KR20120087765A - Bankbook handling device and bankbook handling method - Google Patents

Abstract

PURPOSE: A bankbook handling device and a bankbook handling method are provided to make transaction possible by using only the surface information of a bankbook. CONSTITUTION: A bankbook processing unit(11) receives a bankbook. A controller(12) interprets the surface information which optically deciphers the paper of the bankbook. The controller inquires the bankbook information using a host computer(1).

Description

Bankbook handling device and bankbook handling method {BANKBOOK HANDLING DEVICE AND BANKBOOK HANDLING METHOD}

The present invention relates to a bankbook handling apparatus and a bankbook handling method that enable restoration of magnetic information when magnetic information of a magnetic stripe in which information necessary for conducting a transaction with a financial institution is recorded when a bankbook is accepted cannot be read. will be.

At financial institutions, automated devices such as ATMs (Automated Teller Machines), which allow customers to conduct transactions such as deposits and withdrawals, are installed, allowing transactions such as cash withdrawals and payments, etc. We contribute to efficiency of window work such as.

In an automatic machine, transactions such as deposit and withdrawal and payment of cash can be carried out using a card and bank account, and transactions such as deposit and bookkeeping can also be performed using only the bank account. The bankbook has a magnetic stripe in which magnetic information necessary for conducting a transaction with a financial institution is recorded, and when the magnetic stripe information of the magnetic stripe matches the information held by the host computer, the transaction is determined to be a valid bankbook.

In the case of bankbooks, there is an increasing number of accidents in which the magnetic information of the magnetic stripe is demagnetized or demagnetized due to the proximity or contact of a magnet or the like which generates a magnetic field during storage or carrying. The account book in which the magnetic stripe information of the magnetic stripe is lost can no longer be read accurately from the magnetic stripe. Therefore, the automatic device determines that the transaction is impossible and returns the account to the customer.

Even in the account book which cannot read such magnetic information normally, the technique which enables a transaction is proposed. For example, if the magnetic information cannot be read normally, the transaction can be made when the account information is read optically from the bankbook by the bank account media specification of the specific financial institution from the transaction information of the card, and the host computer confirms the validity of the bankbook. (For example, refer patent document 1). In this case, the card is used to identify the identity and the financial institution, and the determination of whether the bankbook is valid or not is judged based on the optically read bankbook information. Moreover, when magnetic information cannot be read normally, restoring the magnetic information of a magnetic stripe based on the optically read information is also proposed (for example, refer patent document 2).

In this way, when the magnetic information of the bankbook cannot be read, the bankbook information can be obtained by optically reading the page information of the bankbook. In this case, the bank account information such as the financial institution name, the branch name, and the account number described in the bank account can be obtained by cutting and decoding the predetermined description area from the read image since the description area is determined according to the specification of the bank account medium of the financial institution. have. Since the automatic machine can only recognize the bank account of the act, if it is impossible to obtain bank account information to be described in the description area by decoding the description area, it is determined that the account is not the account of the act. Will be returned to the customer.

Japanese Patent Laid-Open No. 2001-202567 Japanese Patent Laid-Open No. 2003-099902

However, if the received bankbook is a bankbook of the act, the page information is correct, but the bankbook may be returned to the customer because there is a possibility that the bankbook which has been used is wrong. For this reason, there is a problem in that even a regular bankbook in which a bankbook for which magnetic information cannot be read cannot be used, cannot be traded with an automatic device. Moreover, since the account book which could not read magnetic information was returned, even if the magnetic information of the lost account book could be restored from the card and the page information of the account book, it was not restored.

SUMMARY OF THE INVENTION The present invention has been made in view of this point, and it is an object of the present invention to provide a bankbook handling apparatus and a bankbook handling method capable of trading even when the received bankbook cannot read the magnetic information of the magnetic stripe and recovering the magnetic information. The purpose.

In the present invention, in order to solve the above problems, a magnetic information reading recording section for reading magnetic information on a magnetic stripe of a received bankbook, a page turning section for closing and unfolding the bankbook, and the page information of the bankbook An account book handling device comprising: an optical reading section for reading a book; a conveying section for carrying the bank book; and a control unit controlling the magnetic information reading recording section, the page turning section, the optical reading section, and the conveying section. And the control unit causes the page book to which the book information is written and a designated book page to be unfolded with respect to the book book in which the magnetic information reading recording unit cannot read the magnetic information correctly. An optical reading of the sheet of paper and the designated length page is made to a reading section, and the magnetic A passbook control unit for carrying out the transfer between the beam reading and recording unit, the page turning unit, and the optical reading unit, an image decoding unit for decoding the page information of the bankbook read by the optical reading unit, and outputting the bankbook information; A communication control unit for querying the host computer for a bankbook type code and a booklet last page code based on the bankbook information of the bankbook, and for querying the host computer for self information for restoration based on the book information of the designated book page; And restores the magnetic information of the received bankbook on the basis of the restored magnetic information inquired by the communication control unit.

Moreover, in this invention, when the magnetic information of the accepted bankbook cannot be read correctly, a 1st check regarding the validity of the said bankbook is performed based on the bankbook information which read optically the blank of the bankbook, and the said 1st check is carried out. As a result, when the validity of the bankbook is confirmed, a second check for comparing the printout position information optically reading the designated book page according to the bankbook type of the bankbook and the booklet last page print position information owned by the host computer is performed. And when the printing position information and the length of the last page printing position information coincide with each other as a result of the second check, the restoring magnetic information generated by the host computer is recorded in the magnetic stripe of the bankbook to store the magnetic information. A bankbook handling method is provided, characterized by restoring.

According to such a bankbook handling apparatus and a bankbook handling method, when the magnetic information of the received bankbook cannot be read correctly, the bankbook is checked by double check by the bankbook information specifying the bankbook information and the bankbook information confirming the final transaction from the page information of the bankbook. The validity of the data is confirmed to restore the magnetic information. As a result, when the magnetic information is simply a poor reading by a potato or the like, it is possible to restore the magnetic information, and when the received bankbook is an old bank account or another bank account, it is possible to guide that the bank account is different.

Since the bankbook handling apparatus and the bankbook handling method of the above-described configuration are processed only with the page information of the bankbook, the card is unnecessary, and thus, there is an advantage that the bankbook transaction can be performed even without the card.

In addition, in the case where the magnetic information simply becomes poor in reading due to magnetic factors such as a potato or a magnet element, since the magnetic information is restored without the customer's knowledge, there is an advantage that the convenience is improved.

In addition, since it is possible to determine whether the received bankbook is the old bank account or the other bank account in the process of processing the page information of the bank account, it is possible to notify the factor that cannot be traded, so that the convenience of the customer can be improved. have.

1 is a system diagram of an automatic transaction system of an embodiment.
It is a figure which shows the structural example of the inside of the bankbook processing part of a bankbook handling apparatus.
It is a block diagram which shows the structural example of the control part of a bankbook handling apparatus.
4 is a flowchart showing the flow of processing by the bankbook control unit.
It is a figure which shows the example of the page information described on the sheet of paper of the bankbook.
Fig. 6 is a diagram showing an example of page information booked on a booklet page of an account book.

EMBODIMENT OF THE INVENTION Hereinafter, embodiment of this invention is described in detail with reference to drawing as an example when it applies to the automatic machine in an automatic transaction system.

BRIEF DESCRIPTION OF THE DRAWINGS It is a system diagram of the automatic transaction system of embodiment, FIG. 2 is a figure which shows the structural example of the inside of the bankbook processing part of a bankbook handling apparatus, and FIG. 3 is a block diagram which shows the structural example of the control part of a bankbook handling apparatus. to be.

As shown in FIG. 1, the automatic transaction system includes a bank account handling device 10 and a host computer 1, and is configured to communicate by a dedicated line or the like. The bankbook handling apparatus 10 can be made into an automatic device such as an ATM installed in a store of a financial institution.

The bankbook handling apparatus 10 includes a bankbook processing unit 11 that performs various processes on the bankbook when performing a transaction by bankbook, and a control unit 12 that performs various controls necessary for bankbook processing on the bankbook processing unit 11. Equipped with.

As shown in FIG. 2, the bankbook processing unit 11 includes a magnetic information reading recording unit 13, a printing unit 14, an optical reading unit 15, a page turning unit 16, and a conveying unit ( 17). The magnetic information reading and recording unit 13 reads and writes magnetic information on the magnetic stripe provided to the banking medium while conveying the accepted bankbook in the conveying unit 17. The printing unit 14 is arranged with a platen and a printing mechanism between the conveying paths of the conveying unit 17 and prints the bankbook information and the book information to the bankbook. In addition, the bankbook information is the page information such as the name, financial institution name, branch name, branch number, subject name, account number, etc. of the customer printed or preprinted on the sheet of the bankbook. Floor information. The optical reading unit 15 photographs a page such as a sheet of paper of a bankbook and outputs image data thereof. The page turning unit 16 flips through the passbook conveyed by the conveying unit 17 and spreads the designated page designated by the host computer 1 to capture and print the page information by the optical reading unit 15. It is used at the time of printing by the part 14.

As shown in FIG. 3, the control unit 12 includes a main control unit 18, a storage unit 19, an account book control unit 20, an image decoding unit 21, and a communication control unit 22. have. Of course, the control unit 12 is not shown, but for example, a display operation control unit, a deposit and withdrawal processing unit, and a voice guidance processing unit that support a customer's operation input by a touch panel disposed in front of the bankbook handling apparatus 10. And a receipt issuance processing unit and a card processing unit.

The main control unit 18 has a CPU (Central Processing Unit) and the like, and executes various programs stored in the storage unit 19 to control the operation of the entire bankbook handling apparatus 10.

The storage unit 19 stores a program for controlling the bankbook processing unit 11, a program for performing each process such as deposit and withdrawal transactions, and various data. The storage unit 19 has a large capacity of nonvolatile memory and random access memory (RAM). As the nonvolatile memory, a hard disk drive, a flash memory drive, or the like is used, and stores an OS (Operating System) program, various application programs, and the like. In the RAM, at least a part of an OS program executed by the main controller 18 and a program for functioning as the bankbook handling apparatus 10 are temporarily stored. In RAM, various data necessary for the processing by the main controller 18 are temporarily stored.

The bankbook control unit 20 controls the bankbook processing unit 11 when the bankbook handling apparatus 10 conducts a bankbook transaction. In particular, the magnetic information reading recording unit 13 stores the magnetic information recorded in the magnetic stripe of the bankbook medium. When it cannot read correctly, the passbook process part 11 is controlled.

The image decoding unit 21 has a function of decoding the image data of the page in the bankbook read by the optical reading unit 15, converting it into character data, or detecting the printing position information of the row printed on the length page. have.

The communication control unit 22 is connected to the host computer 1 of the financial institution arranged in the management center via the network 2, inquires to the host computer 1, or receives a reply from the host computer 1; do.

Next, when the bankbook processing unit 11 accepts the bankbook, the magnetic information recorded on the magnetic stripe of the bankbook becomes poor in reading and the bankbook when the magnetic information reading recording unit 13 cannot read the magnetic information correctly. The processing of the control unit 20 will be described.

Fig. 4 is a flowchart showing the flow of processing of the bankbook control unit, Fig. 5 is a diagram showing an example of the page information written on the blank sheet of the bankbook, and Fig. 6 is a diagram showing an example of the page information booked on the badge page of the bankbook. Drawing.

First, when a bankbook transaction is started and a bankbook is inserted into the bankbook handling apparatus 10, a bankbook is accepted by the bankbook processing part 11 (step S1), and is conveyed inside by the conveyance part 17. As shown in FIG. At this time, the magnetic information reading recording unit 13 reads the magnetic information recorded in the magnetic stripe of the bankbook and sends it to the bankbook control unit 20 (step S2).

The bankbook control unit 20 determines whether or not the magnetic information of the bankbook read by the magnetic information reading and recording unit 13 is valid information as the magnetic information of the bankbook (step S3). Here, in the case where the correct magnetic information is being read out, normal transaction processing starts (step S4), and when the transaction ends, the bank account is returned (step S5), and the bank account transaction ends.

If the magnetic information of the bankbook is not read normally, the bankbook is conveyed to the page turning unit 16 by the conveying unit 17, where the face sheet is unfolded (step S6). Here, the page turning unit 16 may open the paper sheet by turning the pagebook inserted one by one while optically reading the passbook inserted in the state where the lengthened page is opened, but preferably the passbook is opened. It is a good idea to open the paper by closing it and turning the cover. This can shorten the time required to unfold the sheet of paper.

Next, the page information of the sheet of paper of the bankbook is read by the optical reading unit 15, and the image data is read by the image decoding unit 21 and converted into the bankbook information of the character data (step S7). As shown in FIG. 5, as account information of the sheet of paper of the bankbook 30, the customer's name 31, financial institution name 32, branch name 33, branch number 34, bankbook type 35, account Number 36 and the like. In addition, the passbook category 35 includes courses such as general, comprehensive, saving, and saving.

Next, the bankbook control unit 20 transmits these decrypted bankbook information to the host computer 1 via the communication control unit 22, and requests the host computer 1 to confirm the validity of the bankbook (step S8).

The host computer 1 determines the presence or absence of the bankbook based on the transmitted bankbook information, and returns the result of the determination to the bankbook handling apparatus 10. At this time, the host computer 1 transmits the determination result to the bankbook handling apparatus 10. However, when a bankbook corresponding to the bankbook information notified from the bankbook handling apparatus 10 exists, the host computer 1 together with the determination result, The bankbook type code and the bankbook last page code of the bankbook are transmitted.

When the communication control unit 22 receives the determination result from the host computer 1 (step S9), the account control unit 20 determines whether the determination result is OK (step S10). Here, when there is no bankbook corresponding to the bankbook information sent to the host computer 1, or when the bankbook information itself does not meet the specifications of the bankbook information of another row, such as another bankbook, a transaction can be made. A notification is provided that no indication exists (step S11). For example, the account book control unit 20 is displayed on the front screen of the account book handling device 10. “This account cannot be traded with an automatic device. Please inquire at the counter. ” Thereafter, the bankbook control unit 20 returns the bankbook (step S5) and ends the bankbook transaction.

In the judgment of step S10, when the determination result by the host computer 1 is OK, the bankbook control unit 20 conveys the bankbook to the page turning unit 16, and the page turning unit 16 ends the bookkeeping. The page expands. This booklet last page is unfolded by turning the page to the booklet last page of the account book type designated by the page turning unit 16 based on the bookbook type code and the booklet last page code notified from the host computer 1. In the example shown in FIG. 6, the badge last page of the designated bankbook type of the bankbook 30 is judged by analyzing the page mark 37 of page information.

The booklet last page of the bankbook type is written in the booklet last page and the booklet's page notified by the page information being read by the optical reading unit 15 and the image decoding unit 21 interpreting the image data. The final print line 38 is detected. This detected final printing row 38 is notified to the host computer 1 as printing position information (step S12).

In the host computer 1, the printing position information notified from the bankbook handling apparatus 10 and the printing position information of the final printing line of the corresponding book owned by the host computer 1 are compared, and these printing position information are identical. If there is, the magnetic information for restoration of the account is returned to the account book handling apparatus 10. The bankbook handling apparatus 10 receives the comparison result of the printing position information in the host computer 1, and determines whether or not the printing position information matches (step S13). If the printing position information does not match, the bankbook is likely to be a bank account, so it is notified that it is a bank account and that a transaction cannot be made with the bank account (step S11). It returns (step S5), and this bankbook transaction ends.

If the printing position information is identical and the restoring magnetic information of the bankbook is received from the host computer 1, the restoring magnetic information is recorded in the magnetic stripe of the bankbook (step S14), and whether the recording information is normal. It is determined (step S15). Here, if the magnetic stripe is not physically damaged, such as the physical stripe is physically damaged, a notification is issued that the transaction cannot be performed (step S11), and the bank account is returned (step S5). The transaction ends.

When the recording of the magnetic information is normally performed, since the magnetic information has been normally restored, a notification is provided to guide the reprocessing of the transaction (step S16), the account book is returned (step S5), and the bank account transaction ends. After that, the customer performs the transaction processing from the beginning using the account book in which the personal information is restored.

The program which performs the above process is stored in the hard disk drive or the like of the storage unit 19 of the control unit 12, and the main control unit 18 transfers the data to the RAM to execute the processing function of the above-described embodiment. .

1: host computer 2: network
10: Bankbook handling device 11: Bankbook processing unit
12 control unit 13 magnetic information reading recording unit
14 printing unit 15 optical reading unit
16: page turning part 17: conveying part
18: subject control unit 19: memory unit
20: bankbook control unit 21: image decoding unit
22: communication control unit 30: bankbook
31: Name 32: Name of financial institution
33: branch name 34: branch number
35: Bankbook classification 36: account number
37: Page Mark 38: Final Print Line

Claims (6)

A magnetic information reading recording section which reads and writes magnetic information to the magnetic stripe of the bankbook which has been accepted, a page turning section which opens and closes the bankbook, an optical reading section which reads page information of the bankbook, and the conveyance of the bankbook (9) A bankbook handling apparatus comprising a conveying section for performing a section and a control section for controlling the magnetic information reading recording section, the page turning section, the optical reading section, and the conveying section,
The control unit,
For the bankbook in which the magnetic information reading recording section cannot read the magnetic information correctly, the page turning section opens a sheet of paper on which the bankbook information is written and a designated book page, and the optical reading section displays the sheet of paper and the designated paper. An account book control unit for performing optical reading of the length page, and causing the conveying unit to convey the magnetic information reading recording unit, the page turning unit, and the optical reading unit;
An image decoding unit for decoding the page information of the bankbook read by the optical reader and outputting the bankbook information;
And a communication control unit for querying the host computer for a bankbook type code and a booklet last page code on the basis of the bankbook information on the blank sheet, and for retrieving the host computer for restoration magnetic information based on the book information of the designated book page. and,
And restores the magnetic information of the received bankbook on the basis of the restored magnetic information inquired by the communication control unit. The bankbook handling apparatus according to claim 1, wherein the bankbook information includes at least a name, an account number, a branch number, and a branch name. The bank account handling apparatus according to claim 1, wherein the designated book page is a book last page of a bankbook type specified by the bankbook type code and the booklet last page code. The bank account handling apparatus according to claim 1, wherein the book information is print position information of a line printed on a book last page of a designated bank account type. The bank account handling apparatus according to claim 1, wherein the page turning unit unfolds the sheet of paper by closing the bank account once and turning the cover. When the magnetic information of the accepted bankbook could not be read correctly, a first check on the validity of the bankbook was performed based on the bankbook information optically read out the blank pages of the bankbook.
When the validity of the bankbook is confirmed as a result of the first check, the printout positional information of optically reading the designated book page according to the bankbook type of the bankbook and the booklet last page print position information owned by the host computer are compared. Perform a second check,
As a result of the second check, when the printing position information and the length of the last page printing position information coincide with each other, restoring magnetic information generated by the host computer is recorded in the magnetic stripe of the bankbook to restore the magnetic information. A bankbook handling method characterized by the above-mentioned.

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