KR100618552B1 - The check counter and auto depositor for simultaneous processing plural checks and the method thereof - Google Patents

Abstract

The present invention relates to a check and withdrawal processing apparatus and method capable of batch processing a plurality of checks, the conventional check and withdrawal processing apparatus has to insert a check one by one when the check is received, the customer's repetitive operation is required, the maximum handleable in one transaction The number of sheets is less than customer and user requirements, and the number of checks that can be placed in the withdrawal stack is 300 sheets. It requires frequent replenishment, and it has to go through the same route several times. It is not only difficult for customers to receive a batch of cash because the checks in chapters are pulled together, and when the customer cannot receive all the checks during the transaction, the number and the number of collected checks are not known. There was this. Therefore, the present invention receives a plurality of checks collectively into the first space of the hospitality part, transfers them to the second space, and processes the MICR data reading and printer parameters in the transfer process while linearly transferring the checks through the check transfer member to a single deposit deposit unit. A depositing step; The process of performing printer printing and MICR data reading during the transfer while linearly transferring a sheet of check into the second space of the customer service part is repeated as many as the number of checks to be withdrawn and then enters the second space of the customer service part. A plurality of checks are collected and transferred to the first space of the customer service section, and the withdrawal step is provided to the customer, so that multiple checks can be withdrawn and collected, and the capacity of the customer service, the date and time collection section and the withdrawal stack can be increased and handled. Increasing the maximum number of copies and checking checks at the time of withdrawal and withdrawal, so that you can not only check the customer's unsatisfied checks, but also improve the processing speed, reduce the size of the product by reducing the travel route, and provide convenience for customers and users. There is an effect that can be planned.

Description

Check and withdrawal processing apparatus and method for batch processing of multiple checks {THE CHECK COUNTER AND AUTO DEPOSITOR FOR SIMULTANEOUS PROCESSING PLURAL CHECKS AND THE METHOD THEREOF}

1 is a side view of a conventional check and withdrawal processing apparatus.

2 is a flow chart of a conventional check deposit and withdrawal processing apparatus.

3 is a withdrawal flow chart of a conventional check deposit and withdrawal processing apparatus.

Figure 4 is a side view of one embodiment of the present invention.

5 is a deposit flow chart of the present invention.

Figure 6 is a withdrawal flow chart of the present invention.

*** Explanation of symbols for main parts of drawing ***

10: customer 20: MICR

30: printer portion 40: deposit date and time accumulation portion

50: deposit stack 60: withdrawal stack

The present invention relates to a check and withdrawal processing apparatus and method capable of batch processing of a plurality of checks, and in particular, to improve the number and speed of the processing of deposits and withdrawals, while making it possible to process multiple checks at the time of check deposits, The present invention relates to a check and withdrawal processing apparatus and method capable of batch processing of a plurality of checks, which are suitable to facilitate the convenience of customers and users.

1 is a side view of a conventional check deposit and withdrawal processing apparatus, each serving portion 1 having an insertion opening for receiving checks one by one and a discharge opening for discharging several checks, respectively; A temporary accumulation part 2 connected to the reception part 1 and a check transfer belt and temporarily storing a check to be withdrawn and withdrawn; A MICR unit 3 connected to the temporary collecting unit 2 and a check transfer belt and reading MICR data of each check to be withdrawn and withdrawn; A printer unit (4) connected to the MICR unit (3) and a check transfer belt, which prints endorsements or dates on each deposit and withdrawal check; A deposit stack unit 5 connected to the temporary accumulator 2 and a belt for transferring a check and accumulating the temporarily stored checks of the temporary accumulator 2 or collecting residual checks on a path in the event of a device error; The printer unit 4 is connected to the check transfer belt and comprises a withdrawal stack 6 for discharging the check loaded by the user.

Referring to the conventional check deposit and withdrawal processing device showing the configuration in detail as follows.

The customer 1 is provided with an insertion hole and a discharge port, respectively, so that customers can deposit and withdraw money. The insertion hole is used when a customer deposits a check, and the shutter is automatically opened and closed during a transaction. It is designed to receive one by one vertically with the printed text for the Magnetic Ink Character Reader (MICR) up. The ejector also has an automatic closing shutter. Is to draw a check that contains several sheets of paper on some protruding outlets.

The temporary accumulation unit 2 is directly connected to the reception unit 1 and the check transfer belt, directly connected to the deposit stack unit 5 and the check transfer belt, the withdrawal stack unit 6 and the MICR unit 3 and the printer. It is connected via the part (4).

The temporary accumulation unit 2 temporarily stores a check to be deposited and withdrawn. Once the check is deposited, the MICR data is read by the MICR unit 3 and the information is transferred to a micro controller unit (MCU). Endorsed by the printer unit 4 and then temporarily stored in the temporary accumulator 2, the withdrawal check reads the information from the MICR unit 3 and, if normal, is sent back to the printer unit 4 to print the date. It is transferred to the temporary accumulation unit 2 and temporarily stored.

The deposit stack 5 stores the check temporarily stored in the temporary accumulation unit 2 when the deposited check is normal, and collects the checks on the respective paths in the event of a failure.

The withdrawal stack 6 is a place where the user holds a check for withdrawal, and the physical position is located below the deposit stack 5 so that the check is pushed sideways by pushing the check into the withdrawal stack 6. do.

Referring to the features of the conventional check deposit and withdrawal processing device having the above characteristics, when depositing multiple checks, the customer should insert one by one repeatedly, and the checks deposited as described in the above structure are temporarily collected (2). After the processing is performed by the MICR unit 3 and the printer unit 4 and stored in the temporary integration unit 2 via the MICR unit 3 again, the processing time becomes long.

In addition, the maximum number of guarantees that can be traded at one time is 7 sheets on the basis of distribution rights, and the maximum number of guarantees that can be held in the withdrawal stack 6 is 300.

Referring to Figures 2 and 3 the operation of the conventional check deposit and withdrawal processing device configured as described above are as follows.

2 is a flow chart of a conventional check deposit and withdrawal processing apparatus. As shown in the drawing, when a customer inserts a check, the MICR unit 3 reads the MICR data of the check and transmits it to the MCU to store the information. If the check is normal, it is endorsed by the printer unit 4, and then transferred to the temporary accumulation unit 2 for temporary storage.

Then, if there are more checks to deposit, repeat the process according to the checks to be deposited and then transfer the details of the deposit to the host of the bank and wait for the deposit.

Then, when the deposit is established, the check of the temporary accumulation unit 2 is stored in the deposit stack 5, and when the deposit is not established, the check of the temporary accumulation unit 2 is discharged from the reception unit 1. Release through a batch.

3 is a withdrawal flow chart of a conventional check deposit and withdrawal processing apparatus. As shown in the drawing, a check is taken from the withdrawal stack unit 6, the MICR unit 3 transmits the MICR data of the check to the MCU, and is temporarily accumulated after the date printing. Transfer to section (2) to temporarily store.

Then, the process is repeated according to the number of checks to be withdrawn, and the checks temporarily stored in the temporary collection unit 2 are collectively discharged through the discharge port of the hospitality unit 1.

The conventional check and withdrawal processing device as described above requires the customer to repeat checks one by one during check receipt, and requires the customer to repeat the operation. The maximum number of sheets that can be handled in a transaction is 7 sheets, which is smaller than the requirements of the customer and user. 300 checks that can be loaded in the bank require frequent replenishment, and because they have to go through the same route several times, the processing speed is slow and when multiple withdrawal checks are drawn together at the exit, it is difficult for customers to collect them. In addition, if the customer does not receive all the checks during the transaction, there is a problem of being disputed because it is impossible to know the volume and number of collected checks.

The present invention was devised to solve the above-mentioned conventional problems, and an object of the present invention is to enable the deposit and withdrawal of a large number of checks, increase the maximum number of sheets that can be handled, and to accurately calculate a customer's unchecked checks. The present invention provides a check and withdrawal processing apparatus and method capable of batch processing of a plurality of checks that can facilitate the convenience of customers and users by reducing the movement route.

A check deposit and withdrawal processing apparatus capable of batch processing a plurality of checks to achieve the object of the present invention as described above is a temporary storage for sending and receiving a check and withdrawal space and the check and release a single check or withdraw and withdraw a check. A serving portion including a space; A check transfer member extending straight from the reception portion to transfer the check; A deposit temporary accumulator configured to correspond to the check transfer member and the deposit and withdrawal position; A MICR unit configured to read the MICR data of the check being transferred and arranged between the serving unit and the deposit temporary accumulator, and a printer unit for printing information to the check being transferred; A deposit stack unit located at the lower portion of the deposit temporary collection unit, accumulating checks temporarily stored in the deposit temporary collection unit, and storing the checks when the checks on the route are collected; The check transfer member and the withdrawal position corresponding to the withdrawal stacking unit is disposed on the back of the temporary deposit accumulation unit, characterized in that it comprises a withdrawal stack for storing and releasing the check for withdrawal.

In addition, the check deposit and withdrawal processing method capable of batch processing of multiple checks of the present invention receives a plurality of checks collectively put into the first space of the hospitality portion, transfers them to the second space, and transfers them straight to the temporary depositing portion of the deposit through a check transfer member. A depositing step of processing MICR data reading and printer printing in the transfer process; The process of performing printer printing and MICR data reading during the transfer while linearly transferring a sheet of check into the second space of the customer service part is repeated as many as the number of checks to be withdrawn and then enters the second space of the customer service part. After moving the plurality of checks collected into the first space of the customer service, characterized in that the withdrawal step of providing to the customer.

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

Figure 4 is an embodiment of the present invention, and the hospitality portion 10 divided into two compartments (A, B) as shown; A MICR unit 20 connected to the reception unit 10 and a check transfer belt and reading the MICR data of the check; A printer unit 30 connected to the MICR unit 20 and a check transfer belt, for printing endorsements and dates of checks; A payment temporary accumulation part 40 connected to the printer part 30 and a check transfer belt and temporarily storing a check to be deposited; A deposit stack unit 50 located at a lower portion of the deposit temporary accumulation unit 40 to collect checks stored in the deposit temporary accumulation unit 40 and to collect and collect the checks remaining on the path; It is located at the back of the deposit temporary accumulation unit 40 and keeps a check for withdrawal, and the withdrawal position is composed of a withdrawal stack unit 60 in line with the deposit and withdrawal position of the deposit temporary collection unit 40.

The customer 10 is divided into two columns A and B. When receiving a deposit from a customer, the customer B is collectively received in the B space, and the A space is processed one by one into the B space and judged as a bad check by MICR data. It is a place for discharging checks, and in case of withdrawal and withdrawal, collect checks withdrawn in column B.

The customer 10 should be large enough to accommodate a check amount larger than the maximum number of deposits and withdrawals.

The deposit temporary collection unit 40 has a structure that is directly connected to the customer service unit 10 and the check transfer belt via the MICR unit 20 and the printer unit 30, and temporarily stores the check is deposited, once the check is deposited Read the data from the MICR unit 20 and transfer the information to the MCU, endorsed by the printer unit 30 and then check whether the MICR data is normal, if it is normal, temporarily stored in the deposit date and time integration unit 40, the normal Or by transporting to the A space of the hospitality section 10 to move the shortest distance.

In addition, when the deposit is canceled, the check stored in the deposit date and time accumulation unit 40 is transferred to the B space of the hospitality unit 10, and the check is inspected through the MICR unit 20, and the check that the customer does not receive is If it occurs, it is recovered through the MICR unit 20 while recovering it from the deposit stack unit 50.

When the deposit check is normal, the deposit stack unit 50 stores the check temporarily stored in the deposit temporary collection unit 40, and processes a check on each path in the event of a failure.

The withdrawal stack unit 60 has a C portion and a D portion. When the user holds a check for withdrawal, the D portion moves to the bottom, and the check stack is placed in the space between the C and the D. Close the door of (60), the D portion is raised to the top of the check is in close contact with the upper end of the withdrawal stack portion 60, withdrawal is made from the upper portion of the check when the withdrawal check at this portion of the hospitality portion 10 It is transported straight into B space.

At this time, the Jangjin of the check is charged from the top to the bottom by filling the check withdrawal stack 60 is possible to Jangup 700-1000 sheets.

Referring to Figures 5 and 6 the operation of one embodiment of the present invention configured as described above is as follows.

5 is a flow chart of the present invention, as shown in order to deposit the customer to open the shutter of the hospitality unit 10, after receiving a plurality of checks collectively closed the shutter.

Next, take out one of the checks received, read the MICR data from the MICR unit 20 and transmit it to the MCU, endorsed by the printer unit 30 and determined whether it is a normal check by the MICR data, if it is a normal check, the date of deposit Transfer to temporary collection section 40, temporarily stored, if not normal, transfer to B space of the hospitality section 10, and the check is repeated if the received check remains.

Next, when all the checks received have been processed, the bank host receives information from the bank host, and if the deposit is established, if the deposit is established, the checks temporarily stored in the deposit date and time accumulation unit 40 are stored in the deposit stack unit 50, If the deposit has not been established, the check stored in the deposit and collection unit 40 is inspected and transferred to the B space of the hospitality unit 10 to open the shutter, wait for the customer's receipt, and close the shutter when the receipt is completed.

6 is a withdrawal flow chart of the present invention. As shown in the drawing, a check is taken out from the withdrawal stack unit 60, the date is printed in the printer unit 30, and the MICR data is read from the MICR unit 20, and the data is MCU. If the check is sent to the normal check and transferred to the B space of the hospitality section 10, if there are more checks to withdraw, repeat the above process, if not, wait for the customer's receipt and close the shutter when the receipt is finished.

As described above, the check and withdrawal processing apparatus and method capable of batch processing of multiple checks of the present invention include a cashier which can process one by one of a plurality of checked checks, and enables multiple deposit and withdrawal of multiple checks. Increased stack capacity increases the maximum number of sheets that can be loaded and handled, and checks checks at the time of withdrawal and withdrawal, so you can not only check customer's unchecked checks, but also improve the processing speed and reduce the size of products In addition to this, there is an effect that can facilitate the convenience of customers and users.

Claims (5)

A reception unit including a check deposit and withdrawal space and a temporary storage space for sending and receiving a check with the space and for receiving and storing a single check or receiving a single check; A check transfer member extending straight from the reception portion to transfer the check; A deposit temporary accumulator configured to correspond to the check transfer member and the deposit and withdrawal position; A MICR unit configured to read the MICR data of the check being transferred and arranged between the serving unit and the deposit temporary accumulator, and a printer unit for printing information to the check being transferred; A deposit stack unit located at the lower portion of the deposit temporary collection unit, accumulating checks temporarily stored in the deposit temporary collection unit, and storing the checks when the checks on the route are collected; A check deposit and withdrawal processing apparatus capable of batch processing a plurality of checks, comprising a withdrawal stack configured to be disposed on the back of the deposit temporary accumulator while keeping the check transfer member and the withdrawal position corresponding to each other.  A depositing step of receiving a plurality of checks collectively into the first space of the customer service unit, transferring them to the second space, and then processing MICR data reading and printer printing in the transfer process while linearly transferring the checks through the check transfer member into a single deposit deposit unit; The process of performing printer printing and MICR data reading during the transfer while linearly transferring a sheet of check into the second space of the customer service part is repeated as many as the number of checks to be withdrawn and then enters the second space of the customer service part. Check collection and withdrawal processing method capable of batch processing a plurality of checks comprising the withdrawal step of transferring a plurality of checks collected to the first space of the customer service section and then providing it to the customer. The method of claim 2, wherein the depositing step comprises: a first step of opening a shutter of the hospitality unit for depositing a customer, receiving a plurality of checks in a first space, and closing the shutter of the hospitality unit; A second step of moving the received checks to a second space, taking them out in sheet check units, reading the MICR data, sending the checks to the MCU, endorsing them, and determining whether the checks are normal by MICR data; A third step of determining whether or not all checks received have been processed if the check is normal and if the check is transferred straight to the deposit and collection unit; A fourth step of executing the check again if the check received in the third step is left, and receiving the information from the bank host if the check received has been processed; If the deposit is successful, the check stored in the deposit date and time collection section is stored in the deposit stack. If the deposit is not established, the check stored in the deposit and collection section is searched and transferred to the customer service. Check and withdrawal processing method that is possible to batch processing a plurality of checks, characterized in that the fifth step of opening the door and waiting for the customer's receipt and closing the shutter. 3. The method of claim 2, wherein the withdrawal step comprises: a first step of taking out a check from the withdrawal stack, printing the date, reading the MICR data, sending the data to the MCU, and transferring the data to the second space of the reception portion if the check is normal; Check if there are more checks to be withdrawn, and if there are more, execute again from the first step, if not, move the checks collected in the second space to the first space, open the shutter of the customer service, wait for the customer's receipt, and then close the shutter. A check deposit and withdrawal processing method capable of batch processing a plurality of checks, comprising a second step of closing. A reception unit including a first space for depositing and withdrawing a check, a second space for releasing or storing a single check, and means for performing check switching in the spaces; A check transfer member extending from the reception unit and transferring the check and provided with a means for authenticating the check on a transport path; A depositing unit configured to temporarily store and receive checks provided through the check transfer member from the second space of the hospitality unit; The check deposit and withdrawal processing apparatus capable of processing a plurality of checks, characterized in that it comprises a withdrawal unit for providing a single check to the second space of the customer through the check transfer member.

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