JPS61276064A - Cash-paying method for check-card - Google Patents

Abstract

PURPOSE:To furnish instantaneous cashing service regardless of the organization that issued the 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 is issued. 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. If coincidence or a dissidence within the tolerance is detected, the card is judged to be true one. Accordingly the balance in the account the check-card was issued from is collated online with the central file. If the payment is acknowledged, the cash is paid at site. In such way, by collating online regardless of the organization that issued the check-card, whether or not the payment is valid is checked, and the cashing is executed on the site instantaneously, exactly, and safely.

Description

Detailed Description of the Invention (Technical Field of the Invention) The present invention relates to a check distribution system that stores predetermined data on check cards having a magnetic stripe and distributes the check cards. Regarding cash payment methods.

(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 a bank's perspective, this requires complicated administrative processing, and as the amount of checks in circulation increases, this has become a major bottleneck in streamlining bank operations.

Here, to briefly describe 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. When issuing a checkbook, the user's account number (including bank code and branch hood) should be written on each side's check, for example, MICR□Iagnet Ink Charac.
ter Ra+cogni-t 1on) 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 tR, all checks received in this manner are first photographed on microfilm, and then the face value is printed on these checks using an MICR encoder. Then, these checks are classified into those made to the own bank and those made to other banks.
(branch) to the designated clearing house in the area to which the branch belongs.
Checks from each bank are collected at the digital exchange, and these are sorted by tCR reader and sorter for each bank, and a list of loans and loans between each bank is created.The classified checks are sent to each bank. The person takes home his/her own portion and checks whether there is a balance in the account of the drawer of the check. This check is performed within a specified period (for example, 18 days after the exchange), and if the balance is insufficient within this period.

, the bank that accepted the check will be notified to that effect and procedures will be taken to prevent the check from being deposited into the account of the person who brought the check, and after the period specified above, the deposit will be automatically processed into the account of the person who brought the check. The balance between the banks is determined based on the above list of loans and loans, and the bank checks the balance of the check drawer's account through online inquiries, and if there is a balance, the check amount is handed over and the bearer's Deposit money into your account.

In this way, the conventional distribution process from check issuance to settlement requires not only complicated procedures including several steps of manual and mechanical processing, but also particularly when paying a check. If the financial institution that accepted the card is your own bank, you can turn it into cash on the spot, but in the case of a ticket from another bank, you cannot turn it into cash right away, but only after taking it to an exchange and exchanging it. The problem is that it requires a lot of time and manpower.

(Purpose of the Invention) This invention has been made based on the above points, and its purpose is to make it possible to authenticate check cards without human intervention as much as possible after a financial institution such as a bank accepts a check card. To provide a check card cash payment method that checks forgeries and deposit balances and allows check cards to be cashed on the spot regardless of the financial institution issuing the check card.

(Summary of the Invention) The present invention provides a cash payment method for cashing a drawn check card at a financial institution, by magnetically reading characteristic data unique to an L2 check card from a barcode band formed on the check card. Determine the authenticity of check cards,
The customer data is read from a recording section consisting of a magnetic stripe etc. formed on this check card, the deposit balance of the drawing account of this read customer data is checked online with the center file, and the settlement is recorded in the above recording section, This allows the check card to be converted into cash on the spot.

(Embodiment of the invention) Figure 1 shows a check card converting device W used in this invention.
11. Check card 2. Check card distribution by check card automatic transfer placement 30 and check card issuing wave M40,
This shows the general configuration of the tI monetization system, in which a check card issuing device 30 is provided to customers who have a current account at a designated financial institution, and checks can be sent to the service corner of the designated financial institution. 0 where automatic card issuing device 40 and check card cashing device 1 are installed
At the upper front of the issuing device ff140, there is provided a issuing device mounting opening 41 for inserting and attaching the issuing device 113G brought by the customer, and at the lower front, issued check cards are ejected all at once. Check card outlet 4 for
2 is provided. Furthermore, the mounting port 41 and the discharge port 42
A display device N43 for displaying input/output data, operation guidance, etc. is provided between the issuing device ai
A keyboard (not shown) for entering necessary data such as district data and date and time data for the district where the 40 is installed.
is provided. Here, the customer enters the desired number of check cards to be issued in advance using the keyboard 30 of the issuing device 30.
When the issuing device 3G is inserted into the insertion slot 41 of the issuing device 40, the issuing device! 40 reads the customer data stored in the issuing device 30 and checks it against the management data stored in the issuing device M40 to check whether or not check cards can be issued. Along with issuing this booklet! The date and time data of 130 is corrected and set to match the date and time data of this issuing device 40.

Here, the check card 2 issued by the automatic check card issuing wave 940 is as shown in FIGS. It has a paper leaf-like rectangular shape similar to widely used cash cards (quick cards, bank cards, etc.), and a magnetic stripe MS for writing and reading data is layered on a part of the back side. It is set up. The check card 2 is made of hard paper, for example, and a characteristic area CP is provided at a predetermined position on the front surface for reading the characteristics unique to each check card 2. Amount area MV for printing the amount
is provided. The characteristic data of the characteristic area CP of the check card 2 is as shown in Japanese Patent Application No. 511-281980, for example, as shown in Japanese Patent Application No. 511-281980. The first barcode 22 is printed as barcodes 22 and 23 (press stamp Ml), and the first barcode 22 is printed with a binary pattern that is different for each check card 2 during manufacture. For example, the ink containing the characteristic I) shown in FIG. Further, the second barcode 23 is marked (or layered) on the substrate 20 similarly to the first barcode 22, but has a higher (
or low) coercive force magnetic material (for example, the characteristics in Figure 3 ■
), and this second barcode 23 is printed (or layered) with ink containing 41, and is provided at a predetermined position in a binarized pattern common to all media.

The characteristic area CP on which the first barcode 22 and the second barcode 23 are printed is covered with a mask band 21 made of an opaque non-magnetic material, so that the user or a third party can wear a mask. The presence of barcodes 22 and 23 under the band 21 cannot be recognized. This mask band 2]
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 as a check card payment device glt as shown in FIGS. 6 and 7.
O characteristic detection device 1 IEI and check card automatic issuing wave W
40 and check card issuing device 30 (not shown), the block diagram of this characteristic detection device 1B shown in FIG. 4 and FIGS. 5(^) to (D)
This characteristic data reading operation will be explained with reference to the timing chart.

A check card payment device 10 with a check card 2A, which will be described later.
When the barcodes 22 and 23 enter the characteristic detection device 1B, the barcodes 22 and 23 are attached to the mask strip 21 by magnetizing means 6 (not shown).
The magnets are sequentially magnetized through the magnets. In this case, the barcode 22 is magnetized with the characteristics shown by I in FIG.
3 is magnetized with the characteristics shown in the figure, and the barcodes 22 and 23 have different coercive forces H. The barcodes 22 and 23 magnetized by the magnetizing means are transferred to the magnetic detection means 1 such as a magnetic head as the card 2A enters.
Detected at 61. That is, the magnetic detection means 181 detects the residual magnetism of the barcode 22, 23, amplifies it with the amplifier 182, and generates a magnetic flux due to the change in magnetic flux at the leading and trailing ends of the barcode as shown in FIG. 5(A). , and outputs a detection signal MD2 that falls. Then, the clock pulse generation circuit 185 detects the first bit of the barcode 22^ (time tl) and outputs a clock pulse CL as shown in FIG. 5(b). Reading circuit! The threshold level H1 of 83 is set to a high level as shown in FIG. 5(A), and the threshold level FTH of the reading circuit 1B4
2 is set to a low level. As a result, the reading circuit 183 detects the pulse of the detection signal 102 which is larger than the threshold TRI in synchronization with the glock pulse CL, and generates the bar code 22.23 as shown in FIG.
The information is read and output as 01. Also, in the reading circuit 184, the threshold? ) 12 is detected and output as C2 as shown in FIG. 5(C). In this case, barcodes 22 and 2
Due to the difference in the magnetic material contained in 3, barcode 23
The level of the detection symbol 802 corresponding to the barcode 22 is high, and the level of the detection signal MrJ2 corresponding to the barcode 22 is low. Therefore, the threshold THI of the reading circuit 1/3 is set higher than the pulse level of the barcode 22 and lower than the pulse level of the barcode 23,
If the threshold FT) 12 of the reading circuit 164 is set lower than the pulse level of the barcode 22, the reading circuit 163 will read the information of only the barcode 23, and the reading circuit 164 will read the information of the barcodes 1', 22 and 23. Can be read. Then, C of the check card payment device 10
A control unit 180 consisting of a PU 150 etc. is a reading circuit 1B4.
The information C2 of the barcodes 22 and 23 read by the magnetic stripe data reading circuit 181 is detected from the magnetic stripe MS (described later) through the read head 181! Compare the information of barcodes 22 and 23 output from 82,
A characteristic data signal AT is output on condition that the information of the barcode 23 is read by the reading circuit 183. Also,
Magnetic stripe data MW of bibliographic items read from the magnetic stripe MS, which will be described later, is also output. By outputting such a characteristic data signal AT from the control section 16G, it is determined that this card 2A is not forged or altered.

Here, even if the magnetic stripe MS is simply read and forged, the tampering can be identified because the barcodes 22 and 23 cannot be read; , the difference in coercive force between the barcodes 22 and 23 is not detected, so that tampering with the medium can be identified.

By the way, 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 barcodes are limited to the examples. In addition to the third
．． A fourth barcode may also be provided.

The characteristic data unique to the check card 2 formed and read as described above is issued before it is 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. Sometimes, the barcode strip formed on each check card 2 is magnetically read, and its characteristic data is recorded on the magnetic stripe MS. Further, the financial institution number such as the bank that issued the check card, its main/branch number, and the user's account number are also recorded on the magnetic stripe MS. Furthermore,
The magnetic stripe MS includes the check card exchange number, check number, amount, and receiving bank number recorded at the time of withdrawal.

An area is provided to record the issue date, etc. Of course,
The amount area MV of the unissued check card 2 is in a blank state with no printing. At the top of the front of the check card 2, there is also a name column O that displays the name of a financial institution such as a bank.
N. Date column T to be printed when issuing check car 12
2. A clearing house number field EX is provided to display the number of the clearing house, a store name field BR is to display the name of the main branch of the financial institution, and a serial number field ON is to display the serial number of the issue of the check card. Below the characteristic area CP, there is a recipient race RC that indicates whether the check will be paid to Ik (for example, the bearer) when issuing a check, a payee race NM that displays the address and name of the drawer, and a current account balance. An account number column NO is provided to display the account number of the account number. Furthermore, on the back of the check card 2, there is a caution column TC that displays precautions for handling the check card 2, and a caution column TC for later confirmation of the drawer (Identf-f1c).
At 1on), an entry column IN is provided in which the recipient can enter the name of the drawer, etc. In addition, these displays, entry fields, etc. on check card 2 are as follows:
They 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 through an insertion slot 31 provided on the front side of the check card dispensing device 30, it is taken into the interior by a conveyance mechanism, and necessary data is input using a keyboard 32 consisting of a numeric keypad and symbol keys. In this case, check withdrawal is confirmed while looking at the number m (amount) etc. displayed on the display device 33 provided above the keyboard 32, and when all input operations are completed, By operating the confirmation key, the withdrawal amount will be printed in the amount area MV and the amount will be printed on the magnetic stripe MS.

The issue date, check number, etc. based on the date and time data of the issuer 30 are scrambled and recorded, and the check card 2A with this data recorded is transferred to the check card issuer 3.
The check will be discharged from the discharge port 0 and handed over from the check drawer to the claimant (creditor). put it here,
The above-mentioned check number is automatically assigned a serial number each time a check is issued from the check card issuing device 30.

The user who receives the check card 2A issued in this way converts the check card into cash using the check card converting device 1 installed in a financial institution such as a bank, as will be described later. ! To convert into funds with 1,
An ATM (
Auto 8-tic Teer's Machine
e) Insert check card 2A into card slot 13,
You can automatically transfer money to your account online, cash it directly, or use a check card 2A at a financial institution counter.
+ Machine) 11, a counter clerk inserts the card into a special check card payment device 10, and deposits it into the bearer's account online, or transfers it to the cash payment device 12 at the counter.
It is now possible to convert it into cash. For these cash conversion processes, please call ATM13 or 07+111.
In order to deposit money or convert it into cash, the issue is whether there is a balance in the account of the check card drawer.

A'rM13 or 0f)Ill checks the balance of the check card drawer's drawer account against the center file online, and allows deposit or cash only if the amount is within the balance.

FIG. 6 shows a check card payment device 110 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, a check card 2A inserted through an insertion slot 101 is transported by a transport mechanism driven by a motor or the like! The check card 2 is transported to the storage units 108A and 108B at 02 to tOS, and each of the transport mechanisms 102 to 10B carries the check card 2 between a pair of upper and lower belt conveyors wound around a set of rollers.
It is designed to hold and convey A. 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 consisting of a light emitting/receiving element is provided in the middle of the transport mechanism 10B. It is determined whether the issuing financial institution of the check card 2A loaded therein is our store or another store, and the check card storage section 108A of our store or another store's check card storage section 1 is stored.
A gate switching device 107 is provided to switch the conveyance path in order to store check cards 28.2B and 28B separately.Furthermore, this gate switching device 107 is switched and detects the check cards 28.2C that have been conveyed separately. , a first discharge detection sensor 142 consisting of a light emitting/receiving element for detecting whether the liquid is stored in a predetermined position. Second discharge detection sensor! 4
3 is provided, and the sensors 141 to 143 detect the detection part 1.
40. Further, in the middle of the transport mechanism 102, there is provided, for example, a magnetizing means, a magnetic head, etc., for magnetically reading the characteristics specific to the check card 2A from the barcode band formed on the inserted check card 2A. The above-mentioned characteristic detection device 71B is provided, and this characteristic detection device tlB is disclosed in the above-mentioned patent application No. 59-28198.
Use the detection method shown in No. 0. And the transport mechanism 10
Check card 2A magnetic stripe MS in the middle of 3
Read head 1 for reading data written in
81, and a write head 183 is provided in the middle of the transport mechanism 104 for writing data processed by the control device onto the magnetic stripe MS of the check card 2A. The read head 181 connects to the magnetic stripe data reading circuit 182, and the write head 183 connects to the CPU 150 via a pass line 153 via a write circuit 184.
etc. are connected. Note that the read head 181 and the write head 183 may be magnetic heads for both reading and writing, and they may also be provided downstream of the printer 109. rPAIDJ indicating invalid or rVOIDJ indicating invalid
A printer 108 is provided to print the amount in the amount area MV, and the conveyance mechanism 105 is stopped when the printer IO9 prints.

On the other hand, in the block diagram of FIG. 7, a CPU (microcomputer, etc.) 150 performs overall control, a ROM 151 stores operating programs, and a RAM 152 stores information detected by the characteristic detection device 18. Characteristic data and data read by the magnetic stripe data reading circuit 182 via the read head 181 are stored, and the stored data is read out and processed when necessary. The data is sent from the data input/output interface 170 to OTM.
II or ATN13,
ROM151. RAM152 and ear tough x -
The bus 170 and the like are mutually connected to the CPU 150 via a pass line 153.

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.

If the check card recipient uses the check card payment device IG installed in a financial institution such as a bank or the check card payment device built in ATMI3 to convert the issued check card 2A into cash, the check card The recipient first inserts the drawn check card 2A into the insertion slot 101.
(step S1), the insertion detection sensor 141
detects the tip of the inserted check card 2A, and the CPU
The check card 2A is transported by driving the transport mechanisms 102 to 10B via the iso to take the check card 2A inside. During this transport, the check card 2A is detected by a characteristic detection device 18 provided in the middle of the transport mechanism 102. As mentioned above, the characteristics unique to the check card 2A are read (step S
2) The characteristic data is stored in the RAM 152, and is further recorded on the magnetic stripe MS via the read head 181 and the magnetic stripe data reading circuit 182 provided in the middle of the transport mechanism 103. Data such as account number and withdrawal amount are read (step S
3) The tip of the loaded check card 2A is connected to the printer I.
When connected to O3, the transfer machine 4Ii10 is transferred via the CPU 150.
Conveyance of 2 to 10B is stopped. And from banks etc. in advance! account number and the above read head 181
The above characteristics detection device determines whether the read account number matches or not! It is necessary to judge whether the characteristic data actually detected in step 6 matches the characteristic data detected in advance and recorded on the magnetic stripe MS before the check is handed over to the check drawer from the financial institution, etc., or whether it is within the permissible range. Step S
4) If the characteristic data does not match or fall within the allowable range, or if the account numbers do not match (step S5),
The above check card is determined to be a fake, and the data in the magnetic stripe MS of the check card 2A is erased by the write circuit 184 and write head 183 via the CPU 150 (
Step 523), the printer 109 prints the check card on the check card. ”Printing (step S24)
, @feeding mechanism! 02 to 10B are inverted and the check card 2A is ejected from the insertion slot (step 525), and the check card 2A is invalidated to complete the settlement of the check card 2A.

In step S5 above, if the account numbers match and the read characteristic data match or are within the allowable range, the scrambled data read via the GPU 150 is converted into a positive value in step 2. S8
), transmits this data to 0↑N11 or ATM 13 (step S7), and displays this data on the display device of the payment device IO (step S8), and checks the check card recorded on this check card 2A. Check the balance of the withdrawal account online with the center file via OTM II or ATM 13 (step S8), and if this balance is insufficient for the amount withdrawn with this check card 2A (step S10), the display device will display the balance. In step S22), a warning is issued by displaying or outputting a message to that effect, and the dishonoring process is performed to complete the settlement of this check card 2A.

In step 910, if payment is possible, if the check card recipient wants to cash it (step SO),
As mentioned above (by ATM13).

Or 0↑) 111, the cash payment device 112 pays cash immediately (step S12), and then, the write head 183 records acceptance on the magnetic stripe MS of the check card 2A via the CPt 1150. Then, in step S17), the printer 109 prints rPAIDJ on the check card.
18) Check whether the issuing financial institution of i-registered check card 2A is our store or another store (step S
19), respectively our check card storage section 108A
Or separately store it in the other store check card storage section 108B (step S2Q), and.

The balance data of the check card withdrawal account in the center file is updated (step S21), and the check card settlement is completed.

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 S13), enter the account number of this cash card in QT.
Read it to Mll or ATM13 (step Sta)
, If you do not own a cash card in the above step S13, enter the account number for depositing the money using the keyboard etc. (step S15), deposit the money into the designated account (step 518), and proceed as in steps 917 to S21 above. After processing the check card to indicate that the payment has been completed and storing the check card, the payment data is electronically transmitted to the center file, and the balance data of the above-mentioned check card drawer account in the center file is updated, and the check card payment method of the present invention is used. Finish checking card payments.

Note that the above balance data is updated (step S21).
, If the payment has been made to the specified account (step 51B), the check card is processed for payment (steps S17 to 520).
It may be done once before or during.

(Effects of the Invention) As described above, according to the check card cash payment method of the present invention, in the cashing process at a financial institution that accepts check cards, the barcode band formed on the check card can be detected from the barcode band unique to the check card. After automatically checking the authenticity of this check card by magnetically reading the characteristics of this check card, the balance of the drawing account recorded on this check card is checked online with the center file regardless of the issuing financial institution of this check card. This has the advantage of being able to check whether payment is possible and quickly, safely, and reliably cashing the check card on the spot.

[Brief explanation of drawings]

FIG. 1 is a block diagram showing an example of a check distribution system using the check card payment method of the present invention, FIG. 2 (A) is a front view showing an example of a check card used in the present invention, and FIG. Its xx sectional view, the same figure (G) is its back view,
Figure 3 is a diagram showing the magnetic properties of the magnetic material included in the printing material of the barcode, Figure 4 is a block diagram showing the circuit system of the characteristic detection device, and Figures 5 (A) to (D) are its Timing chart showing operation example, 6th v! J is a schematic mechanical diagram showing one embodiment of a check card payment device using this invention, FIG. 7 is a block diagram of a control system showing one embodiment of a check card payment device using this invention, and FIG. The figure is a flowchart showing an example of the operation of the present invention. 1... Check card cash conversion device, 2, 2^, 2B, 2
G... Check card, 1G... Check card payment device, 11... OTM, 12... Cash payment device, 13... ATN, 1B... Characteristic detection device, 2
0...Substrate, 21...Mask band, 22.23...
・Barcode, 30...Check card issuing device, 31
...Check card insertion slot, 32...Keyboard, 3
3...Display device, 40...Check card automatic issuing device, 41...Drawing device mounting port, 42...Display device, 43...Check card ejection port, 101...Insertion port, 102,103,104゜105.108...Check card conveyance mechanism, 107...Gate switching device,
108A...Our check card storage section, 108B...
・Other store check card storage section, 109...Printer, +
40-...detection device, 150-CPtl, 151
・2152...RAM in RO, 181...Magnetic detection means, 183, 184...Reading circuit, 185...
・Clock pulse generation circuit, 170...Data input/output interface, 181...Read head 5182・
. . . Magnetic stripe data reading circuit, 183 . . . Write head, 184 . . . Writing circuit. Applicant's agent Yu Angata Sansho 2 Figure 3 Figure 3 Figure 4 Figure 3 Modified fortune telling (Method) August 30, 1985 Patent Application No. 117899 of 1985 2 Title of invention Cash payment method using check card 3. Relationship with the person making the amendment Patent applicant: 35 Shimoteno, Himeji City, Hyogo Prefecture (143) Glory Industries Co., Ltd. 4, Agent 5, M. Date of order August 7, 1985 First written in the application The engravings and amendments to the drawings attached are as shown in the attached sheet (no changes to the contents).

Claims (3)

[Claims] (1) In a cash payment method in which a check card drawn at a financial institution is cashed, characteristic data unique to the check card is magnetically read from a barcode band formed on the check card to determine authenticity; reading customer data from a recording section formed on the check card; online checking the balance of the account from which the read customer data is drawn;
A cash payment method for a check card, characterized in that the payment is recorded in the recording section so that the check card can be immediately converted into cash on the spot. (2) The check card cash payment method according to claim 1, wherein a message indicating that the payment has been made is printed on the check card at the time of payment using the check card. (3) Cash payment using a check card according to claim 1 or 2, wherein the issuing financial institution of the check card is determined at the time of payment using the check card, and the check cards are stored separately. Method.