Bankbook data printing system

Abstract

To allow a general-purpose printer 32 to print contents of a deposit passbook issued by each of banking institutions 14.SOLUTION: A service provider receives a request of a user 18 to acquire a passbook entry data 28 of a requesting person from a corresponding financial institution 14 with using an open API 24 (application programming interface). The passbook entry data 28 is subjected to data processing so as to be printed by a general printer 32 to generate a PDF-formatted print form 30, for example. The print form 30 is sent to the printer 32 and the like. For example, it is possible to acquire the passbook entry data 28 of the plurality of financial institutions 14 to print all of them at a single place.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a bankbook entry data printing system that provides a printing service for bankbook entry data for recording the results of deposits and withdrawals at various financial institutions. [Background technology]

[0002] Generally, financial institutions issue bankbooks to their customers and install dedicated bankbook printers so that they can record transactions as needed. However, in recent years, in order to reduce the costs of issuing and managing bankbooks, they have been encouraging customers to use bank deposits without bankbooks. It is expected that traditional bankbooks will be abolished in the near future.

[0003] As the number of users requesting deposit passbooks decreases, the need for dedicated passbook printing equipment also disappears. Many financial institutions actively share ATMs (automated machines) used for depositing and withdrawing savings in order to reduce installation costs (Patent Document 1). For example, ATMs installed in convenience stores and shared by multiple financial institutions do not currently have a passbook printing function. Therefore, a technology has been introduced in which withdrawal records are written on electronic media instead of traditional passbooks (Patent Document 2). [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Publication No. 2006-127177 [Patent Document 2] Publication No. 2018-28930 [Patent Document 3] Publication No. 2020-68032 Summary of the Invention [Problem to be solved by the invention]

[0005] However, some users still effectively use bankbooks to accurately view their deposit and withdrawal records. There are also public institutions that require the submission of copies of the financial institution name, branch name, account number, and transaction details listed in a bankbook. It is also considered necessary to provide a service that allows users to easily print bankbook entry data from various financial institutions, preferably in one place. The present invention addresses these issues. [Means for solving the problem]

[0006] The following configurations are means for solving the above problems.

[0007] <Configuration 1> Used for deposit and withdrawal processing at financial institutions The automated machine and the service center are connected via a network. The service institution is equipped with a communication device that communicates with financial institutions using an open API (application programming interface) and a print form generation unit that generates a print form for the passbook, The above The automated machine reads the user's card to obtain financial institution identification information and account information, When a passbook printing request is input into the automated machine and the automated machine transmits financial institution identification information and account information to the service institution via the network, The communication equipment of the above service organization is The financial institution identified by the financial institution identification information and account information sent from the automated machine above Then, the user's financial institution identification information and account information are sent via the open API to request bankbook entry data, and when the user's bankbook entry data is obtained from the financial institution via the open API, The printing form generation department of the service organization It contains the printing data for the entry page of the bankbook, and is printed on the specified paper in the same layout as the bankbook. To print the above bankbook entry data Generate a print form and then Reply to the above automated machine, The automated machine sends the print form returned by the service center to the printer connected to the automated machine. A bankbook entry data printing system that prints data on a predetermined sheet of paper.

[0008] <Configuration 2> An institution that has a communication device that communicates with a financial institution using an open API (application programming interface) and a print form generation unit that generates a print form for a passbook, The communication device When the user's account information, the financial institution identification information of the account, and a passbook printing request are transmitted, the financial institution identification information and the account information are transmitted via the open API to the financial institution identified by the financial institution identification information and the account information, and a passbook entry data is requested; The service institution is characterized in that, when the printing form generation unit obtains the user's bankbook entry data from the financial institution via the open API, it generates a printing form for printing the bankbook entry data on a specified sheet of paper, including printing data for the bankbook entry page, in the same layout as the bankbook, and sends the printing form to a printer.

[0009] <Configuration 3> The printer stores the print form sent from the automatic machine in a storage device and transmits it to the user. butRead the card used to operate the machine. I got User identification code and the printed form above Users included in When the identification code matches, the printing of the corresponding print form is executed. 1 or 2 The bankbook entry data printing system described in

[0010] <Configuration 4> The printer stores the print form sent from the automatic machine in a storage device, and the receipt is printed by the receipt printer of the automatic machine and is then output to the user. The user's identification code is printed on the receipt. The identification code obtained by reading and when the user's identification code included in the print form matches, the print form is printed. 1 or 2 The bankbook entry data printing system described in

[0011] <Configuration 5> a print control device that controls the printer; It is connected to the service center via a network, The service institution is equipped with a communication device that communicates with financial institutions using an open API (application programming interface) and a print form generation unit that generates a print form for the passbook, The above A print control device User input Obtain financial institution identification information, account information, and a passbook printing request for the corresponding deposit account; When the financial institution identification information and account information are transmitted from this print control device to the service institution via the network, The communication equipment of the above service organization is Sending the user's financial institution identification information and account information via the open API to a financial institution identified by the financial institution identification information and account information sent from the print control device, and requesting passbook entry data; When the above user's bankbook entry data is obtained from the financial institution via the above open API, The printing form generation department of the service organization generating a print form for printing the bankbook entry data on a predetermined sheet of paper in the same layout as the bankbook, including print data for the entry page of the bankbook; The print form is returned to the print control device. The print control device sends the print form returned from the service center to the printer, A bankbook entry data printing system that prints data on a predetermined sheet of paper.

[0012] <Configuration 6> Configure your computer 2. The communication device and print form generating unit of the service facility described in 2. Computer program. [Effects of the Invention]

[0014] <Effects of Configuration 1> Since the service institution generates the printing form, the bankbook entry data can be printed on a general-purpose printer without using a bankbook. This makes it possible to print the bankbook entry data of any number of financial institutions collectively in a single operation. <Effects of Configuration 2> If the ATM has the equipment to print its own bank's deposit passbooks, it can use a dedicated printer, and print passbooks from other banks using a general-purpose printer. <Effects of Configuration 3> Even if the printer is installed in a location far from the automatic machine, the user can be identified by card information or the like and printing can be performed. <Effects of Configuration 4> When print forms for different users are sent from multiple automated machines, the user can be identified by a barcode or the like printed by the receipt printer before printing. <Effects of Configuration 5> The print control device that controls the printer's printing communicates with the service center to obtain the print form for printing the passbook. Instead of using an automatic machine, the passbook entry data can be printed using a cheaper print control device dedicated to printer control. <Effects of Configuration 6> Once the print form is received by the user's computer or mobile terminal device, it can be printed on any printer. [Brief explanation of the drawings]

[0015] [Figure 1] FIG. 1 is an explanatory diagram of a system according to a first embodiment. [Figure 2] 3 is an operation sequence chart of the system according to the first embodiment. [Figure 3] 10 is another operation sequence chart of the system according to the first embodiment. [Figure 4] FIG. 10 is an explanatory diagram of a system according to a second embodiment. [Figure 5] 10 is an operation sequence chart of the system according to the second embodiment. [Figure 6]FIG. 10 is an explanatory diagram of a system according to a third embodiment. [Figure 7] 10 is an operation sequence chart of the system according to the third embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0016] In this invention, the contents of a deposit passbook issued by each financial institution can be printed, for example, on a general printer. To enable printing of passbook entry data from as many financial institutions as possible, a service institution accepts user requests and obtains the requester's passbook entry data from the relevant financial institution using an open API (application programming interface). The passbook entry data is processed so that it can be printed on a general printer, and a print form in, for example, PDF format is generated. This print form is then sent to a printer or the like. For example, it is possible to obtain passbook entry data from multiple financial institutions and print them all at one location.

[0017] In all of the following examples, the service institution acquires passbook entry data from the relevant financial institution using an open API based on the user's request and provides it to the user. There are various possible routes for sending a passbook printing request message from the user to the service institution, as follows:

[0018] When requesting a bankbook entry by operating an ATM installed at a financial institution, the message can be sent to the service center via a router installed inside the financial institution and various highly secure networks. Alternatively, the ATM and the service center can be directly connected via any network to send the message. For example, a wired network such as a VPN or a wireless network such as LTE can be used for the network.

[0019] The interface operated by the user may be an automated machine, a dedicated control device for controlling the printer, or a mobile terminal device carried by the user. The printer may be one that can print on general-purpose plain paper. It may be a printer installed inside a financial institution and used for various printing tasks, or a printer used for printing services at a convenience store or the like.

[0020] The print form generated at the service facility can be transferred to a storage device such as an automated machine or a mobile terminal device operated by the user, and then the user can operate it to print. Alternatively, the print form can be sent directly from the service facility to the storage device of the printing device. The following embodiments will explain some of these characteristic examples. [Example]

[0021] A first embodiment will be described with reference to Figure 1. In the bankbook entry data printing system 12 of this embodiment, a user 18 uses an automated machine 16 at a financial institution 14A to request printing of bankbook entry data for recording deposits and withdrawals at financial institution B. The financial institution 14A is assumed to be equipped with, for example, a dedicated bankbook entry machine (not shown) and a printer 32 that prints on general paper. This system allows the financial institution 14A to print its own deposit and withdrawal records using the dedicated bankbook entry machine and to print deposit and withdrawal records for other banks using the general printer 32.

[0022] 1 can obtain passbook entry data for recording deposits and withdrawals from various financial institutions with which it has pre-contracted, such as financial institution 14B. When a passbook printing request is received from the ATM 16, the service institution 26 collects the passbook entry data from the relevant financial institution 14B, generates a print form including, for example, the name of the financial institution, branch name, account number, depositor name, and deposit and withdrawal records, and sends it to printer 32.

[0023] The print form generation unit 27 provided in the service facility 26 has the function of generating a print form including a deposit and withdrawal record in a predetermined format using the passbook entry data acquired from the financial institution 14B. Generally, a passbook printer lays out and outputs the characters and numbers required for printing based on the frame and page design pre-printed on the passbook.

[0024] On the other hand, the print form generation unit 27 may generate a print form with a layout similar to that of a copy of a passbook made by a copy machine, using the passbook entry data acquired from the financial institution 14B, including printing data for the passbook cover and entry pages. Of course, the print form may also be edited with a unique layout.

[0025] The communication device 29 provided in the service facility 26 has the function of performing the above-mentioned communication with the financial institutions A and B using the open API 24. Furthermore, this communication device 29 has the function of transmitting the print form generated by the print form generation unit 27 to the printer 32 via the Internet 15.

[0026] Figure 1 shows the processing flow of this passbook entry data printing system 12, with S1 to S11. The data communication sequence in this processing is illustrated in Figures 2 and 3. Figure 2 shows an example in which when a user 18 requests the automatic machine 16 to print a passbook, the attached printer 32 immediately prints it.

[0027] On the other hand, Figure 3 shows an example in which, when a passbook printing request is received from multiple automatic machines 16, the printer 32 temporarily stores each printing form, and each user 18 performs identity verification processing before selecting and printing the appropriate printing form.

[0028] 2, an automated teller machine (ATM) 16 used for deposit and withdrawal processing at a financial institution 14A (FIG. 1) first reads the card 34 of a user 18 (step S1), and then accepts a passbook printing request from the user 18 (step S2).

[0029] The automated machine 16 sends the personal identification information 20, financial institution identification information 21, and account information 22 read from the card 34 of the user 18 to the service facility 26 together with a passbook printing request (steps S3 and S4). This message is sent to the service facility 26 via a router or the like within the financial institution. Alternatively, as shown by arrow Z, it may be sent directly to the service facility 26 via a wired or wireless network.

[0030] The service institution 26 requests the bankbook entry data 28 of the user from the financial institution 14B identified by the financial institution identification information 21 and the account information 22 via the open API 24 (step S5). Simultaneously with this request, the service institution 26 also transmits the identity verification information 20 of the user 18, the financial institution identification information 21, and the account information 22 to the financial institution 14B (step S6).

[0031] Thereafter, the service facility 26 acquires the bankbook entry data 28 of the user 18 from the financial institution 14B (step S7). The print form generation unit 27 of the service facility 26 generates a print form 30 for printing the bankbook entry data 28 on a predetermined sheet of paper (step S8). This print form 30 is sent to the ATM 16 or printer 32 of the financial institution 14A via the Internet 15 (step S9).

[0032] Unlike bankbook entry machines, general-purpose printers 32 are very inexpensive, so they can be directly connected to each of the automated teller machines 16. In this case, the automated teller machine 16 issues a print command to the printer 32, which then automatically prints the document on a predetermined sheet of paper and provides it to the user (steps S10 and S11).

[0033] In this case, the printing form 30 may be sent to the financial institution 14A and stored in a storage device installed within the financial institution 14A, or may be stored in a storage device of the automated machine 16. Furthermore, if the printer 32 has a function for storing, for example, PDF data and processing it internally, the printing form 30 may be transferred directly to the storage device of the printer 32. Note that, because the printing form 30 such as PDF data and the control data held within the printer 32 immediately before printing are essentially the same, they will not be distinguished and will be referred to as the printing form 30.

[0034] As described above, once the service institution 26 generates the printing form 30, the bankbook entry data 28 can be printed on a general-purpose printer 32 without using a bankbook. This allows financial institutions to reduce the number of dedicated printers they have and eventually eliminate them altogether, contributing to a reduction in equipment costs.

[0035] It is also conceivable that the financial institution 14A may direct the user to a dedicated passbook printer when a passbook entry for the user's own deposit account is requested. Therefore, the ATM 16 can send a passbook printing request to the service facility 26 only when it determines that the financial institution 14 identified by the user's 18 financial institution identification information 21 and account information 22 is not the user's own bank. If the ATM 16 is connected to equipment that prints the user's own bank's deposit passbooks, the dedicated printer 32 is used, and passbooks for other banks can be printed using a general-purpose printer 32.

[0036] (Use of a shared printer) The system configuration can remain largely the same as in Figure 1, but the following describes the process when multiple automated machines share one printer. In this case, exactly the same process is carried out up to step S8, as shown in Figure 3. Then, in step S9, the print form 30 is stored in the memory device of the printer 32 and awaits a print instruction. At this time, each print form 30 is assumed to have the identification code of the card 34 used when the user 18 operated the automated machine 16.

[0037] Here, the printer 32 is assumed to be equipped with an identification device for verifying the identity of the user 18. For example, it may be equipped with a device for reading a card 34 held by the user 18. When the user 18 approaches the printer and performs a reading operation on the card 34, the printer 32 compares the identification code of the user 18 with the identification code on the print form 30. If the two match, the printer 32 prints the corresponding print form 30.

[0038] Many general-purpose automatic machines are equipped with a receipt printer. The user's 18 identification code may be printed on this receipt as a barcode or the like, and the receipt may be ejected to the user 18 to be read by the printer 32. Even when the printer 32 is shared by multiple automatic machines 16, or when the printer 32 is installed in a location far from the automatic machine 16, the user 18 can be identified and verified before printing. [Example]

[0039] This embodiment will be described using Figures 4 and 5. A print control device 40 having the function of communicating with the service facility 26 and controlling the printer is used. In this embodiment, an automatic machine is not used. In the first embodiment, an example was described in which the automatic machine 16 was the print control device 40. This print control device 40 may be built into the printer 32. Also, if the user 18 can operate a mobile terminal device such as a smartphone, the smartphone can function as the print control device 40 by adding the following functions to the app.

[0040] In Fig. 4, the processing of the print control device 40 is almost the same as the processing of the automatic machine 16 in Fig. 1. The print control device 40 requests input of the user 18's personal identification information 20, financial institution identification information 21, and account information 22, and accepts a request to print the passbook for the corresponding deposit account (steps S1 and S2).

[0041] The print control device 40 is connected to the service facility 26 via the Internet or other networks. The print control device 40 transmits the personal identification information 20, the financial institution identification information 21, and the account information 22 to the service facility 26, and requests the bankbook entry data 28 (steps S3 and S4).

[0042] The service facility 26 acquires the bankbook entry data 28 of the user 18 from the financial institution 14B, and generates a print form 30 for printing the bankbook entry data 28 on a predetermined sheet of paper (steps S5 to S8), in the same manner as in the first embodiment. This print form 30 is sent to the print control device 40 together with, for example, a one-time password (step S9).

[0043] The one-time password is used to ensure security in the transfer of the bankbook entry data 28 sent from the service institution 26 to the print control device 40, and the user 18 can use the one-time password to safely open the bankbook entry data 28 and issue print instructions to the printer 32 (steps S10, 11).

[0044] If the print control device 40 that controls printing on the printer 32 communicates with the service agency 26 to obtain the print form 30 for printing the passbook, the passbook entry data 28 can be printed more economically. If the print control device 40 is a portable terminal device of the user 18, it is convenient for the user, has high security, and is economically optimal. [Example]

[0045] This embodiment will be explained using Figures 6 and 7. In this embodiment, it is assumed that a user 18 has deposit accounts at multiple financial institutions and wishes to print all of their bankbook entry data together on a single printer. In the example shown, the bankbook entry data for both financial institutions 14A and 14B is printed on a single printer using the automated machine 16 at financial institution 14A. This is suitable, for example, when financial institution 14A or its branches do not have dedicated bankbook entry machines.

[0046] Steps S1 to S4 are the same as in the system of the first embodiment. In step S5, the service institution 26 requests bankbook entry data from the financial institutions 14A and 14B. For example, if the financial institution 14A has already acquired the identity verification information and account information of the user 18, it returns the bankbook entry data to the service institution 26 (step S7). On the other hand, it sends the identity verification information and account information together with the request for bankbook entry data to the financial institution 14B (steps S5, S6). The financial institution 14B accepts this request and returns the bankbook entry data to the service institution 26 (step S7).

[0047] The subsequent processing is almost the same as in Example 1. In this example, a one-time password is added to ensure security in the transfer of the bankbook entry data 28. By performing the above processing, the bankbook entry data of the financial institutions 14A and 14B can be printed together by the printer 32. [Explanation of symbols]

[0048] 12 Bankbook entry data printing system 14 Financial institutions 15. Internet 16 Automatic Machine 18 User 20 Personal Identification Information 21 Financial institution identification information 22 Account Information 24 Open API 26 Service Agencies 27 Print form generation section 28 Bankbook entry data 29 Communication equipment 30 Print Forms 32 printers 34 Cards 40 Printing control device 42 Portable terminal device

Claims

1. The automated machines used to process deposits and withdrawals at financial institutions are connected to service facilities via a network. The service facility includes a communication device that communicates with financial institutions using an open API (application programming interface) and a print form generation unit that generates a print form for a passbook. When the above-mentioned automated teller machine reads the user's card to obtain financial institution identification information and account information, a passbook printing request is input into the automated teller machine, and the financial institution identification information and account information are transmitted from the automated teller machine to the above-mentioned service institution via the network, The communication equipment of the above service organization is The user's financial institution identification information and account information are sent via the open API to the financial institution identified by the financial institution identification information and account information sent from the automated machine, and the bankbook entry data of the user is requested. When the user's bankbook entry data is obtained from the financial institution via the open API, a print form generation unit of the service facility generates a print form including print data for the entry page of the bankbook and for printing the entry data on a predetermined sheet of paper in the same layout as the bankbook, and returns the print form to the automated machine; The bankbook entry data printing system is characterized in that the above-mentioned automatic machine sends the above-mentioned printing form returned from the service agency to a printer connected to the automatic machine and prints it on a specified paper.

2. An institution equipped with a communication device that communicates with a financial institution using an open API (application programming interface) and a print form generation unit that generates a print form for a passbook, The communication device When the user's account information, the financial institution identification information of the account, and a passbook printing request are transmitted, the financial institution identification information and the account information are transmitted via the open API to the financial institution specified by the financial institution identification information and the account information, and a passbook entry data is requested; The service institution is characterized in that, when the printing form generation unit obtains the user's bankbook entry data from the financial institution via the open API, it generates a printing form for printing the bankbook entry data on a specified sheet of paper, including printing data for the bankbook entry page, in the same layout as the bankbook, and sends the printing form to a printer.

3. The bankbook entry data printing system described in claim 1, characterized in that the printer stores the printing form sent from the automatic machine in a memory device, and when the user identification code obtained by reading the card used by the user to operate the automatic machine matches the user identification code contained in the printing form, prints the corresponding printing form.

4. The bankbook entry data printing system of claim 1, characterized in that the printer stores the printing form sent from the automatic machine in a memory device, and when the identification code obtained by reading the user identification code printed on the receipt printed by the receipt printer of the automatic machine and ejected to the user matches the user identification code contained in the printing form, prints the corresponding printing form.

5. A print control device that controls the printer is connected to a service center via a network, The service facility includes a communication device that communicates with financial institutions using an open API (application programming interface) and a print form generation unit that generates a print form for a passbook. The print control device acquires the financial institution identification information and account information input by the user and a passbook print request for the corresponding deposit account, When the financial institution identification information and account information are transmitted from this print control device to the service institution via the network, The communication equipment of the above service organization is Sending the user's financial institution identification information and account information via the open API to the financial institution identified by the financial institution identification information and account information sent from the print control device, and requesting passbook entry data; When the bankbook entry data of the above user is obtained from the financial institution via the above open API, a print form generation unit of the service facility generates a print form including print data for the entry page of the bankbook and for printing the entry data on a predetermined sheet of paper in the same layout as the bankbook, and returns the print form to the print control device; The above-mentioned print control device transmits the above-mentioned print form returned from the service agency to a printer, and causes the printer to print the form on a predetermined sheet of paper.

6. A computer program that causes a computer to function as the communication device and print form generation unit of the service facility according to claim 2.

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