JP5385112B2 - Passbook entry system - Google Patents

Description

  The present invention relates to a passbook bookkeeping system capable of performing a bookkeeping process on a passbook of a plurality of financial institutions and an apparatus therefor.

  In a financial institution such as a bank, a user can perform cash deposit / withdrawal processing using an ATM (automatic cash transaction apparatus) installed in a store of the financial institution. In recent years, it has become possible to perform deposit / withdrawal processing of accounts of other financial institutions that have been affiliated online.

  However, the bankbook of a financial institution generally has different specifications (position / format of magnetic stripe, item arrangement on the bankbook, etc.) for each financial institution. For this reason, when performing deposit / withdrawal processing of an account of another bank in a certain store, it is limited only to the transaction using a card, and it is the present condition that it cannot be booked to a passbook.

  A technique for eliminating such inconvenience is disclosed in Patent Document 1. In this prior art, when the magnetic stripe of the bankbook cannot be read, the transaction information is read from the cash card (bank card) to identify the partner financial institution, and the book entry process is executed.

  However, this conventional technique has a problem that a user who wants to book in the passbook must always prepare both a passbook and a cash card, and a user who wants to just book will be forced to prepare more than necessary. It was.

  Furthermore, ATMs have recently been installed not only in financial institution stores but also in non-financial institution stores such as convenience stores. Convenience store-installed ATMs are very convenient because they are open 24 hours a day, and the number of large-scale stores deployed throughout the country, but convenience store-installed ATMs do not have a function to handle bankbooks. . For this reason, passbook entry at convenience stores is not possible at present, and in order to perform passbook entry, it is necessary to install a device capable of online passbook entry separately from ATM. However, even if a passbook entry device is installed, the position of the magnetic stripe in the passbook is completely different depending on the financial institution, so that there is a problem of how to accurately read the magnetic stripe.

JP 2001-202567 A

  An object of the present invention is to provide a technique that enables a bookkeeping process even for passbooks with different specifications issued by a plurality of financial institutions.

SUMMARY An advantage of some aspects of the invention is to solve at least a part of the problems described above, and the invention can be implemented as the following forms or application examples.
One aspect of the present invention is a bankbook entry system,
A relay center that distributes printing information to be recorded in individual passbooks respectively used by a plurality of financial institutions;
A passbook entry device connected to the relay center via a network and capable of performing a bookkeeping process in accordance with print information distributed from the relay center;
An ID registration device that reads account identification information from a magnetic stripe of a passbook, obtains a passbook ID associated with the account identification information, and issues an ID seal in which the passbook ID is registered;
With
The bankbook entry device
An ID reading unit that reads the passbook ID from the ID sticker attached to the passbook separately from the magnetic stripe;
A print information acquisition unit that transmits a print information request including the read passbook ID to the relay center, and acquires print information to be recorded in the passbook from the relay center;
Using a printing form suitable for the bankbook determined according to the bankbook ID, and a bankbook printing unit that performs printing on the bankbook according to the printing information;
With
The passbook ID is unique identification information not including account identification information recorded in the magnetic stripe,
The ID registration device transmits an ID issue request including the account identification information to the relay center,
The relay center is
(I) Issuing a passbook ID to the ID registration device in response to an ID issue request received from the ID registration device;
(Ii) When the passbook ID is issued, the correspondence between the passbook ID and the account identification information is registered in the passbook information database, and the print information to be printed on the passbook with the passbook ID attached is printed in the passbook information database And register
(Iii) When a print information request is received from the passbook entry device, the passbook ID included in the received print information request is used to identify the financial institution and passbook with reference to the passbook information database, and to the specified passbook This is a passbook entry system that returns suitable print information to the passbook entry device.
According to this system, the passbook entry device returns the print information to be entered in the passbook in response to the print information request including the passbook ID read from the passbook. The printing form can be used to perform printing on the passbook, and the bookkeeping process can be performed even with passbooks of different specifications issued by a plurality of financial institutions. It is also possible to issue an ID sticker registered with a passbook ID and attach it to the passbook. Furthermore, a passbook ID that does not include account identification information can be issued and associated with the passbook. Further, in response to a print information request including this passbook ID, it is possible to transmit appropriate print information to the book entry device.

[Application Example 1]
A passbook entry system,
A relay center that distributes printing information to be recorded in individual passbooks respectively used by a plurality of financial institutions;
A passbook entry device connected to the relay center via a network and capable of performing a bookkeeping process in accordance with print information distributed from the relay center;
With
The bankbook entry device
An ID reading unit that reads a passbook ID affixed to the passbook separately from the magnetic stripe;
A print information acquisition unit that transmits a print information request including the read passbook ID to the relay center, and acquires print information to be recorded in the passbook from the relay center;
Using a printing form suitable for the bankbook determined according to the bankbook ID, and a bankbook printing unit that performs printing on the bankbook according to the printing information;
A passbook entry system.
According to this system, the passbook entry device returns the print information to be entered in the passbook in response to the print information request including the passbook ID read from the passbook. The printing form can be used to perform printing on the passbook, and the bookkeeping process can be performed even with passbooks of different specifications issued by a plurality of financial institutions.

[Application Example 2]
A passbook entry system according to application example 1,
The print information acquisition unit acquires, as a response to the print information request, print form type information indicating a print form type suitable for the passbook together with the print information from the relay center;
The bankbook printing system, wherein the bankbook printing unit selects a printing form suitable for the bankbook from a plurality of printing forms prepared in advance according to the printing form type information.
According to this configuration, it is possible to determine an appropriate print form from a plurality of print forms according to the print form type information returned from the relay center.

[Application Example 3]
A passbook entry system according to application example 1,
The bankbook printing system, wherein the bankbook printing unit selects a printing form suitable for the bankbook from a plurality of printing forms prepared in advance according to the bankbook ID.
According to this configuration, it is possible for the passbook entry device itself to determine an appropriate print form from the passbook ID.

[Application Example 4]
A passbook entry system according to application example 1,
The print information acquisition unit, as a response to the print information request, acquires a print form suitable for the passbook together with the print information from the relay center.
According to this configuration, since the printing form itself is acquired from the relay center, it is easy to change the printing form.

[Application Example 5]
The bankbook entry system according to any one of Application Examples 1 to 4, further comprising:
Read account identification information from the magnetic stripe of the passbook, obtain a passbook ID associated with the account identification information, and includes an ID registration device that issues an ID seal in which the passbook ID is registered,
The ID reading unit reads a passbook ID from an ID sticker attached to the passbook.
According to this configuration, it is possible to issue an ID sticker in which a passbook ID is registered and attach it to the passbook.

[Application Example 6]
A passbook entry system according to Application Example 5,
The passbook ID is unique identification information not including account identification information recorded in the magnetic stripe,
The ID registration device transmits an ID issue request including the account identification information to the relay center,
The relay center is
(I) Issuing a passbook ID to the ID registration device in response to an ID issue request received from the ID registration device;
(Ii) When the passbook ID is issued, the correspondence between the passbook ID and the account identification information is registered in the passbook information database, and the print information to be printed on the passbook with the passbook ID attached is printed in the passbook information database And register
(Iii) When a print information request is received from the passbook entry device, the passbook ID included in the received print information request is used to identify the financial institution and passbook with reference to the passbook information database, and to the specified passbook A passbook entry system for returning suitable print information to the passbook entry device.
According to this configuration, a passbook ID that does not include account identification information can be issued and associated with the passbook. Further, in response to a print information request including this passbook ID, it is possible to transmit appropriate print information to the book entry device.

  The present invention can be realized in various forms, for example, a passbook entry method and apparatus, a control method and apparatus therefor, a computer program for realizing the functions of these methods or apparatuses, and a computer therefor It can be realized in the form of a recording medium on which the program is recorded. As the recording medium, a substantial recording medium such as a CD-ROM, a DVD, or a hard disk device can be used.

It is explanatory drawing which shows the structure of the passbook bookkeeping system as 1st Embodiment of this invention. It is a flowchart which shows the procedure of passbook ID issue. It is explanatory drawing which shows the mode of issuing and sticking of ID sticker. It is explanatory drawing which shows an example of the registration content of a passbook information database. It is explanatory drawing which shows an example of an internal structure of a bankbook bookkeeping machine. It is a flowchart which shows the procedure of the book-keeping process using the passbook with which the ID seal | sticker was stuck. It is explanatory drawing which shows the example of the printing state in two types of bankbooks. It is explanatory drawing which shows the structure of the passbook bookkeeping system as 2nd Embodiment of this invention.

A. First embodiment:
FIG. 1 is an explanatory diagram showing the configuration of a passbook entry system as a first embodiment of the present invention. This passbook entry system includes a relay center 100, an ID registration device 310 and a passbook entry device (passbook entry device) 320 installed in the store 300. The relay center 100, the ID registration device 310, and the passbook bookkeeping machine 320 are connected to each other via the first network. The relay center 100 is further connected to data centers 210 and 220 of a plurality of financial institutions via a second network.

  The relay center 100 acquires and stores print information and print form type information (described later) from the data centers 210 and 220 of a plurality of financial institutions, and also stores these information in response to a request from the passbook bookkeeping machine 320. It has a function to distribute. The relay center 100 can be called a “print information distribution center”, and can also be called a “relay device” or a “print information distribution device”. In the example of FIG. 1, the relay center 100 includes a passbook information management server 110 and a passbook information database 120. In the passbook information database 120, correspondence between IDs assigned to individual passbooks (also referred to as “passbook ID”) and magnetic stripe information, and print information indicating the contents to be printed in the passbook are registered. . The passbook information management server 110 has a function of registering the correspondence between the passbook ID and the magnetic stripe information in the passbook information database 120 and a function of providing print information to be written in response to a request from the passbook recorder 320. Have.

  The ID registration device 310 uses an MS reading unit 312 that reads magnetic stripe information (referred to as “MS information”) from the magnetic stripe of the passbook PB and a passbook ID issued from the passbook information management server 110 of the relay center 100. And an ID sticker issuing unit 314 that creates the ID sticker SL. The issued ID seal SL is attached to the passbook by the user of the passbook PB. Note that the ID seal SL is usually formed in a sheet-like shape, so it can also be called an “ID sheet”. The passbook recorder 320 has an ID reading unit 322 that reads the passbook ID from the ID sticker SL affixed to the passbook, and a passbook printing unit 324 that executes print processing (bookkeeping processing) according to the print information transmitted from the passbook information management server 110. And have.

  FIG. 2 is a flowchart showing a procedure for issuing a passbook ID using the ID registration device 310, and FIG. 3 is an explanatory diagram showing how ID stickers are issued and pasted. In FIG. 2, single-line blocks indicate steps executed by the ID registration apparatus 310, and double-line blocks indicate steps executed by the relay center 100. First, in step S100, the MS information of the bankbook is read using the MS reading unit 312. The MS information includes account identification information that can identify a passbook account when performing a transaction using the passbook. The account identification information includes a financial institution name, an account number, a name, and a passbook type. As illustrated in FIG. 3A, the passbooks PBa and PBb of different financial institutions often have different positions and sizes of the magnetic stripe MS. Therefore, in order to be able to read MS information from the magnetic stripe MS of various passbooks, the MS reading unit 312 may adopt a system in which the operator manually scans the magnetic stripe MS. preferable. However, as the MS reading unit 312, it is also possible to adopt an automatic scanning reading type device that reads MS information when a passbook is passed through the slot.

  In step S110 of FIG. 2, the ID seal issuing unit 314 of the ID registration device 310 transmits the MS information read from the passbook to the relay center 100, and requests registration of the MS information and issue of the passbook ID. In step S120, the passbook information management server 110 of the relay center 100 registers the MS information in the passbook information database 120 and issues a passbook ID associated with the MS information.

  FIG. 4 is an explanatory diagram showing an example of registered contents in the passbook information database 120. The passbook information database 120 includes a passbook ID, MS information (account identification information), print status information, unprinted information, and print form type information. The MS information includes a financial institution name, an account number, a name, and a passbook type. When the passbook information management server 110 receives an MS information registration request from the ID registration device 310, the passbook information management server 110 checks whether or not the MS information has already been registered in the passbook information database 120. Is newly registered in the database 120, a new passbook ID is issued, and the passbook ID is registered in the database 120 in association with the MS information. As this bankbook ID, an identifier having no particular meaning can be used. This is because the correspondence between the passbook ID and the MS information is registered in the passbook information database 120, and it is not necessary to identify the passbook account from the passbook ID itself. However, you may use what contains a part or all of MS information as a passbook ID. The passbook information database 120 does not need to register all the information recorded in the magnetic stripe of the passbook, but at least account identification information for identifying the account may be registered in the passbook information database 120. preferable.

  In the passbook information database 120, print status information, unprinted information, and print form type information are registered for each passbook. The printing status information is information indicating how many pages and how many lines of the passbook have been printed. The unprinted information is information indicating the content (transaction progress) to be printed on the passbook. The print form type information is information for identifying a print form suitable for a passbook. As the print form type information, for example, information for identifying a financial institution name and a passbook type (such as “Bank A passbook type A1”) can be used. The print status information, the non-print information, and the print form type information are supplied from the data centers 210 and 220 (FIG. 1) of each financial institution according to the MS information. The passbook ID registered in the passbook information database 120 is returned from the passbook information management server 110 to the ID registration device 310.

  In step S <b> 130 of FIG. 2, the ID registration device 310 receives a passbook ID from the passbook information management server 110. In step S140, the ID sticker issuing unit 314 issues an ID sticker SL in which the passbook ID is recorded. As shown in FIG. 3B, the ID seal SL is affixed to the passbook. In this example, a wireless IC tag (RFID tag) is used as the ID seal SL. However, as the ID sticker SL, a one-dimensional bar code, a two-dimensional bar code, a sticker on which a passbook ID is printed by stealth ink, or the like recorded with an ID so as to be machine-readable in any other format is used. It is possible. The ID seal SL is preferably attached to a predetermined position of the bankbook (for example, the center of the back cover). In this way, it is possible to reliably read the passbook ID from the ID seal SL. However, the use of the wireless IC tag type ID sticker SL has an advantage that the allowable range of the position where the ID sticker SL is applied is wide. Specifically, the wireless IC tag type ID seal SL can be read even if it is affixed to the inside of the passbook (for example, the inner surface of the back cover), and can be read correctly even if the affixing position is slightly deviated. Is possible. Thus, when the ID seal SL is affixed to the passbook, it is possible to perform a bookkeeping process with the passbook writing machine 320 (FIG. 1) using only this passbook, and at this time, no cash card is required.

  FIG. 5 is an explanatory diagram showing an example of the internal configuration of the passbook bookkeeping machine 320. In addition to the ID reading unit 322 and the passbook printing unit 324 described in FIG. 1, the passbook bookkeeping machine 320 includes a scanner 326, a print information acquisition unit 328, and a transport mechanism 330. The transport mechanism 330 includes a transport path 332 and a transport roller 334, and transports the passbook inserted from the passbook insertion port 340 provided on the front surface of the bankbook entry machine 320 along the transport path 332. The scanner 326, the passbook printing unit 324, and the ID reading unit 322 are arranged along the conveyance path 332.

  FIG. 6 is a flowchart showing a procedure of a bookkeeping process using a passbook with an ID seal attached. In FIG. 6, single-line blocks indicate steps executed by the passbook bookkeeping machine 320, and double-line blocks indicate steps executed by the relay center 100. When the passbook is inserted into the passbook recorder 320, in step S200, the ID reading unit 322 reads the passbook ID from the ID sticker SL, and the scanner 326 scans the printing state and reads the image. In step S <b> 210, the print information acquisition unit 328 transmits a print information request including the read passbook ID and the print state from the passbook recorder 320 to the relay center 100.

  FIG. 7 is an explanatory diagram illustrating an example of a printing state in two types of passbook. The two passbooks shown in FIGS. 7A and 7B have different print formats. Specifically, the items to be printed and the width and height of each line are different. However, a common passbook is common in that the number of pages is printed at the upper right and the line number is written at the left end. The scanner 326 acquires an image (printing state image) of such a passbook page.

  In step S220, the passbook information management server 110 determines whether or not the print status received from the passbook recorder 320 matches the status indicated by the print status information registered in the passbook information database 120 (FIG. 4). The Note that the print status information in the passbook information database 120 is expressed by the number of pages and lines that have been printed. On the other hand, the printing state read by the scanner 326 of the bankbook entry machine 320 is an image. The process of determining the number of pages and lines that have been printed from this print state image can be executed by the passbook information management server 110 or the scanner 326. If the actual printing status of the bankbook does not match the printing status information registered in the bankbook information database 120, an error is transmitted from the bankbook information management server 110 to the bankbook recorder 320 in step S270, and the bankbook is checked in step S260. Will be returned. On the other hand, if they match, in step S230, the unprinted state information and the print form type information registered in the passbook information database 120 are transmitted to the passbook entry machine 320 as a response to the print information request.

  Note that steps S220 and S270 may be omitted. If these steps S220 and S270 (print status confirmation) are omitted, the scanner 326 (FIG. 5) of the passbook entry machine 320 is not required, and the print status information in the passbook information database 120 is also unnecessary. .

  In step S240, the passbook printing unit 324 of the passbook recorder 320 selects a print form according to the print form type information, and executes printing in step S250. As described in FIG. 7, the passbook print form is completely different for each financial institution. The passbook printing unit 324 obtains in advance a print form suitable for the passbook of all financial institutions that can be booked by the passbook bookkeeping machine 320 in a storage device (not shown) via the relay center 100 and stores it. ing. When the passbook printing unit 324 receives the printing form type information and the printing information, the bankbook printing unit 324 can select an appropriate printing form from a plurality of printing forms prepared in advance and execute printing. When the printing of the passbook is completed, the passbook is discharged and returned in step S260.

  As described above, in the first embodiment, since the ID seal is attached to the passbook separately from the magnetic stripe of the passbook, the ID seal can be attached to substantially the same position common to the passbooks of different financial institutions. As a result, the passbook ID machine 320 can read the passbook ID more easily and reliably than when reading the magnetic stripe. In the first embodiment, the correspondence between the passbook ID and the magnetic stripe information (or account identification information) and the unprinted state of the passbook are registered in the relay center 100, and the print information including the passbook ID is registered. Since the unprinted information is transmitted from the relay center 100 to the passbook entry machine 320 in response to the request, the passbook processing is executed by the same passbook entry machine 320 using only the passbook for the passbooks of a plurality of financial institutions. Is possible.

B. Second Embodiment FIG. 8 is an explanatory diagram showing a configuration of a passbook entry system as a second embodiment of the present invention. The difference from the system of the first embodiment shown in FIG. 1 is that a passbook information management server 110 and a passbook information database 120 are provided in the relay center 100a in place of the passbook information management server 110 and the ID registration. There are two points: the device 310a is not connected to the relay center 100a and is isolated (stand-alone). Other configurations are the same as those of the first embodiment.

  In the second embodiment, the ID registration device 310a reads the magnetic stripe information from the passbook PB and issues an ID sticker SL in which the magnetic stripe information (or account identification information) is registered as the passbook ID. That is, here, since the magnetic stripe information (or account identification information) itself is used as the passbook ID, the ID registration device 310a does not need to be connected to another device.

  The passbook recorder 320 reads the passbook ID (= magnetic stripe information or account identification information) from the ID sticker attached to the passbook, and transmits a print information request to the passbook information relay server 130 of the relay center 100a. The passbook information relay server 130 transmits the print information request to the data centers 210 and 220 of the individual banks. Further, when printing information and printing form type information suitable for the bankbook ID are received from any bank data center, the bankbook information relay server 130 returns the information to the bookkeeping machine 320. Therefore, the passbook bookkeeping machine 320 can execute a bookkeeping process using this print information and print form type information. The entire procedure of the bookkeeping process is the same as that shown in FIG.

  Also in the second embodiment, it is possible to achieve substantially the same effect as in the first embodiment. In the second embodiment, since the magnetic stripe information (or account identification information) itself is used as the passbook ID, it is preferable that the passbook ID is difficult to modify in the ID seal SL. In this sense, it is preferable to use a two-dimensional barcode or a wireless IC tag.

C. Modifications The present invention is not limited to the above-described embodiments and embodiments, and can be implemented in various modes without departing from the gist thereof. For example, the following modifications are possible. .

C1. Modification 1:
The passbook bookkeeping machine (passbook bookkeeping device) may be realized as a device specialized for bookkeeping, or may be realized as a part of ATM. In addition, the ID registration device and the passbook bookkeeping machine may be realized as separate devices, or may be realized as a single device housed in the same housing.

C2. Modification 2:
In each of the above embodiments, the print form to be used is determined according to the print form type information returned from the relay center as a response to the print information request. However, the print form is determined by other methods. Also good. As a first example, the passbook bookkeeping machine (particularly the passbook printing unit) itself may determine the print form based on the passbook ID. In this case, in the second embodiment, since the passbook ID includes the account identification information, the account identification information is extracted from the passbook ID, and a print form suitable for the passbook of the account is prepared in advance in the passbook entry machine. It is possible to select from a plurality of print forms. As a second example, the relay center may return the printing form itself as a part of the response to the printing information request to the passbook entry machine instead of the printing form type information. In this way, when a printing form is changed at an individual financial institution, the change can be immediately reflected. In any of these cases, it can be understood that the common printing form is determined in accordance with the passbook ID.

DESCRIPTION OF SYMBOLS 100 ... Relay center 110 ... Passbook information management server 120 ... Passbook information database 130 ... Passbook information relay server 210,220 ... Data center of financial institution 300 ... Store 310 ... ID registration apparatus 312 ... MS reading part 314 ... ID seal issuing part 320 ... Passbook entry machine (passbook entry device)
322 ... ID reading unit 324 ... Passbook printing unit 326 ... Scanner 328 ... Print information acquisition unit 330 ... Conveying mechanism 332 ... Conveying path 334 ... Conveying roller 340 ... Passbook insertion port

Claims (4)

A passbook entry system,
A relay center that distributes printing information to be recorded in individual passbooks respectively used by a plurality of financial institutions;
A passbook entry device connected to the relay center via a network and capable of performing a bookkeeping process in accordance with print information distributed from the relay center;
An ID registration device that reads account identification information from a magnetic stripe of a passbook, obtains a passbook ID associated with the account identification information, and issues an ID seal in which the passbook ID is registered;
With
The bankbook entry device
An ID reading unit that reads the passbook ID from the ID sticker attached to the passbook separately from the magnetic stripe ;
A print information acquisition unit that transmits a print information request including the read passbook ID to the relay center, and acquires print information to be recorded in the passbook from the relay center;
Using a printing form suitable for the bankbook determined according to the bankbook ID, and a bankbook printing unit that performs printing on the bankbook according to the printing information;
With
The passbook ID is unique identification information not including account identification information recorded in the magnetic stripe,
The ID registration device transmits an ID issue request including the account identification information to the relay center,
The relay center is
(I) Issuing a passbook ID to the ID registration device in response to an ID issue request received from the ID registration device;
(Ii) When the passbook ID is issued, the correspondence between the passbook ID and the account identification information is registered in the passbook information database, and the print information to be printed on the passbook with the passbook ID attached is printed in the passbook information database And register
(Iii) When a print information request is received from the passbook entry device, the passbook ID included in the received print information request is used to identify the financial institution and passbook with reference to the passbook information database, and to the specified passbook A passbook entry system for returning suitable print information to the passbook entry device . The passbook entry system according to claim 1,
The print information acquisition unit acquires, as a response to the print information request, print form type information indicating a print form type suitable for the passbook together with the print information from the relay center;
The bankbook printing system, wherein the bankbook printing unit selects a printing form suitable for the bankbook from a plurality of printing forms prepared in advance according to the printing form type information. The passbook entry system according to claim 1,
The bankbook printing system, wherein the bankbook printing unit selects a printing form suitable for the bankbook from a plurality of printing forms prepared in advance according to the bankbook ID. The passbook entry system according to claim 1,
The print information acquisition unit, as a response to the print information request, acquires a print form suitable for the passbook together with the print information from the relay center.

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