JPH0863529A - Seal collation device/method in payment system of bank and the like - Google Patents

Abstract

PURPOSE: To prevent a payment accident and illegal money payment by collating a seal impressed on a ledger with a seal impressed on a payment slip. CONSTITUTION: A bankbook number mentioned on the payment slip 17 is transmitted to a side where the bankbook is generated through a communication line 6. A side where the bankbook number is received reads a seal 15 corresponding to the bankbook number which is previously stored in a storage part 3. The seal 15 which is read is transmitted to a facsimile equipment 13 being a transmission source by a facsimile equipment 5 through the communication line 6. The seal 15 received by the facsimile equipment 13 is collated with the seal 18 impressed on the payment slip 17, and they are judged to be the same or not. Thus, the seal impressed on the ledger, the seal 15 impressed on the bankbook 16 and the seal impression 18 sealed on the payment slip 17 can immediately be collated with. Thus, secure payment without errors is executed, and the payment accident owing to the errors and illegal payment can previously be prevented.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a seal imprint matching device and method in a withdrawal system of a bank or the like.

[0002]

2. Description of the Related Art When creating a new passbook at a post office, bank, etc., a user's seal (registered seal) must be registered, and the seal must be stamped on the original ledger and the passbook held by the user. become. When making a deposit, a seal is not required, but when making a withdrawal at the counter, the seal registered on the withdrawal slip is stamped, and the bank employee confirms the seal imprinted on the withdrawal slip. Make sure that the money holder is the same as the registered person. If the imprint of the stamp that has been affixed is the same as that registered, it is determined that there is no mistake, and the money is withdrawn according to the amount of the withdrawal slip.

[0003]

When a withdrawal slip is dispensed at a window such as a bank in this way, basically, the imprint of the seal stamped on the original ledger or the user's passbook is imprinted. The withdrawal becomes possible only when the three imprints of the imprint of the stamp and the imprint of the stamp imprinted on the withdrawal slip in which the passbook number and the withdrawal amount are described match.

However, when a passbook is updated and created for several years, the imprint of the passbook may be blank. Therefore, the passbook shop (head office or any branch)
Although the above three seal imprints can be easily compared with each other, the imprint of the passbook and the imprint of the withdrawal slip are different at other stores because it is premised that the registration seal of the ledger and the seal imprint of the passbook match. If it fits, withdrawal is possible. In other words, the stamp field of the seal stamp in the passbook is sometimes not stamped at the time of renewal, so when an unscrupulous person attempts to make an improper withdrawal, the blank stamp stamp field is displayed. Stamp a suitable seal on
When the stamp is stamped on the withdrawal slip, the imprint of the passbook and the withdrawal slip are the same, so the bank clerk at the counter will perform the withdrawal procedure as if there is no mistake. . Therefore, in such a case, there is a problem that the withdrawal becomes possible, which easily leads to an accident or an illegal withdrawal.

The present invention has been provided in view of the above-mentioned points, and the imprint imprinted on the ledger and the imprint imprinted on the withdrawal slip can always be compared with each other, regardless of which branch is to be dispensed. Thus, the seal imprint matching device and its method in a dispensing system of a bank or the like are provided for the purpose of preventing a withdrawal accident or an illegal withdrawal due to an error.

[0006]

Therefore, the first aspect of the present invention is described.
In the seal imprint matching device in the withdrawal system such as the bank described above, the seal imprint 15 and the passbook number imprinted on the ledger when the passbook 16 is newly created are recorded in the storage unit 3 and the withdrawal slip 17. The control means 2 for receiving the passbook number via the communication line 6, reading the seal imprint 15 corresponding to the passbook number from the storage section 3, and sending it to the sender by the first facsimile 5, It is characterized in that it is provided with a second facsimile 13 for receiving the imprint 15 imprinted on the ledger from the first facsimile 5 of the transmission source.

Further, in the seal imprint matching method in the withdrawal system of a bank or the like according to claim 2, the seal imprint 15 and the passbook number of the seal stamped on the ledger when the passbook 16 is newly created are stored in the storage unit 3 in advance. , Control to receive the passbook number described in the withdrawal slip 17 via the communication line 6, read the seal imprint 15 corresponding to the passbook number from the storage unit 3 and send it to the sender by the first facsimile 5. And a second facsimile 1 for receiving the imprint 15 imprinted on the ledger from the first facsimile 5 of the transmission source.
3 and transmits the passbook number described in the withdrawal slip 17 to the storage unit 3 side via the communication line 6, and the storage unit 3 side imprints a pre-stored seal stamp corresponding to the passbook number. The control means 2 drives and controls the first facsimile 13 to return it to the sender side, and the second facsimile 13 receives the imprint 15 and the received imprint 15 and the withdrawal slip 1.
It is characterized in that it is adapted to collate with the imprint 18 imprinted on 7.

Further, in the seal imprint collating apparatus in the withdrawal system of a bank or the like according to claim 3, the storage unit 3 in which the seal imprint and the passbook number of the seal stamped on the ledger when the passbook 16 is newly created are registered in advance. The passbook number described in the withdrawal slip 17 is received via the communication line 6, the digital data of the imprint corresponding to the passbook number is read from the storage unit 3, and is sent to the sender by the first transmission / reception unit 7. The second transmitting / receiving unit that receives the passbook number data from the input unit 24 and the input unit 24 that inputs the seal imprint of the stamp imprinted on the withdrawal slip 17 and the passbook number. 21 via the communication line 6 through the first transmission / reception unit 7
Collation control means 2 for transmitting the digital image data of the seal imprint received from the first transmission / reception section 7 and preliminarily registered to the digital data of the seal imprint from the input means 24.
2 and a display unit 23 for displaying whether or not the imprint registered in advance by the output from the collation control means 22 and the imprint imprinted on the withdrawal slip 17 are the same.

[0009]

According to the seal imprint collating device in the withdrawal system of a bank or the like according to claim 1 of the present invention, the passbook number described in the withdrawal slip 17 is transmitted to the side that created the passbook via the communication line 6. Then, on the side that receives the passbook number, the seal imprint 15 corresponding to the passbook number stored in the storage unit 3 in advance is read out, and the read seal imprint 15 is transmitted to the second facsimile 13 which is the transmission source by the first facsimile 5. It is transmitted via the communication line 6. Imprint 1 received by the second facsimile 13
5 and the imprint 18 imprinted on the withdrawal slip 17 are collated to determine whether they are the same. As a result, the imprint imprinted on the ledger and the imprint 15 imprinted on the passbook 16,
Immediately match the three imprints with the imprint 18 stamped on the withdrawal slip 17 to ensure that the withdrawal is correct and prevent accidental withdrawal due to an error or fraudulent withdrawal. You can

According to the seal imprint matching method in the withdrawal system of a bank or the like according to claim 2, the passbook number described in the withdrawal slip 17 is transmitted to the side that created the passbook via the communication line 6. , The storage unit 3 in advance on the side receiving the passbook number
The seal imprint 15 corresponding to the passbook number stored in the first facsimile 5 is read out.
Then, the data is transmitted to the second facsimile machine 13 of the transmission source through the communication line 6. The seal imprint 15 received by the second facsimile 13 and the seal imprint 18 imprinted on the withdrawal slip 17 are collated to determine whether they are the same. As a result, the imprint imprinted on the ledger and the imprint 15 imprinted on the passbook 16,
Immediately match the three imprints with the imprint 18 stamped on the withdrawal slip 17 to ensure that the withdrawal is correct and prevent accidental withdrawal due to an error or fraudulent withdrawal. You can

Further, according to the seal imprint collating apparatus in the dispensing system of a bank or the like according to claim 3, the seal imprint and the passbook number described on the dispensing slip 17 are read by the input means 24 and the collation control is performed. The means 22 transmits data of the passbook number to the side that created the passbook through the second transmission / reception unit 21 and the communication line 6, and the side that received the passbook number has the passbook number stored in the storage unit 3 in advance. The digital data of the corresponding seal imprint is read out and the control means 2 firstly
It is sent to the second transmission / reception unit 21 of the transmission source via the transmission / reception unit 7 and the communication line 6. Then, the collation control means 22 collates the digital data of the seal imprint registered in advance, which is output from the second transmission / reception section 21, with the digital data of the seal imprint imprinted on the dispensing slip 17 input by the input means 24. . The display unit 23 displays whether or not the seal imprint registered in advance and the seal imprint imprinted on the dispensing slip 17 are the same, based on the output from the collation control unit 22. As a result, the three imprints of the imprint imprinted on the ledger, the imprint imprinted on the passbook 16, and the imprint 18 imprinted on the withdrawal slip 17 can be immediately and automatically collated, and reliably. It is possible to prevent mistaken withdrawal accidents and fraudulent withdrawals.

[0012]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram of the whole of the present invention, and 1 is a passbook creation store in which a user has created a passbook at a post office or a bank. When the user creates a passbook in this passbook creation store 1, the user The personal seal is stamped on each of the ledger and the passbook with the registration stamp of, and the ledger and the passbook are respectively created. When the ledger is created here, the passbook number of the passbook and the imprint of the imprinted stamp are paired and stored in the storage unit 3 of the computer 2 in advance. Since the passbook number of the passbook is a number, it is registered as it is as digital data, and the imprint of the notification stamp imprinted on the ledger is read by a scanner or the like to be image processed and stored as digital data.

In the passbook store 1, the computer 2 having the storage unit 3 is linked with the facsimile (FAX) 5, and the imprint corresponding to the passbook number stored in the storage unit 3 by the computer 2 is printed by the facsimile 5. Output to
It can be transmitted to another store via the communication line 6. Here, as the digital data stored in the seal imprint storage unit 3, the imprint imprinted by the D / A conversion unit 4 is output, and the imprint is sent to the facsimile 5 and the facsimile 5 Then, input the imprint to the communication line 6
It is designed to be sent via.

Reference numeral 10 denotes a store that is about to withdraw money from a withdrawal slip, and is composed of a personal computer 11, a keyboard 12, a facsimile 13, and the like. The personal computer 11 and the facsimile 13 are connected to the communication line 6, and the facsimile 13 receives the seal imprint of the seal sent from the facsimile 5 of the passbook making store 1.

Here, the user puts the passbook 16 on the withdrawal slip 17.
Enter the passbook number and withdrawal amount of
Stamp 7 and hand it to the bank teller. The bank clerk inputs the passbook number described in the received passbook 16 and withdrawal slip 17 on the keyboard 12. The personal computer 11, which has received the passbook number input from the keyboard 12, transmits the passbook number to the passbook making store 1 via the communication line 6. The computer 2 of the passbook making shop 1 reads the sent passbook number and reads from the storage unit 3 the digital data of the seal impression of the notification stamp stored in pair with the passbook number. Then, the read digital data is converted into analog data by the D / A converter 4 and the imprint is output to the facsimile 5. The facsimile 5 transmits the imprint to the store 10 as the transmission source via the communication line 6.

On the side of the store 10, the imprint from the passbook making store 1 is received by the facsimile 13 and the paper 14 on which the imprint 15 is displayed is output. The staff compares the imprint 15 displayed on the paper 14 and the imprint 18 imprinted on the withdrawal slip 17 with the output paper 14, and the imprints 15, 1
It is determined whether or not 8 are the same. If they are the same, it is assumed that there is no mistake, and the amount exactly as described in the withdrawal slip 17 will be withdrawn to the user. If the imprint 15 displayed on the paper 14 sent from the passbook making store 1 is not the same as the imprint 18 of the withdrawal slip 17 stamped by the user, it is imprinted on the ledger of the passbook making store 1. It is found that the imprint is different from the imprint, and the staff member can tell the user that the imprint is different and point out the mistake, thereby preventing the withdrawal accident due to the mistake.

As described above, even in the case of withdrawal at the store 10 where the passbook is not created, the person in charge at the window is required to pass the passbook 16
The seal imprint of the stamp imprinted on, the imprint 18 stamped on the withdrawal slip 17 and the seal imprint 15 (imprint of the ledger) transmitted from the passbook making store 1 via the communication line 6 It can be matched instantly. Therefore, withdrawal using the withdrawal slip 17 is possible without fail, and it is possible to reliably prevent a withdrawal accident or an illegal withdrawal due to a simple mistake.

The communication line 6 shown in FIG.
Telephone line, dedicated line between banks, optical fiber, ISDN
Etc. can be used.

(Embodiment 2) In the previous embodiment, a bank clerk visually checks the seal imprint 18 of the withdrawal slip 17 and the seal imprint 15 sent from the passbook making store 1, but In the embodiment, this is automated.

FIG. 2 shows a block diagram of the present embodiment, in which the passbook making shop 1 side stores the imprint of the notification stamp and the transmitting / receiving section 7 for transmitting / receiving data as in the previous embodiment.
And so on. On the store 10 side, the transmitter / receiver 2
1, a personal computer (matching control unit) 22, a display unit 23 such as a CRT, a scanner (input unit) 24 for reading the passbook number of the withdrawal slip 17 and the stamp 18 and a keyboard 25.

The passbook number written on the withdrawal slip 17 is read by the scanner 24, the read passbook number is converted into digital data by the personal computer 22, and the transmitting / receiving unit 2
1 to the passbook creation store 1 via the communication line 6. On the side of the passbook preparation store 1, the data of the passbook number sent is received by the transmission / reception unit 7, and the computer 2 reads the imprint corresponding to the passbook number from the storage unit 3. The digital data of the seal imprint is sent from the transmitter / receiver 7 via the communication line 6 to the store 1
The transmitter / receiver 21 on the 0 side transmits the received digital data of the seal imprint to the personal computer 22. The computer 2 performs this control.
In the personal computer 22, digital data of the seal imprint sent from the passbook making store 1 from the transmitting / receiving unit 21 and the scanner 2
The digital data converted from the imprint 18 of the withdrawal slip 17 read in 4 is compared (verified).

If the seal imprint of the registered seal registered in the storage unit 3 and the seal imprint 18 stamped on the dispensing slip 17 are the same, the fact is displayed on the display unit 23. Bank officials will definitely be able to withdraw money. If they are not the same, a message to that effect can be displayed to prevent a withdrawal accident due to an error or an illegal withdrawal.

In this case, the withdrawal slip 1 is displayed on the display unit 23.
It is also possible to simultaneously display the imprint 18 imprinted on 7 and the imprint of the notification stamp sent from the storage unit 3 so that they can be visually confirmed at the same time. In this case, it is possible to ensure the collation of the seal imprint by the determination by the personal computer 22 and the determination by the human. Alternatively, only the passbook number written on the dispensing slip 17 may be input from the keyboard 25, and only the imprint 18 imprinted on the dispensing slip 17 may be read by the scanner 24 to perform the above-mentioned collation.

In the above embodiment, the case of a bank or a post office has been described, but the present invention is not limited to this, and a system for imprinting a seal only in a general company and determining that the imprint is correct before withdrawing money. The present invention can be applied to the case. I would like to stick to the number 3 as it has been handed down the strength of three arrows and three pillars. or,
There is no doubt that it will contribute to keeping the work environment a little by preventing illegal withdrawals.

[0025]

According to the seal imprint collating device in the withdrawal system of a bank or the like according to claim 1 of the present invention, the passbook number described in the withdrawal slip is transmitted to the side that created the passbook through the communication line. Then, on the side that receives the passbook number, the seal imprint corresponding to the passbook number stored in the storage unit in advance is read, and the read imprint is transmitted by the first facsimile to the second sender.
It is sent to the facsimile of via the communication line. The imprint received by the second facsimile and the imprint imprinted on the withdrawal slip are collated to determine whether they are the same. As a result, the imprint imprinted on the ledger, the imprint imprinted on the passbook, and the imprint imprinted on the withdrawal slip can be collated immediately, resulting in surely correct withdrawal, It is possible to prevent a withdrawal accident due to the above and an illegal withdrawal.

According to the seal imprint matching method in the withdrawal system of a bank or the like according to claim 2, the passbook number described in the withdrawal slip is transmitted to the side that created the passbook through the communication line, and the passbook is sent. On the side receiving the number, the seal imprint corresponding to the passbook number stored in the storage unit in advance is read, and the read seal is transmitted by the first facsimile to the second facsimile, which is the transmission source, via the communication line. The imprint received by the second facsimile and the imprint imprinted on the withdrawal slip are collated to determine whether they are the same. As a result, the imprint imprinted on the ledger, the imprint imprinted on the passbook, and the imprint imprinted on the withdrawal slip can be collated immediately, making sure that there is no mistake in the withdrawal. It is possible to prevent a withdrawal accident due to the above and an illegal withdrawal.

Further, according to the seal imprint collating apparatus in the dispensing system of the bank etc. according to claim 3, the seal imprint and the passbook number described on the dispensing slip are read by the input means, and the collation control means is provided. Second passbook number data
Is transmitted to the side that created the passbook through the transmission / reception unit or the communication line, and the side that receives the passbook number reads the digital data of the seal imprint corresponding to the passbook number stored in the storage unit in advance, and It is sent to the second transmission / reception unit of the transmission source via the transmission / reception unit 1 and the communication line. Then, the collation control means collates the digital data of the pre-registered imprint output from the second transmission / reception unit with the digital data of the imprint stamped on the withdrawal slip inputted by the input means. The display unit displays whether or not the pre-registered imprint and the imprint stamped on the dispensing slip are the same, based on the output from the collation control means. As a result, the three imprints of the imprint imprinted on the ledger, the imprint imprinted on the passbook, and the imprint imprinted on the withdrawal slip can be immediately and automatically collated, and there is no error. It is possible to prevent withdrawal accidents and accidental withdrawal and fraudulent withdrawals.

[Brief description of drawings]

FIG. 1 is an overall block diagram of an embodiment of the present invention.

FIG. 2 is an overall block diagram of a second embodiment of the present invention.

[Explanation of symbols]

 1 Passbook Creation Shop 2 Computer (Control Means) 3 Storage Section 5 First Facsimile 6 Communication Line 7 First Transmission / Reception Section 10 Store 11 Personal Computer 12 Keyboard 13 Second Facsimile 14 Paper 15 Imprint 16 Passbook 17 Withdrawal Voucher 18 Imprint 21 Second Transmitter / Receiver 22 Personal Computer (Collation Control Means) 23 Display 24 Scanner (Input Means)

Claims (3)

[Claims] 1. A storage unit (3) in which a seal imprint (15) and a passbook number imprinted on a ledger when a passbook (16) is newly created and a withdrawal slip (17) are recorded in advance. Control is performed such that the passbook number is received via the communication line (6), the imprint (15) corresponding to the passbook number is read from the storage unit (3), and is sent to the sender by the first facsimile (5). Control means (2) to be executed and a seal imprint (15) imprinted on the ledger from the first facsimile (5) of the transmission source.
And a second facsimile (13) for receiving a seal imprint collating device in a dispensing system of a bank or the like. 2. A storage unit (3) for pre-registering a seal imprint (15) and a passbook number stamped on a ledger when a passbook (16) is newly created, and a withdrawal slip (17). Control is performed such that the passbook number is received via the communication line (6), the imprint (15) corresponding to the passbook number is read from the storage unit (3), and is sent to the sender by the first facsimile (5). Control means (2) to be executed and a seal imprint (15) imprinted on the ledger from the first facsimile (5) of the transmission source.
And a second facsimile (13) for receiving the passbook number transmitted to the storage unit (3) side via the communication line (6). )
On the side, the seal imprint (15) of the pre-stored seal corresponding to the passbook number is controlled by the control means (2) to drive and control the first facsimile (13) and returned to the sender side, and the second facsimile ( The withdrawal system of a bank or the like characterized in that the imprint (15) is received by 13) and the received imprint (15) is collated with the imprint (18) imprinted on the withdrawal slip (17). Imprint matching method in. 3. A storage unit (3) for preregistering a seal imprint and a passbook number of a seal stamped on a ledger when a passbook (16) is newly created, and a passbook number written in a withdrawal slip (17). Control for performing control so that digital data of a seal imprint corresponding to the passbook number is received from the communication line (6) from the storage unit (3) and is sent to the transmission source by the first transmission / reception unit (7). The means (2), the input means (24) for inputting the seal imprint of the seal stamp and the passbook number stamped on the withdrawal slip (17), and the second pass receiving the passbook number data from the input means (24) And the digital data of the pre-registered imprint received from the first transmission / reception unit (7) and transmitted to the first transmission / reception unit (7) via the communication line (6) by the transmission / reception unit (21) of Digital data of the seal imprint from the input means (24) Collation control means (2)
2) and a display section (23) for displaying whether or not the imprint registered in advance by the output from the collation control means (22) and the imprint imprinted on the withdrawal slip (17) are the same. A seal imprint matching device in a withdrawal system of a bank or the like.