KR20100046593A - Atm having optical character reader(ocr) function and high-denomination bill management using the same - Google Patents

Abstract

PURPOSE: An automatic teller machine and a high-denomination bill management using the same are provided, which can distinguish the number of paper money by reading image of paper money and trace easily counterfeit bank note. CONSTITUTION: A card processing part(10) reads the card information. A bankbook processing unit(20) reads the bankbook information and discloses business processing contents. A discriminating unit(120) discriminates sort, state, and counterfeit of the paper money and of the forgery of the large denomination bill paper money. A storage unit(60) stores the number of paper money acknowledged from the detection part and the customer information read from the bankbook processing unit or the card processing part. A communication unit(40) transmits and receives the number of paper money and trader personal information.

Description

Financial automated machine with banknote number recognition function and high value bill management method using same {ATM having Optical Character Reader (OCR) function and high-denomination bill management using the same}

The present invention relates to a financial automated device having a banknote number recognition function and a high value bill management method using the same, and more particularly, an image of a bill when depositing and withdrawing a high value bill such as 50,000 won or 100,000 won bills using a automated teller machine. Financial automatic device with banknote number recognition function and high volume bill using this function to identify banknote number by reading and to easily track the flow of counterfeit money or suspicious money by storing identified banknote number together with trader's personal information. It relates to a bill management method.

The automated teller machine is an automated device that allows a customer to freely use basic financial services such as deposit, withdrawal or transfer without the help of a bank employee.

There are two types of automatic teller machines that general customers use in unmanned stores: cash dispensers (CDs) that can only pay cash, and automated teller machines (ATMs) that allow cash withdrawals along with deposits of cash and checks. There is.

Automatic teller machines generally have a bank account processing unit and a card and statement processing unit to support financial transactions using a bank account or card, a customer control unit that displays and inputs the contents of transactions, and a banknote deposit and withdrawal device that processes the deposit and withdrawal of bills. Is provided.

There are two types of paper money withdrawal devices: reflux type and non-reflux type, and there is a complicated paper money transfer mechanism and advanced paper money recognition and processing technology. And processing techniques include counterfeit bill discrimination functions, types of bills, and counting the number of bills.

On the other hand, in Korea, the highest value of banknotes currently on the market is 10,000 won, which is relatively small in consideration of economic scale and inflation, and counterfeit money discrimination technology also belongs to the world's highest level. Therefore, there is a greater risk than profits from counterfeiting banknotes, so there are fewer crimes related to counterfeit bills than other countries, and most of the actual crimes are copied by color experts by color copying. It was not enough to cause.

It is also common to endorse checks in the distribution process, and financial institutions also check the amounts and interests, and settle and photograph the front and back sides with a microfilm while closing the originals. They exchange each other, check the exchanged checks, and then pay the requested amount, making it extremely unlikely to be used for counterfeiting or illegal purposes.

However, as the economic size has increased recently, liquidity has increased, and the value of money has decreased due to inflation. Thus, large-scale rights such as 50,000 won and 100,000 won are currently being prepared for issuance.

In general, when high-volume bonds are issued, not only increases the number of counterfeit crimes, but high-value banknotes are easy to carry and distribute, and it is difficult to trace the flow of funds.

In addition, counterfeit money discrimination technology has a considerable level of precision due to the recent increase in counterfeit money, but it is not enough to keep up with the development of counterfeit techniques and counterfeit technology today. In particular, in the case of the Super-Note, which has recently appeared, it is extremely difficult to identify the bill by a checker or expert's naked eye because the precision of the pattern, the material and the surface treatment of the bill is very high.

Therefore, in case of high-end bills to be issued in the future, it is necessary to manage them separately for the tracking of funds or counterfeit bills used for crimes. There is a limit to dealing with possible problems.

The present invention is to solve the problems of the automatic teller machine according to the prior art as described above. In other words, the present invention reads the image of the high-end bills to be withdrawn through the automated teller machine to identify the bill number, and stores the identified bill number with the trader's personal information in order to determine the origin if the future counterfeit bill is judged It aims to solve the problems that may arise with the issuance of high-volume rights by using them to track the flow of suspicious funds.

In the present invention, when dealing with both high and low bills at the same time, the high and low bills are distinguished and the high bills are read in high resolution in order to recognize the bill numbers, and the small bills are read in low resolution in the same manner as before. The aim is to improve the efficiency of financial business by minimizing the time required.

The present invention as a technical concept for achieving the above object, the personal information processing unit which includes at least one of the card processing unit 10 for reading card information or a bankbook processing unit 20 for reading the bankbook information and describing the business processing contents; An input / output unit 30 which shows a business process and receives an input from a user; A discriminating unit 120 for discriminating between the kind, state, or counterfeit of a bill, or a bill number of a large bill; A storage unit 60 for storing the banknote number recognized by the discriminating unit 120 and the trader information read from the card processing unit 10 or the bankbook processing unit 20; Communication unit 40 is connected to the main server of the financial institution for transmitting and receiving banknote number and trader personal information; Hospitality unit 110 for the customer to deposit and withdraw cash; And a controller 70 for controlling the units. And a control unit.

In addition, the method for managing large bills using the automated teller machine according to the present invention, the first step of processing the bankbook or card information, and preparing the deposit and withdrawal service according to the customer's request; A second step of reading the image of the bill in the deposit and withdrawal process to determine the paper type of the bill, and recognizing the bill number of the large bill using the read image; A third step of combining and storing the bill number and the customer information of the recognized high value bill; And a fourth step of transmitting the stored information to the main server of the financial institution.

The present invention as a technical concept for achieving the above object, the banknote number is read in high resolution to recognize the banknote number of the high-end bills withdrawal and withdrawal through the automated teller machine, the banknote number is identified, and the identified banknote number is the personal information of the trader In addition, it can be used to track the funds used for financial accidents, banknote counterfeiting crimes and other crimes.

In addition, the present invention, when the large bills and small bills are handled at the same time, the large bills are read at high resolution to recognize and store the bill number, and the small bills are read at low resolution as before, thereby minimizing the time required for bill processing. Therefore, the financial business efficiency can be improved. In addition, the OCR reading process can be performed after the withdrawal and withdrawal work is completed, thereby improving work processing efficiency.

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

1 is a perspective view showing the appearance and internal structure of the automatic teller machine to which the present invention is applied.

As shown in FIG. 1, a card for processing a card and a bankbook inserted in communication with a card insertion opening 11 and a bankbook input opening 12 installed in an upper portion of the front of the case 1 are applied to the automatic teller machine according to the present invention. A personal information processing unit comprising a processing unit 10 and a bankbook processing unit 20 is provided, and communicates with the customer service shutter 13 installed in the front middle portion of the case 1 to process the deposit and withdrawal of the banknote ( 100). In addition, the bottom of the customer service shutter 13 is provided with an input and output unit 30 for displaying the contents of the transaction to the customer and receives input from the customer.

The banknote deposit and withdrawal device 100 stores banknotes deposited through the hospitality shutter 13 for each kind and at the same time, extracts and provides a bill of the kind required according to the customer's withdrawal request, and a bill discrimination unit is provided therein. .

2 is a view showing the internal configuration of a banknote withdrawal device of the automatic teller machine to which the present invention is applied.

2, the banknote withdrawal device 100 according to the present invention includes a customer service 110 for receiving a bill to be deposited from the customer or withdraw the bill to the customer; A discriminating unit (120) equipped with a scanner having a built-in optical character reader (OCR) function for discriminating authenticity of paper money, paper type, overlapping and damage state, and recognizing a paper money number of a large bill; A plurality of reflux boxes 130 storing and storing the deposited bills for each kind and separating and discharging the bills stored at the time of withdrawal; A temporary storage unit 140 for temporarily storing the deposited banknote until the transaction is established; A reject box 160 for collecting and storing banknotes overlapped or severely damaged among bills discharged from the reflux box 130; Conveying paths (171, 172, 173) for conveying banknotes which are connected to each of the above structures and deposited or withdrawn along a predetermined path; A controller 101 for controlling the entire apparatus; And a storage unit connected to the control unit 101 to store the bill number and customer information.

The customer service unit 110 is connected to the customer service shutter 13 (refer to FIG. 1), and sends out the deposit banknotes charged through the customer service shutter 13 through the transport paths 171, 172, and 173, and transfers the transport paths 171 and 172 at the time of withdrawal. , 173) receives the withdrawal banknotes flowing through to provide to the customer.

The discrimination unit 120 includes sensors such as a length sensor, an optical sensor, and two detectors, and a scanner with an OCR function to determine whether the paper money passes through, and whether the paper is passed, overlapped or damaged. In the case of a large bill, the bill number is identified and the result is transmitted to the control unit 101.

In the case of reading an image of a bill through a scanner (not shown) built in the discriminating unit 120, when determining whether the bill is paper or authentic, it is generally read in a low resolution and in order to recognize a bill number of a large bill. Read the image of the bill in high resolution.

The low resolution image is preferably 100 dpi or less, preferably about 50 dpi, and the high resolution is preferably 150 dpi or more, preferably about 200 dpi.

On the other hand, when the image is read through the scanner, the higher the resolution of the image takes a lot of time, the work efficiency is reduced. Therefore, it is desirable to distinguish between the reading for recognizing the bill number of the large bill and the reading for the purpose of discrimination of counterfeit, and to improve the work efficiency by reading in the high resolution only in the former case.

High-capacity bills are read at high resolution to identify bill numbers using the OCR function built into the scanner, and the identified bill numbers are transmitted to the controller. Since the banknotes currently being used are marked with only one side of the banknote number, scanners are provided on both sides of the discriminating unit 120 to read both front and back sides of the banknote, and then the banknote number is selected to recognize the banknote number. It is preferable.

On the other hand, the image of the high value bills can be performed using a digital camera such as a CCD camera or a CMOS camera in addition to the scanner, and the same function can be performed by recognizing the bill number using the OCR function.

When photographing banknote images using a CCD camera or CMOS camera, a camera must be installed at a certain height (for example, about 50cm) on the conveyance path through which the banknote passes. In light of this, a separate lighting device should be provided.

The reflux box 130 loads the banknotes determined as the normal right through the discriminating unit 120, discharges the banknotes loaded therein into the hospitality unit 110 through the discriminating unit 120 and withdraws and deposits the banknotes therein. It is provided with a transfer mechanism (not shown) consisting of a roller and the like.

The temporary storage unit 140 feeds the bills into or out of the feed roller 141, the feed roller 141 in contact with the rotating back roller 142, and the stacked bills separated by a separate feed roller The separation roller 143 for transferring to the side (141) and the guide plate 145 which is operated when the separation / loading mode of the banknote is changed to guide the transfer of the banknote are built in, and when the deposit is made, the guide plate 145 is rotated to the solid line position. The right to be determined by the discrimination unit 120 between the feed roller 141 and the backup roller 142 temporarily stored, and when the deposit transaction is established by the customer's consent, the guide plate 145 is dotted. The bills temporarily rotated to the position are separated by a single unit through the separating roller 143 and discharged to the conveying paths 171, 172, and 173 through the feed roller 141 and the backup roller 142.

The conveying paths 171, 172, and 173 transfer the bills by connecting the reception unit 110, the discriminating unit 120, each of the reflux boxes 130, and the reject box 160. When taking, slow down the speed according to the speed of reading, and speed up when reading small bills at low resolution.

3 is a block diagram showing the internal configuration of the automatic teller machine shown in FIG.

3, the automated teller machine according to the present invention reads the bankbook information input through the card processing unit 10 or the bankbook input port 12 that reads the card information inserted through the card insertion opening 11, and, if necessary, the bankbook cleaning and the like. Personal information processing unit that includes one or more of the bankbook processing unit 20 to perform the; An input / output unit 30 which shows a business process and performs number input; A communication unit 40 connected to a main server (not shown) of a financial institution and transmitting and receiving a bill number and trader personal information; Discriminating unit 120 for discriminating between the kind, state, counterfeit and bill number of the bill; A storage unit 60 for storing the banknote number recognized from the discriminating unit 120 and the trader information read from the card processing unit 10 or the bankbook processing unit 20; Consists of a control unit 70 for controlling each unit and a customer service unit 110 for the customer to deposit and withdraw cash.

When the customer initiates the deposit and withdrawal transaction using the bankbook or the card, the bankbook processing unit 20 or the card processing unit 10 transmits the trader's personal information to the control unit 70, and the control unit 70 stores the received personal information. Stored in the unit (60).

In addition, the control unit 70 stores the deposit and withdrawal history and bill numbers of the high-end bills detected through the discriminating unit 120 in the deposit and withdrawal process in the storage unit 60, and after the withdrawal and withdrawal service is completed, the personal information and withdrawal details and bills. The number is transmitted to the main server of the financial institution through the communication unit 40.

Figure 4 is a flow chart showing a process of depositing a bill using a banking automatic teller machine with a banknote number recognition function according to the present invention, Figure 5 is a banknote using a banking automated teller machine with a banknote number recognition function according to the present invention This is a flow chart showing the process of withdrawing money.

Looking at the high-value bill management method using the automatic teller machine with a banknote number recognition function according to the present invention with reference to Figure 4, first, if the trader inserts the passbook or card through the passbook entry hole 12 or the card insertion hole 11 The processing unit 20 or the card processing unit 10 reads the customer's account number and customer information and transmits it to the control unit 70 (S100). After receiving the customer information, the control unit 70 queries the customer information on the main server of the financial institution through the communication unit 40, and if there is no error, stores it in the storage unit 60, and continues the financial business at the request of the customer. Proceed by

When the customer selects the deposit service, the customer receives a bill to be deposited through the hospitality receiving unit 110 (S110). The input bill is transferred to the discriminating unit 120 through the first transport path 171 for the primary discrimination.

The discriminating unit 120 primarily discriminates whether or not the banknotes are broken, whether two sheets are overlapped, whether the counterfeits are broken, or the like, with respect to the transferred banknotes (S130). The discrimination unit 120 is provided with a sensor and a scanner such as a length sensor, an image sensor, and two detection units, and determine whether the banknotes are damaged, overlapped, rolled, or falsified, and transmits the result to the controller.

In the meantime, the first discrimination process discriminates only essential matters necessary for the withdrawal and withdrawal process in the same manner as the first discrimination process in the conventional automatic teller machine, and does not perform the bill number recognition for the high value notes. This is because, even after the first screening process, the deposit process may be canceled at the customer's option. Therefore, the reading in the primary discrimination process is performed at a low resolution as in the prior art.

Banknotes judged to be normal in the first discrimination process are returned to the temporary storage unit 140 to be stored sequentially, and the banknotes determined as abnormal rejection passes to the reject box 160 to be returned to the reflux box 130 and the reclaim box. It is temporarily suspended in the temporary reject unit 200 between the eject box 160 (S130).

At this time, the information on the kind and the storage position of each kind of bills returned to the temporary storage unit 140 is transmitted to the control unit, and the information on the kind and the storage position of each kind of bills stored in the high-volume note during the second discrimination process It is used to determine the resolution of the bill image by determining whether it is a bill. Banknotes judged as reject rights cannot be deposited and are returned to the customer.

After the first discriminated banknote is stored in the temporary storage unit 140, information about the amount of the bill, etc., which is counted, is notified to the customer through the input / output unit 30, and the payment contents and the payment confirmation are confirmed (S140).

When the customer cancels the deposit, the bill is stored in the temporary storage unit 140 and returned to the customer, and the deposit procedure is terminated (S150).

When the customer confirms the payment, the bill stored in the temporary storage unit 140 is returned to the discriminating unit 50 to perform the second discrimination (S160). In the second discrimination, the bill number is recognized and transmitted to the control unit 70 for the large amount of money together with the detection of two sheets, the paper type, the counterfeit status, and the like.

In order to recognize the bill number, it takes a lot of time to read the bill in high resolution. Therefore, in the case of small bills that do not need to record the bill number by dividing the paper types of the bills, it reads at high speed at the resolution of about 50dpi as in the first detection, and only low-capacity bills are read at high resolution, such as 50,000 won or 100,000 won bills. It is desirable to reduce the time required to read the bills as much as possible to improve work efficiency.

In addition, in the process of recognizing the bill number, it takes more time to process the read image using the OCR function as compared to the process of reading the bill image. Therefore, the OCR reading process is preferably read from the image read in the deposit and withdrawal process after the withdrawal and withdrawal work is completed.

The bill number transmitted to the control unit 70 is stored in the storage unit 60 together with the customer information acquired through the bankbook or card information.

Banknotes of the second discrimination process is stored in the reflux box 130 through the conveying path (171, 172, 173) (S170), the bill number and the transaction history stored in the storage unit 60 through the communication unit 40 with the customer information The server transmits to the server of the financial institution and ends the transaction (S180).

Looking at the process of withdrawing banknotes using a financial automatic machine having a banknote number recognition function according to the present invention with reference to Figure 5, the customer inserts a bankbook or card and enters the transaction information, such as passwords (S200) ).

The input transaction information is transmitted to the control unit 70, and the control unit 70 checks the customer information to the server of the financial institution to confirm whether it is a normal transaction (S220).

If it is determined that the transaction is normal, the transaction information is withdrawn from the reflux box 130 and transferred to the discriminating unit 120. Each reflux box 130 has bills are stored separately for each kind, so withdraw the appropriate volume and amount from each reflux box 130 according to the kind or amount requested by the customer.

Banknotes transferred to the discrimination unit 120 undergoes a differentiation process with respect to whether damage, winding, or counterfeit (S240). At this time, the bills withdrawn from the reflux box 130 is stored high-value bills in the high-resolution process to recognize the bill number by low-speed reading in high resolution to store with the withdrawal personal information.

In the withdrawal process, as with the deposit process, the small right can be read at a low resolution of less than 100 dpi to quickly discriminate between the swelling and counterfeit, and only the high value can be read at a high resolution of 150 dpi or more, thereby improving the work efficiency.

In addition, the OCR reading process, like the deposit process, is preferably carried out by using the image read after the withdrawal work is completed to improve the work efficiency.

Upon completion of the banknote discrimination process, the customer pays the amount requested by the customer, and the high value of the paid banknotes is transmitted to the server of the financial institution and stored with the customer information (S260).

1 is a perspective view showing the appearance and internal structure of the automatic teller machine to which the present invention is applied.

Figure 2 is a view showing the internal configuration of the banknote withdrawal device of the automatic teller machine to which the present invention is applied.

Figure 3 is a block diagram showing the internal configuration of the automated teller machine shown in FIG.

Figure 4 is a flow chart illustrating a process of depositing bills using a financial automated machine having a banknote number recognition function according to the present invention.

Figure 5 is a flow chart illustrating a process for withdrawing banknotes using a financial automatic machine having a banknote number recognition function according to the present invention.

<Description of main parts of drawing>

1: case 10: card processing unit

11: card insertion opening 12: bank insertion opening

13: customer shutter 20: bankbook processing unit

30: input / output unit 40: communication unit

60: storage unit 101: control unit

110: customer service 120: discrimination

130: reflux box 140: temporary storage

160: Reject box 171, 172, 173: Return path

200: temporary reject unit

Claims (11)

A personal information processing unit which includes at least one of a card processing unit 10 for reading card information or a bankbook processing unit 20 for reading bankbook information and describing business process contents; An input / output unit 30 which shows a business process and receives an input from a user; A discriminating unit 120 for discriminating between the kind, state, or counterfeit of a bill, or a bill number of a large bill; A storage unit 60 for storing the banknote number recognized by the discriminating unit 120 and the trader information read from the card processing unit 10 or the bankbook processing unit 20; Communication unit 40 is connected to the main server of the financial institution for transmitting and receiving banknote number and trader personal information; Hospitality unit 110 for the customer to deposit and withdraw cash; And A controller 70 for controlling the units; Banking automated machine with a banknote number recognition function, characterized in that comprises a. The method of claim 1, The control unit 70, The automatic teller machine with a banknote number recognition function, characterized in that for reducing the speed of the conveying path (171, 172, 173) for conveying the bill when the discriminating unit 120 reads the bill image of the high value bill. The method of claim 1, The discriminating unit 120, If the banknote to be discriminated is a small bill, the image is read at a low resolution, and if the banknote to be discriminated is a high-volume bill over a preset amount, the banknote number recognition function is characterized by recognizing the banknote number by reading the image at a high resolution. Automation device. The method of claim 3, wherein The discrimination unit 120 is a financial automation device having a banknote number recognition function, characterized in that it comprises an image reading means such as a scanner or a camera. The method of claim 4, wherein The image reading means, Bank automatic teller machine with a banknote number recognition function, characterized in that provided on both sides of the discriminating unit 120. In the management method of large bills using financial automation equipment, A first step of processing bankbook or card information and preparing a deposit and withdrawal service at the request of a customer; A second step of reading the image of the bill in the deposit and withdrawal process to determine the paper type of the bill, and recognizing the bill number of the large bill using the read image; A third step of combining and storing the bill number and the customer information of the recognized high value bill; And A fourth step of transmitting the stored information to a main server of a financial institution; Management method of high-volume bills using the automated teller machine, characterized in that consisting of. The method of claim 6, The second step, If depositing bills, A first discrimination step of judging whether the banknotes or counterfeits of the banknotes deposited by the customer are sequentially stored in the temporary storage 140; Secondary discrimination step of recognizing banknote number by reading low-speed bills at high resolution in case of customer's deposit confirmation; Management method of high-volume bills using the automated teller machine, characterized in that made. The method of claim 6, The second step, If you withdraw a bill Banknotes withdrawn from the reflux box 130, which is housed in large bills are read at low speed in high resolution to recognize bill numbers. The method of claim 6, The second step, A method for managing high-volume bills using an automated teller machine, which comprises recognizing a bill number using a read image after a deposit and withdrawal transaction is completed. The method of claim 7, wherein The second discrimination step, The method of managing high value bills using the automated teller machine, characterized in that if the customer confirms the deposit, the low value bills are read at low resolution and judged as counterfeit. The method of claim 6, The second step, In the case of withdrawing the banknote, Banknotes withdrawn from the reflux box 130 is a small bill containing the high-speed bill management method characterized in that the high-speed read at low resolution to discriminate whether or not the counterfeit or paper.

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