JPS63228290A - Automatic public funds processor - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

[Detailed description of the invention] [Approximate number] An automatic public funds processing device that automatically performs the combined processing of payment and payment without manual intervention by a person in charge at a public funds collection counter, and without intervening cash. It was designed to be carried out in

[Industrial Field of Application] The present invention relates to an automatic public funds processing device, and more particularly to a device that automatically performs a combined public funds collection process of payment and payment without the intervention of cash.

[Prior art] The methods of paying public funds such as gas, water, electricity, telephone charges, and various taxes are: (1) A method of automatically paying from the account of the payer who has paid 1Ft13Q to a financial institution (2) Payment can be broadly divided into two methods: direct payment by bringing cash along with the bill or payment slip to the financial institution's public funds collection counter.

[Problem to be Solved by the Invention 1] The former payment method is widely used because it is automatically processed at a financial institution, and there is no need for the payer to visit the financial institution for payment.

On the other hand, the latter payment method is also widely used for simultaneous payments where automatic payment methods are not preferred or for payments of public funds that cannot be paid automatically.

However, since the public money collection process at the public money collection counter of the Financial Compensation Bureau is done manually by the person in charge at the counter, the process takes a relatively long time. There are often long lines.

Furthermore, since the processing is done manually, there is a risk that mistakes may occur.

The present invention has been made in view of these points, and
It is an object of the present invention to provide an automatic public money processing device that automatically performs the collection process of public money without manual work or the intervention of cash.

Means for Solving Problem L] FIG. 1 is a block diagram of the principle of the automatic public money processing apparatus of the present invention. In the figure, reference numeral 1 denotes an account number input section for inputting a deposit account number opened at a financial institution into the control section 2. Reference numeral 3 denotes an optical reading section that optically reads payment data written on a public money payment slip (not shown), and the read payment data is taken into the control section 2. The control unit 2 performs payment processing for the amount of payment read by the optical reading unit 3 from the account with the predetermined account number input by the account number input unit 1. Reference numeral 4 denotes a communication processing section, which is connected to the control section 2 and exchanges data with a host computer (not shown) in order to update the ledger associated with the payment process.

[Operation] When the account number entered in the account number input section 1 and the payment amount read by the optical reading section 3 are aligned, the control section 2 reads the input amount from the account with the input account number according to the payment amount. In order to execute payment processing, data is exchanged with the host computer via the communication processing unit 4. The payment process is completed by updating the ledger accompanying the payment process in the host computer, and the amount paid from the designated account for the transaction is directly applied to the deposit of public funds.

[Example] Hereinafter, an example of the present invention will be described in detail with reference to the drawings.

FIG. 2 is a block diagram showing an embodiment of the present invention, and the same components as in FIG. 1 are denoted by the same reference numerals. In the figure, reference numeral 5 denotes a receipt issuing section which issues a receipt according to the payment amount processed by the host computer, and is controlled by the control section 2. Reference numeral 6 denotes a display operation section provided with a display section for displaying and transmitting operating procedures and various information to the payer, and a plurality of operation keys. As such a display operation section 6, a CRT or the like in which a display section and a keyboard are provided independently of each other may be used, or a CRT in which a touch panel formed of transparent electrodes is provided on the surface of the CRT. may also be used. Reference numeral 7 denotes a passbook printing section for writing transaction details in the passbook.

11 is a card reader for reading an account number from a cash card such as a magnetic card, and 12 is a passbook magnetic stripe reader for reading an account number from a magnetic stripe of a bankbook.

FIG. 3 is a flowchart showing an outline of the operation flow of the apparatus configured as described above.

First, the payer presses an operation key on the display operation section 6 to select the public funds collection processing mode (■). As a result, the display section is instructed to insert the cash card and passbook, and the payer also inserts the cash card and, if necessary, the passbook into the account number input section 1 (■). The account number input unit 1 reads the account number data and password from these cash cards and passbooks (■). Thereafter, the password is input using the operation keys according to the instructions on the display (■).

In this way, the PIN number read by the device and the PIN entered from the operation keys are compared (■), and if they match, the insertion of the public payment layer is instructed (■), and if they do not match, Processing will be interrupted (■). For example, a slip or a booklet is inserted as the public money payment notice. The optical reading unit 3 reads payment data such as the payment amount and payment groove number written on the public payment slip (■). When the reading operation of the payment data is completed, the control section 2 performs data communication with the post computer via the communication processing section 4 (■).

The host computer checks the balance of the account with the account number and the payment amount (0). Then, if the account balance is equal to the payment amount, the process is interrupted (■), and if the account balance≧the payment amount, the process of paying the payment amount from the account balance is executed and the ledger is updated (0).

If a passbook is inserted, enter the details of the transaction in the passbook (■). When the payment is completed in this way, the payment of public funds is also completed at the same time, so the receipt issuing department 5
issues a receipt and payment statement to the payer (■). In addition, the receipt may be separably integrated into a part of the public payment slip, or may be bound as a single page in the form of a booklet. It may be a receipt. If it is separably integrated into a single public payment slip,
The receipt with the receipt stamp recorded is returned to the payer, and the payment notice is stored in an internal stacker.

In the case of one page bound as a booklet,
The corresponding payment slip page is separated from the booklet and stored in an internal stacker, a receipt stamp is recorded at a prescribed position on the receipt page n of the remaining booklet, and the payment slip is returned to the payer. Further, when a receipt is issued instead of a receipt, a receipt stamp recording means and a receipt return means are not required, and the apparatus can be simplified. In this way, after issuing a receipt, receipt, and payment details, the cash card and passbook are returned, and the series of public money payment processing is completed (@).

With this configuration, since cash is not involved, the device can be made smaller and less expensive. The taxpayer must then use the automated teller machine (
You can perform public money payment processing with a relatively simple operation similar to that of ATMs.

[Effects of the Invention] As explained in detail above, according to the present invention, the public money collection process, which was conventionally performed manually by a person in charge at the public money collection counter of a financial institution, can be automatically performed without using cash. Automatic processing of public funds that can reduce processing time and prevent work errors! I! equipment can be provided.

[Brief explanation of the drawing]

Fig. 1 is a principle block diagram of the automatic public funds processing device of the present invention, Fig. 2 is a configuration block diagram showing an embodiment of the present invention, and Fig. 3 is a flowchart showing the flow of operation of the device according to the present invention. . In FIGS. 1 and 2, 1 is an account number input section, 2 is a dovetail part, 3 is an optical reader, and 4 is a communication processing section.

Claims (1)

[Scope of Claims] An account number input section (1) for inputting a deposit account number; an optical reading section (3) for optically reading the payment amount written on a public payment slip; and the account number input section (1). ) A control unit (2) that processes the payment for the payment amount read by the optical reading unit (3) from the account with the predetermined account number input in communication processing unit (4) that exchanges data with the host computer for
) A public money automatic processing device characterized by being provided with