KR100663875B1 - Multi functional Finance apparatus of giving and taking check and System of the Apparatus - Google Patents

Abstract

The present invention relates to a technology for issuing and storing checkbooks, and more particularly, to a multifunctional financial terminal and a system capable of issuing and storing checks.

According to the present invention, it is possible to simplify the check issuing task by electronically processing without a separate stamping or checking process required for issuing a check, and additionally storing an image of a scanned image of a customer's identification and using the stored image to save a real name. By checking, it has the advantage of increasing the efficiency of banking.

Multifunctional financial terminal and system capable of issuing and storing checks according to a characteristic aspect of the present invention include a main office server connected to a financial settlement source server, a plurality of branch servers connected to a main office server to transmit and receive data, a branch server and a local network It prints and prints the check issuing information on the checkbooks to be issued according to the operation commands of the employee computers, and extracts the information necessary for storing from the checkbooks to be stored and transmits the data to the employee computers. Characterized in that it comprises a multi-function financial terminal.

According to an advantageous aspect of the present invention, it is possible to scan various identification cards through a scanner and to issue copies of identification cards and various receipts through a printer, so that the role of the multifunction device for various business processes is possible.

Financial Teller, Checkbook, Check Sealer, MICR, Scanner

Description

Multi-functional financial apparatus and system capable of issuing and storing checks {Multi functional Finance apparatus of giving and taking check and System of the Apparatus}

1 is a block diagram schematically showing the configuration of a check issuing and receiving system according to a preferred embodiment of the present invention.

FIG. 2 is a block diagram illustrating in more detail the multifunction financial terminal and its system capable of issuing and storing checks according to FIG. 1.

3 is a block diagram illustrating a multifunctional financial terminal and a system capable of issuing and storing checks according to another embodiment of the present invention.

4 is a flowchart illustrating a check issuing operation operation of a multifunction financial terminal and a system capable of issuing and storing checks according to an exemplary embodiment of the present invention.

5 is a flowchart illustrating a check storing operation of a multifunction financial terminal and a system capable of issuing and storing checks according to an exemplary embodiment of the present invention.

6 is a flowchart illustrating a real-name inquiry operation of a multi-function financial terminal and a system capable of issuing and storing checks according to an exemplary embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

100. Head office server 110. Check information server

120. Customer Information Server 200. Branch Server

210. Customer Information Database 300. Employee Computers

310. Check issuing unit 320. Check storing unit

330. Real name inquiry unit 400. Multi-function financial terminal

410. Communication unit 420. Input unit

430. Display unit 440. Transfer unit

450. MICR reader 460. Check sealer

470. Scanning Section 471. Front Scanner

472. Back scanner 480. Control unit

481. Check issuing processing unit 482. Check storing processing unit

490. Printing unit 500. Character recognition unit

The present invention relates to a technology for issuing and storing checkbooks, and more particularly, to a multifunctional financial terminal and a system capable of issuing and storing checks.

Checks are securities in which the issuer consigns a fixed amount of payment to the payer (financial institution) to the recipient or other legitimate holder. Checks are a means of securitizing bonds with drafts to ensure repayment of bonds, while also making it easier to distribute bonds. The basic idea is to secure distribution.

Conventionally, in order to receive a deposit from a user's account as a check in a financial institution such as a bank, the cashier must fill in the withdrawal slip with the required information such as account number, amount, account password, customer's name, social security number, etc. The clerk will issue the check according to the check issuing process. During the check issuance process, the clerk checks the real name of the customer through the ID card received with the withdrawal slip, and then prints the amount of the check paper with the MICR through a separate check sealer and seals the seal. It was issued to the customer after typing in.

Checks entered into the employee's computer are subsequently registered and issued in batches as vouchers, collected by the employee's input to the branch server, and the collected data are sent to the main office server. The main office server collects data of each branch and transmits the registered data to the financial settlement agency.

However, in the conventional method, it is difficult for the employee to check the identification card provided with the withdrawal slip when the check is issued, and it is difficult to check whether the identification card is forged or forged, and when the check is issued using a separate printing machine, a stamper, or a printing press. For example, printing, stamping, etc. of the point of issue information, the amount of money, the unique number of the check, and the seal are required, which can reduce the efficiency of the work and the service to the customer. In addition, since the check issued to the customer is collectively inputted by the employee's key input and transmitted to the branch server, a lot of input time is required and a high possibility of an error input is required.

The present invention was devised to solve such a problem, and an object thereof is to provide a multifunctional financial terminal and a system capable of issuing and storing checks capable of issuing electronic checks without a separate input or printing process.

Furthermore, the present invention provides a multi-functional financial terminal and its system capable of issuing and storing checks that allow the terminal to issue and register checks in real time.

It is still another object of the present invention to provide a multifunctional financial terminal and a system capable of issuing and storing checks capable of storing electronic checks without the need for a separate check number and amount confirmation process.

Furthermore, it is possible to recognize the basic information of the checkbook only by inserting the checkbook, and to provide a multifunctional financial terminal and its system capable of issuing and storing checks capable of checking forgery and alteration.

Still another object of the present invention is to provide a multifunctional financial terminal and a system capable of checking a real name through scanning an ID of a customer, and issuing and storing a check capable of printing the scanned ID image.

Multifunctional financial terminal and the system capable of issuing and storing checks according to an aspect of the present invention for achieving the above object, when a customer wants to issue a check, the window clerk has a check issuance program mounted on his terminal, that is, the employee computer Drive it. The employee inputs the check issuance information according to the check issuance requested by the customer through the user interface of the check issuance program, and transmits the input issuance information to the multifunctional financial terminal provided at the window.

The multi-function financial terminal prints the check issuance information transmitted from the employee computer on the inserted checkbook. The multi-function financial terminal scans a checkbook printed with check issuance information and outputs it as image data, and transmits the scanned image to the employee computer along with the processing result of the check issuance. The employee computer transmits the checkbook information, the image, and the check issuing information to the main office server through the branch server connected to the local network according to the processing result transmitted from the multi-functional financial terminal. The main office server is connected to a server that is responsible for issuing and registering checks for the Financial Settlement Service, and transmits check issuance information to the Financial Payment Service Server, and requests registration of the check. The KFTC registers the check and authorizes the issue. The main office server receives the grant permission of the KFTC and notifies the employee computer through the branch server that issued the checkbook.

According to a further aspect of the present invention, a multifunction financial terminal and its system capable of issuing and storing checks according to the present invention handle the receipt of checkbooks deposited according to a customer's check deposit request. The window clerk drives the check storing program mounted on the employee computer and controls the storing operation of the multifunction financial terminal through the program's user interface. The multi-function financial terminal reads checkbook information from the MICR numbers or letters printed on the checkbook inserted by the verified customer, transfers the scanned image data to the employee's computer after scanning the front and back of the checkbook and ejects the checkbook. do. The employee computer extracts the checkbook unique number from the received checkbook image. The employee computer checks the forged number by checking the unique number of the extracted checkbook from the main office server connected to the branch server, and checks the forgery, calculates the amount information of the checkbook through the checkbook's unique number, and executes the checkbook deposit task. Process. The employee computer stores the processed checkbook's unique number, image data, and the result of the receipt on the branch server.

Furthermore, the multifunction financial terminal and the system capable of issuing and storing checks according to the present invention may further include a character recognition unit for reading the amount information of the check in which the amount information of the check book is written by hand.

According to a further aspect of the present invention, a multifunction financial terminal and a system capable of issuing and storing checks according to the present invention are capable of electronic identification inquiry through an image of a customer scanned by the multifunctional financial terminal.

When a customer visits a bank to receive financial services and inserts his / her ID card into a multi-functional financial terminal provided at the window, or enters personal information such as a social security number or password issued by a bank, for example, The financial terminal scans the inserted ID and sends the scanned image to the employee's computer. The employee's computer verifies the real name of the customer by retrieving the image of the customer's identity via a networked branch server.

According to a further aspect of the present invention, the multi-function financial terminal and the system capable of issuing and storing checks according to the present invention further include a printing unit for outputting an image of an ID of a customer. The printing unit prints and outputs the scanned ID card of the customer according to the control signal of the controller.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily understand and reproduce the present invention.

1 is a block diagram schematically showing the configuration of a check issuing and receiving system according to a preferred embodiment of the present invention. As shown, the check issuing and receiving system according to the present invention, the main office server 100 connected to the financial settlement server, a plurality of branch servers 200 for transmitting and receiving data by connecting to the main office server 100, branch server A plurality of employee computers 300 connected to the local area network 200 to transmit and receive data, and a multi-function financial terminal for issuing or storing checks according to an operation command of the employee computer 300 are included.

The main office server 100 is connected to the financial settlement server and the network, and includes a check information server 110 for storing check issuance information according to a checkbook issuance and a customer information server 120 for storing customer information. The main office server 100 requests registration from the employee computer 300 connected to the corresponding branch server 200 to issue a checkbook to the KFTC server in response to the connection of the plurality of branch servers 200 and processes the result of the processing. The branch server 200 transmits it. In addition, the checkbook data is provided in response to the checkbook information inquiry according to the checkbook storage task.

The branch server 200 collects check issuance and receipt requests transmitted from a plurality of employee computers 300 and transmits them to the main office server 100, and the check issuance and receipt processing results transmitted from the main office server 100 are employee computers. Provided at 300.

The employee computer 300 receives check issuance information necessary for issuing a check from a window employee and transmits the check issuance information to the multifunctional financial terminal 400, and receives the information necessary for storing from the multifunctional financial terminal 400 and transmits the information to the branch server 200. do.

The multi-function financial terminal 400 prints the check issuance information on the checkbook to be issued according to the operation command of the employee computer 300, or extracts information necessary for storing from the checkbook to be stored and transmits it to the employee computer 300. .

2 is a block diagram illustrating in more detail an employee computer 300 and a multifunction financial terminal according to an embodiment of the present invention. As shown, the employee computer 300 of the check issuing and receiving system according to the present invention includes a check issuing unit 310 and a check storing unit 320.

The check issuing unit 310 receives checkbook information read through MICR numbers or letters printed on the checkbook to be issued from the multifunction financial terminal, checks whether the checkbook is inserted, and checks the unique number, amount, and point of issue of the checkbook. Check issuance information including the information and issue date information is transmitted to the multifunction financial terminal. In addition, the check issuing unit 310 transmits the check issuance information and the issue result information including the check data and the check issuance processing result transmitted from the multi-function financial terminal to the branch server 200.

The check accommodating unit 320 receives checkbook information read through MICR numbers or letters printed on the checkbook to be stored from the multi-function financial terminal and check information server 110 of the main office server 100 connected to the branch server 200. ) To determine if the checkbook is forged or not, extract the unique number from the image of the checkbook, calculate the amount through the extracted unique number, and process the receipt of the check. In addition, the check accommodating unit 320 transmits the storing result information including the image data of the checkbook and the unique number read out from the multifunction financial terminal to the branch server 200.

The multi-function financial terminal 400 may include a communication unit 410 for transmitting and receiving data to and from the employee computer 300, an input unit 420 for receiving an operation command, and a display unit for displaying the state and operation state of the multi-function financial terminal 400. 430, a transfer unit 440 for transferring the inserted checkbook and identification card, a MICR reader 450 for reading and outputting checkbook information from MICR numbers or letters printed with magnetic ink on the checkbook, and issuing a check A check stamper 460 for printing and printing information on the checkbook, a scanning unit 470 for scanning and outputting the checkbook or the customer identification card transferred by the transfer unit 440, and an employee according to issuing and storing checks And a control unit 480 for controlling the entire apparatus in accordance with a control signal from the computer 300.

The communication unit 410 transmits and receives data with the employee computer 300, the multi-function financial terminal 400 according to the present invention, for example, wired communication method such as RS-232, TCP / IP, USB or RF or Bluetooth The same wireless communication method is used to communicate with the employee computer 300. Since the wired or wireless communication system described above is a general well-known matter, a detailed description thereof will be omitted.

An input unit 420, such as a keypad composed of a plurality of input keys, and a display unit 430, for example, a liquid crystal display, may have a conventional well-known configuration.

The input unit 420 includes a plurality of numeric keys for inputting a selection number of a service to be provided by the customer, for example, inputted from an employee or a customer at the counter, and a plurality of function keys such as confirmation, cancellation, and termination. In this case, the operation command of the clerk or the customer is input.

The display unit 430 is configured as, for example, a liquid crystal display device such as an LCD, and inputs an operation signal of an employee or a customer input through the input unit 420 and an operation program of the multifunction financial terminal 400 according to the present invention. According to the user interface or the user input via the keypad 140 and displays the operating state of the financial processing device.

The transfer unit 440 transfers the checkbook or the customer ID card inserted according to the control signal of the controller 480 to processing circuits inside the multifunction financial terminal 400, or the ID card issued or received or received in the real name inquiry. To discharge. The transfer unit 440 transfers a checkbook or an identification card of a customer inserted through rotation of a plurality of rollers formed in the multifunction financial device.

The MICR reader 450 reads the checkbook information from the MICR (Magnetic Ink Character Reader) number or letter printed on the checkbook and outputs the checkbook information to the controller 480. At the bottom of all the checkbooks currently issued are MICR numbers or letters printed with magnetic ink. The MICR reader 450 is a device that magnetically reads MICR numbers or letters printed on a specific sheet of paper in a specific type of letter type, and transmits the contents thereof to a processing terminal such as a computer. Is very difficult and is used to prevent counterfeiting of securities and checks. Identifying characters is an application of the figure recognition method. In addition to sending the read data to a processing terminal such as a computer, most of the character reading device can be transferred to a punch card or a magnetic tape, so that it can process slips at hundreds of sheets per minute.

Check checker 460 is, for example, a small printer that prints check issuing information on a check book, and prints the check issuing information transmitted from the employee computer 300 to the check book. In general, a checkbook is printed with a unique number unique to each check at the time of check issuance, the amount of money, point of issue information, and the date of issue. This check issuance information is input from the employee computer 300, the input check issuance information is transmitted to the control unit 480 of the multi-function financial terminal 400. The control unit 480 of the multi-function financial terminal 400 receives it and transmits it to the check stamper 460, and the check stamper 460 outputs the check issuing information to the inserted checkbook.

In addition, the check stamper 460 of the multi-function financial terminal 400 according to the present invention can be a compact color printer, so that the person in charge of the checkbook issuance point can be sealed. In general, the checkbook contains the check issuing information as well as the person in charge of the point of issue, that is, the branch manager of the point of issue. Therefore, when the check stamper 460 is implemented as a compact color printer, the stamped image of the person in charge can be stored and printed together when the check stamped, without the need for the staff to directly stamp.

The scan unit 470 scans and outputs the identification card or checkbook of the customer inserted into the multifunction financial terminal 400. The scanning unit 470 includes a front scanner 471 for scanning the front side of the customer identification card or checkbook and a back scanner 472 for scanning the back side of the customer identification card or checkbook. The image of the identification card or the checkbook scanned by the scanning unit 470 is transmitted to the employee computer 300.

The control unit 480 controls the first half of the multi-function financial terminal 400, and transmits the check book information received from the MICR reader 450 to the check issuing unit 310 of the employee computer 300, the check issuing unit ( Check check processing unit 481 outputs a control signal of check checker 460 to print check issuing information received from 310, and transmits the check data to the check issuing unit 310, and the image data of the issued check book and the check processing result. The check storing unit 320 receives a check storing command from the check storing unit 320 of the employee computer 300, and checks the checkbook information read from the MICR reading unit 450 and the check image output from the scanning unit 470. It is configured to include a check storing processing unit 482 to output to 320.

The check issuance processing unit 481 transmits the check book information led by the MICR reader 450 to the check issuing unit 310, and is, for example, a check number unique to the check issuing unit 310. Receiving check issuance information such as issuance point information and issuance date, and outputs a control signal of the check indenter 460 for printing the issuance information on the checkbook. In addition, the check issuing unit 470 transmits the image data of the check book issued by the scanning unit 470 and the check issue processing result to the check issuing unit 310.

For example, when a customer requests to issue a check, the employee drives the check issuing unit 310 through a program that is mounted and driven in the employee computer 300 provided at the window. The multifunction financial terminal 400 requests the insertion of a checkbook to be issued according to the driving of the check issuing unit 310. When a checkbook to be issued by the teller is inserted, the check issuing processor 481 of the multi-function financial terminal 400 drives the MICR reader 450 to issue checkbook information reading the numbers or letters printed by the MICR. Transmit to unit 310. When the checkbook information is received, the check issuing unit 310 transmits the check issuing information according to the checkbook issuance input by the employee to the multi-function financial terminal. The multi-function financial terminal 400 prints the transmitted check issuing information on the check book, scans the printed check book, and transmits the scanned check book image and the processing result to the check issuing unit 310. The check issuing unit 310 transmits the transmitted checkbook image and the publication result to the branch server 200, and the branch server 200 requests registration and granting of the checkbook to the main branch server 100.

The check storing processing unit 482 receives a check storing command from the check storing unit 320 of the employee computer 300, and outputs the check book information read by the MICR reader 450 and the check output from the scanning unit 470. The image is output to the check storing unit 320.

For example, when a check to be stored by a customer's checkbook receipt request is inserted, the inserted checkbook is transferred to the MICR reader 450 by the transfer unit 440. The MICR reading unit 450 transmits the checkbook information reading the MICR number or letter printed on the checkbook to be issued to the check storing processing unit 482 of the multifunction financial terminal 400. The check storing processing unit 482 transmits a control command to the transferring unit 440 to transfer the checkbook to the scanning unit 470. The check book transferred to the scan unit 470 by the transfer unit 440 is scanned by the front and back sides by the front scanner 471 and the back scanner 472 and then transferred to the check receiving processing unit 482. The check storing processing unit 482 transmits the check book information read by the MICR reading unit 450 and the image of the check book scanned by the scanning unit 470 to the check storing unit 320 of the employee computer 300. The check accommodating unit 320 transmits the transmitted checkbook information to the main office server 100 through the branch server 200.

The main office server 100 checks the checkbook information transmitted from the branch server 200 in the check information server 110 to check whether the checkbook is forged or registered and checks the checkbook issued information of the checkbook. 200 to the employee computer 300. In the case of a checkbook that is normally registered and issued, the employee computer 300 calculates the amount of the check through the check issuance information and processes the checkbook receiving task. The check storing unit 320 stores the check result information including checkbook information and checkbook image data in the check information server 110 of the main office server 100 through the branch server 200 when the checkbook processing is completed. .

On the other hand, if the checkbook received is a checkbook issued by the other row, the main office server 100 is connected to the financial settlement server to check the check issuance information using the checkbook information received, and transmits the retrieved issued information to the branch server 200 do.

  3 is a block diagram illustrating a multifunctional financial terminal and a system capable of issuing and storing checks according to another embodiment of the present invention. As shown, the multi-function financial terminal 400 according to the present invention further includes a character recognition unit 500 for reading the amount information of the check in which the amount information is written by hand. The character recognition unit 500 is implemented with, for example, an apparatus such as an optical character reader (OCR) capable of recognizing both printed and handwritten characters, and a tablet (tablet) capable of recognizing handwritten characters. . Character recognition is a technique of automatically reading / identifying printed or handwritten characters into a field of pattern recognition and converting them into codes that can be understood by a processing terminal such as a computer.

In general, checks are printed with check issuance information printed on checkbooks with fixed amounts of money, such as $ 100, $ 500, and $ 100, and $ 1.2, Like the 15 million won bill, the amount is classified by handwritten notes issued. In the case of a draft issued by our company, the amount can be inquired by reading the unique number printed on the checkbook, but in the case of a draft issued by the other row, the counter staff had to enter the amount written on the check and process the receipt. . The character recognition unit 500 identifies a portion in which the amount of money is written among the images of the check issued by the other row, calculates the amount of the checkbook, and outputs the amount to the check storing unit 320. The check accommodating unit 320 processes the checkbook receiving using the received amount information.

According to an additional aspect of the present invention, the employee computer 300 according to the present invention receives the customer ID image output from the multi-function financial terminal 400, the name of the customer in the customer information database 210 of the branch server 200 It further includes a real name inquiry unit 483 for inquiring.

The customer information database 210 provided in the branch server 200 may be configured of, for example, a nonvolatile memory such as a flash memory, and in some cases, a large capacity hard disk may be used. The customer information database 210 stores customer-specific information, for example, personal information such as a resident registration number or financial information such as an account number, a password issued by a bank, and a credit card number for each customer.

When the customer inserts the ID card into the multi-function financial terminal 400 to receive the financial service, the ID card is transferred to the scan unit 470 by the transfer unit 440. The transferred identification card is scanned by the front and back surfaces by the front scanner 471 and the back scanner 472 of the scanning unit 470, and the scanned image is output to the real name inquiry unit 330. The real name inquiry unit 330 searches whether there is an ID image that matches the ID image transmitted from the scan unit 470 in the customer information database 210 of the branch server 200.

The window clerk provides the financial service to the customer whose name is confirmed through his terminal, that is, the employee computer 300. In the case of a new transaction customer or a customer who is not registered in the bank, the ID card of the inserted customer is scanned and the scanned image is stored in the customer information database 210 in association with the customer ledger such as the customer's account application. The customer information database 210 is uploaded to the customer information server 120 of the main office server 100 using a real time or night time without banking, and the customer information server 120 is connected to a network with another branch so as to realize the real name of the customer. Can be used for confirmation.

In addition, the customer information server 120 may store, for example, the service contents processed for each customer, and manage transaction details of the customer if necessary. Therefore, it can be effectively interfaced with a management system that exists separately therein, and the manager and the counter staff can view or output the stored customer management information through the manager computer or the employee computer 300.

According to a further aspect of the present invention, the real name inquiry unit 483 according to the present invention outputs a print signal of the ID card output by the scanning unit 470 to the multi-function financial terminal 400, multi-function financial terminal 400 The printer may further include a printing unit 490 for printing and outputting an ID image output from the scanning unit 470 according to a printing signal output from the real name inquiry unit 330 of the employee computer 300.

If a real name certificate such as an accident report is required, the image of the customer stored in the customer information database 210 of the branch server 200 or an image of the ID card inserted into the multi-function financial terminal 400 is printed and output directly from the window. can do. Therefore, the counter staff has the advantage of preventing the inconvenience of having to copy the identification card through a copy machine, and prevents the difficulty of identification in the future according to the copy status.

For example, if a customer visits a bank and requests financial services, such as issuing a check, the clerk at the bank tells the customer to submit his / her ID card to verify his / her identity. The customer inserts the identification card into the multi-function financial terminal 400 provided at the window according to the identification card submission request. The inserted ID card is transferred to the scan unit 470 by the transfer unit 440 of the multifunction financial terminal 400, and the front and back images of the customer ID card are output by the front scanner 471 and the back scanner 472. The front and back image data of the scanned ID is transmitted to the real name inquiry unit 330. The real name search unit 330 checks the real name of the customer by searching the customer information database 210 of the branch server 200 to find the ID image that matches the image of the identification.

According to another aspect of the present invention, identification of a customer may be performed by inputting personal information such as, for example, a social security number of a customer registered in a bank server or a password issued by a bank. When a customer inputs personal information such as a social security number or a password issued by a bank through the input unit 420 provided in the multi-function financial terminal 400, the multi-function financial terminal 400 receives and transmits it to the employee computer 300. . Employee computer 300 may check the identity of the customer by using the transmitted personal information.

Hereinafter will be described in more detail the operation of the multi-function financial terminal and the system capable of issuing and storing checks according to an embodiment of the present invention.

4 is a flowchart illustrating a check issuing operation operation state of a multifunction financial terminal and a system capable of issuing and storing checks according to an exemplary embodiment of the present invention. As illustrated, when the customer's financial service request is a check issuance, the employee computer 300 outputs a driving signal of the multifunction financial terminal 400 by driving the check issuance program (S110).

The multifunction financial terminal 400 requests the insertion of a checkbook to be issued, and when the checkbook is inserted, the check issuing processor 481 of the controller 480 outputs a driving command signal of the MICR reader 450. The MICR reader 450 reads the checkbook number printed with magnetic ink on the checkbook and outputs the checkbook number to the check issuing processor 481. The check issuing processor 481 reads the checkbook information to the employee computer 300. It transmits (S120).

The employee computer 300 receives the checkbook number and issues a check issuance information running on the employee computer 300 including check number, amount, issue point information, and issue date information of the check issued according to the checkbook issue. Received through the user interface of the program and transmitted to the multi-function financial terminal 400, the check issuance processing unit 481 receives this (S130).

The check issuing unit 481 transmits the check issuing information to the check indenter 460 to print the check issuing information of the checkbook to be issued, and transmits a control command to the transfer unit 440 to send the check invoice to the check indenter ( 460). When the checkbook is transferred to the check stamper 460, the check stamper 460 prints the check issuing information received from the check issuing processor 481 to the checkbook (S230). Furthermore, the check sealer 460 can be a compact color printer, so that the person in charge of the checkbook issuance point can be sealed.

The checkbook on which the check issuing information is printed is transferred to the scanning unit 470 by the transfer unit 440, and the scanning unit 470 scans the front and the back of the transferred checkbook and transfers the scanned image to the check issue processing unit 481. Print out and check out. The check issue processing unit 481 transmits the issue processing result and the checkbook image scanned from the scanning unit 470 to the employee computer 300 (S140).

The employee computer 300 receives the checkbook image data and the processing result transmitted from the check issuing processing unit 481 to generate and store a check issuing file, and stores the check issuing information through a branch server 200 connected through a network. Transfer to the main office server 100 (S150) (S160). The main office server 100 is connected to a server that is responsible for issuing and registering checks for the Financial Settlement Service, and transmits check issuance information to the Financial Payment Service Server, and requests registration of the check. The KFTC registers the check and authorizes the issue. The main office server 100 receives the grant permission of the KFTC and notifies the employee computer 300 through the branch server 200 that issued the checkbook (S170). The employee computer 200 transmits and stores the image of the checkbook registered and the check issuance information to the branch server 200 (S190).

5 is a flowchart illustrating a check storing operation of a multifunction financial terminal and a system capable of issuing and storing checks according to an exemplary embodiment of the present invention. As illustrated, when the customer's financial service request is a check receipt, the employee computer 300 outputs a driving signal of the multifunction financial terminal 400 by driving the check storing program (S210).

The multifunction financial terminal 400 requests the insertion of the checkbook to be stored, and when the checkbook is inserted, the inserted checkbook is transferred to the MICR reader 450 by the transfer unit 440. The MICR reader 450 transmits the checkbook information read from the MICR number or letter printed with the magnetic ink to the checkbook processor 482 of the multifunction financial terminal 400 (S310). The check storing processing unit 482 transmits a control command to the transferring unit 440 to transfer the checkbook to the scanning unit 470. The check book transferred to the scan unit 470 by the transfer unit 440 is scanned by the front and back sides by the front scanner 471 and the back scanner 472 and then transferred to the check receiving processing unit 482. The check storing processing unit 482 transmits the received checkbook information and the check image to the check storing unit 320 of the employee computer 300 (S220).

The employee computer 300 transmits the unique number of the extracted checkbook to the main office server 100 through the branch server 200 (S230) and (S240). The head office server 100 checks the forgery number by checking the check number transmitted from the branch server, and checks the check result including the issued information of the checkbook through the branch number to the employee's computer through the check server. Transmit (S250), (S260). The employee computer calculates the amount information from the received check issuing information and processes the check receiving task by applying the exchange rate of the transaction time. The employee computer 300 stores the processed checkbook unique number, image data, and storing result in the branch server 200 (S270).

On the other hand, if the checkbook to be stored is a bill of another line issued by arbitrarily inputting an amount of money, for example, 1.2 million won and 15 million won ticket, the check storing processing unit 482 may determine the amount of the checkbook through the character recognition unit 500. Information can be extracted. The character recognition unit 500 identifies a portion in which the amount of money is written among the images of the check issued by the other row, calculates the amount of the checkbook, and outputs the amount of the checkbook to the check storing processing unit 482. The check storing processing unit 482 outputs the received amount of money information and the check book information read by the MICR reading unit 450 to the employee computer 300.

6 is a flowchart illustrating a real-name inquiry operation of the multi-function financial terminal and the system capable of foreign currency exchange according to an embodiment of the present invention. As shown, when the customer visits the bank window to receive the financial service, the employee computer 300 drives the real name verification program to output the driving signal of the multifunction financial terminal 400 to verify the real name (S310).

The multifunction financial terminal 400 requests the customer's ID card to be inserted, and when the ID card is inserted, the transfer unit 440 of the multifunction financial terminal 400 transfers the inserted ID card to the scan unit 470. The front scanner 471 and the back scanner 472 of the scanning unit 470 scans the front and back of the transferred identification card and transmits it to the real name inquiry unit 330 of the employee computer 300 (S320). The real name inquiry unit 330 transmits the ID image to the branch server 200 for the real-name inquiry (S330), the branch server 200 matches the image transmitted from the scanning unit 470 in the customer information server 120 Search whether the customer information is present, and transmits the inquiry result to the employee computer (300) (S340).

In the case of a new transaction customer or a customer who is not registered in the bank, the employee computer 300 drives the multi-function financial terminal 400, and the personal information and the scan unit 470 of the customer input by the employee are driven. The scanned ID card image is transmitted to the branch server 200 (S350). Branch server 200 is linked to the customer information entered through the customer ledger, such as the customer ID card image and the customer's account application form, stored in the customer information server 120 of the branch, the new customer registration confirmation signal The employee computer 300 to transmit (S360). In addition, the branch server 200 registers the newly registered customer information and ID card image to the customer information server 120 of the main office server 100 (S370).

Meanwhile, the multi-function financial terminal 400 prints and outputs a customer ID card inserted according to an operation command of the employee computer 300 or a customer ID card stored in the customer information server 120 of the branch server 200. When the ID card printing command is transmitted from the employee computer 300, the multi-function financial terminal 400 outputs an image of the inserted ID card or prints out an ID image image read out from the customer information server 120 by the employee computer 300. In operation 380, the printer 490 prints the received image and outputs the received image.

As described in detail above, the multi-function financial terminal according to the present invention checks the real name using the scanned image of the ID of the customer who wants to issue a check, receives the check issuing information transmitted from the employee computer, and prints it on the check book. By issuing, it is possible to issue an electronic check that can simplify the task of staff to move and take the stamp.

In addition, by issuing a check by processing the check registration result of the check in real time from the employee computer, there is an advantage that can improve the efficiency of banking business.

In addition, by storing the scanned image of the identification card of the customer, using the stored image to check the real name, and print a copy of the identification card through the printing unit, to avoid the inconvenience of having to present the identification card every time, and by using the network It can be used at other points.

In addition, the counter staff has the advantage of preventing the inconvenience of having to copy the identification card through a copy machine, and prevents the difficulty of identification in the future according to the copy status.

In addition, the multi-function financial terminal according to the present invention checks forgery or tampering by using the MICR printed on the checkbook desired to be stored, and automatically receives check number and amount information through the scanned checkbook image, thereby processing business. It has the effect of saving time and money spent on.

The present invention has been described above with reference to preferred embodiments, but is not limited thereto, and is interpreted by the appended claims, which are intended to cover many modifications that will be apparent to those skilled in the art without departing from the scope of the present invention. Should be done.

Claims (9)

A check issuing and receiving system comprising a multifunction financial terminal for processing check issuance and receipt, and an employee computer controlling the multifunction financial terminal and connected to a branch server communicating with a main office server, wherein the employee computer comprises: When a check is issued, a driving command for issuing a check is transmitted to the multifunction financial terminal, and check check information of a check to be issued from the multifunction financial terminal driven for check issuance is received and information about the check issuance input by the employee is received. Check issuance is sent to the multi-function financial terminal, the check issuing information and the stamp image is printed from the multi-function financial terminal to receive the image data of the checkbook issued and the result of the processing of the check is sent to the branch server to be stored in the head office server Wealth; And a real name inquiry unit for receiving a customer ID image output from the multi-function financial terminal and inquiring a real name of a customer from a branch server, or outputting an image print signal to the multi-function financial terminal. The multifunction financial terminal has: A transfer unit for transferring the checkbook to be inserted; A MICR reader for reading and outputting checkbook information from the MICR number or letter printed on the checkbook transferred by the transfer unit; A check stamper for printing check issuance information sent from the employee computer and for color printing a stamp image transmitted from the employee computer or stored in the terminal; A scanning unit which scans and outputs the checkbook or the customer identification card transferred by the transfer unit; A printing unit which prints and outputs an ID image output from the scanning unit according to an image print signal output from the real name inquiry unit; The checkbook information output from the MICR reader is transmitted to the employee computer according to the driving command for the check issuance of the employee computer, and the print operation of the check stamper is controlled as the check issue information is received from the employee computer. A control unit including a check issuing processing unit which transmits the image data of the issued check book and the result of issuing processing to the employee computer; Check issuance and storage system comprising a. A check issuing and receiving system comprising a multifunction financial terminal for processing check issuance and receipt, and an employee computer controlling the multifunction financial terminal and connected to a branch server communicating with a main office server, wherein the employee computer comprises: When a check is issued, a driving command for issuing a check is transmitted to the multifunction financial terminal, and check check information of a check to be issued from the multifunction financial terminal driven for check issuance is received and information about the check issuance input by the employee is received. Check issuance is sent to the multi-function financial terminal, the check issuing information and the stamp image is printed from the multi-function financial terminal to receive the image data of the checkbook issued and the result of the processing of the check is sent to the branch server to be stored in the head office server Wealth; When the check is stored, the driving command for storing the check is transmitted to the multi-function financial terminal, and the check unique image is received by receiving a checkbook image of the check to be stored from the multi-function financial terminal driven for storing the check. A check receiving unit for transmitting check processing information to the main office server through the branch server to check check issuing information, and calculating the amount information from the check issuing information according to the inquiry result; And a real name inquiry unit for receiving a customer ID image output from the multi-function financial terminal and inquiring a real name of a customer from a branch server, or outputting an image print signal to the multi-function financial terminal. The multifunction financial terminal has: A transfer unit for transferring the checkbook to be inserted; A MICR reader for reading and outputting checkbook information from MICR numbers or letters printed on the checkbook transferred by the transfer unit; A check stamper for printing check issuance information sent from the employee computer and for color printing a stamp image transmitted from the employee computer or stored in the terminal; A scanning unit which scans and outputs the checkbook or the customer identification card transferred by the transfer unit; A printing unit which prints and outputs an ID image output from the scanning unit according to an image print signal output from the real name inquiry unit; The checkbook information output from the MICR reader is transmitted to the employee computer according to the driving command for the check issuance of the employee computer, and the print operation of the check stamper is controlled as the check issue information is received from the employee computer. A check issuing processing unit which transmits the image data of the issued checkbook and the result of issuing processing to the employee computer, and the checkbook information and the scanning unit output from the MICR reading unit according to a driving command for storing a check in the employee computer. A control unit including a check receipt processing unit for transmitting the checkbook image output from the employee computer; Check issuance and storage system comprising a. delete delete A multifunctional financial terminal for processing check issuance and receipt under the control of an employee computer, the terminal comprising: A transfer unit for transferring the checkbook to be inserted; A MICR reader for reading and outputting checkbook information from MICR numbers or letters printed on the checkbook transferred by the transfer unit; A check stamper for printing check issuance information sent from the employee computer and for color printing a stamp image transmitted from the employee computer or stored in the terminal; A scanning unit which scans and outputs the checkbook or the customer identification card transferred by the transfer unit; The checkbook information output from the MICR reader is transmitted to the employee computer according to the driving command for the check issuance of the employee computer, and the print operation of the check stamper is controlled as the check issue information is received from the employee computer. A check issuing processing unit which transmits the image data of the issued checkbook and the result of issuing processing to the employee computer, and the checkbook information and the scanning unit output from the MICR reading unit according to a driving command for storing a check in the employee computer. A control unit including a check receipt processing unit for transmitting the checkbook image output from the employee computer; Multifunctional financial terminal comprising a. The method of claim 5, wherein the scan unit: And a front scanner configured to scan and output a front surface of the check book transferred by the transfer unit, and a rear scanner configured to scan and output a rear surface of the check book. The method of claim 5 wherein the check issuance information is: Multi-function financial terminal, characterized in that it contains a unique number, the amount of money, issuance point information, issue date information. 8. The terminal of claim 7, wherein the multifunction financial terminal is: A multi-function financial terminal, characterized in that it further comprises a character recognition unit for reading the amount information of the note check written by hand. The terminal of claim 6 wherein the multifunction financial terminal is: And a printing unit for printing and outputting an identification image output from the scanning unit according to a printing signal output from the employee computer.

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