JPH0365579B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION (a) Technical Field of the Invention The present invention relates to a method for handling handwritten bankbooks in an online transaction system.

(b) Prior art and problems Currently, financial institutions use automatic teller machines (hereinafter simply referred to as automatic machines) for deposit and withdrawal transactions, such as automatic teller machines or cash dispensers.
Although automatic machines are often used, there are also transactions that do not require automatic machines, such as when a diplomat collects money by visiting customers. In this case, since it is not possible for the customer to perform mechanical processing, a journal sheet showing the details of the transaction is usually issued, and updates to the host computer's ledger are performed in post-processing. Thereafter, when the customer submits the passbook to a financial institution's counter or conducts a transaction using an automatic machine, the unrecorded transaction details of the passbook are printed.

However, in order to provide services to customers at small and medium-sized financial institutions, instead of issuing a journal sheet when a diplomat visits a customer to collect money, they directly record the details of the transaction by hand in the bankbook and stamp the transaction. There is a request to stamp the .

However, even if transactions are recorded by hand, the magnetic stripe (hereinafter abbreviated as MS) provided on the passbook cannot be used.
The data contained therein, that is, the number of the final entry page and last entry line of the record written in the customer's passbook, etc., are not updated.

When executing a transaction, the automatic machine detects the final entry page and last entry line using the page sensor and line sensor, and after confirming that this matches the contents of the MS, moves to the above last entry line. The details of transactions after the listed transaction are printed on the passbook.

Therefore, if a customer performs a transaction using an automated machine after the above-mentioned handwritten transaction, the automated machine will detect a discrepancy between the actual final entry page and final entry line and the contents of the MS, and will not be able to print anything on the passbook. The execution of the operation will stop.

Currently, online transaction systems including automatic machines cannot operate handwritten passbooks, so it is not possible to write directly on the passbook when making a transaction at a customer's site. It is strongly requested by financial institutions as well.

(c) Purpose of the Invention The purpose of the present invention is to provide a method for operating a handwritten passbook in an online transaction system that enables the use of handwritten passbooks.

(d) Structure of the Invention The feature of the present invention is that page line management data including transaction details for the account number and the number of the last entry page and last entry line in the passbook of the account number are recorded in correspondence with the account number. It has a center ledger, and a reading means for reading the account number and page line management data recorded on the magnetic stripe provided in the passbook, and detects the actual final entry page and final entry line number in the passbook. When making a deposit/withdrawal transaction using a passbook in an online transaction system equipped with an automatic cash transaction device equipped with a page sensor and a line sensor for If at least one of the bookkeeping page number and the final bookkeeping line number does not match the page line management data read by the reading means, the page line management data for the passbook in the center ledger is If it matches either the page line management data read from the page line management data or the detected actual final entry page and final entry line, it is assumed that a handwritten transaction has occurred for the account number and the deposit/withdrawal transaction is processed. It is about making it happen.

(e) Embodiments of the invention Examples of the invention will be described below with reference to the drawings.

FIG. 1 is a block diagram showing the main parts of an embodiment of the present invention, and an example will be described in which a transaction is made by handwriting and then the bankbook is processed by an automatic machine.

In the figure, 1 is a host computer, 2 is a center ledger, 3 is page line management data provided in the center ledger corresponding to the account number, and 4 is a terminal device connected to the host computer 1 via a line. 5 is an automatic cash transaction device, 5 is a reading device,
6 is a page sensor, 7 is a row sensor, 8 and 8' are passbook,
9 indicates a magnetic stripe, 10 indicates a page number, 11 indicates a transaction record, and 12 indicates the last line. Note that 8 is the cover side of the passbook, 8' is a diagram showing the passbook page, and among the transaction records in the passbook 8', the x marks are lines printed by machine processing,
△ marks indicate handwritten lines.

The figure shows the automatic machine 4 after a transaction has been made.
The above-mentioned passbook is shown inserted into the automatic machine 4 in order to perform a deposit or withdrawal transaction.

In this case, first, a magnetic stripe 9 is placed on the back cover of the passbook 8 by the reading device 5 of the automatic machine 4.
Read page line management data such as account number, last entry page, and last entry line recorded in . At the same time, the page sensor 6 reads the page number 10 on which the last entry line 12 is recorded, and the line sensor 7 detects which line of the page the last entry line 12 is located on.

The read page line management data and the detected actual final accounting page number and final accounting line number are notified to the host computer via the line, and the page line management data for the account number is read from the center ledger 2. . These three are then compared with each other.

In the case of the same figure, the actual final entry line 12 is the third line, but since this is a handwritten entry line, the number of the final entry line recorded in the page line management data in the magnetic stripe 9 has not been updated. do not have. Therefore, the actual position of the final entry line is the third line, but the page line management data in the magnetic stripe is the last line of the transaction processed by the machine, that is, in the case of the same figure, one line before the final entry line 12. The line number is recorded.

In this case, the number of the last entry line 12 detected by the line sensor 7 is "3", the last entry line number in the page line management data read by the reading device 5 is "2", and the number of the last entry line 12 detected by the line sensor 7 is "2". At the time of the first transaction by the automatic machine 4 after the transaction by bookkeeping, the two values do not match. Furthermore, the following two cases occur depending on whether or not post-processing of transactions using handwritten notes is performed.

If the post-processing of the handwritten transactions has not been completed by the time of the first automatic transaction, the page line management data 3 of the center ledger 2 has not been updated, so the data shown in Figures 2 a and b As shown in the figure, the page line management data of the magnetic stripe 9 and the page line management data 3 of the center ledger 2 both have the final recording page and final recording line as page '5' and line '2'. In this way, if the page line management data in the center ledger 2 and the page line management data in the magnetic stripe 9 match, it is determined that the post-processing of the handwritten entry has not been completed, and the process that is currently being performed The deposit/withdrawal transaction will be treated as a non-book (NB) transaction and will not be recorded in the passbook. Thereafter, at the time of the first transaction by the automatic machine 4 after the above-mentioned post-processing of the handwritten entry is completed, the unfilled transaction details are recorded.

When post-processing of handwritten entries is being performed, the contents of the page line management data 3 of the center ledger 2 are also updated,
In this case, as shown in FIG. Only the page line management data of the page does not match.

In this case, it is assumed that the post-processing of the handwritten entry has been completed, and the transaction of this embodiment is completed, and the above-mentioned handwritten entry transaction is recorded in the passbook from the line following the detected actual final entry line number. The details of the unrecorded transaction executed after the , and the details of the transaction are printed.

As mentioned above, if the page and line number on which the actual final accounting line 12 is recorded and the content of the page line management data in the magnetic stripe 9 do not match, then both of these should be added to the account in the center ledger 2. By comparing the content with the page line management data 3, and if either one matches, it is determined that a transaction was made by handwriting, and the transaction is subsequently executed by an automatic machine.
It becomes possible to conduct transactions using handwritten entries without any hindrance.

(f) Effects of the Invention As explained above, the present invention makes it possible to use a handwritten passbook in an online transaction system including automatic machines. services will be improved.

[Brief explanation of drawings]

FIG. 1 is a block diagram of a main part showing an embodiment of the present invention, and FIGS. 2 and 3 are diagrams schematically showing the contents of page line management data when handwritten entry is performed. In the figure, 1 is a host computer, 2 is a center ledger, 3 is page line management data in the center ledger, 4 is an automatic cash transaction device, 5 is a reading device,
6 is a page sensor, 7 is a row sensor, 8 and 8' are a passbook with a cover page and transaction details page, 9 is a magnetic stripe, 10 is a page number, 11 is a transaction record,
12 indicates the final bookkeeping line.

Claims (1)

[Claims] 1. It has a center ledger in which page line management data including transaction details for the account number and the final entry page and final entry line number in the passbook for the account number are recorded in correspondence with the account number, and a reading means for reading the account number and page line management data recorded on the magnetic stripe, and a page sensor and a line sensor for detecting the actual final entry page and final entry line number in the passbook. When making a deposit/withdrawal transaction using a passbook in an online transaction system equipped with an automatic cash transaction device, at least the actual last entry page number and last entry line number of the passbook detected by the page sensor and line sensor from the passbook. If one does not match the page line management data read by the reading means, the page line management data for the passbook in the center ledger may be the page line management data read from the magnetic stripe by the reading means or the page line management data read from the magnetic stripe by the reading means. In an online transaction system characterized in that if the actual final accounting page and final accounting line match, it is assumed that a handwritten transaction has occurred in the account number and the deposit/withdrawal transaction is completed. How to use a handwritten passbook.