KR100551393B1 - Check inquiry and auto endorsement apparatus and control method thereof - Google Patents

Abstract

     The present invention mechanically automates the identification and endorsement required for check payment at a retailer to prevent cheating on checks in advance, as well as to enable quick and accurate checkout procedures to enable safer check and automatic endorsement devices. The control method is related.

     The present invention for this purpose, the control unit 10 has a check processing unit 13, a card processing unit 11 for reading information recorded on the magnetic strip of the card, a display unit 12 for displaying the check information related to the check inquiry, the operation unit 16 And the communication unit 16 are connected to each other, the check processing unit 13 is composed of the OCR character reading unit 14 of the check and the character factor unit 15 which is a printer to print the check, the operation unit 16 ) Is composed of numeric keys (17) for inputting numbers and passwords of 0-9 and operation keys (18) for command keys such as confirmation, cancellation and inquiry, and communication unit for connecting via modem or LAN. ) Is connected to the inquiry server 20 with the check inquiry unit 21 and the card inquiry unit 22 is characterized in that the communication is made possible.

     Check inquiry and automatic endorsement device

Description

     Check inquiry and automatic endorsement device and its control method {CHECK INQUIRY AND AUTO ENDORSEMENT APPARATUS AND CONTROL METHOD THEREOF}

     1 is a block diagram showing a check and automatic endorsement apparatus according to an embodiment of the present invention,

     2 is an operation flowchart for explaining the check and automatic endorsement device of the present invention,

     3 is a flowchart illustrating a conventional check payment method.

     * Explanation of symbols for the main parts of the drawings

     10 control unit 11: card processing unit

     12 display unit 13 check processing unit

     16: operation unit 19: communication unit

     20: inquiry server

     The present invention mechanically automates identification and endorsement required for check payment at a retailer to prevent fraudulent checks in advance, as well as to enable quick and accurate checkout procedures. And a control method thereof.

    In practice, a check recognizer using a character recognition method uses a method of recognizing a magnetic ink character recognition (MICR) character in a recognizer and reading the result through a computer interface such as RS-232C. However, in order to process the data of the recognition device, a separate computer for connecting with the above recognizer is used in institutions such as a business operator or a bank.

    In particular, when using checks or securities, the means for inquiring checks in the field by general customers can be entered by checking the check information such as the check number directly with the number key and connecting to the check information retrieval server through the telephone network, or by checking the check issuing bank. Or check the check inquiry by dialing the check inquiry automatic response service server. However, the inquiry by phone call with the bank cannot be inquired without the person in charge of the bank, and in the case of using the automatic answering service, it is very cumbersome and time-consuming since it has to be operated by the automatic voice prompt. Many.

    As such, it is possible to receive a check for a default or stolen check due to the difficulty of checking a check in a general account. On the contrary, a check cannot be used because the check cannot be confirmed. That is, a check payment method in a convenience store or a store is generally illustrated in FIG. 3.

    After the selection of the product, the counter will enter the name, social security number and telephone number as a check end instead of cash. At this time, the resident registration card will be presented, and the clerk will make an inquiry or call through a separate check inquiry machine. And, for identification, check whether the same person is observed by the clerk's observation. In accordance with the identification, payment or rejection is made. Here, when the payment is declined, the report is not usually made.

    On the other hand, as a pure online check inquiry machine, Korean Patent Application No. 1998-45835 (Check Inquiry Terminal) recognizes check information such as check number, issuing bank code, branch code, and amount code, and checks the check search service server through a communication network for fraudulent check. Techniques are available to help you determine whether you are checking.

    The check inquiry terminal is a check number recognition means for scanning a check number written on a check and a check number for reading a check number, and receiving a check number and checking it through a bank information network to provide a check inquiry service. A control means for requesting an inquiry about the check number read by the user and displaying the control result on the inquiry result, connected to the check inquiry service server through a communication network for check inquiry under the control of the control means, and the server Communication means for transmitting and receiving data to and from the control means, display means for displaying an operation state and an inquiry result under control of the control means, and an operation means including an inquiry button for starting check scanning and inquiry. Only checks are available for check.

    Therefore, there is a disadvantage in that the credibility of identity verification due to the social security number and the vision used for endorsement of checks is basically low.

The present invention is invented to solve the problems of the conventional check payment method as described above, the check processing unit, the card processing unit, the display unit, the operation unit and the communication unit is configured to connect to each of the identity check and endorsement required for check payment Its purpose is to provide a check inquiry and automatic endorsement device and a control method that can prevent fraudulent transactions of checks in advance by automating the check, and enable the user to quickly and accurately use the payment process.

     The present invention for achieving the above object, the control unit 10 has a check processing unit 13, a card processing unit 11 for reading information recorded on the magnetic strip of the card, a display unit for displaying the check information and endorsement related progress information ( 12), the operation unit 16 and the communication unit 16 are configured to be connected to each other, so that the check processing unit 13 prints the OCR (Optical Character Reader) character reading unit 14 and the check printed on the check. Character character unit 15, and the operation unit 16 is composed of a numeric key 17 for inputting a number of 0-9 and a password and an operation key 18 for command keys such as confirmation, cancellation, and inquiry. The communication unit 19 which connects to an external device through a modem or a LAN is characterized in that the communication unit 19 is connected to the inquiry server 20 having the check inquiry unit 21 and the card inquiry unit 22 to enable mutual communication. do.

     Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

     1 is a block diagram showing a check inquiry and automatic endorsement apparatus according to an embodiment of the present invention, the present invention mechanically automates the identification and endorsement required for check payment at the retailer in advance to prevent illegal transactions of the check In addition to preventing, payment procedures are quick, accurate and simple to use safely.

     According to the present invention, the control unit 10 includes a check processing unit 13, a card processing unit 11 for reading information recorded on a magnetic strip of a card, a display unit 12 for displaying check inquiry and endorsement related information, and an operation unit 16. And the communication unit 16 is configured to connect to each other. The check processing unit 13 includes an OCR character reading unit 14 of a check and a character factor unit 15 which is a printer for printing a check. 16) is composed of a numeric key 17 for inputting a number 0-9 and a password and an operation key 18 which is a command key for confirming, canceling, and inquiring.

     In addition, the communication unit 19 for connecting through a communication interface such as a modem or a LAN is connected to the inquiry server 20 having the check inquiry unit 21 and the card inquiry unit 22 to communicate with each other. That is, after inserting a check into the check inquiry and automatic endorsement apparatus of the present invention, when the payer inserts a bank card or credit card in use, the checker communicates with the inquiry server 20 to perform a predetermined function.

     The control unit 10 connects to the inquiry server 20 which is a financial server online through the communication unit 19 and then inquires the check number by the OCR character reader 14 of the check processing unit 13 and checks the check number with the inquiry server 20. Check the communication to see if it is an accident check. Similarly, the password of the card is input to the pin pad to check whether the accident card through communication with the inquiry server 20. This is to give authentication information by card information. As described above, if both the check and the card pass the confirmation, the transaction authentication number is received. The character factor unit 15 prints the transaction authentication number or other identification data as received data on the check. The check is discharged to end the normal transaction.

     FIG. 2 is an operation flowchart for explaining the check inquiry and automatic endorsement apparatus of the present invention. The check inquiry operation is started by pressing an inquiry key among the operation keys 18 of the operation unit 16 shown in FIG. On the other hand, it is apparent to those skilled in the art that if a check is detected in the OCR character reading unit 14 of the check processing unit 13 without a separate selection, the check operation can be performed by the control unit 10 without a key operation.

     The control unit 10 obtains the check information to be traded by reading the inputted check and reading the OCR character. The check inquiry is requested to the inquiry server 20 through the communication unit 19. In this case, the check inquiry as described above and the card inquiry through the card processing unit 11 may be performed together. The controller 10 is notified of a transaction or a transaction impossibility from the inquiry server 20.

     The next processing that can be failed when the inquiry fails is discharged or printed out by the letter print part 15 on the check as a check that is not available, or when the check inquiry and the card inquiry are made together, the check can be notified to the bank and stolen. In the case of a check, the investigator may be automatically notified.

     If the inquiry is successful, the control unit 10 displays a card to be authenticated on the display unit 12 so that when the card is inserted by the user, the card information is read out, and then a password is input to the display unit 12. Display the card information to be authenticated by receiving the password inputted by the user's numeric key 17 operation. Subsequently, the inquiry server 20 requests a card inquiry. At this time, as described above, the check can also proceed with the card inquiry through the card processing unit (11).

     If the card inquiry is successful, the control unit 10 receives the approval information from the inquiry server 20.

     In this way, when the inquiry of the check and the card is successful, the inquiry server 20, which is a higher station, transmits the approval information to the inquiry endorsement. Accordingly, the control unit 10 prints the approval information on the check, discharges it, and ends. The approval information factor is endorsement, that is, prints the approval information received from the inquiry server 20 through the communication unit 19 on the check by the controller 10 to the character factor unit 15.

     According to the present invention operated as described above, the bank account or the credit card guarantees the check by simultaneously checking the bank card or the credit card together with the check, and the check becomes the accident check after the check and the card check are successful. Even if it is guaranteed by the card information, the distributor does not lose any money (the card certified as the same is responsible for the inquiry).

     In addition, after receiving a check and a card inquiry received authentication information from the upper station to print on the check in place of the endorsement, the authentication information may be a social security number or may be encrypted information. The authentication information can be backed up to the inquiry server 20 or a separate server to prepare for an accident later.

     In the case of counterfeit checks or default checks, the check can be marked as unusable. If a check is made with the card information, the check can be stored in the card account information. In other words, you can notify the bank.

     As described above, according to the present invention, the customer can write down the resident registration number when checking the check and reduce the troublesome work of comparing the photo of the resident registration card with the face of the customer, and also prevents accidents caused by the use of the fake ID card. There is an advantage in preventing accident check transactions.                     

     Although the technical concept of the check inquiry and the automatic endorsement apparatus of the present invention has been described based on the exemplary drawings, the present invention has been described by way of example and is not intended to limit the claims of the present invention. It will be apparent to those skilled in the art that various modifications and imitations can be made without departing from the scope of the technical idea of the present invention.

Claims (3)

     The control unit 10 includes a check processing unit 13, a card processing unit 11 for reading information recorded on the magnetic strip of the card, a display unit 12 for displaying check inquiry and endorsement related information, an operation unit 16 and a communication unit ( 16 is connected to each other, the check processing unit 13 is composed of the OCR character reading unit 14 of the check and the character factor unit 15 which is a printer to print the check, the operation unit 16 is 0-. It consists of a numeric key (17) for inputting the number and password of 9 and an operation key (18), which is a command key for checking, canceling, and inquiring, and checks the check in the communication unit 19 for connecting to an external device through a modem or a LAN. Check inquiry and automatic endorsement device, characterized in that the communication unit 21 is connected to the inquiry server 20 having the section 21 and the card inquiry section 22 to enable mutual communication.      When the inquiry key is pressed in the operation key 18 of the operation unit 16, if the check is detected in the OCR reader 14 of the check processing unit 13, the inquiry operation is started by the control unit 10. ; Obtaining check information through check suction and OCR reading and requesting a check inquiry to the inquiry server 20 through the communication unit 19; When the inquiry is successful, the card insertion is displayed on the display unit 12 through the control unit 10, the card information to be inserted into the card processing unit 11 is read out, a password input is displayed on the display unit 12, and the numeric keys 17 Obtaining card information to be authenticated by receiving a password through; Request the card inquiry to the inquiry server 20, and when the card inquiry is successful, the controller 10 receives the approval information from the inquiry server 20, prints the approval information to the check, and then discharges and ends Check inquiry and control method of automatic endorsement device.      The method of claim 2,      The check information factor is a check inquiry and automatic, characterized in that to print the endorsement information received from the inquiry server 20 through the communication unit 19 by endorsement to the character factor unit 15 on the check by the control unit 10 Control method of endorsement device.

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