JPS6214262A - Draft and check processing system - Google Patents

Abstract

PURPOSE:To process rapidly a draft and a check and to improve the reliability by assembling an MICR (magnetic ink character) reader, the MICR writer and the special drawing stamp, and using an amount corresponding table, which is prepared at receiving processing, when the payment processing is executed. CONSTITUTION:For the draft and the check suctioned from a hopper 1 to execute the receiving processing, MICR is read by an MICR (magnetic ink character) reader 6 and next, the image of the draft and the check is read. The amount is written at the amount corresponding table in the magnetic disk device, in accordance with the our bank draft (paid by our bank) or not, the removing stacker is discharged from a temporary holding part 21. The draft and the check shifted from the temporary holding part 21 to a storing part 20 are suctioned from the hopper 1 again to execute the payment processing, the amount read from the amount corresponding table is printed by an MICR writer 7, a special drawing mark is stamped by a special drawing stamp 8, and discharged to the storing part 20 classified into others' bank draft.

Description

Detailed Description of the Invention (Field of Industrial Application) The present invention relates to a method for processing bills and checks, and in particular, to processing bills and checks at counters of financial institutions such as banks. This paper relates to a method for processing bills and checks that mechanizes the processing of taking them out to other countries.

(Prior Art) This type of conventional bill/check processing system consists of a teller terminal equipped with a keyboard and a display for processing counter reception, and a counter terminal equipped with a keyboard and a display for handling business processing that occurs mainly within financial institutions. , an information processing system and an MIC in which a rear terminal that performs carry-out processing, store-wide processing, etc., and a center computer are connected.
It consists of auxiliary equipment such as R (magnetic ink character) printing stones and specific line marks, and the reception processing, special processing, and return processing as steps in processing bills and checks are carried out at the counter terminal as described above. This is accomplished by the individual movements and operations of the machine, rear terminal, and auxiliary equipment.

In other words, first, when a customer brings a bill or check to a financial institution's counter, the clerk at the counter selects the increase amount from the keyboard (for example, depositing a savings account) and then transfers the bill or check. A special lined seal is stamped on the paper to guarantee the amount and details (bills and checks issued by other stores) while checking the bill.

Then, at a set time, the bills and checks that have been accepted and processed as described above are gathered in one place at the hands of each staff member, and then manually sorted into categories to be taken to the clearing house. After sorting the bills and checks, manually enter the amount while looking at the bills and checks again, and print on the bills and checks using the MICR printing machine. Then, take a microfilm photo of both sides of the bills and checks for your records and exchange the bills. I'm taking it somewhere.

At the clearing house 2, the bills and checks brought in from the own store are offset with the bills and checks brought in from other stores, and the resulting debit information is brought back and debited and processed. However, if the withdrawal information is recorded on a magnetic tape, the withdrawal process is executed directly by the center computer, and if the withdrawal information is not recorded on a magnetic tape, it is transferred to the rear terminal. The withdrawal process is executed manually by key personnel.

(Problems to be Solved by the Invention) In such a conventional method, an amount correspondence table is not created at the time of reception processing, so key human labor for amount is required even at the time of special processing. The first problem is that since the numbers are not differentiated from other years, it is necessary to manually sort them when performing special identification processing, which increases the number of factors that cause MICR readers and specific line drawings to be stunned.

In addition, in order to prevent confusion due to separate terminals for reception processing and delivery processing, there is a second problem in that it is necessary to add aggregation processing to each reception processing and withdrawal processing.

Furthermore, the increased mental burden on staff caused by the possibility of confusion as mentioned above, and the deterioration of reliability resulting from double entry of amounts as mentioned above, were cited as the 32nd and 4th problems. It will be done.

(Means for Solving the Problems) The system of the present invention includes a counter terminal equipped with a keyboard and a display for performing counter reception processing, and a counter terminal equipped with a keyboard and display for processing mainly internal business processing, carry-out processing, and store-wide processing. etc., a rear terminal device, MICR reader, MICR writer, specific line drawing stamp,
A bill/check processing device equipped with an image reader, a hopper, a stacker, a keyboard, and an external storage device is connected to a center computer, and the bill/cheque is treated as a machine by the staff after being processed at the counter. First, the bill/check processing device set to the reception processing mode reads the bill/check, uses the external storage counter terminal, and the center computer for confirmation, center processing, and stacker handling, etc. The bill/cheque processing device that is set to take-out processing mode stores the notes and checks by hand and creates a table that corresponds to the amount of small bills and checks in the external storage device. , reads at least the MICR of bills and checks [small size], executes the withdrawal process using the amount correspondence table, and stores them in the stacker by type of other hand, and also, when processing the bills and checks at the counter, the bills and checks are collected by the clerk. If the item is treated as hand-held, the W sign is that the bill/check processing device and the rear terminal are used to carry out the removal process.

(Example) Next, an example of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a block diagram showing one embodiment of the present invention. In FIG. 1, this embodiment includes N teller terminals FTI, F'T2, . ....

FTN and each keyboard, Disgi 1 Noi.

and two rear terminals RTI with printers.

RT2, as shown in Figures 2 and 3, MICR reader, MICR writer, specific line stamp image reader, hopper, stacker, key)
> - A bill/check processing device (hereinafter referred to as the device) TEP equipped with a board and a magnetic disk device and a branch office minicomputer MCP are connected to a local area network L.
Connected via AN.

Further, a center combinator CEP is connected to the office mini-computer MCP through a communication line.

Each of the teller terminals FT1 to FTN is
In addition, the rear terminals RTI and RT2 are used at the financial institution to process internally generated business, etc. based on instructions from the teller. Both terminals have almost the same configuration, and the rear terminals RTI and I'
It is also possible to perform counter reception processing in LT2.

2 and 3 show an external view and a block diagram, respectively, of the device TEP in FIG. 1. FIG. Referring to FIG. 2, hopper 1. Storage section 202 immediate removal stacker 3. Reject stacker 4. and a keyboard 5 and a partial holding section 21
g and before opening/closing 22 are shown.

Further, referring to FIG. 3, together with the hopper 1, storage section 20, partial storage section 21, and reject stacker 4 shown in FIG.
, specific line stamp 8. and.

An image reader 9 is shown. Figure 3 shows hopper 1
The bills and checks set in the storage unit 20 are processed and
The drawing follows the flow up to storage in the eject stacker 4, and the keyboard for operating processing, the magnetic disk device for storing read data, and the control unit for controlling processing operations are omitted. has been done.

FIG. 4 shows a schematic procedure of reception processing and takeout processing according to this embodiment.

First, when a customer brings a bill or check to a financial institution's counter, the counter staff uses the counter terminals (FT1-F
TN) is used to perform counter reception processing (for example, depositing money into a customer's account) and then send the customer home. At this time, the clerk should either handle the counter processing of bills and checks as a machine, or Decide whether to treat it as an allowance. Handling is determined when the device TBP is malfunctioning, being used for removal processing, or being used by another staff member, and the counter processing at the time of reception is the same as the conventional method. Yes, the take-out process is performed by the device TEP and the rear terminal.

For bills O checks that are treated as machines, the reception process and removal process, as shown in the detailed flow in Figure 6 1, are carried out by the machine TB.
Executed by P. The clerk confirms that the system is in the reception processing mode, sets bills and checks in the hopper 1, inputs the clerk identification code using the keyboard 5, and then presses the start key. The reception processing operation will be described in detail below with reference to FIG.

Referring to FIG. 6, first, one bill/cheque set in hopper 1 is sucked into the device TEP, and the M
The MICR is read by the ICR and reader 6, and then the image of the bill/check is read by the image reader 9. The amount in the read image is recognized by the control unit 2, but the amount is so unclear that it cannot be seen and is ejected to the eject stacker 4.

Also, what is determined to be visible is the exchange number read by the control unit by the M i CIL reader 6.

Financial institution code: Branch code, account number, bill/check number, 2, and the amount of money ¥A from the recognition result (if it cannot be recognized, a code that can be used to determine that fact) is one entry in the amount correspondence table, which is stored on a magnetic disk drive. The work file inside is written in correspondence with the above image. This work file is assigned to each staff member,
E I) will be added in the order of increase.

The bills and checks whose amounts have been written in the work file are placed in the immediate withdrawal stacker 3 or the temporary holding section 21, depending on whether they are in the current year (meaning to be paid at our store) or not based on the read financial institution code and branch code. be discharged. The series of operations described above is repeated for all bills and checks set in the hopper 1. Thereafter, the current year's bills and checks discharged to the immediate removal stacker 3 are increased in order to undergo necessary processing (seal verification, etc.), and the bills and checks discharged to the reject stacker 4 are increased in order to be treated as hand-held. The released device TEP is also released to other tellers.

The storage unit 20 and the temporary holding unit 21 are designed to store bills and checks for each teller, and are locked at the unlocking/closing unit 22 until the time comes to carry out the removal process.
If you want to collect the bills and checks in the temporary holding section 21 for some reason, you can send a collection command from the teller terminal or release them to a collection box (not shown) by pressing the collection button on the device TEP. It is possible. As one of the operations for reception processing, the staff member will activate the service from the counter terminal at a timely manner.

If the device TEPIci6 has finished reading at least one bill or check.

The image and the above-mentioned Q correspondence table are successively outputted from the work file corresponding to the clerk (who has the clerk's identification code on the counter terminal) and transferred to the counter terminal, and a display indicating how far has been read is displayed. Save in memory. At the counter terminal, in the case of a thin card, the image, amount, and type of other hand (determined by the exchange number) are displayed on dip 1/i, so the staff can visually check these display contents to determine the The validity of the reading operation can be confirmed.If the recognition result of the amount is different or cannot be recognized while at the device TEP, corrections are made using the keyboard of the counter terminal.When the staff member completes the confirmation,
Send the amount along with the confirmation command to the device TEP, and send the amount to the device TE.
In response, P's control unit creates an amount correspondence table in memory that shows the correspondence between the bill/check (determined by the financial institution code, branch code, account number, and 2 bill/check numbers) and its amount. do.

Note that the counter terminal stores the number of tickets and amount for each type of ticket as the input content for the reception process. In the case of the current year, the image, amount, and MICR print contents are displayed on the display, and the current year's seal verification etc. stored in the immediate take-out stacker is activated from the counter terminal to the center computer C'BP. When this withdrawal transaction is successfully completed, the amount becomes the input content to the reception process at the counter terminal.

When all the bills and checks that have been read have been confirmed by starting reading and creating an amount correspondence table as described above, the clerk receives a notification to that effect from the counter terminal from the bill machine to the device TEP, and the machine The control unit of the TEP transfers the bills and checks stored in the temporary storage unit 21 to storage unit 20, and writes the amount correspondence table previously created in the memory to the fixed area of the magnetic disk as a work file. The staff member is released and the reception process for the staff member ends.

Referring to FIG. 4 again, after the reception process, the device TEP
It can be seen that the removal process is carried out by Transfer processing is the process necessary to transfer bills and checks issued by other stores to a clearinghouse, and the output is the amount of M.
It is essential that the ICR be printed and that it be sorted by type.

Based on the result of the reception process, the staff member first unlocks the bills and checks stored in the storage section 20 for each staff member, sets them in the take-out hopper 1, sets the take-out processing mode, and then enters the staff identification code. Press the input and start keys. Then, one of the bills/checks is sucked into @TEP and sent to M.
The MICR is read by the ICR reader 6. The control unit reads the corresponding amount from the amount correspondence table stored in the magnetic disk device using the financial institution code, branch code, account number, and 1 bill φ check number in this MICII as keys, and inhales it by the MICR writer 7. MICII is printed on bills and checks.

Next, the image reader 9 reads the images of both sides of the bill/cheque, and the control section performs compression and thinning processing on the images before writing them into the magnetic disk device. This means that
It is useful as a record of bills and checks after they are taken to a clearinghouse, and it replaces the conventional method of taking microfilm.

Subsequently, the specific line stamp 8 stamps a specific line stamp, and the control unit sorts and processes the bills and checks based on the exchange number in the MICR, and then discharges them to the storage unit 20. Then, the take-out process for one staff member is completed. Therefore, by repeating the above-described carrying out process for all staff members, all carrying out processes are completed.

Note that since no amount correspondence table has been created for bills and checks that are handled as cashiers, the amount is entered by looking at the bill or check itself using the rear terminal number.

Next, the take-home process will be explained with reference to FIG. 5, which shows a schematic procedure of the take-home process. Regardless of whether it is handled by a machine or by hand, if the withdrawal information brought back from a clearing house is on magnetic tape, it will be processed in the same way as in the conventional method.
The center computer CEP can process withdrawals all at once.

However, in local stores or areas where information processing in this type of business is lagging behind, withdrawal information is not recorded on magnetic tape. In such a case, 1,1iiT E
Set the P to take-home processing mode, have the MICR reader 6 read the MICR of the notes and checks you have taken home, and enter the amount manually from the rear terminal (because there are cases where the MICR is not printed), By sending these data to the center combination and data CEP, withdrawal processing can be performed with only a few manual operations.

In the embodiment described above, it is also possible to set the take-home processing mode, but it goes without saying that the present invention includes cases where the take-home processing mode is not set.

(Effects of the Invention) 17. According to the present invention, as explained above, the amount correspondence table created at the time of reception processing is used at the time of withdrawal processing, detailed classification is automatically performed, MICR reader, MICR writer, and.

By incorporating specific line stamps into the device, opportunities for manual operations are reduced, making it possible to speed up the processing of bills and checks. can be executed within the same device by switching modes, which reduces the mental burden on machine operators and improves processing reliability.

[Brief explanation of the drawing]

FIG. 1 shows an embodiment of the present invention, FIG. 2 shows an external view of a bill-check processing device according to the second embodiment, and FIG. 3 shows a block diagram of the bill-check processing device according to the second embodiment. 4
FIG. 5, and FIG. 6 are diagrams showing the operation of this embodiment. TEP・・・・・・- Bill/check processing equipment, FTI・F
T2. ~． FTN...Counter terminal, )tTl. RT2...Rear terminal, MCP...Sales office mini computer, CEP...Center computer, LAN...Local area network, 1...・Hopper, 20...Storage section, 21...Temporary storage section, 22...Open/close lock, 3...Immediate extraction stacker, 4...・・・
Reject stacker, 5...Keyboard, 6.
... MICR reader, 7... MICR writer,
8...--Specific line stamp, 9... Image reader. Fan 4 Figure JP-A-62-142G2 (8)

Claims (1)

[Scope of Claims] A counter terminal equipped with a keyboard and a display to perform counter reception processing; a rear terminal equipped with a keyboard and display and used to perform internally generated business processing, carry-out processing, and store-wide processing; and a MICR reader. , MICR writer, specific line stamp,
If a bill/check processing device equipped with an image reader, a hopper, a stacker, a keyboard, and an external storage device is connected to a center computer, and the bill/cheque is treated as a machine by the staff after being processed at the counter, , The bill/check processing device set to the reception processing mode reads the bill/check, and performs confirmation/center processing by the external storage device, the counter terminal, and the center computer, and the handling to the stacker.・By other hand, and for other hands, store by clerk and create a table corresponding to the amount of bills/checks categorized by other hands in the external storage device, and then process the bills/checks set to the carry-out processing mode. The device reads at least the MICR of the bills/checks of the other hand classification, performs a take-out process using the amount correspondence table, and stores the results in the stacker according to the other hand classification; The bill/check processing method is characterized in that when the bill/check is treated as a handout by the clerk, the bill/check processing device and the rear terminal are used to carry out the removal process.