JP6973942B2 - Financial transaction equipment and passbook - Google Patents

Description

The present invention relates to a financial transaction device having a passbook bookkeeping function and a deposit passbook used for the financial transaction device.

There are many users who request a passbook when depositing and withdrawing deposits and savings. Therefore, an ATM equipped with a passbook entry function is adopted. However, the structure of the passbook is unique to various financial institutions such as mega banks, postal savings, agricultural cooperatives, metropolitan banks, and regional banks, and the arrangement of magnetic stripes to be read at the start of bookkeeping varies. Therefore, there is a problem that it is not possible to record in the bankbook of another bank. An integrated ATM that can be mutually used by a plurality of banks is also feasible, and various proposals have been made (Patent Document 1) (Patent Document 2).

Japanese Unexamined Patent Publication No. 2003-196708 Japanese Unexamined Patent Publication No. 2009-86949

The known conventional techniques have the following problems to be solved.
The integrated ATM has a complicated reading mechanism, physical restrictions, and high equipment cost. The cost of owning and maintaining a large number of ATMs is a heavy burden for financial institutions. For deposits and withdrawals of deposits and savings, simple ATMs have recently been installed in convenience stores, etc., and they are widely used, but none of them have a bookkeeping function to reduce costs. The present invention has been made to solve the above problems.

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

<Structure 1>
A barcode that displays the specified information instead of the magnetic stripe, compressed to a data size that can be read by this device, is printed at a position that can be read as it is by the device for reading the page control barcode of the passbook. A passbook characterized by being a barcode.

<Structure 2>
A passbook characterized by fixing an RFID that contains data for user identification and can be read by a reading device installed in an ATM.

<Structure 3>
The above barcode is
The first aspect of claim 1, wherein the account information is encrypted and used as a check code for the account information, or the account information is compressed and the data size is shortened by using only a few digits of the account information . Passbook.

<Structure 4>
The above bar code is characterized in that it is a predetermined unique one having a function necessary for determining whether or not the user is the user's passbook in combination with the account information read from the cash card. The bankbook described in 3.

<Structure 5>
Read the user's account information from the magnetic stripe or cash card of the passbook, notify the host computer of the relevant financial institution along with the barcode data printed on the passbook, and use this host computer to display the above account information. A method of issuing a passbook for a financial transaction device whose magnetic stripe cannot be read, which comprises recording a database associated with barcode data.

<Structure 6>
When the passbook is inserted into the financial transaction device, it is determined whether the magnetic stripe can be read, and if the magnetic stripe can be read normally, the identity verification process is executed as it is, and the bookkeeping process is performed.
If the magnetic stripe cannot be read, determine if the barcode printed in place is readable.
If the barcode is read normally, the account information of the cash card inserted with the passbook is read, and the relevant financial institution is sorted from this account information.
Send the above account information and barcode data to the host computer of the financial institution,
When the host computer determines that the account information stored in correspondence with the barcode data and the account information read from the cash card match, the host computer makes a passbook entry to the financial transaction device. Processing allowed,
When the data to be printed is sent from the host computer to the financial transaction device, the financial transaction device executes the receipt book processing.
At the same time as updating the passbook print history on the host computer, it records that this passbook entry process was executed by an ATM that does not have the read / write function of the magnetic stripe, and also updates and saves the data to be recorded on the magnetic stripe. A passbook control method for financial transaction devices that cannot read magnetic stripes.

<Structure 7>
When the passbook is inserted into the financial transaction device, it is determined whether the magnetic stripe can be read, and if the magnetic stripe can be read normally, the identity verification process is executed as it is, and the bookkeeping process is performed.
If the magnetic stripe cannot be read, determine if the barcode printed in place is readable.
If the barcode is read normally, the account information of the cash card inserted with the passbook is read, and the relevant financial institution is sorted from this account information.
Send the above account information and barcode data to the host computer of the financial institution,
When the host computer determines that the data obtained by compressing the above cash card account information in a predetermined procedure and the barcode data match, the financial transaction device is permitted to perform passbook entry processing.
When the data to be printed is sent from the host computer to the financial transaction device, the financial transaction device executes the receipt book processing.
At the same time as updating the passbook print history on the host computer, it records that this passbook entry process was executed by an ATM that does not have the read / write function of the magnetic stripe, and also updates and saves the data to be recorded on the magnetic stripe. A passbook control method for financial transaction devices that cannot read magnetic stripes.

<Structure 8>
A barcode reading device that reads a barcode printed in a predetermined place on the passbook inserted in the device in the same manner as reading a barcode for page control.
A cash card reader that reads the account information of the cash card inserted in the device together with the passbook,
A communication device that separates the relevant financial institution from the above account information and sends the above account information and barcode data to the host computer of that financial institution.
A financial transaction device comprising a printing device that executes passbook bookkeeping processing when data to be printed is transmitted from the host computer and passbook bookkeeping processing is permitted by the host computer.

<Structure 9>
It controls the passbook bookkeeping of financial transaction equipment whose magnetic stripe cannot be read.
A communication device that receives the account information of the cash card inserted into the financial transaction device together with the passbook and the barcode data printed on the passbook from the financial transaction device.
A storage device that stores a database that associates the barcode data of the above passbook with the user's account information, and
When the account information read from the above cash card matches the bar code data read from the above database and the corresponding account information, the bankbook processing is permitted to the financial transaction device and the financial transaction device is used. The bookkeeping control device that sends the data to be printed and the print history of the passbook are updated, and the fact that this passbook bookkeeping process is executed by the ATM that does not have the read / write function of the magnetic stripe is recorded and recorded on the magnetic stripe. A host computer that performs passbook control of a financial transaction device that cannot read the magnetic stripe, and is equipped with a post-processing device that performs post-processing to update and save the data to be stored.

<Structure 10>
It controls the passbook bookkeeping of financial transaction equipment whose magnetic stripe cannot be read.
A communication device that receives the account information of the cash card inserted into the financial transaction device together with the passbook and the barcode data printed on the passbook from the financial transaction device.
A storage device that stores a database that associates the barcode data of the above passbook with the user's account information, and
When it is determined that the data obtained by compressing the account information of the above cash card according to the predetermined procedure and the barcode data match, the financial transaction device is permitted to perform the passbook entry processing, and the financial transaction device is subjected to the transaction bookkeeping processing. A bookkeeping control device that sends data to be printed,
In addition to updating the passbook print history, this passbook entry process records that it was executed by an ATM that does not have a read / write function for the magnetic stripe, and also executes post-processing to update and save the data to be recorded on the magnetic stripe. A host computer that performs passbook control of a financial transaction device that cannot read the magnetic stripe, characterized by being equipped with an after-processing device.

<Structure 11>
A computer program that causes a computer to function as the financial transaction device according to the configuration 8.

<Structure 12>
A computer-readable recording medium on which the computer program according to configuration 11 is recorded.

<Structure 13>
A computer program that causes a computer to function as the host computer according to configuration 9 or 10.

<Structure 14>
A computer-readable recording medium on which the computer program according to configuration 13 is recorded.

<Effect of Configuration 1>
Since the data for identity verification is printed on the passbook with a barcode, this data can be easily read by ATMs of various financial institutions that adopt different passbook formats.
<Effect of configuration 2>
RFID can also be used as an alternative to barcodes.
<Effect of configuration 3>
When the data for identity verification is compressed to the same data size as the barcode for page recognition, the barcode for identity verification can be read by the device conventionally used for reading the barcode for page control.
<Effects of configurations 4 and 5>
If you print a unique barcode on your passbook and determine the relationship with the account information read from your cash card on the server side, you can verify your identity even with a barcode with a small data size.
<Effect of configuration 6>
Identity verification can be performed by collating the account information stored in correspondence with the barcode data on the host computer with the account information read from the cash card.
<Effect of configuration 7>
Identity verification can be performed by comparing and collating the barcode data and the account information data compressed by a predetermined procedure on the host computer.
<Effects of configurations 8 and 9>
The method of configuration 6 can be realized.
<Effect of configuration 10>
The method of configuration 7 can be realized.

FIG. 1 is an explanatory diagram of a structure of a passbook used in the present invention and an example of issuing the same. FIG. 2 is an explanatory diagram of a passbook bookkeeping process using the deposit passbook. FIG. 3 is a flowchart showing an example of the passbook entry operation of the ATM 14. FIG. 4 is a flowchart of a passbook bookkeeping control operation example of the host computer.

In the present invention, a barcode indicating account information recorded on a magnetic stripe is printed on the cover or any page of a passbook. Alternatively, the RFID (radio frequency identifier) in which the account information 48 is written is fixed. Alternatively, print a barcode on the cover of your passbook or any page that displays various unique data that can be used to verify your identity.

As a result, a financial transaction device such as an integrated ATM that can record a plurality of types of passbooks can be realized at a relatively low cost, and management costs can be reduced through mutual cooperation between financial institutions. Furthermore, for users, it is possible to make passbooks at various financial institutions, which improves convenience. Hereinafter, embodiments of the present invention will be described in detail for each example.

In the present invention, a device that automatically processes deposits and savings transactions, such as an ATM installed in a financial institution, will be referred to as a financial transaction device. Further, in the present invention, a financial transaction device having a bookkeeping function in a deposit passbook 16 is targeted, and a passbook bookkeeping machine 24 used separately from an ATM is also included in this financial transaction device. In the following embodiment, ATM 14 will be described as an example of a financial transaction device.

Known passbooks are always provided with a magnetic stripe to read the user's account information. In this way, the portion for recording the account information that can be magnetically read by the ATM in some data format is collectively referred to as a magnetic stripe.

Further, information necessary for starting passbook entry processing such as a bank code, a branch code, and an account number will be referred to as account information 48. In the present invention, a barcode indicating information including account information or other information that can identify the passbook user is printed on the passbook. This barcode will be called an identity verification barcode.

Whether the barcode is printed directly on the passbook or the barcode printed on a label or the like is pasted on the passbook, the barcode will be printed on the passbook.

FIG. 1 is an explanatory diagram of a structure of a passbook used in the present invention and an example of issuing the same.
In this figure, the host computers 28A, 28B, 28C of a financial institution that adopt different types of passbooks 16A, 16B, 16C control the dedicated passbook bookkeeping machines 24A, 24B, 24C, and each passbook 16A. , 16B, 16C, an example of printing a barcode 20 is shown.

As shown in this figure, the passbooks 16A, 16B, and 16C are provided with magnetic stripes 18A, 18B, and 18C having different shapes at different positions.

For example, first, the deposit passbook 16A is inserted into the passbook entry machine 24A. The passbook bookkeeping machine 24A reads the magnetic stripe 18A of the deposit passbook 16A. The host computer 28A generates a barcode 20 from the account number recorded on the magnetic stripe 18A by performing data compression processing by a method described later. The passbook entry machine 24A prints the barcode 20 at a predetermined position on the deposit passbook 16A. Host computers 28B and 28C of other financial institutions also execute the same processing.

As will be described later, the host computers 28A, 28B, and 28C generate, for example, a database in which the data indicated by the printed barcode 20 and the user's account number are associated with each other, and the storage device thereof. Remember it.

Here, in the example of FIG. 1, the host computer 28C also shows an example of handling the passbook 16D in which the RFID 22 is embedded. In this case, the account information recorded on the magnetic stripe 18 is written to the RFID 22 as it is. Further, if the ATM has a function for reading a large-sized one-dimensional bar code or two-dimensional bar code, the account information may be used as the bar code. As described above, the passbook used in the present invention can be obtained.

That is, as described above, the barcode 20 may be in a one-dimensional format or a two-dimensional format. Further, the account information 48 appearing in the characters printed on the passbook 16 does not necessarily have to be encrypted because it does not need to be kept secret.

In the case of the passbook 16, the space on which the barcode 20 can be printed is often limited. Further, in the case of an ATM having a passbook entry function, the barcode 20 printed on each page of the passbook is read in order to turn the pages of the passbook.

If the barcode 20 having a readable data size is printed at a position where the barcode 20 for page control can be read as it is, the present invention can be realized without modifying an existing ATM. The barcode 20 may be printed on the cover of the passbook or any page.

Barcodes for page control of known passbooks contain data indicating page numbers and subjects. However, the data size is very short. Therefore, it is not possible to read the barcode 20 displaying all of the account information 48 recorded on the magnetic stripe 18.

Therefore, the account information 48 is compressed to shorten the data size of the barcode 20. It suffices if it can be determined whether the passbook inserted in the ATM belongs to the user himself / herself. For this purpose, the barcode data is made predetermined and unique.

For example, a unique serial number may be assigned to all the passbooks 16 issued in the past. However, it is still difficult to reduce the data size sufficiently. Therefore, for example, the account information 48 is encrypted, used as a check code such as hash data, or only the last few digits of the account number are used.

Further, if the data size is reduced and converted into a barcode, there is an effect that the account information 48 can be made unreadable as it is. Even if the data size is sufficiently reduced and compressed, it may be possible to verify the identity with high accuracy by using the nature of the account number. In this case, since the account number is obtained by decrypting on the server side, the database in which the above barcode 20 and the account number are associated with each other becomes unnecessary.

Also, if you compress the barcode printed on your passbook, the data may not be absolutely unique. Therefore, in order to ensure the identity verification process, the read data of the cash card is also used in the following embodiment.

FIG. 2 is an explanatory diagram of a passbook bookkeeping process using the deposit passbook.
As shown in FIG. 2, the ATM 14 is configured to communicate with host computers 28A, 28B, 28C of various financial institutions to control passbooks.

The ATM 14 is provided with a barcode reading device 30, a card reading device 32, a communication device 34, and a printing device 36.
The bar code reading device 30 has a function of reading the bar code 20 printed at a predetermined position in the passbook inserted in the device in the same operation as reading the bar code for page control.

The card reading device 32 has a function of reading the account information 48 of the cash card 26 inserted into the device together with the passbook. The communication device 34 has a function of separating the corresponding financial institution from the account information 48 and transmitting the above-mentioned account information 48 and bar code data 46 to the host computer of the financial institution.

The printing device 36 has a function of executing the passbook bookkeeping process when the passbook bookkeeping process is permitted by the host computer and the passbook print data 50 is transmitted from the host computer.

Each host computer 28A, 28B, 28C includes a communication device 38, a bookkeeping control device 42, and a post-processing device 44, respectively. The storage device 40 stores barcode data 46, account information 48, passbook print data 50, magnetic stripe recording data 52, and the like. In this example, these data are stored in association with each other for each user.

The communication device of the host computers 28A, 28B, 28C is the account information 48 of the cash card 26 inserted into the financial transaction device (ATM14) together with the passbook 16, and the bar code data read from the bar code printed on the passbook 16. It has a function of receiving 46 and from ATM 14.

When the account information 48 read from the cash card 26 and the account information corresponding to the barcode data 46 read from the database match, the bookkeeping control device 42 permits the ATM 14 to perform passbook bookkeeping processing, and allows the passbook to be processed. It has a function of transmitting print data 50.

The post-processing device 44 updates the passbook print history data 51 stored in the storage device of the host computer, and includes a record in this data that the passbook entry process is executed by an ATM having no read / write function of the magnetic stripe. .. Further, it has a function of executing post-processing for updating and saving the magnetic stripe recording data 52.

In this embodiment, regardless of whether the user 12 makes a normal deposit / withdrawal transaction and wants to book at the same time, or only wants to book, both the cash card 26 and the passbook 16 are used at the ATM 14. Also to be inserted into.

When the host computer 28 executes the identity verification process, the following process is performed. First, from the account information 48 read from the cash card 26, the data recording the corresponding user information 45 on the host computer side is read.

Then, the bar code data 46 recorded in advance in the bar code data 46 is compared with the bar code data read by the ATM. If the two match, the verification is completed normally. That is, it can be confirmed that the passbook 16 belongs to the user 12 into which the cash card 26 is inserted. Now you can safely start the bookkeeping process.

FIG. 3 is a flowchart showing an example of the passbook entry operation of the ATM 14.
First, in step S11, the user 12 detects the input of the passbook 16. In step S12, the magnetic stripe read process of the passbook 16 is executed.

In step S13, it is determined whether or not the magnetic stripe 18 is readable. If the result of this determination is yes, the process proceeds to step S19 and the conventional passbook entry process is executed. This is a process when the bankbook 16 adopted by the bank is inserted.

If the determination in step S13 is no, the process proceeds to step S14. In step S14, barcode reading is executed. Then, in step S15, it is determined whether or not the barcode 20 can be read.

If the result of this determination is yes, the process proceeds to step S16, and if no, the process cannot be performed, so the card or passbook is ejected and the process ends. Since the processing is the same as before, the specific flow is not described here.

In step S16, cash card read is executed. In this case, only the case where it can be read normally will be described. In step S17, the account information 48 is read from the cash card 26. Then, in step S18, the financial institutions are sorted. If the ATM storage device does not store data that can be used to distinguish financial institutions from account information, the host computer that directly controls the ATM may be contacted and the corresponding financial institution may be sorted from the results.

In step S19, the transmission data to the corresponding host computer is prepared. The transmission data are account information 48 and barcode data 46. In step S20, these data are transmitted to the host computer 28.

In step S21, it is determined whether or not the ATM 14 has received the passbook entry permission from the host computer. If the result of this judgment is yes, the process proceeds to step S22, and if no, the identity cannot be confirmed, so the process ends.

The ATM 14 executes a normal deposit / savings transaction while communicating with the host computer 28 at the request of the user 12. Then, in step S22, the print request to the passbook is transmitted to the host computer 28, and the passbook print data 50 and the magnetic stripe data are received from the host computer.

Finally, in step S23, the passbook entry process is executed using the received passbook print data 50. At this time, the magnetic stripe data received in step S22 includes information on which page and line of the passbook to print from, and printing control is performed using this information. If magnetic stripe reading is possible in step S12, new magnetic stripe data is written to the passbook after the passbook entry process. Since this is an existing process, the description in this flowchart is omitted.

FIG. 4 is a flowchart of a passbook bookkeeping control operation example of the host computer.
This flowchart is an example of processing when the account information is compressed by any of the above methods into a small-sized barcode. First, the host computer receives the above account information 48 from the ATM 14 in step S31. Subsequently, in step S32, the above-mentioned barcode data 46 is received.

In step S33, the host computer references the database. Then, the user information 45 that matches the account information 48 is read out. Next, in step S34, the account information 48 is compressed. This is the same process that was performed when the passbook was issued (when the barcode was generated).

In step S35, the compressed account information 48 and the barcode data 46 are collated. In step S36, it is determined whether or not the collation results match. If the result of this judgment is yes, the process proceeds to step S37. If no, the identity cannot be verified, so the process ends. Although not shown, the ATM is notified that the processing is completed.

In step S37, the passbook entry permission is transmitted to the ATM 14. Subsequently, when a request is received from the ATM, the host computer 28 refers to the passbook print history data 51 and transmits the latest magnetic stripe data and the passbook print data 50 to be newly printed to the ATM 14 in step S38. The host computer records the latest magnetic stripe data to be written on the magnetic stripe of the passbook.

Since all the print forms and print procedures are transmitted from the host computer 28 to the ATM 14, the ATM 14 may execute the print process as it is. If the passbook is printed and controlled using the latest magnetic stripe data described above, the passbook that cannot read the magnetic stripe data can be printed correctly.

The host computer updates the print history data 51 of the passbook in step S39. This is to distinguish between recorded data and unrecorded data. Further, in step S40, the magnetic stripe unupdated recording is performed. A flag to that effect may be set in the print history data 51 or the magnetic stripe recording data 52.

In step S41, the magnetic stripe recording data 52 is updated. In this way, the host computer 28 records that the magnetic stripe 18 has been executed by the ATM 14 having no read / write function, and updates and saves the data to be recorded on the magnetic stripe.

After that, when the passbook 16 is inserted into the ATM 14 or the like having a read / write function of the magnetic stripe 18, the updated data is written to the magnetic stripe 18.

When the account information 48 recorded on the RFID 22 is read or the barcode 20 indicating all the account information 48 is read, the identity verification is normal if the account information matches the account information read from the cash card 26. You may end it.

Further, in this case, the identity may be confirmed by collating with the account information stored in the host computer without using the reading information of the cash card 26. Even in that case, in the post-processing, it is recorded that the passbook is executed by the ATM 14 having no read / write function of the magnetic stripe 18, and the data to be recorded on the magnetic stripe is updated and saved.

12 User 14 ATM
16 Passbook 18 Magnetic stripe 20 Bar code 22 RFID
24 Bookkeeping machine 26 Cash card 28 Host computer 30 Bar code reading device 32 Card reading device 34 Communication device 36 Printing device 38 Communication device 40 Storage device 42 Bookkeeping control device 44 Post-processing device 45 User information 46 Bar code data 48 Account information 50 Passbook print data 51 Print history data 52 Magnetic stripe recording data

Claims (2)

A barcode that displays account information instead of a magnetic stripe, compressed to a data size that can be read by this device, is printed at a position that can be read as it is by a device for reading the page control barcode of the passbook. A passbook characterized by being a thing. The above barcode is
The first aspect of claim 1, wherein the account information is encrypted and used as a check code for the account information, or the account information is compressed and the data size is shortened by using only a few digits of the account information . Passbook.

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