KR101321212B1 - ATM and method for processing medium thereof - Google Patents

Abstract

The present invention relates to a financial automated device and a method for processing a depositing medium. The automatic teller machine according to the present invention uses an information extracting unit for extracting information of the depositing medium by reading a depositing medium through a magnetic character reading method and an optical letter reading method, and using the information of the depositing medium extracted from the information extracting unit. And a control unit for determining whether the deposit medium is a normal medium.

Magnetic character ink, Optical character, Automatic teller machine, MICR, OCR

Description

Automatic teller machine and deposit medium processing method

1 is a structural diagram of an automatic teller machine according to a preferred embodiment of the present invention.

Figure 2 is a block diagram showing the internal configuration of the automated teller machine according to a preferred embodiment of the present invention.

Figure 3 is a flow chart of the deposit medium processing method according to a preferred embodiment of the present invention.

4 is a diagram illustrating a calculation method of a thumb check method.

Explanation of symbols on the main parts of the drawings

101: banknote inserting hole 103: feed roller

105, 107: image scanning device 109, 121: branch portion

111, 123: temporary storage unit 113, 115: magnetic character recognition device 117, 119: optical character recognition device 125: printing unit

127: deposit check storage unit 200: door unit

210: image recognition unit 220: information extraction unit

221: low-cost ink character reader 223: optical character reader

230: control unit 240: output unit

260: suction / discharge motor drive unit 270: input unit

The present invention relates to a financial automated device and a method for processing a deposit medium, and more particularly, deposits using a reading result obtained by a magnetic ink ink (MICR) reading method and an optical character reader (OCR) reading method. The present invention relates to a financial automation device for processing a medium and a method for processing a deposit medium.

Automated-Teller Machine is a device that allows customers to directly deposit or withdraw cash without going through a bank window. Therefore, the automated teller machine is widely used to make banking more efficient and to provide customers with convenience.

On the other hand, the automated teller machine is generally equipped with a cash withdrawal device to be able to withdraw cash. Recently, however, the number of financial automated devices equipped with check and withdrawal devices that can freely withdraw and withdraw checks from securities is increasing.

Therefore, a check deposit apparatus is described as an example in the following detailed description of the present invention. However, the check deposit apparatus is not limited thereto and may be described as a media deposit apparatus capable of depositing various media such as checks, cash, and various receipts.

Conventional automatic teller machine first transfers the check passed through the door to the image recognition unit to scan the top and bottom of the check. The ink is transferred to the magnetic ink character recognition unit, and the magnetic ink character is read and transferred to the temporary storage unit. The control unit determines whether the deposit is completed or cancels the deposit according to the read result, and when it is determined that the deposit is completed, the check is stored in the deposit check loading unit.

However, the above-described conventional techniques have the following problems.

That is, conventionally, the authenticity of a check is determined by a magnetic ink character reader (MICR), and the magnetic ink character reader (MICR) checks a waveform of a character to determine the authenticity of the same waveform. In the above case, if the waveform of the character is distorted, it is judged to be a completely different character and thus it may not be recognized correctly.

Accordingly, the present invention has been made to solve the above-mentioned conventional problems, and an object of the present invention is a reading obtained by an optical character reader (OCR) reading method together with a magnetic ink ink (MICR) reading method. The present invention provides a financial automation device for determining the authenticity of a medium using the results and a method for processing the deposit medium.

According to a feature of the present invention for achieving the above object, the automatic teller machine of the present invention is an information extraction unit for extracting the information of the deposit medium by reading the deposit medium through the magnetic character reading method and optical character reading method; ; And a controller for determining whether the deposit medium is a normal medium by using the information of the deposit medium extracted from the information extraction unit.

In this case, the information extracting unit is a magnetic ink character reading unit for reading the information of the deposit medium through a magnetic character reader (MICR) reading method, and an optical character reader (OCR) reading method of the information of the deposit medium It includes an optical character reading unit to read through.

On the other hand, if the reading result using the magnetic ink character reading method and the optical character reading method is identical, the control unit compares a part of the read data by a checksum method to determine whether or not the normal medium.

In addition, the control unit calculates the data extracted by the magnetic ink character reading method into the checksum method, calculates the data extracted by the optical character reading method into the checksum method, and then matches the two result data. Determine the authenticity of the check.

The optical reading method compares feature points included in the extracted media information with feature points included in the data storage unit.

The automatic teller machine includes an image recognition device including a door part into which a medium is inserted or withdrawn, a first image scanning device to scan an image of an upper surface of a depositing medium, and a second image scanning device to scan an image of a bottom surface from the door part. A plurality of temporary storage units for separating and storing a medium having an abnormality corresponding to a determination result of the controller and the control unit into an abnormal medium and a normal medium, and a plurality of mediums having a abnormality corresponding to the determination result of the controller. It further comprises a moving means for moving to separate temporary storage.

The controller controls the normal media to be stored and the abnormal media to be released when a signal for the determination result of the controller is input from a customer, and to release all the media when the signal is not input.

In order to achieve the above object, the method of processing the deposit medium of the present invention comprises the steps of: (A) reading the deposit medium through a magnetic ink character reading method and an optical character reading method to extract information of the depositing medium, and (B) And determining whether the deposit medium is a normal medium by using the extracted information of the deposit medium.

On the other hand, step (B) is performed by (B1) determining whether the magnetic ink character reading result and the optical character reading result are identical, and (B2) checking the abnormal medium by using a checksum method.

In addition, the step (B) is (b1) extracting data by the magnetic ink character reading method and (b2) calculating the data extracted by the magnetic ink character reading method using a checksum method and (b3) (B4) calculating the data extracted by the optical character reading method using a checksum method, and (b5) calculating the result value of the step (b2) and the step (b4). After comparing and determining the operation result value of, may be operated to determine whether or not the abnormal medium.

And (E1) when the customer approves the information displayed on the display unit, storing the normal medium and releasing the abnormal medium.

In addition, if the customer does not approve the information displayed on the display unit (E2), the method may further include releasing all deposited media.

According to the present invention having the above-described configuration, when depositing a check, a reading result extracted through a magnetic ink ink (MICR) reading method and an optical character reader (OCR) reading method is compared. There is an advantage in that it is possible to process the authenticity of the check by using the character recognized correctly by the determination.

Hereinafter, with reference to the accompanying drawings a preferred embodiment of the automated teller machine according to the present invention as described above will be described in detail.

1 is a structural diagram of an automatic teller machine according to a preferred embodiment of the present invention, Figure 2 is a block diagram showing the internal configuration of the automated teller machine according to a preferred embodiment of the present invention, Figure 3 is According to a preferred embodiment of the present invention, a flow chart of a method for preventing a payment medium misreading of the automatic teller machine, and FIG.

1 is a structural diagram of an automatic teller machine according to a preferred embodiment of the present invention.

As shown in FIG. 1, the automated teller machine of the present invention includes a banknote input port 101 through which a user inserts a check to be deposited into the teller machine.

And the bill insertion hole 101 is connected to the transfer roller 103 for transferring the deposit medium from the bill insertion hole 101. The transfer roller 103 transfers the depositing medium with the driving force of the motor which rotates forward and reverse under the control of the suction / discharge motor driver 260.

In addition, the automated teller machine includes the first image scanning device 105 which scans one side of the check when the deposit medium is transferred by the transfer roller 103 through the banknote input port 101.

In addition, the automatic teller machine further includes a second image scanning device 107 for scanning the other side of the check made by the first image scanning device 105. Check information read by the first and second image scanning apparatuses 105 and 107 is input to the controller 230 to be described later.

On the other hand, the automatic teller machine comprises a first and second branches (109, 121) for controlling the driving path of the deposit medium.

As an example of the operation process of the first and second branch units 109 and 121, the check in which the check information of the front and rear sides is read from the first and second image scanning devices 105 and 107 reaches the first branch unit 109. When the first branch 109 is rotated slightly in the clockwise direction to open the medium traveling path, the check being conveyed is transferred to the first magnetic character recognition device 113.

The check deposited in the above manner is transferred from the first magnetic character recognition device 113 to the first optical character recognition device 117 through the adjustment of the transfer roller 103 and the first branch unit 109. .

In addition, the first branch unit 109 adjusts the medium driving path so that the medium to be transported is moved downward when the medium to be transported is slightly moved counterclockwise by a driving force of a separate driving device. Perform the function.

On the other hand, the automatic teller machine includes a first magnetic character recognition device 113 and a second magnetic character recognition device 115 to read the characters on the surface of the check through a magnetic character reader (MICR) reading method; It is composed.

In addition, the automatic teller machine further includes a first optical character recognition device 117 and a second optical character recognition device 119 for reading a character on a check surface through an optical character reader (OCR) reading method.

Check information recognized by the first and second magnetic character recognition devices 113 and 115 and the check information recognized by the first and second optical character recognition devices 117 and 119 are inputted to the controller 230 to be described later. The authenticity of the check is determined.

On the other hand, the check that the authenticity of the check is determined by the control unit 230 is transferred to the right by the feed roller 103 when the check is normal, while the second branch 121 is rotated in the clockwise direction By changing the check direction downward, the normal check is stored in the second temporary storage unit 123.

When the check is abnormal, it is conveyed to the left side by the feed roller 103 and the first branch 109 is rotated counterclockwise to change the direction of the check downward so that the constant table is the first temporary storage unit 111. It is stored in).

The first and second branches 109 and 111 are driven by a driving force of a separate driving device.

In addition, the automated teller machine further includes an output unit 240 for displaying check information to be deposited when the check to be deposited is stored in both the first temporary storage unit 111 or the second temporary storage unit 123. do. At this time, the customer can check whether the deposit check is correctly input through the check information of the output unit 240. The output unit generally uses a liquid crystal display (LCD).

The automatic teller machine includes the first and second temporary storage units 111 and 123 configured as spaces for storing a plurality of checks. The first and second temporary storage units 111 and 123 are configured to receive checks delivered by the rollers of the spaces one by one. And in the discharging step, it is configured to be taken out by the roller one by one.

On the other hand, in the automated teller machine, when confirmation of the deposit check is made from the customer, the depositing unit 125 printing the check processing contents of the check on the check and the deposit storing the check made through the printing unit 125 are stored. Check storage unit 127 is further provided. At this time, the customer's passbook number or card number is printed on the bottom of the check.

When the cancellation processing for the deposit check is made from the customer, the automatic teller machine returns the abnormal check and the normal check stored in the first and second temporary storage units 111 and 123. At this time, the deposit waiting checks stored in the first and second temporary storage units 111 and 123 are transferred to the left side and returned to the customer through the check transfer unit 130.

Figure 2 is an internal configuration showing the internal configuration of the automated teller machine according to a preferred embodiment of the present invention.

The automated teller machine of the present invention uses the image recognition unit 210 including the first and second image scanning devices 105 and 107 to scan an image of a check, and information for extracting check information using a magnetic method and an optical method. It is configured to include an extraction unit 220.

The government extracting unit 220 includes an optical character reading unit including the magnetic ink character reading unit 221 including the first and second magnetic character recognition devices 113 and 115 and the first and second optical character recognition devices 117 and 119 ( 223).

The image recognition unit 210 and the information extraction unit 220 accesses the check information read by the image recognition unit 210 and the information extraction unit 220 to determine whether the check authenticity of the check Connected.

On the other hand, the control unit 230 determines whether the check information read by the magnetic ink character reading unit 221 and the check information read by the optical character reading unit 223 match. If the two readings are identical, a part of the read part is extracted, calculated by a checksum method, and the authenticity of the check is determined.

The checksum calculation method is illustrated in FIG. 4.

As shown in FIG. 4, in order to perform the checksum operation, data is read and extracted by the magnetic ink character reading method or the optical character reading method.

By default, the check serial number is 8 digits, 1 digit, 2 bank codes, 1 digit, 4 digits, 1 digit, 5 digits, 1 checksum, 1 digit, It consists of 2 digits, 1 digit, 10 checks, and 1 digit.

The magnetic ink ink reader (MICR) reader and the optical character reader (OCR) reader extract the serial number.

A portion of the extracted data, that is, a point number 4 digits and a terminal number 5 digits are extracted as shown in the drawing, and each extracted portion is multiplied by a predetermined number (for example, 173173173 in the drawing) and divided by 10. . Thereafter, the remaining result divided by 10 is added, and the final result value obtained by dividing the result value by 10 is determined to match the extracted checksum data.

In addition, the controller 230 calculates the data extracted by the magnetic ink character reading method into the checksum method, calculates the data extracted by the optical character reading method into the checksum method, and then calculates two results. The authenticity of the check can also be determined by determining whether the data match.

Meanwhile, the controller 230 controls the determination result to be output to the output unit 240.

In addition, the controller 230 controls the check factor of the check factor unit 125 based on the check authenticity determination result, and controls the deposited check to be stored in the deposit check storage unit 127. In addition, it controls to transmit the data of the check deposited through the communication unit 250 to the bank, and controls the driving of the suction / discharge motor driver 260 that generates a driving force for depositing and discharging the check.

That is, the controller 230 performs a series of controls for depositing and outputting checks. The controller 110 may be a microprocessor or a digital signal processor (DSP).

In addition, the automatic teller machine further includes an input unit 270 that determines the contents output to the output unit 240 and receives a user's request. The input unit 270 is provided with an icon or a button for receiving various operations and menu settings for performing the functions. The input unit 270 may be configured as a general display device such as a hysteresis device or a liquid crystal display device configured as a keypad. However, it is preferable that the automatic teller machine is provided with a touch panel capable of simultaneously performing input and display functions.

Hereinafter, a method of preventing a deposit medium misreading of the automatic teller machine according to the present invention will be described in detail with reference to an operation method.

3 is a flow chart of a method for preventing misuse of a depositing medium in an automatic teller machine according to a preferred embodiment of the present invention.

First, the step of receiving a check to be deposited one by one through the banknote opening 101 from the customer is preceded (S300).

The deposited check is transferred to the first image scanning device 105 by the transfer roller 103. At this time, the motor is rotated forward through the suction / discharge motor driver 260, and the feed roller 103 is driven by the driving force of the motor.

And the check passed through the first image scanning device 105 is continuously conveyed by the transfer roller 103 is conveyed to the second image scanning device 107 side.

The first image scanning device 105 and the second image scanning device 107 image scan the top and bottom surfaces of the deposited check, respectively (S310). Image information of the check scanned in step S310 is input to the controller 230.

Then, the conveyed check reaches the positions of the first and second magnetic character recognition devices 113 and 115 after passing through the first branch unit 109, and the first and second magnetic character recognition devices 113 and 115 receive the magnetic characters of the deposit check. Recognize (S320). The recognized magnetic character is input to the controller 230.

Then, the check continues to be transferred by the conveying roller 103 to reach the positions of the first and second optical character recognition devices 117 and 119, and the first and second optical character recognition devices 117 and 119 receive the optical characters of the deposit check. Recognize (S330). The recognized character is input to the controller 230.

The controller 230 may store the magnetic character information and the optical character information of the check inputted through the first and second magnetic character recognition devices 113 and 115 and the first and second optical character recognition devices 117 and 119. After judging by comparing with, it is determined whether the two data match (S340).

If it is determined by the controller 230 that the two pieces of information are identical, the controller 230 substitutes the read data into the checksum method and calculates whether the medium is a normal medium.

On the other hand, the controller 230 may determine the authenticity of the check in another way. For example, the data extracted by the magnetic ink character reading method is calculated by substituting the checksum method, and the data extracted by the optical character reading method is substituted by the checksum method, and then the two result data are identical. Judgment can also determine the authenticity of the check.

In addition, the controller 230 may determine the authenticity of the check by another method. For example, it is possible to transmit the input check information to the corresponding bank through the communication unit 250, and receive the result information according to the authenticity of the check from the corresponding bank.

If the authenticity of the deposit check is determined by the control unit 230, the control unit 230 controls the storage position of the deposit check. That is, if it is determined that the check is normal, the check is controlled to be stored in the second temporary storage unit 123, and if the check or the information of the check is uncertain, the control is stored so that the check is stored in the first temporary storage unit 111.

In order to store the normal check in the second temporary storage unit 123, the check is moved from the first and second optical character recognition devices 117 and 119 to the right side, and the second branch 121 is rotated slightly in the clockwise direction. To change the direction of the check downward. Therefore, the check is transferred to the second temporary storage unit 123 side from the second branch 121 is temporarily stored.

On the other hand, if the check or the information of the check is uncertain, the check is moved to the left side from the first and second optical character recognition devices 117 and 119, and the first branch 109 is rotated slightly counterclockwise to Change the direction of travel downward. Therefore, the check is transferred from the first branch 109 to the first temporary storage 111 side is temporarily stored. At this time, the motor is driven in reverse rotation through the suction / discharge motor driver 260 to transfer the check to the left side, and the feed roller is transferred to the left side by the reverse rotation driving force of the motor.

When all of the checks are deposited by the determination process of the controller 230, the controller 230 controls the determination result to be output to the output unit 240. In addition, at this time, the customer is asked whether to deposit only the normal check stored in the second temporary storage unit 123 side.

If the customer does not want to deposit in the process, the control unit 230 controls to return all the checks stored in the first and second temporary storage (111,123) to the customer. In this case, the checks stored in the first and second temporary storage units 111 and 123 are transferred to the left side and returned to the check transfer unit one by one to the customer.

When the customer wants to deposit in the confirmation process, the controller 230 controls the normal checks stored in the second temporary storage unit 123 to be transferred to the right one by one to reach the position of the printing unit 125, the deposit The processing contents are printed on the check and controlled to be stored in the deposit check storage unit 127.

As described above, the present invention compares a reading result extracted through a magnetic ink ink reader (MICR) reading method and an optical character reader (OCR) reading method, and checks the authenticity of the check using a character that is correctly recognized. There is an advantage to handle.

It is to be understood that the invention is not limited to the disclosed embodiment, but is capable of many modifications and variations within the scope of the appended claims. It is self-evident.

In the automatic teller machine according to the present invention as described in detail above, the following effects can be expected.

That is, when depositing the check of the present invention, by using a magnetic character ink (MICR) reading method and an optical character (OCR: optical character reader) reading method to compare and determine the read result using a character that is correctly recognized There is an advantage that can handle the authenticity of the check.

Claims (12)

An information extraction unit which reads the information of the depositing medium through a magnetic character reader (MICR) reading method and an optical character reader (OCR) reading method and extracts information of the depositing medium; And The information of the depositing medium extracted from the information extraction unit is used to determine whether the depositing medium is a normal medium, and if the result read by the magnetic ink character reading method and the optical character reading method is identical, the read result And a control unit for comparing a portion of the extracted data by a checksum method to determine whether the medium is normal. The method of claim 1, The information extraction unit, Magnetic ink character reading unit for reading the information of the deposit medium through a magnetic character reader (MICR) reading method; And An automatic teller machine comprising an optical character reader for reading the information of the deposit medium through an optical character reader (OCR) reading method. 3. The method of claim 2, The optical character reading method, And a feature point included in the extracted payment medium information and a feature point included in the data storage unit. An information extraction unit which reads the information of the depositing medium through a magnetic character reader (MICR) reading method and an optical character reader (OCR) reading method and extracts information of the depositing medium; And The information on the depositing medium extracted from the information extracting unit is used to determine whether the depositing medium is a normal medium, and the magnetic ink character reading method and the reading result using the optical character reading method match the magnetic ink character. The data extracted by the reading method is calculated by substituting the checksum method, and the data extracted by the optical character reading method is calculated by substituting the checksum method. Financial automated device comprising a control unit. delete 5. The method according to any one of claims 1 to 4, The automatic teller machine, A door part into which the medium is input or withdrawn; An image recognition unit including a first image scanning device for scanning an image of an upper surface of a depositing medium and a second image scanning device for scanning an image of a bottom surface from the door unit; A plurality of temporary storage units for separating and storing a medium in which abnormality is confirmed in response to a determination result of the controller into an abnormal medium and a normal medium; And a moving means for separating and moving the medium, which has been checked for abnormality, to the plurality of temporary storages in response to the determination result of the controller. The method according to claim 6, Wherein, If a signal for the determination result of the control unit is input from a customer, the control device to keep the normal medium and to release the abnormal medium, and to control the release of all the media when the signal is not input. Extracting information on the depositing medium by reading a depositing medium through a magnetic ink character reading method and an optical character reading method; And It is determined whether the deposit medium is a normal medium by using the information of the extracted deposit medium, and it is determined whether the magnetic ink character reading result and the optical character reading result coincide with each other. The payment medium processing method comprising the step of determining whether or not the normal medium. delete Extracting information on the depositing medium by reading a depositing medium through a magnetic ink character reading method and an optical character reading method; And Determining whether the deposit medium is a normal medium by using the extracted deposit medium information; Extracting the information of the deposit medium, Extracting data by the magnetic ink character reading method, and extracting data by the optical character reading method, Determining whether the deposit medium is a normal medium, Calculating data extracted by the magnetic ink character reading method using a checksum method, calculating data extracted by the optical character reading method using a checksum method, and extracted by the magnetic ink character reading method And comparing the checksum method calculation result value of the data with the checksum method operation result value of the data extracted by the optical character reading method, and determining whether or not an abnormal medium is present. delete delete

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