of print position. The additional print selection detail screen is composed of an area for displaying the image of the passbook 1 and an area for displaying all additional print candidates included in the message.

  After that, the user screen operation management unit 21 monitors input related to selection of additional print candidates by the user according to the control of the CPU 23 (step S9).

  In the area for displaying additional print candidates on the additional print selection detail screen illustrated in FIG. 4C, all the additional print candidates registered in the database 101 are displayed in a list, and “Other” is displayed at the end of the list. Is displayed. The user can select a candidate by moving the shade 44 to the candidate to be additionally printed. If “others” is selected, a software keyboard (not shown) is displayed on the display unit 18. The user may input and select an arbitrary character not displayed in the list as an additional print candidate using the software keyboard.

  When the user screen operation management unit 21 detects selection of an additional print candidate by the user and identifies the selected additional print candidate, the CPU 23 temporarily stores the identified additional print candidate in the memory 24. And the user screen operation management part 21 monitors the input regarding selection of the additional printing position by a user according to control of CPU23 (step S10).

  In the area of the passbook image displayed on the additional print selection detail screen illustrated in FIG. 4C, for example, the passbook image is displayed in units of one page. By pressing the buttons 45 and 46, the previous page and the next page are displayed. A passbook image can be displayed. The user can designate the position for printing the character to be additionally printed, using the cursor 43 in the area for displaying the passbook image.

  When the user screen operation management unit 21 detects the selection of the additional print position by the user and specifies the position, the CPU 23 temporarily stores the specified additional print position in the memory 24. Then, the printing unit 16 prints additional print candidates stored in the memory 24 at the additional print position according to the control of the CPU 23 (step S11). Thereafter, the passbook is returned from the insertion slot 11, and the passbook process is completed.

  The user can freely write personal information in the passbook 1. Further, the contents handwritten by the user in the bankbook 1 are extracted by the automatic transaction apparatus and stored as additional print candidates in the database 101 of the host computer 100 for each user (more strictly, for each account). Further, the additional print candidates for each user (for each account) stored in the database 101 are displayed on the display unit 18 of the automatic transaction apparatus 10 when the user desires additional printing. Therefore, according to the automatic transaction apparatus 10, it is possible to print any memo information simply by selecting any additional print candidate from the displayed additional print candidates, and easily print any memo information on the passbook. can do.

  The handwriting action for writing personal information to the bankbook 1 is not limited to the business hours of the financial institution or the available time of the automatic transaction apparatus 10, and can be performed anywhere as long as the bankbook 1 is available. In other words, time and place are not limited. For this reason, according to the automatic transaction apparatus 10, it is possible to perform handwriting to the passbook 1 which is preparation for registration of additional printing candidates at a time and place convenient for the user, and to improve user service. Can do.

  In addition, it is generally considered that the memo information that the user desires to print is not so much when viewed in units of users. In addition, since the contents once handwritten in the passbook are registered in the database 101, it is not necessary to rewrite the same contents in the passbook 1 again. For this reason, according to the automatic transaction apparatus 10, compared with the case where arbitrary memo information cannot be printed with an automatic transaction apparatus and the user has written everything in the passbook 1 by handwriting, Characters handwritten in the column can be reduced. Accordingly, it is possible to reduce a situation in which the appearance of the entry field of the passbook 1 is deteriorated due to handwritten characters or the like.

  Further, since each user writes and uses the additional print candidate in the passbook 1, the automatic transaction apparatus 10 does not need to prepare and manage the additional print candidate in advance. Therefore, according to the automatic transaction apparatus 10, since maintenance work such as expansion or change of additional print candidates is not required, arbitrary memo information is printed on the passbook without imposing a burden on the administrator of the automatic transaction apparatus 10. be able to.

  In the above, an example is shown in which when the passbook is inserted into the automatic transaction apparatus 10, the process of extracting the handwritten content is performed on all pages of the entry field of the passbook 1, but all pages are not necessarily displayed. There is no need to perform the extraction process on the. The extraction process may be executed only for pages for which the extraction process has not yet been executed. By limiting the range in which the extraction process is executed, the processing time can be shortened. In this case, data related to pages on which extraction processing has been performed may be recorded in the MS of the passbook 1. On the other hand, when performing extraction processing for all pages, even if the user has handwritten on a page that has already been extracted, the handwritten content can be extracted and used as an additional print candidate. . Therefore, it is desirable that the automatic transaction apparatus 10 can freely set the target of the extraction process, and can set a range (for example, the previous three pages) as a target of the extraction process based on the current page. It may be configured to be able to.

DESCRIPTION OF SYMBOLS 1 Passbook 10 Automatic transaction apparatus 11 Insertion port 12 Carriage path 14 MS part 15 OCR part 16 Printing part 17 Turning part 18 Display part 19 Screen display process part 20 Input part 21 Customer screen operation management part 22 Host communication part 23 CPU
24 memory 31 extraction means 32 storage control means 33 storage means 34 display control means 35 print candidate specification means 36 print position specification means 37 printing means 41, 42, 45, 46 buttons 43 cursor 44 shaded 51, 52 handwritten memo 100 host computer 101 database 200 network

Claims (5)

Extraction means for extracting the content handwritten in the passbook and generating additional print candidates;
Storage control means for storing additional print candidates generated by the extraction means in a storage means;
Display control means for causing the display means to display additional print candidates stored in the storage means;
Print candidate specifying means for specifying an additional print candidate selected by the user from among the additional print candidates displayed on the display means;
A passbook handling apparatus, comprising: a printing unit configured to print an additional print candidate specified by the print candidate specifying unit on the passbook. In the bankbook handling device according to claim 1,
The passport handling apparatus, wherein the extraction unit generates an additional print candidate from a difference between information obtained by performing a character recognition process on an image of the passbook and information printed on the passbook. In the bankbook handling device according to claim 2, further comprising:
Print position specifying means for specifying the position selected by the user as the position for printing the additional print candidate specified by the print candidate specifying means on the passbook,
The passbook handling apparatus, wherein the printing unit prints the additional print candidate specified by the print candidate specifying unit at a position specified by the print position specifying unit. An extraction step for extracting the content handwritten in the passbook and generating additional print candidates;
A storage control step for storing additional print candidates generated in the extraction step in a storage means;
A display control step of causing the display means to display the additional print candidates stored in the storage means;
A print candidate specifying step for specifying an additional print candidate selected by the user from the additional print candidates displayed on the display means;
A passbook handling method comprising: a print step of printing an additional print candidate specified in the print candidate specifying step on the passbook. An extraction means for generating additional print candidates by extracting contents handwritten in a passbook from a computer;
Storage control means for storing additional print candidates generated by the extraction means in a storage means;
Display control means for causing the display means to display additional print candidates stored in the storage means;
Print candidate specifying means for specifying an additional print candidate selected by the user from among the additional print candidates displayed on the display means;
A program for causing an additional print candidate specified by the print candidate specifying means to function as a printing means for printing on the passbook.