KR101495658B1 - An ATM having integrated deposit accepting device and the recognition method applied thereto - Google Patents

Abstract

The present invention relates to a financial automatic machine having a cash deposit and a check deposit unit, and more particularly, to an integrated deposit unit that unifies a winding input port of a financial automatic machine, And then converts the low-resolution image data into a low-resolution image having a preset level. The low-resolution image data is used to primarily determine whether the inserted winding is a cash or a check, and in the case of cash, And a cash / check integrated deposit unit for recognizing the denomination written on the check by using previously read high-resolution image data in the case of a check, and a cash / check recognizing method applied thereto .
To this end, the present invention comprises a first step of reading the image data of the inserted winding with a high resolution of 100 dpi to 300 dpi, a step of converting the read high resolution image data into a resolution of image data of low resolution preset lower than the read high resolution A third step of judging whether or not the inserted curd is cash or check using the image data of the low resolution, a third step of judging whether the cash or check is cash or check, And a fifth step of reading the check information including the check number and the amount of money for the check determined as the check result as a result of the determination as to whether the cash or check is a cash / check check And a cash / check recognition method applied to the automated teller machine.

Description

[0001] 1. Field of the Invention [0002] The present invention relates to a financial automatic machine having a cash / check integrated deposit unit and a cash /

The present invention relates to a financial automatic machine having a cash deposit and a check deposit unit, and more particularly, to an integrated deposit unit that unifies a winding input port of a financial automatic machine, And then converts the low-resolution image data into a low-resolution image having a preset level. The low-resolution image data is used to primarily determine whether the inserted winding is a cash or a check, and in the case of cash, And a cash / check integrated deposit unit for recognizing the denomination written on the check by using previously read high-resolution image data in the case of a check, and a cash / check recognizing method applied thereto .

Automated Teller Machine (ATM) is a system in which customers use cash cards or passbooks issued by financial institutions to deposit and withdraw cash or checks, bank account transfers, and account inquiries It is an automation device that can support basic financial services. The automated teller machine is configured to automatically conduct transactions such as withdrawal (withdrawal) of cash (banknotes), or deposit (deposit) using a medium such as a card or passbook. As a financial institution, there are advantages in terms of labor saving effect and efficiency of business processing, and users are also widely used because they can perform financial business quickly.

The above-described automated teller machines are mainly installed in bank branches or in subway stations, terminals and shopping centers where many people come and go. Recently, they are installed in convenience stores. In the meantime, bank ATMs installed at convenience stores and subway stations can not make bank transfer transactions. However, they can be deposited in financial automation devices installed in individual financial institutions (banks, post offices, etc.) And the input port of the check were provided separately.

However, each financial institution wanted to miniaturize the financial automation equipment in order to install the financial automation equipment more efficiently in a narrow place, and as a result, the necessity of development of the financial automation equipment having the integrated entry unit which unified the input port of cash and check is increased have.

Accordingly, there has been a demand for a function capable of recognizing cash and checks inserted in the automated teller machine equipped with the integrated depositing unit separately. In other words, a cash deposit and a check are mixed in at a time as a consolidated deposit department. At this time, if all the recognition processes are performed collectively for each input, without discriminating between cash and checks, a check recognition process is performed in cash. It is inevitable that the ineffective result is applied.

Especially, in case of cash, it is possible to discriminate the denomination of the coin by the low-resolution image, but in the case of the check, the MICR (Magnetic Ink Character Recognition) reader is required when recognizing the various numbers written. A high resolution image is required and it is urgently required to develop a method which can efficiently process both the cash and the readable high resolution image mixed with the checks which are processed by only the low resolution image in the financial automation equipment, .

SUMMARY OF THE INVENTION It is an object of the present invention to solve the above problems and to provide a method and system for automatically checking whether a winding machine inserted in a financial automatic machine is a cash check or a check, So that the user of the automated teller machine equipped with the integrated depositing unit can smoothly carry out the deposit transaction without wasting a lot of time.

In order to solve the above-described problems, the present invention provides a cash / check recognition method for a banknote automation machine having a cash / check integrated deposit unit, comprising: a first step of reading the image data of a charged winding in a high resolution of 100 dpi to 300 dpi; A second step of converting the read high resolution image data into resolution lower than the read high resolution to a predetermined low resolution image data; A third step of determining whether the inserted winding is cash or check using the image data of the low resolution; A fourth step of judging whether the cash or check is a cash or a check; And a fifth step of reading the check information including the check number and the amount of money for the check determined to be a check as a result of the determination as to whether the check is cash or check, A method of recognizing a cash / check of a financial automation machine provided with a part.

The automated teller machine having the cash / check integrated deposit unit according to the present invention and the cash / check recognition method applied thereto can read the high-resolution image data of the input winding, convert it into low-resolution image data, Whether the cash or check is a cash or a check, and by appropriately identifying the cash or the check according to the divided result, it is possible to efficiently carry out the payment transaction of the user without wasting unnecessary time .

Also, the high-resolution image data and the low-resolution image data read from the inputted winding current are efficiently selected and stored, and the availability of the database can be increased by effectively using the limited database capacity of the financial automation device.

1 is a block diagram schematically showing a system configuration of a financial automatic machine having a cash / check integrated deposit unit according to an embodiment of the present invention;
FIG. 2 is a view for explaining a flow of processing a winding inserted through a financial automatic machine having a cash / check integrated payment unit according to an embodiment of the present invention; FIG.
FIG. 3 is a flow chart of a cash / check recognition process of a financial automatic machine having a cash / check integrated payment unit according to an embodiment of the present invention

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

FIG. 1 is a block diagram schematically showing a system configuration of a financial automatic machine including a cash / check integrated deposit unit according to an embodiment of the present invention.

Referring to FIG. 1, the automated teller machine having a cash / check integrated deposit unit according to the present invention includes an integrated deposit unit 100 for receiving bank notes such as cash, checks, etc., An MICR reading unit 400 for recognizing the magnetic ink characters printed on the check, a cash dispenser 200 for cashing in or checking out cash, A temporary storage unit 510 temporarily stored before being conveyed to the cash cassette 910 and the check cassette 920, and a winding of the tape determined to be not cash or check, to the user through the integrated transfer unit 100 A reject unit 520 for temporarily storing the returned reels before returning, a counterfeit rewinding unit 530 for storing and storing reels determined to be counterfeit, a temporary storage unit 510 after the deposit is confirmed by the user Cash or number It is configured to include a cash drawer 910 and check the cassette 920 to be stored is transferred, respectively.

FIG. 2 is a view for explaining a flow of processing a winding inserted through a financial automatic machine having a cash / check integrated payment unit according to an embodiment of the present invention.

Referring to FIG. 2, a flow of processing the input currents in the automated teller machine equipped with a cash / check integrated deposit unit according to the present invention will be described. First, the integrated payment unit 100 receives a cash or check And the bundle is stored in a single inlet.

The image reading unit 200 reads the image data of the winding inserted into the integrated depositing unit at a high resolution. The high resolution in the winding identification generally means a resolution of 100 dpi (dots per inch) or more, and the image reading unit in this embodiment plays a role of reading the image data of the winding current at a resolution of 200 dpi.

When it is judged that the inserted winding is a check, the check sorting unit 300 aligns the charged yarn to one side of the conveying path so that the MICR reading unit 400 can accurately read the magnetic ink string.

The MICR reading unit 400 reads the magnetic ink character string printed on the check by driving the MICR sensor head inside the reading unit. Since the reading of the magnetic ink characters through the MICR reading unit 400 is selectively performed only when the microprocessor 600 determines that the winding is a check, the simultaneous deposit processing time of the cash and the check is shortened and the integrated depositing unit 100 The efficiency of the automated teller machine can be improved.

The temporary storage unit 510 temporarily stores the inserted winding in the cash or check cassettes 910 and 920 before the inserted winding is finally moved to the cash or the check cassettes 910 and 920 when the microprocessor 600 determines that the winding is the cash or check suitable for the deposit Role.

When the microprocessor 600 determines that the inserted winding can not be deposited, the reject unit 520 temporarily stores the inserted winding before returning to the user of the automated teller machine.

When the microprocessor 600 judges that the winding of the inserted yarn is counterfeit, the counterfeit winding unit 530 stores and stores the winding of the yarn discriminated as counterfeit.

The microprocessor 600 converts the high-resolution image data read from the image reading unit 200 into low-resolution image data, and determines whether the inserted current is cash or check using the converted low-resolution image data. Thereafter, when the input winding is determined as cash, the converted low-resolution image data is used to determine whether the cash is a coin or a counterfeit.

At this time, if the inserted currency is a normal currency, the total amount is added up as a result of judging whether the currency is denominated or not, and the currency is stored in the temporary storage unit 510. The bills that can not be judged as denominations are temporarily stored in the rejection unit 520, and the bills judged as counterfeit money are stored in the counterfeit money collecting unit 530 and stored separately.

When the input winding is determined as a check, the check number, serial number, account number, amount, etc. are read using the read result of the succeeding MICR reading unit 400 and the high-resolution image data read first. If a normal reading is made, the sum of the listed amounts is added and the winding is stored in the temporary storage unit 510. If normal reading of the check is not possible, it is temporarily stored in the reject section 520.

Thereafter, the microprocessor 600 displays the total amount of the summed normal bills and the amount of the check that has been normally read to the user through the display unit 700, and receives the deposit amount by the user.

When the deposit amount is confirmed, the microprocessor 600 performs a deposit process and conveys the spirals stored in the temporary storage unit 510 to the storage cassette of the spool, that is, the cash cassette 910 or the check cassette 920 And stores the read data on the deposited winding in the database 800.

At this time, for the winding judged as cash, the low resolution image data and the winding type discrimination result of the winding are matched and stored, and for the winding determined as the check, the high resolution image data of the winding is matched with the reading result of the MICR reading unit 400 .

In the case where it is determined as cash, the high-resolution image data of the winding is deleted, and only the converted low-resolution image data is matched with the result of discrimination of the cash, Resolution video data of the current stream is deleted and only the high-resolution video data initially read is matched with the MICR readout result and is stored in the database 800. Therefore, The capacity of the limited database 800 can be efficiently utilized.

Hereinafter, each step of the method of recognizing cash and checks input to the integrated depositing unit 100 according to the present invention will be described in more detail.

FIG. 3 is a flowchart of a cash / check recognition process of a financial automatic machine including a cash and check integrated deposit unit according to an embodiment of the present invention.

As shown in FIG. 3, the image reading unit 200 reads image data of the inserted winding at a high resolution. Here, the high resolution refers to a resolution of about 100 dpi to 300 dpi, and in the present embodiment, the image data is read at a resolution of 200 dpi.

Subsequently, the microprocessor 600 converts the read high-resolution image data into low-resolution image data and determines whether it is a cash check or a check based on the converted low-resolution image data (S311, S321). Here, the low resolution refers to a resolution of about 30 dpi to 70 dpi, which is lower than the read high resolution image data, and is converted to have a resolution of 50 dpi in the present embodiment. The resolution conversion of the data as described above can be performed quickly and easily by using the average value of the extracted data or the like. Based on the image data converted into the low resolution, / Time of data processing according to discrimination of checks can be effectively shortened.

Then, if it is determined as a result of the determination using the low-resolution image data, the CPU discriminates the denomination using the converted low-resolution image data (S312) and determines whether the cash is counterfeit (S313). At this stage, the cash which can not be clearly identified or damaged or can not be deposited at this stage is returned to the rejection unit 520 (S340) to be returned to the user of the automated teller machine (S340) (S350) and stored and stored (S351).

As a result of the determination, if it is determined that the money is not cash, it is determined whether the inserted winding is a check (S321). Even in this stage, only the low-resolution image data is used. It is usually not possible to read the check number, serial number, account number, etc. in order to read the authenticity of the check and obtain accurate check information. However, It is judged whether or not the winding inserted with only low-resolution image data is a check, using the standardized characteristics of the magnetic ink character area.

In other words, in the present invention, only portions expected to have printed the magnetic ink character in the low-resolution image data are extracted, and standard characteristics such as the height and width of the magnetic ink character area appearing on the extracted image are compared with the normal magnetic ink character standard It is determined whether or not the inputted winding is a check by checking whether or not the magnetic ink character is printed on the inserted winding. This is because the check uses the characteristic that the standardized magnetic ink character is printed only at the designated position, According to one method, it is possible to determine whether or not the inserted winding is a check with low resolution image data alone.

If the result of the determination is a check, the position information of the magnetic ink string obtained in the process of determining the low-resolution image data may be transferred to the MICR reading unit 400 to move the MICR sensor head to the corresponding position. In addition, the check sorting unit 300 aligns the check that is conveyed through the image reading unit 200 to one side of the conveying route (S322). That is, since the magnetic ink character is present at a specific position of the check, the check sorting unit 300 can determine that the magnetic ink character printed on the check enters the MICR reading unit 400 when the winding enters the MICR reading unit 400 Align the windings so that they are parallel to the direction. Thereafter, the MICR reading unit 400 moves the MICR sensor head based on the positional information of the magnetic ink string received from the image reading unit 200 to obtain information such as a check number, a serial number, and an account number .

In addition, the amount data of the check may not be written in a magnetic ink character but may be written in a written form. In this case, the MICR reading unit 400 can not read the amount data. Accordingly, in order to correctly read the amount written in the check, the high-resolution image data of the check read out from the image reading unit 200 is transmitted to a separate upper processor provided in the financial automation equipment, Character Recognition (OCR) processes. At the same time, the MICR reading unit 400 can also transmit the read check number, serial number and account number to the upper processor, and the upper processor is a processor for controlling the entire process of the financial automation equipment, A card reader unit, a specification table output unit, a communication unit, and the like.

When the MICR reading unit 400 can not correctly read the magnetic ink character due to the damage of the MICR string printed on the check, the magnetic ink character string of the high resolution image data read from the image reading unit 200 It is possible to correct the MICR reading result by applying an optical character recognition process, which is supplemented with an auxiliary means such as an optical character recognition process, so that information such as check number, serial number, account number, It can be understood.

If the microprocessor 600 determines that the microprocessor 600 has determined that it is not a check by using the low-resolution image data, or if it is determined that it is a check but does not recognize the check number in the subsequent identification process, And is returned to the reject unit 520 to be returned (S340).

Thereafter, the checked cash, the check number, the serial number, and the account number confirmed as the pneumatic money are checked (S314, S324) and sent to the temporary storage unit 510 (S330) ) Is displayed on the display unit 700 and it is confirmed whether or not the amount indicated by the user matches the input amount. When the user finally confirms the deposit of the displayed amount through the interface (not shown) of the automated teller machine, the reels stored in the reject unit 520 are returned to the user (S341), and the temporary storage unit 400 The stored cash and checks are transferred to the cash and check cassettes 910 and 920, respectively, and stored (S331), thereby terminating the user's deposit transaction using the automated teller machine equipped with the integrated deposit part.

As described above, the cash / check recognizing method of a financial automatic machine having a cash / check integrated deposit unit according to the present invention reads high-resolution image data of an input current, converts it into low-resolution image data, It is possible to promptly carry out an appropriate reading process required for reading each winding, thereby effectively carrying out a payment transaction using a financial automatic machine having an integrated deposit unit.

When the input winding is cash, the low-resolution image data is used for discrimination of denomination and counterfeit. In the case of a check, the high-resolution image data is used for grasping the amount described in the handwriting and for optical character recognition, Image data having a resolution suitable for each winding is provided to each determination process through the microprocessor 600 and the microprocessor 600 inputs high resolution and low resolution image data And the data can be managed according to a limited database capacity of the financial automation equipment by efficiently storing and managing the information in the database 800 by matching with the information of each winding.

Although the present invention has been described in connection with certain exemplary embodiments, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. Therefore, the scope of the present invention should not be limited by the described embodiments, but should be defined by the appended claims and equivalents thereof.

100: Integrated Deposit Unit 200: Image Docking Unit
300: Check Arranging Unit 400: MICR Reading Unit
510: temporary storage unit 520: reject unit
530: Falsification card holder 600: Microprocessor
700: Display unit 800: Database
910: Cash cassette 920: Check cassette

Claims (10)

A cash / check recognition method for a financial automatic machine having a cash / check integrated deposit unit,
A first step of reading the image data of the inserted winding at a high resolution of 100 dpi to 300 dpi;
A second step of converting the read high resolution image data into image data of a low resolution preset lower than the read high resolution;
A third step of determining whether the inserted winding is cash or check using the image data of the low resolution;
A fourth step of judging whether the cash or check is a cash or a check;
A fifth step of reading the check information including the check number and the amount of money for the check determined to be a check as a result of the determination as to whether the check is cash or check;
And a method of recognizing a cash / check of a financial automation machine having a cash / check integrated payment unit
The method according to claim 1,
The low-
A method for recognizing a cash / check of a financial automation apparatus having a cash / check integrated payment unit, characterized by having a resolution of 30 dpi to 70 dpi
The method according to claim 1,
In the third step,
Checks whether or not the inserted reel is cash, and judges whether or not the inserted reel is a check if it is not a cash as a result of the determination. A cash / check recognizing method of a financial automatic machine having a cash /
The method according to claim 1,
In the third step, in determining whether or not the inserted winding is a check using image data of low resolution,
Wherein the image data for the magnetic ink character area of the check is extracted and it is judged whether the inserted curl is a check by comparing the standard characteristics of the magnetic ink character with a cash of the automatic teller machine / How to recognize a check
The method according to claim 1,
The cash / check identification of the banknote automobile having the coin / check integrated money deposit unit is performed by using the low-resolution image data. Way
The method according to claim 1,
If it is judged that the check is the check result in the third step,
Before performing the check information reading of the fifth step,
(3-1) for sorting the inserted curl for reading the check information. The cash / check recognizing method of the automated teller machine having the cash / check integrated payment unit
The method according to claim 6,
In the fifth step,
And reading the check information based on the magnetic ink reading result through the MICR reading unit and the optical character reading result using the high resolution image data.

8. The method of claim 7,
In the optical character reading using the high-resolution image data in the fifth step,
Wherein the cash / check recognizing method is performed through an upper processor separately provided in the automated teller machine.
The method according to claim 1,
If it is determined in step 3 that the money is cash,
Further comprising the step of matching low-resolution image data of the current stream and the denomination discrimination information obtained in the fourth step with the current stream and storing the same in a database, wherein the cash / check of the automated teller machine Recognition method
The method according to claim 1,
If it is determined that the check is a check result in the third step,
And storing the high-resolution image data of the spool and the check information read in the fifth step in the database in correspondence with the current spool, and storing the cash / check in the database. Recognition method

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