KR101580741B1

KR101580741B1 - Financial device

Info

Publication number: KR101580741B1
Application number: KR1020140073977A
Authority: KR
Inventors: 강충구
Original assignee: 주식회사 엘지씨엔에스
Priority date: 2014-06-18
Filing date: 2014-06-18
Publication date: 2015-12-28

Abstract

A financial device according to an embodiment includes: a bankbook input/output part into which a bankbook is inputted; a scan part which scans the input surface of the bankbook inputted by the bankbook input/output part; a control part which extracts the printing breakdown of image data scanned by the scan part, and transmits the printing breakdown to a host server; and an printing part which prints printing data transmitted from the host server by the control of the control part.

Description

Financial device

The present invention relates to a financial instrument.

Generally, a financial instrument is a device that processes a financial business desired by a customer. The financial instrument may deposit or withdraw a medium such as a bill or a check.

In addition, the financial instrument may perform a financial transaction through a passbook, and may organize a passbook that prints transaction details on a passbook.

In the conventional financial system, regardless of whether there is an ink shortage or a device failure in the printing unit of the financial device, when the host server sends the printing data to the financial device, it is determined that the printing is normally performed. The host server determines that the print data is normal print data after sending the print data.

In such a case, since the bankbook that summarizes transaction details is not properly performed in the bankbook, the customer inconveniences that the bankbook should be rearranged through the bank employee.

An embodiment of the present invention provides a financial instrument having an improved passbook arrangement process.

The financial apparatus according to the embodiment includes a passbook entry / exit unit into which a passbook is inputted; A scan unit that scans the input surface of the passbook inserted into the passbook input / output unit; A controller for extracting an argument from image data scanned by the scan unit and delivering the argument to the host server; And a print unit for printing the print data transmitted from the host server under the control of the control unit to the passbook.

A financial system according to an embodiment of the present invention is a financial system including a financial device and a host server, the financial device extracting factor details of an input passbook, transmitting the argument details to the host server, And the host server compares the argument details transmitted from the financial instrument with the argument data to generate the argument data and transmits the argument data to the financial instrument.

According to the present invention, the financial device scans the argument details of the passbook inserted therein, and transmits the argument information to the host server. The host server compares the parameter details of the scanned passbook with the stored parameter data and transmits the parameter data to be printed on the passbook , It is possible to prevent the inconvenience that the financial factor is not normally achieved by printing the data for the factor to be printed on the passbook.

According to the present invention, it is possible to prevent the inconvenience of the user because the factor details of the passbook over a predetermined concentration can be recognized as normal factor details and the factor details that can be recognized by the user and the factor data stored in the host server can be maintained.

1 is a perspective view of a financial instrument according to a first embodiment,
2 is a configuration diagram of a medium processing apparatus according to the first embodiment;
3 is a block diagram illustrating a financial device and a host server according to an embodiment,
FIG. 4 is a flow chart of the passbook arrangement according to the embodiment,
5 and 6 are diagrams showing the factor details of the passbook according to the embodiment.

Hereinafter, some embodiments of the present invention will be described in detail with reference to exemplary drawings. It should be noted that, in adding reference numerals to the constituent elements of the drawings, the same constituent elements are denoted by the same reference numerals even though they are shown in different drawings. In the following description of the embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the difference that the embodiments of the present invention are not conclusive.

In describing the components of the embodiment of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements. When a component is described as being "connected", "coupled", or "connected" to another component, the component may be directly connected or connected to the other component, Quot; may be "connected," "coupled," or "connected. &Quot;

A financial device according to an embodiment of the present invention may be a financial device that obtains various media such as banknotes, securities (including checks), giro, coins, gift certificates, etc. and processes and / or withdraws such as deposits, Such as processing such as issuance of paper money, release of paper money, release of gift certificate, and the like. Examples of such financial instruments include an automated teller machine (ATM) such as a cash dispenser (CD), a cash recycling machine, and the like. However, the financial instrument is not limited to the above-described example, and may be various devices for automating the financial business such as FIS (Financial Information System).

Hereinafter, an embodiment of the present invention will be described on the assumption that the financial instrument is a financial automatic instrument. However, this assumption is only for convenience of explanation, and the technical idea of the present invention is not limited to the financial automation equipment.

FIG. 1 is a perspective view of a financial instrument according to a first embodiment, and FIG. 2 is a configuration diagram of a medium processing apparatus according to the first embodiment.

Referring to FIG. 1, the financial instrument 1 according to the present embodiment includes a main body 10 in which a plurality of parts are embedded.

The financial instrument 1 can communicate with the host server 5. [ The financial instrument 1 can transmit financial processing information to the host server 5 and receive customer information and the like from the host server 5. [ The host server 5 may store the financial transaction information received from the financial institution 1. [

In addition, the host server 5 stores past print data for each passbook. The host server 5 can receive the argument details of the currently input passbook from the financial instrument 1. [ The host server 5 compares the argument details of the currently input passbook received from the financial instrument 1 with the factor data stored in the host server 5 and outputs the result of the comparison, Data for the argument can be generated. The host server 5 may transmit the printing data to the financial institution 1. [

The main body 10 may include a media input / output unit 13 for input / output of a medium.

The media input / output unit 13 includes a media storage space accessible by a customer, and can serve as a common input / output unit through which a plurality of types of media can be loaded and unloaded.

In addition, depending on the type of the financial instrument 1, it may further include a passbook entry / exit section 14 for entering and leaving the passbook and a card entry / exit section 15 for entering / leaving the card. In the present invention, the passbook entry / exit unit 14 or the card entry / exit unit 15 may be referred to as a customer information obtaining unit for obtaining customer information. The financial instrument 1 may further include a user interface unit 11 for displaying a menu and information for depositing or withdrawing money and inputting or selecting a command or information for deposit or withdrawal.

The financial instrument 1 may include a media processing apparatus 16. [

The media processing apparatus 16 may include the media input / output unit 13.

The media processing apparatus 16 may further include a discrimination unit 20. The distinguishing unit 20 can identify the type of medium or identify a defective medium when storing or withdrawing the medium.

The media processing apparatus 16 may further include a temporary storage unit 30 in which media are temporarily integrated. The temporary accumulation unit 30 temporarily stores the medium received through the medium input / output unit 13 when the customer intends to deposit the medium in the financial instrument 1. [ The medium integrated in the temporary accumulation unit 30 is transferred to the medium storage box 40 to be described later when the customer finally decides to store the medium.

The media processing apparatus 16 may further include a media storage box 40 for storing media. The media storage 40 may include one or more banknote storage boxes 41, 42, 43 and one or more check storage boxes 44. The media storage box 40 may be provided with a media inlet for receiving the transported media and a media outlet for allowing the media stored therein to be taken out. Generally, the media inlet and the media outlet may be formed at the upper end of a box constituting the outer appearance of the media storage box 40. [

In addition, the media storage box 40 is provided with media separating means 40 for collecting the media conveyed from the outside of the media storage box 40 side by side and transferring the accumulated banknotes one by one to the outside of the media storage box 40, Can be provided.

The media processing apparatus 16 includes a first collection box 50 in which a medium determined to be defective in the dispensing process or a medium rejected in the dispensing process is stored, And a replenishment / recovery cassette 60 for replenishing or recovering the medium. The replenishment / recovery cassette 60 can store the medium to be supplemented in the media storage box 40. [

In addition, the financial instrument 1 may further include a third collection box 54 in which, when the customer has taken off the medium discharged to the media input / output unit 13 for withdrawal, the non-receiving medium is collected.

In the present invention, the modules (the media input / output unit, the discrimination unit, the media storage unit, the temporary accumulation unit, the collection box, etc.) constituting the financial apparatus can be connected by a plurality of conveying paths 18, 19 and 20.

The plurality of conveying paths 18, 19 and 20 include a first conveying path 18 positioned above the discriminating portion 20 around the discriminating portion 20 and a second conveying path 18 located above the discriminating portion 20, And a third conveying path 21 positioned below the discriminating portion 20. The second conveying path 21 may be provided with a second conveying path 21,

The third conveyance path 21 is located above the media storage box 40, the first collection box 50 and the supplement / collection cassette 60 and is conveyed along the third conveyance path 83 Is transferred to the media storage box (40) or the first collection box (50).

The medium can be taken out directly from the replenishment / recovery cassette 60 or can be drawn out to the third conveyance path 21 via the first collection box 50. In addition, the medium on the third conveyance path 21 can be directly drawn into the replenishment / recovery cassette 60 or can be introduced into the replenishment / recovery cassette 60 via the first collection box 50. [

At this time, each of the media input / output unit 13, the temporary accumulation unit 30 and the one or more media storage boxes 40 is connected to the first transfer path 18, the second transfer path 19, A first path for medium entry, and a second path for medium entry, which are independent paths from the first path.

The financial instrument 1 may further include a control unit 70 for controlling the transfer of the medium.

3 is a block diagram illustrating a financial device and a host server according to an embodiment.

3, the financial instrument 1 according to the embodiment may include a passbook input / output unit 14, a scan unit 70, a control unit 80, and a printing unit 90. [

The financial instrument 1 can exchange data with the host server 5. [

The passbook input / output unit 14 informs that the passbook is inputted to the control unit 80 after the passbook is inputted.

The scan unit 70 scans the inserted passbook. The scan unit 70 may scan the inserted surface of the passbook. The face into which the passbook is inserted may be a face to be printed on which transaction details are printed. The scan unit 70 may include an image sensor. The image sensor may include a CMOS image sensor.

The scan unit 70 may transmit the image data to the controller 80. The control unit 80 may extract character information from the image data.

The control unit 80 can extract the argument details of the passbook. In particular, the control unit 80 may extract the last factor of the factor of the passbook. Herein, the factor of the passbook may be the financial transaction details such as the deposit or withdrawal in the account, and the last factor may be the financial transaction details at the end of the financial transaction history, Of the total amount.

The control unit 80 may generate the professional data through the extracted factor of the passbook or the last factor of the passbook and may transmit the expert data to the host server 5. [

The control unit 80 may extract the normal factor details of the image data over a predetermined concentration or the normal last factor details over a predetermined concentration and transmit the specialized data to the host server 5.

The control unit 80 can receive the specialized data from the host server 5. [ The specialized data may be data for printing including characters to be printed on the passbook. The control unit 80 may transmit the specialized data to the printing unit 90.

The printing unit 90 can print the printing data in the passbook.

FIG. 4 is a flowchart of the passbook arrangement according to the embodiment.

Referring to FIG. 4, a passbook is input to the financial instrument 1. (S101)

The passbook can be inputted through the passbook entry / exit part 14 of the financial instrument 1. [ The passbook input / output unit 14 receives the passbook and informs the control unit 80 that the passbook is inserted.

The financial instrument 1 scans the inserted passbook. (S103)

The scan unit 70 of the financial instrument 1 may scan the passbook. The scan unit 70 may scan the inserted surface of the passbook. The financial instrument 1 may scan the passbook when a user selects a passbook transaction through the user interface unit 11. [ The scan unit 70 may transmit the scanned image data to the control unit 80.

The control unit 80 recognizes characters in the image data. (S105)

The control unit 80 may extract the last factor of the factor of the passbook. The control unit 80 can generate the specialized data through the extracted last factor history and transmit the specialized data to the host server 5. (S107)

The control unit 80 may extract the last factor details of the image data of the scanned image data at a predetermined density or more and transmit the specialized data to the host server 5.

The control unit 80 may extract the final factor of the passbook as shown in FIG. The control unit 80 may extract the final factor of the passbook and transmit the expert data of the factor specification to the host server 5.

The control unit 80 can extract the factor details of the image data over a predetermined concentration. The control unit 80 may extract the last factor details of the image data of the scanned image data at a predetermined density or more and transmit the specialized data to the host server 5. A method for extracting the final factor details of the factor details above a certain concentration is as follows.

For example, the control unit 80 may extract characters having a predetermined density or more from the character information of the image data, and extract the final factor of the factor of characters having the predetermined density or more. The control unit 80 may compare only the preset density and the density of the characters of the scanned image so as to extract only characters higher than preset density among the characters of the image data.

For example, when a plurality of factor details including the first to fourth factor details 71 to 77 are printed on the passbook as shown in FIG. 6, And extracts a second factor specification (73), which is the latest factor of the first and second factor details (71, 73), which are normal factor details composed of characters having the predetermined concentration or more, 5).

As another example, the controller 80 extracts all the factor details of the passbook, then compares the lowest factor among the factor details of the extracted passbook, i.e., the concentration of the last factor and the predetermined concentration, And transmits the lower-level printing history to the host server 5 if it is configured. When the concentration of the lowermost factor details is lower than a preset concentration, the controller 80 sequentially compares the factor details above the compared factor details without sending the lowest factor details, .

For example, as in the first to fourth argument descriptions 71 to 77 of FIG. 6, a plurality of argument details are printed in the passbook. The controller 80 extracts all of the first to fourth factor details 71 to 77 and then outputs a fourth factor detail 77 as the lowest factor among the extracted first to fourth factor details 71 to 77, The preset concentrations are compared. If the fourth factor detail 77 is lower than a predetermined concentration, the controller 80 compares the third factor factor 75 at the upper portion of the fourth factor field 77 with a predetermined concentration. Since the third factor detail 75 is also lower than a preset concentration, the controller 80 compares the second factor specification 73 above the third factor specification 75 with a predetermined concentration. The control unit 80 transmits the second factor details 73 to the host server 5 because the second factor details 73 are composed of characters higher than a predetermined concentration.

The host server 5 compares the argument details of the passbook received from the financial instrument 1 with the print data stored in the host server 5. (S109)

The print data is stored in the host server 5 in advance.

The host server 5 compares the argument details of the passbook and the stored print data to generate print data. (S111)

The argument details of the passbook are normal argument details extracted from the control unit and transmitted to the host server 5. The argument data may be alert data or announcement message data, as well as data related to financial transactions to be printed on the passbook.

If the argument details of the passbook are the same as the stored argument data, the host server 5 generates data indicating that there is no data for the argument to be newly printed.

If the argument details of the passbook are an argument indicative of a transaction at a previous time point of the argument data stored in the host server 5, the host server 5 sends data including a transaction after the argument details of the passbook to the argument data .

In the case where there is no factor history of the passbook, that is, when a new passbook or a blank page is inputted, when the factor data stored in the host server 5 is the last line of the passbook, And if not, generates the prompt message data.

In addition, if the argument details of the passbook are an argument indicative of a transaction at a later time point of the argument data stored in the host server 5, the host server 5 generates the prompt message data to stop the transaction, do. Accordingly, the control unit 80 stops the transaction when the last print data stored in the host server 5 is earlier than the last print data extracted by the control unit 80.

The host server 5 transmits the printing data to the control unit 80 of the financial instrument 1. (S115)

The parameter data may be specialized data.

The host server 5 stores the printing data. In particular, the host server 5 may extract the last print data, which is the last transaction detail of the print data, and store the last print data as the last print data.

The financial instrument 1 receives the printing data and executes a command corresponding to the printing data. (S119)

When the control unit 80 of the financial instrument 1 receives the printing data, the control unit 80 prints the printing data in the passbook through the printing unit 90. [

When the control unit 80 receives the alarm data, it is determined that the passbook is falsified, so that the control unit 80 does not establish the account transaction and performs alarm broadcasting.

When the control unit 80 receives the guidance message data, it notifies that the passbook is mistakenly input through the user interface unit 11 that the page of the passbook is mistakenly input. Or outputs a message to the user interface unit 11 that the page of the passbook is to be re-opened.

The control unit 80 controls to discharge the inserted passbook after all the commands are executed. The control unit 80 opens the passbook entry / exit unit 14 so that the user can obtain the passbook.

The financial apparatus and the financial system according to the embodiment transmit the passbook information scanned through the scan unit 70 to the host server 5, generate the argument data after comparing with the stored passbook information, It is possible to prevent the same contents from being reprinted even when the surface is inserted.

In addition, the control unit 80 compares the factor details of the image data received from the scan unit 70 with the stored factor data of the host server 5, It is possible to keep the stored print data of the printing apparatus 5 in the same state, thereby preventing the user's dissatisfaction.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments. That is, within the scope of the present invention, all of the components may be selectively coupled to one or more of them.

In addition, although all of the components may be implemented as one independent hardware, some or all of the components may be selectively combined to perform a part or all of the functions in one or a plurality of hardware. As shown in FIG. The codes and code segments constituting the computer program may be easily deduced by those skilled in the art. Such a computer program can be stored in a computer-readable storage medium, readable and executed by a computer, thereby realizing an embodiment of the present invention. As the storage medium of the computer program, a magnetic recording medium, an optical recording medium, a carrier wave medium, or the like may be included.

Furthermore, the terms "comprises", "comprising", or "having" described above mean that a component can be implanted unless otherwise specifically stated, But should be construed as including other elements. All terms, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used terms, such as predefined terms, should be interpreted to be consistent with the contextual meanings of the related art, and are not to be construed as ideal or overly formal, unless expressly defined to the contrary.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

1: Financial equipment
5: Host server
14: Passbook entry /
70:
80:

Claims

A passbook entry / exit portion in which a passbook is input and returned;
A scan unit that scans the input surface of the passbook inserted into the passbook input / output unit;
A control unit for extracting an argument from the scan image data scanned by the scan unit and delivering the argument to the host server; And
And a print unit for performing an operation on the passbook through the print data transmitted from the host server under the control of the control unit,
Wherein the control unit compares the factor information extracted from the scan image data with a preset density and extracts the last factor content among the factor details of a predetermined concentration or more and transmits the extracted factor information to the host server.

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The method according to claim 1,
And the data transmitted from the host server is data for argument to be printed on the passbook.

6. The method of claim 5,
Wherein the parameter data to be printed on the passbook compares the last factor of the factor history extracted by the controller with the last factor data stored in the host server.

The method according to claim 6,
Wherein the controller controls to stop the transaction when the last factor data stored in the host server is earlier than the last factor extracted by the controller.

The method according to claim 1,
And the control unit controls to output a guidance message when there is no argument details of the passbook.

The method according to claim 6,
And prints data after the extracted last factor if the last factor of the factor history extracted by the controller is earlier than the last factor data stored in the host server.

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