JPH03139764A - Money order processing system - Google Patents

Abstract

PURPOSE:To reduce the load on an operator, to shorten a matching time, and to eliminate a miss in matching by registering seal impression inspection image data by places of business in a money order center processor and providing a function which decides the adequacy of a seal impression stamped on a payment request slip. CONSTITUTION:The data of the payment request slip A which is read by the optical character reader 2 of a terminal device 1 at a shop of business are transferred to the money order center processor 6. A control means provided to the processor 6 retrieves seal inspection image data on the shop of business in a seal inspection data registration means 17 according to data specifying the shop of business of the payment request slip A. The image data is collated with the seal inspection data of the payment request slip A to decide its adequacy and the result is displayed on the display part of a work station 7. The operator who operates the work station 7, need not collate the seal impression. Consequently, the load on the operator is reduced and the collation of the inspection seal is performed automatically, so the matching time is shortened and the mismatching is precluded.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to an exchange processing method that automatically reads and processes transfer request form data used in transfer processing of exchange transactions at financial institutions.

[Conventional technology]

Transfer operations for foreign exchange transactions at banks and other financial institutions are generally carried out in the following steps.

(1) First, the sender (transfer requester) fills out the transfer request form by hand with the necessary information such as the recipient and the amount to be transferred, and then submits the transfer request form along with the transfer funds and fees to the sending branch (sales branch). Make a transfer request.

(2) Upon receiving the request, the sending store confirms the contents of the transfer request form and issues a transfer receipt to the transfer requester in exchange for the transfer funds and fees.

(3) The sending store sends a money transfer notice to the destination store (the other party's business store).

This processing is actually inputted at the destination store terminal, district center or destination bank center, transmitted to the gold and silver center, and sent from the gold and silver center to the destination store via the destination bank center.

(4) The destination store receives the exchange notification from the destination store.

(5) The destination store deposits the transfer funds into the recipient's deposit account based on the exchange notice received from the destination store.

In order to improve the processing of such money transfer operations, an exchange processing system disclosed in, for example, Japanese Patent Laid-Open No. 1-161575 has been proposed.

This exchange processing system will be explained below as a conventional example with reference to FIGS. 3 and 4.

Figure 3 is a professional diagram showing the conventional exchange processing system.
FIG. 4 is a format diagram showing an example of a transfer request form used in the system of FIG.

In the figure, A is a transfer request form, and 1 is a branch terminal device consisting of a small desktop optical character reader (hereinafter referred to as 0CR) 2 and an OCR control unit 3. Multiple machines are installed at store counters, each operated by an operator who works at the counter.

4 is a public network connected to the communication unit (not shown) of the OCR @ control unit 3, 5 is an electronic exchange (hereinafter referred to as EPBX) connected to the public network 4, and 6 is the OCR control unit 3 connected to the OCR control unit 3 via the public network 4 and EPBX 5. 7 is a work station (hereinafter referred to as WS), which is installed in a bank's district center or the like.

4 The exchange center processing device 6 includes a multi-channel communication unit (hereinafter referred to as TRC) 8 as a data transmission/reception unit, a central processing unit (hereinafter referred to as CPU) 9, a memory 10, a file unit 11, a data decompression unit 12, a kanji recognition unit 13, and an IMB. /S high-speed workstation interface (hereinafter referred to as WS/IF) 14
, a communication section 15, and an operation section 16, and is connected to the EPBX 5 through the TRC 8 and connected to a host computer such as an office center through the communication section 15.

The WS7 is a data supplementary input device consisting of a keyboard as an input unit, a CRT display as a display unit, a data expansion unit, etc., and is connected to the WS/I F 14 in plurality, and is connected to the exchange center processing device 6. Each of these WSs 7 has a function of editing specific format data by an operator's operation and transmitting the edited data to the exchange center processing device 6.

The transfer request form A has the format shown in FIG. 4, for example, where 18 indicates the transfer amount 2, the account number 2, the name,
A client entry area where the client enters the name of the bank, etc., an area 19 for stamping the branch's inspection seal, and a specific data entry area 20 in which the branch number, etc. for identifying the branch is printed.

Next, a transfer process by the money exchange processing system configured as described above will be explained.

First, at the branch (destination branch), the operator at the counter receives the transfer request form A brought by the client;
After confirming the contents written in the client entry area 18, a transfer receipt is issued to the client in exchange for the transfer funds and fees.

Then, after the stamp of the branch is pressed in the seal stamping area 19, the transfer request form A is issued by the operator to 0CR2 of the branch terminal device 1 after a predetermined period of time has elapsed or when a certain amount has accumulated.
is set to

OCR2 reads each area 1 of this set transfer request form 1.
Read 8 to 19, transfer to OCR@Obu 3, and OC
When the R control unit 3 receives data from 0CR2, it compresses the data at a specific compression rate, stores it in a file unit (not shown), and at the same time instructs -6 0CR2 to read the next transfer request form A. At the same time, call the main number of the district center or administrative center.

This call signal is sent to the BPBX 5 via the public network 4, where the representative number is processed by the EPBX 5 and connected to an empty channel of the TRC 8 of the exchange center processing device 6.

After that, the transfer request form A stored in the file section
The data is read out by the OCR control section 3 and communicated to the exchange center processing device 6.

In the exchange center processing device 6, the CPU 9 decodes the data of the transfer request form A received from the OCR control unit 3, and stores it as transfer request form original data in the file unit 11 via the memory unit 10 in units of transfer request form A. .

Thereafter, the format data similarly sent from the OCR control unit 3 is sequentially stored as the original data of the transfer request form.

When the transfer request form original data is stored in the file section 11, it is sent to the exchange center processing device 6 via the WS/I F 14.
A call is made to the WS7, and when the operator performs a predetermined operation on the WS7, the CPU 9 takes out the transfer request form original data in the file section 11 and decompresses the data using the data decompression section 12, using that operation as a kick. At the same time, after the necessary data is converted into Kanji by the Kanji recognition section 13, it is transferred to the WS 7 via the WS/IF 14, whereby the original data of the bank transfer slip is displayed as image data on the display section of the WS 7.

Here, the operator selects the displayed image data.
First, look at the specific data entry area 20, identify the branch that sent the data on the transfer request form A based on the branch number, etc., and search for the corresponding seal imprint from a ledger (not shown) that contains the seal impressions of each branch. do.

Then, the imprint of the searched inspection seal is compared with the image data of the inspection stamp in the inspection stamp pressing area 19, and if it is confirmed that there is no mistake, a supplementary input operation is performed using the keyboard for the contents of the client entry area 18, 7- Complete the data entry for transfer request form A.

The completed transfer request form data is sent from the WS 7 again to the exchange center processing device 6, and stored in the transaction data file of the file section 11 through processing by the CPU 9.

Thereafter, the transfer request form data is read out from the transaction data file by the verification WS of the executive (not shown), and after being verified by the executive, it is sent to the sending bank center via the communication section 15, and then sent to the gold and silver center. will be sent as a money order notice.

This money transfer notice is then processed at the gold and silver center and then notified to the other party's business branch, that is, the destination store, and the destination store deposits the transferred funds into the recipient's savings account based on the received money order notice. .

[　Problem to be solved by the invention〕

However, in the conventional exchange processing system mentioned above,
To confirm the validity of the stamp on the transfer request form stamped at a branch, the operator operating the WS at the district center etc. checks the stamp of the stamp from the ledger containing the stamps of the stamp of each branch. Since this is done by searching and collating data, the operator has to perform the cumbersome work of turning over the pages of the ledger and searching for the corresponding seal imprint each time a transfer request form is created, which places a burden on the operator. At the same time, there was a problem in that the verification work was time-consuming, and verification errors were likely to occur.

The present invention was made to solve these problems, and by automatically performing verification stamp verification at the exchange center processing, it reduces the burden on the operator, shortens verification time, and prevents verification errors. The purpose of this is to realize a currency exchange processing system that can prevent such transactions.

[Means to solve the problem]

In order to achieve this objective, the present invention is installed in a branch of a financial institution, where data identifying the branch and data for exchange transactions are filled in, and a transfer request is affixed with the stamp of the branch. A branch terminal device equipped with an optical character reader that optically reads ticket data, and a branch office terminal device installed at a district center that handles administrative processing for multiple branches, and a terminal device equipped with an optical character reader that optically reads ticket data. A money transfer center processing device that has the function of performing predetermined processing on the data of the transfer request slip; , a money exchange processing system comprising a workstation that creates transaction data based on the transfer request form by supplementary input of the data in an input section by an operator; The apparatus is provided with a stamp data registration means in which image data is registered, and a control means having a function of determining the validity of the stamp pressed on the transfer request form.

[Effect]

According to the present invention having the above-described configuration, when the data of the transfer request slip read by the optical character reader of the branch terminal device is transferred to the money exchange center processing device, the The control means searches the inspection stamp image data of the relevant business office from the inspection stamp data registration means based on the data specifying the business office among the data of the transfer request form, and adds the searched stamp image data to the transfer request form. The validity of the stamp data is determined by comparing it with the stamp data of the data, and the determination result is displayed on the display section of the workstation together with the data of the transfer request form.

Therefore, according to this, the operator who operates the workstation only needs to perform supplementary input operations for the data in the transfer applicant entry area without checking the stamp, which reduces the burden on the operator, and Verification of inspection stamps is done automatically, reducing verification time.
Furthermore, matching errors can be prevented.

〔Example〕

Examples will be described below with reference to the drawings.

FIG. 1 is a block diagram showing an embodiment of a money transfer processing system according to the present invention.

In the figure, A is a transfer request form, 1 is a branch terminal, 2 is 0CR13 is an OCR control unit, 4 is a public network, and 5 is an EPBX.
, 6 is the exchange center processing unit, 7 is the 1-12 WS, 8 is the TRC, 9 is the CPU, 10 is the memory, 11 is the file section, 12 is the data expansion section, 13 is the kanji recognition section,
14 is a WS/IF, 15 is a communication unit, and 16 is an operation unit. Since these correspond to conventional equipment, they are indicated by the same reference numerals, and individual details will be omitted, but this system includes the above-mentioned exchange center processing device. 6 is equipped with an inspection stamp file section 17 in which image data of inspection stamps for each business store is filed,
When the data of the transfer request form A is sent from the branch terminal devices 1a to 1c, the CPU 9 searches the image data of the corresponding inspection stamp in the inspection stamp file section 17, and displays the transfer request and the image of the inspection stamp of the data of the check slip A. The structure differs from conventional systems in that it can check the validity of the data by comparing it with the data.

Incidentally, 1a to 1c indicate the offices where each office terminal device 1 is installed.

Next, the operation of the above-described configuration will be explained.

First, the transfer requestor fills in the necessary information by hand in the client entry area 18, and then sends the transfer request form A with the stamp stamped into the seal stamp area 19 at the branch office to the 0CR2 of the branch terminal device 1.
The processing from setting to data transfer to the exchange center processing device 6 is performed in the same manner as in the past.

The exchange center processing device 6 uses the store number etc. in the specific data display area 20 of the data of the transfer request form A received from the OCR control unit 3 to determine whether the data of the transfer request form A is one of the branch offices 1a to IC. The CPU 9 deciphers which side the message was sent from.

As a result, if it is determined that the transferred data is, for example, data from the branch office terminal device 1 of the branch office 1a, the inspection stamp image data of the branch office 1a registered in advance in the stamp file section 17 is displayed as the specific data. Search based on the store number etc. in area 20, compare the searched stamp image data with the stamp image data of the transfer request form A transferred from the branch 1a, and compare the results of the comparison with the above-mentioned transfer request form A. The transfer request form original data is stored in the file unit 11 via the memory unit 10 along with other data.

3 4- When the original transfer request form data is stored in the file section 11, a call is made from the exchange center processing device 6 to the WS 7 via the WS/I F 14, which causes the operator to
When you perform the specified operation in S7, that operation is considered as a kick and C
The PU9 transfers the original data of the transfer request form in the file section 11 to the WS7, whereby the original data of the transfer request form is displayed as image data on the display section of the WS7.

FIG. 2 is a diagram showing the display screen of WS7 at this time. In the figure, 21 is a specific data display area, 22 is a support person entry data display area, 23 is a stamp image display area,
These correspond to the specific data display area 20, client entry area 18, and verification stamp area of the transfer request form A explained in FIG. 4, and 24 is a validity determination display area.

As shown in this figure, in the display of the WS 7, the stamp image display area 23 displays the impression of the stamp pressed on the transfer request form A as image data, and the pass/fail judgment display area 24 displays the CPU 9. If the result of comparison and determination of validity is found to be valid, an O (indicated by ○ in the figure) is displayed, and if it is not valid, an × is displayed.

Therefore, the operator operating the WS7 can know the result of the stamp verification by looking at the display screen of this WS7 without having to perform the stamp verification. Perform the supplementary input operation to complete the data input of the transfer request form A.

Thereafter, processing is performed in the same manner as before until the destination store is notified, and the transfer funds are similarly deposited into the recipient's savings account.

〔Effect of the invention 〕

As explained above, the present invention provides a currency exchange center processing device with
An inspection stamp data registration means that registers inspection stamp image data for each branch office, and data that identifies the branch office based on the data on the transfer request form transferred from the branch terminal device to the exchange center processing device. Search the store's inspection stamp image data from the inspection stamp data registration means, and compare the searched inspection stamp image data with the inspection stamp data of the transfer request form to determine the validity of the inspection stamp data, and By providing a control means for displaying the determination result on the display section of the workstation together with the data of the transfer request form, it is possible to automatically determine whether or not the verification stamp pressed on the transfer request form is valid.

Therefore, according to this, the operator operating the workstation only needs to perform supplementary input operations for the data in the remittance transfer entry area without verifying the stamp, which reduces the burden on the operator, and Verification of inspection stamps is done automatically, reducing verification time.
Furthermore, it is possible to prevent verification errors.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing an embodiment of a money transfer processing system according to the present invention, FIG. 2 is a diagram showing a display screen of a WS in the embodiment of FIG. 1, and FIG. 3 is a block diagram showing a conventional money order processing system. 4 are format diagrams showing an example of a transfer request form. A: Transfer request form 1: Branch terminal device 2: Optical character reader (OCR) 3: OCR control unit 6: Exchange center processing device 7: Work station (WS) 9: Central processing unit i (CPtJ) 10 :Memory part 11:File part 12:Data decompression part 13
: Kanji character recognition section 17: Inspection stamp file section 18: Transfer requester's entry area 19: Inspection stamp area 20: Specific data entry area 21: Specific data display area 22: Client entry data display area 23: Inspection stamp image display area 24: Validity judgment result display area

Claims (1)

[Claims] (1) Installed at a branch of a financial institution, it optically reads the data on a transfer request form, which is filled with data identifying the branch and data for exchange transactions, and has the branch's stamp stamped. A branch terminal equipped with an optical character reader is installed at a district center that handles administrative processing for multiple branches.
A money transfer center processing device that has a function of performing predetermined processing on the data of the transfer request form sent from the branch terminal device; In the exchange processing system, the exchange processing system comprises a workstation that creates transaction data based on the transfer request form by displaying the data on the display unit and having an operator perform supplementary input for the data in the input unit. The device includes an inspection stamp data registration means that registers image data of an inspection stamp for each branch office, and a stamp image data of the applicable branch office based on data specifying the branch office among the data in the transfer request form. In addition to searching from the registration means, the searched stamp image data is compared with the stamp data included in the data on the transfer request form to determine the validity of the stamp data, and the judgment result is sent to the workstation along with the data on the transfer request form. A money exchange processing system characterized by comprising a control means for displaying information on a display unit.