JP2019185087A - Passbook processing device and information processing system - Google Patents

Abstract

To improve the security when processing a passbook on the basis of image information.SOLUTION: A passbook processing device 10 includes a control unit 11, an image reading unit 12, a magnetic reading unit 13, a printing unit 14, and a memory unit 15. The image reading unit 12 reads image information of an inserted passbook 40. The magnetic reading unit 13 reads magnetic information from a magnetic information recording unit 41 included in the passbook 40. The printing unit 14 prints on the passbook 40. The control unit 11 specifies a financial institution according to the image information, acquires specification information 31 corresponding to the financial institution, acquires first account specified information that specifies an account of the passbook 40 from the image information on the basis of the specification information 31, acquires second account specified information that specifies the account of the passbook 40 from the magnetic information, acquires entry information that is information for the entry to the passbook 40 on the basis of the first account specified information when the first account specified information coincides with the second account specified information, and instructs the printing unit 14 to print the entry information on the passbook 40.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a passbook processing apparatus and an information processing system.

  2. Description of the Related Art An automated teller machine (ATM; Automated Teller Machine, hereinafter referred to as ATM) used in a financial institution or the like is known as a transaction apparatus that performs financial transactions. The customer uses the ATM to deposit and withdraw cash, transfer money, book a passbook, and so on. In addition, a bookkeeping machine is known as a device for writing a passbook.

  Passbook specifications (barcode position for recognizing the page to be booked, setting position of magnetic information given to the passbook, etc.) are different for each financial institution, so the ATM of the financial institution that issued the passbook and the notepad Without it, we couldn't make a book.

  In order to support passbooks with different specifications at each financial institution, the image data acquired from the passbook is compared with the image data of the passbook stored in advance to determine the financial institution, and passbook printing is performed based on the passbook specification corresponding to the financial institution Techniques for controlling the mechanism are known.

JP 2002-230625 A

  However, the conventional technology is based on the premise that transactions are made with a passbook issued by a financial institution, and there is a response when a forged passbook is used when handling a passbook with different specifications for each financial institution. It wasn't done.

  In recent years, image printing techniques such as scanners and color printers have improved, and passbooks are easily forged. For this reason, when handling a plurality of passbooks based only on the passbook image information, it is difficult to determine whether or not the passbook has been forged, and there is a possibility that an unauthorized operation will be performed by the forged passbook There is.

In order to cope with such a situation, a technique capable of improving security when processing a passbook based on image information is desired.
In one aspect, an object of the present invention is to provide a passbook processing apparatus and an information processing system capable of improving security when processing a passbook based on image information.

  In order to achieve the above object, a passbook processing apparatus as shown below is provided. The passbook processing apparatus includes an image reading unit, a magnetic reading unit, a printing unit, and a control unit. The image reading unit reads image information of the inserted bankbook. The magnetic reading unit reads magnetic information from a magnetic information recording unit provided in the passbook. The printing unit prints on the passbook. The control unit specifies a financial institution from the image information, acquires specification information corresponding to the financial institution, acquires first account specifying information for specifying a passbook account from the image information based on the specification information, and magnetic information 2nd account specific information which specifies the account of a passbook from information, and when the 1st account specific information and the 2nd account specific information correspond, the information which is booked in a passbook based on the 1st account specific information Is obtained, and the printing unit is instructed to print the book information on the book.

  According to one aspect, it is possible to improve security when processing a passbook based on image information.

It is a figure which shows an example of the information processing system of 1st Embodiment. It is a figure which shows an example of the information processing system of 2nd Embodiment. It is a figure which shows an example of the hardware constitutions of the host of 2nd Embodiment. It is a figure which shows an example of the hardware constitutions of ATM of 2nd Embodiment. It is a figure which shows an example of the hardware constitutions of the passbook processing unit of 2nd Embodiment. It is a figure which shows an example of the hardware constitutions of the bookkeeping machine of 2nd Embodiment. It is a figure which shows an example of the function of the information processing system of 2nd Embodiment. It is a figure which shows an example of the cover of the passbook of 2nd Embodiment. It is a figure which shows an example of the page of the passbook of 2nd Embodiment. It is a figure which shows an example of the specification information of 2nd Embodiment. It is a figure which shows an example of MS format of 2nd Embodiment. It is a figure which shows the flowchart of the passbook bookkeeping process of 2nd Embodiment (the 1). It is a figure which shows the flowchart of the passbook bookkeeping process of 2nd Embodiment (the 2).

Hereinafter, embodiments will be described in detail with reference to the drawings.
[First Embodiment]
First, the information processing system according to the first embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of an information processing system according to the first embodiment.

  The information processing system 50 includes a passbook processing device 10 and an information processing device 20. The passbook processing apparatus 10 and the information processing apparatus 20 are connected so as to be capable of information communication and accessible via a network. The network may be a wired network or a wireless network.

  The bankbook processing apparatus 10 is an apparatus that records an account transaction record in a bankbook 40 issued by a financial institution, and is, for example, an ATM or a bookkeeping machine. The bankbook processing apparatus 10 includes a control unit 11, an image reading unit 12, a magnetic reading unit 13, a printing unit 14, and a storage unit 15.

  The control part 11 controls the whole bankbook processing apparatus 10, for example, is a processor. The control unit 11 receives the inserted bankbook 40 and acquires account specifying information for specifying an account from the bankbook 40. The account specifying information includes at least the name of a financial institution that identifies the financial institution from which the bankbook 40 is issued, a subject that specifies the type of account of the financial institution, a branch number that specifies the branch that opened the account, and an account Includes an account number field for identifying. The control unit 11 acquires book information to be booked in the passbook 40 based on the account specifying information. The control unit 11 performs control to book the bookkeeping information in the passbook 40.

  The image reading unit 12 reads image information of the inserted bankbook 40. The image reading unit 12 is a processing unit having functions of a scanner and a camera, for example. The magnetic reading unit 13 reads magnetic information from the magnetic information recording unit 41 provided in the bankbook 40. The magnetic information recording unit 41 is, for example, a magnetic stripe given to the passbook 40. The printing unit 14 performs printing on the bankbook 40. The printing unit 14 is a processing unit having a printer function, for example. The storage unit 15 is an HDD (Hard Disk Drive), various memories, or the like provided in the passbook processing apparatus 10. The storage unit 15 stores various types of information necessary for the bookkeeping process of the bankbook 40.

  The information processing device 20 is a computer having a function of executing processing requested from the passbook processing device 10. The information processing apparatus 20 is, for example, a host computer that is managed and operated by a financial institution. The information processing apparatus 20 includes a control unit 21 and a storage unit 22. The information processing apparatus 20 also includes an input / output unit and the like for operation by a system administrator, but illustration thereof is omitted. The control unit 21 controls the entire information processing apparatus 20 and is, for example, a processor. The control unit 21 performs information communication with the passbook processing apparatus 10. In addition, the control unit 21 can store and read information from the storage unit 22. The control unit 21 receives a message (request message) requesting bookkeeping information, which is information to be booked in the bankbook, from the bankbook processing device 10, and executes a process according to the request. The storage unit 22 is an HDD or various memories provided in the information processing apparatus 20. The storage unit 22 stores information on accounts managed by financial institutions. Further, the storage unit 22 stores information necessary for writing the bankbook 40.

  The bankbook 40 is a booklet medium including a cover (a front cover and a back cover) and a book entry page for recording transaction contents. It is assumed that the name of the financial institution, the subject (account type), the branch number, and the account number are printed on the cover of the bankbook 40. The cover of the bankbook 40 is provided with a magnetic information recording unit 41. It is assumed that bookkeeping information is printed on the bookkeeping page of the bankbook 40 by the bankbook processing device 10.

Here, processing of the information processing system 50 will be described. It is assumed that the customer inserts the bankbook 40 into the bankbook processing apparatus 10 and performs bookkeeping.
The control unit 11 of the bankbook processing apparatus 10 receives the inserted bankbook 40. The control unit 11 captures the bankbook 40 via the image reading unit 12 and acquires image information. The control unit 11 recognizes characters in the image information to identify the financial institution, and acquires specification information 31 corresponding to the financial institution. The control unit 11 may acquire the specification information 31 from the information processing device 20, may acquire the specification information 31 from the storage unit 15, or may acquire the specification information 31 by other methods. Good.

  The specification information 31 is information stored in advance for each financial institution. The specification information 31 includes at least a financial institution name, subject print coordinates, branch number print coordinates, account number print coordinates, and data interface information. The name of the financial institution is the name of the financial institution that issued the bankbook 40. The subject print coordinates are subject coordinate information in the image information acquired by imaging the cover of the bankbook 40 and may be information that can specify the subject print position. The branch number printing coordinates are the coordinate information of the branch number in the image information acquired by imaging the cover of the bankbook 40, and may be information that can specify the printing position of the branch number. The account number printing coordinates are coordinate information of the account number in the image information acquired by imaging the cover of the passbook 40, and may be information that can specify the printing position of the account number. The data interface information is information including a message format and a code for the passbook processing device 10 to transmit and receive bookkeeping information to and from the information processing device 20.

  The control unit 11 acquires account specifying information (first account specifying information) for specifying the account of the passbook 40 from the image information based on the specification information 31. The control unit 11 acquires account specifying information (second account specifying information) for specifying the account of the passbook 40 from the magnetic information. The control unit 11 acquires book entry information, which is information to be entered in the passbook based on the first account specification information when the first account specification information and the second account specification information match, and the printing unit 14 An instruction is given to print the bookkeeping information on the passbook. When the first account specifying information and the second account specifying information do not match, the control unit 11 does not print on the passbook 40 in the passbook processing apparatus 10.

  In this way, the control unit 11 determines whether or not to execute the bookkeeping process according to the result of comparing the image information and the magnetic information. When the passbook 40 is forged and the image information and the magnetic information do not match, the control unit 11 does not execute the printing process (bookkeeping process) of the bookkeeping information on the passbook 40 and therefore avoids an operation using an unauthorized passbook 40. Can do.

Thus, the information processing system 50 can improve security when processing the passbook based on the image information.
[Second Embodiment]
Next, as a second embodiment, an information processing system in which the bankbook processing device 10 is applied to an ATM and a bookkeeping machine and the information processing device 20 is applied to a host will be described with reference to FIG. FIG. 2 is a diagram illustrating an example of an information processing system according to the second embodiment.

  An information processing system 300 in a financial institution or the like includes one or more ATMs 100 (one of which is shown in FIG. 2) or one or more book machines 200 (one of which is shown in FIG. 2). The financial equipment installation location 350 is a location where the ATM 100 or the bookkeeping machine 200 is installed, and is, for example, a convenience store, a retail store, an office building, or various facilities.

  The ATM 100 and the bookkeeping machine 200 are connected to the host 400 via the network 310. The ATM 100 and the bookkeeping machine 200 may be connected to the host 500 via the network 310 or may perform information communication with the host 500 via the host 400.

The ATM 100 includes a customer operation unit 120, a card / receipt unit 130, a passbook processing unit 140, a coin processing unit 150, a banknote processing unit 160, and a numeric keypad input unit 170.
The customer operation unit 120 includes a display and a touch panel, and performs transaction operation guidance and instruction reception.

  The card / receipt unit 130 inserts and discharges a card in a transaction using a card such as a cash card or a credit card. The card / receipt unit 130 discharges the receipt at the end of the transaction.

  The passbook processing unit 140 inserts and discharges the passbook when accepting the passbook, and prints the passbook as necessary. The coin processing unit 150 processes the delivery of coins during deposit and withdrawal transactions. The banknote processing unit 160 processes delivery of banknotes during deposit and withdrawal transactions.

  The numeric keypad input unit 170 includes buttons for inputting numbers and the like, and accepts customer instructions in cooperation with the touch panel of the customer operation unit 120. For example, the numeric keypad input unit 170 can accept input of a password for authenticating a cash card or the like, selection of financial transaction content, financial transaction amount, or the like.

  The bookkeeping machine 200 is a device having a function of writing a passbook. The bookkeeping machine 200 includes a customer operation unit 220 and a passbook processing unit 240. Since the customer operation unit 220 is substantially the same as the customer operation unit 120, description thereof is omitted. Since the passbook processing unit 240 is the same as the passbook processing unit 140, description thereof is omitted.

  The host 400 and the host 500 are computers operating at different financial institutions. The host 400 and the host 500 may be connected to the ATM 100 or the bookkeeping machine 200 through respective dedicated lines, and can perform information communication using encrypted communication via a wide area network. It is also possible to perform information communication by a method.

  The host 400 is a computer that performs information transmission / reception with the ATM 100 or the bookkeeping machine 200 and executes a program having a function of executing an accounting operation and managing the ATM 100 or the bookkeeping machine 200. Further, the host 400 receives transaction information from the ATM 100 and stores it in the database 420. The host 400 accepts a request for book information from the ATM 100 and the book machine 200 and responds with book information. The database 420 is a storage device that stores various types of information. Note that the host 500 is substantially the same as the host 400, and thus description thereof is omitted.

  Here, the operation when the customer performs the passbook entry at the ATM 100 will be described. It is assumed that the customer has selected the operation of the passbook entry in the customer operation unit 120. The ATM 100 reads the image information of the passbook inserted in the passbook processing unit 140, and identifies the financial institution and the account number from the image information. The ATM 100 reads a magnetic stripe attached to the bankbook and identifies a financial institution and an account number from the magnetic information. The ATM 100 determines whether the financial institution and account number specified from the image information are the same as the financial institution and account number specified from the magnetic information. When the ATM 100 is the same as a result of the determination, the ATM 100 requests the book information from the host of the specified financial institution (here, the host 400 is the host of the specified financial institution). The host 400 receives a request for book information from the ATM 100 and responds with book information. The ATM 100 receives the response of the book information from the host 400 and writes it in the passbook. The ATM 100 discharges the passbook entered from the passbook processing unit 140. The customer receives the discharged passbook and ends the passbook entry.

Next, the hardware configuration of the host according to the second embodiment will be described with reference to FIG. FIG. 3 is a diagram illustrating an example of a hardware configuration of the host according to the second embodiment.
The host 400 includes a control unit 410. The control unit 410 includes a processor 411, a RAM (Random Access Memory) 412, an HDD 413, an image signal processing unit 414, an input signal processing unit 415, a medium reader 416, and a communication interface 417. The entire host 400 is controlled by the processor 411. A RAM 412 and a plurality of peripheral devices are connected to the processor 411 via a bus 418. The processor 411 may be a multiprocessor. The processor 411 is, for example, a central processing unit (CPU), a micro processing unit (MPU), a digital signal processor (DSP), an application specific integrated circuit (ASIC), or a programmable logic device (PLD). The processor 411 may be a combination of two or more elements among the CPU, MPU, DSP, ASIC, and PLD.

  The RAM 412 is used as a main storage device of the host 400. The RAM 412 temporarily stores at least part of an OS (Operating System) program and application programs to be executed by the processor 411. The RAM 412 stores various data necessary for processing by the processor 411.

Peripheral devices connected to the bus 418 include an HDD 413, an image signal processing unit 414, an input signal processing unit 415, a medium reader 416, and a communication interface 417.
The HDD 413 magnetically writes and reads data to and from the built-in disk. The HDD 413 is used as an auxiliary storage device of the host 400. The HDD 413 stores an OS program, application programs, and various data. In addition, not only HDD413 but SSD (Solid State Drive) can also be used. As the auxiliary storage device, a semiconductor storage device such as a flash memory can be used.

  The image signal processing unit 414 outputs an image to the display 414 a connected to the host 400 in accordance with an instruction from the processor 411. As the display 414a, any type of display such as a CRT (Cathode Ray Tube) display, a liquid crystal display (LCD), a plasma display, an organic EL (OEL) display, or the like can be used.

  The input signal processing unit 415 acquires an input signal from the input device 415 a connected to the host 400 and outputs the input signal to the processor 411. As the input device 415a, any type of input device such as a mouse, a touch panel, a touch pad, a trackball, a keyboard, a remote controller, and a button switch can be used. A plurality of types of input devices may be connected to the host 400.

  The medium reader 416 is a reading device that reads a program and data recorded on the recording medium 419. As the recording medium 419, for example, a magnetic disk, an optical disk, a magneto-optical disk (MO), a semiconductor memory, or the like can be used. Magnetic disks include flexible disks (FD: Flexible Disk) and HDDs. The optical disc includes a CD (Compact Disc) and a DVD (Digital Versatile Disc).

  For example, the medium reader 416 copies a program or data read from the recording medium 419 to another recording medium such as the RAM 412 or the HDD 413. The read program is executed by the processor 411, for example. Note that the recording medium 419 may be a portable recording medium and may be used for distribution of programs and data. The recording medium 419 and the HDD 413 may be referred to as computer-readable recording media.

  The communication interface 417 is connected to the database 420 and the network 310. The communication interface 417 transmits / receives data to / from other computers, storage devices, or communication devices. The database 420 stores various types of information and can use the information by searching or extracting, and a storage system or the like may be used.

  With the hardware configuration as described above, the processing functions of the host 400 of the second embodiment can be realized. Note that the information processing apparatus 20 of the first embodiment and the host 500 of the second embodiment can also be realized by the hardware configuration of the host 400 shown in FIG.

In addition, said structure is an example and the combination of a structure part can be determined suitably. For example, unnecessary ones of the above configurations may be deleted.
The host 400 implements the processing functions of the second embodiment by executing a program recorded on a computer-readable recording medium, for example. A program describing the processing contents to be executed by the host 400 can be recorded in various recording media. For example, a program to be executed by the host 400 can be stored in the HDD 413. The processor 411 loads at least a part of the program in the HDD 413 into the RAM 412 and executes the program. In addition, a program to be executed by the host 400 can be recorded on a portable recording medium such as an optical disk, a memory device, or a memory card. The program stored in the portable recording medium can be executed after being installed in the HDD 413 under the control of the processor 411, for example. The processor 411 can also read and execute the program directly from the portable recording medium.

Next, the ATM of the second embodiment will be described with reference to FIG. FIG. 4 is a diagram illustrating an example of the hardware configuration of the ATM according to the second embodiment.
The ATM 100 includes a control unit 110, a display 120a, a touch panel 120b, a card / receipt processing unit 130a, a passbook processing unit 140a, a coin processing unit 150a, a banknote processing unit 160a, a numeric keypad processing unit 170a, and an interpersonal sensor. And a control unit 175a.

  The control unit 110 includes a processor 111, a RAM 112, a first HDD 113a, a second HDD 113b, an external communication interface 114, a display processing unit 115, a touch panel processing unit 116, and an I / O (Input / Output) control unit 117, each of which includes a bus 118. Connected through.

  The processor 111 controls the overall operation of the ATM 100. The processor 111 is, for example, a CPU or MPU. The processor 111 stores transaction history information including the banknote type and serial number (number for identifying banknotes) acquired via the banknote processing unit 160a in a storage unit such as the first HDD 113a or the second HDD 113b. In addition, the processor 111 transmits transaction history information to the host 400.

  The RAM 112 temporarily stores at least part of an OS program and application programs to be executed by the processor 111. The RAM 112 stores various data necessary for processing by the processor 111.

  The first HDD 113a and the second HDD 113b can store an OS, application programs, transaction history information, and the like. The first HDD 113a and the second HDD 113b are duplexed for system protection, but may be configured by only one of them. The first HDD 113a and the second HDD 113b can be replaced with other storage devices such as an SSD.

  The external communication interface 114 is connected to an external network 310 and transmits / receives data to / from the host 400 or the like. The external communication interface 114 can transmit and receive a personal identification number and transaction information to the host 400.

  A display 120 a is connected to the display processing unit 115. The display 120a constitutes the customer operation unit 120 together with the touch panel 120b. The display processing unit 115 displays various information such as operation guidance on the screen of the display 120a under the control of the processor 111.

  A touch panel 120b is connected to the touch panel processing unit 116. The touch panel 120b is formed in the upper layer of the display 120a. The touch panel processing unit 116 detects the position on the screen where the customer's finger touches or approaches the touch panel 120b, and notifies the processor 111 of it.

  Connected to the I / O control unit 117 are a card / receipt processing unit 130a, a passbook processing unit 140a, a coin processing unit 150a, a banknote processing unit 160a, a numeric keypad processing unit 170a, and an interpersonal sensor control unit 175a. Under the control of the processor 111, the I / O control unit 117 notifies each connected unit of an instruction from the processor 111 and sends information acquired from each unit to the processor 111 via the bus 118.

  The card / receipt processing unit 130a is provided in the card / receipt unit 130, and controls card taking-in and discharging and receipt discharging. Further, the card / receipt processing unit 130a reads magnetically recorded information (account number and the like) attached to the taken-in card. The card / receipt processing unit 130a also has a function of performing printing or the like, and can print characters and graphics. The card / receipt processing unit 130a can discharge not only the card but also the statement slip (receipt) on which the transaction content is printed.

  The passbook processing unit 140a is provided in the passbook processing unit 140 and controls the taking in and discharging of the passbook. Moreover, the passbook processing unit 140a reads the magnetically recorded information (account number etc.) attached to the taken passbook. The passbook processing unit 140a also has a function of printing on the passbook, and can pass the passbook. The bankbook processing unit 140a will be described later with reference to FIG.

The coin processing unit 150a is provided in the coin processing unit 150, and controls deposit / withdrawal of coins and opening / closing of the door in accordance with instructions from the processor 111.
The banknote processing unit 160a is provided in the banknote processing unit 160 and controls deposit / withdrawal of banknotes and opening / closing of the door in accordance with instructions from the processor 111. The banknote processing unit 160a has a function of reading the type and serial number of banknotes. The banknote processing unit 160a reads the serial number of the banknotes withdrawn / withdrawn at the time of deposit / withdrawal and outputs them to the processor 111.

  The ten key processing unit 170a is provided in the ten key input unit 170, and outputs information on a button pressed by the customer. The information on the button pressed by the customer may include a password, information used in financial transactions, and the like. The interpersonal sensor control unit 175a controls an interpersonal sensor that detects the approach of a person, and detects that a customer has approached the ATM 100. Note that the illustration of the interpersonal sensor is omitted.

The portable recording medium 180 is a recording medium such as a DVD or a CD, for example. The portable recording medium 180 can store transaction history information and the like.
With the hardware configuration as described above, the processing functions of the present embodiment can be realized. In addition, said structure is an example and the combination of the structure part of ATM100 can be determined suitably. Of the above configuration, unnecessary ones may be deleted, and for example, a biometric authentication unit using a palm vein or a finger vein, a non-contact IC unit corresponding to a non-contact IC, or the like may be added.

Next, the passbook processing unit of the second embodiment will be described with reference to FIG. FIG. 5 is a diagram illustrating an example of a hardware configuration of a passbook processing unit according to the second embodiment.
The bankbook processing unit 140a includes magnetic head processing units 141a and 141b, image scanners 142a and 142b, printing units 143a and 143b, a bankbook entrance / exit 144, and a conveyance path 145. Further, the passbook processing unit 140a includes transport rollers 146a, 146b, 146c, 146d, 146e, 146f, and a passbook processing unit control unit 147.

  The magnetic head processing units 141a and 141b have a function of writing magnetic information to the magnetic stripe provided in the magnetic information recording unit 721 of the inserted bankbook 700 and reading the magnetic information from the magnetic stripe. The magnetic head processing units 141a and 141b include a plurality of types of magnetic heads. For example, the magnetic head processing units 141a and 141b are magnetic heads such as a magnetic head corresponding to a high coercive force of 4000 Oe (Oersted), a magnetic head corresponding to a low coercive force of 300 to 700 Oe, and a magnetic head corresponding to an intermediate 2750 Oe. Prepare. The magnetic head processing units 141a and 141b can read and write magnetic information with respect to magnetic stripes having different magnetic strengths. As a result, the magnetic head processing units 141a and 141b can handle a plurality of types of passbooks having different magnetic strengths. The magnetic head processing unit 141a is located above the conveyance path 145, and performs writing and reading of information to and from the magnetic information recording unit when the magnetic information recording unit exists above the bankbook 700 conveyed along the conveyance path 145. . The magnetic head processing unit 141b is positioned below the transport path 145, and when the magnetic information recording unit exists below the passbook 700 transported along the transport path 145, information is written to and read from the magnetic information recording unit. I do. The bankbook 700 will be described later with reference to FIGS. 8 and 9.

  The image scanners 142a and 142b acquire images of the inserted bankbook 700. When the image scanners 142 a and 142 b are inserted into the passbook entrance / exit 144 with the passbook 700 opened, the image scanners 142 a and 142 b acquire image information on the upper and lower surfaces of the passbook 700. For example, when the customer opens the passbook 700 and inserts the opened page (book entry target page) into the passbook entrance / exit 144 with the conveyance path 145 positioned above the image, the image scanner 142a captures the opened page of the passbook 700 and takes an image. Get information. In this case, the front cover and the back cover of the passbook 700 are below the conveyance path 145, and the image scanner 142b captures the front cover and the back cover of the passbook 700 to acquire image information.

  The printing units 143a and 143b include a print head, an ink jet unit, and the like (not shown), and print book information (date of transaction, summary, amount, etc.) on the passbook 700. Since the printing units 143a and 143b include the ink jet unit, it is possible to print an image on the passbook 700. The printing units 143a and 143b can have a dot impact printer function and an inkjet printer function. In the passbook 700, when the page to be printed is on the upper side of the conveyance path 145, the printing unit 143a performs printing. In the passbook 700, when the page to be printed is below the conveyance path 145, the printing unit 143b prints.

  The bankbook 700 is inserted into the bankbook entrance / exit 144 by the customer, and the bankbook 700 that has been processed is discharged. The bankbook entrance / exit 144 is provided with a sensor (not shown), the inserted bankbook 700 is detected, and the bankbook processing unit control unit 147 is notified that the bankbook 700 has been inserted.

  The bankbook 700 inserted from the bankbook entrance / exit 144 moves along the transport path 145. The transport rollers 146a, 146b, 146c, 146d, 146e, and 146f rotate so as to transport the bankbook 700 in the transport path 145. The passbook processing unit control unit 147 drives the transport rollers 146a,... To transport the passbook 700 in accordance with an instruction from the control unit 110. For example, when the passbook processing unit control unit 147 receives an instruction to read magnetic information stored in the magnetic stripe assigned to the passbook 700 from the control unit 110, the passbook 700 can be read by the magnetic head processing units 141a and 141b. The transport rollers 146a,... Are driven so as to move to the position. Further, when the passbook processing unit control unit 147 receives an instruction to scan the passbook 700 from the control unit 110, the passbook processing unit 147 drives the transport rollers 146a,... So that the passbook 700 is moved to a position that can be scanned by the image scanners 142a, 142b. . Further, when the passbook processing unit control unit 147 receives an instruction to print the passbook 700 from the control unit 110, the passbook processing unit 147 drives the transport rollers 146a,... So that the passbook 700 is moved to a printable position by the printing units 143a, 143b. .

  The passbook processing unit control unit 147 includes a CPU and a memory, has a function of controlling the entire passbook processing unit 140a, and controls the passbook processing unit 140a in response to an instruction from the processor 111. The passbook processing unit control unit 147 instructs the magnetic head processing units 141a and 141b to read magnetic information. The passbook processing unit control unit 147 instructs the image scanners 142a and 142b to capture the passbook 700 and acquire image information. The passbook processing unit control unit 147 instructs the printing units 143a and 143b to print the book information on the passbook 700. The bankbook processing unit control unit 147 instructs the conveyance rollers 146a, 146b, 146c, 146d, 146e, and 146f to drive the conveyance path 145 with respect to the bankbook 700. The processing units that have received an instruction from the passbook processing unit control unit 147 each execute the instructed process. The passbook processing unit control unit 147 outputs the magnetic information acquired via the magnetic head processing units 141a and 141b to the processor 111. The passbook processing unit control unit 147 outputs the image information acquired via the image scanners 142a and 142b to the processor 111.

  As described above, the passbook processing unit 140a includes the magnetic head processing units 141a and 141b, the image scanners 142a and 142b, and the printing units 143a and 143b on the upper and lower sides of the conveyance path 145 along which the passbook 700 moves. Thereby, the passbook processing unit 140a can perform processing of writing and reading magnetic information to and from the passbook 700 of various modes, and printing.

Next, a bookkeeping machine according to a second embodiment will be described with reference to FIG. FIG. 6 is a diagram illustrating an example of a hardware configuration of the bookkeeping machine according to the second embodiment.
The bookkeeping machine 200 includes a control unit 210, a display 220a, a touch panel 220b, and a passbook processing unit 240a. The control unit 210 includes a processor 211, a RAM 212, an HDD 213, an external communication interface 214, a display processing unit 215, a touch panel processing unit 216, and an I / O (Input / Output) control unit 217, each connected via a bus 218. Has been.

  The processor 211 controls the overall operation of the bookkeeping machine 200. The processor 211 is, for example, a CPU or MPU. The processor 211 stores transaction information including an account number acquired via the passbook processing unit 240a in a storage unit such as the HDD 213. In addition, the processor 211 transmits transaction information to the host 400.

  The RAM 212 temporarily stores at least part of an OS program and application programs to be executed by the processor 211. The RAM 212 stores various data necessary for processing by the processor 211. The HDD 213 can store an OS, application programs, transaction information, and the like. The HDD 213 can be replaced with another storage device such as an SSD. The external communication interface 214 is connected to the external network 310 and transmits / receives data to / from the host 400 or the like. The external communication interface 214 can send and receive transaction information and the like to the host 400.

  A display 220 a is connected to the display processing unit 215. The display 220a constitutes the customer operation unit 220 together with the touch panel 220b. The display processing unit 215 displays various information such as operation guidance on the screen of the display 220a under the control of the processor 211. A touch panel 220b is connected to the touch panel processing unit 216. The touch panel 220b is formed in the upper layer of the display 220a. The touch panel processing unit 216 detects the position on the screen where the customer's finger touches or approaches the touch panel 220b and notifies the processor 211 of the detected position. A passbook processing unit 240 a is connected to the I / O control unit 217.

  The passbook processing unit 240a is provided in the passbook processing unit 240 and controls the taking in and discharging of the passbook. The bankbook processing unit 240a controls the bankbook entry. Since the passbook processing unit 240a is the same as the passbook processing unit 140a, description thereof is omitted.

  With the hardware configuration as described above, the processing functions of the present embodiment can be realized. In addition, said structure is an example and the combination of the structure part of the bookkeeping machine 200 can be determined suitably.

Next, an example of functions of the information processing system according to the second embodiment will be described with reference to FIG. FIG. 7 is a diagram illustrating an example of functions of the information processing system according to the second embodiment.
The ATM 100 includes a control unit 110 and a storage unit 190. The control unit 110 is realized by the processor 111. Specifically, the processor 111 exhibits the function of the control unit 110 by executing a program stored in the RAM 112. However, the control unit 110 may be realized by a hard wired logic such as an ASIC. The storage unit 190 is realized using the storage area of the RAM 112 and the storage areas of the first HDD 113a and the second HDD 113b. The storage unit 190 stores specification information. The specification information is information predetermined for each financial institution, and is information including a passbook image, a passbook specification, a data interface for sending and receiving bookkeeping information, and the like. The specification information may be stored in a storage unit of a device (ATM 100, book machine 200) that performs bankbook bookkeeping, or a storage unit of a device (host 400, 500) that can be accessed from a device that performs bankbook bookkeeping. May be stored. The specification information will be described later with reference to FIG.

  The control unit 110 acquires image information and magnetic information of the passbook via the passbook processing unit 140 and stores them in the storage unit 190. The control unit 110 requests bookkeeping information based on the information acquired from the passbook processing unit 140. The control unit 110 receives the book information and prints it on the passbook inserted in the passbook processing unit 140. The process of making a passbook entry in the ATM 100 will be described later with reference to FIGS.

  The bookkeeping machine 200 includes a control unit 210 and a storage unit 290. The control unit 210 is realized by the processor 211. Specifically, the processor 211 exhibits the function of the control unit 210 by executing a program stored in the RAM 212. However, the control unit 210 may be realized by a hard wired logic such as an ASIC. The storage unit 290 is realized using a storage area of the RAM 212 and a storage area of the HDD 213. The storage unit 290 stores data necessary for processing (bookkeeping) to be printed on the passbook 700 in the same manner as the storage unit 190.

  The control unit 210 acquires image information and magnetic information of the passbook via the passbook processing unit 240, performs information communication with the hosts 400 and 500, receives the writing information, and writes the passbook. Since the process of making a passbook entry in the bookkeeping machine 200 is the same as the process of making a passbook entry in the ATM 100, a description thereof will be omitted.

  The host 400 includes a control unit 410 and a storage unit 490. The control unit 410 is realized by the processor 411. Specifically, the processor 411 exhibits the function of the control unit 410 by executing a program stored in the RAM 412. However, the control unit 410 may be realized by a hard wired logic such as an ASIC. The storage unit 490 is realized using a storage area of the RAM 412 and a storage area of the HDD 413. The control unit 410 performs information communication with the ATM 100, the bookkeeping machine 200, and the host 500. Storage unit 490 temporarily stores information for transmission and reception.

  The host 400 is a computer used in a financial institution, and can transmit bookkeeping information in response to a request from the ATM 100 and the bookkeeping machine 200 and can also execute a billing process.

  The host 500 includes a control unit 510 and a storage unit 590. Control unit 510 is realized by a processor. Specifically, the processor exhibits the function of the control unit 510 by executing a program stored in the RAM. However, the control unit 510 may be realized by a hard wired logic such as an ASIC. Storage unit 590 is implemented using a RAM storage area or a HDD storage area. Control unit 510 performs information communication with ATM 100, bookkeeping machine 200, and host 400. Storage unit 590 temporarily stores information for transmission and reception.

  The host 500 is a computer used in a financial institution different from the financial institution in which the host 400 is used. The host 500 transmits bookkeeping information in response to a request from the ATM 100 and the bookkeeping machine 200 and executes accounting processing. Is also possible.

  Here, a process in which the customer performs the entry of the bankbook 700 will be described. Assume that financial institutions that manage and operate the ATM 100, the bookkeeping machine 200, and the host 400 are affiliated, and the name of the financial institution is assumed to be X bank. The financial institution that manages and operates the host 500 is a financial institution different from the X bank, and the name of the financial institution is assumed to be Y bank.

  The customer inserts the bankbook 700 issued by the Y bank into the ATM 100 or the book machine 200, and performs an operation input for bookkeeping. The control units 110 and 210 acquire account specifying information for specifying an account from the passbook 700 inserted via the passbook processing units 140a and 240a. The account specifying information includes the name of the financial institution, the subject, the branch number, and the account number. The control units 110 and 210 transmit a request information message for bookkeeping information to the host 400. It is assumed that account request information is included in the request information of the book entry information.

  The control unit 410 of the host 400 receives the request message of the book entry information, reads the account specifying information included in the request message, and determines that the account is a Y bank account. The control unit 410 transmits a request message for bookkeeping information to the host 500 managed and operated by Y bank. That is, the control unit 410 identifies the financial institution that is the destination of the request message of the received book entry information, and distributes and transmits the request message.

  The control unit 510 of the host 500 determines that the account specifying information included in the request message is that of the own financial institution (Y bank), acquires book entry information corresponding to the account specifying information from the storage unit 590, and sends a response message. And transmitted to the control unit 410.

  Control unit 410 receives a response message from control unit 510. The control unit 410 transmits the bookkeeping information included in the response message to the control units 110 and 210 that are the transmission source of the request message. The control units 110 and 210 receive the bookkeeping information and instruct the bankbook processing units 140a and 240a to perform bookkeeping in the bankbook 700. The control units 110 and 210 detect that the bookkeeping of the passbook 700 has been completed via the passbook processing units 140a and 240a, discharge the passbook 700, and end the processing.

  In this way, the host 400 determines the account specifying information included in the request message received from the ATM 100 and the book machine 200, distributes the message requesting the book information to other financial institutions, and sends the book information from the other financial institutions. get. As a result, the ATM 100 and the book-keeping machine 200 can obtain book information of a financial institution (Y bank) different from its own financial institution (X bank) via the host 400 and make a book entry in the passbook 700.

  The above-described processing is performed by the financial institution (Bank X) that manages the operation of the ATM 100 and the bookkeeping machine 200 into which the customer has inserted the bankbook 700, and the financial institution (Y bank) that issued the bankbook 700 owned by the customer. It is only an example of processing when different. If the financial institution managing the operation of the ATM 100 and the book machine 200 and the financial institution issuing the passbook 700 are the same, the processing of the host 400 and the host 500 can be realized by the same computer. It is possible to omit the process of sorting and sending a request message for bookkeeping information to a computer of a financial institution.

Next, an example of the cover of the passbook according to the second embodiment will be described with reference to FIG. FIG. 8 is a diagram illustrating an example of a cover of a passbook according to the second embodiment.
The bankbook 700 is a booklet issued by a financial institution as a document for depositing or refunding a deposit to a customer. The passbook 700 includes a cover and a page on which deposits and refunds of deposits are printed. The cover of the passbook 700 includes a passbook cover 710 and a passbook back cover 720. The page of the passbook 700 will be described later with reference to FIG.

  The passbook front cover 710 includes a financial institution name print area 711, a subject print area 712, a branch number print area 713, and an account number print area 714. The passbook front cover 710 includes a customer name print area and the like, but the description thereof is omitted.

  The financial institution name print area 711 is an area where the name of the financial institution that issued the bankbook 700 is printed. The subject printing area 712 is an area where subjects (for example, account types such as “normal”, “current”, “savings”) are printed. The subject print area 712 may include other characters (for example, “passbook”) other than characters that can be recognized as subjects. The branch number printing area 713 is an area where a branch number for identifying a branch of a financial institution is printed. The account number print area 714 is an area where an account number for identifying an account of a financial institution is printed.

  The passbook back cover 720 includes a magnetic information recording unit 721. The magnetic information recording unit 721 is a region provided with a magnetic stripe. The position of the magnetic information recording unit 721 in the passbook 700 may vary depending on the financial institution that issued the passbook. The ATM 100 and the bookkeeping machine 200 read a financial institution and an account number from the magnetic information recorded on the magnetic stripe. The contents of the magnetic information recorded on the magnetic stripe will be described later with reference to FIG.

Next, an example of a passbook page according to the second embodiment will be described with reference to FIG. FIG. 9 is a diagram illustrating an example of a passbook page according to the second embodiment.
Although the passbook 700 includes a plurality of pages, an example of a page will be described using the passbook page 730. A passbook page 730 represents a state where the second page of the passbook 700 is opened. The passbook page 730 includes a page number printing area 731, a barcode printing area 732, and a bookkeeping information printing area 733.

  The page number printing area 731 is an area where the page number of the passbook 700 is printed. In the bankbook 700, a page number is printed for each spread page. The bar code print area 732 is an area where a bar code for recognizing the page of the bankbook 700 by the ATM 100 or the book machine 200 is printed. The ATM 100 and the bookkeeping machine 200 recognize the page of the bankbook 700 by reading the barcode printed in the barcode printing area 732.

  The book information printing area 733 is an area where book information is printed. In the book entry information printing area 733, contents matching the items (number of lines, date, description, payment amount, deposit amount, balance) are printed for each line. For example, the number of lines “1” in the book entry information print area 733 includes “18-01-20” for the date, “card” for the description, “10,000” for the payment amount, and “900,000” for the balance. Is printed. This indicates that “10,000” yen is paid using “card” on “January 20, 2018” and the deposit balance is “900,000” yen. When the transaction content included in the bookkeeping information is payment, a number is printed in the item of payment amount, and is not printed in the item of deposit amount. When the transaction content included in the bookkeeping information is a deposit, a number is printed in the deposit amount item without being printed in the payment amount item.

The second line on the second page of the book information printing area 733 is the last line on which the book information has been printed. When the book book 700 is booked, the book information is printed from the third line on the second page.
Next, an example of specification information according to the second embodiment will be described with reference to FIG. FIG. 10 is a diagram illustrating an example of specification information according to the second embodiment.

  The specification information 600 is information used when printing the book information on the bankbook 700 in the ATM 100 and the book machine 200. The specification information 600 is information predetermined for each financial institution, and includes information such as a passbook image, passbook specifications, and a data interface for transmitting and receiving book information. The specification information 600 may be stored in the storage units 190 and 290, or may be stored in the storage units 490 and 590 and the like. Note that when the specification information 600 is stored in the storage units 490 and 590, the ATM 100 and the bookkeeping machine 200 specify which financial institution's specification information 600 is necessary and request the hosts 400 and 500 to acquire information. Send. The specification information 600 is information stored in advance for each financial institution.

  The specification information 600 includes items of financial institution name, financial institution number, passbook image, passbook specification information, and data interface. In the name of financial institution, the name of the financial institution is registered. In the item of the financial institution number, a number (financial institution code) that identifies the financial institution is registered. In the passbook image item, image information of the front cover (front cover and back cover) of the passbook is registered. The items of passbook specification information include items of subject printing coordinates, branch number printing coordinates, account number printing coordinates, page number printing coordinates, bar code printing coordinates, and magnetic information section coordinates. The items included in the above-mentioned passbook specification information are merely examples, and may include other items (printing coordinates for financial institution names, printing coordinates for customer names, etc.).

  Here, it is assumed that each coordinate included in the item of the passbook specification information is a coordinate in an image acquired by imaging the cover of the passbook 700 (passbook cover cover 710 and passbook back cover 720). For example, the lower left corner of the image of the passbook 700 may be set as the origin, the X axis in the horizontal right direction and the Y axis in the vertical upper direction may be set, and the position of each area included in the cover of the passbook 700 may be expressed by coordinates. However, the position information may be indicated by other methods.

  The coordinates of the subject print area 712 are registered in the item print subject field. The coordinates of the subject print area 712 are, for example, two coordinates of the upper left coordinates (XK1, YK1) and the lower right coordinates (XK2, YK2) of the four vertices of the rectangular area surrounding the subject print area 712. However, other coordinates may be used. Hereinafter, the same applies to other coordinates.

  In the branch number printing coordinate item, the coordinates ((XS1, YS1), (XS2, YS2)) of the branch number printing area 713 are registered. The coordinates ((XA1, YA1), (XA2, YA2)) of the account number printing area 714 are registered in the item of the account number printing coordinates. The coordinates ((XP1, YP1), (XP2, YP2)) of the page number printing area 731 are registered in the page number printing coordinate item. The coordinates ((XB1, YB1), (XB2, YB2)) of the barcode printing area 732 are registered in the item of barcode printing coordinates. The coordinates ((XM1, YM1), (XM2, YM2)) of the magnetic information recording unit 721 are registered in the item of magnetic information unit coordinates.

  The items of the data interface include items of a book information request message format, a book information response message format, a magnetic information setting format, and a message code. In the entry of the entry information request message format, a request message format to be transmitted when the ATM 100 or the entry machine 200 requests entry information from the hosts 400 and 500 is registered. In the entry of the entry information response message format, the format of the response message received by the ATM 100 or the entry machine 200 from the hosts 400 and 500 is registered. The details of the message format will not be described.

  In the item of magnetic information setting format, the data format of magnetic information recorded in the magnetic information recording unit 721 (hereinafter referred to as MS format) is registered. The MS format will be described later with reference to FIG.

  In the message code item, a code used in the message is registered. Examples of codes include ASCII (American Standard Code for Information Interchange) code, EBCDIC (Extended Binary Coded Decimal Interchange Code) code, and JIS (Japanese Industrial Standards) code.

  The specification information 600 described above is merely an example and can include other information. For example, the specification information 600 is information necessary for reading magnetic information recorded in the magnetic information recording unit 721 (for example, information for controlling a plurality of magnetic heads included in the magnetic head processing units 141a and 141b). Can be included.

Next, an example of the MS format of the second embodiment will be described with reference to FIG. FIG. 11 is a diagram illustrating an example of an MS format according to the second embodiment.
The MS format 610 is an example of a data format of magnetic information recorded on the magnetic stripe. The MS format 610 is a format of information recorded by the ATM 100 or the bookkeeping machine 200. For example, the ATM 100 or the bookkeeping machine 200 registers information in the magnetic stripe according to the MS format 610 when a transaction using a passbook is performed. The MS format 610 may be used in common by a plurality of financial institutions, or may be another data format.

  The MS format 610 includes items of financial institution number, branch number, subject number, account number, book line number, book page number, and passbook balance. In the item of financial institution number, the name of the financial institution that issued the bankbook 700 is registered. In the branch number item, a branch number for identifying a branch of a financial institution is registered. In the course number item, a course number for identifying a course (for example, an account type such as “normal”, “current”, “savings”, etc.) is registered. In the account number item, an account number for identifying an account of a financial institution is registered. In the entry line number item, the line number of the last line recorded in the passbook 700 is registered. In the entry page number item, the page number including the last line recorded in the passbook 700 is registered. In the passbook balance item, the amount of the balance recorded in the passbook 700 is registered.

  Next, a passbook entry process according to the second embodiment will be described with reference to FIGS. FIG. 12 is a flowchart of the passbook entry process according to the second embodiment (part 1). FIG. 13 is a diagram illustrating a flowchart of the passbook entry process according to the second embodiment (part 2).

  The passbook entry process is a process in which the ATM 100 and the bookkeeping machine 200 accept a passbook and make a passbook entry. The control unit 110 (processor 111) of the ATM 100 and the control unit (processor 211) of the bookkeeping machine 200 detect insertion of a bankbook from a customer and execute a bankbook bookkeeping process.

  In the following description, the contents of the passbook entry processing performed by the control unit 110 of the ATM 100 will be described. However, since the same applies to the control unit 210 of the bookkeeping machine 200, the description of the control unit 210 is omitted.

[Step S11] The control unit 110 receives the passbook 700 inserted into the passbook entrance / exit 144 via the passbook processing unit 140a.
[Step S12] The control unit 110 scans the passbook 700 and obtains image information (an image of the passbook front cover 710, an image of the passbook back cover 720, and an image of the passbook page 730). Specifically, the control unit 110 transmits an instruction to the image scanner 142a to scan the passbook 700 via the passbook processing unit control unit 147, and acquires an image scanned by the image scanner 142a.

  [Step S13] The control unit 110 identifies the financial institution that issued the bankbook 700. The control unit 110 performs character recognition processing on the image of the passbook front cover 710 and the image of the passbook back cover 720 acquired in step S12, and acquires the name of the financial institution that issued the passbook 700.

[Step S14] The control unit 110 requests the host 400 for specification information 600 of the financial institution identified in step S13.
Here, it is assumed that the host 400 is a computer used in a financial institution affiliated with the ATM 100, and the specification information 600 of each financial institution is stored in the storage unit 490 of the host 400. The host 400 receives a message requesting the specified specification information 600 of the financial institution from the control unit 110, acquires the specified specification information 600 of the financial institution from the storage unit 490, and transmits it to the control unit 110.

[Step S15] The control unit 110 receives the specification information 600 of the financial institution requested in step S14 from the host 400.
[Step S16] The control unit 110 reads the magnetic information in the bankbook 700 based on the specification information 600 received in step S15. Specifically, the control unit 110 reads the magnetic information unit coordinates included in the received specification information 600 and performs magnetic head processing so as to read the magnetic stripe given to the passbook 700 via the passbook processing unit control unit 147. Instructions are given to the units 141a and 141b. The control unit 110 acquires the magnetic information read by the magnetic head processing units 141a and 141b via the passbook processing unit control unit 147.

[Step S17] The control unit 110 acquires a subject number and an account number from the image information on the cover of the bankbook 700 based on the specification information 600 received in step S15.
Specifically, the control unit 110 reads out the subject print coordinates included in the received specification information 600, recognizes the subject (account type) from the subject print coordinates in the image information of the passbook 700, and corresponds to the recognized subject. Get a course number. In addition, ATM100 memorize | stores in the memory | storage part 190 the subject management information (for example, "subject number 1: normal", "subject number 2: current position" etc.) which matched the subject number and the character which shows a subject. And

  In addition, the control unit 110 reads the account number printing coordinates included in the received specification information 600, character-recognizes the account number from the account number printing coordinates in the image information of the passbook 700, and acquires the recognized account number.

[Step S18] Based on the specification information 600 received in step S15, the control unit 110 obtains the page number and the number of printed lines on which the last line is printed from the image information of the page of the passbook 700.
Here, there are a plurality of methods by which the control unit 110 acquires the page number, but either method may be used. For example, the control unit 110 reads the page number printing coordinates included in the received specification information 600, recognizes the page number from the page number printing coordinates in the image information of the passbook 700, and acquires the page number. Further, the control unit 110 reads the barcode printing coordinates included in the received specification information 600, recognizes the barcode from the barcode printing coordinates in the image information of the passbook 700, and acquires the page number.

  In addition, the control unit 110 specifies the number of printed lines based on the number of lines included in the image information of the page of the passbook 700 and whether or not each item is printed. For example, when acquiring the image information of the passbook page 730, the control unit 110 determines that printing is performed on the second line and printing is not performed on the third line, and the number of print lines is two. Can be identified as eyes.

  [Step S19] The control unit 110 identifies the balance from the image of the balance of the image information on the page of the passbook 700. For example, when the image information of the passbook page 730 is acquired, the control unit 110 specifies the balance as “1,400,000” from the image of the last line of the second print line number.

  [Step S20] The control unit 110 determines whether the magnetic information and the image information match. Specifically, the control unit 110 matches the magnetic information read from the magnetic stripe acquired by the magnetic head processing units 141a and 141b with the information recognized from the image information of the passbook 700 acquired by the image scanners 142a and 142b. It is determined whether or not to do.

  When the magnetic information and the image information match, the control unit 110 proceeds to step S21. When a plurality of pieces of information (financial institution number, branch number, subject number, account number, bankbook balance) match, the control unit 110 determines that the magnetic information matches the image information. In addition, the control part 110 can compare with the financial institution number acquired from magnetic information by acquiring the financial institution number corresponding to the financial institution name acquired by performing character recognition about image information from the specification information 600. FIG.

  If the magnetic information and the image information do not match, the control unit 110 displays that the bankbook is inappropriate on the display 120a and ends the process. For example, if the account number read from the magnetic stripe as the magnetic information is different from the account number obtained by performing character recognition from the image information of the passbook 700, the control unit 110 determines that the magnetic information and the image information do not match.

In this way, the control unit 110 can avoid using a forged passbook by determining whether the magnetic information and the image information match.
[Step S21] The control unit 110 transmits a bookkeeping information request message to the identified financial institution via the affiliated financial institution. Here, it is assumed that the host 500 is a computer used in the specified financial institution, and account information and bookkeeping information of the passbook 700 are stored in the storage unit 590 of the host 500. Specifically, the control unit 110 transmits a bookkeeping information request message to the host 400. The host 400 receives the book information request message and transmits it to the host 500. It is assumed that the host 400 has a function of distributing and transmitting a book information request message to the specified financial institution. The host 400 has a function of receiving a response (booking information response message) to the book information request message from the specified financial institution and transmitting it to the ATM 100.

  The book entry information request message is a message requesting book entry information, which is information to be printed on the passbook 700, and includes a financial institution number, a branch number, a subject number, an account number, and the like. The control unit 110 generates a book information request message based on the book information request message format included in the received specification information 600.

  Here, the case where the affiliated financial institution (the financial institution to which the ATM 100 is connected through a dedicated line) and the specified financial institution (the financial institution that issued the passbook 700) are different has been described. It is only an example. When the affiliated financial institution and the specified financial institution are the same, the functions of the host 400 and the host 500 may be realized by a single computer.

  [Step S22] The control unit 110 receives a bookkeeping information response message from the identified financial institution via the affiliated financial institution. Specifically, the host 500 generates a bookkeeping information response message and transmits it to the host 400. The host 400 receives the book information response message and sends it to the ATM 100. The control unit 110 receives a bookkeeping information response message from the host 400.

  The book information response message is a message that responds to the book information request message, and includes a book information that has not yet been printed in the passbook 700 (date, description, payment amount, deposit amount, balance). is there. Note that the book entry information response message includes information indicating that there is no book entry information when all book entry information has been printed in the passbook 700.

  [Step S <b> 23] The control unit 110 determines whether or not the received book information response message includes information to be booked. The control unit 110 proceeds to step S24 when the information to be booked is included. When the information to be booked is not included (when there is no unbooked information), the control unit 110 displays that there is no unbooked information on the display 120a, and ends the process.

  [Step S24] The control unit 110 generates print image information based on the book information response message. Specifically, based on the message code included in the specification information 600, the control unit 110 prints the book information included in the book information response message (book information described by numbers and symbols) as print image information (passbook). Image).

  [Step S25] The control unit 110 prints the print image information generated in step S24 on the passbook 700. Specifically, the control unit 110 instructs the passbook processing unit control unit 147 to print the print image information on the passbook 700 using the printing units 143a and 143b. The printing units 143a and 143b can print the print image information on the passbook 700 by the function of the ink jet printer.

  Note that the printing units 143a and 143b can perform printing by the function of a dot impact printer when the affiliated financial institution and the specified financial institution are the same financial institution. In other words, when the affiliated financial institution is different from the identified financial institution, the control unit 110 can instruct the passbook processing unit control unit 147 to print the print image information with the function of the inkjet printer. In addition, when the affiliated financial institution and the specified financial institution are the same financial institution, the control unit 110 instructs the passbook processing unit control unit 147 to print the bookkeeping information with the function of the dot impact printer. Can do.

  [Step S26] The control unit 110 performs print confirmation processing. Specifically, the control unit 110 scans the page printed on the passbook 700 in step S25, acquires the image data of the print portion, and collates the image data of the print portion with the print image information. To check. When there is a defect such as rubbing or bleeding in the image data of the printed part (when the collation result does not match), the control unit 110 notifies the host 400, 500 and saves the image data of the printed part as book defect data. , It enables recovery (re-execution of passbook entry processing) for defective printing parts. The control unit 110 assumes that printing is complete when the image data of the print portion matches the print image information.

  Further, the control unit 110 rewrites the magnetic information (updates the booked line number, booked page number, bankbook balance) to the magnetic head processing units 141a and 141b via the bankbook processing unit control unit 147 based on the booked information. Give instructions. In this way, the control unit 110 matches the print contents recorded on the passbook page 730 with the magnetic information stored in the magnetic information recording unit 721.

  The control unit 110 receives a notification that the print image information has been printed on the passbook 700 from the passbook processing unit control unit 147, and instructs the passbook processing unit control unit 147 to discharge the passbook 700 from the passbook entrance / exit 144. Then, the passbook entry process is terminated.

  As described above, the control unit 110 performs a process of performing a passbook entry when the magnetic information and the image information match, and if they do not match (for example, when a forged passbook is used), the passbook entry is performed. Do not execute the process. As a result, the control unit 110 can avoid writing in a forged bankbook.

  Further, the control unit 110 acquires the specification information 600 of the financial institution that issues the passbook 700, analyzes the code included in the message based on the specification information 600, converts it into print image information, and prints it on the passbook 700. To do. For this reason, even when a different code is used for each financial institution, the control unit 110 analyzes the different code and converts it into print image information that can be printed on the passbook 700, thereby performing a printing process on the passbook 700. It is possible to execute.

  In this way, the information processing system 300 can make a book entry on the passbook 700 issued by each of a plurality of financial institutions. In addition, since the information processing system 300 performs the book entry after confirming that the image information and the magnetic information match, it is possible to improve security when processing the passbook based on the image information.

  The above processing functions can be realized by a computer. In that case, a program describing the processing contents of functions that the bankbook processing device 10, ATM 100, bookkeeping machine 200, information processing device 20, and hosts 400, 500 should have is provided. By executing the program on a computer, the above processing functions are realized on the computer. The program describing the processing contents can be recorded on a computer-readable recording medium. Examples of the computer-readable recording medium include a magnetic storage device, an optical disk, a magneto-optical recording medium, and a semiconductor memory. Magnetic storage devices include hard disk devices (HDD), flexible disks (FD), magnetic tapes, and the like. Optical disks include DVD, DVD-RAM, CD-ROM (Compact Disc Read Only Memory) / RW (ReWritable), and the like. Magneto-optical recording media include MO.

  When distributing the program, for example, a portable recording medium such as a DVD or CD-ROM in which the program is recorded is sold. It is also possible to store the program in a storage device of a server computer and transfer the program from the server computer to another computer via a network.

  The computer that executes the program stores, for example, the program recorded on the portable recording medium or the program transferred from the server computer in its own storage device. The computer reads the program from its own storage device and executes processing according to the program. The computer can also read the program directly from the portable recording medium and execute processing according to the program. In addition, each time a program is transferred from a server computer connected via a network, the computer can sequentially execute processing according to the received program.

  In addition, at least a part of the processing functions described above can be realized by an electronic circuit such as a DSP, ASIC, or PLD.

DESCRIPTION OF SYMBOLS 10 Passbook processing apparatus 11,21 Control part 12 Image reading part 13 Magnetic reading part 14 Printing part 15,22 Storage part 20 Information processing apparatus 31 Specification information 40 Passbook 41 Magnetic information recording part 50 Information processing system

Claims (7)

An image reading unit for reading image information of the inserted bankbook;
A magnetic reading unit for reading magnetic information from a magnetic information recording unit provided in the bankbook;
A printing unit for printing on the passbook;
A financial institution is identified from the image information,
Obtain specification information corresponding to the financial institution,
Obtaining first account specifying information for specifying an account of the passbook from the image information based on the specification information;
Obtaining second account specifying information for specifying the account of the passbook from the magnetic information;
When the first account specifying information and the second account specifying information coincide with each other, acquiring book entry information that is information to be written in the passbook based on the first account specifying information;
A control unit that instructs the printing unit to print the bookkeeping information on the passbook,
Passbook processing device. In the first account specifying information and the second account specifying information,
At least the name of the financial institution that identifies the financial institution from which the passbook is issued, the subject that identifies the type of account of the financial institution, the branch number that identifies the branch that opened the account, and the account Includes an account number field,
The passbook processing apparatus according to claim 1. The image reading unit
When the passbook is inserted into the passbook processing device with the passbook open, image information on the upper and lower surfaces of the passbook is acquired.
The passbook processing apparatus according to claim 1. The magnetic reading unit is
A plurality of magnetic heads corresponding to the coercive force of the magnetic information recording unit;
The passbook processing apparatus according to claim 1. The printing unit
With dot impact printer function and inkjet printer function,
The passbook processing apparatus according to claim 1. The specification information is
At least coordinate information indicating a printing position of the first account specifying information in the passbook for acquiring the first account specifying information from the image information and data interface information for transmitting and receiving the bookkeeping information. ,
The passbook processing apparatus according to claim 1. An information processing system including a passbook processing device and an information processing device,
The bankbook processing device
An image reading unit for reading image information of the inserted bankbook;
A magnetic reading unit for reading magnetic information from a magnetic information recording unit provided in the bankbook;
A printing unit for printing on the passbook;
Specifying a financial institution from the image information, obtaining specification information corresponding to the financial institution, obtaining first account specifying information for specifying an account of the passbook from the image information based on the specification information, Based on the first account specifying information when the second account specifying information for specifying the account of the passbook is acquired from the magnetic information, and the first account specifying information and the second account specifying information match. A control unit that requests the information processing device for book information that is information to be recorded in the passbook and instructs the printing unit to print the bookkeeping information received from the information processing device on the passbook. ,
The information processing apparatus includes:
Receiving a request for the bookkeeping information from the bankbook processing device, obtaining the bookkeeping information from a storage unit in response to the request, and comprising a control unit for transmitting the bookkeeping information to the bankbook processing device,
Information processing system.

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