KR20030079832A - Check automatic issue system and method - Google Patents

Abstract

PURPOSE: A system and method for automatically issuing a check is provided to reduce a cost and improve convenience of a client by enabling the client to receive an issued check of an account directly. CONSTITUTION: It is checked whether bankbook or card information of a client and a series of key signals are inputted for receiving an issued fixed check through an input unit(S31). If financial related information of the client and the series of key signals are inputted, check issuing details requested by the client are confirmed from an inputted key signal(S32). An operation of a paper feeding control unit is controlled and a corresponding check paper is fed(S33). A branch office code of an issuing branch office and an account number and the money are printed on the fed check paper(S34). An issuing date, an issuing place, and a branch manager seal are printed on the check paper using an unchangeable ink(S35). If the corresponding check is a fixed amount check(S36), the check is output with a receipt(S38). If the corresponding check is not a fixed amount check, an amount of money inputted by a client is printed on the check(S37).

Description

CHECK AUTOMATIC ISSUE SYSTEM AND METHOD}

The present invention relates to an automatic check issuing system and method, and more particularly, to a check automatic issuing system and method that allows a customer, such as a bank, to automatically receive funds directly or fixed checks.

In general, if a customer wants to withdraw funds from his or her account by check at a financial institution, such as a bank, prepare a withdrawal slip to fill out the withdrawal slip that must include the required information such as account number, amount, password, name and social security number. The check will then be issued according to the check issued by the teller.

In this case, the checks that can be issued by the customer include a flat check, in which the amount of the check is printed in advance, such as 10, 30, 50, 100, 500, 10 million won, etc. There is a non-scheduled check, the conventional process of issuing a check as shown in FIG.

That is, when a customer prepares a withdrawal slip and submits it to a teller in order to receive a fixed amount of check (S11), the teller receives a check sheet for the issue to which the amount is designated and printed (S12). Using a printing machine on the ground, the branch code, account number and amount of the issuing bank branch are printed in MICR (Magnetic Ink Character Recognition) format (S13).

Subsequently, the counter staff checks both sides of the issuance date, the payment address, the name plate indicating the branch name, the branch manager's name, the branch manager's seal, and the exchange clearing symbol by using a sealer using invariant ink on the check sheet (S14). In step S15, the securities check is issued to the customer.

In addition, as shown in FIG. 2, the issuance process of the non-checked check is a customer's withdrawal slip preparation and submission step (S21), a check sheet issuance step (S22), MICR contents factor step (S23), name plate contents The stamping step (S24) is performed in the same manner as the conventional issuance of a fixed check, and then prints the amount of the payment written by the customer on a check sheet (S25), and then confirms with the clerk in charge. (S26) The customer issues a non-confirmed check in which the issuing process is completed (S27).

However, the method of issuing a check of a teller manually made according to the conventional customer's withdrawal slip preparation and submission has the following problems.

In other words, for customers who use financial institutions such as banks, it is not only cumbersome and inconvenient to prepare a withdrawal slip every time a fixed or unchecked check is issued.In addition, account number, password, social security number There is a risk of security because personal information such as can be exposed to others.

In the case of a financial institution such as a bank, the counter staff uses separate equipment such as a printing machine, a stamper, and a printing machine to apply the branch code, account number, amount, date of issue, payment address, name plate, branch manager's name, seal, etc. There is a high risk of deteriorating work efficiency / efficiency and quality of service to customers due to complex and expensive heavy tasks such as printing, stamping and printing on check sheets.

The present invention has been made to solve the above problems, the purpose of which is the process of issuing various content factors, stamping, amount printing, etc. for the semen or non-settle check in accordance with the input information of the customer who wants to issue a semen or an unsecured check By automatically performing the service, banks and other financial institutions allow customers to receive funds automatically from their own accounts by checks without going through the window staff. Therefore, the bank staff can reduce expenses and simplify the use of customers. It is to provide an automatic check issuing system and method to further increase.

1 is a flowchart illustrating an operation of issuing a conventional straight check.

2 is a flowchart illustrating an operation of issuing a conventional non-confirmed check.

3 is a block diagram of an automatic check issuing system according to the present invention.

4 is a flowchart illustrating an automatic check issuing method according to the present invention.

<Description of Symbols for Main Parts of Drawings>

1: input means 2: storage means

3: paper feed control means 4: display means

5: main control means 6: printing means

7: stamping means 8: amount printing means

9: check and receipt output means 10: MICR recognition means

11: scanning means

Check automatic issuing system according to the present invention for achieving the above object, corresponding to a series of function keys and numeric keys for inputting financial-related information through the customer's bankbook or card, or to receive a fixed or unchecked check An input means for inputting the issued key signal, storage means for storing program data and control data necessary for the process of issuing a straight-line or unchecked check, and storing image data of a final-issued straight-line or unchecked check; A paper conveyance control means for conveying a check sheet to cause printing, stamping, and printing of the amount on the check sheet, a display unit for displaying a selection menu screen and a process for issuing a flat-rate or non-checked check; Branch code, account number, and gold of the issuing point on the fixed or unchecked check paper conveyed by the paper conveying control means Issuance date, payment address, name plate, branch manager's name, branch manager's seal, exchange arrangement by using printing means for printing the amount in MICR format and using invariant ink on the fixed or unchecked check paper whose contents have been printed by the printing means. Through stamping means for stamping the symbol on both sides, printing amount printing means for printing the amount of money entered by the customer on the non-fixed check paper whose contents have been stamped by the stamping means, and the printing means, stamping means, and printing amount means. Check and receipt output means for outputting the corresponding flat or non-fixed checks and receipts for which printing of prints, stamps, and amounts is completed, and the fixed or non-fixed checks desired by the customer according to the information and key signals inputted through the input means. Of the storage means, paper conveyance control means, display means, printing means, stamping means, money printing means, check and receipt output means Characterized in that the main control means for controlling the operation.

In addition, the check automatic issuing method according to the present invention includes a first step of determining whether a user's bankbook or card information and a series of key signals for issuing a fixed or unchecked check are inputted through an input means, and the first step. As a result of the determination of the step, when the financial related information of the customer and the key signal for issuing a check are input through the input means, a second step of checking a check issuance history requested by the customer from the input key signal, and the second step A third step of controlling the operation of the paper conveyance control means according to the result of the confirmation and transferring the corresponding check paper among the check papers to be issued; and the semen or non-confirmed check conveyed by the paper conveyance control means in the third step. A fourth step of printing the branch code, the account number and the amount of the issuing point in the form of a MICR through the printing means on the sheet; A fifth step of double-sided stamping the publication date, payment address, name plate, branch manager's name, branch manager's seal, and exchange clearing symbol by using invariant ink on the fixed or unfixed check paper with the contents printed thereon; After the step is performed, if the check is a fixed check, the printed check and the completed fixed check are printed on the check and the receipt output means together with the receipt. The sixth step is to print the amount entered by the customer on the non-scheduled check paper with the contents stamped, and then output the check, receipt, and receipt printing means along with the receipt of the non-confirmed check that has been printed, stamped, and printed. It is characterized by.

Hereinafter, with reference to the accompanying drawings will be described in detail the automatic check issuing system and method according to the present invention.

3 is a block diagram of the automatic check issuing system according to the present invention, through the information of the bankbook or card possessed by the customer to enter the customer's financial information, such as account number, password, name, social security number, or fixed or unfixed amount An input means (1) for inputting a key signal corresponding to a series of function keys and numeric keys for issuing a check, program data and control data necessary for the process of issuing fixed or unchecked checks, and finally Or storage means (2) for storing image data of a non-scheduled check, and a paper conveying control means for transferring a check paper of an issued object to be printed, stamped, or printed on the check paper. (3) and to automatically issue the customer's desired fixed amount or fixed amount check in accordance with the information and key signal input through the input means (1). Under the control of the storage means 2 and the sheet conveyance control means 3, and various means to be described later, and the main control means 4, and the control of the main control means 4, the selection menu screen and the fixed or non- MICR for displaying the branch code of the issuing bank branch, the account number, and the amount on the fixed or non-fixed check sheet conveyed by the paper conveying control means 3 and the display means 5 for displaying the issuance process of the fixed amount check on the screen. Issuance date, payment address, name plate, branch manager name, branch manager seal using printing means 6 for printing in form, and invariant ink on fixed or unchecked check paper whose contents have been printed by the printing means 6 A stamping means (7) for double-sided stamping the exchange clearing symbol, an amount printing means (8) for printing the amount of money entered by the customer on a non-secured check paper whose contents have been stamped by the stamping means (7), The printing means (6), the stamping means (7), A check and receipt output means 9 for finally outputting a fixed or non-confirmed check that has been printed, stamped, printed on the amount, and a receipt in which the transaction information is written through the amount printing means 8.

Then, the automatic check issuing system according to the present invention prints the contents of the MICR type letters, that is, the contents printed by the printing means 6, which are printed on the straight-line or non-scheduled checks before the final output through the check and receipt output means 9. It further comprises a recognizing MICR recognizing means (10) and a scanning means (11) for scanning semen or non-scheduled checks before final output through the check and receipt output means (9).

The operation of the automatic check issuing system according to the present invention configured as described above will be described with reference to the operation flowchart of FIG. 4.

First, the main control means 4 of the automatic check issuing system, the customer who finds a financial institution such as a bank, enters his bankbook or card through the input means 1 of the automatic check issuing system, In operation S31, it is determined whether a series of selection keys for receiving a non-confirmed check is input.

In other words, the customer's financial information such as account number, password, name, social security number, etc. embedded in the bankbook or card are entered, and various function keys for selecting the corresponding checks and checks, and various numeric keys for setting amounts It is to check whether the key signal has been input.

In this case, the input means 1 may be configured in the form of a touch screen or a pin-pad to facilitate customer convenience.

In addition, the display unit 5 displays the selection menu screen as well as the process of issuing a fixed amount or a fixed amount check on the screen, so that the customer can check the check issuance process safely.

Subsequently, as a result of the determination in step S31, if the financial related information of the customer and a key signal for issuing a check are input through the input means 1, the check issuance history requested by the customer is checked from the input key signal. (S32).

That is, the main control means 4 checks whether the check to be issued by the customer is a fixed check or a non-checked check, how much the check amount is, and in the case of a fixed check, how many ten thousand won tickets are checked. .

After the checking operation of the step (S32) is finished, the main control means 4 controls the operation of the paper transfer control means 3 to transfer the check paper corresponding to the check paper of the object to be loaded (S33).

That is, the sheet conveyance control means 3 controls the conveyance such that printing, stamping, printing of the amount of money, etc., proceeds on the corresponding check sheet.

Subsequently, under the control of the main control means 4, the printing means 6 writes the branch code, the account number and the amount of the issuing bank branch on the fixed or unchecked check sheet conveyed by the paper conveying control means 3. Print in MICR format (S34).

Subsequently, under the control of the main control means 4, the stamping means 7 uses the invariant ink on the fixed or non-checked check paper whose contents have been printed by the printing means 6 to issue the issue date and payment address. , The name plate indicating the name of the branch, the name of the branch manager of the branch, the seal of the branch manager, the exchange clearing sign on both sides (S35).

When the printing and stamping step is completed as described above, the main control means 4 determines whether the check to be issued is a straight check or an unchecked check (S36). The final check through the check and the receipt output means 9 so that the customer can be issued with the receipt in which the corresponding transaction information is completed through the printing of the factor and the stamp through (7) (S38).

In the case of a non-confirmed check, after printing the amount input by the customer on the non-confirmed check sheet whose contents have been stamped by the indentation means (S37), the non-condensed check is printed. The fixed amount check is finally output through the check and receipt output means 9 so that the customer can be issued with the receipt in which the corresponding transaction information is written (S38).

On the other hand, in the MICR recognizing means 10, under the control of the main control means 4, the MICR type of characters imprinted on the straight-line or non-sperm check before being finally outputted through the check and receipt output means 9, that is, printing The contents printed by means 6 are recognized.

Then, the scanning means 11 scans the semen or non-scheduled check before final output through the check and receipt output means 9 under the control of the main control means 4, and the image data of the scanned check. To store in the storage means (2).

That is, in the present invention, the MICR recognition means 10 can automatically check whether the printing means 6 is abnormal, and store the image data of the check scanned by the scanning means 11. ) So that they can cope with financial incidents such as tracking and checking checks afterwards.

As described above, according to the present invention, according to the input information of a customer who wants to issue a fixed or unchecked check, by automatically performing various content factors, stamping, and printing of the amount of the fixed or unchecked check, etc. In financial institutions such as banks, it is possible to automatically issue a check to a customer's account directly without going through a teller.

That is, due to the automatic check issuing system according to the present invention, check processing time is reduced, banking is simplified, inefficiency due to purchase of separate equipment such as printing machines, stampers, and printing machines, and efficient use, use, and transaction of bank office space. It is expected to not only realize the best satisfaction and impression by providing high quality services to customers, such as improving the convenience of customers, but also to play a role in enhancing the external competitiveness of the financial institutions, attracting customers and productivity.

Claims (6)

Input means for inputting financial-related information through a customer's bankbook or card, or inputting a key signal corresponding to a series of function keys and numeric keys for issuing fixed or unchecked checks; Storage means for storing program data and control data necessary for the issuance of fixed or non-confirmed checks, and storing image data of the last-issued fixed or non-contracted checks; A paper conveying control means for conveying a check sheet to be issued and causing a process of printing, stamping and printing the amount of money on the check sheet; Display means for displaying a selection menu screen and a process of issuing a straight-line or non-scheduled check; Printing means for printing a branch code, an account number, and an amount of an issuing point in a MICR format on a flat or unfixed check sheet conveyed by the paper conveying control means; A stamping means for double-sided stamping of the issue date, payment address, name plate, branch manager's name, branch manager's seal, and exchange rearranging code by using invariant ink on the fixed or non-checked check paper whose contents have been printed by the printing means; An amount printing means for printing an amount input by a customer on a non-scheduled check sheet whose contents have been stamped by the stamping means; A check and receipt output means for outputting the fixed or non-fixed check and receipt for which printing, stamping, and printing of the amount is completed through the printing means, stamping means, and amount printing means; The storage means, the paper conveying control means, the display means, the printing means, the stamping means, the money printing means, the check and the like so as to automatically issue the customer a fixed amount or a fixed amount check desired by the information inputted through the input means and the key signal. Check automatic issuing system, characterized in that the main control means for controlling the operation of the receipt output means. The method of claim 1, MICR recognizing means for recognizing the contents of the MICR format printed on the straight-line or non-settlement check before being output through the check and receipt output means; Check issuing system, characterized in that it further comprises a scanning means for scanning the semen or unchecked check before being output through the check and receipt output means. The method of claim 1, Check issuing system, characterized in that the input means is a touch screen. The method of claim 1, Check automatic issuing system, characterized in that the input means is a pin-pad. A first step of determining whether a user inputs a bank account or card information and a series of key signals for issuing a fixed or unchecked check through an input means; A second step of confirming a check issuance history requested by the customer from the inputted key signal when the financial related information of the customer and a key signal for issuing a check are input through the input means as a result of the determination in the first step; A third step of controlling the operation of the paper conveying control means according to the result of the checking of the second step to transfer the corresponding check paper among the check papers to be issued; A fourth step of printing a branch code, an account number, and an amount of an issuing point in a MICR format through printing means on a fixed or non-confirmed check sheet conveyed by the paper conveying control means in the third step; Both the issue date, payment address, name plate, branch manager's name, branch manager's seal, and exchange rearrangement symbol are double-sided by using invariant ink by means of stamping on the fixed or unchecked check paper whose contents have been printed by the printing means in the fourth step. The fifth step of stamping, After performing the fifth step, if the check is a straight check, the printed check and the completed fixed check are printed out through the check and the receipt output means together with the receipt. Printing the amount entered by the customer on the non-confirmed check sheet whose contents have been stamped by the user, and outputting the non-confirmed check, which has been printed, stamped, and printed, together with the receipt through the check and receipt output means; Check issuing method, characterized in that consisting of steps. The method of claim 5, Recognizing the contents of the MICR format printed on the seminal or non-sperm check before being output in the sixth step through a MICR recognizing means; And scanning the fixed or non-scheduled check before outputting in the sixth step through the scanning means, and storing the image data of the scanned check in a storage means.