JPH04190452A - Securities handling device - Google Patents

Abstract

PURPOSE:To automate a transcription process and to shorten the processing time of accepting operation for securities by recognizing the characters of amount data written into a securities and transcribing them to a specific position. CONSTITUTION:When a customer inserts his or her cash card into an automatic transaction device, its password number is collated and its process is accepted on condition that the password number is coincident. Then the securities is inserted and then an optical read part 23 reads optically information written into the securities. A character recognition part 25 decides whether or not the securities is true or false by using the information read by the read part 23. When it is decided that the securities is true, the input of the amount of money is indicated. The customer inputs the amount of money on a console panel 37. The recognition part 25 recognizes the characters of the amount data. A control part 21 collates the amount data inputted on the console panel 37 with the character-recognized data and prints magnetic characters of the amount data when they match each other, and the securities is stored in a stacker 29. A bankbook entry part 39 and a receipt printing part 41 print the temporary entered amount on a bankbook and a receipt.

Description

[Detailed Description of the Invention] [Summary] This invention relates to a securities handling device that accepts and accepts bills and checks at financial institutions, and is intended to automatically perform the posting process of amounts written on securities. is inserted, reads the amount data and other information written on the securities, recognizes the amount data as characters, determines whether the amount data is correctly recognized as characters, and recognizes it in response to a positive determination. The apparatus is configured to include a determining means for outputting information obtained by character recognition of amount data from the means, and a transcription means for transcribing the amount data to a predetermined position of a security based on the information output from the recognition means.

[Industrial Application Field] The present invention relates to a securities handling device that accepts and accepts bills and checks at financial institutions.

[Prior Art] As shown in FIG. 4, a check is used as a cash voucher, with the amount written on the central part (3) by a check writer, handwritten, or other method. This check is exchanged between banks at a clearinghouse and cleared.

At the clearinghouse, the information written on the check is read and processed by a machine, so the amount data written in ■ in Figure 4 can be read at the clearinghouse before the check is brought to the clearinghouse. It needs to be in a suitable format. That is, it was necessary to print the monetary amount data in magnetic characters in the area marked with ■ in FIG. Information such as the clearinghouse number, financial institution number, store number, account number, and check number are preprinted in magnetic characters in the form (2) in FIG. 4 when the check is issued.

Conventionally, this amount data posting process was performed by an operator at the bank.

Note that bills are also processed in the same way.

[Problem to be solved by the invention]

By the way, the process of posting the above-mentioned check amount data shown in ■ in Figure 4 to ■ in Figure 4 is a process that the operator manually performs each time, and accepting checks is a process that is performed in the course of work. The proportion of time spent was high.

SUMMARY OF THE INVENTION An object of the present invention is to provide a securities handling device that automatically transfers amounts written on bills and checks.

[Means to solve the problem]

FIG. 1 is a block diagram of the principle of the present invention.

In the figure, the recognition means 11 reads the amount data and other information written on the securities after the securities are inserted, and recognizes the characters of the amount data.

The determining means 13 determines whether or not the monetary amount data has been correctly character-recognized, and in response to an affirmative determination, causes the recognizing means 11 to output information on the character-recognized monetary amount data.

The posting means 15 posts the amount data to a predetermined position of the securities based on the information output from the recognition means 11.

[For production]

In the present invention, the recognition means 11 character-recognizes the amount data written on the securities, and when the characters are correctly recognized, the transcription means 15 transcribes the amount data at a predetermined position on the securities. It is possible to automatically perform the posting process.

〔Example〕

Hereinafter, embodiments of the present invention will be described in detail based on the drawings.

In the embodiment, it is assumed that the function of the securities handling device of the present invention, which imports securities and transfers the recorded amount, is incorporated into an automatic transaction device.

FIG. 2 is a block diagram showing the configuration of an embodiment of the automatic transaction device of the present invention.

In the figure, a control unit 21 includes an optical reading unit 2 into which securities are inserted and which optically reads written information.
3, a character recognition unit 25 that recognizes amount data as character information from the information read by the optical reading unit 23, a magnetic character printing unit 27 that prints amount data in magnetic characters at a predetermined position on securities, and a transcription processing completed A stacker 29 in which securities are stored is connected to a stacker 31 in which securities that have not been transferred are stored.

Further, a cash card is inserted into the control unit 21,
A card reader 33 reads account numbers and other information from a cash card; a passbook stripe reader 35 into which a passbook is inserted reads account numbers and other information from the passbook; A passbook printing section 39 that prints the deposited amount or the refunded amount, a receipt printing section 41 that prints the processing details on a receipt, and a transmission control section 43 that controls sending the processing details to the host computer are connected.

The card reader 33, passbook stripe reader 35, operation panel 37, passbook printing section 39, receipt printing section 41, and transmission control section 43 are components conventionally included in automatic transaction devices.

Here, the correspondence between FIG. 1 and FIG. 2 will be explained.

The recognition means 11 includes an optical reading section 23 and a character recognition section 25.
corresponds to

The determining means 13 corresponds to the control section 21 and the operation panel 37.

The transcription means 15 corresponds to the magnetic character printing section 27.

FIG. 3 is a diagram illustrating the flow of processing in an embodiment for posting the amount written on securities.

The processing of the embodiment will be described below with reference to FIGS. 2 and 3.

The customer inserts the cash card into the card reader 33 of the automatic transaction device or inserts the passbook into the passbook magnetic stripe reader 35.

The automated teller machine reads the account number from the inserted cash card or passbook.

The customer inputs the password from the operation panel 37. The automatic transaction device inquires of the host computer about the PIN number, and if the PIN numbers match, the transaction is accepted.

The customer inserts securities into the optical reader 23.

The optical reader 23 optically reads the amount written on the securities, the name of the handling bank, and other information.

The character recognition unit 25 recognizes the inserted securities based on the information read by the optical reading unit 23, such as the clearing house number written in the part marked ■ in FIG. 4, which is printed with magnetic characters in advance. Determine whether or not the is a genuine bill.

When it is determined that the inserted security is a genuine note, the customer is instructed from the operation panel 37 to input the amount written on the security.

The customer inputs the amount written on the securities from the operation panel 37 according to the instructions.

The character recognition unit 25 recognizes the amount data as characters from the information read from the securities by the optical reading unit 23.

The control unit 21 compares the amount data input from the operation panel 37 with the amount data obtained by character recognition.

Here, even if the amount data entered on the securities is written in a checkerboard, the characters in the checkerboard are not standardized, so there are differences in the characters, it may be handwritten, and the characters may be different. The state of entry differs for each security, as it may be blurred.

Therefore, in order to avoid the amount data being erroneously recognized and posted, we ask the customer to enter the amount,
By comparing the input amount data with the recognized amount data, it is confirmed whether or not the amount data has been correctly recognized as characters.

When the input amount data matches the character-recognized amount data, the control section 21 sends the securities to the magnetic character printing section 27, and prints the amount data in magnetic characters on the part marked ■ in FIG. , and sent to the stacker 29 for storage. Further, the passbook entry unit 39 prints the temporary deposit on the passbook. In addition, the receipt printing unit 41 prints the temporary deposit on a receipt that serves as a copy on the bank side.

When these securities are exchanged at a clearing house and approved by the issuing bank, the money is officially transferred to the customer's account.

Note that when the character-recognized monetary data and the monetary data input from the operation panel 37 do not match, the control unit 21 stores the securities in the stacker 31. In this case, the operator then intervenes and performs the conventional posting process, and the temporary deposit is printed on the bankbook and receipt.

In addition, in the process described above, the customer inputs the amount data from the operation panel in order to check whether the amount data recognized by characters is correct. “Yes” to that,
The answer may be "no".

Further, when the control unit 21 determines that the inserted securities are fake, the control unit 21 refuses to accept the securities and returns the securities.

〔Effect of the invention〕

As described above, according to the present invention, it is possible to automate the posting process by character-recognizing the amount data written on securities and posting them to a predetermined position. This will shorten the processing time for tasks.

[Brief explanation of drawings]

Fig. 1 is a block diagram of the principle of the present invention, Fig. 2 is a block diagram showing the configuration of an embodiment of an automatic transaction device, and Fig. 3 shows the flow of processing in an embodiment of posting the amount written on securities. FIG. 4 is a diagram illustrating a check. In the figure, 11 is a recognition means, 13 is a judgment means, 15 is a transcription means, 21 is a control section, 23 is an optical reading section, 25 is a character recognition section, 27 is a magnetic character printing section, 29.31 is a stacker, 33 is a 35 is a bankbook magnetic stripe reader; 37 is an operation panel; 39 is a bankbook printing section; 41 is a receipt printing section; 43 is a transmission control section. A block diagram of the principle of the present invention. Fig. 1. A block diagram showing an embodiment of the automatic transaction device. Fig. 2. A diagram explaining a check. Fig. 4.

Claims (1)

[Claims] (1) A recognition unit (11) that reads the amount data and other information written in the securities when securities are inserted, and recognizes the amount data as characters; and whether or not the amount data is correctly recognized as characters. determination means (13) for outputting information obtained by character recognition of the amount data from the recognition means (11) in response to an affirmative determination;
), and based on the information output from the recognition means (11),
A securities handling device comprising: a posting means (15) for posting the amount data to a predetermined position of the securities.