KR20060131097A - Method and apparatus for handling check closing in check closing machine - Google Patents

Abstract

A check closing handling method and apparatus using a check closing device are provided to improve the operation efficiency of a check closing process by automatically classifying checks and stamping on the classified checks. A check inlet unit(106) receives checks. A counter(115) counts the number of received checks. An MICR(Magnetic Ink Character Recognition) reader(109) reads MICR data from the check. A classifier(118) classifies the checks, whose MICR data is read, according to a predetermined classification criterion. A memory(127) stores various data. A stacker unit(124) includes plural stackers, where the classified checks are contained. A display(133) displays the number and value of the checks on a screen. A stamper(121) performs stamping on the classified checks. A controller(103) controls the classifier according to the authenticated result of the MICR data.

Description

Method and apparatus for closing checks using check closing machine {Method and apparatus for handling check closing in check closing machine}

1 is a block diagram of the check finisher of the present invention.

2 is a view showing an approximate view of the check finisher of the present invention.

3 is a flow chart showing a process of performing a check closing process in the check finisher of the present invention.

4 is a screen example showing how the check data classified by stacker is displayed on the screen after the check closing process is completed in the check closing processor of the present invention.

<Explanation of symbols on main parts of the drawings>

100-Check finisher 103-Controls

106-Check insertion section 121-Printing section

109-MICR reader 124-Stacker unit

112-Image Reader 127-Storage

115-Counter 130-Key Control

118-Separator 133-Display

The present invention relates to a check closing processing method and apparatus using a check closing processing machine, and more particularly, when a check closing process is carried out by an automated member without having to manually classify and staff the sub-banks and other banks. The present invention relates to a check closing method and apparatus using a check closing processor for automatically classifying and stepping a processed check.

Currently, financial institutions such as banks and post offices are installing and operating cash dispensers (CDs) in order to reduce labor costs and shorten the processing time according to the development trend of each unmanned automation device. This cash / check automatic teller machine has a card slot, bank account slot, statement return section, bill release section, and display section. By performing the payment through the bill discharge unit, the user can conveniently receive cash or check.

However, when a bank or a financial institution performs the closing of a deposited check, the clerk checks the bank that issued the check daily without such an automated device, classifies the check, and performs excessive stepping and image storage. It should be. Therefore, when classifying a small amount of checks, check sorting or stepping may be easy.However, when classifying a large number of checks and stepping, it is necessary to spend all of the business hours by classifying the checks by bank. There was an inefficient problem, and there was a problem in that manpower was wasted and work efficiency was deteriorated due to the simple classification work. In order to secure this, a check classifier has been proposed, but there is a problem in that it is inconvenient to use due to the expensive and large size of the machine.

The present invention has been made in view of the above points, and when a closing process is required for a large amount of checks, the work is automatically saved by the stepping and the stepping operation, which not only saves work time, but also wastes of labor and work efficiency due to a simple sorting work. It is to provide a check closing method and apparatus using a check closing processor to prevent degradation.

In order to achieve this object, the present invention, upon receipt of a check, executes a MICR reading and, if the MICR data is normal, determines which classification the check belongs to according to the MICR classification criteria. Read and save the check image. Implement stamping on transferred checks and transfer checks sorted according to sorting criteria to the stacker. The amount of the transferred check is indicated.

At this time, it is preferable to set whether to manually process MICR unread and check check before deposit is made.If the check is deposited, perform MICR reading and if the MICR data is normal, according to the preset MICR classification standard. Determine which category the check belongs to. If the MICR data is not normal and the manual processing for the unread MICR is set, the MICR data is read manually. The classification criteria include a bank code, and it is preferable that the user can set it arbitrarily.

In addition, if the manual processing for the non-MICR readout is not set or the MICR data is not normal, an error message is output to the screen and a check is returned. The MICR data preferably includes a bank code, an amount of money, and a kind of check. In addition, the setting value at the time of setting the classification criteria preferably includes whether the image is stored and the storage period. In this case, the storing of the image means scanning and storing the check number, date, issuer or signature of the endorser. In addition, the stamping is preferably to be stamped separately according to whether the check issuing bank is own bank or another bank.

The present invention also provides a check inputting unit for receiving a check, a counting unit for counting checks accepted by the check inputting unit, a MICR reading unit for reading the MICR data of the check, and a MICR reading unit for reading. A splitter unit for classifying the checked checks according to a classification standard set by a user, a stacker unit including a plurality of stackers for stacking checks classified and sorted according to the classification criteria, a storage unit for storing various data; If the display unit displays the amount of the check received and the number of the counted check on the screen, the printing unit for implementing a stamping function on the sorted check, and the MICR data read by the MICR reader, the classification criteria In accordance with the control unit to control the check to sort through, and the control unit for controlling to implement a stepping function to the check sorted through the printing unit.

The various data stored in the storage unit include a check reference value, an image setting value, a check image, and the like. The sorting standard may be arbitrarily set by a user and includes a bank code.

The check finisher may further include an image reader configured to read an image of a check and transmit the check image to a storage unit according to a preset setting value, and the setting value may be arbitrarily set by a user. Do.

The image is stored by scanning the issue number, date, issuer or signature of the endorsement of the check. The control unit is classified according to whether the check issuing bank is own bank or another bank when stamping through the printing unit. Control to stamp.

The storage unit stores a setting value relating to whether or not to manually read the MICR unread, and when the control unit receives a message indicating that the MICR data is not normal from the MICR reading unit, the storage unit manually stores the MICR unread. If the set value of the process is read and the set value can be manually processed, control is performed to read the MICR data manually. At this time, if a manual process for unread MICR is not set in the storage unit, the controller controls to output an error message on the screen and transfers the check to the reject box.

In addition, when the controller receives a message indicating that the MICR data is not normal from the MICR reader, the controller controls an error message to be displayed on the screen and transfers the check to the reject box. When classified as a stacker, the read check data is transmitted to the storage unit and controlled to be stored and displayed on the screen.

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

1 is a block diagram showing the internal configuration of the check processing machine of the present invention, Figure 2 is a view showing a schematic view of the check processing machine of the present invention.

Check finisher 100 of the present invention check check unit 106, MICR reader 109, image reader 112, the counting unit 115, separation unit 118, control unit 103, printing unit It consists of a 121, the stacker part 124, the storage part 127, the key operation part 130, and the display part 133. As shown in FIG.

The check input unit 106 serves to receive a check. The counting unit 115 serves to count checks accepted by the check inserting unit. In one embodiment, the check to be deposited is a check to be disposed of.

When the check is received from the check inserting unit 106, the MICR reader 109 reads the MICR data of the check and transmits the read data to the controller. In this case, it is preferable that the bank code of the check, the bank in which the check is issued, the amount of money, the type of the check, and the like are recognized. The data read checks are sorted by the separating unit 118 according to the classification criteria set by the user. The checks thus classified are collected and sorted by the stacker unit 124 for each stacker according to a classification standard set by a user, and the collected checks are discharged to the outside. At this time, it is preferable that the classification criteria include a bank code, that is, whether it is own bank or another bank, and it is preferable that the user can set it arbitrarily. For example, if you set your bank's check to 'A Stacker' and your other bank's checks to 'B Stacker', you can read the information about your bank by reading the MICR. The checks are collected in the 'A stacker 124a' and the checks of other banks are collected in the 'B stacker 124b'.

The image reader 112 reads the check image and transmits the read image information to the storage unit 127 in case the check image needs to be stored. In addition, the check image may be stored according to a preset value set by the user, and the set value may include whether the image is stored and a storage period of the image. In addition, the storage of the image means scanning the check number, date, issuer or signature of the endorsement of the check, and the stored image can be backed up.

The key operation unit 130 is provided with a key for performing an operation such as check sorting and setting values. The display unit 133 displays a screen classified by stacker according to the amount of the received check, the number of checks counted, and the sorting criteria on the screen. The printing unit 121 serves to implement different stepping functions on the checks classified according to the classification criteria set by the user. For example, if the classification criterion distinguishes subsidiary banks from other banks, different steppings are implemented on checks corresponding to subsidiary banks and checks corresponding to other banks, thereby making it easier to distinguish.

The control unit 103 controls the components, and if the data of the MICR read by the MICR reading unit 109 is normal, a stepping function is applied to checks classified according to the classification criteria through the printing unit 121. Control to implement At this time, if the data of the MICR is not normal, it is preferable to return the check to the reject box 137 while outputting an error message indicating that the check is a wrong bill on the screen.

At this time, it is preferable to set in advance whether or not to manually read the MICR. That is, if the data of the MICR is not normal, if it is set to be manually processed according to the preset manual processing, the read of the MICR data can be processed manually.

In addition, when the check is sorted into the stackers 124a and 124b according to a predetermined sorting criterion, the controller 103 controls to transmit and store the information of the read check data to the storage unit 127, and Control to display on the screen.

Next, a process of performing a check closing process in the check closing processor of the present invention will be described.

Figure 3 is a flow chart showing a process of performing a check closing process in the check finisher of the present invention, Figure 4 shows the check data classified by stacker after the check closing process in the check closing process of the present invention displayed on the screen This is an example of the screen.

When the user deposits a check to be discarded into the check closing processor in order to perform the check closing processing task (step 303), the MICR of the deposited check is read (step 306). In this case, the MICR data may include a bank code, a check amount, a check type, and the like.

If the MICR data is normal after the MICR is read (YES in step 309), the check is sorted according to the MICR classification criteria (step 321). At this time, the MICR classification criteria can be arbitrarily set by the user, and it is generally desirable to distinguish subsidiary banks from other banks according to bank codes.

If the MICR data is not normal after reading the MICR (NO in step 309), it is determined whether the check is to be processed manually (step 312). If manual processing is to be performed (YES in step 312), manual processing is performed to read whether the MICR data is normal (step 315). At this time, it is preferable that the user decides whether or not to manually set. If the MICR data is normal (YES in step 318), it is classified according to the MICR classification criteria in the same manner as described above (step 321). If the check is not to be processed manually (No in step 312), the check determines that there is an error and prints an error message on the screen (step 336), which moves the check to the reject box and returns it ( Step 339).

This sorted check stores the image, in case the classification requires a check image (step 324). In this case, the image is preferably stored according to a preset value set by the user, and the set value preferably includes whether to store the image and a period for storing the image. Image storage means scanning the check number, date, issuer or signature of the endorsement.

When the image is stored, the check is classified and transferred to each stacker through different stamping operations (step 327) according to the classification criteria (step 330). For example, if the user has set the sorting criteria so that self-bank checks are classified as A stacker and bank checks are classified and transferred as B stacker, the self-bank checks are transferred to A stacker according to the bank code information by MICR reading. In addition, checks from other banks are classified and transferred to B stackers. At this time, the stamping function is performed before the transfer to the stacker A and the stacker B, and the stamping function is applied differently according to the classification criteria classified by the user. For example, a self-bank check may be stamped to indicate that it is a self-bank check, and another bank check may be stamped on the check and collected in a stacker, thereby facilitating the user's business.

When the sorting processing of the checks to be deposited by the user is completed, the screen displays how many checks are sorted and collected on the A stacker and the B stacker (step 333). For example, as shown in the screen 403 of FIG. 4, 35 checks are classified in the A stacker set as the own bank, 20 checks are classified in the B stacker set as the other bank, and the amount and the number of checks to be discarded. By displaying on the screen, the user can conveniently distinguish at a glance.

As mentioned above, although this invention was demonstrated to the several example, this invention is not limited to a specific Example. Those skilled in the art will appreciate that various modifications and changes can be made without departing from the spirit of the invention.

As described above, according to the present invention, when a closing process is required for a large amount of checks, the work is automatically classified according to a preset classification standard, the stepping operation is performed, and the work is saved by dividing it by the stacker. Rather, it has the effect of preventing waste of manpower and deterioration of work efficiency due to simple classification work.

Claims (21)

A first step of performing a MICR reading when the check is received and determining which classification the check belongs to according to the MICR classification criteria if the MICR data is normal; A second step of reading and storing the check image; A third step of implementing a stamping function on the transferred check; A fourth step of transferring the check sorted according to the classification criteria to the stacker; A fifth step of displaying the amount of the transferred check; Check closing processing method using a check closing processor characterized in that it comprises a. The method of claim 1, wherein the first step is A first step of setting whether to manually process MICR unread; First and second steps of setting a classification standard for the check; When the check is received, performing MICR reading and if the MICR data is normal, determining in which classification the check belongs according to a preset MICR classification standard; If the MICR data is not normal and manual processing for the non-MICR read is set, steps 1-4 of manually reading the MICR data; Check closing processing method using a check closing processor characterized in that it comprises a. The method of claim 2, Check classification processing method using a check deadline, characterized in that the classification criteria include a code of the bank. The method of claim 2, Check classification processing method using a check closing process, characterized in that the classification criteria that can be set arbitrarily by the user. The method of claim 2, If no manual processing for MICR unread is set, printing an error message to the screen and returning a check, Check closing processing method using a check closing processor characterized in that it further comprises a. The method of claim 2, If the MICR data is not normal in the first to third steps, outputting an error message to the screen and returning a check; Check closing processing method using a check closing processor characterized in that it further comprises a. The method of claim 2, When setting the classification criteria in step 1-2, the check value processing method using the check closing processor, characterized in that the setting includes the storage of the image and the storage period. The method of claim 1, The check closing method of the check closing process using a check closing processor, characterized in that for storing the image is scanned by scanning the issue number, date, signature of the publisher or endorsement. The method of claim 1, The stamping method is a check closing processing method using a check closing processor characterized in that the stamp issuance is divided according to whether the issuing bank or other bank. Check inputs to receive checks, A counting unit for counting checks accepted by the check inserting unit, A MICR reader for reading the MICR data of the check; A separating unit which sorts the check read by the MICR reading unit according to a classification standard set by a user; A stacker unit including a plurality of stackers for stacking checks classified and collected according to the classification criteria; A storage unit for storing various data, A display unit for displaying the amount of checks received and the number of checks counted on the screen; A printing section for implementing a stamping function on sorted checks, If the MICR data read by the MICR reading unit is normal, the control unit controls to classify the checks through the separating unit according to the classification criteria, and controls to implement a stepping function on the checks sorted through the printing unit; Check finisher having a. The method of claim 10, The various check data stored in the storage unit may include a check reference value, an image setting value, a check image, and the like. The method of claim 10, The classification criteria is a check deadline processor characterized in that the user can set arbitrarily. The method of claim 10, And the classifier comprises a bank code. The method of claim 10, The check closing processor is a check closing processor further comprises an image reader to serve to read the image of the check in accordance with a predetermined set value and to transmit it to the storage unit. The method of claim 14, Check setting processing unit, characterized in that the set value can be arbitrarily set by the user. The method of claim 14, The check closing processor is characterized in that for storing the image by scanning the issue number, date, issue or signature of the endorsement of the check. The method of claim 10, The control unit is characterized in that the check issuing bank when the stamp is issued through the printing unit check check processing, characterized in that the control to separate stamping according to whether the subsidiary bank or other banks. The method of claim 10, The storage unit stores a setting value relating to whether manual processing of unread MICR is performed. If the control unit receives a message indicating that the MICR data is not normal from the MICR reading unit, the control unit reads the setting value of the manual processing for the unread MICR from the storage unit, and if the setting value can be manually processed, And check to control the reading of the MICR data. The method of claim 18, If the manual processing for unread MICR is set in the storage unit, the control unit controls to output an error message on the screen and transfers the check to the reject box. The method of claim 10, If the control unit receives a message from the MICR reader that the MICR data is not normal, the control to output an error message on the screen and transfers the check to the reject box, characterized in that the check closing processor. The method of claim 10, When the check is classified into each stacker according to a predetermined sorting criterion, the control unit controls to transmit the stored check data information to the storage unit and to store the check information and to display the check data on the screen. .

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