JP2021174205A - Passbook handling device, passbook handling method, passbook handling program, and passbook handling system - Google Patents

Abstract

To provide a technology capable of recovering magnetic information even when a passbook with multiple accounts cannot read the magnetic information of a magnetic stripe.SOLUTION: A passbook handling device includes: an identification code acquisition unit that acquires an identification code by having the identification code read by a code reader for a passbook whose passbook information acquired by a passbook information acquisition unit includes information on multiple account types; a passbook configuration identification unit that identifies configuration information indicating the configuration of the passbook based on the identification code acquired by the identification code acquisition unit; a collation unit that collates an inquiry message containing the passbook information acquired by the passbook information acquisition unit, bookkeeping information acquired by a bookkeeping information acquisition unit, and the configuration information identified by the passbook configuration identification unit with a host computer; and a magnetic information recovery unit that recovers magnetic information of a magnetic stripe of the passbook by a magnetic information reading and writing unit based on the result of the collation of the inquiry message from the host computer.SELECTED DRAWING: Figure 6

Description

The present invention relates to a passbook handling device, a passbook handling method, a passbook handling program, and a passbook handling system.

Conventionally, automatic teller machines such as ATMs (Automatic Teller Machines), which are widely used in banks and the like, are known. Such an automated teller machine enables transactions such as cash deposits and withdrawals and transfers, and contributes to the efficiency of counter operations at banks and the like. In an automated teller machine, transactions such as cash deposits and withdrawals and transfers can be performed using a card and a passbook, and transactions such as deposits and bookkeeping can be performed using only a passbook.

The passbook has a magnetic stripe (MS) in which the magnetic information required for the transaction is recorded. When the magnetic information of the magnetic stripe matches the information held by the host computer, it is determined that the passbook is valid and the transaction is started.

However, the magnetic information of the magnetic stripe of the passbook on the market is attenuated by the approach or contact with the external magnet, and the reading by the automatic teller machine may result in an error. In particular, recently, many electronic devices such as smartphones and tablets around us and products with built-in magnets in their cases have been distributed, and the risk of magnetic attenuation is increasing. When magnetic attenuation occurs, magnetic information cannot be read correctly from the magnetic stripe of the passbook. Therefore, the automated teller machine determines that the transaction is not possible and returns the passbook to the customer.

A technique has been proposed that enables transactions even in a passbook for which such magnetic information could not be read normally (see, for example, Patent Document 1).

In this automated teller machine, the magnetic information is restored based on the notification obtained by inquiring the host computer for the passbook information obtained by analyzing the paper information obtained by optically reading the back page or the bookkeeping page of the passbook. Is going.

Japanese Unexamined Patent Publication No. 2012-137922

If the passbook is a passbook of a general account that has multiple accounts, such as a savings account (hereinafter referred to as "ordinary account") or a time deposit account (hereinafter referred to as "time account"), the magnetism of the passbook It is necessary to store the configuration information such as the type of passbook and the page for each type of passbook in the magnetic information of the stripe. However, the back page and the bookkeeping page, which are the objects optically read by the automated teller machine described in Patent Document 1, do not include the configuration information such as the type of passbook and the page for each type of passbook. In addition, since the host computer does not include configuration information such as the type of passbook and pages, there is a problem that the magnetic information of the magnetic stripe cannot be restored in the case of a passbook of a general account having a plurality of accounts. ..

In view of the above problems, an object of the present invention is to provide a technique capable of restoring magnetic information even when a passbook having a plurality of accounts cannot read the magnetic information of the magnetic stripe.

In order to achieve the above object, the present invention includes a magnetic information reading / writing unit that reads and writes magnetic information on the magnetic stripe of the received passbook, and an optical reading unit that reads the paper surface information of the passbook. A code reading unit that reads an identification code including information on the type of account constituting the passbook and information on a page number corresponding to the type of account, the magnetic information reading / writing unit, and the above. The control unit includes an optical reading unit and a control unit that controls the code reading unit, and the control unit measures the optical passbook for which the magnetic information reading / writing unit cannot correctly read the magnetic information. For the passbook information acquisition unit that acquires the passbook information including the account type information of the passbook from the paper information by the reading unit, and the passbook that the magnetic information reading / writing unit cannot correctly read the magnetic information. The bookkeeping information acquisition unit that acquires bookkeeping information including the passbook entry information from the paper information by the optical reading unit, and the passbook information acquired by the passbook information acquisition unit include information on a plurality of account types. Based on the identification code acquisition unit that acquires the identification code by causing the code reading unit to read the identification code, and the identification code acquired by the identification code acquisition unit, the passbook The passbook configuration specifying unit that specifies the configuration information indicating the configuration, the passbook information acquired by the passbook information acquisition unit, the bookkeeping information acquired by the passbook information acquisition unit, and the passbook configuration specifying unit identified by the passbook configuration specifying unit. Based on the inquiry message communication unit that inquires the host computer of the inquiry message including the configuration information and the collation result with respect to the inquiry message of the host computer, the magnetic information reading / writing unit obtains the magnetic stripe magnetic information of the passbook. It is characterized by including a magnetic information restoration unit for restoration.

Further, the present invention comprises a magnetic information reading / writing unit that reads and writes magnetic information on the magnetic stripe of the received passbook, an optical reading unit that reads the paper surface information of the passbook, and the passbook. A code reading unit that reads an identification code including information on the account type and page number information corresponding to the account type, the magnetic information reading / writing unit, the optical reading unit, and the above. In the passbook handling method executed by the passbook handling device including the code reading unit and the control unit for controlling the code reading unit, the optical reading is performed on the passbook in which the magnetic information reading / writing unit cannot correctly read the magnetic information. The optical reading unit obtains the passbook information including the account type information of the passbook from the paper information, and the optical reading unit obtains the passbook information for which the magnetic information reading / writing unit cannot correctly read the magnetic information. The identification code is obtained by the code reading unit for the passbook in which the book information including the information of the passbook is acquired from the paper information and the acquired passbook information includes information on a plurality of account types. The identification code is acquired by reading the above, the configuration information indicating the configuration of the passbook is specified based on the acquired identification code, and the acquired passbook information and the acquired bookkeeping are recorded. The inquiry message including the information and the specified configuration information is collated with the host computer, and the magnetic stripe of the passbook is collated by the magnetic information reading / writing unit based on the collation result with respect to the inquiry message of the host computer. It is characterized by restoring the magnetic information of.

Further, the present invention comprises a magnetic information reading / writing unit that reads and writes magnetic information on the magnetic stripe of the received passbook, an optical reading unit that reads the paper surface information of the passbook, and the passbook. A code reading unit that reads an identification code including information on the account type and page number information corresponding to the account type, the magnetic information reading / writing unit, the optical reading unit, and the above. In a passbook handling program executed by a passbook handling device including a code reading unit and a control unit that controls the code reading unit, the optical reading is performed on the passbook for which the magnetic information reading / writing unit cannot correctly read the magnetic information. The optical reading unit obtains the passbook information including the account type information of the passbook from the paper information, and the optical reading unit obtains the passbook information for which the magnetic information reading / writing unit cannot correctly read the magnetic information. The identification code is obtained by the code reading unit for the passbook in which the book information including the information of the passbook is acquired from the paper information and the acquired passbook information includes information on a plurality of account types. The identification code is acquired by reading the above, the configuration information indicating the configuration of the passbook is specified based on the acquired identification code, and the acquired passbook information and the acquired bookkeeping are recorded. The inquiry message including the information and the specified configuration information is collated with the host computer, and the magnetic stripe of the passbook is collated by the magnetic information reading / writing unit based on the collation result with respect to the inquiry message of the host computer. It is characterized by restoring the magnetic information of.

Further, according to the present invention, in a passbook handling system including at least a passbook handling device and a host computer connected to the passbook handling device, the passbook handling device reads magnetic information with respect to the magnetic stripe of the received passbook. And a magnetic information reading / writing unit for writing, an optical reading unit for reading the paper information of the passbook, information on the type of the account constituting the passbook, and information on the page number corresponding to the type of the passbook. The control unit includes a code reading unit that reads an identification code including, a magnetic information reading / writing unit, an optical reading unit, and a control unit that controls the code reading unit. , The passbook information acquisition that acquires the passbook information including the information of the account type of the passbook from the paper information by the optical reading unit for the passbook that the magnetic information reading / writing unit cannot correctly read the magnetic information. For the passbook in which the magnetic information reading / writing unit cannot correctly read the magnetic information, the optical reading unit acquires the passbook information including the passbook information from the paper surface information. The identification code is acquired by having the code reading unit read the identification code for the passbook and the passbook whose passbook information acquired by the passbook information acquisition unit includes information on a plurality of account types. Identification code acquisition unit, a passbook configuration identification unit that specifies configuration information indicating the configuration of the passbook based on the identification code acquired by the identification code acquisition unit, and the passbook information acquired by the passbook information acquisition unit. The host is provided with an inquiry message communication unit that transmits an inquiry message including the bookkeeping information acquired by the passbook information acquisition unit and the configuration information specified by the passbook configuration identification unit to a host computer. The computer has a host collation unit that collates whether or not the passbook information and the bookkeeping information inquired from the passbook handling device match the passbook information and the bookkeeping information stored in the collation storage unit of the host computer. The passbook handling device includes a collation result communication unit that transmits the collation result collated by the host collation unit to the passbook handling device, and the passbook handling device is based on the collation result for the inquiry message of the host computer. It is characterized by further including a magnetic information restoration unit that restores the magnetic information of the magnetic stripe of the passbook by the insertion unit.

According to the present invention, the magnetic information can be restored even when the passbook having a plurality of accounts cannot read the magnetic information of the magnetic stripe.

It is a figure which shows an example of the passbook handling system which concerns on embodiment of this invention. It is a block diagram which shows an example of the hardware structure of ATM. It is a figure which shows an example of the hardware composition of the passbook processing part. It is a figure which shows an example of a passbook. It is a figure which shows an example of a passbook. It is a figure which shows an example of a passbook. It is a block diagram which shows an example of the hardware configuration of a host computer. It is a figure which shows an example of the functional structure of the passbook handling system including an ATM and a host computer. It is a figure which shows an example of the collation table stored in the storage part of a host computer. It is a flowchart which shows an example of the passbook handling process executed in ATM. It is a flowchart which shows an example of magnetic information restoration processing. It is a flowchart which shows an example of the passbook composition specifying process. It is a figure which shows an example of the magnetic information restoration selection screen displayed on the display part.

Hereinafter, embodiments of the present invention will be described in detail.

FIG. 1 is a diagram showing an example of a passbook handling system 100 according to an embodiment of the present invention. As shown in FIG. 1, the passbook handling system 100 includes n ATMs 1-1, 1-2, ... 1-n, and a host computer 2. Each of these parts is communicably connected to each other via a network N via a closed network such as a dedicated line or VPN (Virtual Private Network). Further, the passbook handling system 100 may include other devices and servers not shown in FIG. One or more ATMs 1-1, 1-2, ... 1-n are arranged in each store. When ATM1-1, 1-2, ... 1-n are not particularly distinguished, they are hereinafter referred to as "ATM1".

The ATM 1 is a device that executes various transactions such as deposits, withdrawals, transfers, and balance inquiries using cards such as passbooks, cash cards, and credit cards. This ATM1 is also called an automated teller machine or an automated teller machine. The ATM 1 is an example of a passbook handling device. In the following description, an ATM will be used on behalf of the passbook handling device.

The passbook used in ATM1 is, for example, a bank passbook that stores information on a customer's bank account in a magnetic stripe. The magnetic information of the magnetic stripe of the bank passbook includes bank code, store number, account type (subject), account number for each account type, passbook page structure, passbook type information, and the like.

FIG. 2 is a block diagram showing an example of the hardware configuration of ATM1. The ATM 1 includes an ATM control unit 10, a storage unit 11, a display unit 12, an input unit 13, a passbook processing unit 14, a card processing unit 15, a bill processing unit 16, a coin processing unit 17, a receipt issuing unit 18, and a communication unit 19. .. Further, the ATM 1 may have other hardware configurations not shown in FIG.

The ATM control unit 10 controls the entire ATM 1 in an integrated manner, and has a CPU (Central Processing Unit) (not shown) that reads a program and executes control processing. The storage unit 11 has a RAM (Random Access Memory), a ROM (Read Only Memory), an HDD (Hard Disk Drive), and the like. The storage unit 11 stores a program executed by the ATM control unit 10, display screen data, and various other data. Further, the storage unit 11 provides a work area when the ATM control unit 10 executes a program.

The display unit 12 is, for example, an LCD (Liquid Crystal Display), and displays an operation screen, a display screen, a menu screen, a guide screen for operation instructions, or the like to a customer according to an instruction from an ATM control unit 10. The input unit 13 is a touch panel integrated with the display unit 12, and the customer inputs and inputs the transaction type selection, transfer destination, transfer source, transfer amount, PIN, deposit / withdrawal amount, and the like. The information is notified to the ATM control unit 10.

The passbook processing unit 14 reads and writes magnetic information on the magnetic stripe of the passbook while transporting the received passbook. The hardware configuration of the passbook processing unit 14 will be described later.

The card processing unit 15 carries a card inserted into a card inlet / outlet provided on the front surface of the ATM 1 inside, or conversely ejects the card to the card inlet / outlet (not shown), a magnetic card. It has an MS recording / reproducing unit that reads / writes data on the magnetic stripe attached to the IC card, and a memory recording / reproducing unit that reads or writes data on the memory of the IC card. The card processing unit 15 has a card sensor that detects a card at the card inlet / outlet, and the card processing unit 15 detects the insertion or removal of a card by the card sensor and notifies the ATM control unit 10.

The banknote processing unit 16 includes a temporary holding unit for temporarily storing banknotes, a banknote discrimination unit for discriminating the authenticity of banknotes, a banknote stacker for storing banknotes by type, and a banknote container provided in front of the ATM 1. It has a banknote forgotten box for storing banknotes that have been forgotten after opening the shutter at the exit, a banknote entry / exit, a temporary holding section, a banknote discrimination section, a banknote stacker, and a transport path for transporting banknotes between the banknotes forgotten box. The bill processing unit 16 has a bill amount sensor that detects the amount of bills in the bill stacker, and the bill processing unit 16 detects the amount of bills in the bill stacker by the bill amount sensor and notifies the ATM control unit 10. do.

The coin processing unit 17 stores a coin discrimination unit that discriminates the authenticity of coins, a coin stacker that stores coins by type, and coins that have been forgotten after the shutter of the coin inlet / outlet provided on the front of the ATM 1 is opened. It has a coin forgotten box, a coin inlet / outlet, a coin discrimination unit, a coin stacker, and a transport path for transporting coins between the coin forgotten box. The coin processing unit 17 has a coin amount sensor that detects the amount of coins in the coin stacker, and the coin processing unit 17 detects the amount of coins in the coin stacker by the coin amount sensor and notifies the ATM control unit 10. do.

At the time of withdrawal processing, the banknote processing unit 16 and the coin processing unit 17 count the necessary banknotes and coins and take them out from the banknote stacker and coin stacker according to the instruction from the ATM control unit 10, to the banknote inlet / outlet and the coin inlet / outlet. Transport, and after transport, open the shutters of the bill inlet / outlet and coin inlet / outlet.

The receipt issuing unit 18 includes a receipt printing mechanism and a receipt transporting mechanism, and has a function of discharging a receipt medium on which the contents of transactions performed by the customer are printed from a receipt ejection port and issuing the receipt medium to the customer. The communication unit 19 exchanges data (telegram) between the ATM 1 and the host computer 2 through the network N.

The host computer 2 is a server device that executes a process of collating whether or not the passbook information and the bookkeeping information inquired from the ATM 1 match the passbook information and the bookkeeping information stored in the host computer 2.

FIG. 3 is a diagram showing an example of the hardware configuration of the passbook processing unit 14. As shown in FIG. 3, the passbook processing unit 14 includes a magnetic information reading / writing unit 31, a printing unit 32, an optical reading unit 33, a code reading unit 34, a page turning unit 35, and a conveying unit 36. Further, the passbook processing unit 14 may have other hardware configurations not shown in FIG.

The magnetic information reading / writing unit 31 reads and writes magnetic information on the magnetic stripe attached to the passbook 200 while transporting the received passbook 200 by the transport unit 36. In the printing unit 32, a roller and a printing mechanism are arranged so as to sandwich the transport path of the transport unit 36, and the passbook information and the bookkeeping information are printed on the passbook 200.

The passbook information is paper information such as the customer's name, financial institution name, branch name, branch number, account type (subject name), and account number for each type of account printed or pre-printed on the back page of the passbook 200. Is. The bookkeeping information is paper information related to the transaction contents printed on the passbook 200.

The optical reading unit 33 captures a page such as a back page of the passbook 200 and outputs the image data. The code reading unit 34 reads an identification code including information on the type of account constituting the passbook 200 and information on the page number corresponding to the type of account. The identification code will be described later. The page turning unit 35 turns the passbook 200 conveyed by the conveying unit 36 to open a back page or a bookkeeping page designated by the host computer 2, and the optical reading unit 33 takes a picture of paper surface information and the printing unit 32 prints. Used in the case of. The transport unit 36 transports the passbook 200 inserted into the passbook inlet / outlet (not shown) provided on the front surface of the ATM 1 to the inside.

4A, 4B, and 4C are diagrams showing an example of the passbook 200. FIG. 4A shows an example of the front cover 201 and the back cover 202 of the passbook 200. As shown in FIG. 4A, the passbook information of the passbook 200 is printed (or printed) on the cover 201 of the passbook 200. The cover page 201 of the passbook 200 has a passbook information column 201a, an account number column 201b, and a name column 201c.

In the passbook information column 201a, information of the type of passbook 200 is printed as passbook information. In the example of FIG. 4A, the characters "general account passbook" are printed in the passbook information field 201a. The passbook 200 of the general account passbook can handle a plurality of accounts. For example, the passbook 200 of the general account can handle two types of accounts, an ordinary account and a fixed account. In the account number column 201b, the account number of the passbook 200 is printed as the passbook information. The passbook 200 may handle a plurality of accounts of two or more types.

When the passbook 200 is a passbook that handles a plurality of types of accounts, a plurality of types of account numbers are printed in the account number column 201b. In the example of FIG. 4A, two types of account numbers, an ordinary account number "xxxxxx1" and a fixed-term account number "xxxxxx2", are printed in the account number column 201b. In the name field 201c, the name of the owner of the passbook 200 is printed as passbook information. In the example of FIG. 4A, the name "OOOO" is printed.

As shown in FIG. 4A, a magnetic stripe 202a on which the magnetic information of the passbook 200 is recorded is arranged on the back cover 202 of the passbook 200. The magnetic information of the magnetic stripe 202a stores information such as a bank code, a store number, an account type (subject), an account number for each account type, a page structure of the passbook 200, and information on the type of the passbook 200.

FIG. 4B shows an example of the back page 203 of the passbook 200. As shown in FIG. 4B, the passbook information of the passbook 200 is printed (or printed) on the back page 203 of the passbook 200. The return page 203 of the passbook 200 has a branch number column 203a, a first account number column 203b, a second account number column 203c, a name column 203d, a bank name column 203e, and a branch name column 203f.

In the branch number column 203a, the branch number representing the branch of the passbook 200 is printed as the passbook information. In the first account number column 203b, the account number of the ordinary account of the passbook 200 is printed as the passbook information. In the second account number column 203c, the account number of the fixed account of the passbook 200 is printed as the passbook information. The name of the owner of the passbook 200 is printed in the name field 203d. The bank name of the passbook 200 is printed in the bank name column 203e. The branch name of the passbook 200 is printed in the branch name column 203f.

In the example of FIG. 4B, the passbook 200 has two account number columns, a first account number column 203b and a second account number column 203c, but the present invention is not limited to this, and ordinary deposits, checking deposits, savings deposits, and fixed deposits are used. It may have at least two or more account number fields of deposits, savings deposits, savings time deposits, time deposits, notification deposits, tax reserve deposits, and the like.

FIG. 4C shows an example of the entry page 204 of the passbook 200. As shown in FIG. 4C, the bookkeeping information and the identification code of the passbook 200 are printed (or printed) on the bookkeeping page 204 of the passbook 200. The bookkeeping page 204 of the passbook 200 has a line number field 204a, a bookkeeping date field 204b, a balance field 204c, and an identification code field 204d.

A line number is printed in the line number column 204a as bookkeeping information. The line number is information that can uniquely identify the printed line of the bookkeeping information in the bookkeeping page 204. In the bookkeeping date column 204b, the date on which the transaction was made in the line printed in the line number column 204a as the bookkeeping information is printed. In the balance column 204c, the balance remaining in the account as a result of the transaction being performed in the line printed in the line number column 204a as the bookkeeping information is printed. The identification code 205 is printed in the identification code field 204d.

The identification code 205 includes information on the type of account constituting the passbook 200 and information on the page number corresponding to the type of account. Therefore, on each page constituting the bookkeeping page 204, a different identification code 205 is printed for each type of account and the page number corresponding to the type of account. The identification code 205 is composed of a one-dimensional code. In the example of FIG. 4C, a barcode is used as an example of a one-dimensional code. Further, the identification code 205 may be composed of a two-dimensional code such as a QR code (registered trademark). In the example of FIG. 4C, the identification code 205 is printed on the upper left of the bookkeeping page 204, but the present invention is not limited to this, and the identification code 205 may be printed at any position on the bookkeeping page 204.

FIG. 5 is a block diagram showing an example of the hardware configuration of the host computer 2. As shown in FIG. 5, the host computer 2 includes a host control unit 20, a storage unit 21, a display unit 22, an input unit 23, and a communication unit 24. Further, the host computer 2 may have other hardware configurations not shown in FIG.

The host control unit 20 is a CPU or the like, and controls the operation of the entire host computer 2 by expanding the programs stored in the ROM or HDD of the storage unit 21 into the RAM of the storage unit 21 and sequentially executing them. The storage unit 21 is a RAM, ROM, HDD, etc., and stores a program executed by the host control unit 20, various setting information, and the like. In addition, the storage unit 21 stores a collation table described later.

The display unit 22 is, for example, an LCD, and displays an operation screen, a display screen, and the like to the operator of the host computer 2 according to the instruction of the host control unit 20. The input unit 23 is an input interface such as a keyboard and a mouse, and receives an operation input of an operator of the host computer 2. The communication unit 24 communicates via the closed network of the passbook handling system 100 under the control of the host control unit 20. The host computer 2 transmits and receives data (telegram) to and from the ATM 1 of the passbook handling system 100 by performing communication by the communication unit 24.

FIG. 6 is a diagram showing an example of the functional configuration of the passbook handling system 100 including the ATM 1 and the host computer 2. The ATM control unit 10 includes a passbook information acquisition unit 41, a bookkeeping information acquisition unit 42, an identification code acquisition unit 43, a passbook configuration identification unit 44, an inquiry telegram communication unit 45, and a magnetic information restoration unit 46. Further, the ATM control unit 10 may have other functional configurations not shown in FIG. The ATM control unit 10 correctly determines whether the magnetic information of the passbook 200 received by the magnetic information reading / writing unit 31 is correctly read, that is, whether the magnetic information of the passbook 200 is normal.

The passbook information acquisition unit 41 recognizes the paper information by the optical reading unit 33 with respect to the passbook 200 in which the magnetic information reading / writing unit 31 cannot correctly read the magnetic information, and includes the information of the account type of the passbook 200. Get information. For example, the passbook information acquisition unit 41 acquires the branch number printed in the branch number column 203a as the passbook information among the paper information printed on the back page 203 of the passbook 200. The passbook information acquisition unit 41 acquires the account number of the ordinary account printed in the first account number column 203b as the passbook information. Similarly, the passbook information acquisition unit 41 acquires the account number of the fixed-term account printed in the second account number column 203c as the passbook information. Similarly, the passbook information acquisition unit 41 acquires the name, bank name, and branch name printed in the name column 203d, the bank name column 203e, and the branch name column 203f as passbook information.

The bookkeeping information acquisition unit 42 recognizes the paper surface information by the optical reading unit 33 and acquires the bookkeeping information including the passbook bookkeeping information for the passbook in which the magnetic information reading / writing unit 31 cannot correctly read the magnetic information. .. For example, the bookkeeping information acquisition unit 42 has the line number information printed in the line number column 204a and the date printed in the bookkeeping date column 204b among the paper information printed on the bookkeeping page 204 of the passbook 200. The date information, the balance information printed in the balance column 204c, and the information of the last printed line 206 (see FIG. 4C) recorded on the last page of the bookkeeping page 204 are acquired as the bookkeeping information.

The identification code acquisition unit 43 acquires the identification code by causing the code reading unit 34 to read the identification code for the passbook whose passbook information acquired by the passbook information acquisition unit 41 includes information on a plurality of account types. do. For example, the identification code acquisition unit 43 acquires the identification code 205 printed in the identification code field 204d among the paper surface information printed on the entry page 204 of the passbook 200. The passbook configuration specifying unit 44 specifies configuration information indicating the passbook configuration based on the identification code acquired by the identification code acquisition unit 43.

The inquiry telegram communication unit 45 hosts an inquiry telegram including the passbook information acquired by the passbook information acquisition unit 41, the bookkeeping information acquired by the passbook information acquisition unit 42, and the configuration information specified by the passbook configuration identification unit 44. It is sent to the computer 2 to make an inquiry. For example, the inquiry telegram communication unit 45 has a name, a branch number, an ordinary account account number (hereinafter referred to as "ordinary account number"), and a fixed account account number (hereinafter, "regular account") acquired by the passbook information acquisition unit 41. "Number"), the final print line of the ordinary account acquired by the bookkeeping information acquisition unit 42 (hereinafter referred to as "ordinary final print line"), and the passbook balance of the ordinary account (hereinafter referred to as "ordinary passbook balance"). , The final print line of the regular account (hereinafter referred to as "regular final print line"), the passbook balance of the regular account (hereinafter referred to as "regular passbook balance"), and the configuration information specified by the passbook configuration specifying unit 44. An inquiry is made by sending an inquiry message including, to the host computer 2.

The magnetic information restoration unit 46 restores the magnetic information of the passbook by the magnetic information reading / writing unit 31 based on the collation result with respect to the inquiry message of the host computer 2.

The host control unit 20 of the host computer 2 includes a host collation unit 51, a magnetic information creation unit 52, and a collation result communication unit 53. Further, the host control unit 20 may have other functional configurations not shown in FIG. The storage unit 21 of the host computer 2 has a collation table 61.

FIG. 7 is a diagram showing an example of a collation table 61 stored in the storage unit 21 of the host computer 2. The collation table 61 stores the branch number of the passbook, the ordinary account number, the ordinary final print line, the ordinary passbook balance, the regular account number, the regular final print line, and the regular passbook balance for each name of the passbook owner. The collation table 61 may store other information not shown in FIG. 7.

The host collation unit 51 collates whether or not the passbook information and the bookkeeping information inquired from the ATM 1 match the passbook information and the bookkeeping information stored in the collation table 61 of the storage unit 21 of the host computer 2. When the passbook information and the bookkeeping information inquired from the ATM 1 match the passbook information and the bookkeeping information stored in the collation storage unit of the host computer 2, the magnetic information creation unit 52 sets the passbook information and the bookkeeping inquired from the ATM1. The magnetic information to be written on the magnetic stripe 202a of the passbook 200 is created based on the information and the configuration information of the passbook 200.

The collation result communication unit 53 includes the magnetic information created by the magnetic information creation unit 52 in the collation result collated by the host collation unit 51 and transmits the collation result to the ATM 1.

Next, the passbook handling process executed by ATM1 will be described. 8 to 10 are flowcharts showing an example of the passbook handling process executed by the ATM 1. The ATM control unit 10 accepts the insertion of the passbook 200 (step S11). The ATM control unit 10 controls the magnetic information reading / writing unit 31 to read the magnetic information of the received passbook 200 (step S12).

The ATM control unit 10 determines whether or not the magnetic information of the passbook 200 read in step S12 is normal (step S13). In this process, the ATM control unit 10 determines whether or not the read magnetic information is valid information as the magnetic information of the passbook. When the correct magnetic information is read (step S13: YES), the normal transaction process is executed (step S14), the passbook is returned after the transaction is completed (step S18), and the passbook handling process is performed. finish.

When the magnetic information of the passbook 200 cannot be read normally (step S13: NO), the ATM control unit 10 displays the magnetic information restoration selection screen on the display unit 12 (step S15). FIG. 11 is a diagram showing an example of a magnetic information restoration selection screen displayed on the display unit 12. On the magnetic information restoration selection screen, a message for allowing the user of ATM1 to select whether or not to restore the magnetic information of the passbook 200, a restoration execution button B1, and a restoration non-execution button B2 are displayed.

When the repair non-execution button B2 is selected based on the operation of the user input unit 13, that is, when the repair is not selected (step S16: NO), the passbook 200 is returned (step S18) and the passbook is handled. The process ends.

When the repair execution button B1 is selected based on the operation of the user input unit 13, that is, when repair is selected (step S16: YES), the ATM control unit 10 executes the magnetic information repair process (step S16: YES). Step S17).

FIG. 9 is a flowchart showing an example of the magnetic information restoration process executed in step S17 of the passbook handling process of FIG.

The ATM control unit 10 controls the optical reading unit 33 to scan the back page 203 of the passbook 200 to acquire page information (step S31). The passbook information acquisition unit 41 acquires the passbook information of the passbook 200 from the paper surface information acquired by the optical reading unit 33 (step S32). The page turning unit 35 turns the page of the passbook 200 to the bookkeeping page (step S33).

The bookkeeping information acquisition unit 42 recognizes the paper surface information acquired by controlling the optical reading unit 33 and scanning the bookkeeping page, and acquires the bookkeeping information of the passbook 200 (step S34). The bookkeeping information acquisition unit 42 determines whether or not the page is the last page of the bookkeeping page as a result of turning the page (step S35). If it is not the last page of the bookkeeping page (step S35: NO), the process returns to step S33, and the processes of steps S33 to S35 are repeatedly executed until the final page of the bookkeeping page is reached.

When it is the last page of the bookkeeping page (step S35: YES), the bookkeeping information acquisition unit 42 acquires the paper information printed on the last page as the bookkeeping information of the ordinary account (step S36). The bookkeeping information acquisition unit 42 determines whether or not there is read data of the account number of the fixed-term account (step S37). In this process, for example, the bookkeeping information acquisition unit 42 has reading data of the account number of the regular account based on whether the passbook information acquired in step S32 includes an account number different from the account number of the ordinary account. Is determined. When there is read data of the account number of the fixed-term account (step S37: YES), the page turning unit 35 turns the bookkeeping page 204 (step S38).

The bookkeeping information acquisition unit 42 recognizes the paper surface information acquired by controlling the optical reading unit 33 and scanning the bookkeeping page, and acquires the bookkeeping information of the passbook 200 (step S39). The bookkeeping information acquisition unit 42 determines whether or not the page is the last page of the bookkeeping page as a result of turning the page (step S40). If it is not the last page of the bookkeeping page (step S40: NO), the process returns to step S38, and the processes of steps S38 to S40 are repeatedly executed until the final page of the bookkeeping page is reached. When it is the last page of the bookkeeping page (step S40: YES), the bookkeeping information acquisition unit 42 acquires the paper information printed on the last page as the bookkeeping information of the fixed-term account (step S41). After that, the ATM control unit 10 executes the passbook configuration specifying process (step S42).

FIG. 10 is a flowchart showing an example of the passbook configuration specifying process executed in step S42 of FIG. The ATM control unit 10 controls the page turning unit 35 to turn the bookkeeping page 204 and open the bookkeeping page 204 of the first page of the ordinary account (step S61). The identification code acquisition unit 43 acquires the identification code by having the code reading unit 34 read the identification code 205 (step S62). The ATM control unit 10 controls the page turning unit 35 to turn one book page 204 (step S63). The identification code acquisition unit 43 determines whether or not there is an identification code 205 on the turned book page 204 (step S64). If the booked page 204 has the identification code 205 (step S64: NO), the process returns to step S62, and the processes of steps S63 to S64 are repeatedly executed.

If there is no ordinary account identification code 205 on the rolled book page 204 (step S64: YES), the passbook configuration identification unit 44 has the identification code 205 printed one page before the last book page 204. Based on the above, the page structure of the ordinary account is determined (step S65). Here, the state in which the ordinary account identification code 205 is not present on the turned-up bookkeeping page 204 means that the ordinary account bookkeeping page 204 has been completed. Therefore, it is determined that one page before the last booked page 204 is the last page of the booked page 204 of the ordinary account, and the page structure of the ordinary account is determined. The identification code 205 of the last page turned includes the type of account and the page number of the account. For example, it is assumed that the identification code includes the information of "ordinary account" and the information of the page number of "page 4". In this case, the passbook configuration specifying unit 44 can specify that the bookkeeping page 204 of the "ordinary account" is "4 pages" by determining the identification code printed on the bookkeeping page 204 that was turned last. can.

The ATM control unit 10 determines whether or not there is an account number of a fixed-term account (step S66). In this process, for example, the bookkeeping information acquisition unit 42 reads the account number of the regular account based on whether the passbook information acquired in step S32 of FIG. 9 includes an account number different from the account number of the ordinary account. Determine if there is data. If there is no fixed account number (step S66: NO), the process proceeds to step S72. In this case, the passbook configuration specifying unit 44 determines the identification code printed on the last book entry page 204, and the passbook configuration information indicating the configuration of the passbook 200 is "ordinary account". It can be specified that it is a "page".

When there is an account number of the fixed account (step S66: YES), the ATM control unit 10 controls the page turning unit 35 to turn the bookkeeping page 204 and open the bookkeeping page 204 of the first page of the fixed account (step S66: YES). Step S67). The identification code acquisition unit 43 acquires the identification code by having the code reading unit 34 read the identification code 205 (step S68). The ATM control unit 10 controls the page turning unit 35 to turn one book page 204 (step S69). The identification code acquisition unit 43 determines whether or not there is an identification code 205 on the turned book page 204 (step S70). If the booked page 204 has the identification code 205 (step S70: NO), the process returns to step S68, and the processes of steps S68 to S70 are repeatedly executed.

If there is no fixed account identification code 205 on the rolled book page 204 (step S70: YES), the passbook configuration identification unit 44 will use the identification code 205 printed on the last book page 204 to be printed. The page of the fixed-term account is determined (step S71). Here, the state in which the fixed-term account identification code 205 is not present on the turned-up bookkeeping page 204 means that the fixed-term account bookkeeping page 204 has been completed. Therefore, it is determined that one page before the last booked page 204 is the last page of the booked page 204 of the fixed account, and the page structure of the fixed account is determined. The identification code 205 of the last page turned includes the type of account and the page number of the account. For example, it is assumed that the identification code includes the information of "fixed-term account" and the information of the page number of "page 5". In this case, by determining the identification code printed on the last booked page 204, the passbook configuration specifying unit 44 can specify that the booked page 204 of the "fixed account" is "page 5". can. The passbook configuration specifying unit 44 specifies the passbook configuration from the page of the specified account type (step S72). For example, when it is specified in step S65 that the bookkeeping page 204 of the "ordinary account" is "page 4" and the bookkeeping page 204 of the "fixed account" is "page 5" in step S71, the passbook configuration is specified. Department 44 may specify that the configuration information indicating the configuration of the passbook 200 is "page 4" for the bookkeeping page 204 of the "ordinary account" and "page 5" for the bookkeeping page 204 of the "fixed account". can. When this process is completed, the passbook configuration specifying process is completed, and the process proceeds to step S43 in FIG.

In step S43 of FIG. 9, the inquiry telegram communication unit 45 includes the passbook information acquired by the passbook information acquisition unit 41 in step S32, and the passbook information acquired by the passbook information acquisition unit 42 in steps S36 and S41. An inquiry message including the configuration information specified by the passbook configuration specifying unit 44 in step S72 of 10 is transmitted to the host computer 2.

The inquiry telegram communication unit 45 determines whether or not the collation result has been received from the host computer 2 within a certain period of time (step S44). If the collation result is not received within a certain time (step S44: NO), the ATM1 pauses for an error (step S45). After that, the process returns to step S44. If the collation result is received within a certain time (step S44: YES), the process proceeds to step S46. In step S46, the inquiry telegram communication unit 45 determines whether the collation result received from the host computer 2 is "the information in the passbook 200 and the information stored in the collation table 61 match". When the collation result received from the host computer 2 is "the information in the passbook 200 and the information stored in the collation table 61 do not match" (step S46: NO), the magnetic information restoration process is completed and the process is performed. The process proceeds to step S18 of FIG. When the collation result received from the host computer 2 is "the information in the passbook 200 and the information stored in the collation table 61 match" (step S46: YES), the magnetic information restoration unit 46 adds the received collation result. Based on the included magnetic information, the magnetic information reading / writing unit 31 restores the magnetic information of the magnetic stripe of the passbook 200 (step S47).

The magnetic information included in the inquiry telegram includes the passbook information, the bookkeeping information, and the configuration information of the passbook 200 inquired from the ATM 1. For example, the passbook information includes information such as a name, a branch number, an ordinary account number, and a fixed-term account number acquired by the passbook information acquisition unit 41. In addition, the bookkeeping information includes information such as a normal final print line, a normal passbook balance, a regular final print line, and a regular passbook balance acquired by the bookkeeping information acquisition unit 42. Further, the configuration information of the passbook 200 includes information such as the number of pages of the bookkeeping page 204 of the ordinary account and the number of pages of the bookkeeping page 204 of the regular account specified by the passbook configuration specifying unit 44.

Therefore, the magnetic information restoration unit 46 records the name, branch number, ordinary account number, regular account number, etc. as the passbook information of the passbook 200, such as the ordinary final print line, the ordinary passbook balance, the regular final print line, and the regular passbook balance. As the bookkeeping information of 200, the number of pages of the bookkeeping page 204 of the ordinary account, the number of pages of the bookkeeping page 204 of the regular account, etc. To restore. When this process is completed, the magnetic information restoration process is completed, and the process proceeds to step S18 in FIG. In step S18, the ATM control unit 10 returns the passbook 200 and ends the passbook handling process.

As described above, when the passbook 200 is a passbook of a general account having a plurality of accounts, the magnetic information of the magnetic stripe of the passbook 200 stores the configuration information such as the type of the passbook and the page for each type of the passbook. There is a need. However, the configuration information of the passbook 200 is information that is not held in the host computer 2 as in the collation table of FIG. Therefore, when the passbook 200 is a passbook of a general account having a plurality of accounts, there is a problem that the magnetic information of the magnetic stripe cannot be restored.

In this regard, even when the passbook handling system 100 according to the above-described embodiment cannot read the magnetic information of the magnetic stripe of the passbook having a plurality of accounts, the configuration information of the passbook 200 includes the passbook configuration specifying unit 44. Information such as the number of pages of the passbook page 204 of the ordinary account and the number of pages of the passbook page 204 of the fixed account specified by is included. As a result, a passbook having a plurality of accounts can restore the magnetic information of the magnetic stripe.

The passbook handling device in the passbook handling system 100 according to the above-described embodiment is not limited to the device capable of cash transactions such as ATM1 illustrated, and is not limited to a passbook entry machine, a passbook carry-over machine, etc. that do not handle cash. Of course, it may be.

Although the embodiments of the present invention have been described above, the present invention is not limited to the above-described embodiments, and various improvements and changes can be made without departing from the gist of the present invention.

1 ATM
2 Host computer 10 ATM control unit 11 Storage unit 12 Display unit 13 Input unit 14 Passbook processing unit 15 Card processing unit 16 Banknote processing unit 17 Coin processing unit 18 Receipt issuing unit 19 Communication unit 20 Host control unit 21 Storage unit 22 Display unit 23 Input unit 24 Communication unit 31 Magnetic information reading / writing unit 32 Printing unit 33 Optical reading unit 34 Code reading unit 35 Page turning unit 36 Transport unit 41 Passbook information acquisition unit 42 Bookkeeping information acquisition unit 43 Identification code acquisition unit 44 Passbook configuration identification unit 45 Inquiry message communication unit 46 Magnetic information restoration unit 51 Host verification unit 52 Magnetic information creation unit 53 Verification result communication unit 61 Verification table N Network 100 Passbook handling system 200 Passbook

Claims (7)

A magnetic information reading / writing unit that reads and writes magnetic information to the magnetic stripe of the received passbook,
An optical reader that reads the paper information of the passbook,
A code reading unit that reads an identification code including information on the type of account constituting the passbook and information on page numbers corresponding to the type of account.
A control unit for controlling the magnetic information reading / writing unit, the optical reading unit, and the code reading unit is provided.
The control unit
A passbook information acquisition unit that acquires passbook information including information on the account type of the passbook from the paper information by the optical reading unit for the passbook for which the magnetic information reading / writing unit cannot correctly read the magnetic information. When,
For the passbook in which the magnetic information reading / writing unit cannot correctly read the magnetic information, the bookkeeping information acquisition unit that acquires the bookkeeping information including the bookkeeping information of the passbook from the paper surface information by the optical reading unit.
An identification code that acquires the identification code by causing the code reading unit to read the identification code for the passbook that includes information on a plurality of account types in the passbook information acquired by the passbook information acquisition unit. Acquisition department and
Based on the identification code acquired by the identification code acquisition unit, a passbook configuration identification unit that specifies configuration information indicating the configuration of the passbook, and a passbook configuration identification unit.
The host computer is inquired of an inquiry message including the passbook information acquired by the passbook information acquisition unit, the bookkeeping information acquired by the passbook information acquisition unit, and the configuration information specified by the passbook configuration identification unit. Inquiry Telegram Communication Department and
A passbook handling device including a magnetic information restoration unit that restores magnetic information of the magnetic stripe of the passbook by the magnetic information reading / writing unit based on a collation result with respect to an inquiry message of the host computer. The passbook handling device according to claim 1.
The passbook information acquisition unit causes the optical reading unit to read any one of the front cover, back cover, and back cover of the passbook, and the branch number of the passbook and the account number for each type of account of the passbook. A passbook handling device, which is characterized by acquiring the passbook information including at least. The passbook handling device according to claim 1 or 2.
The bookkeeping information acquisition unit causes the optical reading unit to read the bookkeeping page of the passbook, and provides information on the final print line of the passbook for each type of passbook account and the information for each type of passbook account. A passbook handling device characterized by acquiring the bookkeeping information including at least information on the balance of the passbook. The passbook handling device according to any one of claims 1 to 3.
Further provided with a page turning section for turning the pages of the passbook,
The identification code acquisition unit acquires the identification code while turning the page by the page turning unit, and acquires the identification code including the information of the page from which the identification code can be acquired.
The passbook configuration specifying unit determines the page for each type of the account based on the identification code including the information of the page for which the identification code can be acquired by the identification code acquisition unit, and shows the structure of the passbook. A passbook handling device characterized by specifying the configuration information. A magnetic information reading / writing unit that reads and writes magnetic information to the magnetic stripe of the received passbook,
An optical reader that reads the paper information of the passbook,
A code reading unit that reads an identification code including information on the type of account constituting the passbook and information on page numbers corresponding to the type of account.
In the passbook handling method executed by the passbook handling device including the magnetic information reading / writing unit, the optical reading unit, and the control unit for controlling the code reading unit.
For the passbook in which the magnetic information reading / writing unit cannot correctly read the magnetic information, the optical reading unit acquires the passbook information including the information of the account type of the passbook from the paper surface information.
For the passbook in which the magnetic information reading / writing unit cannot correctly read the magnetic information, the optical reading unit acquires the bookkeeping information including the bookkeeping information of the passbook from the paper surface information.
The identification code is acquired by having the code reading unit read the identification code for the passbook in which the acquired passbook information includes information on a plurality of account types.
Based on the acquired identification code, the configuration information indicating the configuration of the passbook is specified, and the configuration information is specified.
The inquiry message including the acquired passbook information, the acquired bookkeeping information, and the specified configuration information is collated with the host computer.
A passbook handling method, characterized in that the magnetic information reading / writing unit restores the magnetic information of the magnetic stripe of the passbook based on the collation result with respect to the inquiry message of the host computer. A magnetic information reading / writing unit that reads and writes magnetic information to the magnetic stripe of the received passbook,
An optical reader that reads the paper information of the passbook,
A code reading unit that reads an identification code including information on the type of account constituting the passbook and information on page numbers corresponding to the type of account.
In a passbook handling program executed by a passbook handling device including the magnetic information reading / writing unit, the optical reading unit, and a control unit that controls the code reading unit.
For the passbook in which the magnetic information reading / writing unit cannot correctly read the magnetic information, the optical reading unit acquires the passbook information including the information of the account type of the passbook from the paper surface information.
For the passbook in which the magnetic information reading / writing unit cannot correctly read the magnetic information, the optical reading unit acquires the bookkeeping information including the bookkeeping information of the passbook from the paper surface information.
The identification code is acquired by having the code reading unit read the identification code for the passbook in which the acquired passbook information includes information on a plurality of account types.
Based on the acquired identification code, the configuration information indicating the configuration of the passbook is specified, and the configuration information is specified.
The inquiry message including the acquired passbook information, the acquired bookkeeping information, and the specified configuration information is collated with the host computer.
A passbook handling program characterized in that the magnetic information reading / writing unit restores the magnetic information of the magnetic stripe of the passbook based on the collation result with respect to the inquiry message of the host computer. In a passbook handling system including at least a passbook handling device and a host computer connected to the passbook handling device.
The passbook handling device is
A magnetic information reading / writing unit that reads and writes magnetic information to the magnetic stripe of the received passbook,
An optical reader that reads the paper information of the passbook,
A code reading unit that reads an identification code including information on the type of account constituting the passbook and information on page numbers corresponding to the type of account.
A control unit for controlling the magnetic information reading / writing unit, the optical reading unit, and the code reading unit is provided.
The control unit
A passbook information acquisition unit that acquires passbook information including information on the account type of the passbook from the paper information by the optical reading unit for the passbook for which the magnetic information reading / writing unit cannot correctly read the magnetic information. When,
For the passbook in which the magnetic information reading / writing unit cannot correctly read the magnetic information, the bookkeeping information acquisition unit that acquires the bookkeeping information including the bookkeeping information of the passbook from the paper surface information by the optical reading unit.
An identification code that acquires the identification code by causing the code reading unit to read the identification code for the passbook that includes information on a plurality of account types in the passbook information acquired by the passbook information acquisition unit. Acquisition department and
Based on the identification code acquired by the identification code acquisition unit, a passbook configuration identification unit that specifies configuration information indicating the configuration of the passbook, and a passbook configuration identification unit.
A query message including the passbook information acquired by the passbook information acquisition unit, the bookkeeping information acquired by the passbook information acquisition unit, and the configuration information specified by the passbook configuration identification unit is transmitted to the host computer. Inquiry telegram communication department, equipped with
The host computer
A host collation unit that collates whether or not the passbook information and the bookkeeping information inquired from the passbook handling device match the passbook information and the bookkeeping information stored in the collation storage unit of the host computer.
A collation result communication unit that transmits the collation result collated by the host collation unit to the passbook handling device is provided.
The passbook handling device is
A passbook handling system further comprising a magnetic information restoration unit that restores magnetic information of the magnetic stripe of the passbook by the magnetic information reading / writing unit based on a collation result with respect to an inquiry message of the host computer.

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