JP4647981B2 - Check deposit system - Google Patents

Description

  The present invention relates to a check deposit system used for check deposit processing in a financial institution or the like.

  Conventionally, financial institutions such as banks have been equipped with cashiers as cash processors to manage cash deposits and withdrawals in stores, and the person in charge at the counter uses the cashier to deliver cash to the cashier at the counter. They make money and make deposits that are collected from the deposit / withdrawal machine at the counter. In addition, outsiders handle withdrawals that are taken out to outside parties and deposits cash that is brought back from outside parties.

  By the way, in such a cash processing machine, cash deposit processing can be performed by putting cash into the cash processing machine, but check deposit processing cannot be performed by the cash processing machine. For this reason, after accepting checks, the clerk collects the receipt data and inputs the keys by key entry, and the check items are sorted manually or sorted by a sorter at a central center. And managed. As a technique for sorting securities such as checks, for example, a technique is disclosed in which a form stored in a temporary stacker in a form recognition processing unit is returned to sort the form (for example, Patent Document 1). reference).

JP 2001-6019 A

  However, in the conventional method in which the clerk collects the deposit data and inputs the key, it takes time to collate due to the counting error of the clerk, and the clerk's work becomes complicated because the deposit process and the sorting process are performed at different times and places. There is a problem. Therefore, it is very efficient and desirable that checks can be processed together when deposit processing is performed. However, a technology for realizing such processing has not been developed yet. Further, in the technique as described in Patent Document 1, there is no means for correcting the recognized information even when the information recognized from the image data of the form is not correctly recognized. Therefore, when the recognition from the image data is not performed correctly, it is necessary to discharge the form once to the outside of the apparatus and start again from the form taking process, which causes a problem that the processing efficiency is lowered.

  The present invention has been made in view of the above problems, and an object of the present invention is to provide a check deposit system capable of efficiently and reliably performing check deposit processing and actual item processing.

  In order to solve the above-described problems and achieve the object, a check deposit system according to the invention of claim 1 is communicably connected to a cash processing machine for depositing a check or cash and a check, and a cash processing machine. A check deposit machine that recognizes the check information, generates check deposit processing data, and performs the check deposit processing, and the cash processor uses the check deposit processing data transferred from the check deposit machine. Alternatively, a check deposit system for depositing cash and check, and if the check deposit processing data is denied in the cash processing machine, the cash processing machine checks the check deposit processing data with respect to the check deposit machine. If you send confirmation instruction information to confirm the validity of the check and receive check instruction information for check deposit processing data, the check deposit processing data And performing an equivalent of confirmation process.

  Further, the check deposit system according to the invention of claim 2 performs the check deposit process in the check deposit machine when the check deposit process data is not verified as a result of the check process of the check deposit process data. The data is corrected to generate corrected check deposit processing data, and the corrected check deposit processing data is transferred to a cash processor.

  In addition, the check deposit system according to the invention of claim 3 is arranged such that when the correctness of the corrected check deposit processing data is recognized in the cash processing machine, the check deposit machine corrects the check based on the storage instruction information from the cash processing machine. The deposit processing data is stored, and checks are automatically classified and stored.

  The check deposit system according to the invention of claim 4 performs the check deposit process when the check deposit processing data is confirmed to be valid as a result of the check processing of the check deposit processing data. It is characterized by returning a check without storing data.

  According to another aspect of the present invention, there is provided a check deposit system in which a cash processing machine generates storage instruction information and confirmation instruction information and transmits the stored instruction information and check instruction information to the check deposit machine; The cash counting means to generate cash processing data by performing cash counting, the payment data generation means to generate payment data from the cash processing data and cash processing data and the check deposit processing data, and the total deposit data of the deposit slip A check means for checking the receipt data and the total deposit data of the receipt slip, and a sending / receiving means for sending and receiving data and information to and from the check deposit machine. Retrieving means that captures data, reading means that reads the data written on the check captured in the machine and generates read data, and recognizes the read data A recognition means for generating recognition data, a payment processing data generation means for generating the check payment processing data by approving the validity of the recognition data based on an approval instruction from the cash processor, and the validity of the check payment processing data. Confirmation / correction means for generating check cheque process data by correcting the check deposit process data when validity is not recognized, and at least recognition data, check deposit process data, and revised check deposit process data Storing means, storing means for storing a check, and communication means for transmitting / receiving data to / from a cash processor.

  According to the invention of claim 1, when the validity of the check deposit processing data is denied in the cash processing machine, the cash processing machine prompts the check deposit machine to confirm the validity of the check deposit processing data. When the check deposit processing data is sent and the check instruction information of the check deposit processing data is received, the check deposit machine is configured to check the validity of the check deposit processing data. Even if the validity is denied, it is possible to carry out a predetermined deposit process by determining the post-processing after confirming the validity of the check deposit process data without immediately discarding the check deposit process data once generated. Therefore, it is possible to simplify the process and perform an efficient deposit process.

  Further, according to the invention of claim 2, the check deposit processing data is corrected in the check deposit machine if the check deposit processing data is not validated as a result of the verification processing of the check deposit processing data. Since the modified check deposit processing data is generated and the modified check deposit processing data is transferred to the cash processor, the check deposit processing data can be used effectively without discarding and the processing is simplified. And an efficient deposit process can be performed.

  According to the invention of claim 3, when the correctness of the corrected check deposit processing data is recognized in the cash processing machine, the check deposit machine performs the corrected check deposit processing data based on the storage instruction information from the cash processing machine. Since the check is stored automatically and stored, the check deposit processing data can be used effectively without being discarded, and the processing can be simplified and efficient deposit processing can be performed. Play.

  According to a fourth aspect of the present invention, when the validity of the check deposit processing data is confirmed as a result of the check processing of the check deposit processing data, the check deposit machine stores the check deposit processing data. The check payment process data is validated in the check deposit machine, but the check deposit process data is validated in the cash processing machine. And there exists an effect that storage can be prevented reliably.

  According to the invention of claim 5, the cash processing machine generates the storage instruction information and the confirmation instruction information and transmits the instruction information transmission means to the check deposit machine, and the cash count of the cash inserted into the own machine. Cash generation means for generating cash processing data by performing payment processing, payment data generation means for generating payment data from cash processing data and cash processing data and check payment processing data, and input means for inputting the total payment data of the payment slip A check means for checking the deposit data and the total deposit data of the deposit slip, and a sending / receiving means for sending and receiving data and information to and from the check deposit machine, and the check deposit machine takes in the check into the machine , A reading means for reading the data written on the check taken in the machine and generating the reading data, and generating the recognition data by recognizing the reading data Recognizing means, payment processing data generating means for generating the check deposit processing data by approving the validity of the recognition data based on the approval instruction from the cash processing machine, and checking the validity of the check deposit processing data A confirmation / correction means for correcting check payment processing data to generate corrected check payment processing data when legitimacy is not recognized, and storing at least recognition data, check payment processing data, and corrected check payment processing data Since the storage means, the storage means for storing the check, and the communication means for transmitting and receiving data to and from the cash processing machine are provided, the check payment processing without immediately discarding the check payment processing data once generated After confirming the validity of the data, post-processing can be decided and the prescribed deposit processing can be performed, simplifying the processing and improving efficiency An effect that it is possible to perform the deposit process.

  A preferred embodiment of a check deposit system according to the present invention will be described below with reference to the accompanying drawings. In addition, this invention is not limited to the following description, In the range which does not deviate from the summary of this invention, it can change suitably.

  FIG. 1-1 is a perspective view showing an example of an external configuration of a check deposit system according to the present embodiment, which includes a check deposit machine 1 and a cash processing machine 200 connected to the check deposit machine 1 so as to be able to transmit information. FIG. 1-2 is a diagram illustrating a schematic configuration of the check deposit machine 1 according to the present embodiment. Moreover, FIG. 1-3 is a figure explaining the structure part with which the cash processing machine 200 concerning a present Example is provided. As shown in FIGS. 1-1 and 1-2, this check deposit machine 1 includes a checker slot 11, a feed roller 12, and a hopper 13, a take-in part 10, a transport path 20, a reading / recognition part 30, and the like. , Temporary storage unit 40, endorser 50, plural stackers 60, storage roller 61, main control unit 70, storage unit 80, correction unit 90, deposit processing data generation unit 100, storage / discharge selection Unit 110, reject / discharge unit 120, discharge roller 121, non-standard-size storage unit 130, display unit 140, operation unit 150, communication unit 160, and deposit mode selection unit 170.

  One or a plurality of checks inserted from the check insertion slot 11 is set in the hopper 13 in the take-in unit 10, and the set checks are fed out one by one by the feeding roller 12 and taken into the check deposit machine 1. . The checks taken into the check depositing machine 1 are conveyed one by one through the check depositing machine 1 by the conveyance path 20. Here, the check to be processed by the check deposit machine 1 includes, for example, a normal standard check such as a corporate check, a special check such as a personal check or a check with a carrier envelope.

  The reading / recognizing unit 30 has an optical character reading unit such as an image scanner, and functions as an input unit for reading an image image of information described on the surface of a check to be deposited and loading it into the apparatus. . For example, as shown in FIG. 2, the image of the check 180 is optically read to generate image image data as read data. Then, the reading / recognizing unit 30 outputs the read image data to the storage unit 80. Here, the reading / recognition unit 30 reads both-side image images and outputs them to the storage unit 80 when information is written on both the front and back sides of the form.

  Further, the reading / recognizing unit 30 has character recognition means such as an OCR (Optical Character Reader), for example, and functions as a recognition means for recognizing a character from the read check image data and converting it into a document. To do. The reading / recognizing unit 30 performs character recognition by OCR from image data that is read data, generates recognition data, and outputs the recognition data to the storage unit 80. In the above description, the case where the reading / recognition unit 30 has the character recognition means has been described for convenience of explanation. However, the optical character reading function and the character recognition function are usually provided as separate functional units. The

  The temporary holding unit 40 is a holding unit that temporarily holds the check generated by the reading / recognition unit 30 until the check is stored in the stacker 60, or returned or discharged to the reject / discharge unit 120. Here, returning means returning the corresponding check to the outside when the deposit process cannot be normally performed. Further, discharging means returning a non-standard check or a desired check to the outside when the deposit process can be normally performed.

  In the temporary storage unit 40, when the image data is generated in the reading / recognition unit 30, the check is first stored in the temporary storage unit 40, and then the recognition data can be generated. As a result, even if a large amount of checks are captured and it takes time to generate recognition data, the next check can be captured and processed continuously when the image data is generated, enabling efficient payment processing. It can be carried out. Further, by holding a check in the temporary holding unit 40, the generated recognition data can be confirmed and corrected in a lump.

  Here, the temporary holding unit 40 for temporarily holding the check will be described. FIG. 3 is a cross-sectional view for explaining a configuration example of the temporary storage unit 40. Here, an example in which the temporary holding unit 40 has a cassette structure is shown. This cassette 301 is formed in a box shape, and a laterally slit-like check inlet / outlet 302 that allows the check P to enter and exit in the longitudinal direction is opened at an upper position on one side surface. In this configuration example, two tapes TA and TB (hereinafter, the two tapes may be collectively referred to as a tape T) are used, and a check P is placed between the tape TA and the tape TB. The case where it comprised so that it may be pinched | interposed and stored in the direction is shown. For the tape T, for example, a uniaxially stretched tape is used. Moreover, it is preferable that the surface of the tape T is coated with silicon or the like to prevent jamming due to adhesion of an adhesive.

  As shown in FIG. 3, rollers 303 </ b> A and 303 </ b> B through which tapes TA and TB pass are provided vertically opposite to each other in the check entrance 302. Further, on the back side and the lower side of the roller 303B provided on the lower side of the roller 303A provided on the upper side, as shown in FIG. 4, for example, a first reel having a tape-like guide flange is provided. The winding roller 304A and the first winding roller 304B are attached to the first winding shaft 305A and the first winding shaft 305B via a tension applying torque limiter 306A and a tension adding torque limiter 306B, respectively. Yes. Further, idlers 309A and 309B are arranged in the vicinity of the first winding roller 304A and the first winding roller 304B.

  At a substantially central position between the first winding rollers 304A and 304B, a second winding roller 307 having an axial length equal to or longer than the check width is provided on the second winding shaft 308. It is supported. FIG. 5 is a main part perspective view for explaining the accommodation of the check P in the second winding roller 307. The tapes TA and TB wound around the second winding roller 307 are guided to the first winding rollers 304A and 304B via the rollers 303A and 303B and idlers 309A and 309B, respectively.

  In FIG. 5, the tape width of the tape TA and the tape TB is shown to be about 1/3 of the check width. However, the tape width is not particularly limited, and the check TA and the tape can be securely inserted. Any width can be set as long as it can be stored and fed by being sandwiched by TB. In consideration of sticking stamps, etc. on checks, the tape width of the tape TA and tape TB should be such that the portion to which stamps etc. are stuck can be covered with the tape TA and tape TB. Is preferred. By setting the tape width of the tape TA and the tape TB to such a width, it is possible to prevent the peeling of the stamp and the like and store and pay out the check.

As shown in FIGS. 3 and 5, a sensor S ₁ for detecting the presence or absence of the check P is separated from the outer peripheral surface of the second winding roller 307 by a predetermined distance on the outer periphery of the second winding roller 307. Are arranged. As a result, even if one check P is wound around the second winding roller 307, this can be detected.

In addition, in the cassette 301, as shown in FIG. 3, a pair of check detection sensors S ₂ provided between the rollers 303A and 303B and the second take-up roller 307 with the tape T interposed therebetween, the roller 303A and the idler both end detection sensor S ₃ of the tape T which is provided across the tape T is placed between the 309A.

  Further, outside the check entrance 302 of the cassette 301, a transfer device 310 for feeding or taking out the check P to / from the check entrance 302 is disposed. The conveying device 310 can be constituted by, for example, a pair of upper and lower belts or roller rows.

When the check is delivered into the temporary holding unit 40 configured as described above, the second winding shaft 308 is rotated in the clockwise direction (arrow direction) in the drawing by a drive system (not shown) as shown in FIG. Let As a result, the second winding roller 307 rotates clockwise (in the direction of the arrow), and the tape T is wound around the second winding roller 307. At this time, the rotational speed of the second winding shaft 308 is set so that the winding speed V ₁ of the tape TA, TB is larger than the transport speed V ₂ of the transport device 310, and the check P is drawn. Form jams are prevented.

  Further, when the tapes TA and TB are wound by the second winding roller 307, the first winding rollers 304A and 304B try to rotate counterclockwise by the pulling action of the tape T. Since the roller shafts 305A and 305B do not rotate counterclockwise, tension is generated on the tapes TA and TB. When the tension exceeds a predetermined value, a torque greater than a predetermined value is applied to the torque limiters 306A and 306B, and the first winding rollers 304A and 304B rotate counterclockwise (arrow direction). As a result, a tension corresponding to the set torque of the torque limiter is always applied to the tapes TA and TB.

In this way, when the storing of the check P to be stored is completed, the drive system is stopped. At this time, the number of accommodated the check P is counted by the check detection sensor S _2. Then, going to house the check P by repeating the above action every time there is housed a command check P but, when receiving a predetermined amount progressed accommodating the check P, the end of the tape T is detected by the sensor S _3, Stop receiving any more. As a result, the tape T can be prevented from being damaged and the form can be securely stored.

  When the check P is discharged, the second winding shaft 308 rotates counterclockwise (arrow direction) in the drawing as shown in FIG. 6 by a drive system (not shown), and the second winding roller 307 is moved. The tapes TA and TB are rewound by rotating counterclockwise (arrow direction). Further, at this time, the first winding shafts 305A and 305B are provided with power of a winding speed faster than the speed at which the tapes TA and TB are rewound from the drive system. As a result, since the first winding rollers 304A and 304B attempt to wind the tape TA and TB at a speed higher than the speed at which the tape TA and TB are rewound, the tape TA and TB do not sag and the tape TA, Tension is generated in TB. When the tension exceeds a predetermined value, a torque exceeding a predetermined value is applied to the torque limiters 306A and 306B, and slipping occurs. As a result, a tension according to the set torque of the torque limiters 306A and 306B is always applied to the tapes TA and TB.

In this way, as the tapes TA and TB are rewound from the second take-up roller 307, the check P between the tapes TA and TB is ejected from the check entrance 302 and delivered to the transport device 310. The check P number of sheets to be discharged is stopped driving system to be detected by check detection sensor S _2, the discharge from the escrow unit of the check is completed. Then, every time there is a check P discharge command, the above operation is repeated to discharge the check P. When all the checks P are discharged, the sensor S ₁ detects the “check not stored” state, Informs the control device that the check stored in the second winding roller 307 has been exhausted. This is the time of ejection of the check relationship conveying speed V ₂ of the speed V ₁ and the transfer apparatus 310 of the tape T is set to V ₁ <V _2, which is greater towards V ₂ by a predetermined amount, to prevent jamming of the form However, it acts to pull out the check P.

  By using the temporary holding unit 40 using the tape as described above, the storing process of the check and the discharging process of the stored check can be performed by one mechanism, and the cost can be reduced. Further, since the check is stored and discharged in a state of being sandwiched between two tapes, it is possible to prevent a plurality of checks from being discharged at a time.

  Returning to the description of FIG. 1, the endorser 50 is provided in the transport path 20 closest to the temporary storage unit 40. The endorser 50 is a check that is discharged from the temporary storage unit 40. The check is approved in recognition data and stored in the stacker 60 as described later, or the recognition data is approved and discharged to the reject / discharge unit 120. Print the management serial number and date on the check. This management serial number is a management number assigned in association with a check deposit processing data, which is approval data described later, and a check. By using this management serial number, the corresponding check deposit processing data is specified from the check. In addition, the corresponding check can be identified from the check deposit processing data.

  The stacker 60 is a storage unit that temporarily holds in the temporary storage unit 40 and stores a check for which recognition data has been approved. The check is transported from the temporary storage unit 40 through the transport path 20 and stored in the stacker 60 by a storage roller 61 provided at the end of the transport path 20 on the stacker 60 side. In the check deposit machine 1, the stacker 60 includes three stackers, a stacker 60A, a stacker 60B, and a stacker 60C. By providing the plurality of stackers 60A, 60B, and 60C as described above, a predetermined check preset for each stacker is sorted and stored. In addition, although the case where the three stackers 60A, 60B, and 60C are provided is described here, the number of the stackers 60 is not limited to this and can be changed as appropriate.

  The main control unit 70 controls the processing operation of the entire check deposit machine 1 according to various programs stored in the storage unit 80. The storage unit 80 is a data storage unit that stores check image data, which is read data, check recognition data, and check deposit processing data. The storage unit 80 stores various programs used for processing of the entire apparatus. In this check deposit machine 1, the check deposit processing data is stored in the storage unit 80, and when the check is stored in the stacker 60 or discharged to the reject / discharge unit 120, the check in the check deposit machine 1 is completed. The deposit process ends. When the capacity of the storage unit 80 is small, only the recognition data and the deposit processing data may be stored without storing the image data.

  The correction unit 90 is a correction unit that checks and corrects the recognition data of the check recognized by the reading / recognition unit 30 and stored in the storage unit 80. In addition, the correction unit 90 checks the check deposit processing data (recognition data) if the deposit data and the deposit total data of the deposit slip do not match as a result of collation between the deposit data in the cash processor 200 and the deposit total data of the deposit slip. ) Is a correction means for confirming and correcting. When confirming or correcting the recognition data (check deposit processing data), the image data of the corresponding check and the recognition data (check deposit processing data) are displayed on the display unit 140, and these are visually compared. The correctness of the recognition data is confirmed by the operation unit 150. If there is a recognition error, the operation unit 150 is used to correct the recognition data.

  The deposit processing data generating unit 100 is a deposit processing data generating unit that generates a check deposit processing data by approving based on an approval instruction indicating the validity of the recognition data. Here, for example, as will be described later, the approval instruction may be an instruction given by selecting a “confirmation complete” button on the “OCR result confirmation” screen. The storage / discharge selection unit 110 is configured to select a storage mode in which a check taken in the machine is stored in the storage means or a discharge mode in which the check taken in the machine is discharged to the reject / discharge unit 120 by the operation unit 150 such as an input button. It is a selection means which selects based on the information by input.

  The reject / discharge unit 120 returns a check corresponding to a case where the deposit process cannot be performed normally, and a non-standard check or a desired check is ejected when the deposit process can be performed normally. The check is transported to the reject / discharge unit 120 by the transport path 20, and a discharge roller 121 is provided at the end of the transport path 20 on the reject / discharge section 120 side, and the reject / discharge section 120 is provided by the discharge roller 121. Thrown out.

  The non-standard storage unit 130 stores non-standard special checks that have been discharged to the reject / discharge unit 120 and have been successfully deposited. In this check deposit machine 1, the clerk inputs the non-standard check discharged to the reject / discharge unit 120 into the non-standard storage unit 130, but the conveyance path 20 is connected to the non-standard storage unit 130. It is also possible to adopt a configuration in which checks stored in the non-standard-sized storage unit 130 are automatically conveyed and stored.

  The display unit 140 displays an operation screen in processing of the check deposit machine 1, data types such as read data, recognition data, and approval data. The operation unit 150 is an input means for an attendant to input various information and the like in the operation of the check deposit machine 1, and includes a keyboard as the operation unit 150. In addition, a touch panel function provided in the display unit 140 is used. be able to. The communication unit 160 transmits / receives various information such as instruction information and data information to / from an external device.

  The deposit mode selection unit 170 is a selection unit that selects the linked deposit mode or the local deposit mode based on information from the outside. Here, the interlocked deposit mode refers to the generation of check deposit processing data in the check deposit machine 1, the combined deposit of the check deposit processing data and the cash processing data in the cash processor 200, and the storage of the check deposit processing data. And a mode for storing checks. In other words, the linked deposit mode is a mode in which the check processing in the check deposit machine 1 to the cash processing data and the total deposit in the cash processing machine 200, and further the storage of the check deposit processing data and the storage of the check are performed by continuous processing. Further, in the linked payment mode, not only the payment processing for adding the cash processing data and the security deposit processing data but also the deposit processing using only the securities deposit processing data can be performed in a continuous process.

  On the other hand, in the local deposit mode, after the check deposit process data is generated in the check deposit machine 1, the check deposit process data is stored in the cash processor 200 without performing the total deposit with the check deposit process data and the cash process data. This is a deposit mode in which the check is stored in the check depositing machine 1 and the processing is once completed, and then the cash processing machine 200 performs the total deposit. That is, in the local deposit mode, only the deposit process in the check deposit machine 1 is terminated in the first step, and after the lapse of an arbitrary time, the cash process data and the combined deposit in the cash processor 200 are performed as a second step. Mode. Therefore, the timing of storing check deposit processing data differs between the linked deposit mode and the local deposit mode.

  The cash processing machine 200 includes a banknote processing unit 230 including a bundled banknote processing unit 210 that processes bundled banknotes in units of 100 units, and a banknote processing unit 220 that processes individual banknotes, and a unit of 50 sheets. A wrapping coin dispensing machine 240 that withdraws the wrapping coins that are packed in the box, and a rose coin processing machine 250 that processes the loose coins. The bundled bill processing unit 210 is provided with a bundled bill dispensing port 211 for dispensing bundled bills and an out-of-machine discharge port 212 for discharging the bundled bills to the outside of the machine. Further, the loose banknote processing unit 220 is provided with a deposit port 221 for depositing loose banknotes, and a withdrawal port 222 for withdrawing bulk banknotes. A new ticket dispensing machine 231 is installed.

  A printer 241 for printing slips, passbooks, and the like is provided above the wrapping coin dispensing machine 240, and a wrapping coin dispensing port 242 for dispensing wrapping coins. In addition, a coin deposit port 251 for receiving rose coins is provided at the top of the rose coin processor 250, a display unit 252 for displaying guidance, data, and the like to the operator, and a card reader 253 for inserting and processing an ID card. It has been. A return port 255 for returning the rose coins is provided on the front surface of the rose coin processor 250. Furthermore, a keyboard 254 as an operation unit operated by an attendant is provided on the upper part of the wrapping coin dispenser 240 and the loose coin processor 250.

  In addition, the cash processor 200 includes an instruction information processing unit 261, a cash counting unit 262, a deposit data generation unit 263, a verification unit 264, a communication unit 265, as shown in the functional block diagram of FIG. A storage unit 266 and a main control unit 267. The instruction information processing unit 261 generates check transfer processing data transfer instruction information, check deposit processing data storage instruction information, and check deposit processing data confirmation instruction information for the check deposit machine 1 to generate the check deposit machine 1. Send to. Here, the check instruction information of the check deposit processing data is the case where the deposit data does not match the total deposit amount data of the deposit slip as described later, that is, the validity of the check deposit processing data is denied in the cash processing machine 200. This is instruction information generated to prompt confirmation of the check deposit processing data in the check deposit machine 1. The cash counting unit 262 generates cash processing data by performing a cash count of the cash that has been thrown into the machine. The receipt data generation unit 263 generates receipt data by adding the cash process data and the check deposit process data. The collation unit 264 collates the deposit data with the total deposit data described in the deposit slip. The communication unit 265 transmits and receives data and information to and from the check deposit machine 1. The storage unit 266 stores the total deposit amount data of cash and check described in the deposit slip, cash processing data, check deposit processing data transferred from the check deposit machine 1, various programs used for processing of the entire apparatus, and the like. Data storage means. The main control unit 267 controls the processing operation of the cash processing machine 200 as a whole according to various programs stored in the storage unit.

  The cash processing machine 200 configured as described above counts the cash input to the own machine to generate cash processing data which is the cash deposit data, and receives the check deposit processing data from the check deposit machine 1. Then, the cash processing data and the check deposit processing data are used to perform the deposit processing by adding the cash and the check. Further, not only the deposit processing that adds the cash processing data and the securities deposit processing data but also the deposit processing using only the securities deposit processing data can be performed.

  Next, the operation of the check deposit system according to the present embodiment configured as described above will be described by taking as an example the case of depositing a standard check. Hereinafter, the deposit processing for the standard check in the linked deposit mode will be described with reference to FIGS. FIG. 7 is a flowchart showing a processing procedure in the check deposit machine 1 and the cash handling machine 200 in the linked deposit mode. FIGS. 8 to 11 are views showing examples of display screens of the display unit 140 during the deposit process in the check deposit machine 1. FIG.

  First, the clerk turns on the check deposit machine 1. When the power is turned on, for example, a “main menu” screen as shown in FIG. The clerk uses the keyboard of the operation unit 150 to select the “1. Check payment” button on the display screen. When the “1. Check payment” button is selected, a “mode selection” screen as shown in FIG. 9 is displayed on the screen of the display unit 140.

  Next, the clerk inserts a plurality of standard checks from the check insertion slot 11 as checks to be deposited, and sets them in the hopper 13. Then, the clerk selects the “1. Continuous scan (accommodation)” button, which is the start button of the deposit process, on the “mode selection” screen shown in FIG. Here, “continuous scanning (storage)” is a mode in which checks are continuously taken into the apparatus, data is read and recognized, and finally the checks are stored in the stacker 60. By selecting this “continuous scanning (storage)” mode, it is possible to continuously perform deposit processing of a plurality of standard checks instead of depositing one by one. it can. Here, since the check deposit process is continuously performed as described above, first, when the “continuous scan (storage)” button is selected, the feeding roller 12 is operated and one standard check set on the hopper 13 is taken. One by one is started to be taken into the check deposit machine 1 (step S101).

  The standard check taken into the check deposit machine 1 is transported along the transport path 20 and transported to an image scanner which is a reading / recognition unit 30. When the standard check is conveyed to the reading / recognition unit 30, the reading / recognition unit 30 (image scanner) starts reading the image image data of the information written on the surface of the standard check and stores the read image image data. To the unit 80. The storage unit 80 stores the read image data. Next, when the image data of the standard check is stored in the storage unit 80, the reading / recognition unit 30 identifies characters from the image image data stored in the storage unit 80 by OCR, and generates recognition data. The recognition data is output to the storage unit 80. The storage unit 80 stores this recognition data (step S102).

  Then, the standard check for which the recognition data has been stored is transported to the temporary storage unit 40, where it is stored and stored (step S103). In addition to the storing operation in the temporary check unit 40 in the standard check, the next standard check set in the hopper 13 is taken into the machine, and all the standard checks are taken into the machine and held in the temporary storage unit 40. The above steps S101 to S103 are repeated. In FIG. 7 and the above description, step S101 to step S103 are schematically described separately for each step for convenience of explanation, but in actuality, step S101 to step S103 are processed continuously. .

  After all the standard checks set in the hopper 13 are taken into the apparatus, the “3. Check OCR result” button is selected on the “Mode selection” screen shown in FIG. When the “3. Confirm OCR result” button is selected, the image data field 120-1 and the recognition data field 120-2 of the “OCR result confirmation” screen are reserved in the temporary storage unit 40 as shown in FIG. The image data and recognition data of the standard check that is being displayed are displayed.

  The clerk confirms and corrects the validity of the recognition data on this screen. The recognition data is confirmed by visually comparing the display of the image image data column 120-1 and the recognition data column 120-2 on the “OCR result confirmation” screen as shown in FIG. As a result of confirming the validity of the recognition data, if an error is recognized in the recognition data or if there is an unrecognized item, the item to be corrected is selected in the recognition data column 120-2 and the correction data is input. . The correction unit 90 corrects the recognition data based on this input. Thereafter, a “confirmation completion” button that is an instruction to approve the recognition data is selected, and a “registration” button is selected. The payment processing data generation unit 100 approves the corrected recognition data based on the approval instruction indicating the validity of the recognition data, and the approved recognition data is generated as check payment processing data. This confirms the details of the check to be deposited (step S104). Note that the “confirmation completed” button and the “register” button may be provided as one button. When the “confirmation complete” button is selected and the details are confirmed, a “storage process selection” screen for instructing selection between the linked deposit mode and the local deposit mode as shown in FIG. 11 is displayed. Here, since the linked deposit mode is selected, the operation proceeds to the cash processor 200 according to the instruction on the screen. In addition, a “continuous deposit” selection button for selecting the continuous deposit mode may be provided on the “storage processing selection” screen.

  Further, as a result of comparing the display of the image image data column 120-1 and the recognition data column 120-2 to confirm the validity of the recognition data, if the validity of the recognition data is confirmed, that is, the recognition by the OCR is normal. If the process is performed, the “confirmation complete” button, which is an instruction to approve the recognition data, is selected without correcting the recognition data, and the “register” button is selected. Based on this approval instruction, the deposit processing data generation unit 100 approves the recognition data recognized by the OCR, and check deposit processing data is generated from the recognized recognition data. This confirms the details of the check to be deposited (step S104). Note that the “confirmation completed” button and the “register” button may be provided as one button. When the “confirmation complete” button is selected and the details are confirmed, a “storage process selection” screen as shown in FIG. 11 is displayed as in the above case. Here, since the linked deposit mode is selected, the operation proceeds to the cash processor 200 according to the instruction on the screen.

  When processing is continued in the linked deposit mode, the process proceeds to the cash processing machine 200 side. The clerk moves to the cash processing machine 200 side, inserts an ID card into the card reader 253, obtains authentication (step S201), and then uses the keyboard 254 to store the total deposit amount data of cash and check described in the deposit slip. Enter. Thereby, the total deposit amount data of the cash and the check described in the deposit slip is taken into the cash processor 200 (step S202). In the cash processor 200, when the total deposit amount data of the deposit slip is input, the instruction information processing unit 261 generates transfer instruction information of the check deposit processing data, and the transfer instruction information is transmitted to the check deposit machine via the communication unit 265. 1 (step S203). Further, the clerk puts cash to be deposited into the cash processing machine 200, and the cash processing machine 200 performs cash counting in the cash counting unit 262 to generate cash processing data (step S204).

  Returning to the processing on the check deposit machine 1 side, the check deposit machine 1 receives the transfer instruction information of the check deposit process data, transfers the check deposit process data to the cash processor 200 according to the transfer instruction information, and performs data counting. (Step S105). Here, in this check deposit machine 1, reception of the check instruction processing data transfer instruction information is the linked deposit mode selection process, and when the transfer instruction information is received, the check deposit machine 1 selects the deposit mode. In part 170, the linked deposit mode is selected and the process is continued.

  When the cash processing machine 200 receives the check deposit processing data transferred from the check deposit machine 1, the deposit data generation unit 263 adds the cash processing data and the check deposit processing data to generate the receipt data, and the verification unit 264 In step S205, the deposit data is compared with the total deposit amount data in the deposit slip to determine whether or not they match. In the present embodiment, an example is shown in which the cash processing data and the check deposit processing data are added together, but there are also cases where the sum is made only with the check deposit processing data. Here, if the deposit data matches the deposit total data of the deposit slip (Yes at Step S205), the instruction information processing unit 261 generates storage instruction information for the check deposit processing data and receives the check via the communication unit 265. It transmits to the machine 1 (step S206).

  The check deposit machine 1 receives the check deposit processing data storage instruction information transmitted from the cash processor 200, stores the check deposit processing data in the storage unit 80 in accordance with the store instruction information (step S106), and further temporarily. On the standard check held in the holding unit 40, the management serial number, date, etc. are printed by the endorser 50 and stored in the specified stacker 60 (step S107). As described above, when the check deposit processing data is stored in the storage unit 80 and stored in the standard check stacker 60 held in the temporary storage unit 40, the standard check deposit processing in the check deposit machine 1 is completed. finish.

  Further, the cash processing machine 200 stores the deposit data in the storage unit 266, thereby completing the total deposit process of the cash and the standard check in the cash processing machine 200 (step S207). The deposit data stored in the storage unit 266 is transmitted to, for example, a billing system terminal (not shown).

  Here, in the stacker 60 that stores the standard checks, each of the plurality of stackers 60 can be designated for storing individual checks. For example, when depositing a standard check by the check deposit machine 1 in a bank, the stacker 60A is used for storing a check for the exchange section, the stacker 60B is used for storing the check stacker for the central section, and the stacker 60C is reserved for own store. The check stacker can be divided into three types. Here, the check storage stacker (stacker 60A) for the exchange section is a stacker for storing ordinary checks. Further, the check storage stacker (stacker 60B) for the centralized section is a stacker pocket for storing the check of the previous date. Then, the check storage stacker (stacker 60C) reserved on the own store stores all the checks that are not stored in the check storage stacker (stacker 60A) for the exchange section and the check storage stacker (stacker 60B) for the central section. A stacker to store. In this way, by specifying each of the plurality of stackers 60 for storing individual checks, it is possible to automatically classify and store the checks that have been deposited. This eliminates the need for check classification processing by the clerk's manual work, and reduces the work performed by the clerk. In addition, since the classification process is performed together with the deposit process in the check deposit machine 1, the check deposit process and the sort process can be efficiently performed. Although not shown, the designation of the stacker 60 can be performed using the display unit 140 and the operation unit 150.

  In the check deposit machine 1, the standard checks can be stored in the stacker 60 in the order in which they are set in the take-in unit 10. The take-in unit 10 takes the set standard checks into the check depositing machine 1 in order from the standard check located at the upper part, and the temporary holding unit 40 stores the standard checks in the order in which they were taken into the check depositing machine 1. Temporarily hold and eject the standard checks in the reverse order of storage. The stacker 60 stores the standard checks in the order in which they are discharged from the temporary storage unit 40. By taking such a processing form, the check deposit machine 1 can store the standard checks in the stacker 60 in the order set in the take-in unit 10. Further, by taking such a processing form, the check deposit machine 1 can store the standard check in the stacker 60 in the front and back direction when set in the take-in unit 10. In the take-in unit 10, the standard check is taken into the check deposit machine 1 in the set front / back direction, and in the temporary hold unit 40, the standard check is stored in the check deposit machine 1 in the opposite direction to that at the time of take-in and temporarily held. Then, the standard check is discharged in the stored front and back direction. Then, the stacker 60 stores the standard check in the reverse direction opposite to the time when the paper is discharged from the temporary storage unit 40. Accordingly, in this check deposit machine 1, the order and the front and back direction of the standard checks stored in the stacker 60 are the same as when set in the take-in unit 10, and therefore post-processing such as order correction and front and back direction correction. Is unnecessary.

  In addition, the taking-in order in which the check is taken in from the upper part or the lower part in the taking-in part 10, the storing order in the temporary holding part 40, the discharging order, etc. is not limited to the above combination. Therefore, any combination can be used as long as the order and the front / back direction of the standard checks stored in the stacker 60 are the same as when the set is set in the take-in unit 10.

  On the other hand, returning to step S205, the case where the deposit data does not match the total deposit data of the deposit slip as a result of the collation will be described with reference to FIG. As a result of the verification, if the deposit data does not match the deposit total data of the deposit slip (No at Step S205), that is, if the validity of the check deposit processing data is denied in the cash processor 200, the check deposit processing data The instruction information processing unit 261 generates confirmation instruction information for prompting confirmation of validity and transmits it to the check deposit machine 1 via the communication unit 265 (step S208). This makes it possible to determine the post-processing after confirming the validity of the check deposit processing data without immediately discarding the check deposit processing data once generated, and to perform the predetermined deposit processing, thus simplifying the processing. It is possible to perform an efficient deposit process. When the check depositing machine 1 receives the check instruction information of the check deposit processing data, the check unit 1 displays the screen of FIG. 10 on the display unit 140 and requests the staff to confirm the check deposit processing data. In the same manner as in step S104, the clerk checks the check deposit processing data in the check deposit machine 1, that is, checks the validity of the check deposit processing data, that is, checks whether the check deposit processing data is correct (step S108). Then, it is determined whether or not the check deposit processing data needs to be corrected (step S109).

Here, a result of the check, when the validity of the check deposit process data is confirmed (when the check deposit process data is correct) (step S109 negative), the number of checks per se is considered the cause of such missing, current Since the total deposit amount data in the deposit slip cannot be matched, the standard check held in the temporary storage unit 40 by selecting the “discharge” button on the “OCR result confirmation” screen of FIG. 10 is rejected / discharge unit 120. (Step S110), and a series of deposit processing is completed. As a result, the check deposit processing data and the total deposit amount data of the deposit slip cannot be matched, that is, the check deposit processing data is validated in the check deposit machine 1, but the check deposit processing is performed in the cash processing machine 200. It is possible to reliably prevent deposit processing and storage of checks for which the validity of data is denied. On the other hand, as a result of the confirmation, if the validity of the check deposit processing data is not confirmed (if the check deposit processing data is not correct) ( Yes in step S109), the clerk will check the check deposit processing data in the same manner as in step S104. The correction is made, and the corrected check deposit processing data is generated (step S111).
Then, the corrected check deposit processing data is transferred again to the cash processing machine 200 (step S112). Thereby, the check deposit processing data once generated can be effectively used without being discarded, and the processing can be simplified and efficient deposit processing can be performed.

  Here, when the check deposit processing data is corrected, it is performed in the same manner as in step S104, and the image display data read and stored in the storage unit 80 is more accurately displayed than in step S104. It is also possible to display on the display unit 140. Thus, by increasing the display accuracy of the image image data, the check deposit processing data can be more reliably confirmed.

  Further, the reading / recognition unit 30 regenerates the recognition data by identifying the characters by OCR with higher accuracy than the case of step S102 from the image data stored in the storage unit 80, and uses the regenerated recognition data. The check deposit processing data may be automatically regenerated.

  Further, the reading / recognizing unit 30 regenerates the recognition data from the image data stored in the storage unit 80 by recognizing characters by OCR with the same accuracy as in step S102, and using the regenerated recognition data, depositing a check. The processing data may be automatically regenerated. If the data does not match again as a result of re-collation in the collation unit 264, which will be described later, the reading / recognition unit 30 uses the OCR character from the image data stored in the storage unit 80 with higher accuracy than in step S102. The recognition data may be regenerated and the check deposit processing data may be automatically regenerated using the regenerated recognition data.

  When the cash processing machine 200 receives the corrected check deposit processing data, the deposit data generation unit 263 adds the cash processing data and the corrected check deposit processing data to generate the receipt data again, and the verification unit 264 generates the receipt data. The data is compared with the total deposit amount data of the deposit slip, and it is determined whether or not they match (step S209). If the deposit data matches the deposit total data of the deposit slip (Yes at step S209), the process returns to step S206 and the process proceeds. Accordingly, the check deposit processing data can be effectively used without being discarded, and the processing can be simplified and efficient deposit processing can be performed. On the other hand, when the deposit data does not match the total deposit amount data of the deposit slip (No at Step S209), the cash processing machine 200 generates the return instruction information of the standard check in the instruction information processing unit 261, and via the communication unit 265. To the check deposit machine 1. Upon receipt of the return instruction, the check deposit machine 1 returns the standard check held in the temporary holding unit 40 to the reject / discharge unit 120 (step S113), and a series of deposit processing ends.

  In the check deposit system according to the present embodiment configured as described above, it is possible to perform check deposit processing and automatically classify and store and manage the check after deposit processing. This enables reliable deposit processing without mistakes, eliminates the need for manual check processing by the clerk, reduces the work performed by the clerk, and efficiently performs check deposit and sorting storage processing. Is possible. In addition, since the deposit processing is performed and the check is automatically classified and stored, the check is reliably managed without the check staying at the staff. Therefore, the deposit process and the actual product process can be performed simultaneously efficiently and reliably.

  Further, in the check deposit system according to the present embodiment, after the check deposit machine 1 transfers the check deposit processing data to the cash processor 200 based on the transfer instruction information from the cash processor 200, the check deposit machine 1 The linked deposit mode in which the check deposit processing data is stored based on the storage instruction information and the deposit processing is performed, and the check deposit processing data is not transferred to the cash processor 200 based on the storage instruction information from the cash processor 200. It is possible to select a local deposit mode for storing and performing deposit processing.

  By making the two deposit modes as described above selectable, the occupation time of the cash processing machine 200 can be reduced, and the waiting time for using the cash processing machine 200 can be reduced. That is, in the conventional method in which the cashier 200 collects the check deposit data and inputs a key in the cash processing machine 200, since there are many clerk's input processing operations, and it takes time for verification due to the miscounting of the clerk. There is a problem that the time for the clerk to occupy the cash processing machine becomes long, the waiting time for using the cash processing machine increases, and the processing efficiency decreases.

  However, in the check depositing system according to the present embodiment, the check depositing data is collected in the check depositing machine 1, so that the processing time in the cash processing machine 200 can be reduced, and one person in charge checks the cash processing machine 200. Time to occupy can be reduced. When the cash machine 200 is crowded, the local deposit mode is selected to store the check deposit process data and store the check first. After that, when the cash processor 200 becomes empty, By making the total deposit, the waiting time in the cash processor 200 is significantly reduced.

  In addition, when the cash machine 200 is relatively vacant, a series of processes from generation of check deposit processing data to generation of check deposit processing data, cash processing data and total deposit, storage of check deposit processing data, and storage of checks is selected. By performing the process in a lump, an efficient deposit process can be performed.

  Furthermore, in the check deposit system according to the present embodiment, the cash processing machine 200 collates the deposit data with the total deposit amount data of the deposit slip. If the deposit data does not match the total deposit amount data of the deposit slip, the instruction information The processing unit 261 generates confirmation instruction information for the check deposit processing data and transmits it to the check deposit machine 1. Then, the check depositing machine 1 checks whether the check deposit processing data (recognition data) is correct. If it is correct, the check held in the temporary holding unit 40 is returned to the reject / discharge unit 120. If the check deposit processing data (recognition data) is not correct, the check deposit processing data (recognition data) is corrected, and using the corrected check deposit processing data, the receipt data and the total deposit amount data in the receipt slip are Re-verify. If the collation results match, the deposit process proceeds. If the collation results do not match again, the check held in the temporary holding unit 40 is returned to the reject / discharge unit 120.

  By performing such processing, even if the deposit data does not match the total deposit amount data in the deposit slip, only the incorrect part is deleted without immediately destroying the generated recognition data (check deposit processing data). The payment process can be continued using the corrected data. In addition, the check deposit processing data and the total deposit amount data in the deposit slip cannot be matched, that is, the check deposit processing data is validated in the check deposit machine 1, but the check deposit processing data in the cash processing machine 200. Only checks for which the legitimacy is denied can be returned. Therefore, in the check deposit system according to the present embodiment, it is possible to simplify the process and perform an efficient deposit process.

  The check deposit system according to the present invention is useful for efficient deposit processing of a check in a financial institution or the like and storage of a check subjected to the deposit processing.

It is a perspective view which shows the example of an external appearance structure of the check payment system concerning a present Example. It is a figure explaining schematic structure of the check deposit machine concerning a present Example. It is a figure explaining the component with which the cash processing machine concerning a present Example is provided. It is a figure which shows the image of a check. It is sectional drawing explaining the example of 1 structure of a temporary storage part. It is a principal part perspective view which shows the peripheral part of a 1st winding roller. It is a principal part perspective view for demonstrating accommodation of the form to the 2nd winding roller. It is sectional drawing explaining the example of 1 structure of a temporary storage part. It is a flowchart which shows the process sequence in a check deposit machine and cash processing machine in interlocking deposit mode. It is the figure which showed an example of the display screen of the display part during a money_receiving | payment process with a check payment machine. It is the figure which showed an example of the display screen of the display part during a money_receiving | payment process with a check payment machine. It is the figure which showed an example of the display screen of the display part during a money_receiving | payment process with a check payment machine. It is the figure which showed an example of the display screen of the display part during a money_receiving | payment process with a check payment machine. It is a flowchart which shows the process sequence in a check deposit machine and cash processing machine in giving a confirmation instruction | indication.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Check payment machine 10 Taking-in part 11 Check insertion slot 12 Feeding roller 13 Hopper 20 Conveying path 30 Reading / recognition part 40 Temporary holding part 50 Endorser 60 Stacker 61 Storage roller 70 Main control part 80 Storage part 90 Correction part 100 Generation of payment processing data Unit 110 Storage / Discharge Selection Unit 120 Reject / Discharge Unit 121 Discharge Roller 130 Non-Standard Storage Unit 140 Display Unit 150 Operation Unit 160 Communication Unit 170 Deposit Mode Selection Unit

Claims (5)

Check or cash processing machine for depositing cash and check, check connected to the cash processing machine, recognizing check information, generating check deposit processing data, and performing check deposit processing A check depositing system, wherein the cash handling machine performs a deposit process of a check or cash and check using the check deposit processing data transferred from the check depositing machine,
In the case where the validity of the check deposit processing data is denied in the cash processing machine, the cash processing machine sends confirmation instruction information prompting the check deposit machine to confirm the validity of the check deposit processing data. ,
A check deposit system, wherein when the check deposit processing data confirmation instruction information is received, the check deposit machine performs a process for confirming the validity of the check deposit processing data. As a result of confirming the validity of the check deposit processing data, if the validity of the check deposit processing data is not recognized, the check deposit processing data is corrected in the check deposit machine to correct the check deposit processing data. The check deposit system according to claim 1, wherein the check deposit deposit processing data is transferred to the cash processing machine. When the correctness of the corrected check deposit processing data is recognized in the cash processing machine, the check deposit machine stores the corrected check deposit processing data based on storage instruction information from the cash processing machine, and the check The check deposit system according to claim 2, wherein the checks are automatically stored. When the validity of the check deposit processing data is confirmed as a result of the verification processing of the check deposit processing data, the check deposit machine returns the check without storing the check deposit processing data. The check deposit system according to claim 1, wherein: The cash processor is
Instruction information transmitting means for generating the storage instruction information and the confirmation instruction information and transmitting the generated information to the check deposit machine;
Cash counting means for generating cash processing data by counting cash input into the machine;
Payment data generation means for generating payment data from the cash processing data and the cash processing data and the check deposit processing data;
An input means for entering the total deposit amount data of the receipt slip;
Collation means for collating the receipt data with the deposit total data of the receipt slip;
Sending and receiving means for sending and receiving data and information to and from the check deposit machine;
With
The check deposit machine is
Taking-in means for taking the check into the plane;
Reading means for reading data written on the check taken into the machine and generating read data;
Recognition means for recognizing the read data and generating recognition data;
Payment processing data generation means for generating the check payment processing data by approving the validity of the recognition data based on an approval instruction from the cash processing machine;
Confirmation / correction means for confirming the validity of the check deposit processing data and correcting the check deposit processing data to generate modified check deposit processing data when the validity is not recognized;
Storage means for storing at least the recognition data, the check deposit processing data, and the modified check deposit processing data;
Storage means for storing the check;
The check deposit system according to claim 1, further comprising communication means for transmitting and receiving data to and from the cash processing machine.

Images