JP2022100489A - Passbook entry data printing system - Google Patents

Abstract

To allow a general-purpose printer 32 to print contents of a deposit passbook issued by each of banking institutions 14.SOLUTION: A service provider receives a request of a user 18 to acquire a passbook entry data 28 of a requesting person from a corresponding financial institution 14 with using an open API 24 (application programming interface). The passbook entry data 28 is subjected to data processing so as to be printed by a general printer 32 to generate a PDF-formatted print form 30, for example. The print form 30 is sent to the printer 32 and the like. For example, it is possible to acquire the passbook entry data 28 of the plurality of financial institutions 14 to print all of them at a single place.SELECTED DRAWING: Figure 1

Description

The present invention relates to a passbook data printing system that provides a passbook data printing service for recording deposit / withdrawal results of deposits and savings at various financial institutions.

Generally, each financial institution issues a passbook to the user and installs a dedicated passbook printing device so that the passbook can be recorded in a timely manner. However, in recent years, in order to issue and reduce management costs for passbooks, users are being encouraged to use bank deposits without passbooks. It is expected that the conventional passbook will be abolished in the near future.

As the number of users requesting a passbook to be recorded decreases, the equipment for a dedicated passbook printing device becomes unnecessary. Many financial institutions are actively sharing automated teller machines (ATMs) used for deposits and withdrawals of deposits and savings (Patent Document 1). For example, an automatic machine installed in a convenience store and shared by multiple financial institutions still does not have a passbook printing function. Therefore, a technique of writing a withdrawal record in an electronic medium instead of a conventional passbook has also been introduced (Patent Document 2).

2006-127177 2018-28930 Gazette 2020-68032 Gazette

However, some users make effective use of their passbooks to accurately list deposit and withdrawal records. There are also public institutions that require, for example, to submit a copy of the financial institution name, branch name, account number and transaction details listed in the passbook. It is also necessary to provide a service that can easily print the passbook data of various financial institutions in one place if possible. The present invention has been made by paying attention to the above points.

The following configurations are means for solving the above-mentioned problems, respectively.

<Structure 1>
An automatic machine used by financial institutions to process deposits and withdrawals
When the user's identity verification information and account information are acquired and a passbook print request is entered.
The above identity verification information, financial institution identification information, and account information are transmitted from the automatic machine to the service institution connected to this automatic machine via the open API (application programming interface).
The service institution acquires the user's passbook book data from the financial institution specified by the financial institution identification information and the account information, and generates a print form for printing the passbook book data on a predetermined form. , Reply to the above automatic machine,
The automatic machine is a passbook data printing system characterized by sending the above print form to a printer connected to the automatic machine and printing it on a predetermined sheet of paper.

<Structure 2>
When the above-mentioned automatic machine determines that the financial institution specified by the above-mentioned user's financial institution identification information and account information is not its own bank, the above-mentioned identity verification information, financial institution identification information and account information are given to the above-mentioned service institution. The passbook entry data printing system according to the configuration 1, wherein the data is sent to request the generation of a print form.

<Structure 3>
The above printer stores the print form sent from the above automatic machine in the storage device, reads the card used when operating the above user's automatic machine, and reads the user's identification code and the above printing. The passbook entry data printing system according to configuration 1 or 2, wherein printing of the corresponding print form is executed when the identification codes of the forms match.

<Structure 4>
The above printer stores the print form sent from the above automatic machine in the storage device, and the user's identification code printed on the receipt printed by the above automatic machine's receipt printer and discharged to the user. The passbook entry data printing system according to configuration 1 or 2, wherein printing of the corresponding print form is executed when the user identification codes included in the above print form match.

<Structure 5>
When the print control device that controls the printer acquires the user's identity verification information, financial institution identification information, and account information, and a passbook printing request for the corresponding deposit account is input.
The above-mentioned identity verification information, financial institution identification information, and account information are transmitted from the print control device to the service institution connected to the print control device via the network.
The service institution acquires the user's passbook book data from the financial institution specified by the financial institution identification information and the account information, and generates a print form for printing the passbook book data on a predetermined form. , Reply to the above print control device,
The print control device is a passbook book data printing system characterized in that the print form is transmitted to the printer and printed on a predetermined sheet of paper.

<Structure 6>
The computer or mobile terminal device used by the user is equipped with a computer program that functions as the above-mentioned print control device.
The passbook book data printing system according to configuration 5, wherein the computer or mobile terminal device obtains a print form from a service organization capable of printing passbook book data with the printer.

<Structure 7>
A computer program that causes a computer to function as the communication device and the print form generator in the service organization according to any one of the configurations 1 to 6.

<Effect of Configuration 1>
Since the service organization generates a print form, it is possible to print passbook data with a general-purpose printer without using a passbook. It is possible to print the passbook data of any multiple financial institutions at once with one operation.
<Effect of configuration 2>
If the automatic machine has the equipment to print the bankbook of its own bank, a dedicated printer can be used, and the bankbook of another bank can be printed by a general-purpose printer.
<Effect of configuration 3>
Even if the printer is installed in a place away from the automatic machine, the user can be identified and printed by the card information or the like.
<Effect of configuration 4>
When print forms for different users are sent from a plurality of automatic machines, the users can be identified and printed by a barcode or the like printed by a receipt printer.
<Effect of configuration 5>
The print control device that controls the printing of the printer communicates with the service organization and acquires the print form for passbook printing. It is possible to print passbook data using a cheaper print control device dedicated to printer control instead of an automatic machine.
<Effect of configuration 6>
If the print form is received by the computer or mobile terminal device used by the user, it can be printed by any printer.

It is explanatory drawing of the system of Example 1. FIG. It is operation sequence chart of the system of Example 1. FIG. It is another operation sequence chart of the system of Example 1. FIG. It is explanatory drawing of the system of Example 2. It is operation sequence chart of the system of Example 2. FIG. It is explanatory drawing of the system of Example 3. FIG. It is operation sequence chart of the system of Example 3. FIG.

In the present invention, the contents of a passbook issued for each financial institution can be printed by, for example, a general printer. The service institution accepts the user's request so that the passbook data of as many financial institutions as possible can be printed, and the requester from the relevant financial institution using the open API (application programming interface). Get the passbook book data of. The passbook data is processed so that it can be printed by a general printer, and a print form in PDF format is generated, for example. This print form is sent to a printer or the like. For example, it is possible to acquire passbook data of multiple financial institutions and print them all at once.

In each of the following examples, the service institution acquires the passbook book data from the corresponding financial institution using the open API and provides it to the user at the request of the user. Various routes for sending a message for a passbook print request from a user to a service organization can be considered as follows.

When requesting a passbook by operating an automated teller machine (ATM) installed in a financial institution, for example, the service institution is notified via a router installed inside the financial institution and various highly secure networks. Send a message. It is also possible to directly connect the automatic machine and the service organization via an arbitrary network to send a message. For example, a wired network such as VPN or a wireless network such as LTE can be used as the network.

Further, as the interface operated by the user, in addition to the automatic machine, a dedicated control device for controlling the printer, a mobile terminal device owned by the user, and the like are suitable. The printer may be one that can print on general-purpose plain paper. It may be a printer installed inside a financial institution and used for various printing operations, or it may be a printer used for a printing service at a convenience store or the like.

The print form generated by the service organization may be transferred to a storage device such as an automatic machine or a mobile terminal device operated by the user, and then operated by the user to print. Another method is to send the print form directly from the service organization to the storage device of the printing device. In the following examples, characteristic examples will be given and described.

The first embodiment will be described with reference to FIG. In the passbook book data printing system 12 of this embodiment, the user 18 requests the printing of the passbook book data for the deposit / withdrawal record of the financial institution B by using the automatic machine 16 of the financial institution 14A. .. It is assumed that the financial institution 14A is equipped with, for example, a printer 32 that prints on general paper in addition to a dedicated passbook / bookkeeping machine (not shown). With this system, the financial institution 14A can undertake printing of deposit / withdrawal records of its own bank with a dedicated passbook bookkeeping machine and deposit / withdrawal records of other banks with a general printer 32.

The service institution 26 shown in FIG. 1 can acquire passbook data for deposit / withdrawal records from various financial institutions that have contracted in advance, for example, the financial institution 14B. When there is a passbook printing request from the automatic machine 16, the service institution 26 collects the passbook entry data of the corresponding financial institution 14B and includes, for example, the financial institution name, branch name, account number, depositor name and deposit / withdrawal record. A print form is generated and sent to the printer 32.

The print form generation unit 27 provided in the service institution 26 has a function of generating a print form including a deposit / withdrawal record in a predetermined format using the passbook book data acquired from the financial institution 14B. Generally, a passbook printing machine lays out and outputs characters and numerical values necessary for printing on the premise of a frame pre-printed on the passbook and the page design of the passbook.

On the other hand, the print form generation unit 27 uses the passbook book data acquired from the financial institution 14B including the print data of the passbook cover and the book page, and is almost the same as copying the passbook with a copier. It is good to generate a print form with the layout of. Of course, you may edit with your own layout.

The communication device 29 provided in the service institution 26 has a function of communicating as described above with the financial institutions A and B using the open API 24. Further, the communication device 29 has a function of transmitting the print form generated by the print form generation unit 27 to the printer 32 via the Internet 15.

FIG. 1 shows the processing flow of the passbook bookkeeping data printing system 12 in S1 to S11. The sequence of data communication in this process is illustrated in FIGS. 2 and 3. FIG. 2 shows an example in which when the user 18 requests the automatic machine 16 to print a passbook, printing is immediately performed by the attached printer 32.

On the other hand, in FIG. 3, when there is a passbook printing request from a plurality of automatic machines 16, the printer 32 temporarily stores each print form, and each user 18 performs the identity verification process before the corresponding printing. Here is an example of selecting and printing a form.

In FIG. 2, the automated teller machine (ATM) 16 used by the financial institution 14A (FIG. 1) for deposit / withdrawal processing of deposits and savings first reads the card 34 of the user 18 (step S1). Here, the passbook printing request by the user 18 is accepted (step S2).

The automatic machine 16 transmits the identity verification information 20, the financial institution identification information 21, and the account information 22 read from the card 34 of the user 18 to the service institution 26 together with the passbook printing request (step S3). , 4). This message is transmitted to the service institution 26 via a router or the like in the financial institution. Alternatively, as shown by arrow Z, it is transmitted directly to the service institution 26 via a wired or wireless network.

The service institution 26 requests the financial institution 14B specified by the financial institution identification information 21 and the account information 22 to receive the above-mentioned user's passbook data 28 via the open API 24 (step S5). At the same time as this request, the identity verification information 20, the financial institution identification information 21, and the account information 22 of the user 18 are also transmitted to the financial institution 14B (step S6).

After that, the service institution 26 acquires the passbook entry data 28 of the user 18 from the financial institution 14B (step S7). The print form generation unit 27 of the service organization 26 generates a print form 30 for printing the passbook entry data 28 on a predetermined sheet (step S8). The print form 30 is transmitted to the automatic machine 16 or the printer 32 of the financial institution 14A via the Internet 15 (step S9).

Unlike the passbook / bookkeeping machine, the general-purpose printer 32 is very inexpensive, so that it can be directly connected to each automatic machine 16. In that case, the automatic machine 16 gives a printing instruction to the printer 32, and the printer can be automatically printed on a predetermined sheet and provided to the user (steps S10 and 11).

In this case, the print form 30 may be transmitted to the financial institution 14A and stored in the storage device installed inside the financial institution 14A, or may be stored in the storage device of the automatic machine 16. Further, if the printer 32 has a function of storing PDF data and processing the PDF data inside the printer, the print form 30 may be directly transferred to the storage device of the printer 32. Since the print form 30 such as PDF data and the control data held inside the printer 32 immediately before printing are substantially the same, they are referred to as the print form 30 without distinction.

As described above, when the service organization 26 generates the print form 30, the passbook entry data 28 can be printed by the general-purpose printer 32 without using the deposit passbook. Financial institutions can reduce the number of dedicated printers they hold and eliminate them altogether in the future, which will contribute to the reduction of equipment costs.

It is also conceivable that the financial institution 14A guides the user to a dedicated passbook printer when the passbook entry of the bank's deposit account is requested. Therefore, the automatic machine 16 transmits a passbook printing request to the service institution 26 only when it is determined that the financial institution 14 specified by the financial institution identification information 21 and the account information 22 of the user 18 is not its own bank. It is possible to handle it. When the automatic machine 16 is connected to the equipment for printing the passbook of the own bank, the dedicated printer 32 can be used, and the passbook printing of the other bank can be printed by the general-purpose printer 32.

(Use of shared printer)
The system configuration may be almost the same as that shown in FIG. 1, but a process when one printer is shared by a plurality of automatic machines will be described. In this case, as shown in FIG. 3, exactly the same processing is performed up to step S8. Then, in step S9, the print form 30 is stored in the storage device of the printer 32 and waits for a print instruction. At this time, it is assumed that each print form 30 is attached with the identification code of the card 34 used when operating the automatic machine 16 of the user 18.

Here, it is assumed that the printer 32 is equipped with an identification device for verifying the identity of the user 18. For example, it is provided with a device for reading the card 34 possessed by the user 18. Then, when the user 18 comes to the printer and reads the card 34, the printer 32 collates the identification code of the user 18 with the identification code of the print form 30. Then, when the two match, printing of the corresponding print form 30 is executed.

Many ordinary automatic machines come with a receipt printing device. The identification code of the user 18 may be printed on this receipt with a bar code or the like, discharged to the user 18, and read by the printer 32. Even when the printer 32 is shared by a plurality of automatic machines 16 or the printer 32 is installed at a place away from the automatic machine 16, the user 18 can be identified, the user can be confirmed, and printing can be performed. can.

This embodiment will be described with reference to FIGS. 4 and 5. The print control device 40 having a function of communicating with the service organization 26 and controlling the printer is used. In this embodiment, no automatic machine is used. In the first embodiment, an example in which the automatic machine 16 is the print control device 40 has been described. The print control device 40 may be built in the printer 32. Further, if the user 18 can operate a mobile terminal device such as a smartphone, and if the following functions are added to the application, the smartphone functions as the print control device 40.

In FIG. 4, the processing of the print control device 40 is substantially the same as the processing of the automatic machine 16 of FIG. The print control device 40 requests the input of the identity verification information 20, the financial institution identification information 21, and the account information 22 of the user 18, and accepts the passbook printing request of the corresponding deposit account (steps S1 and 2).

The print control device 40 is connected to the service organization 26 via the Internet or other networks. The print control device 40 transmits the identity verification information 20, the financial institution identification information 21, and the account information 22 to the service institution 26 to request the passbook entry data 28 (steps S3 and 4).

The service institution 26 acquires the passbook entry data 28 of the user 18 from the financial institution 14B and generates a print form 30 for printing the passbook entry data 28 on a predetermined sheet in the same manner as in the first embodiment. (Steps S5-8). The print form 30 is transmitted to the print control device 40 together with the one-time password, for example (step S9).

The one-time password is for ensuring the security of the transfer of the passbook book data 28 transmitted from the service organization 26 to the print control device 40, and the user 18 can safely open the passbook book data 28 using the one-time password and the printer. It is possible to give a print instruction to 32 (steps S10 and 11).

If the print control device 40 that controls the printing of the printer 32 communicates with the service organization 26 to acquire the print form 30 for printing the passbook, the passbook entry data 28 can be printed more economically. If the print control device 40 is a mobile terminal device of the user 18, it can be said that it is convenient for the user, has high security, and is economically optimal.

This embodiment will be described with reference to FIGS. 6 and 7. In this embodiment, it is assumed that the user 18 has deposit accounts in a plurality of financial institutions and wishes to print these passbook data together with one printer. Further, in the example of the figure, the passbook data of the financial institution 14A and the financial institution 14B are both printed by one printer by using the automatic machine 16 of the financial institution 14A. This is suitable, for example, when the financial institution 14A or its branch office does not have a dedicated passbook bookkeeping machine.

Steps S1 to S4 are the same as the system of the first embodiment. In step S5, the service institution 26 requests the financial institution 14A and the financial institution 14B for the passbook data. For example, when the financial institution 14A has already acquired the identity verification information and the account information of the user 18, the return passbook book data is returned to the service institution 26 (step S7). On the other hand, the identity verification information and the account information are transmitted to the financial institution 14B together with the request for the passbook data (steps S5 and S6). The financial institution 14B receives this request and returns the passbook data to the service institution 26 (step S7).

Subsequent processing is almost the same as in Example 1. In this example, a one-time password was added to ensure the security of the passbook entry data 28 transfer. By the above processing, the passbook data of the financial institution 14A and the financial institution 14B can be collectively printed by the printer 32.

12 Passbook bookkeeping data printing system 14 Financial institution 15 Internet 16 Automatic machine 18 User 20 Identity verification information 21 Financial institution identification information 22 Account information 24 Open API
26 Service organization 27 Print form generator 28 Bookkeeping data 29 Communication device 30 Print form 32 Printer 34 Card 40 Print control device 42 Portable terminal device

Claims (7)

An automatic machine used by financial institutions to process deposits and withdrawals
When the user's identity verification information and account information are acquired and a passbook print request is entered.
The above identity verification information, financial institution identification information, and account information are transmitted from the automatic machine to the service institution connected to this automatic machine via the open API (application programming interface).
The service institution acquires the user's passbook book data from the financial institution specified by the financial institution identification information and the account information, and generates a print form for printing the passbook book data on a predetermined form. , Reply to the above automatic machine,
The automatic machine is a passbook data printing system characterized in that the above print form is sent to a printer connected to the automatic machine to print on a predetermined sheet of paper. When the above-mentioned automatic machine determines that the financial institution specified by the above-mentioned user's financial institution identification information and account information is not its own bank, the above-mentioned identity verification information, financial institution identification information and account information are given to the above-mentioned service institution. The passbook entry data printing system according to claim 1, wherein the data is sent to request the generation of a print form. The above printer stores the print form sent from the above automatic machine in the storage device, reads the card used when operating the above user's automatic machine, and reads the user's identification code and the above printing. The passbook entry data printing system according to claim 1 or 2, wherein printing of the corresponding print form is executed when the identification codes of the forms match. The above printer stores the print form sent from the above automatic machine in the storage device, and the user's identification code printed on the receipt printed by the above automatic machine's receipt printer and discharged to the user. The passbook entry data printing system according to claim 1 or 2, wherein when the user identification codes included in the above print form match, the corresponding print form is printed. When the print control device that controls the printer acquires the user's identity verification information, financial institution identification information, and account information, and a passbook printing request for the corresponding deposit account is input.
The above-mentioned identity verification information, financial institution identification information, and account information are transmitted from the print control device to the service institution connected to the print control device via the network.
The service institution acquires the user's passbook book data from the financial institution specified by the financial institution identification information and the account information, and generates a print form for printing the passbook book data on a predetermined form. , Reply to the above print control device,
The print control device is a passbook book data printing system characterized in that the print form is transmitted to the printer and printed on a predetermined sheet of paper. The computer or mobile terminal device used by the user is equipped with a computer program that functions as the above-mentioned print control device.
The passbook book data printing system according to claim 5, wherein the computer or mobile terminal device obtains a print form from a service organization capable of printing passbook book data with the printer. A computer program that causes a computer to function as the communication device and the print form generator in the service organization according to any one of claims 1 to 6.

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