JPS61276062A - Cashing method for check-card - Google Patents

Abstract

PURPOSE:To execute payment-unable check and to cash rapidly, exactly, and safely a check-card by checking true-or-false by magnetically reading the characteristic peculiar to the check-card, and collating through an online system the central file for the balance in the account the card was issued after. CONSTITUTION:A bar-code band is provided to the issued check-card, which is taken in through a detector 140 when the card is inserted in the inlet of a check-card cashing device, and the characteristic peculiar to the card is read by a characteristics detector 16. Then the account number given beforehand by the bank etc. and that read by a read head 181 as well as the characteristic- data are referred to each other regarding coincidence, and true or false is judged. And the balance in the account the card was issued from recorded in the card is collated online with the central file through a data I/O interface 170. In such way, the payment-unable can be checked, as well as the cashing of the check-card is executed rapidly, exactly, and safely.

Description

Detailed Description of the Invention (Technical Field of the Invention) The present invention relates to a check card payment method for converting check cards into cash in a check distribution system in which predetermined data is stored on check cards having magnetic stripes and distributed. .

(Technical background of the invention and its problems) Conventionally, in addition to cash as a payment method for commercial transactions, there is also a check payment method that is based on a current account deposit at a bank, etc., and users of such a check system enjoys its convenience. However, from the bank's perspective, this requires complicated administrative processing, and as the volume of Koyu-L increases, it has become a major bottleneck in streamlining bank operations.

Here, to discuss check processing operations at banks, etc., when a user, such as a company or business operator, opens a checking account, the bank issues a special checkbook. In addition, when issuing a checkbook, the user's account number (including bank code and branch code) is attached to each check, for example, as a MICR (Magnet Ink Charac).
ter Recognition) is printed and given to the user. If the user writes the amount on this check by hand or with a check writer and uses this to issue a payment, the person receiving the check will be required to bring the check to the bank where he or she has an account and deposit it. Submit it to the staff member. In banks such as 1R, all checks received in this manner are first photographed on microfilm, and then the face value is printed on these checks using a CR encoder. Then, classify these "Koyu" into own bank tickets and other bank tickets, press "exchanging" on the other bank tickets, and transfer these other bank tickets to the bank (branch).
Checks from various banks are collected at the T-shaped exchange, and these are taken to the designated L-shaped exchange in the district to which the bank belongs.
1! In addition to classifying each bank using the ICR reader sorter, each bank creates a list of loans (6 lists). Each bank returns its own portion of the classified checks, and the deposit balance is added to the account of the drawer of the check. Check whether there is.

This check is performed within a specified period (for example, 1 day after the exchange)
If there is insufficient funds within this period, the bank that accepted the check will be notified of this fact and procedures will be taken to prevent the check from being deposited into the account of the person who brought the check. If it is over, the money will be automatically deposited into the bearer's account, and payments will be made between banks based on the above list of loans and loans.On the other hand, for personal banknotes, the account balance of the sender will be checked through online inquiry, etc. If there is a balance, the amount of the check is delivered and the money is deposited into the bearer's account.

In this way, the traditional i&tsu process from issuing checks to settlement requires not only complicated procedures, including several manual steps and machine processing, but also especially when paying by hand. If the financial institution that accepts the drawn check is a bank card, it can be turned into funds on the spot, but if the check is a bank card from another bank, it cannot be settled on the spot and can only be settled after being brought to an exchange and exchanged. The problem is that it requires a lot of time and manpower.

(Purpose of IJ+) This invention was made based on the above-mentioned points, and its purpose is to enable check cards to be processed without human intervention as much as possible after financial institutions such as banks accept check cards. To provide a check card payment method that checks authenticity and deposit balance and converts check cards into cash.

(Summary of the Invention) This invention reads characteristic data unique to the small note card from a magnetic barcode band formed on the check card in a payment process for converting a drawn check card into cash at a financial institution. Determine the authenticity of the check card, and
If the authenticity is on the page, the customer data is read from the recording section consisting of a magnetic stripe etc. formed on this check card,
The balance of the account from which this customer data was read is checked against the center file online, and in the case of a payment town, the payment method is recorded in the record and record department, making it possible to make the above check card payment. be.

(Embodiments of the Invention) Fig. 1 shows a check card converting device 1 used in the present invention. Check card 2. This figure shows a schematic configuration of a check card distribution and monetization system using a check card automatic withdrawal company 30 and a check card issuing device 40, and the check card issuing device 30 is used for customers who have a current account at a designated financial institution. Automatic check card issuance equipment P14 is provided at the service corners of the above-mentioned designated financial institutions.
At the top of the front of the 0 issuing device fi4G, where the 0 and check card converting device 1 are installed, there is a “drawing device” brought by the customer.
Mounting device 1 for inserting and mounting 2t30]
41, and a check card outlet 4 is provided on the front side for discharging issued check cards in bulk.
2 is provided. Furthermore, the mounting port 41 and the discharge port 42
A display device 43 for displaying input/output data, operation guidance, etc. is provided between the g!
A keyboard (not shown) is provided for inputting necessary data such as district data and date and time data of the district where the t40 is installed. Here, the customer enters the desired number of check cards to be issued in advance on the keyboard 3 of the issuing device 30.
2 and insert this drawer M30 into the insertion slot 41 of the issuing device 40, the issuing device 40 will:
After checking the customer data stored in the issuing device 30 and comparing it with the management data stored in the issuing device 40 to check whether or not a check card can be issued, issue the input number of check cards 2 and , the date and time data of this drawing device 30 is stored in 1-1 of this issuing device 40.
The settings are corrected to match the 1 o'clock data.

Here, the check 2 card 2 issued by the automatic hand stamp L card issuing device 40 is as shown in FIGS. 2(A) to 2(C) (FIG. 2(B) is the It has a paper leaf-like rectangular shape similar to conventionally widely used cash cards (quick cards, bank cards, etc.), and has a magnetic stripe MS for loading and reading data. It is layered on a part of the back side.

In addition, the check card 2 is made of hard paper, for example, and a characteristic area CP is provided at a predetermined position on the surface for reading the characteristics unique to each Koyu/L card 2, and above the characteristic area CP is provided. An amount area MV is provided for printing the amount of the check to be drawn. The characteristic data of the characteristic area CP of check card 2 is, for example, #1FflVf59.
As shown in No. 281980, first and second barcodes 22 and 23 are printed on the surface of the characteristic area CP provided on the upper part of the substrate 20 of the check card 2 (
The first barcode 22 is printed using a magnetic material having a specific coercive force (for example, the characteristic pattern shown in FIG. The information is printed (or layered) on the substrate 20 with ink, and is formed as characteristic data unique to each card 2. Further, the second barcode 23 is printed (or layered) on the substrate 20 in the same way as the first barcode 22;
Printing (or layering) with ink containing a magnetic material with a higher (or lower) coercive force (for example, the characteristics ■ in Figure 3)
This second barcode 23 is provided at a predetermined position in a binary pattern common to all media.

On the characteristic area CP where the first barcode 22 and the second barcode 23 are printed, there is a mask band 2 made of an opaque non-magnetic material! are covered, so that the user or a third party cannot recognize that the barcodes 22 and 23 are located under the mask band 21. This mask band 21
may be provided so as to cover the entire surface of the substrate 20,
An appropriate picture or photograph may be printed on its surface.

This check card 2 or 2A having the above-described structure can be used in a check card settlement device 10 as shown in FIGS. 6 and 7.
characteristics detection device 211B and automatic check card issuing device 40
The data is read by the check card issuing device 30 (not shown), and the block diagram of this characteristic detection device 1B shown in FIG. 4 and FIGS. 5(A) to (B)
This characteristic data reading operation will be explained with reference to the timing chart.

The check card 2A is a check card payment device 'l1 which will be described later.
10, the magnetizing means (
(not shown), the barcodes 22 and 23 are sequentially magnetized through the mask band 21. In this case, barcode 2
The barcode 23 is magnetized with the characteristic as shown by the square in FIG. 3, and the barcode 23 is magnetized with the characteristic as shown by the black in the same figure, so that the barcodes 22 and 23 have different coercive forces H. This celadon - barcodes 22 and 23 magnetized in one step
is detected by the magnetic detection means 181 such as a magnetic helad as the card 2A enters. In other words, the magnetic detection means 161
detects the residual magnetism of barcode 22, 23, and amplifier 1
82 and outputs D2 as a detection signal that rises or falls depending on changes in magnetic flux at the leading and trailing ends of the barcode as shown in FIG. 5(A). Then, the clock pulse generation circuit 185 outputs the barcode 22 of the first bit.
A is detected (time tl), and a clock pulse CL as shown in FIG. 5(D) is output. The threshold THI of the reading circuit 183 is set to a high level as shown in FIG. 5(A), and the threshold Tl (2) of the reading circuit 1B4 is set to a low level. detects the pulse of the detection signal MD2, which is larger than the threshold ↑old, in synchronization with the clock pulse OL, and generates the bar code 22. as shown in FIG. 5(B).
The information of 23 is read and output as 01. Furthermore, the reading circuit 184 receives a detection signal -! greater than the threshold TH2! The pulse of tM02 is detected and output as c2 as shown in FIG. 5(C). In this case, due to the difference in the magnetic materials contained in the barcodes 22 and 23, the level of the detection signal +3XO2 corresponding to the barcode 23 is high, and the level of the detection signal MD2 corresponding to the barcode 22 is low. Therefore, 7979 of the reading circuit 183
If 1111 H1 is set higher than the pulse level of the bar code 22 and lower than the pulse level of the bar code 23, and 79791111 H2 of the reading circuit 184 is set lower than the pulse level of the bar code 22,
The reading circuit 183 reads information only from the barcode 23,
The reading circuit 1B4 can read the information of the barcodes 22 and 23. The control unit ICIO consisting of the CPU 150 and the like of the check card payment device 10 controls the reading circuit 1.
Information C2 of the barcodes 22 and 23 read by 84 and the read head 181 from the magnetic stripe MS to be described later.
is detected through the magnetic stripe data reading circuit 182
8-codes 22 and 23 outputted from the barcode 2a, and outputs a characteristic data signal AT on the condition that the information of the barcode 2a is read by the reading circuit 183. In addition, magnetic stripe data of bibliographic items read from the magnetic stripe MS, which will be described later, is also output. By outputting such characteristic data signals A from the control section 180, it is determined that the card 2A is not forged or altered.

Here, even if the mask is forged by reading the magnetic stripe MS on the width, the tampering can be identified because the barcodes 22 and 23 cannot be read, and even if the mask strip 21 is scraped off and magnetically copied. Barcode 22 and 2
Since the difference in coercive force of 3 is not detected, tampering with the medium can be identified.

Incidentally, the coercive forces of the barcodes 22 and 23 may be opposite to those described above, as long as the distinction can be read by two reading circuits. Furthermore, the combination and number of bars in the barcode are not limited to the examples, and the third
, a fourth barcode may be provided.

-1- Characteristic data specific to the check card 2 formed and read as described above is collected before being handed over from a financial institution such as a bank to a user who has opened a current account, or from the automatic check card issuing device 40. When issued, the barcode strip formed on each check card 2 is magnetically read, and its characteristic data is recorded on the magnetic stripe MS. Additionally, the financial institution number of the bank that issued the check card, its branch number, and the user's account number are also recorded on the magnetic stripe MS. In addition, the magnetic stripe MS is provided with an area for recording the check card exchange number, check number, amount, receiving bank number, and the issuer's FL attached, etc., which are recorded at the time of withdrawal. Of course, the amount area MV of unissued check card 2
is in a blank state with no printing. The upper part of the front surface of the check card 2 further includes a name field BN that displays the name of a financial institution such as a bank, a date aDT to be printed when issuing the check card 2, an exchange number @EN that displays the number of the clearing house, and the above. Store name column BR that displays the name of the main branch of the financial institution
, Serial number column CM that displays the serial number of the check card issue
is provided. At the bottom of the characteristic area CP, there is a recipient race RC in which to write down who (for example, the bearer) the check is being made to when issuing a check, a payee race ■ to display the address and name of the drawer, and a current account balance. An account number column NB is provided to display the account number of . Furthermore, on the back of the check card 2, there is a caution column TO that displays precautions for handling the check card 2, and a caution column TO that displays the precautions for handling the check card 2, and an ID column that later confirms the drawer.
An ID entry IM is provided in which the recipient can enter the name of the sender, etc. in order to obtain a fication. Note that these displays, entry fields, etc. on the check card 2 can be rearranged into any arbitrary arrangement, and can also be freely arranged by switching the front and back sides.

When such a check card 2 is inserted into the insertion slot 31 provided on the front side of the check card dispensing device t30, it is taken into the interior by the conveyance mechanism and necessary data input is performed using the keyboard 32 consisting of a numeric keypad and symbol keys. In this case, check withdrawal is confirmed while looking at the numerical value (amount) etc. displayed on the display device 33 provided on one side of the keyboard 32, and all input operations are completed.
By operating the confirmation key in the keyboard 32 at this time, the amount to be withdrawn is printed in the amount area MV, and the amount is printed on the magnetic stripe MS.

The check number, check number, etc. based on the date and time data of the E-recording drawer M30 are scrambled and recorded, and the check card 2A with this data recorded is sent to the check card drawer 3.
The check will be discharged from the discharge port 0 and handed over from the check drawer to the claimant (t# holder). Here, the 1st small number is automatically assigned a serial number each time a check is issued from the check card issuing device 30.

The user who received the check card 2A issued in this way converts the check card into cash using a check card cash converting device l installed at a financial institution such as a bank, as will be described later. To convert into cash with C 1,
An ATM (
Auto■a-tie Teller's Machi
ne) 13 (7) Card insertion You can insert the Roni check card 2A and have it automatically transferred to your account online or cash it directly. Alternatively, you can insert the check card 2A into the 0cho M ( On-Line Tel
A counter clerk inserts the check card into a special check card payment device connected to the er's Machine) 11, and deposits it into the bearer's account online, or cashes it at the counter using the cash payment device 12. It has become. In the case of these cash conversion processing, ATM13 or OT
In order to deposit money or convert money into cash using MII, the issue is whether or not there is a balance in the check card issuer's account.

The ATN 13 or OTl'll verifies the balance of the check card issuer's withdrawal account with the center file online, and can deposit or cash only if the amount is within the balance.

Figure 6 shows a check card payment bag rL10 using this invention.
FIG. 7 shows a block configuration diagram of the payment device 10.
A block diagram of the control system is shown.

In the figure, the check card 2A inserted from the insertion point O1 is transferred to a transport mechanism 102 to 102 driven by a motor or the like.
TE storage 19B 108A, 108B +,: Conveyance mechanism 102 to 106 are configured to sandwich and convey the check card 2A between a pair of belt conveyors wound around a set of rollers. It has become.

Further, an insertion detection sensor 141 consisting of a light emitting/receiving element for optically detecting the insertion of the inserted check card 2A is provided at the entrance of the insertion slot 101, and an insertion detection sensor 141 is provided in the middle of the transport mechanism 106. Check card 2A loaded inside
A gate switching device 107 is provided to switch the conveyance path in order to distinguish whether the issuing financial institution is our store or another store and store the check card separately in the store's check card storage section 108A or the other store's check card storage section 108B. Furthermore, this gate switching device 107 is switched and a light emitting/receiving element is used to detect the small #JJ hand cards 28.2G that have been transported separately and to detect whether they are stored in a predetermined position. A first discharge detection sensor 142. A second discharge detection sensor 143 is provided, and sensors 141 to +4
3 constitutes the detection section 140. Furthermore, the transport mechanism 1
In the middle part of 02, from the above-mentioned barcode band formed on the inserted check card 2^, for example, from a mounting means and a magnetic head, etc., for magnetically reading the characteristics specific to the small F) 1 hand card 2A. The characteristic detecting device 16 described above is provided, and this characteristic detecting device IB is
The detection method shown in No. 9-281980 is used. A read head 181 for reading data written on the magnetic stripe MS of the check card 2A is provided in the middle of the transport mechanism 103.
A write head 183 is provided in the middle for writing data processed by the control device onto the magnetic stripe MS of the check card 2A. And read head 18
1 connects to the magnetic stripe data reading circuit 182, and the write head +83 connects to the pass line 153 via the 3-inclusive circuit 184.
It is connected to the CPU 150, etc. Note that the read head +81 and the write head 183 may be magnetic heads for both read and write functions, and their arrangement position t may also be provided at the downstream stage of the printer 109.The intermediate portion of the transport mechanism 105 is provided with a check card payment system. A printer for printing rVOII] J in the amount area MV, which indicates device effectiveness! 09 is provided, and this printer 1
During printing according to No. 09, the transport mechanism 105 is stopped.

On the other hand, in the block configuration diagram of FIG. 7, a CPU (microcomputer $) 150 performs overall control, an operating program is stored in RO 151, and a RAM 152 is used for the characteristic detection device 1B. Detected characteristic data and data read by the magnetic stripe data reading circuit 182 via the read head +81 are stored, and the stored data is read out and processed when necessary. , these data are sent from the data person output interface 170 to 0T)I
It is designed to be output to ll or ATM13,
ROM151. RA) 1152 and interface 1
70 and the like are mutually connected to the CPU 150 via a pass line +53.

In such a configuration, the operation of the check card payment method of the present invention will be explained with reference to the flowchart shown in FIG.

When the check card recipient uses the check card payment device 10 installed in a financial institution such as a bank or the check card payment device built in the ATMI 3 to convert the issued check card 2A into funds, the check card The recipient first inserts the issued Little Man Card 2A into the insertion slot 101.
(step Sl), the insertion detection sensor 14
The tip of the check card 2A with 1 inserted is detected, and C
The transport mechanisms 102 to 10B are driven via the PU 150 to transport the check card 2A. During this transport, the check card 2A is detected by the characteristic detection device 2216 provided in the middle of the transport mechanism 102. As mentioned above, the unique characteristics of the eight Koyute cards 2A are read (step S2), and the characteristic data is stored in the RAM 152, and is further read by the read head 181 and magnetic stripe provided in the middle of the transport mechanism 103. Data reading circuit 18
2, the data recorded on the magnetic stripe MS, such as the check payer's account number and the amount to be withdrawn, is read (
In step S3), when the leading end of the loaded check car 12A reaches the printer +09, the conveyance of the conveyance mechanisms 102 to 10B is stopped via the CPo 150. and,
It is determined whether the account number obtained in advance from the bank etc. and the account number read by the lead head 181 match or not, and the characteristic data actually detected by the characteristic detection device 16 is determined by the check drawer. In step S4), it is determined whether the characteristic data matches or is within the allowable range with the characteristic data detected in advance and recorded on the magnetic stripe MS before being handed over from the financial institution etc. If not, or if the account numbers do not match (step S5), the check card is determined to be a fake, and G
3 circuit 184 and light head 1 via PUI50
83 to erase the data in the magnetic storage MS of the hand stamp L card 2A (step 523), print rVOIDJ on the check card by the printer 10B (step S24), reverse the transport mechanisms 102 to 10B, and insert the check card 2A. Release from the mouth (step 525
) This check card 2A is invalidated and the settlement of this check card 2A is completed.

In step S5, if the account numbers match and the read characteristic data match or are within the allowable range, convert the scrambled data read via the CP0150 into a positive value (step S8);
Is this data OTMII or A? ) 113 (step S7), displays this data on the display device of the payment device 1G (step S8), and transfers the balance of the check card withdrawal account recorded in this check card 2A to 0TNII or ATM13. If the balance is insufficient for the amount withdrawn with this check card 2A (step SIO), a message to that effect is displayed on the display device or outputted by voice. In step S22), a warning is issued and the transaction for the hand stamp L card 2A is completed.

In step SIO, if payment is possible, if the check card recipient wishes to cash out (step 911
), as stated above, by ATM13, or by OTMII
The cash payment device 2112 pays cash via the CP 115G (step S12), and the write head 183 records the acceptance on the magnetic stripe MS of the check card 2A via the CP 115G.
), the printer 109 prints the above check card.
"PAI 口" is printed in step S18).

It is checked whether the issuing financial institution of the check card 2A is our store or another store (step 519), and the check card 2A is separately stored in the store's check card storage section 108A or the other store's check card storage section 108B (step S20).
), and update the balance data of the check card withdrawal account in the Ushiki center file (step S21).
, complete the payment for this check card.

On the other hand, in step Sll above, if you want to deposit money into the account specified by the check card recipient, if this recipient owns a cash card for that account (step 5t13), enter the account number of this cash card as O.
Read by TMII or ATM13 (step S14
), If you do not own a cash card in step S13, enter the account number for depositing the money using the keyboard etc. (step S15), deposit money into the designated account (step S1B), and,
After processing the payment method on the check card and storing the check card as in steps 917 to S21 above, the payment data is electronically transmitted to the center file, and the balance data of the check card drawing account in this center file is updated. Finishing check card payment using the invented check card payment method.

Note that the above balance data is updated (step S21).
, after depositing the money into the specified account (step 516), process the check card payment method (steps S17 to 520).
It can be done at any time, before or during.

(Effects of the invention) As shown below, the small effects of this invention! According to the hand stamp R card payment method in the ILJ hand card distribution system, in the payment process during the financial period etc. that accepts the Xiaoyuding card,
After automatically checking the authenticity of this check card by magnetically reading the characteristics unique to this check card from the barcode band formed on the small IJJ f-card, the withdrawal account recorded on this check card is By checking the balance of the check with the center file online, it is possible to check whether the payment is unacceptable, which has the advantage of quickly, safely, and reliably converting the check cart into cash.

[Brief explanation of the drawing]

Fig. m1 is a configuration diagram showing an example of a hand stamp distribution system using the check card payment method of this invention, Fig. 2 (^) is a surface view showing an example of a check card used in this invention, and Fig. 2 (B) is its xx sectional view, the same figure (C) is its back view,
Fig. 3 is a diagram showing the magnetic properties of the magnetic material contained in the 8-code printing material, Fig. 4 is a professional configuration diagram showing the circuit system of the characteristic detection 'A7i, and Figs. 5 (A) - (D) is a timing chart showing an example of its operation, FIG. 6 is a schematic mechanical diagram showing an embodiment of a check card payment device using this invention, and FIG. FIG. 8 is a block diagram of a control system showing one embodiment of a card payment device, and FIG. 8 is a flowchart showing an example of the operation of the present invention. 1... Check card cash conversion device, 2.2A, 28.
20... Small UJ card, IO... Small J-F-card payment device, 11... OTM, +2... Cash payment device, 13... AT) I, 16... Characteristics Detection device, 20... Substrate, 21... Mask band, 22.
23... Barcode, 30... Check card drawer bag 21. 31... Small J, 'T-card insertion slot, 32.
... Keyboard, 33... Display device, 40... Automatic check card issuing device, 41... Mounting port for drawing device,
42...Display device, 43...Check card outlet,
101...Insertion port, 102.103,104゜1
05.108...Check card conveyance mechanism, 107...
・Gate switching device, 108A...Our check card storage section. 108B...Other store stamp r card storage section, 109...
Printer, 140...Detection device, 150...CPI
J, +51...ROM, 152...RAM
, 181...Magnetic detection "L stage, 163°184.
...Reading circuit, 165...Clock 2 pulse generation circuit, [70...Data input/output interface, 181...
... Read head, 182 ... Magnetic stripe data reading circuit, 183 ... Write head, 184 ... Write circuit. Applicant's agent Yu Yasugata No. 2 Illustration stone 3 Decoy 4 Illustration procedure amendment (method) August 30, 1985 1. Display of case 1985 Patent application No. 117896 26 Name of invention Check card payment Method 3: Relationship with the person making the amendment Patent applicant 35 (143) Shimoteno, Himeji City, Hyogo Prefecture Glory Industry Co., Ltd. 4 Agent No. 18-16 Nishi-Shinjuku-chome, Shinjuku-ku, Tokyo August 1985 The drawings originally attached to the application on May 7th will be amended as shown in the engraving and attached sheet (no changes to the contents).

Claims (5)

[Claims] (1) In the payment process of converting a drawn check card into cash at a financial institution, characteristic data unique to the check card is read to determine authenticity, and if the authenticity is true, a record is created on the check card. The customer data is read from the department, the balance of the account from which the read customer data is drawn is checked online, and if payment is possible, the payment is recorded in the recording department, and the check card is settled. Characteristic check card payment method. (2) The check card payment method according to claim 1, further comprising printing a message indicating that payment has been completed on the check card. (3) The check card payment method according to claim 1, wherein the data in the recording section is erased when the authenticity is false. (4) The check card payment method according to claim 3, wherein invalidity is printed on the check card. (5) The check card payment method according to claim 1, wherein an alarm is issued and check card payment is canceled if the verification indicates that payment is not possible.