KR20070066412A - Atm for prevention against wrong-discharge check - Google Patents

Abstract

An ATM(Automated Teller Machine) for preventing wrong discharge of checks and an operation method thereof are provided to prevent financial accidents generated in wrongly inserting the checks into a check cassette case, by checking the sum of the correspondent check in advance and then determining whether to discharge the check or not. An ATM for preventing wrong discharge of checks is composed of a magnetic ink character reading unit(27) reading magnetic ink characters printed on the lower end of the check; a check cassette case(28) storing the checks according to each denomination; a memory(29) for storing serial numbers of the checks correspondent to the kinds of denominations; and a control unit(20) having an algorism for discharging the correspondent check when the magnetic ink characters printed on the check of the specific denomination match to the serial number of the correspondent denomination stored in the memory.

Description

Financial automated devices to prevent check erroneous discharge and its operation method {ATM for prevention against wrong-discharge check}

1 is a perspective view showing the appearance of the automatic teller machine.

Figure 2 is a diagram showing the internal configuration block of the automated teller machine according to an embodiment of the present invention.

3 shows the front side of a check written with a MICR.

Figure 4 is a flow chart illustrating a check mis-release process of the automated teller machine according to an embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

20: control unit 27: magnetic ink character reading unit

28: check cassette box 29: memory

31: MICR S41: Check withdrawal request

S42: MICR reading of the check to be discharged S43: Checked amount of money requested

S44: Discharge S45: Disturbance

The present invention relates to a device for preventing a check erroneous release of the automated teller machine and its operation method, which checks the amount of information of the check to be withdrawn in advance and discharges the check only when it matches the requested amount of check. The present invention relates to a financial automated device for preventing misemission and a method of operating the same.

In recent years, the automatic deposit and withdrawal system has become a lot of practical and good results. Such a deposit and withdrawal device is an automated teller machine (ATM) and is installed at the bank's mechanized corner. The automated teller machine is configured to automatically perform a transaction such as withdrawal (withdrawal) or deposit (deposit) of cash (check) using a medium such as a card or a bank account. The automatic teller machine can be extended even after the closing of the bank window, and may be installed in stores such as department stores and supermarkets, so that the number of installations is expected in the future.

Briefly explaining the check withdrawal method of the automated teller machine with FIG. After the input, the password and the withdrawal amount are input to the key input unit 13. After receiving the password and the withdrawal amount, the automated teller machine requests authentication from the financial server of the financial institution through the network and discharges the check of the requested withdrawal amount through the check and withdrawal unit 12 when the authentication is successful. The check deposit and withdrawal unit 12 is composed of a bill stack unit and a shutter unit. If the check of the requested withdrawal amount is placed on the banknote stack and the withdrawal alarm sounds with the lid of the shutter unit open, the withdrawer can receive the check. When the drawer receives the discharged check, the cover of the shutter unit, which has been opened, returns to the closed state and enters the standby mode.

In order for the automated teller machine to discharge the check at the request of the withdrawal agent, the manager of the automated teller machine should keep a certain amount of check in the check teller cassette. In the check cassette box, checks are stored for each bill, for example, 100,000 won bills and one million bill bills, and a check of the bills is discharged when a check withdrawal request is made for a certain bill.

However, there was a fear of a financial accident in which a check of a different amount of money is released than a requested amount of money when a check mistake is provided to the check cassette box by a manager mistake. For example, if a 100,000 won check box must be provided with a 100,000 won check, but an administrator accidentally puts a check of 1 million won into a 100,000 won cassette box, a check in the 100,000 won cassette box may be made at the request of the withdrawal request of the 100,000 won check. Even if they did, there was a risk of financial accidents that could cause the 1 million won checks misplaced in the 100,000 won cassette cassette instead of the 100,000 won check.

The present invention has been made to solve the above problems, it is an object of the present invention to provide an error release prevention device and algorithm for preventing financial accidents due to mis-release when the check provided in the check cassette box is mistakenly entered by the administrator It is done.

In order to achieve the above object, the check-emission prevention automated teller machine of the present invention includes a magnetic ink character reader for reading magnetic ink characters at the bottom of a check, a check cassette box for storing checks for each type of money bill, and an amount of money. Memory containing check serial numbers of checks according to the type of ticket, and an algorithm for discharging the check only when the magnetic ink character written on the check of the specific bill is to be matched with the serial number of the bill. One control unit is provided. In addition, the check effluent prevention automated teller machine is to read the magnetic ink character (MICR) at the bottom of the check of the specific amount bill to be discharged to determine whether it matches the serial number of the registered amount bill in advance; When the result of the determination is matched, the check is discharged and discharged to the check deposit and withdrawal unit. If the check does not coincide, the check is not discharged.

Hereinafter, the detailed description of the preferred embodiments of the present invention will be described with reference to the accompanying drawings. In the following description of the reference numerals to the components of the drawings it should be noted that the same reference numerals as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to general practices of those belonging to the technical field of the present invention, and the definitions should be made based on the contents throughout the present specification.

2 is a block diagram illustrating an internal configuration of a check misemission prevention automated teller machine according to an embodiment of the present invention.

Referring to FIG. 2, the key input unit 21 is a user interface (UI) for receiving financial transaction information such as a password, a financial account number, a deposit amount, and a withdrawal amount from a user who uses the automated teller machine. And a keypad consisting of function keys or a touch input panel of a touch screen type.

The bankbook / card detector 22 detects a bankbook or a card that is input to the automated teller machine and detects the information of the bankbook / card (eg, account number, expiration date, card number, etc.). The sensing is detected by reading a magnetic component attached to a bankbook or a card. In addition to the magnetic component sensing method, the sensing may be implemented by an RF sensing method.

The security device 23 is an encryption device for encrypting data input through a key input unit. As such a security device unit, an encryption pin pad module adopting a Data Encryption Standard (DES) algorithm is widely used. The DES pin pad module is a module for processing encryption or key processing of a user's password, and includes a number button for inputting a password, a plurality of menu buttons for performing various functions, and an SRAM storing an encryption key. Doing.

The check deposit and withdrawal unit 24 is a place where a check being traded is deposited or withdrawn, and has a structure in which a check stand on which a check is placed and a check deposit and withdrawal cover. When the deposit or withdrawal is made, a check is placed on the check holder with the check deposit and withdrawal cover open.

The communication unit 25 is an interface for communicating with a financial server of a financial institution, and includes a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), and the like. It performs an interface with a packet switched data network (PSDN). In some cases, a wireless communication method such as a wireless LAN may be used.

The voucher printing unit 26 is a printing apparatus for printing the financial transaction information on the voucher, and the voucher printing may be performed in various ways such as inkjet printing and laser printing. In the slip, a variety of information such as a transaction card number, a transaction account number, a transaction date, a transaction amount, a transaction point code, a transaction automatic teller code, and the like are printed and provided to the user.

As shown in FIG. 3, the magnetic ink character reader 27 reads the magnetic ink character 31 (MICR) printed on the bottom of the check and transmits the same to the control unit. On the magnetic ink character 31 printed at the bottom of the check, check issuance information such as the type of the check amount right and the issuing bank is printed. The magnetic ink characters 31 have E138 and CMC7 types due to differences in standards such as character shape and print quality, and the printing positions of the magnetic ink characters are also standardized. Since the magnetic ink character 31 is printed using magnetic ink, it is converted to a current waveform by magnetizing by a magnet and then moving on the magnetic head, and its waveform is different by the character. I can recognize it. Therefore, the magnetic ink reading unit 27 slides the check with respect to the magnetic head, reads the magnetic ink character (MICR character), interprets the output, converts the output into numerical data, and sends the check to the controller.

As a result, the magnetic ink reader 27 reads the magnetic ink character (MICR character) of the check to be discharged from the check cassette box 28 to the check deposit and withdrawal unit 24 by performing the above configuration function. And the control unit 20 is able to receive this and know whether or not the wrong release of the check to be discharged.

The check cassette box 28 is provided with a cassette box for each check. For example, a 100,000 won bill check box 28a is stored with a 100,000 won check check, and a 1 million won cassette box 28b is stored with a 1 million won check.

The memory 29 is composed of a nonvolatile memory such as a flash memory, a hard disk, and a RAM type memory such as an SRAM or a DRAM that temporarily stores data. A serial number is registered with information about each bill. When the check is ejected from the check cassette box, the control unit reads the check serial number registered in the memory, determines whether the check is matched, and determines whether to eject the check. The memory may be implemented as an internal memory fixedly mounted in the automated teller machine, but in some cases CF card (Compact Flash Card), SD card (Secure Digital Card), SM card (Smart Media Card), MMC card (Multi It may be implemented as an external memory capable of inputting / outputting information such as a media card or a memory stick.

The control unit 20 has an algorithm for controlling the respective functional blocks by the OS operating system and discharging the check when the check serial number registered in the memory and the magnetic ink character of the check match. The algorithm will be described with the flowchart of FIG. 4.

4 is a flowchart illustrating an operation process of a check false release prevention automated teller machine according to the present invention.

If the person who wants to withdraw the check (insertor) inserts a bankbook, card, etc., into the automatic teller machine and requests a check withdrawal of the desired amount of money (S41), the controller of the automatic teller machine checks the check with the amount of money. Take it out of the check cassette and take it to the magnetic ink character reader. For example, when the withdrawal requester withdraws six checks of 100,000 won bills, the control unit brings six checks stored in the check box of 100,000 won bills to the magnetic ink character reader.

The magnetic ink character reading unit has a process (S42) of reading the magnetic ink character (MICR) at the bottom of the check taken from the check cassette box. It is determined whether the magnetic ink character read is identical with the serial number of the money bill registered in advance (S43), and when it matches, the check is discharged to the check and withdrawal unit (S44) so that the money can be received by the withdrawal person. When the check is not discharged and stored in another cassette box and then disability (S45). For example, if a check from a 100,000-dollar cassette box contains a million-dollar check, the magnetic ink character (MICR) of that one-million-dollar check does not match the serial number of the 100,000-won check already registered in memory. In other words, financial automatic devices can prevent financial accidents caused by mischecks by disabling failure.

On the other hand, the serial number of the check may not be the same in the case of the same check ticket, the serial number may be the same for different check tickets, such as 100,000 won bills and 1 million won bills. Therefore, in the above description, it has been described that the serial number match is determined, but in addition to the serial number, it may be necessary to determine whether or not the coin label 32 shown in FIG.

In the above-described description of the present invention, a specific embodiment has been described as with the check effluent prevention automatic teller machine, but various modifications can be made without departing from the scope of the present invention. Therefore, the scope of the present invention is not to be determined by the embodiments described above, but will be apparent in the claims as well as equivalent scope.

As described above, the present invention, by checking the amount of money of the check in advance when the check is discharged to determine whether or not to discharge the check, it is possible to prevent financial accidents that may occur due to the administrator put the check incorrectly in the check cassette. It can be effective.

Claims (3)

Reading the magnetic ink character (MICR) at the bottom of the check of the specific bill to be discharged and determining whether it matches the serial number of the previously registered bill and, if it is determined, checks the check. Withdrawal and withdrawal to and from the deposit and withdrawal department, if not matched in the process of failure to keep the check in a separate cassette box without discharging the check Check automated mis-release financial automatic device comprising a. The check automation system of claim 1, wherein the serial number includes information about a check amount right. Magnetic ink character reading unit for reading the magnetic ink character at the bottom of the check, A check cassette box where checks are stored for each type of bill; A memory that stores the serial number of the check according to the value type, And a control unit having an algorithm for discharging the check only when the magnetic ink character described in the check of the specific bill is to be matched with the serial number of the bill.

Images