KR200343332Y1 - System for transacting work of check - Google Patents

Abstract

The present invention relates to a check business processing system, comprising: an image scan processing unit scanning a check ticket inputted to obtain a check image which is an image of the check ticket; A check for recognizing at least one kind of characters of magnetic and optical letters of the check ticket, and reading basic check information including at least one of the book type, amount, payment place, issue place, and issue number of the check ticket. Information reading unit; A check ticket printing unit for printing check printing information to be printed on the check ticket; A check right transfer unit for transferring the check right; A data storage unit for storing the check image acquired by the image scan processing unit and the check basic information read by the check information reading unit; And control the image scan processing unit, the check information reading unit, the check right transfer unit, and the data storage unit, and automatically input the check basic information into an input field of a check transaction screen for processing a check processing task of a responsible employee. The control unit; characterized in that it comprises a. In this way, in accordance with the request of the customer, in the check processing work in which the employee in charge checks, the amount of work and error of the employee can be reduced, and the printing to be printed on the check right can be performed immediately, When counterfeit checks are identified, information about bankruptcy or counterfeit checks can be queried efficiently.

Description

Check for business processing system {System for transacting work of check}

The present invention relates to a check processing system, and more specifically, to issue a check ticket corresponding to a check processing process when a customer visits a store to request a check processing process in a financial or customer service related industry. When a check ticket is inserted into a check processing device for business processing or storing business processing, the check basic information of the checked check ticket is recognized and the check basic information is automatically input into the input field of the check transaction screen. The present invention relates to a check business processing system capable of performing both sides of scanning and storing and immediately performing printing to be printed on the inserted check tickets.

Checks are securities in which the issuer consigns a fixed amount of payment to the payer (financial institution) to the recipient or other legitimate holder. The check is a means of securitizing the bonds together with the draft to ensure repayment of the bonds and to facilitate the circulation of the bonds. .

A check issued by a financial institution in Korea records the amount, payment address, issue place, issue number, and date of year. These data are recorded at the bottom of the check ticket in magnetic letters in dotted lines. On the other hand, bank stores are equipped with machines that process these checks in batches. A bank store prepares a check before starting work with this machine.In the case of a flat ticket, the headquarters receives a check ticket printed with only the amount and the check number.The branch name, the branch manager's name and the ticket type, amount, payment address, issue place and issue number Print a large number of basic information such as checks and, in the case of non-scheduled bills, input the amount into the input device of the machine and print it like a flat ticket or prepare to print the amount through a transaction.

Now, when a customer who visits a financial institution requests a check issuance, the employee of the financial institution calls the check transaction screen on the teller terminal device and inputs the check number of the check prepared before the start of the operation. The check issuance service is processed by inputting in the input field. If there are many checks, only the serial number and the number of copies can be entered to process the check issuance service.

On the other hand, when a customer who visits a financial institution requests a check deposit service, the employee calls the transaction screen from the teller terminal device, and in the case of a check, enters the check number and the issuer to process the check collection service and receives the received check. Seals the seal 'PAID' and keeps it for 10 years in our vault. In the case of other checks, on the check transaction screen, check only the amount of money as the other check distinction value, and simply enter the total amount to process the check collection service.After the closing of the bank window, the other checks received from the customer are sent to the microfilm machine. After taking two-sided pictures, the checks are physically transferred to the current funding department for payment and bill exchange.The funding department separates the checks for each bank using a check sorting machine, and then transfers them to the financial settlement agency. In addition, the checks collected at the KFTC will be cashed for each bank.

However, in the conventional check business processing system, in order to issue a check to a customer, the person in charge of the check has to manually enter the check number and amount into the input field of the check transaction screen. In order to store checks from customers, in the case of first checks, the check number and issuing point should be manually entered into the input field of the check transaction screen by hand. Has to be kept at the bank for 10 years, and also has to find and confirm the real thing when it is found as a default or counterfeit check, and there is an inefficient problem in retrieving information about the default or counterfeit check. And the real thing to be transferred to the Ministry of Finance and Financial Services Agency, etc. Because of the need for additional work, there is a problem in that the productivity of the branch is lowered and the cashing time of the check is delayed due to the risk of loss of the goods and the movement time.

Therefore, the object of the present invention is to solve such a conventional problem, in the check processing task in which the employee in charge handles the check in accordance with the request of the customer, it is possible to reduce the amount of work by the employee and errors caused by manual work. It is possible to provide a check processing system that can immediately print the prints that should be printed on the bank, and can efficiently retrieve information about the bankrupt or counterfeit checks when they are identified as bankrupt or counterfeit checks.

In addition, another object of the present invention is to improve the business productivity of the sales office by cashing the check image and the read check basic information directly to the external system that can process the line-related financial business, and to cash the line check A check processing system is provided to efficiently redefine the check processing process, such as to reduce the time required.

1 is a hardware configuration of the check business processing system according to the present invention,

2 is a perspective view of a check processing apparatus of the check business processing system according to an embodiment of the present invention;

3 is a side view of FIG.

4 is a block diagram of a check business processing system according to the present invention;

5 is a flowchart illustrating a check business processing method using the check business processing system according to the present invention.

* Explanation of symbols for main parts of the drawings

1: Check business processing system 10: Image scanning processing unit

20: Check information reading 30: Check ticket printing department

40: check transfer unit 50: data storage unit

60: control unit 100: account system host

110: external system 120: check processing server

130: Teller terminal device 131: Input field of the check transaction screen

140: check processing device 141: image scanner

142: magnetic ink character reader 143: printing press

144: check transfer device 145: check inlet

146: check outlet 147: check return return

148: LED (Light Emitting Diode) and button

The object is, according to the present invention, an image scan processing unit for scanning a check ticket is entered to obtain a check image that is an image of the check ticket; A check for recognizing at least one kind of characters of magnetic and optical letters of the check ticket, and reading basic check information including at least one of the book type, amount, payment place, issue place, and issue number of the check ticket. Information reading unit; A check ticket printing unit for printing check printing information to be printed on the check ticket; A check right transfer unit for transferring the check right; A data storage unit for storing the check image acquired by the image scan processing unit and the check basic information read by the check information reading unit; And control the image scan processing unit, the check information reading unit, the check right transfer unit, and the data storage unit, and automatically input the check basic information into an input field of a check transaction screen for processing a check processing task of a responsible employee. It is achieved by the check business processing system comprising a; control unit.

In this case, when the check processing service is a task for issuing a check, the check printing information is information about an issue date. When the check processing service is a task for storing the check, the check printing information is a storage date. It is preferable to include at least one of a check depositor's name, social security number, address, and account number.

In addition, when the check processing task is a task for storing the check and the check is a non-line check, the control unit transmits the check image and the check basic information to an external system capable of processing the line-related financial services. This is more advantageous in that it can improve the business productivity of the branch and reduce the time it takes to cash out a check.

Hereinafter, with reference to the accompanying drawings will be described in detail for the subject innovation.

1 is a hardware configuration diagram of a check processing system according to the present invention, as shown in this, the check business processing system 1 according to an embodiment of the present invention, the check image and the image of the scanned check ticket and Check processing server 120 for storing basic check information such as the book type, amount, payment address, issue place and issue number of the check ticket read from the check ticket, and a teller terminal device arranged to be used by the employee in charge of each window ( 130) scan the image of the checkbook entered for check processing, read basic check information on the checkbook, perform printing that should be printed on the checkbook, and arrange it for use by the employee in charge. It is provided with a check processing device 140, the accounting host 100 for processing the financial business, the external system 110 and the network system that can process other related financial business As it is interconnected. In addition, the teller terminal device 130, which is a computer that employees use for financial services, is connected to each other using the check processing device 140 and the USB port.

2 is a perspective view of a check processing apparatus of the check processing system according to an embodiment of the present invention, Figure 3 is a side view of Figure 2, as shown in these figures, check service according to an embodiment of the present invention The check processing apparatus 140 of the processing system 1 includes a check inlet 145 into which a check ticket is inserted for processing of a customer who has visited a financial institution, and an image scanner 141 which scans an image of the checked check ticket. And, a self-ink character reader 142 to read the basic check information, a printing machine 143 for printing the check printing information to be printed on the check ticket to be inserted into the check ticket, a check transfer device for transferring the check ticket to be inserted ( 144), a check discharge port 146 through which the printed check ticket is discharged, an LED (Light Emitting Diode) and a button 148 for error generation and error processing, and a check ticket is returned when an error occurs. The check return port 147 is provided.

When a customer who visits a store requests a worker to issue a check, the employee calls the corresponding task from the check transaction screen of the teller terminal device 130 and checks one or more checks in the check inlet 145 of the check processing device 140. The ticket is input, and the check processing apparatus 140 transfers the checked ticket by one by one. When the check ticket arrives at the image scanner 141 during transfer, an image of the check ticket is scanned, and when the check ticket arrives at the magnetic ink character reader 142, the check basic information is read, and the check image and the check basic information are checked. It is transmitted to the processing server 120 and stored. The controller 60 to be described later mounted on the teller terminal device 130 or the check processing server 120 transfers check basic information to the input field 131 of the check transaction screen of the checker terminal device 130 of the employee in charge. Auto input. On the other hand, when the check ticket arrives at the printing press 143, the control unit 60 transmits the check printing information to be printed on the check ticket, for example, the issue date and the like, to the check processing apparatus 140 so that the printing press 143 checks this information. Print on the volume. Business processing result data of the check transaction screen is transmitted to the accounting host 100 connected to the teller terminal device 130 by the control unit 60, the employee in charge transfers the check discharged from the check outlet 146 to the customer. This terminates the check issuance service.

On the other hand, when the customer who visited the store asks the employee to deposit the check, the employee calls the task in the teller terminal device 130 and puts the check ticket to the check processing device 140, the image scanner 141 check The check image is obtained by scanning the image of the book, and the magnetic ink character reader 142 recognizes the check right and reads the check basic information. The check image and the check basic information are processed by the checker 60 to be described later. To be sent to the server 120. The controller 60 mounted in the teller terminal device 130 automatically inputs check basic information into the input field 131 of the check transaction screen of the teller terminal device 130. On the other hand, the printer 143 receives a print command from the control unit 60 of the teller terminal device 130 to print the date of receipt, check depositee information, name of the recipient, resident number, telephone number, address, account number and the like. The transaction processing result data of the check transaction screen is transmitted to the accounting host 100, and the employee ends the check receiving operation by arranging the check discharged from the check outlet 146 of the check processing apparatus 140. In this case, if the check is stored in another row and the check processing server 120 is connected to the external financial system 110 and is connected to the financial settlement agency, the controller 60 controls the check transaction screen processed by the employee in charge. Online processing is possible by transmitting the result data of the business process to the external system 110, and the cash processing time of the check according to the information of the check processing business can be shortened, and the tasks such as the back office work, the check counting processing, etc. can be greatly reduced. have.

Figure 4 is a block diagram of a check business processing system according to the present invention, as shown in this, the check business processing system 1 according to an embodiment of the present invention, obtains a check image by scanning the check ticket is entered A check information reading unit 20 for recognizing the magnetic text of the check ticket, and reading basic check information such as the book type, amount, payment place, issue place, and issue number of the check ticket, Check check printing unit 30 for printing the check printing information to be printed on the check ticket, the check ticket transfer unit 40 for transferring the check ticket, and the check image and check information obtained from the image scanning processing unit 10 Data storage unit 50 for storing the check basic information read from the reading unit 20, the image scanning processing unit 10, check information reading unit 20, check ticket transfer unit 40 and data storage unit 50 Check transaction to control the check processing of the employee in charge. And a control unit 60 that automatically, the check default information in the input field of the surface 131.

Here, the image scan processing unit 10 corresponds to an image scanner. In the present embodiment, the image scanner 141 is implemented as the image scanner 141, and the check ticket is inserted into the check processing apparatus 140 according to an embodiment of the present invention. In order to scan both sides, two image scanners 141 are mounted.

And the check information reading unit 20 corresponds to a magnetic ink character recognition (MICR: Magnetic Ink Character Recognition), in the present embodiment is implemented by the above-described magnetic ink character reader 142 of the check processing device 140, Two sets are mounted to recognize the MICR information recorded on the ticket in both directions. 3 is a cross-sectional view of only one magnetic ink character reader 142 mounted horizontally.

In addition, the check ticket printing unit 30 is to print the check ticket printing information transmitted from the control unit 60 is implemented in the printing machine 143 described above in the present embodiment. And the check ticket transfer unit 40 is implemented by the above-described check transfer device 144 in this embodiment to provide a rotary transfer path. The data storage unit 50 may be implemented in the check processing server 120, but may be implemented in the teller terminal device 130.

Meanwhile, the control unit 60 is implemented in the teller terminal device 130 or the check processing server 120, and stores the check image and the check basic information acquired and read from the check processing device 140 in the data storage unit 50, respectively. Check or read check basic information is automatically input into the input field 131 of the check transaction screen of the teller terminal device 130.

By such a configuration, a check business processing method using the check business processing system according to the present invention will be described.

5 is a flowchart illustrating a check business processing method using the check business processing system according to the present invention. As shown in the drawing, when a customer first visits and requests a check business from a worker in charge, the employee is a teller terminal device 130. After calling the check business transaction screen using the check will be put into the check processing device 140. The image scan processing unit 10, that is, the image scanner 141 of the check processing unit 140 in this embodiment scans the check image, and the check information reading unit 20, that is, the magnetic ink character reader 142 in the present embodiment. The checker reads basic check information. Here, the check image acquired and read out and the check basic information are transmitted and stored by the control unit 60 to the data storage unit 50, that is, the check processing server 120 in the present embodiment, and the check basic information is controlled by the control unit 60. It is transmitted to the input field 131 of the check transaction screen of the teller terminal device 130 so that information is automatically input to a specific input field of the check transaction screen. Thus, the employee does not need to manually input the check number and amount into the input field 131 of the check transaction screen by hand when processing the check issuing business. There is no need to manually enter the input field 131 of the check transaction screen to perform the check processing business.

Thereafter, the employee causes the control unit 60 to print check printing information on the check ticket into which the control unit 60 is input through an input unit (not shown) of the teller terminal device 130. The check processing screen data of the check transaction screen is transmitted to the accounting host 100 by the control unit 60, the employee delivers or organizes the check processing discharged from the check processing device 140 to the corresponding customer check processing business Will be terminated. If the checked check is a foreign currency, the control unit 60 generates a transaction with the external system 110, which can reduce the time required to cash the other check by real-time online processing, thereby improving the customer service compared to the conventional one. It becomes possible.

As described above, when a customer visits a store in a financial or customer service-related industry to request a check processing, a check ticket is issued to the check processing device for issuing or storing a check ticket corresponding to the check business processing. ) Checks the basic check information from the entered check ticket and automatically inputs this information into the input field 131 of the check transaction screen of the teller terminal device 130 of the employee in charge. It can reduce the number of documents, print immediately to be printed on the check ticket, and obtain a check image by scanning both sides of the inserted checks. You can query.

In addition, when the control unit 60 transmits the scanned check image and the checked check basic information to the external system 110 capable of processing other related financial business, the check business processing procedure can be efficiently re-established.

In the above-described embodiment, the data on the basic check information, including the book type, amount, payment address, issue place, and issue number of the check ticket is recorded in magnetic letters at the bottom of the check ticket and accordingly the check information reading unit 20 ) Is a Magnetic Ink Character Recognition (MICR) device, but the check information reading unit 20 may be an Optical Character Recognition (OCR) device. Of course.

In addition, in the above-described embodiment, the data storage unit 50 is implemented in the check processing server 120, but the data storage unit 50 may be implemented in the teller terminal device 130.

As described above, according to the present invention, in the check processing task in which the employee in charge handles the check according to the customer's request, the amount of work and error of the employee can be reduced, and the printing to be printed on the ticket can be immediately printed. A check processing system is provided that allows for efficient retrieval of information about a default or counterfeit check when it is identified as a default or counterfeit check.

In addition, by directly transmitting the scanned check image and the read check basic information to the external system 110 that can process the line-related financial affairs, it is possible to improve the business productivity of the branch and cash the other checks. A check processing system is provided to efficiently re-establish check processing procedures, such as mitigation.

Claims (3)

An image scan processing unit scanning a check ticket to be input to obtain a check image which is an image of the check ticket; A check for recognizing at least one kind of characters of magnetic and optical letters of the check ticket, and reading basic check information including at least one of the book type, amount, payment place, issue place, and issue number of the check ticket. Information reading unit; A check ticket printing unit for printing check printing information to be printed on the check ticket; A check right transfer unit for transferring the check right; A data storage unit for storing the check image acquired by the image scan processing unit and the check basic information read by the check information reading unit; And Controlling the image scanning processing unit, the check information reading unit, the check transfer unit, and the data storage unit, and automatically inputting the basic check information into an input field of a check transaction screen for processing a check processing task of a responsible employee; Check business processing system comprising a; control unit. The method of claim 1, When the check processing service is a task for issuing a check, the check printing information is information about a date of issue. When the check processing task is a task for storing the check, the check printing information is a receipt date and the check depositor. Check business processing system comprising at least any one of a name, resident registration number, address, account number. The method according to claim 1 or 2, When the check processing service is a task for storing the check and the check is a check on the other line, the control unit transmits the check image and the check basic information to an external system capable of processing the line related financial service. Check business processing system.