JP2018128714A - Passbook entry data processing device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a passbook entry data processing device for transmitting passbook entry data that can grasp usage details of a credit card to an automated teller machine.SOLUTION: In a passbook entry data processing device 222 for creating passbook entry data based on transaction contents of a customer, and sending passbook entry data created in an automated teller machine 100 for printing transaction contents of the customer in a passbook, passbook entry data is created by adding a mark of a specific shape for specifying detailed information of the usage amount to the amount of money used in a credit card company, regarding transaction with the credit card company, among the transaction contents of the customer.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a passbook entry data processing apparatus for creating passbook entry data to be printed on a passbook by an automatic transaction apparatus.

  An automatic transaction apparatus provided in a financial institution such as a bank prints the amount and date of deposits and withdrawals in a passbook as customer transaction details. In addition, regarding the use of a credit card in a customer transaction, the total usage amount for a predetermined period (for example, one month) is printed instead of an individual usage amount. This is because the use of a credit card has many payment items, so if the details of the use of the credit card are printed on the passbook, the amount of use of the passbook increases remarkably.

  However, there is a demand for printing credit card usage details on the passbook, so the passbook is printed in a binder format, the transaction details data for the card is printed on a single slip, and the customer's ticket is printed on a binder passbook. There has been proposed an automatic transaction system that can be incorporated into the system (Patent Document 1).

JP 2001-175920 A

  As mentioned above, the total amount withdrawn from the customer's account for a predetermined period (for example, one month) is described in the passbook, but details of credit card usage are described in order not to increase the use amount of the passbook Not. For this reason, customers can not grasp the details of credit card use only from the contents of the passbook, but can check with the statement issued by the card company or manually operate the personal computer etc. on the customer information homepage of the credit card company It can only be accessed.

  In view of the above problems, an object of the present invention is to provide a passbook entry data processing apparatus that transmits passbook entry data that allows easy understanding of the use contents of a credit card to an automatic transaction apparatus.

  In order to achieve the above-mentioned object, in the passbook entry data processing device for creating the passbook entry data based on the transaction details of the customer, and sending the passbook entry data created in the automatic transaction device for printing the transaction details of the customer on the passbook, Among transactions with customers, for transactions with a credit card company, a mark of a specific shape for identifying detailed information on the use amount is added to the use amount of the credit card company, and the passbook entry data is create.

  ADVANTAGE OF THE INVENTION According to this invention, the passbook entry data processing apparatus which transmits the passbook entry data which can grasp | ascertain the utilization content of a credit card to an automatic transaction apparatus can be provided.

It is the whole structure of a usage content display system. It is a functional block diagram of a usage content display system. It is an example of an accounting request message. It is an example of credit card utilization status data. It is an example of passbook entry data. It is a figure explaining the purchase process of goods. It is a figure explaining the download process of AR marker reading application. It is a figure explaining the printing process of AR marker. It is a figure explaining the reading process of AR marker. It is the flowchart 1 which shows the procedure of a 1st printing pattern process. It is the flowchart 2 which shows the procedure of a 1st printing pattern process. It is the flowchart 3 which shows the procedure of a 1st printing pattern process. It is an example of a variable table for print control. It is an example of the 1st printing pattern. It is the flowchart 1 which shows the procedure of a 2nd printing pattern process. It is the flowchart 2 which shows the procedure of a 2nd printing pattern process. It is the flowchart 3 which shows the procedure of a 2nd printing pattern process. It is an example of the 2nd printing pattern. It is an example of the 3rd printing pattern. It is an example of the 3rd printing pattern. It is an example of the 3rd printing pattern. It is an example of the 3rd printing pattern. It is an example of the 4th printing pattern.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 shows an overall configuration of a usage content display system 1 that displays usage details of a credit card.

  The usage content display system 1 includes an automatic transaction apparatus 100, a bank billing system 200, a credit card company, a portable terminal 400, and an application server 500. First, the outline of the usage content display system 1 will be described with reference to FIG.

  The credit card company and the bank account system 200 cooperate. The credit card company provides the bank's billing system 200 with a specific shape mark for uniquely identifying detailed information on the use of the credit card as the usage details of the credit card, together with the total monthly usage amount of the customer. To do.

  As a mark having a specific shape for specifying the use contents of a credit card, an AR marker will be described below as a representative. AR (Augmented Reality) is generally translated as “augmented reality”, but the use of AR has recently been rapidly increasing. By using AR technology, when a printed matter is photographed with a terminal device such as a smartphone or a wearable computer, the content corresponding to the AR marker is displayed on the printed matter or its image. Can do.

  When there is a passbook entry request from the automatic transaction apparatus 100, the bank account system 200 adds the corresponding AR marker provided by the credit card company to the monthly total use amount of the credit card, and passes the passbook entry data. The created passbook entry data (book entry response message) is transmitted to the automatic transaction apparatus 100.

  The automatic transaction apparatus 100 performs printing on the customer's passbook based on the passbook entry data received from the bank account system 200. In the bankbook, the monthly usage amount of the credit card and the AR marker 1000 are printed. When the customer wants to confirm the detailed information on the card usage, the customer executes the AR marker reading application on the portable terminal 400 and activates the URL of the bank AR marker reading service.

  The customer looks at the passbook of the mobile terminal 400 and scans the AR marker 1000 with the camera of the mobile terminal 400. The portable terminal 400 transmits the scanned AR marker image to the application server 500, and acquires detailed information on the use of the credit card converted from the AR marker image by the application server 500.

  On the screen of the portable terminal 400, the credit card usage summary information 1500 is displayed as the detailed information on the credit card usage. In the credit card usage summary information, a URL 1500a for accessing the customer information homepage of the credit card company is displayed. When the customer clicks the URL 1500a on the screen of the mobile terminal 400, the mobile terminal 400 is connected to the credit card company and can know further detailed information of the credit card.

  FIG. 2 is a functional block diagram of the entire usage content display system 1. The automatic transaction apparatus 100 includes a control unit 110, an operation unit 120, a display unit 125, a cash processing unit 130, a passbook processing unit 140, a communication unit 150, and a storage unit 160.

  The control unit 110 is a control unit that comprehensively controls the entire automatic transaction apparatus 100. The control unit 110 has a CPU and a control program (not shown), and controls the automatic transaction apparatus 100 by software processing by the CPU executing the control program.

  The operation unit 120 is composed of, for example, a touch panel and receives an instruction from a customer. The display unit 125 is provided integrally with the operation unit 120 and displays an input screen for a customer, an operation guide, and the like. The cash processing unit 130 deposits and withdraws cash such as banknotes and coins, and stores the cash inside.

  The bankbook processing unit 140 processes printing on a bankbook inserted by a customer. The bankbook processing unit 140 includes a bankbook transport unit 142, an MS read / write unit 144, and a printing unit 146. The bankbook transport unit 142 transports the bankbook inserted by the customer to the internal printing unit 146 and discharges the printed bankbook to the outside. The MS read / write unit 144 performs reading and writing on the magnetic stripe attached to the passbook. The printing unit 146 prints the transaction details (date, transaction details, amount, etc.) of the customer on the passbook based on the passbook entry data transmitted from the host computer 210 of the bank account system 200. Also. The communication unit 150 transmits and receives messages with the host computer 210. The storage unit 160 stores data such as the received passbook data and a print control variable table described later.

  The bank accounting system 200 is connected to the automatic transaction apparatus 100 and processes a customer transaction request or the like input to the automatic transaction apparatus 100. The bank billing system 200 is controlled by a host computer 210. The host computer 210 includes a main control unit 220, a passbook entry data processing unit 222, a communication unit 250, a customer DB 260, a passbook entry DB 262, and the like.

  The main control unit 220 has a CPU and a control program (not shown), and manages and operates the bank account system 200 by software processing by the CPU executing the control program. The main control unit 220 manages customer account information (name address, account number, password, account balance, etc.) by the customer DB 260.

  The passbook entry data processing unit 222 performs processing such as creation of passbook entry data under the control of the main control unit 220. When the passbook entry data processing unit 222 receives the entry request message from the automatic transaction apparatus 100, the passbook entry data processing unit 222 refers to the customer DB 260 and the passbook entry DB 262 and creates corresponding passbook entry data. The passbook entry data processing unit 222 is also referred to as a passbook entry data processing device.

  An example of the entry request message from the automatic transaction apparatus 100 is shown in FIG. 3A. As shown in FIG. 3A, the book entry request message is composed of items 1 to 6 and contents.

  The passbook entry data processing unit 222 stores the credit card use status data transmitted from the credit card company in the passbook entry DB 262 as the use contents of the credit card. The contents of the passbook entry DB 262 will be described later with reference to FIG. The credit card usage status data includes the AR marker 1000 described above.

  FIG. 3B is an example of credit card usage status data. The credit card usage status data is composed of items 1 to 11 and contents as shown in FIG. 3B. In the following, it is assumed that the size of the AR marker is a figure for five lines, with one line being 880 pixels wide by 176 pixels long. The size is not limited to this. FIG. 3B is an example including an iQR code (registered trademark) together with an AR marker as a mark having a specific shape.

  The iQR code is also a mark with a specific shape. The iQR code is a mark that has a smaller amount of data that can be stored than the AR marker. The iQR code stores, for example, URL data of a customer information homepage of a credit card company, and an example of using the iQR code will be described in the second print pattern process.

  The passbook entry data processing unit 222 specifies the detailed information of the usage amount in the usage amount of the credit card company based on the usage status data of the credit card company for the transaction with the credit card company in the transaction contents of the customer. A passbook entry data is created by adding a mark of a specific shape to be used. Note that the passbook entry data is data of transaction contents not yet written in the passbook.

  The passbook entry data processing unit 222 instructs the communication unit 250 to transmit the created passbook entry data as an entry response message. An example of the passbook data is shown in FIG. 3C. The passbook entry data processing unit 222 also manages the application server 500 that cooperates with the AR marker reading application 420.

  The communication unit 250 transmits / receives each message to / from the automatic transaction apparatus 100 connected by a dedicated line. The communication unit 250 is connected to the credit management server 310 and the application server 500 of the credit card company via the network NW.

  The credit card company is provided with a credit management server 310. The credit management server 310 includes a control unit 320, a storage unit 342, a communication unit 350, a usage statement DB 360, and the like. The control unit 320 manages various data related to the use of the credit card by the use statement DB 360. The control unit 320 has a CPU and a control program (not shown), and performs control by software processing when the CPU executes the control program.

  The control unit 320 includes an AR marker creation unit 340. The AR marker creation unit 340 reads data on usage of the customer's credit card for the current month from the usage details DB 360, creates summary information on the use of the credit card, and creates an AR marker corresponding to the summary information on the use of the credit card. The AR marker creation unit 340 stores the AR marker corresponding to the created credit card usage summary information in the nonvolatile storage unit 342.

  The communication unit 350 transmits credit card usage status data (see FIG. 3B) including the AR marker to the host computer 210.

  The portable terminal 400 includes a control unit 410, an AR marker reading application 420, an operation unit 430, a display unit 435, a camera unit 440, a communication unit 450, and the like. The mobile terminal 400 is, for example, a smartphone.

  The control unit 410 controls the entire mobile terminal 400 in an integrated manner. The control unit 410 has a CPU and a control program (not shown), and controls the portable terminal 400 by software processing by the CPU executing the control program.

  The control unit 410 has an AR marker reading application 420. The AR marker reading application 420 is software that takes an image of the AR marker 1000 printed on the passbook and displays credit card usage details (summary information, etc.) on the screen of the mobile terminal 400 in cooperation with the application server 500. Further, the AR marker reading application 420 reads iQR codes described in the second print pattern processing. It is also possible to read the markerless AR described in the third print pattern process.

  The operation unit 430 inputs a customer instruction and is, for example, a touch panel. The display unit 435 displays operation instructions, various menus, or credit card usage summary information. The display unit 435 may be provided integrally with the operation unit 430. The camera unit 440 includes a lens and an image sensor, and outputs a subject image as image data. The communication unit 450 communicates with an external device such as the application server 500 via the network NW.

  In cooperation with the AR marker reading application 420, the application server 500 transmits the credit card usage summary information corresponding to the AR marker photographed by the mobile terminal 400 to the mobile terminal 400. The application server 500 is connected to the host computer 210, the portable terminal 400, etc. via the network NW. Here, the application server 500 may decode the image information of the AR marker and directly obtain the corresponding credit card usage summary information from the AR marker.

  Alternatively, the application server 500 may receive the credit card usage summary information corresponding to the captured AR marker directly from the credit management server 310 or may receive it from the credit management server 310 via the host computer 210. You may make it do.

  The application server 500 receives AR marker data and credit card usage summary information corresponding to the AR marker in advance from the credit management server 310 and stores them in a storage unit (not shown). Depending on the transmitted AR marker, summary information on use of the corresponding credit card may be transmitted to the portable terminal 400.

  A process from purchase of a product to display of usage contents will be described in order with reference to FIGS.

  FIG. 4 is a diagram for briefly explaining a conventional product purchase process. When a customer purchases a product through a mail order company (step T2), the mail order company sells the product (step T4). When the customer uses a credit card at the time of product purchase (step T6), the credit card company updates the credit card usage statement DB 360 of the business system (step T8). The items of usage details are card information, usage date, user information, usage details / amount, payment date, and the like.

  Then, when the customer requests the credit card company to refer to the credit card usage statement using the mobile terminal 400 (step T10), the credit card company refers to the usage statement DB 360 and posts the customer usage statement on the homepage. (Step T12).

  FIG. 5 is a diagram for briefly explaining the download process of the AR marker reading application. For example, the customer applies for the AR marker use service on the bank home page using the portable terminal 400 (step T14). The bank provides an AR marker reading application on the homepage (step T16). The customer downloads the AR marker reading application using the portable terminal 400 (step T18).

  FIG. 6 is a diagram for explaining the AR marker printing process. The credit management server 310 of the credit card company determines the total payment amount of the customer for the current month (step T20). The credit management server 310 extracts the usage details having the largest amount as the summary information among the usage amounts for the month (step T22). For example, the number of summary information may be about three. This is because the display on the portable terminal 400 becomes complicated when the number of cases increases.

  The credit management server 310 selects an image according to the outline information or the like (step T24). The summary information and the like are, for example, a credit card company name, summary information (use date, use contents, use amount, image image), and homepage URL. As shown on the screen of the portable terminal 400 in FIG. 1, for example, when the purchased product is a television, the image may be the appearance of the television. If there is no image, a company logo may be used.

  The AR marker creation unit 340 creates an AR marker from the summary information or the like (step T26). The contents of the AR marker are a credit card company name, summary information (use date, use contents, use amount, image), and home page URL. The AR marker creation unit 340 stores the created AR marker in the storage unit 342.

  The credit management server 310 transmits the credit card usage status data (see FIG. 3B) including the created AR marker to the host computer 210 of the bank accounting system 200 (T28).

  The main control unit 220 of the host computer 210 receives the credit card usage status data (T30) and stores it in the passbook entry DB 262. The passbook entry data processing unit 222 performs passbook entry data creation processing based on the credit card usage status data (step T32).

  After the payment date (withdrawal date) has elapsed (step T34), the customer instructs the passbook entry with the automatic transaction apparatus 100 (T36), and the host computer 210 sends the automatic transaction apparatus 100 to the automatic transaction apparatus 100 in response to a request from the automatic transaction apparatus 100. The passbook entry data is transmitted, and the automatic transaction apparatus 100 performs a process of printing the corresponding AR marker on the passbook together with the total payment amount of the month (step T38). The process of step T38 will be described later with reference to FIGS.

  FIG. 7 is a diagram illustrating an AR marker reading process. The customer activates the AR marker reading application 420 on the portable terminal 400 (step T50). The camera unit 440 of the portable terminal 400 performs reading (photographing) while focusing on the AR marker (step T52). The image of the AR marker is transmitted to the application server 500. The application server 500 transmits the summary information corresponding to the AR marker and the homepage URL to the mobile terminal 400. The AR marker reading application 420 displays the summary information and the homepage URL as shown in FIG. 1 on the display unit 435 of the portable terminal 400 (step T54).

  The customer confirms the summary information with the portable terminal 400 (step T56). If necessary, the customer requests to refer to the usage details from the home page of the credit card company (step T58). In response to a reference request from the customer, the credit management server 310 reads the customer usage details from the usage details DB 360 and posts the usage details on the homepage (step T60). The customer can refer to the credit card usage details on the portable terminal 400 (step T62).

  Next, a process for printing a mark having a specific shape described using the AR marker as a representative will be specifically described. As the print process, four print pattern processes (first print pattern process to fourth print pattern process) will be described.

  In the following flowchart, in order to print the AR marker over a plurality of lines, the passbook processing unit 140 sets the print position of the AR marker and determines the page break according to the bookkeeping state of each passbook. explain. However, the passbook entry data processing unit 222 of the host computer 210 sets the AR marker print position in accordance with the entry status of each passbook, and the passbook entry data in which the AR marker print position and the like in each passbook are set in advance. May be created and transmitted to the automatic transaction apparatus 100. In this case, the passbook processing unit 140 of the automatic transaction apparatus 100 may print along the passbook entry data.

<First print pattern processing>
The first print pattern is a process of printing an AR marker as a corresponding mark of a specific shape on the lower line of the credit card transaction content. 8A to 8C are flowcharts 1 to 3 showing the procedure of the first print pattern process.

  The control unit 110 of the automatic transaction apparatus 100 determines whether the transaction type instructed by the customer is a passbook entry (step S100). When control unit 110 determines that the transaction type is not passbook entry (NO in step S100), control unit 110 repeats step S100. When the control unit 110 determines that the transaction type is passbook entry (YES in step S100), the passbook processing unit 140 reads the information required for entry from the magnetic stripe of the passbook by the MS read / write unit 144, and the entry request message. (See FIG. 3A) is created (step S102).

  The passbook processing unit 140 stores the passbook print start page, print start line, passbook page number, and printable line number in the print control variable table of the storage unit 160 (step S104).

Subsequently, the initial value 0 is set to the number of print records and the number of print lines (step S105).
An example of the print control variable table is shown in FIG. The bankbook processing unit 140 transmits a bookkeeping request message to the host computer 210 of the bank account system 200 (step S106).

  The passbook entry data processing unit 222 of the host computer 210 determines whether or not the credit card usage status data (see FIG. 3B) has been received from the credit management server 310 (step R100). If the passbook entry data processing unit 222 determines that no credit card usage status data has been received (NO in step R100), the process proceeds to step R106.

  The control unit 320 of the credit management server 310 transmits credit card usage status data to the host computer 210 at a predetermined time (for example, at the end of the month) (step R102).

  When the passbook entry data processing unit 222 determines that the credit card usage status data has been received (YES in step R100), it stores the credit card usage status data in the passbook entry DB 262 (step R104).

  The passbook entry data processing unit 222 determines whether or not the entry request message has been received from the automatic transaction apparatus 100 (step R106). If the passbook entry data processing unit 222 determines that no entry request message has been received from the automatic transaction apparatus 100 (NO in step R106), the process returns to step R100.

  When the passbook entry data processing unit 222 determines that the entry request message has been received from the automatic transaction apparatus 100 (YES in step R106), the passbook entry data is created by referring to the credit card usage status data, and there is a request for entry. It transmits to the automatic transaction apparatus 100 (step R108). Thereafter, the process returns to Step R100. The passbook entry data is data in which transaction contents and AR markers as shown in FIG. 10 are printed on the passbook. FIG. 10 will be described later.

  The passbook entry data processing unit 222 creates passbook entry data so that the AR marker is printed in a size corresponding to five lines under the credit card transaction contents. Since the automatic transaction apparatus 100 performs printing in units of one line, the AR marker data is described in five parts in the passbook entry data. In the passbook data transmitted from the host computer 210, the AR marker is described as integrated data, and is converted into character data divided into five parts for each line by the received automatic transaction apparatus 100 and printed. You may do it.

  The passbook processing unit 140 of the automatic transaction apparatus 100 determines whether the passbook entry data has been received (step S108). If the passbook processing unit 140 determines that the passbook entry data has not been received (NO in step S108), the passbook processing unit 140 repeats step S108.

  When the passbook processing unit 140 determines that the passbook entry data has been received (YES in step S108), it stores the number of records in the passbook entry data in the print control variable table in the storage unit 160 (step S110). Proceed to FIG. 8B.

  The passbook processing unit 140 determines whether the printing type is a credit card usage status (step S120). If the passbook processing unit 140 determines that the printing type is not the credit card usage status (NO in step S120), the bankbook processing unit 140 performs printing as usual (step S122) and increments the print start line by 1 (step S124). That is, in the case of withdrawals or deposits that are not using a credit card, normal printing is performed. The bankbook processing unit 140 proceeds to step S150.

  If the passbook processing unit 140 determines that the print type is a credit card usage status (YES in step S120), the passbook processing unit 140 determines whether “print start line + 5> number of passable printable lines” (step S130). In this example, since the print size of the AR marker is 5 lines of the passbook, it is determined whether the current page of the passbook has a print space of +5 lines.

  If the passbook processing unit 140 determines that “print start line + 5> number of passable printable lines” (YES in step S130), it sets the print start line = 1 (step S132). That is, there is no AR marker print space on the current page of the passbook. Further, the passbook processing unit 140 determines whether “print start page + 1> number of passbook pages” (step S134). It is determined whether there is a next page in the passbook.

If the passbook processing unit 140 determines that “print start page + 1> number of passbook pages” is not satisfied (NO in step S134), the passbook is page-turned to print start page + 1 (step S136). If the passbook processing unit 140 determines that “print start page + 1> number of passbook pages” (YES in step S134), it issues a new passbook and sets the print start page = 1 (step S138).
If the passbook processing unit 140 determines that “print start line + 5> number of passable printable lines” is not satisfied (NO in step S130), or after step S136 or step S138, the credit card usage status is printed and a line feed is made. (Step S140).

  FIG. 10 is a printing example of a passbook. The second line (number 2) from the top of the passbook is the credit card usage status printed in step S140. “16-11-26”, “Mitomo card”, “83,000”, and “467,000” are printed as the credit card usage status.

  The passbook processing unit 140 sets “print start line + 1, print line number = print start line + 4” (step S142). The number of print lines is the last line on which the AR marker is printed. The passbook processing unit 140 determines whether “print start line> number of print lines” is satisfied (step S144). That is, it is determined whether printing of the fifth line of the AR marker has been completed.

  When the passbook processing unit 140 determines that “print start line> number of print lines” is not satisfied (NO in step S144), “prints one line for the AR marker, makes a line feed, and sets print start line + 1” (step S146). Returning to step S144, the next line of the AR marker is printed. If the passbook processing unit 140 determines that “print start line> number of print lines” (YES in step S144), the process proceeds to step S160.

  In FIG. 10, an AR marker 1001 corresponding to the summary information on the use of the Mitomo card is printed in the transaction content column under “Mitomo card”. The size of the AR marker is 25 mm high × 25 mm wide, and the height is 5 lines.

  Similarly, the corresponding AR marker 1002 is printed under the number 13 “FJ credit”. Also, a corresponding AR marker 1003 is printed under the “East Bank Card” of number 19. Note that the AR marker printing position is not limited to the transaction content column, and may be, for example, a remarks column.

  Proceed to FIG. 8C. The bankbook processing unit 140 determines whether the print start line> the number of printable lines in the bankbook is satisfied (step S150). When the passbook processing unit 140 determines that the print start line> the number of printable lines in the passbook (YES in step S150), the print start line = 1 is set (step S152). The bankbook processing unit 140 determines whether the print start page + 1> the number of pages in the bankbook (step S154). If the passbook processing unit 140 determines that the print start page + 1> the number of pages in the passbook is not satisfied (NO in step S154), the page break is performed to set the print start page + 1 (step S156). If the passbook processing unit 140 determines that the print start page + 1> the number of passbook pages (YES in step S154), it issues a new passbook and sets the print start page = 1 (step S158).

  If the passbook processing unit 140 determines that the print start line> the number of printable lines in the passbook is not satisfied (NO in step S150), or after step S156 or step S158, the process proceeds to step S160.

  The passbook processing unit 140 sets the number of print records + 1 (step S160). The passbook processing unit 140 determines whether or not the number of print records <the number of records (step S162). Here, it is determined whether printing of the passbook entry data has been completed. If the passbook processing unit 140 determines that the number of print records <the number of records (YES in step S162), the process returns to step S120, and the transaction is printed next, assuming that printing has not ended.

  If the passbook processing unit 140 determines that the number of print records <the number of records is not satisfied (NO in step S162), the printing start page and the print start line of the passbook data are updated (step S164), assuming that printing has been completed. As a result, the MS stripe data in the passbook is updated. Finally, the passbook processing unit 140 discharges the passbook (step S168).

  The customer can confirm the detailed contents of the credit card by reading the AR marker of the passbook with the portable terminal 400 for the passbook recorded by the above printing process. The AR marker reading application 420 of the portable terminal 400 transmits the captured AR marker image to the application server 500.

  The application server 500 decodes the received image information of the AR marker, acquires the corresponding credit card usage summary information and detailed information URL, and sends it back to the mobile terminal 400. Alternatively, the application server 500 searches the storage unit for an AR marker that matches the transmitted AR marker, and returns summary information or detailed information URL corresponding to the searched AR marker information to the portable terminal 400. Also good. The AR marker reading application 420 displays summary information and detailed information URL on the portable terminal 400 (see FIG. 1).

  As described above, according to the first print pattern process, the AR marker corresponding to the outline information of the credit card use contents and the detailed information URL is printed on the bankbook together with the use contents of the credit card. By reading the AR marker printed on the passbook with a portable terminal or the like, the customer can check the summary information and detailed information of the usage details of the credit card on the spot with the portable terminal 400.

<Second print pattern processing>
In the second print pattern, an AR marker and an iQR code are selected and printed as a mark of a specific shape according to the print space of the passbook. If there is no AR marker printing space in the passbook, the iQR code is printed.

  The iQR code is a general-purpose information data code that can be expressed by a space of 5 mm height × 15 mm width. The iQR code cannot express the amount of data that can be expressed by the AR marker and cannot confirm the summary information of the usage details like the AR marker, but can store the URL data of the customer information homepage of the credit card company. The mobile terminal 400 can read the iQR code with the AR marker reading application 420 and access the customer information homepage of the credit card company. As a result, the customer can easily confirm the detailed information on the use of the credit card.

  The second print pattern shows an example in which the AR marker and the iQR code are printed in the remarks column. In the first print pattern, an example in which the AR marker is printed in the “dealings details” column is shown (see FIG. 10). In the second print pattern, the AR marker or the like is printed in the remarks column of other transaction processing so that the passbook usage by the AR marker or the like is smaller than the first print pattern.

  FIG. 12 is a printing example of a passbook with the first printing pattern. In the bankbook, numbers 02, 08, 09, 18, and 22 are credit card usage statuses. For example, in the number 02, “16-11-26”, “Mitomo card”, “83,000”, “467,000” are printed as the credit card usage status, and the iQR code is displayed in the remarks column of the transaction. 2000 is printed.

  In the number 08, the AR marker 1010 is printed in the remarks column for five lines including the print line of the transaction. Similarly, for the number 18, the AR marker 1011 is printed in the remarks column for five lines including the print line of the transaction. In addition, in the numbers 09 and 22, the iQR code 2001 and the iQR code 2002 are printed in the remarks column of the transaction.

  11A to 11C are flowcharts 1 to 3 showing the procedure of the second print pattern process. Description of processes common to the first print pattern process and the second print pattern process is omitted. In the second print pattern process, processes different from the first print pattern process are indicated by adding “b” to the end of the step number.

  Steps S200 to S206 in FIG. 11A are the same processes as steps S100 to S106 in FIG. 8A. Steps R200 to R206 are the same processes as steps R100 to R106 in FIG. 8A. These descriptions are omitted.

  In step R208b, the passbook entry data processing unit 222 transmits the passbook entry data and the passbook entry completed data (the message for the previous four lines). This is because the remarks column for the previous four lines is the AR marker print scheduled space. Steps S208 and S210 are the same processes as steps S108 and S110 in FIG. 8A.

  Proceed to FIG. 11B. The passbook processing unit 140 determines whether the printing type is the credit card usage status based on the received passbook data (step S220b). When the passbook processing unit 140 determines that the printing type is not a credit card usage status (NO in step S220b), the bankbook processing unit 140 performs printing as usual (step S222b).

  If the passbook processing unit 140 determines that the printing type is the credit card usage status (YES in step S220b), it prints the credit card usage status (total amount for the month) (step S224b).

  The passbook processing unit 140 determines whether the print start line> 4 and the number of print records> 4 (step S226b). It is determined whether there is a space for printing the AR marker. The passbook processing unit 140 determines that the print start line> 4 and the number of print records> 4 (YES in step S226b), sets the variable i = 1 (step S230b), and initializes the variable i. In the following, it is determined whether or not all the remarks columns in the four rows (four rows above the credit card use column) for printing the AR marker are blank.

  The bankbook processing unit 140 determines whether or not the remarks column on the print start line-i line is blank (step S232b). If the passbook processing unit 140 determines that the remarks column in the print start line-i line is blank (YES in step S232b), it determines whether i = 4 (step S234b). If the passbook processing unit 140 determines that i = 4 is not satisfied (NO in step S234b), i = i + 1 is set (step S236b), and the process returns to step S232b. If the passbook processing unit 140 determines that i = 4 (YES in step S234b), it assumes that all four remarks columns for printing the AR marker are blank, and starts printing the AR marker.

  The bankbook processing unit 140 prints one line of the AR marker in the remarks column of the print start line-i line, and starts a line feed (step S238b). The passbook processing unit 140 sets i = i−1 (step S240b), and determines whether i <0 (step S242b). If the passbook processing unit 140 determines that i <0 is not satisfied (NO in step S242b), it returns to step S238b. If the passbook processing unit 140 determines that i <0 (YES in step S242b), it proceeds to step S246b, assuming that AR marker printing has been completed.

  It returns to step S226b. If the passbook processing unit 140 determines that the print start line> 4 and the number of print records> 4 (NO in step S226b), the iQR code is printed in the remarks column, a line feed is made (step S244b), and the process proceeds to step S246b.

  The process returns to step S232b. When the passbook processing unit 140 determines that the remarks column in the print start line-i line is not blank (NO in step S232b), the iQR code is printed in the remarks column of the transaction, and a line feed is inserted (step S244b). The process proceeds to S246b. The passbook processing unit 140 sets the print start line to +1 (step S246b).

  Proceed to FIG. 11C. Steps S250 to S268 in FIG. 11C are the same processes as steps S150 to S168 in FIG.

  As described above, according to the second print pattern process, the AR marker and the iQR code are selectively used as the mark having a specific shape. By printing an iQR code that can be printed in one line of the passbook when there is no AR marker printing space, a mark with a specific shape can be printed even if a credit card transaction is close to the passbook. In addition, according to the second print pattern process, since the mark having a specific shape is printed in the remarks column, an increase in the amount of use of the passbook can be suppressed.

<Third print pattern processing>
The third print pattern process uses a markerless type AR marker (hereinafter referred to as a markerless AR) as a mark having a specific shape for specifying the contents of the usage amount.

  13A and 13B are print examples of the AR marker and iQR code, which are the same as those described in the second print pattern process. As shown in FIG. 13A, an AR marker 1020 having a height of 25 mm and a width of 25 mm is printed on a print line (No. 04, FJ credit) of a debit amount of a credit card company. In addition to the print line of the credit card company's debit amount, the print is printed in a total of 5 lines using the upper and lower lines. In the third print pattern process, the reading guide 3000 is printed at the four corners of the AR marker 1020. The reading guide 3000 is a positioning guide when shooting the AR marker with the mobile terminal 400. H0 is the reading range of the AR marker 1020 in the height direction.

  Then, as shown in FIG. 13B, in the second print pattern process, if there is no blank for 5 lines (25 mm) along the top and bottom of the debit amount print line of the credit card company, the iQR code 2003 is printed. .

  In the third print pattern process, when the credit card company debit amount is continuously printed, the first line of the next AR marker is printed under the already printed AR marker. The symbol-less AR is a combined symbol obtained by adding the first one line of the next AR marker to the lower four lines of the already printed AR marker. An example is shown in FIG. 13C.

  As shown in FIG. 13C, the first line of the original AR marker 1021 (Yamato Petroleum Card) was added to the four lines of the already printed AR marker 1020 (FJ credit, range of height H0). The pattern (the range of height H1) is markerless AR1021b (Yamato Petroleum Card). The original AR marker 1021 (whole) is an AR marker created by the Daiwa Oil Card credit card company and corresponding to the usage content (No. 05) of the Daiwa Oil Card.

  The markerless AR 1021b is set by the passbook entry data processing unit 222, for example. The passbook entry data processing unit 222 sets, as a mark corresponding to the usage content of the Yamato Oil card, a pattern obtained by combining the AR marker 1020 of the FJ credit and the original AR marker 1021 of the Daiwa Oil card in the markerless AR 1021b. The passbook entry data processing unit 222 transmits only the bottom line of the AR marker 1021 to the automatic transaction apparatus 100 as passbook entry data.

  Then, the passbook entry data processing unit 222 associates the markerless AR 1021b with the summary information of the Daiwa Oil card and the detailed information URL and manages them in the passbook entry DB 262. The passbook entry data processing unit 222 acquires the corresponding summary information and detailed information URL from the credit management server 310 of the Daiwa Oil Card.

  Further, the passbook entry data processing unit 222 transmits the markerless AR 1021b and the summary information and detailed information URL of the corresponding Yamato Oil card to the application server 500. The application server 500 stores summary information and detailed information URL of the Yamato Oil card corresponding to the markerless AR1021b.

  Note that FIG. 13C shows an example in which credit card company debits continue. However, when another credit card company debit is printed, for example, after two lines, it is under the already printed AR marker. A symbol synthesized by adding the first two lines of the next AR marker to the three lines is set as the markerless AR.

  In the case of displaying the credit card usage summary information or the like in the passbook shown in FIG. 13C, the mobile terminal 400 takes the image of the AR marker with the printed line of the card aligned in the center and the upper and lower lines aligned (read). . Specifically, when displaying FJ credit summary information or the like, the AR marker 1020 is imaged with the mobile terminal 400 within the guide 3020 within the imaging range (H0 range). And when displaying the summary information etc. of a Yamato oil card etc., markerless AR1021b is image | photographed with the portable terminal 400 by making the inside of the guide 3021 into the imaging | photography range (range of H1).

  When the markerless AR 1021b is captured, the captured image of the markerless AR 1021b is transmitted to the application server 500 by the AR marker reading application 420 of the mobile terminal 400. The application server 500 searches for a mark that matches the transmitted markerless AR 1021b, and returns summary information and detailed information URL corresponding to the searched mark information to the portable terminal 400. The AR marker reading application 420 displays the summary information and the detailed information URL on the portable terminal 400.

  FIG. 13D is an example in which the use of the ABC card of number 06 is further printed on the passbook of FIG. 13C. Use of ABC card with a pattern in which the lower one line of AR marker 1020 that has already been printed and one line of AR marker 1021 are added with the lower one line of original AR marker 1022 corresponding to the use of ABC card A new markerless AR1022b corresponding to is set. The original AR marker 1022 (whole) is an AR marker created by an ABC card credit card company and corresponding to the usage details (number 06) of the customer of the ABC card. The passbook entry data processing unit 222 transmits only the bottom line of the AR marker 1022 to the automatic transaction apparatus 100 as passbook entry data.

  The portable terminal 400 can display the outline information and the like of the ABC card by photographing the markerless AR1022b in the H2 range using the guide 3022.

  As described above, according to the third print pattern processing, by using a markerless type AR marker, it is possible to fill in and add AR markers even when the debit amount of the credit card company is printed continuously or closely. . Thereby, even if an AR marker is printed as a mark having a specific shape, excessive use of the passbook can be avoided.

<Fourth print pattern processing>
The fourth print pattern is a pattern for printing AR markers together for each month. FIG. 14 is an example of the fourth print pattern. FIG. 14 shows the bankbook in a spread state.

  When the credit card company debit amount is printed, information indicating the correspondence with the AR marker is printed. In this example, information indicating correspondence is a serial number (01, 02, 03...). Then, in the month following the month in which the credit card is used, the credit card usage information for the previous month is collected under the last print line of the previous month, and the AR marker is printed.

  In the example of FIG. 14, the AR marker 1030 on the upper page corresponds to the heart-full card (4) of number 02. Further, the AR marker 1031 on the lower page corresponds to the FJ credit (1) of number 12. The AR marker 1032 and the AR marker 1033 on the lower page correspond to the ABC card (2) of number 13 and the FF card (3) of number 16, respectively.

  The passbook entry data processing unit 222 creates passbook entry data so that AR markers and the like are printed in accordance with the above format, and transmits them to the automatic transaction apparatus 100.

  As described above, according to the fourth print pattern process, excessive use of the passbook can be avoided even when the AR marker is printed as a mark having a specific shape.

<effect>
As described above, in any of the first to fourth printing patterns, the customer can confirm the credit card usage details from the information of the mark passbook of a specific shape represented by the AR marker. It is possible to prevent the user from knowing the usage details of the withdrawal, and becoming uneasy about whether the withdrawal amount is accurate.

  Note that the present invention is not limited to the above-described embodiment as it is, and can be embodied by modifying the constituent elements without departing from the scope of the invention in the implementation stage. Moreover, various inventions can be formed by appropriately combining a plurality of constituent elements disclosed in the embodiment. For example, all the constituent elements shown in the embodiments may be appropriately combined. Furthermore, constituent elements over different embodiments may be appropriately combined. It goes without saying that various modifications and applications are possible without departing from the spirit of the invention.

DESCRIPTION OF SYMBOLS 1 Usage content display system 100 Automatic transaction apparatus 110 Control part 120 Operation part 125 Display part 130 Cash processing unit 140 Passbook processing unit 150 Communication part 160 Storage part 200 Bank account system 210 Host computer 220 Main control part 222 Passbook book data processing Part 250 communication part 260 customer DB
262 Passbook entry DB
310 credit management server 320 control unit 340 AR marker creation unit 342 storage unit 350 communication unit 360 usage details DB
400 Mobile terminal 410 Control unit 420 AR marker reading application 430 Operation unit 435 Display unit 440 Camera unit 450 Communication unit 500 Application server

Claims (12)

In the passbook entry data processing device that creates the passbook entry data based on the transaction details of the customer and transmits the created passbook entry data to the automatic transaction device that prints the transaction details of the customer on the passbook,
Among the transaction contents of the customer, for transactions with a credit card company, a mark of a specific shape for identifying detailed information of the usage amount is added to the usage amount of the credit card company, and the passbook entry data A passbook entry data processing apparatus characterized by creating The passbook data processing apparatus according to claim 1, wherein the mark having a specific shape is created by the credit card company and provided from the credit card company to the book data processing apparatus. The passbook data processing apparatus according to claim 1, wherein an AR (Augmented Reality) marker is added as the mark of the specific shape. 4. The passbook entry data processing apparatus according to claim 3, wherein an AR marker having a print size that extends over a plurality of lines of the passbook is added. 4. The passbook entry data processing apparatus according to claim 3, wherein an iQR code (registered trademark) having a print size equivalent to one line of a passbook is added in addition to the AR marker. The passbook data processing apparatus according to claim 1, wherein the mark having the specific shape is a markerless AR. If there are transactions with multiple credit card companies as transactions with the credit card company, the passbook entry data is created so that AR markers corresponding to the transactions of each credit card company are printed side by side on the passbook The passbook data processing apparatus according to claim 3, wherein: The passbook data processing apparatus according to claim 1, further comprising a host computer connected to the automatic transaction apparatus and managing customer transaction information. In an automatic transaction device that prints the transaction details of customers on a passbook,
Among the transaction details of the customer, for transactions with a credit card company, together with the usage amount of the credit card company, a mark of a specific shape for specifying detailed information on the usage amount, from the credit card company An automatic transaction apparatus characterized by printing a mark of a specific shape provided. In the book data creation method of creating the passbook entry data based on the transaction details of the customer and sending the passbook entry data created to the automatic transaction device that prints the transaction details of the customer on the passbook,
Among the transaction contents of the customer, for transactions with a credit card company, a mark of a specific shape for identifying detailed information of the usage amount is added to the usage amount of the credit card company, and the passbook entry data A method for creating passbook entry data, characterized in that In a program for causing a computer to execute a passbook entry data creation method for creating a passbook entry data based on a customer transaction content and transmitting the created transaction book data to an automatic transaction apparatus that prints the customer transaction content in a passbook.
A passbook entry data creation step for creating the passbook entry data;
Transmitting the created passbook data to the automatic transaction apparatus,
The passbook entry data creation step includes, in the transaction contents of the customer, for a transaction with a credit card company, a mark of a specific shape for specifying detailed information on the use amount is added to the use amount of the credit card company. In addition, a program for creating the passbook data. An automatic transaction apparatus, a host computer connected to the automatic transaction apparatus for managing customer transaction information, a credit card company server connected to the host computer for managing customer card transactions, and a portable terminal used by the customer And a usage content display system having an application server connected to the mobile terminal,
The server of the credit card company creates a mark of a specific shape according to the contents of the usage amount with the customer's credit card company, and uses the customer's usage amount with the credit card company and the created mark of the specific shape as the host Send it to the computer,
The host computer adds a mark of a specific shape according to the usage details to the usage amount with the customer's credit card company, creates passbook entry data, and sends the created passbook entry data to the automatic transaction apparatus Send
Based on the passbook data sent from the host computer, the automatic transaction apparatus prints the customer's credit card company's credit card company's usage amount and a specific mark on the customer's passbook,
The mobile terminal has an application that displays detailed information of the usage amount with the customer's credit card, and the application captures the specific shape mark printed on a passbook with a camera, and the specific shape captured Send the image of the mark to the app server,
The application server, based on the information acquired from the server of the credit card company, transmits detailed information on the usage amount with the customer's credit card corresponding to the mark of the specific shape to the mobile terminal,
The usage information display system, wherein the application displays the detailed information of the received usage amount with the credit card of the customer.