JPH11227280A - Financial transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To print a seal print data on a new bank note at the time of carry- over. SOLUTION: A financial transaction system comprising a host computer storing information of an account opened by a client, and on-line terminals connected with the host computer for transaction is further provided with a seal print data memory means, and a bank note printer which can print a character data and an image data. Image data of the print of a registered seal is acquired previously at the time of opening an account and the seal print data is stored in the seal print data memory means. When a client performs transaction using a bank note, the seal print data is acquired from the seal print data memory means upon occurrence of carry-over of the bank note and bank note printer prints the seal print data on a new bank note.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a bank, a credit union,
BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial transaction system used in a credit union or another financial institution, and more particularly to a financial transaction system capable of issuing a new passbook to a customer when it is necessary to carry over a passbook during a transaction.

[0002]

2. Description of the Related Art At the time of depositing / withdrawing or entry of a passbook using a passbook at a bank or the like, if the print column of the passbook is filled up, it is necessary to carry over the passbook. At the time of carrying over the passbook, in order to stamp and register the new passbook with a notification stamp, the report stamp must be brought to a window of a branch or the like of the bank.

[0003] In addition, when opening an account, a notification stamp is stamped on a special sheet of paper, covered with a sticker, affixed to a passbook, and issued. It may be issued by pasting the notification seal and marking it.

[0004]

However, since the customer usually does not carry the notification stamp, the customer cannot stamp the notification stamp when carrying over to the new passbook.
Further, even if the customer has a report stamp, if the passbook is carried over while operating an unattended terminal such as a customer-operated automatic transaction device after the window is closed, the report stamp cannot be stamped.

[0005] For these reasons, even if a new passbook is used without a notification stamp, it is often left as it is because there is usually no particular problem. Then, when it is necessary to seal the notification stamp at the time of various procedures, it may not be possible to know which of the plurality of seals owned by the person is the notification stamp of the account.

[0006] Further, if the customer goes to a branch window with a passbook that is not stamped, the transaction takes time, such as taking out documents for verification of the seal. In addition, if the customer goes to a branch different from the branch where the passbook was opened, the seal must be verified after receiving the seal imprint of the seal from the opened branch, which takes more time. As described above, it is preferable that the passbook is always used in a state where the notification stamp is stamped, but at present, many passbooks are used with the notification stamp column left blank.

[0007]

According to the present invention, there is provided a financial transaction system comprising a host computer storing information of an account opened by a customer and an online terminal connected to the host computer for conducting a transaction. A storable imprint data storage means and a passbook printer capable of printing character data and image data are provided. At the time of opening an account, the image data of the imprint of the registered seal is obtained in advance as imprint data. When the customer carries out a transaction using the passbook, when the customer carries over to the passbook, the imprint data is acquired from the imprint data storage means, and the imprint data is printed on the new passbook by the passbook printer. It is characterized by the following.

[0008]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a flowchart showing an embodiment, and FIG. 2 is a simplified configuration example showing the embodiment. FIG. 2 shows an example of a financial transaction system. Reference numeral 1 denotes an online terminal, which is installed in a bank, a shinkin bank, a credit union, a branch of another financial institution, or the like. The online terminal 1 includes a card reader 2 and
A passbook printer 3 capable of printing character data and image data is connected.

The card reader 2 accepts various cards such as a cash card and can read and write the contents of a storage unit such as a magnetic stripe of the card and an IC chip memory. FIG. 3 is an explanatory diagram of an example of the data structure of the card. As shown in FIG. 3, in addition to the data of the financial institution ID, the branch number, the account number, and the validity of the card, imprint data is stored. The imprint data is image data obtained by reading a notification stamp stamped by a customer at the time of opening an account with an image reading device or the like, and the imprint data is registered in the storage unit of the cash card in advance. 1
Reference numeral 0 denotes a seal imprint data storage area in the storage unit, which functions as a seal imprint data storage unit.

Reference numeral 4 denotes a host computer, which is connected to a plurality of online terminals 1 by a communication line, stores information relating to customer accounts and information necessary for various transactions, and communicates with the online terminals 1 by Perform a transaction. The online terminal 1, the card reader 2, and the passbook printer 3 are used as, for example, a customer-operated automatic transaction device, a contact terminal, and the like. Here, an example of operation of the customer-operated automatic transaction device will be described. hand,
The operation of the present embodiment will be described with reference to FIG.

First, when opening a deposit account at a bank or the like, the imprint data obtained by capturing the imprint of the notification seal with an image reader or the like is stored in the storage section of the cash card as described above.
Give it to the customer. The customer brings his cash card and passbook, goes to a branch such as a bank, and conducts a transaction (payment, payment, bookkeeping, etc.) involving entry of the passbook. The customer operates an operation display unit (not shown) provided in the online terminal 1, sets a cash card and a passbook, and starts a transaction.

The online terminal 1 transmits transaction data indicating the details of the transaction to the host computer 4 (S1).
The host computer 4 receives the data (Sa1), edits the data to be printed on the passbook (Sa2), and transmits the edited data to the online terminal 1 (Sa3). The online terminal 1 receives the data from the host computer 4 (S2), and prints the edited data, that is, the details of the unregistered book, in a predetermined column of the passbook set in the passbook printer 3 (S3).

When all the detail entry columns of the passbook are printed and there are no blank columns, carry-over occurs (S4). The online terminal 1 takes out the new passbook from a storage unit (not shown), prints the detailed lines after the carryover, and prints the cover and the return portion (S5). Next, the card reader 2
Reads the set cash card and acquires data other than the imprint data in the storage unit (S6). Then, the customer is requested to input a password such as a personal identification number, and the customer inputs a password registered in advance when opening an account (S7). From the online terminal 1, the password input by the customer and the data (financial institution ID, branch number, account number, card validity, etc.) read from the cash card are transmitted to the host computer 4 (S
8).

The host computer 4 receives the data (Sb1), compares the password at the time of opening the account registered in the host computer 4 with the received password, and confirms the legitimacy of the customer (Sb1). Sb
2). When the validity is confirmed, the host computer 4
Transmits an imprint data read permission command to the online terminal 1 (Sb3).

The online terminal 1 receives the imprint data reading permission command (S9), confirms that the imprint data is permitted to be read (S10), and stores the data in the storage unit of the cash card via the card reader 2. Is read (S11). The imprint data is transferred to the passbook printer 3 and printed in a predetermined column of the passbook (S1).
2).

Thus, the customer can receive the passbook with the imprint printed when the passbook is carried forward, even if the customer does not have a seal. Further, in any case of the transaction at the counter or the transaction by the customer-operated automatic transaction device, the passbook with the imprint can be quickly received. Note that S10
In, if reading of imprint data is not permitted, the process is terminated.

In the above description, the imprint data is stored in the storage section of the cash card. However, the present invention is not limited to this. Imprint data storage means is provided in the storage device of the host computer, and the imprint data is stored therein. It may be stored, and the imprint data may be transmitted from the host computer 4 to the online terminal 1 when the legitimacy of the customer is confirmed.

The above-described processing is realized by a program, and the program is provided by being recorded on a recording medium.

[0019]

As described in detail above, by registering the imprint data in the imprint data storage means in advance,
When the passbook is carried over, there is an effect that the imprint data can be quickly attached to the new passbook. As a result, the customer's passbook is always imprinted, which has the effect of enabling quick and reliable processing during various transactions and procedures.

[Brief description of the drawings]

FIG. 1 is a flowchart showing an embodiment.

FIG. 2 is a simplified configuration diagram showing an embodiment.

FIG. 3 is an explanatory diagram of a data configuration example of a card.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Online terminal 2 Card reader 3 Passbook printer 10 Imprint data storage means

Claims (3)

[Claims] 1. A financial transaction system comprising: a host computer storing information of an account opened by a customer; and an online terminal connected to the host computer for conducting a transaction. A passbook printer capable of printing character data and image data, obtaining image data of the seal imprint of the notification seal as an imprint data at the time of opening an account, and storing the imprint data in the imprint data storage means. When a customer carries out a transaction using a passbook, if the passbook is carried over, the imprint data is acquired from the imprint data storage means, and the imprint data is printed on a new passbook by a passbook printer. Trading system. 2. The financial transaction system according to claim 1, wherein the imprint data storage means is provided in a storage section of the card, and a card reader which receives the card and can read the imprint data from the storage section is provided. . 3. The method according to claim 1, wherein the imprint data storage means is provided in the host computer, and when the imprint data is printed, the imprint data is transmitted from the host computer to the online terminal, and then output to the passbook printer. Characteristic financial transaction system.