KR20070075723A - Check receiving apparatus - Google Patents

Abstract

A check receiving apparatus is provided to improve accuracy and business efficiency and to reduce manpower by automatically receiving checks, and to secure convenience for clients by shortening the waiting time. A check receiving apparatus(100) is composed of an input port unit(102) through which checks are input one by one; a transfer unit(104) continuously transferring the input checks along a transfer path; an aligning unit(106) aligning the checks at the side; a CIS(Contact Image Sensor) unit(108) obtaining image information by scanning the check; an MICR(Magnetic Ink Character Recognition) unit(110) obtaining information about magnetic characters printed on the check; a double sheet detecting unit(112) detecting whether at least two checks are overlapped or not; an endorsement printing unit(116) printing an endorsement on the check according to a printing command; a temporary standby unit(114) formed between the endorsement unit and the endorsement printing unit, to make the checks be on standby by temporally stopping transferring the checks; and a storage cassette unit(118) receiving and storing the endorsed checks.

Description

Check Receiving Device {CHECK RECEIVING APPARATUS}

1 is a block diagram showing the configuration of a check deposit processing apparatus and a host computer connected thereto according to the present invention.

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a check storing processing apparatus capable of smoothly executing a banking business, and more particularly, to a check storing processing apparatus which is an automated device capable of automatically executing a storing processing of a check.

In general, payment systems using checks are widely used in Europe and America. In this payment system, various payments or remittances are made by handing a check, and the check used is finally deposited in a bank or cashed back. Will be.

Therefore, the bank teller accepts a large amount of checks, and the teller at the teller first checks the overall checks for the checks received from the customer, and then ends the endorsement only if there are no checks. ), And the checks are processed and all stored checks are scanned with a scanner and the image data is stored separately to prepare for future information inquiry.

In more detail, the bank clerk makes various checks on the check requested by the customer. That is, in addition to the real confirmation, various check information such as the check number and the amount written on the check are directly input to the teller terminal device. By checking through the computer network, the overall check whether the check is counterfeit or account balance is insufficient, and endorsed on the back of the check as an indication of ownership transfer only in the normal case, and then processed. Collected and stored checks are stored and digitally stored.

However, such a conventional check-receiving process is performed manually by the staff in charge, so that errors may occur due to manual work, work delays may occur, and work productivity may be reduced, and excessive manpower may be required. In addition, there was a problem that causes a waste of time and inconvenience caused by the increased waiting time for the customer.

The present invention was devised to solve the above-mentioned problems, and includes a series of check receiving tasks such as image data acquisition, check information acquisition, check abnormality check, printing for endorsement, physical storage, information and data transmission processing, and the like. It is an object of the present invention to provide a check receiving apparatus that can automatically execute.

The check receiving apparatus of the present invention for achieving the above object is an insertion port portion into which checks are placed in sheets, a conveying portion for continuously transferring the inserted checks along a conveying path, and an alignment to align the checks to one side. A contact image sensor (CIS) unit for obtaining image information by scanning the check, a magnetic ink character recognition (MICR) unit for obtaining magnetic character information printed on the check, and the check is 2 A double sheet detection unit for detecting whether or not overlapping each other, an endorsement factor unit for performing endorsement on the check according to a printing instruction, and a transfer path formed on the conveying path between the MICR unit and the endorsement factor unit And a temporary waiting section for temporarily stopping and waiting, and a storage cassette section for storing and storing the endorsed check.

The above objects and various advantages of the present invention will become more apparent from the preferred embodiments of the invention described below with reference to the accompanying drawings by those skilled in the art.

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 configuration of a check deposit processing apparatus and a host computer connected thereto according to the present invention.

Check storage processing apparatus 100 according to the present invention, the user can put the check in the sheet or put the return unit 102, the conveying unit 104 for transferring the inserted check along the conveying path, and on the conveying path Alignment unit 106 for aligning the check to be transported provided in one side, and CIS (Contact Image Sensor; contact image sensor) unit for obtaining the image information as check information by scanning the check provided on the conveying path 108, a MICR (Magnetic Ink Character Recognition) unit 110 for acquiring, as check information, magnetic character information provided on checks provided on a conveying path, and on a conveying path. A double sheet detecting unit 112 for detecting whether two or more checks are overlapped, an endorsement factor unit 116 provided on the conveying path and performing printing on the check in accordance with a printing instruction, and the MICR described above. Part (110) And a temporary standby portion 114 formed on the conveying path itself between the endorsement factor portion 116 and temporarily stopping the transfer of the check, and a storage cassette portion 118 for storing and storing the check completed up to the endorsement. It includes.

In addition, the memory unit 122 that stores the check information obtained by the CIS unit 108 and the MICR unit 110, the drive control unit 120 for controlling the driving of the whole device, and a separate host connected Communication control unit 126 to communicate with the computer 200, and the central control unit 124 for centrally controlling the memory unit 122, the drive control unit 120, the communication control unit 126 and the like as a whole. do.

Hereinafter, each component will be described in more detail.

The inlet 102 is a portion in which a customer or a bank clerk receives a check from a sheet or returned from the inside. The configuration of the inlet 102 is provided inside the inlet and next to the inlet so as to open and close the check. shutter and an input detection sensor provided to detect the check being input from the outside and to open the shutter and to drive the conveying unit 104, wherein the shutter is opened only at the time when the check is inserted or returned. At other times, the check is continuously closed to prevent another check from being input from the outside while the check is being processed from the inside.

The conveying part 104 is formed from the inlet part 102 to the storage cassette part 118 in order to convey a check, The structure is provided with the conveyance path formed between both guide walls, and several along the conveyance path. And a conveying driving means such as a conveying roller which is brought into contact with the check and conveying driving force providing means such as a driving motor for providing a driving force to the conveying driving means.

The sorting unit 106 aligns the check to one side while transferring the check to be transferred after a predetermined period, and the purpose of the sorting is to work on the correct position of the check in the CIS unit 108 or the MICR unit 110. This is to make it possible, the configuration can be implemented using a plurality of alignment rollers that the rotation direction is orthogonal.

The CIS unit 108 acquires image information of the check as check information by continuously scanning checks in a position-aligned and continuously transported check, and acquires image information of both the front and the back of the check. The configuration includes two scanning heads for scanning in contact with the front and rear surfaces of the check, pressurizing means for bringing the check into close contact with each of the scanning heads, so that accurate scanning can be performed, and from the image data scanned from the scanning head, Information reading means for further reading and obtaining information, such as a figure may be included.

Therefore, the CIS unit 108 first obtains image data for the check, and then additionally reads and obtains various check information from the image data, thereby obtaining various information such as appearance information and amount of the check.

The MICR unit 110 obtains the magnetic character information printed on the transferred check as check information. The configuration is such that the magnetic recognition head and the check closely adhere to the magnetic recognition head so that accurate recognition can be achieved. It may include a pressing means.

Therefore, since information related to issuance, such as serial numbers, account numbers, and issuing banks, are usually described as magnetic characters at a predetermined position of the check, the MICR unit 110 obtains the magnetic character information through the magnetic recognition head. do.

The double sheet detecting unit 112 detects whether two or more checks are overlapped. If two or more checks are transferred, information is obtained and printed on only one check, and the processing is performed on the other check. In order to prevent this, it is to detect whether there is a double sheet, and the double sheet detecting unit 112 may be implemented in a manner of checking whether two sheets are detected by detecting the thickness of the check.

The endorsement factor unit 116 confirms whether or not the check is abnormal by using the check information obtained from the CIS unit 108 and the MICR unit 110 described above, and also confirms whether the transfer is performed in the aforementioned double detection unit 112. As long as there is nothing wrong with the result, an endorsement is made to the endorsement of the check, indicating that the endorsement of the check is transferred from the customer to the receiving bank, where the endorsement As a matter of fact, there may be information related to a storage date, a storage amount, and a storage bank, and the endorsement factor unit 116 may be implemented by a dot printing method.

Temporary standby section 114 is formed in the conveying path itself between the MICR unit 110 and the endorsement factor unit 116 described above, the check is temporarily stopped in the relevant section, the endorsement means transfer of possession Prior to the implementation, a check is finally waited to receive a confirmation instruction for the receipt processing, and a check is waiting in the corresponding portion, and if the acceptance is instructed, the check is transferred again to the endorsement factor 116. If the storage cancellation is instructed, it is carried out to the outside by the reverse driving of the conveying unit 104.

The storage cassette unit 118 is a portion in which the checks to be transported after the endorsement is finally received and stored are configured to have a sealed storage space.

The memory unit 122 is a portion in which various check information obtained from the above-described CIS unit 108 and the MICR unit 110 and various software that can be executed by the central control unit 124 are stored.

The drive controller 120 is a part for controlling the overall device driving under the control of the central controller 124, and controls the drive for transferring the check, sorting, scanning, magnetic character recognition, double sheet detection, printing.

The communication controller 126 is a communication interface for communicating with the host computer 200 and the like, which will be described later. The configuration includes a transmitter for transmitting the obtained various check information to the host computer 200 and the host computer 200 from the host computer 200. It may include a receiving unit for receiving a variety of commands.

The central control unit 124 executes the software stored in the memory unit 122 to perform the central control, and to control the driving according to the command received from the host computer 200.

The check storing and processing apparatus 100 having the above configuration is connected to a separate host computer 200 so that the check storing and processing apparatus 100 receives the check information acquired by the host computer 200. And drive control in accordance with a command from the host computer 200.

That is, the host computer 200 checks whether or not the check currently being received is processed based on various check information received from the check deposit processing apparatus 100, and checks a command for subsequent driving according to the check result. Transmission to the storage processing apparatus 100 side.

In detail, the host computer 200 checks whether the check is abnormal through the check information received from the check receiving processing apparatus 100, that is, the image information, the magnetic character information, etc. By displaying the confirmed result to the outside, the customer or the bank clerk confirms the result and finally inputs the acceptance or cancellation of the receipt, and the current temporary wait portion is sent to the check storing processing apparatus 100 side as input from the outside. At 114, a command is sent to instruct whether to finally endorse and store the check waiting or to take the check out.

Accordingly, the host computer 200 may include a communication control unit 202 for communicating with the check deposit processing apparatus 100 and other computer networks, and a decision logic unit 206 for checking or determining an abnormality of a check. And a display device unit for externally displaying the obtained check information and the check result of the check abnormality, and an input device unit for allowing a customer or a bank employee to select and accept a storage acceptance or a cancellation. .

Of course, the host computer 200 includes a memory unit 204 for storing various check information received from the check receiving processing apparatus 100 and a check result of check abnormality, and the like. If the memory unit 204 is provided, the memory unit 122 on the check storing apparatus 100 side may be omitted.

Hereinafter, the overall operation of the check storing apparatus 100 according to the present invention will be described.

First, when a customer or a bank clerk inserts a sheet of check to be stored through the inlet 102, the shutter next to the inlet is opened and the conveyer 104 is driven to transfer the inserted check.

Subsequently, the conveyed check is aligned to one side while passing through the alignment unit 106, and then continuously transferred to pass through the CIS unit 108 to obtain double-sided image information of the check.

Next, the check is continuously transferred to pass through the MICR unit 110 to obtain the magnetic character information described on the check.

Subsequently, the check is continuously transferred and passes through the double sheet detection unit 112 to detect whether the double sheet is detected.

After that, the check is stopped in the temporary standby section 114 and temporarily waits.

On the other hand, the check information of the image information and the magnetic character information previously obtained from the CIS unit 108 and the MICR unit 110 is stored in the memory unit 122, and the check information is also stored in the host computer through the communication controller 126. 200).

Accordingly, the host computer 200 receives the check information, stores the check information in the memory unit 204, and uses the check information to determine the self-identification of the check logic unit 206 and interwork with the communication control unit 202. After confirming whether the check is abnormal through the computer network inquiry through the display unit 208, the result is confirmed to the outside through the display device unit 208, and also after confirming the confirmation result by the customer or bank clerk finally accept or accept You will be asked to select Cancel.

Therefore, the customer or bank clerk checks the check result of abnormality of the check, and finally decides a decision and inputs the acceptance or cancellation of the acceptance through the input device 210 to input the host computer 200. According to the input, a command regarding whether to process or carry out processing is transmitted to the check storing apparatus 100, and the check storing apparatus 100 is operated according to the command.

That is, if the carry-out process is commanded, the conveying unit 104 is driven backward to transfer the check in the reverse direction so that the customer or the bank clerk receives the check again at the inlet 102. When commanded, the conveyance unit 104 is driven forward to forward and forward the check again.

Subsequently, the endorsement of the check to be forwarded to the endorsement factor 116, the endorsement for the endorsement, if all of the factors are completed, the check is continuously transferred and eventually stored in the storage cassette unit 118 is stored. .

As a result, the process of storing the checks for a single check is completed, and a large amount of checks are stored and stored in the storage cassette unit 118 through the repetition of such a process. Checks are taken from 118.

In addition, in the above embodiment, the check host is checked using a separate host computer 200 and receives a confirmation input from an operator. Alternatively, the check receiving apparatus 100 may be used without using a separate host computer 200. ) Itself may be implemented to check whether the check is abnormal through its own judgment and computer network inquiry, and then immediately receive or take out the check without a separate operator input confirmation according to the check result.

In the foregoing description, it should be understood that those skilled in the art can make modifications and changes to the present invention without changing the gist of the present invention as merely illustrative of a preferred embodiment of the present invention.

According to the present invention, checks can be automatically stored and processed, thereby improving processing accuracy and work productivity, reducing manpower requirements, and enabling quick processing, thereby providing convenience to customers by reducing waiting time. The effect that can be provided can be achieved.

Claims (6)

An entry slot into which a check is put in sheets, A conveying unit which continuously conveys the inserted check along a conveying path; An alignment unit for aligning the check to one side; A contact image sensor (CIS) unit for obtaining image information by scanning the check; A magnetic ink character recognition (MICR) unit for obtaining magnetic character information printed on the check; A double sheet detecting unit for detecting whether two or more checks overlap; An endorsement factor unit for performing endorsement on the check in accordance with a print instruction; A temporary standby portion formed on the conveying path between the MICR portion and the endorsement factor portion to temporarily stop the transfer of the check; Check storage processing apparatus comprising a storage cassette for storing and storing the endorsement check. The method of claim 1, Check the abnormality of the check by using the image information obtained from the CIS unit and the magnetic character information obtained from the MICR unit, and then, depending on the result of the check, the check waiting in the temporary donation is subsequently exported to the outside or Or check storage device characterized in that the endorsement and storage. The method of claim 1, The CIS unit, Check receiving processing apparatus, characterized in that to obtain double-sided image information of the check. The method of claim 1, The check information obtained from the CIS unit and the MICR unit is transmitted to the connected host computer, and a command is received from the host computer to determine whether to carry out or endorse the check waiting in the temporary unit. Check receiving processing apparatus further comprises a communication control unit. The method of claim 1, And a memory unit for storing check information obtained from the CIS unit and the MICR unit. The method of claim 4, wherein The host computer, Check the check by using the received check information and display the result of the check on the outside, and then the check waiting in the temporary waiting unit according to a selection input of acceptance or cancellation from the outside And a command regarding whether to export or endorse and store the check.

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