KR101068167B1 - How Information Checks Are Handled in Error Checks - Google Patents

Abstract

The present invention relates to an information exchange processing method for correcting an error check and to settle funds when information is exchanged, comprising: imaging the check in a branch office system to generate image data; If an error check is found in the check at the paying bank server, requesting the main system for image data of the error check; Transmitting image data from the main system to the paying bank server; And checking the error through the image data in the paying bank server.

Bank, Bill, Check, Checkout, Image Data

Description

{ERROR CHECK MANAGEMENT METHOD IN INTERCHANGE OF INFORMATION ABOUT CHECK}

The present invention relates to a method of processing information exchange of an error check, and more particularly, to an information exchange processing method of correcting an error of an error check and settingtle funds in an information exchange.

In general, business support in banking is management-oriented tasks such as cash flow transportation, cash settlement, important site management, slip management, bill exchange (cash settlement), general affairs, and OA audit.

In particular, a bill exchange is a bill in which a large number of banks gather at a certain place at a certain time and pay the other of the bills (including checks or certificates) received by the own bank and the bill of the other bank's bills. To exchange with each other and pay accordingly.

The place where the exchange of notes is made is called a clearing house, where a clearing house of each participating bank gathers at the clearing house to present the cleared bill to the paying bank and accepts the cleared bill. After that, the settlement of the exchange of bills is made.

The technical structure described above is a background technique for assisting the understanding of the present invention, and does not mean the prior art widely known in the technical field to which the present invention belongs.

The conventional bill exchange method takes a long time until the bill is issued after the bill is issued and exchanged, and there is a problem that the movement of personnel and vehicles is always involved when spending and importing.

In particular, the exchange of cashier's checks was carried out through an electronic exchange method of information exchange. In the process of creating information for the exchange of checks, errors occurred in checks due to information input errors.

As a result, there was an error in the information exchanged between banks, and the banks exchanged and received copies of images by fax. Therefore, there is a problem that the process is complicated and takes too much time.

SUMMARY OF THE INVENTION The present invention has been made to improve the above-mentioned problem, and an object of the present invention is to provide an information exchange processing method for an error check in which information is exchanged through image data of a check in the case of a subsequent exchange payment by imaging the check.

The configuration of the present invention, which is invented to achieve the above-described object, is as follows.

The information exchange processing method of an error check of the present invention comprises the steps of imaging the check in a branch office system to generate image data; Requesting the main system for image data of the error check if an error check is determined among the checks at a paying bank server; Transmitting the image data to the paying bank server in the main system; And confirming the error matter through the image data in the paying bank server.

The step of checking the error details may include notifying the error information of the error check to the branch office system of the branch office that issued the error check; And performing a settlement of funds when the error is corrected in the branch system of the branch that issued the check.

The image data may include MICR information of the check.

The error is characterized by including defaults, amount errors, bank errors and double presentation.

The image data may be generated at the branch through the branch system.

According to the present invention configured as described above, it is possible to improve the work efficiency for the exchange payment work at the time of payment by imaging the check so that the information exchange is carried out through the image data of the check at the time of future payment.

In addition, check exchange payment tasks can be centralized in the bank's main system, simplifying business processing.

Hereinafter, a method of processing information exchange of an error check according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

In this process, the thickness of the lines or the size of the components shown in the drawings may be exaggerated for clarity and convenience of description. In addition, terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, definitions of these terms should be made based on the contents throughout the specification.

1 is a block diagram of an error exchange information exchange processing system according to an embodiment of the present invention.

The information exchange processing system of an error check according to an embodiment of the present invention includes a branch office system 10, a main system 20, a paying bank server 30, and a network 40.

The branch office system 10 receives various commands from a branch representative and sends them to the main system 20, and receives the branch information from the branch system 12 and checks received from the main system 20 and provided to the branch representative. And a scanner 14 for processing to generate image data.

In particular, the branch office system 10 transmits the image data of the check input from the scanner 14 to the main system 20.

In addition, when the branch office system 10 is notified of an error from the paying bank server 30, it analyzes the error and corrects the error if the error is corrected according to the error.

The scanner 14 generates an image data by imaging an object of a check. This image data also includes MICR information recorded on the check. MICR information includes the check ticket code, check number, check amount, and branch information.

For reference, the scanner 14 irradiates light on an object to be imaged, converts light reflected and received by the object into an electrical signal, and generates image data through amplification and conversion.

The main system 20 includes a main server 22 and an image server 24.

The main server 22 stores various financial service information and provides various financial services based on this. In addition, the store system 10 is connected through the network 40 to store and manage various types of information transmitted from the store system 10, and retrieves and extracts information requested from the store system 10. ). This allows the branch to offer a variety of financial services.

In particular, the main server 22 allows the image data transmitted from the branch office system 10 to be stored in the image server 24.

In addition, when the main server 22 receives image data of an error check from the paying bank server 30, the main server 22 requests image data of the error check from the image server 24. As a result of the request, when image data is input from the image server 24, the image data is transmitted to the paying bank server 30 through the network 40 so that the paying bank server 30 can check the error of the corresponding error check.

The image server 24 includes a plurality of databases necessary for providing financial services, and when a request for providing specific information is received from the main server 22, the image server 24 retrieves and extracts the information and provides the information to the main server 22.

In particular, when the image server 24 receives image data from the main server 22, the image server 24 retrieves and extracts the image data and provides the image data to the main server 22.

When the check is determined to be an error check, the paying bank server 30 requests the main server 22 for image data of the error check, and when the image data of the error check is transmitted from the main server 22, the image data is sent. Check the error of the corresponding error check through the sales office system 10.

In this case, the paying bank server 30 checks the branch information that issued the error check from the MICR information included in the transmitted image data, and notifies the branch office system 10 that issued the error check to notify the error of the error check. do.

2 is a flowchart illustrating a method of processing information exchange of an error check according to an embodiment of the present invention.

First, the branch office system 10 generates image data of the check using the scanner 14 and transmits it to the main system 20, and the main server 22 stores the image data in the image server 24.

In this embodiment, a check in front of the presenter is exemplified and a method of processing an error in a check according to the error type will be described.

First, when the paying bank server 30 determines an error check from the check (S30), the main server 22 requests image data of the error check (S32).

As the main server 22 receives the image data of the error check from the paying bank server 30, the main server 22 checks the details of the error check (S10).

The main server 22 then requests the image server 24 for image data of this error check (S12).

When the image server 24 receives the image data of the error check from the main server 22, the image server 24 searches for and extracts the image data of the error check (S20), and transmits the extracted image data to the main server 22 ( S22).

When the image data of the error check is transmitted, the main server 22 transmits this image data to the paying bank server 30 (S14).

When the paying bank server 30 transmits the image data of the error check from the main server 22, the paying bank server 30 checks the error of the error check through the MICR information included in the transmitted image data. In addition, according to the branch information included in the MICR information, the corresponding branch system 10 is notified of an error (S34).

When the branch office system 10 receives the error of the error check from the paying bank server 30 (S40), it analyzes the error and checks the error (S42), and corrects the error according to the error. If it is, the settlement of funds is performed (S50 ~ S90).

Here, if the error point is corrected according to the error point in the branch office system 10, it will be described here simply because performing the settlement of funds is a currently employed technique.

First, if an error is a fraudulent check, the transaction history of the account of the error check is checked (S50), and the check is defaulted according to the fraudulent check. That is, the default computer 22 registers defaults and registers the bank account automatically (S52). If the defaults are returned to the bank on the next day, the bank deposits the bank account (S54).

If the error is an amount error that is an error of the amount billed to the paying bank, the difference is processed as an additional account (S60). In this case, if the actual amount is less than the information exchange amount, the subsidy will be processed. If the actual amount is more than the information exchange amount, a difference information exchange is prepared. That is, the undersubscription information is exchanged and created (S62). After that, the next day to clean up the temporary account (S90) and ends.

If the error is a bank error incorrectly designated by the paying bank, the corresponding amount is processed in the household account (S70), and the information exchange presentation information is written to the political party bank (S72), and then the household account is cleared the next day (S90) and ends. .

If the error is a double presentation presented twice, the corresponding amount of the account is processed (S80), the next day when the information exchange is submitted to clean up the provisional account (S90).

Although the present invention has been described with reference to the embodiments shown in the drawings, it is merely exemplary and various modifications and equivalent other embodiments are possible to those skilled in the art. Will understand. Therefore, the true technical protection scope of the present invention will be defined by the claims.

1 is a block diagram of an error exchange information exchange processing system according to an embodiment of the present invention.

2 is a flowchart illustrating a method of processing information exchange of an error check according to an embodiment of the present invention.

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

12: branch terminal 14: scanner

22: main server 24: image server

30: paying bank server 40: network

Claims (4)

Generating image data of the check processed by the scanner of the branch office system and transmitting the image data to the main system; Storing the image data in the main system; Requesting the main system for image data of the error check if an error check is determined among the checks at a paying bank server; Transmitting image data of the error check to the paying bank server in the main system; Checking the error at the paying bank server through the image data; The checking of the error details may include notifying the error information to the branch office system of the branch office that issued the error check at the paying bank server and correcting the error component in the branch system of the branch office that issued the error check. And performing the settlement of funds, The image data includes MICR information of the check, The error information processing method of the information exchange of the error check, characterized in that it includes default, amount error, bank error and double presentation. delete delete delete

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