JP2005222354A - Form handling device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a form handling device that can easily prevent duplicate transactions from being performed.
After a transaction using a form 10, erase lines 19a and 19b are printed by a print head so that an OCR part 11 and a bar code part 12 of the form 10 cannot be read. The OCR unit 11 and the barcode unit 12 indicate information necessary for the transaction. If the OCR unit 11 and the barcode unit 12 cannot be read, the transaction is not performed.
[Selection] Figure 6

Description

  The present invention relates to a form handling apparatus capable of automatically performing a transaction using a form.

  Forms are used to pay public utilities. A person who pays a fee by means of a form (hereinafter referred to as a user) submits the form and cash for the amount requested at a bank counter and receives a receipt. There is a form handling apparatus that can automatically perform transactions using such a form.

  FIG. 1 is an explanatory diagram showing an example of a form that can be used in a form handling apparatus. The form 10 is printed with a user account number, a charge amount, and a “customer number” that is a user ID. The numerical value of the ID part 14 indicates the type of the form 10. The OCR unit 11 is an enumeration of numbers that can be read by the OCR, and indicates the form code of the form 10, the billing amount, the information of the claimant, and the like. The bar code unit 12 is a bar code that can be read by a bar code reader, and shows a form code, a billing amount, biller information, and the like, similar to the OCR unit 11. The receipt stamps 13a and 13b are columns where a receipt stamp is pressed when a fee is paid. When the fee is paid, the form 10 is cut along the cut line 15. Of the two paper pieces formed by cutting the form 10, the paper piece on which the “customer number” is displayed is returned to the user as a receipt.

  The receipt stamps 13a and 13b and the cut line 15 are used when a transaction is performed at a window. When a transaction is performed using a form handling device, the form 10 is not stamped or cut, and remains as a user. In general, Patent Document 1 proposes a form handling apparatus provided with a mechanism for pressing a receipt mark and a mechanism for cutting the form 10 with a cut line 15.

JP-A-9-223259

  However, even if the transaction is completed, if the form 10 that is not different from the pre-payment form 10 is returned from the form handling device, the user may mistakenly recognize that the fee has not been paid and pay the fee again. . The form 10 that is not different from the form 10 before the payment is, for example, the form 10 returned without being processed as it is, or the form 10 returned only by pressing the receipt stamp.

  When the form handling device includes a mechanism for cutting the form 10 as in Patent Document 1, only a part of the receipt of the form 10 is returned to prevent the user from paying twice. However, since a dedicated device called a mechanism for cutting the form 10 is required, there is a problem that the form handling apparatus is increased in size.

  The present invention has been made to solve the above-described problems, and an object of the present invention is to provide a form handling apparatus that can easily prevent duplicate transactions from being performed.

  A form handling apparatus that solves at least a part of the above problems is a form handling apparatus for automatically performing a transaction using a form, and reads the transaction information necessary for the transaction indicated in the form. Based on the transaction information read by the reading unit, a transaction unit for realizing the transaction, a printing unit for performing predetermined printing on the form, and controlling the printing unit after realizing the transaction by the transaction unit And a print control unit that causes the form to perform printing that hinders reading by the reading unit.

  According to the present invention, since the transaction information of the form is made unreadable by the printing unit that can be used for various purposes in handling the form, it is possible to easily prevent duplicate transactions from being performed. Other uses of the printing unit include printing of the identification number of the form handling device, the handling date, etc. on the form.

  The print control unit may cause the print unit to print with a conspicuous color. Then, since it can be easily confirmed that the transaction has been completed, the effect of preventing duplicate transactions is enhanced. Examples of the reading unit include an OCR and a barcode reading device. The transaction information includes information indicating where in the form information necessary for the transaction is written.

  The print control unit may print a line or a mark indicating that the transaction has been completed in addition to the print that prevents the transaction information from being read. If the reading unit can read a line or mark indicating that the transaction has been completed, it can be confirmed that the transaction has been completed without attempting to read the transaction information. If the transaction department confirms that the transaction has been completed, it is possible to prevent duplicate transactions if the transaction is not performed.

  In the form handling apparatus, the print control unit may print at least part of a portion where the transaction information is displayed.

  A line or a mark may be printed over the place where the transaction information is shown, or a print that fills the transaction information may be made. The print control unit may not be a print superimposed on the transaction information. For example, the print control unit may be underlined close to the transaction information.

  In the form handling apparatus, the print control unit causes the reading unit to read the transaction information and causes the printing unit to perform the printing until it is confirmed that the reading unit cannot read the transaction information. It may be. Thereby, transaction information can be made unreadable reliably.

  The present invention can be configured as an invention of a form handling method as well as a form handling apparatus. That is, a form handling method for automatically performing a transaction using a form, wherein the transaction information shown in the form is read out and the transaction information is read out in the reading step. The transaction process for realizing the transaction, and after the transaction is realized by the transaction process, the printing unit that performs a predetermined printing on the form is controlled to cause the form to print to prevent reading in the reading process. You may comprise as a form handling method provided with the printing control process.

  Further, the present invention can be realized in various modes such as a computer program that realizes these, a recording medium that records the program, and a data signal that includes the program and is embodied in a carrier wave. That is, a computer program incorporated in a form handling device for automatically performing a transaction using a form, wherein the form handling device reads a transaction information necessary for the transaction shown in the form And a printing unit that performs predetermined printing on the form, and based on the transaction information read by the reading unit, a transaction function that realizes the transaction, and after the transaction is realized by the transaction function, the printing unit You may comprise as a computer program for making the said document handling apparatus implement | achieve the printing control function which controls and prints the said form which prevents reading with the said reading part. In addition, in each aspect, it is possible to apply the various additional elements shown above.

  When the present invention is configured as a computer program or a recording medium on which the program is recorded, the entire program for controlling the operation of the form handling apparatus may be configured, or only the part that performs the function of the present invention is configured. It is good also as what to do. The recording medium includes a flexible disk, a CD-ROM, a DVD-ROM, a magneto-optical disk, an IC card, a ROM cartridge, a punch card, a printed matter on which a code such as a barcode is printed, a computer internal storage device (RAM or Various types of computer-readable media such as a memory such as a ROM and an external storage device can be used.

Hereinafter, embodiments of the present invention will be described in the following items.
A. Example:
A1. overall structure:
A2. General structure of ATM:
A3. processing:
A4. effect:
B. Variation:

A. Example:
A1. overall structure:
FIG. 2 is an overall configuration diagram of a multi-payment system using a form handling apparatus. The multi-payment system includes an ATM (Automatic Teller Machine) 100 as a form handling device, a server of a financial institution (hereinafter referred to as a financial institution server 30), and a server of a storage institution such as a company or public office. (Hereinafter referred to as the storage engine server 40). The ATM 100 is an ATM 100 managed by a financial institution and is connected to the financial institution server 30 via a network. Further, the financial institution server 30 and the storage institution server 40 are also connected via a network.

  In the ATM 100 of the present embodiment, it is possible to perform deposit / withdrawal processing using a passbook or a card in addition to transactions using a form. You may comprise ATM100 as a form handling apparatus which has only a transaction function with a form. Further, the transaction using the form 10 in this embodiment is “payment” to the storage organization. The form 10 is the form 10 of FIG. 1 described above, and is a form 10 for paying a fee to the storage organization. The transaction is not limited to payment but may be withdrawal.

  The financial institution server 30 is a server that manages the form 10 that can be handled by the ATM 100 of the financial institution, and stores a handling form DB 31. The handling form DB 31 stores the “storage organization code” of the storage institution that issued the form 10 and the “form code” of the form 10 in association with each other. The storage institution server 40 is a server that manages the form 10 issued by the storage institution, and stores a form DB (database) 41. The form DB 41 stores the “form code” of the issued form 10.

Next, processing performed in the multi-payment system will be described. First, the storage organization issues a form 10 to the user 20 (S1 in FIG. 2). At that time, the storage institution server 40 stores the “form code” in the form DB 41. Further, the storage institution server 40 transmits to the financial institution server 30 the “storage institution code” of the storage institution and the “form code” of the issued form. The financial institution server 30 stores the received data in the handling form DB 31.

  The user 20 pays from the ATM 100 using the form 10 (S2 in FIG. 2). When the form 10 is inserted by the user 20, the ATM 100 performs a form transaction process. Here, the form transaction process will be briefly described and will be described in detail later. The ATM 100 communicates with the financial institution server 30 by using the “form code” and the “storage institution code” read from the form 10 to determine whether or not the inserted form 10 can be handled by the financial institution. Collation is performed (S3 in FIG. 2). Then, if the form 10 can be handled by the financial institution, the transaction is made and payment data indicating that the payment has been completed is transmitted to the financial institution server 30 together with the “form code” and the “storage institution code” ( S4 in FIG. The above is the form transaction processing by ATM100.

  Upon receiving these data, the financial institution server 30 transmits the erase data together with the “form code” to the corresponding storage institution server 40 (S5 in FIG. 2). Upon receiving the erase data, the storage institution server 40 deletes the “form code” from the form DB 41 and assumes that payment has been made.

A2. General structure of ATM:
FIG. 3 is an explanatory diagram showing a schematic configuration of the ATM 100. Hereinafter, the configuration of the ATM 100 relating to the handling of the form 10 will be mainly described. A schematic configuration diagram of the entire ATM 100 is shown on the lower side of FIG. 3, and a schematic configuration of a part of the ATM 100 is shown in a side sectional view on the upper side. The ATM 100 is provided with the units described below in the arrangement shown in FIG.

  The display unit 150 is an interface with the user 20 for performing information display for payment by the form 10 and operation input for payment. The display unit 150 is configured by a touch panel or a combination of a display and a push button switch. Receipt of banknotes from the user 20 is performed through the deposit port 180. The communication unit 140 controls communication with the financial institution server 30.

  On the left side of the side cross-sectional view of the ATM 100 (the upper diagram in FIG. 3), an insertion slot for inserting the form 10 and an insertion slot for inserting the bankbook are provided. For convenience of explanation, the side (left side in the figure) where these insertion ports are provided is referred to as the front or upstream side of the apparatus, and the side (right side in the figure) opposite thereto is referred to as the back side or the downstream side. Further, regarding the conveyance of a bankbook or the like, conveyance from the insertion port toward the back is referred to as forward conveyance, and conveyance in the direction of discharging to the insertion port is referred to as reverse conveyance.

  In the ATM 100, a conveyance path 102 for conveying the form 10 and a conveyance path 101 for conveying the bankbook are provided. These conveyance paths merge on the way to become a conveyance path 103. The form 10 and the passbook are conveyed along the conveyance paths 101 to 103 by the rollers 104 driven by the stepping motor 170.

  A passage sensor 105 for detecting the passage of the form 10 and the passbook is provided in the middle of the transport paths 101 to 103. In order to avoid complication of the figure, the reference numerals are representatively shown for only one roller and a passage sensor. In the conveyance path 102 of the form 10, an attitude correction mechanism 130 for correcting the skew and shift of the form is provided in the vicinity of the insertion slot.

  The image reader 131 is provided on the downstream side of the attitude correction mechanism 130. The image reader 131 includes an OCR or bar code reader, and reads the OCR unit 11 or the bar code unit 12 of the form 10.

  A magnetic reading mechanism 160 is provided at the junction of the conveyance paths 101 and 102. The magnetic reading mechanism 160 is a mechanism for reading information from a magnetic stripe attached to a passbook. Various mechanisms for processing forms and passbooks are provided downstream of the magnetic reading mechanism 160.

  The print head 133 performs predetermined printing on the OCR portion 11 and the barcode portion 12 of the form 10 after the transaction, and prints the transaction result on the form 10 and the passbook. The ribbon take-up mechanism 132 is a mechanism for taking up the ink ribbon used by the print head 133. The drive mechanism 134 is a mechanism that drives the print head 133 left and right by the power of the motor 135 during printing. The print position detection sensor 136 is a sensor that optically detects the already filled portion of the passbook. The page break mechanism 200 is a mechanism for turning a passbook page when it is detected that a blank entry field is not left in the page.

  The control unit 110 is configured as a microcomputer including a CPU, a RAM, and a ROM therein, and controls each of the above-described mechanisms and processes read information according to software recorded in the ROM. Thus, the transaction using the form 10 is realized.

A3. processing:
Hereinafter, the form transaction processing of the ATM 100 will be described in detail. FIG. 4 is a flowchart of the form transaction process in the ATM 100. When the user 20 inserts the form 10 into the ATM 100, the ATM 100 takes in the form 10 from the insertion slot for inserting the form 10 (step S100). Then, the ID part 14 of the form 10 is read by the image reader 131 (step S200).

  When the ID part 14 cannot be read (step S300: NO), the inserted form is a form that is not compatible with the multi-payment system, so that the ATM 100 cannot handle it on the display part 150 (step S400).

  If the ID section 14 can be read (step S300: YES), a deposit / form printing process is performed (step S500). FIG. 5 is a flowchart showing the deposit / form printing process. The ATM 100 determines the type of the form 10 based on the numerical value of the ID part 14 and grasps the position of the OCR part 11 and the barcode part 12 in the form 10 in comparison with the data stored therein. Then, the OCR unit 11 and the barcode unit 12 are read by the image reader 131 (step S501).

  When the OCR unit 11 and the barcode unit 12 cannot be read (step S502: NO), a confirmation message is displayed (step S503). As will be described in detail later, the OCR portion 11 and the barcode portion 12 of the form 10 after payment is printed so that information is not read by the image reader 131. Therefore, when the image reader 131 cannot read the OCR unit 11 and the barcode unit 12 here, the payment by the form 10 has already been completed, or the form 10 has a wrinkle or the like. This is a case where handling is difficult. Therefore, the fact is displayed on the display unit 150 as a confirmation message.

  When the OCR unit 11 and the barcode unit 12 can be read (step S502: YES), the form code and the billing amount are referred from the information stored in the ATM 100 based on the information of the OCR unit 11 and the barcode unit 12. , Derive information necessary for transactions, such as biller information. Then, the “form code” and the “accommodation institution code” which is the information of the claimant are transmitted to the financial institution server 30, and whether the transmitted data from the financial institution server 30 exists in the handling form DB 31 or not. Information is received (S3 in FIG. 2 and step S504 in FIG. 5).

  If the “form code” and the “storage organization code” do not exist in the handling form DB 31 (step S505 in FIG. 5: NO), the form 10 cannot be handled by the financial institution managing the ATM 100, so the form 10 cannot be handled. A message to that effect is displayed on the display unit 150.

  When “form code” and “storage organization code” exist in the handling form DB 31 (step S505: YES), a transaction is performed (step S507). Specifically, a deposit guidance is displayed on the display unit 150 and a bill is received from the user 20 through the deposit port 180. Then, payment data indicating that payment has been completed is transmitted to the financial institution server 30 together with the “form code” and the “storage organization code” (S4 in FIG. 2 and step S508 in FIG. 5).

  After the payment data is transmitted, the ATM 100 prints an erasure line on the OCR portion 11 and the barcode portion 12 of the form 10 by the print head 133 (step S509 in FIG. 5). FIG. 6 is an explanatory diagram showing the form 10 after erasing line printing. The erase line 19a is printed on the OCR section 11 and the erase line 19b is printed on the bar code section 12, respectively. Next, the ATM 100 checks whether or not the OCR unit 11 and the barcode unit 12 can be read by the image reader 131 (step S510). The ATM 100 repeats printing (step S509) → reading (step S510) until it is confirmed that the OCR unit 11 and the barcode unit 12 cannot be read. Then, the ATM 100 discharges the form 10 (step S600 in FIG. 4).

A4. effect:
According to the ATM 100 of the present embodiment, after the transaction, the OCR part 11 and the bar code part 12 of the form 10 in which information necessary for the transaction is indicated cannot be read, so that the transaction can be performed again by the same form 10. Can be prevented. There is no need to make an inquiry to the host computer of the financial institution as to whether or not the transaction using the form 10 has been completed. The erase lines 19a and 19b may be diagonal lines or wavy lines. The color of the erasing lines 19a and 19b may be any color, but is preferably red.

B. Variation:
FIG. 7 is an explanatory diagram showing a post-transaction form 10 as a first modified example. In addition to the erasing lines 19a and 19b, a cancellation mark 18 may be printed on the form 10 after the transaction. If the cancellation mark 18 is printed, the ATM 100 determines that the transaction has been completed and stops the transaction. Since it is determined whether or not the transaction has been completed based on the presence or absence of the cancellation mark 18, it is possible to more easily determine whether or not to cancel the transaction. When the cancel mark 18 is present, the erase lines 19a and 19b are not necessary. However, the presence of the erase lines 19a and 19b can prevent another transaction even in the ATM 100 having no function of reading the cancel mark 18.

  FIG. 8 is an explanatory view showing a post-transaction form 10 as a second modified example. In the second modification, the erase lines 19a and 19b are thick, and the OCR portion 11 and the barcode portion 12 are almost filled. Thus, the OCR unit 11 and the barcode unit 12 may not be read.

  FIG. 9 is an explanatory diagram showing a post-transaction form 10 as a third modified example. In the third modification, the ID part 14 is made unreadable after the transaction. The numerical value of the ID part 14 indicates the type of the form 10, that is, the arrangement of the OCR part 11 and the barcode part 12 in the form 10. By making the ID portion 14 unreadable after the transaction, the arrangement of the OCR portion 11 and the barcode portion 12 in the form 10 becomes unknown, and a second transaction can be prevented.

  When the ATM 100 is equipped with a device for pressing the receipt mark on the form 10 or a device for opening a hole in the form 10, the receipt mark is pressed on the OCR part 11 or the barcode part 12, or a hole is made. The OCR unit 11 and the barcode unit 12 may be made unreadable.

It is explanatory drawing which showed an example of the form which can be used in a form handling apparatus. 1 is an overall configuration diagram of a multi-payment system using a form handling apparatus. It is explanatory drawing which shows schematic structure of ATM100. It is a flowchart of the form transaction process in ATM100. It is a flowchart which shows a payment / form printing process. It is explanatory drawing which shows the form 10 after erasing line printing. It is explanatory drawing which shows the form 10 after the transaction as a 1st modification. It is explanatory drawing which shows the form 10 after the transaction as a 2nd modification. It is explanatory drawing which shows the form 10 after the transaction as a 3rd modification.

Explanation of symbols

10 ... Form 11 ... OCR part 13a, 13b ... Receipt stamp part 12 ... Bar code part 14 ... ID part 15 ... Cut line 1
18 ... Cancel mark 19a, 19b ... Erase line 20 ... User 30 ... Financial institution server 31 ... Report handling DB
40 ... Storage institution server 41 ... Form DB
100 ... ATM
DESCRIPTION OF SYMBOLS 101 ... Conveyance path 102 ... Conveyance path 103 ... Conveyance path 104 ... Roller 105 ... Passing sensor 110 ... Control unit 130 ... Attitude correction mechanism 131 ... Image reader 132. .. Ribbon take-up mechanism 133 ... Print head 134 ... Drive mechanism 135 ... Motor 136 ... Print position detection sensor 140 ... Communication unit 150 ... Display unit 160 ... Magnetic reading mechanism 170 ... Stepping motor 180 ... Payment slot 200 ... Page break mechanism

Claims (3)

A form handling device for automatically performing transactions using forms,
A reading unit that reads the transaction information necessary for the transaction shown in the form;
Based on the transaction information read by the reading unit, a transaction unit that realizes the transaction;
A printing unit for performing predetermined printing on the form;
A form handling apparatus comprising: a print control unit that controls the printing unit after the transaction is realized by the transaction unit, and causes the form to perform printing that prevents reading by the reading unit. The form handling device according to claim 1,
The form control device that causes the print control unit to print over at least a part of the location where the transaction information is indicated. The form handling device according to claim 1,
The print control unit causes the reading unit to read the transaction information, and causes the printing unit to perform the printing until it is confirmed that the reading unit cannot read the transaction information.

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