JPH04243497A - Automatic cheque dealing system - Google Patents

Abstract

PURPOSE:To carry out cheque deposit and automatic dealing application. CONSTITUTION:An automatic cheque deposit unit 1 equipped with a means of reading a cheque as image data, a means 5 of recognizing characters of the deposited cheque from the image data, and a means 6 of issuing a receipt where the detailed content of the cheque using cheque data is connected to a center unit 9 for confirming the appropriateness of the cheque from recognized characters of the cheque by collating operator's marking with signature and for updating an original book file storing customer's account data.

Description

[Detailed description of the invention]

0001

[Industrial Field of Application] The present invention relates to a system for automating check deposit operations in financial institutions such as banks, and in particular, the present invention relates to a system for automating check deposit operations in financial institutions such as banks.
Acter Reader, optical character reading device)
The present invention relates to an automatic check transaction system suitable for efficient check reading and deposit processing.

0002

[Prior Art] Conventionally, automatic transaction devices for handling checks used in banks and other financial institutions have
As described in Publication No. 41095, a check is received from the input slot in an envelope, an identification code corresponding to the customer code is printed on the envelope, and the check is stored in the device and deposited. In some cases, a receipt is issued to the person confirming that the check has been deposited.

[0003] In such conventional technology, a check stored in a device is manually collected and, like when a check is accepted for deposit at a bank teller, it is necessary to check whether the check is valid, that is, to check whether the check is valid or not. After checking and verifying the stamp or signature registered in advance with the stamp or signature registered in advance, the amount stated on the check will be debited from the check issuer's account and the amount will be credited to the depositor's account. I am doing it. Therefore, on the bank side, manpower is required for processing checks, checking their validity, withdrawing them, depositing them, and so on. In addition, for depositors who are users, it is convenient to be able to make deposits outside the business hours of financial institutions such as banks, or the convenience of not having to go to a bank branch by using a device installed nearby. However, there was a problem in that it took a long time to deposit money into the account.

[0004] Furthermore, conventional automatic deposit machines for checks (
(automated transaction device), the amount written on the check, and
MICR (Magnetic Ink Chara)
cterReader, magnetic ink character reader)
Because the characters were not read, although receipts were issued, they were incomplete and did not contain any information about the contents of the deposited checks. One possible solution to this problem is for the depositor to key in information such as the amount and MICR characters at the time of deposit, but this creates new problems such as complicated operations for the depositor.

[0005]

[Problem to be solved by the invention] The problem to be solved is that it takes a lot of manpower and time to process checks related to check deposits and transactions, that is, check storage, validity confirmation, withdrawal processing, deposit processing, etc. Second, information regarding the contents of the deposited check is not printed on the issued receipt, making it impossible for the user, the depositor, to confirm whether or not a legitimate transaction has taken place.

An object of the present invention is to solve these problems of the prior art by automatically reading the amount written on a check and the MICR characters, and to print sufficient information regarding the contents of a deposited check. Automated check transactions that enable the issuance of check receipts, check storage, validity confirmation, debit processing, and deposit processing to save labor and speed up operations related to check deposits and transactions. The goal is to provide a system.

[0007]

[Means for Solving the Problems] In order to achieve the above object, the automatic check transaction system of the present invention includes an optical reading storage unit that reads and stores checks as image data;
From the image data read by this optical reading storage section,
There is a character recognition section that recognizes MICR characters that include the amount written on the check and the account number of the check issuer, and an input section where the depositor who deposited the check enters the depositor's account number. The receipt issuing unit issues a receipt with the deposit details of the check printed, including the depositor's account number, the amount recognized by the character recognition unit, and the account number of the check issuer, and the depositor's account number entered in the input unit. MICR that includes account number data, amount data that is character recognized by the character recognition unit, and check issuer's account number data.
An automatic check depositing device equipped with character data and a transmitting section that transmits image data of the check read by the optical reading storage section stores account data corresponding to the respective account numbers of the check issuer and the depositor. The image is searched and extracted based on the ledger file, the image file containing image data of the check issuer's registered seal or signature, and the check issuer's account number data sent from the transmitter of the automatic check deposit machine. The registered seal or signature of the check issuer from the file and the image data of the check sent from the transmitter are displayed and output, and the registered seal or signature of the check issuer from the image file and the check are displayed. After the operator confirms that the image data matches the registered seal or signature, the depositor's account number data, check amount data, and
The present invention is characterized in that it is connected via a line to a center device equipped with a check transaction processing unit that updates a ledger file based on MICR character data including the check issuer's account number.

[0008]

[Operation] In the present invention, the optical reading storage section and character recognition section of the automatic check depositing device recognize the amount and MICR characters on the check received from the deposit slot. This allows the character-recognized data and the depositor's account number data input from the input section to be edited into a predetermined format and printed out by the receipt issuing section.

Furthermore, when the center device receives a series of check image data such as the depositor's account number data, the amount data written on the check, and the MICR character data from the automatic check depositing device, the center device receives the MICR character data. Search the image file using the check issuer's account number in the data as a key. Then, the image data of the registered seal or signature of the check issuer retrieved and extracted from the image file is displayed and output together with the check image data transmitted from the automatic check deposit machine. Based on the image data displayed on the display section, a bank clerk, for example, performs so-called seal verification or signature verification, confirms whether the deposited check is valid, and inputs confirmation.

[0010] When the confirmation input is made, the center device updates the account data of the check depositor and issuer in the ledger file based on the account number and amount data transmitted from the automatic check depositing device. In this way, the bank clerk
By simply confirming the validity of the deposited check and entering confirmation, a series of transaction processes such as debiting the check issuer's account and depositing the check to the check depositor's account will be automatically executed. Become.

[0011]

Embodiments Hereinafter, embodiments of the present invention will be explained in detail with reference to the drawings.

FIG. 1 is a block diagram showing an embodiment of the configuration of an automatic check transaction system according to the present invention.

The automatic check transaction system of this embodiment includes an automatic check deposit device 1 that is provided to a user who deposits a check, reads and stores image data of the deposited check, and prints and issues a receipt; A center device 9 is installed at a bank's head office and performs transaction processing such as changing user account data based on data sent from an automatic check deposit device 1, etc., and a center device 9 is provided to bank staff to handle deposits. It consists of a verification terminal device 12 that displays information related to the received check and is used for confirmation processing such as whether or not the check is valid.

[0014] The automatic check depositing device 1 also includes a display section 2 that displays operating procedures and contents of instructions to the user, a keyboard 3 that serves as an input section for the check depositor to input account numbers, etc., and a deposited check is optically read as image data, and the amount written on the check and the account number of the check issuer are determined from the image data of the check read by the optical reading storage section 4 and the optical reading storage section 4 stored in the device. a character recognition unit 5 that recognizes MICR characters including , a receipt issuing unit 6 that prints and issues a receipt on which check deposit details are printed, an interface unit 7 that serves as a transmitting unit that communicates data with the center device 9; The automatic check depositing apparatus 1 is composed of a control section 8 that controls the entire automatic check depositing apparatus 1 in an integrated manner.

[0015]The center device 9 is connected to a
TM (Automated Teller Mac)
hine, automatic cash transaction device) and CD (Cash
Disperser, automatic cash dispensing device), etc., and performs processing related to general financial transactions.It is connected to a ledger file 10 that stores account data such as balance data, and a ledger file 10 that stores account data such as balance data corresponding to the bank user's account number. It has an image file 11 that stores image data of a seal impression or signature registered by a person, and a check transaction processing section 15 that particularly performs transaction processing regarding checks related to the present invention. The verification terminal device 12 also has a display section 13 that displays image data transferred from the center device 9, and an operator such as a bank clerk checks the image data displayed on the display section 13 and determines that the image data is appropriate. The computer has a keyboard 14 for inputting confirmation information in case of an error. In this embodiment, the verification terminal device 12 and the center device 9 are shown in a separate configuration, but the operation of the verification terminal device 12 is controlled by the check transaction processing section 15 of the center device 9. Yes, the verification terminal device 12 may be integrated with the center device 9. With such a configuration, the automatic check transaction system of this embodiment can efficiently carry out operations related to check deposits and transactions of the present invention.

That is, in the automatic check depositing apparatus 1, first, the optical reading storage section 4 optically reads and scans the check received from the deposit slot, and reads it as image data. Based on the image data of the check obtained here, MICR characters containing the amount written on the check and the account number of the issuer of the check are
The character recognition unit 5 recognizes characters. Further, the user who has deposited the check inputs his or her account number using the keyboard 3. Based on the account number and the contents of the check that have been determined in detail by the character recognition unit 5, the receipt issuing unit 6 collects the amount data, the check issuer's account number, the depositor's account number data, etc. A receipt will be issued with this printed on it. Then, by the interface section 7,
The image data of the check read by the optical reading storage section 4 and the depositor's account number data input from the keyboard 3 are transmitted to the center device 9. In the present embodiment, the check whose image data has been read by the optical reading storage section 4 is held, for example, on a transmission line until the final confirmation process is completed, and storage is not completed immediately. if,
If the check is invalid, a message to that effect will be displayed on the display and the check will be returned to the depositor.

The center device 9 receives each data regarding the check from the automatic check depositing device 1, and uses the check transaction processing unit 15 to create an image file using the issuer's account number of the image data of the received check as a key. 11 and extracts the registered seal or signature of the issuer of the check. Then, the image data of the extracted registered seal imprint or signature is transmitted to the verification terminal device 12 together with the image data of the check received from the automatic check depositing device 1.

Under the control of the check transaction processing unit 15 of the center device 9, the verification terminal device 12 collects the image data of the registered seal or signature extracted from the image file 11 and the image data of the check received from the automatic check deposit device 1. are displayed on the display section 13 at the same time. Based on the image data of the check displayed on the display unit 13 in this way, the bank staff verifies the seal or signature, determines whether the deposited check is valid, and the result is Input via the keyboard 14. Based on the judgment result entered via the keyboard 14 and determined to be appropriate, the check transaction processing section 15 of the center device 9
updates the account data of the check depositor and issuer in the ledger file 10 based on the account number, amount data, etc. received from the automatic check deposit device 1.

As described above, according to the automatic check transaction system of this embodiment, the bank clerk only needs to confirm the validity of the deposited check and input the result. Then, a series of check-related transaction processes such as debiting the check issuer's account and depositing money into the check depositor's account are automatically performed.

The processing operations of the automatic check transaction system according to the present invention will be explained in more detail below using flowcharts.

FIGS. 2A and 2B are flowcharts showing an embodiment of the processing operation of the automatic check transaction system shown in FIG. 1 according to the present invention.

When the check depositor inserts the check into a predetermined deposit slot (step 100), the automatic check deposit apparatus 1 shown in FIG. 1 reads the image of the check using the optical reading storage section 4 (step 101). and,
The read image data of the check is sent to the character recognition unit 5 shown in FIG.
Character recognition is performed for the R character (step 102). Furthermore, based on the recognized characters obtained as a result of character recognition,
The control unit 8 in FIG. 1 determines the presence or absence of unrecognizable characters and the validity of the number of digits (step 103). here,
If appropriate, the recognition result data of the amount and MICR characters, and the image data of the amount and MICR characters,
For example, with guidance such as "Please check the amount and check information and confirm," the display section 2 in Figure 1
(Step 104).

[0023] The depositor compares and verifies the recognition result data displayed on the display section 2 of FIG. ” key, and if there is a difference, press, for example, the “Cancel” key on the keyboard 3 to confirm input (step 105). Here, when the "Confirm" key is pressed, the automatic check deposit device 1 shown in FIG. do.

Based on this guidance, when the depositor inputs the account number (step 106), the automatic check deposit apparatus 1 shown in FIG. It is stored in the storage section in the reading storage section 4 (step 107). Then, the character recognition unit 5 in FIG.
Amount data and MICR character data recognized by
Then, the account number data entered from the keyboard 3 is edited into a predetermined format, and the receipt issuing unit 6 of FIG.
A receipt is printed and issued (step 108).

Furthermore, the automatic check depositing device 1 shown in FIG.
Via the interface section 7, to the center device 9 in FIG.
Send amount data, MICR character data, check depositor's account number data, and check image data (
Step 109) ends the series of deposit processing.

In step 103, if the validity determination result of the recognition result is not valid, or in step 10
If the "cancel" key is pressed in step 110, the automatic check depositing device 1 shown in FIG. ).

Next, the center device 9 shown in FIG.
When the data is sent from the automatic check deposit machine 1, the check transaction processing unit 15 searches the image file 11 using the check issuer's account number in the MICR character data as a key (step 111), Extract the image data of the issuer's registered seal or signature,
It is transmitted to the verification terminal device 12 in FIG. 1 together with the check image data transmitted from the automatic check depositing device 1 in FIG. 1 (step 112).

In the verification terminal device 12 of FIG.
The check image data transmitted from the center device 9 and the image data of the registered seal or signature of the check issuer corresponding to the check image data are displayed on the display section 13 (step 13).

Here, the bank clerk uses the seal imprint or signature in the check image data displayed on the display section 13 and the registered seal imprint or signature extracted and displayed from the image file 11 of FIG. Verification or signature verification is performed to confirm the validity of the check deposited in the automatic check deposit machine 1 shown in Figure 1 (Step 1)
14). If the check deposited is valid,
The bank clerk inputs confirmation using the keyboard 14 shown in FIG. 1 (step 115).

When the bank clerk's confirmation input is executed in the verification terminal device 12 of FIG. 1, the center device 9 of FIG.
The check transaction processing unit 15 creates the check depositor's and check issuer's ledger files 11 based on the amount data and account number data corresponding to the input image data.
is updated (step 116).

In this embodiment, if the result of checking the validity of the deposited check is not valid in step 114, the process is terminated. However, in reality,
Another conventional process is to notify the depositor of this in writing or the like. Since this process has no direct relation to the present invention, a description thereof will be omitted here. Furthermore, in this embodiment, the check depositor's account number is entered using a keyboard, but it is also possible to enter the check depositor's account number using a magnetic card commonly used in banks. It is possible to obtain the effect of preventing erroneous input due to erroneous operation. Further, the timing of inputting the depositor's account number is not limited to the process of this embodiment, and the same result can be obtained in any process as long as it is before the issuance of the receipt.

As explained above using FIG. 1 and FIGS. 2A and 2B, according to the automatic check transaction system of this embodiment,
Check deposit processing and transaction processing are performed automatically, and the bank clerk only needs to confirm the image data displayed on the display device. Then, at the automatic check deposit machine, the amount on the check to be deposited and the MIC
Since the R character is recognized, it is possible to issue a receipt with detailed information such as the amount of the deposited check printed on it. Furthermore, since information on deposits into the automatic check deposit device is transmitted to the center device via a line and is automatically processed, the process from deposit to deposit into the account can be speeded up.

[0033]

According to the present invention, by automatically reading the amount written on the check and the MICR characters, it is possible to issue a receipt with sufficient information regarding the contents of the deposited check; It is possible to automate check storage, validity confirmation, withdrawal processing, and deposit processing, making it possible to save labor and speed up operations related to check deposits and transactions.

[0034]

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing an embodiment of the configuration of an automatic check transaction system according to the present invention.

2A is a part of a flowchart showing one embodiment of the processing operation of the automatic check transaction system in FIG. 1 according to the present invention; FIG.

2B is another part of a flowchart showing one embodiment of the processing operation of the automatic check transaction system in FIG. 1 according to the present invention; FIG.

[Explanation of symbols]

1 Automatic check deposit machine 2 Display section 3 Keyboard 4 Optical reading storage section 5 Character recognition section 6 Receipt issuing department 7 Interface section 8 Control section 9 Center device 10 Ledger file 11 Image file 12 Verification terminal device 13 Display section 14 Keyboard 15 Check transaction processing department

Claims (1)

[Claims] 1. Optical reading/storage means for reading and storing a check as image data, and a MICR containing the amount written on the check and the account number of the check issuer from the image data read by the optical reading/storing means.
A character recognition means for recognizing characters; an input means for the depositor who has deposited the check to enter the depositor's account number; and a character recognition means for the depositor's account number entered by the input means and the character recognition means. a receipt issuing means for issuing a receipt printed with the deposit details of the check, including the amount deposited and the check issuer's account number; the depositor's account number data entered by the input means; and the character recognition means. An automatic check depositing device comprising MICR character data including character-recognized amount data and check issuer's account number data, and a transmitting means for transmitting image data of the check read by the optical reading and storing means,
A ledger file that stores account data corresponding to the respective account numbers of the check issuer and depositor; an image file that stores image data of the registered seal or signature of the check issuer; and an image file that stores the image data of the registered seal or signature of the check issuer; The registered seal or signature of the check issuer from the image file searched and extracted based on the check issuer's account number data sent from the sending means, and the image data of the check sent from the sending means. and after input from the operator who has confirmed that the registered seal or signature of the check issuer from the displayed and outputted image file matches the registered seal or signature of the image data of the check,
A center comprising check transaction processing means for updating the ledger file based on the MICR character data including the depositor's account number data, check amount data, and check issuer's account number sent from the transmitting means. An automatic check transaction system characterized by being connected to a device via a line.