JP5537242B2 - 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 transactions such as cash deposits and withdrawals using a cash card or a passbook with an automatic transaction apparatus such as an ATM held by each financial institution. Since the format of a cash card is unified among financial institutions, in recent years, it is also possible to conduct transactions such as cash deposits and withdrawals with other financial institutions that are online partners.

  However, bookkeeping using a passbook or transactions involving bookkeeping generally have different passbook specifications (magnetic stripe position and recording format, passbook width, item layout on the passbook, etc.) for each financial institution. Therefore, at present, it is not possible to perform a bookkeeping process using a passbook or a transaction involving a bookkeeping process at another financial institution.

  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 to identify the customer financial institution, and the bookkeeping process to the bankbook is executed.

  However, in this prior art, a user who wants to write in a passbook must always prepare both a passbook and a cash card. In addition, it is necessary to coordinate transaction information between financial institutions, and in some cases, it may be necessary to modify or change the information system (host computer, etc.) of each financial institution. There was also sex.

JP 2001-202567 A

The purpose of the present invention is to passbooks of a plurality of financial institutions, which have different bankbook specifications for each financial institution and have little influence on the host computer of each financial institution that performs the bookkeeping process with its own exchange according to the bankbook specifications. It is an object of the present invention to provide a passbook bookkeeping system and a passbook bookkeeping apparatus that can perform a bookkeeping process.
Another object of the present invention is to provide a bankbook bookkeeping system and a bankbook bookkeeping apparatus in which it is easy to add a financial institution that can be handled and a bankbook bookkeeping apparatus used in each system.

The present invention is a passbook entry system that performs an entry process for a passbook of a plurality of financial institutions.
When the user selects one of a plurality of financial institutions, it switches to the processing mode of the selected financial institution, reads the magnetic stripe data of the inserted bankbook, and connects to the relay terminal that communicates with the selected financial institution And, according to the information sent from the relay terminal, print and update data in the passbook, and return the passbook to the user,
Independent for each financial institution, operated by connecting to the financial institution's host computer via a communication line, receiving a book entry request from the bankbook entry device, and performing a book entry process according to the individual procedure for each financial institution A relay terminal that transmits information including unrecorded account data and magnetic stripe update data to the passbook accounting device;
A management server for managing the bankbook entry device and the relay terminal is provided.

  According to this system, since the financial institution and the relay terminal can perform the book processing according to the original procedure for each financial institution, there is little influence on the host computer of the financial institution, and for the bankbook of a plurality of financial institutions, A bookkeeping process can be performed.

Further, the determination of the processing mode of the bankbook entry device is configured to determine whether the selected financial institution matches or does not match between the financial institution identified by recognizing the barcode printed on the bankbook.
According to this configuration, even if the user selects the wrong financial institution or inserts the bankbook in the wrong direction, it is possible to detect the error and prompt the user to reconfirm. A bookkeeping process can be performed.

In addition, when a passbook is inserted into the passbook entry device, a financial institution selection screen is displayed. When the user selects one of a plurality of financial institutions, the processing mode of the selected financial institution is switched and inserted. The magnetic stripe data of the passbook is read, and when no financial institution is selected, the passbook is returned or stored in the passbook storage.
According to this configuration, if the user forgets the name of the financial institution of the bankbook to be booked, cancel and return the bankbook, even if the bankbook is left inserted in the bankbook bookkeeping device, It can be stored in the passbook storage and the next bookkeeping process can be performed.

In addition, when a passbook is inserted into the passbook entry device and the inserted passbook is different from the selected bank's passbook, the financial institution selection screen is displayed and the user selects the financial institution again. It was configured to continue the bookkeeping process.
According to this configuration, when the user makes a wrong selection of the financial institution, the bookkeeping process can be continued without returning the bankbook once, so that a quick bookkeeping process can be performed.

  Further, the connection with the relay terminal is configured to connect to the relay terminal that communicates with the host computer of the selected financial institution using the basic information of the relay terminal registered in the passbook entry device.

  According to this configuration, since the passbook entry device can select and connect the relay terminal, the load on the management server can be reduced.

  In addition, the connection with the relay terminal is such that the management server receives a connection request from the passbook entry device to the relay terminal, transmits the connection information of the relay terminal to the book entry device, and the passbook entry device receives the connection information received from the management server. Is used to connect to a relay terminal that communicates with the host computer of the selected financial institution.

  According to this configuration, since the management server can monitor the state of the relay terminal and transmit the basic information of connectable relay terminals to the bookkeeping device, the load distribution of the relay terminals can be performed. .

  In addition, the connection with the relay terminal is configured such that the management server receives the book request from the bankbook bookkeeping apparatus and distributes it to the relay terminal that communicates with the host computer of the selected financial institution.

According to this configuration, since the management server can monitor the status of the relay terminals and distribute the relay terminals to connectable relay terminals, load distribution of the relay terminals can be performed.
In addition, if a connection is made with an automatic transaction apparatus and a financial institution is selected in the automatic transaction apparatus, the book entry can be made as it is using the passbook entry system.
According to this configuration, it is possible to perform a bookkeeping process using a bankbook with another financial institution that is online-affiliated, or a transaction involving a bookkeeping process, using an automatic transaction apparatus.

  It is possible to provide a passbook entry system and a passbook entry device that can perform entry processing on existing passbooks of a plurality of financial institutions with a single passbook entry device.

It is a figure which shows the structure of the passbook bookkeeping system in embodiment of this invention. It is a figure which shows an example of an internal structure of the passbook printer unit in embodiment of this invention. It is an example of the passbook which the passbook bookkeeping apparatus in embodiment of this invention handles. It is a flowchart in the case of reading magnetic stripe data from the passbook in the embodiment of the present invention. It is an example of the selection screen display of the financial institution in embodiment of this invention. It is an example of the basic information regarding the relay terminal in the embodiment of the present invention. It is a flowchart in the case of performing printing and data update to the passbook in the embodiment of the present invention.

  FIG. 1 is an explanatory diagram showing a configuration of a bankbook entry system in an embodiment of the present invention. This passbook entry system includes a relay terminal A111 installed in the relay center 110, a relay terminal B112, a management server 113, and a passbook entry device 121 installed in the store 120.

  The relay terminal A111 includes a control unit 111a and a communication unit 111b. The relay terminal B112 includes a control unit 112a and a communication unit 111b. The control unit 111a and the control unit 112a are thin clients or the like, and have a function of performing opening and closing processing with a financial institution, like a control interface unit of an automatic transaction apparatus such as an ATM.

  Also, in response to a bookkeeping request from the bankbook bookkeeping apparatus, the bookkeeping process is performed in a unique procedure in cooperation with the host computer of the financial institution.

  The relay terminal is connected to a host computer of the financial institution by a communication line independently for each financial institution such as a bank. For example, the relay terminal A111 is connected to the host computer 131 of the financial institution A and the relay terminal B112 is connected to the host computer 132 of the financial institution B through a communication line independently.

By using an independent relay terminal for each financial institution, there is no direct connection with other financial institutions, and a certain level of security can be maintained.
Further, the relay terminal is handled as an automatic transaction device such as an ATM of the bank from the host computer of the financial institution.

  Further, when it is necessary to increase the number of simultaneous connections, a relay terminal can connect a plurality of relay terminals to one financial institution as necessary. In that case, it is possible to adopt a configuration in which a blade server or a blade PC is adopted as the relay terminal. And it can be set as the structure which installed the load distribution apparatus between the passbook bookkeeping apparatus and the relay terminal.

  The management server 113 is a server that monitors the relay terminal of the relay center 110 and the passbook entry device (hereinafter referred to as a monitoring target terminal) installed in the store 120 as needed and notifies the staff of the status. In addition, it manages original software, distributes it to monitored terminals, saves terminal operation logs, and operation logs.

  The monitoring target terminal software may be managed in multiple generations. When not managing multiple generations, for example, when the monitored terminal is initialized and connected to the management server for the first time, the version of the monitored terminal software (including the database) is checked. The latest software can also be distributed to the target monitoring target terminal by operating an operator from the relay center side.

The store 120 is a base where a bankbook can be entered, and is a store of a financial institution such as a bank or a store of a non-financial institution such as a convenience store. The financial institution is not limited to the financial institution issuing the passbook.
The passbook entry device 121 includes a customer operation unit 122 operated by a user, a passbook printer unit 123 that performs entry processing for the passbooks of a plurality of financial institutions, and a control unit 124 that controls the entire passbook entry device. The

  The customer operation unit 122 is a touch panel display or the like, and selects one of a plurality of financial institutions that make a book entry from a plurality of financial institutions displayed on the screen, or displays a book entry status and guidance. .

  The bankbook printer unit 123 reads the data on the magnetic stripe of the inserted bankbook by switching to the processing mode of the selected financial institution, and prints and updates the bankbook according to the information sent from the relay terminal. The passbook is returned to the user.

  The control unit 214 is a personal computer or the like, and controls the entire passbook entry device. In addition, communication control is performed when communicating with a relay terminal or a management server installed in the relay center via the network 140.

Normally, the number m of relay terminals and the number n of passbook entry devices have a relationship of m ≦ n.
Therefore, the passbook entry device of the store 120 operates as a passbook entry device connected to the relay terminal A111 in some cases, and becomes a passbook entry device connected to the relay terminal B112 in other cases. In this case, although m relay terminals are recognized for each financial institution from the host computer of the financial institution, there are n passbook entry devices that can handle the bankbook of the financial institution.

  The host computer 131 of the financial institution A and the host computer 132 of the financial institution B are the host computer of the accounting system, etc., and the user transaction information (account number, unbooked information, bankbook page information, line information, bankbook balance) Information etc.) is stored in the ledger.

  FIG. 2 is an explanatory diagram showing an example of an internal configuration of a passbook printer unit provided in the passbook entry device and capable of handling a plurality of types of passbooks having different specifications for each financial institution.

  The passbook printer unit 123 includes an insertion / discharge port 201 for taking in and discharging the passbook, a barcode reading unit 202 for acquiring a barcode image printed on the passbook, a magnetic reading unit 203 for reading and writing a magnetic stripe of the passbook, and a passbook. A turn page unit 205 for turning a passbook, a passbook storage unit 206 for storing a passbook forgotten, and a control unit 207 for controlling the entire passbook printer unit.

  Even if the barcode reading unit 202 can collectively acquire an image of an area including all the barcode positions printed on the passbook handled by the passbook entry device 121 with a single scanner so that a plurality of types of passbooks can be handled. It is good, and a plurality of scanners may be provided. The acquired image is recognized by the barcode recognition function of the control unit 210 of the passbook printer unit 123. The magnetic reading unit 203 and the printing unit 204 may be processed by one head with the head being movable, or may be processed by a plurality of heads.

  Since the processing mode of the bookkeeping process is different for each bankbook of the financial institution, the user operation unit 211 allows the user to select one of the financial institutions performing the bookkeeping from a plurality of financial institutions displayed on the screen, and the corresponding software Alternatively, the parameters may be downloaded from the control unit 214 of the passbook printer 121 and the processing mode of the passbook printer unit 123 may be switched, or a plurality of processing modes may be registered in the passbook printer unit 123 in advance. The processing mode of the passbook printer unit 123 may be switched by an instruction from the control unit 214.

Here, the processing mode relates to handling processing such as bar code, magnetic stripe, and printing corresponding to the passbook specification, and exists for each passbook.
In addition, since some financial institutions handle a plurality of bankbooks, priority is given to processing modes.

  FIG. 3 is an explanatory diagram showing an example of a passbook handled by the passbook entry device. 301a is a magnetic stripe printed on the back cover of bankbook a. The magnetic stripe 301a differs in recording method, position, and direction depending on the type of passbook. The magnetic stripe 301a usually includes financial institution code, branch code, account number, subject, last printed page and line, information indicating transaction information, and the like.

  Reference numeral 302a denotes a bar code printed on the inner sheet in which the passbook a is opened. The barcode specification, position, direction, and the like of the barcode 302a vary depending on the type of bankbook. The bar code 302a usually includes information such as a page number and a magnetic stripe to be read when there are a plurality of magnetic stripes.

  301b is a magnetic stripe printed on the back cover of the passbook b. Compared with the bankbook a, the recording method is different in addition to the position and direction of the magnetic stripe. Reference numeral 302b denotes a bar code printed on the inner sheet in which the bankbook b is opened. Compared with the bankbook a, the position and direction of the barcode and the barcode specification are different.

  The items and arrangement on the passbook are different between the passbook a and the passbook b. For example, in the passbook a, the items are date, payment amount, deposit amount, summary, balance, sign. Then, the date, dealer, deposit amount, payment amount, cash amount (lending amount).

  In this way, the passbook specifications differ for each financial institution, and the automatic transaction devices and window terminals operating at each financial institution operate automatically according to the financial institution's passbook specifications. Yes.

  FIG. 5 is an example of a selection screen image of a financial institution that can be handled by the passbook entry device. If there are many financial institutions that can be handled and cannot fit on one screen, it is displayed on the screen on the next page.

  Reference numerals 501 and 502 denote financial institution names, and a financial institution is selected by pressing a button. Reference numeral 503 denotes a cancel button. When the user forgets the name of the financial institution in which the book is to be booked (since the bankbook of multiple financial institutions can be handled, it cannot be determined which financial institution the inserted bankbook was. In the case of ending up, etc., cancel 503 and return the bankbook, the user confirms and reinserts the name of the financial institution in the bankbook, and selects the financial institution again.

  In addition, when the passbook is inserted in the passbook entry device and the cancel 503 is not pressed, the passbook is stored in the passbook storage after a predetermined time and the next entry processing can be performed. And

  FIG. 4 is a flowchart when the magnetic stripe data is read from the passbook in the passbook entry system according to the embodiment of the present invention.

  The bankbook entry device 121 displays a selection screen of financial institutions that can be handled by the passbook entry device as shown in FIG. The user touches and selects the financial institution that performs the book entry (S401), and inserts the passbook for the book entry into the insertion / eject port of the book printer unit 123 (S402).

Since it is possible to specify a financial institution that performs bookkeeping in S401, the control unit 124 sets a processing mode corresponding to the type of passbook issued by the financial institution in the passbook printer unit 123 (S403). When the processing mode is set in the passbook printer unit 123, the bar code printed on the passbook is read by the method specified by the processing mode, the bar code is recognized, and the financial institution is specified from the type of the passbook (S404). ). Then, the selected financial institution and the financial institution identified by barcode recognition are matched (mismatched) (system verification) (S405), and the processing mode is judged (S406).
If the financial institutions do not match, a guidance for reconfirmation of the selected financial institution is displayed and the bankbook is returned (S407).

  If the financial institutions match, the magnetic stripe is read by the method specified by the processing mode (S408). If the reading of the magnetic stripe in S408 fails in the reading determination of the magnetic stripe (S409), recovery processing is performed (S410).

  The recovery process of S410 is to re-read the magnetic stripe or to read the magnetic stripe in another processing mode with a higher priority.

  If the magnetic stripe cannot be read even after performing a certain recovery process, a guidance to the user is displayed on the customer operation unit 122 and a selection screen of the financial institution is displayed. When selecting a financial institution, the bookkeeping process is continued, and when canceling, the passbook is discharged from the insertion / ejection port of the book printer unit 123 and returned to the user (S407).

  Here, the magnetic stripe can be read in S408 without reading the bar code in S404 or the system verification in S405, but the user may erroneously select a financial institution. In that case, reading of the magnetic stripe becomes impossible, and the recovery process of S410 is performed. Therefore, it is desirable to perform reading of the barcode in S404 and system verification in S405.

  Further, the reading of the barcode in S404 may be performed by acquiring all the barcode positions printed on the bankbooks of a plurality of financial institutions as an image, recognizing the acquired barcodes, and specifying the type of bankbook. good.

  The processing mode is determined by verifying the financial institution selected in S401 and the financial institution identified by recognizing the barcode printed on the passbook.

  FIG. 6 shows basic information of a relay terminal that is referred to when the passbook entry device is connected to a relay terminal that communicates with a host computer of a selected financial institution. The basic information of the relay terminal is stored in the control unit of the bankbook entry device, and the latest basic information of the relay terminal is downloaded from the management server and updated when the passbook entry device is initialized.

  Information such as financial institution name 601, installation location 602, relay terminal number 603, IP address 604, etc. is registered in the basic information of the relay terminal.

  A plurality of relay terminals can be registered for one financial institution name 601.

  When the relay terminal is configured to load balance, the representative IP address is registered in the basic information of the relay terminal.

  FIG. 7 is a flowchart in the case of connecting to a relay terminal that communicates with a host computer of a selected financial institution and printing and updating data in the passbook in the passbook entry system in the embodiment of the present invention.

  In the bankbook entry device, as described above, the financial institution is searched with reference to the basic information of the relay terminal stored in the control unit. The basic information of the relay terminal records the IP addresses of the financial institution and the relay terminal, and connects to the relay terminal that communicates with the host computer of the selected financial institution (S701). When the connection with the relay terminal is established (S702), a bookkeeping request is transmitted to the relay terminal (S706).

  When the connection destination relay terminal is already used by another bankbook entry device and cannot be connected (busy state), or when a connection cannot be made even after a predetermined period of time due to some reason (timeout occurs) (S702) Tries to connect with another relay terminal for the same financial institution as the recovery process (S703).

  When a connection can be established with another relay terminal for the same financial institution (S704), a bookkeeping request is transmitted to the relay terminal (S706). When all the relay terminals are busy (S704), guidance such as “please wait” is displayed on the screen of the bankbook entry device. When there are a large number of relay terminals connected, it takes too much time to connect the relay terminals. Therefore, it is desirable to receive a message to the relay terminal by the representative IP address and to distribute the load distributed to the available relay terminals. If the connection with the relay terminal cannot be made even after a certain recovery, the passbook is returned (S705).

  The relay terminal that has received the book request from the bankbook bookkeeping apparatus performs bookkeeping processing with the host computer of the financial institution connected by a unique procedure for each financial institution and the terminal number of the relay terminal (S707). At this time, the relay terminal may transmit to the passbook entry device if there are different parameters required for the entry in the passbook entry device for each financial institution. The connection between the bankbook entry device and the relay terminal is common to all relay terminals.

  The bookkeeping process between the host computer and the relay terminal of the financial institution is performed using the message serial number and the relay terminal number. By using the terminal number of the relay terminal instead of the terminal number of the passbook entry device, the number of managed terminals can be reduced as seen from the financial institution, and the influence on the information processing system of the financial institution can be reduced. .

  The financial institution system (host computer, etc.) retrieves relevant transaction information from a database storing customer transaction information, etc., and includes information including unrecorded data and magnetic stripe update data (presence / absence of unrecorded data and printing on the passbook) Print information to be transmitted) to the relay terminal (S708). The relay terminals (111, 112) transmit the received unbooked data and the like as print information to the bookkeeping device (S709). The passbook entry device 121 writes the print information received from the relay terminal in the passbook (S710).

  If it is found from the received print information that there is unbooked data, the user may determine whether or not to book and allow the passbook bookkeeping apparatus to input an instruction. The passbook entry device 121 transmits the print result to the relay terminal (S711). If there is page break data, the page break is performed and the print data is received again.

  If the page break fails, the passbook is returned. When prompting the user to reinsert or turn a new page, guidance may be displayed on the display screen of the passbook entry device 121 to continue the entry process.

Update (rewrite) the magnetic stripe data as necessary, and when all of the entries have been completed, notify the financial institution's host computer that the entry process has been completed via the relay terminal, return the passbook, Is disconnected (S712).
The connection information of the relay terminal is registered in the management server when the relay terminal is installed at the relay center (at the first connection). When the configuration of the relay terminal is changed, the relay terminal transmits the changed terminal information to the management server. When the relay terminal is removed, the management server receives terminal information deletion information from the relay terminal and deletes the terminal information of the relay terminal.
The same applies when a passbook entry device is newly installed or changed or removed.

  By doing so, it is possible to provide a passbook bookkeeping system and a passbook bookkeeping apparatus in which it is easy to add financial institutions and passbook bookkeeping devices.

  In the present embodiment, the connection with the relay terminal has been described using the basic information of the relay terminal registered in the passbook entry device to connect to the relay terminal that communicates with the host computer of the selected financial institution. To connect to the relay terminal, the management server receives a connection request from the passbook entry device to the relay terminal and transmits the connection information of the relay terminal to the book entry device. The passbook entry device uses the connection information received from the management server. Then, it may be connected to a relay terminal that communicates with the host computer of the selected financial institution. In that case, the management server monitors the state of the relay terminal and transmits basic information of the connectable relay terminal to the bookkeeping apparatus.

In addition, the connection with the relay terminal may be distributed to the relay terminal that communicates with the host computer of the selected financial institution when the management server receives the book request from the passbook bookkeeping apparatus. In this case, the management server has a relay terminal load distribution function.
Furthermore, the connection with an automatic transaction apparatus may be performed, and the financial institution may be selected in the automatic transaction apparatus, so that the book entry by the passbook entry system may be performed as it is. In that case, the automatic transaction apparatus and the passbook entry apparatus are connected by an interface of a serial communication system such as RS-232C. Moreover, the bankbook entry device may be built in the automatic transaction device or may be placed separately from the automatic transaction device.

110: Relay center 111 ... Relay terminal A
112 ... Relay terminal B
113 ... Management server 120 ... Store 120
121 ... Passbook entry device 122 ... Customer operation unit 123 ... Passbook printer unit 124 ... Control unit 131 ... Host computer of financial institution A 132 ... Host computer of financial institution B 140 ... ·network

Claims (7)

In the passbook bookkeeping system that performs the bookkeeping process for the passbook of multiple financial institutions,
It has an interface that allows the user to select one of the bankbooks of multiple financial institutions that can be handled, reads the magnetic stripe data of the bankbook inserted by switching to the processing mode of the selected financial institution, and is selected Connected to a relay terminal that communicates with a financial institution and transmits, and a passbook entry device that prints on the passbook according to information sent from the relay terminal;
Provided for each financial institution, operated by connecting to a host computer of the financial institution through a communication line, and performs a bookkeeping process according to a predetermined procedure determined for each financial institution based on a bookkeeping request from the bankbook bookkeeping apparatus A relay terminal for transmitting information including unrecorded data and magnetic stripe update data of the corresponding account to the passbook recording device;
A management server for managing the passbook entry device and the relay terminal ;
The passbook entry device uses basic information of a relay terminal registered in advance to connect to a relay terminal that communicates with a host computer of a selected financial institution independently connected to each financial institution. To passbook bookkeeping system. In the passbook entry system according to claim 1,
The switching of the processing mode in the bankbook entry device includes a process of determining a match / mismatch between the selected financial institution and the financial institution identified by recognizing the barcode printed on the passbook. Passbook entry system. In the passbook entry system according to claim 1 or 2,
The passbook entry device displays a selection screen of financial institutions that can be handled when a passbook is inserted, and when the user selects one from a plurality of financial institutions, the processing mode of the selected financial institution is switched and inserted. A passbook entry system that reads the magnetic stripe data of the passbook and returns the passbook or stores it in a passbook storage if no financial institution is selected. In the passbook entry system according to any one of claims 1 to 3,
When the inserted bankbook is different from the bankbook of the selected financial institution, the bankbook entry device displays a selection screen of the financial institution, and the user selects the financial institution again to continue the bookkeeping process. A passbook system characterized by that. In the passbook system according to claim 1,
The connection between the passbook entry device and the relay terminal is such that the management server receives a connection request from the passbook entry device to the relay terminal and transmits connection information of the relay terminal to the passbook entry device, and the passbook entry The apparatus is connected to the relay terminal that communicates with the selected financial institution system using the connection information received from the management server. In the passbook entry system according to claim 1 or 5,
The connection between the passbook entry device and the relay terminal is characterized in that the management server receives the entry request from the passbook entry device and distributes it to the relay terminal that communicates with the selected financial institution system. Bookkeeping system. In the passbook entry system according to any one of claims 1 to 6,
A passbook bookkeeping system in which the bankbook bookkeeping device of the bankbook bookkeeping system enables the bookkeeping when a financial institution is selected in the automatic transaction device by performing communication connection with an automatic transaction device.

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