JP2791724B2 - Automatic transaction equipment - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus installed in a financial institution or the like, and more particularly, to a common insertion slot into which both a transaction card and a passbook can be inserted, and a card processing section and a passbook processing section for both. The present invention relates to an automatic transaction apparatus provided with a transport mechanism that can be used for the transport of goods.

[0002]

2. Description of the Related Art Conventionally, an automatic transaction apparatus has been provided with an insertion slot exclusively for a transaction card and an insertion slot exclusively for a passbook, and a transport mechanism corresponding to each of these insertion slots. The transaction card is transported to the card processing unit by one transport mechanism, and the passbook is transported to the passbook processing unit by the other transport mechanism.

However, in the case where two transport mechanisms are provided corresponding to the respective insertion ports, the structure of the apparatus is complicated and the cost is increased, and the apparatus is disadvantageously enlarged.

Therefore, an automatic transaction apparatus shown in FIG. 2 has been proposed (Japanese Utility Model Publication No. 59-40691). That is, this automatic transaction apparatus is provided with one insertion port 2 for inserting a transaction (magnetic) card and a passbook into a cabinet plate 1. Insertion port 2
A magnetic card reader 3 for detecting the presence of a magnetic stripe of a transaction card and a passbook magnetic reader 4 for detecting the presence of a magnetic stripe of a passbook are arranged in the vicinity of. A transport mechanism 5 is provided behind these readers 3 and 4. The transport mechanism 5 has a plurality of pairs of transport rollers 6 and 6 arranged vertically along the transport path Y, and a transport belt (not shown).

A magnetic head 7 for reading card data from a magnetic stripe of the transaction card and a pressing roller 8 elastically pressed by the head 7 are disposed in front of the transport path Y (on the side of the insertion slot 2). . In the center of the transport path Y, a magnetic head 9 for reading passbook data from a magnetic stripe of the passbook and a pressing roller 1 elastically pressed by the head 9
0 is provided. A printer 11 for printing transaction data on a passbook and a print stand 12 for fixing the passbook are provided behind the transport path Y.

[0006] An imprint unit 13 is arranged downstream of the transport path Y. The imprint unit 13 includes a roller 15 for imprinting the embossed symbol of the transaction card on the journal paper 14, an imprint table 16 for fixing the transaction card and the journal paper 14, and a take-up for winding the imprinted journal paper 14. And a vessel 17. A slip sheet 18 is superimposed on the journal sheet 14, and transaction data is printed on these sheets 14 and 18 by a printer 19. The journal paper 14 and the slip paper 18 are stored in a storage box 20 and fed out. The printed slip paper 18 is cut by the cutter 21 and carried out to the customer.

In the automatic transaction apparatus having the above structure, when a transaction card is inserted from the insertion slot 2 by a customer,
Since the magnetic stripe is detected by the card magnetic reader 3, the transport mechanism 5 and the magnetic head 7 start operating. Therefore, the inserted transaction card is transferred to the transfer rollers 6,6.
The card data of the magnetic stripe is read by the magnetic head 7. Since the card data includes a personal identification number, an account number, and the like, transaction processing such as payment and remittance is executed based on the input data input by the customer's operation and the card data.

On the other hand, the transaction card from which the card data has been read is further conveyed by the transfer rollers 6 and 6 and set on the imprint table 16. Then, since the roller 15 presses the journal paper 14 against the transaction card, the emboss symbol of the transaction card is imprinted on the journal paper 14. When the transaction processing by the transaction card is completed, the imprinted transaction card is transported in the reverse direction by the transport mechanism 5 and returned to the customer through the insertion slot 2.

Next, when the customer inserts the passbook through the insertion slot 2, the magnetic stripe is detected by the passbook magnetic reader 4, and the transport mechanism 5, the magnetic head 9, and the printer 11 start operating. I do. Therefore, the inserted passbook is transferred inside by the transfer rollers 6, 6, and the like, and the passbook data is read by the magnetic head 9 from the magnetic stripe. Since the passbook data includes a personal identification number and an account number, transaction processing such as payment, transfer or bookkeeping is executed based on the input data input by the operation of the customer and the passbook data.

On the other hand, the passbook from which the passbook data has been read is further conveyed by the transfer rollers 6, 6 and the like, and set on the print table 12. Then, the transaction result is printed on the passbook by the printer 11, and when the printing is completed, the transaction result is conveyed in the reverse direction by the conveyance mechanism 5 and returned to the customer through the insertion slot 2.

As described above, one transfer mechanism 5 is provided in one insertion slot 2, and a card processing unit including the magnetic head 7 and the like, a passbook processing unit including the magnetic head 9, the printer 11 and the like are provided in the transfer mechanism 5. Is provided, since there is only one transport mechanism, the automatic transaction apparatus can be made small and inexpensive.

[0012]

However, in the conventional automatic transaction apparatus shown in FIG. 2, since only one transport mechanism 5 is provided, transaction processing using a transaction card and transaction processing using a passbook are performed separately. There is a need. For this reason,
If you choose the payment transaction will prompt operation of the personal identification number to the customer to insert the transaction card, after the payment process has been returned to the transaction card by the end, it is inserted into the passbook was further select the bookkeeping, again customer Must prompt the same operation to end the bookkeeping process. Therefore, since the payment processing and the bookkeeping processing are performed independently in this way, there are drawbacks that a customer is required to perform a double job and that the waiting time of another customer is increased.

SUMMARY OF THE INVENTION The present invention has been made to solve such a problem. An automatic transaction apparatus which is small and inexpensive and which can perform payment processing by a transaction card and entry into a passbook in a single operation is provided. The purpose is to provide.

[0014]

Means for Solving the Problems The present invention includes a common insertion port in which both of the transaction card and passbook is inserted, a card processing unit that processes card data of the transaction card, the card
It is arranged behind the processing unit and processes the passbook data of the passbook.
Passbook processing unit, and the inserted transaction card
And the inserted passbook is transferred to the
A shared transport mechanism for transporting to the book processing unit;
The transaction card that has been processed after processing is sent to the rear
Then imprint the emboss symbol
And an automatic transaction device comprising:
And payment of the payment result to the passbook at the same time
Customer selection input means for allowing the customer to select whether or not
When simultaneous processing is selected by the selection input means, the display section is controlled.
Continuous insertion of the transaction card and passbook to the customer
Is displayed, and the transaction card and the pass
Once inserted, the customer is given an identification code once
Only to enter the payment process and the passbook entry process in parallel.
Concurrently executing means for executing the
Detects whether a transaction card or passbook is inserted
And a detection signal from the detection unit,
To determine whether it was inserted before the transaction card
Insertion order judging means and temporarily hold the inserted passbook
Temporary holding unit, and the insertion order determination means
Upon determining the previous insertion, the implementation of the transaction card
In order to enable transmission to the contact section, the passbook processing section
Passbook hold instructing means for loading a book into the temporary holding unit;
It is characterized by including .

[0015]

When the customer selects the simultaneous processing using the customer selection input means, the simultaneous processing execution means simultaneously executes the payment processing using the transaction card and the bookkeeping processing using the passbook. Therefore, the customer inserts the transaction card and the passbook continuously into the common slot, and performs the operation of inputting the PIN and the amount of payment once .
Just fine . On the other hand, when the passbook is inserted first, the detection unit outputs a detection signal, and the insertion order determination unit determines this. Based on this determination, the passbook hold instructing means controls the operation of the temporary holding unit, and causes the passbook to be taken into the temporary holding unit from the passbook processing unit. Therefore, the transaction card can be inserted continuously to the insertion of the passbook.

[0016]

Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a block diagram of an automatic transaction apparatus according to the present invention, and FIG. 3 is a perspective view of the same apparatus. In these figures, the transaction card 22 is located above the front of the automatic transaction apparatus.
A common insertion slot 30 for inserting both the passbook 25 (see FIG. 4) and the passbook 25 (see FIG. 5) is provided. As shown in FIG. 3, a return storage unit 31 for storing the returned transaction card 22 is provided below the common insertion slot 30. A detection unit 32 is provided behind the common insertion slot 30 as shown in FIG. The detecting unit 32 detects the presence of the magnetic stripe 23 of the transaction card 22 and detects that the inserted medium is the transaction card 22.
And a passbook magnetic reader comprising a magnetic head for detecting the presence of the passbook 6 and detecting that the inserted medium is the passbook 25. The detection signal from the detection unit 32 is supplied to the control unit 33.

A shared transport mechanism 34 is provided behind the detection unit 32. This shared transport mechanism 34 is a reciprocating transport path X
And a plurality of pairs of transport rollers and transport belts disposed opposite to each other at upper and lower positions, and are operated as described later under the control of the controller 33. A card processing unit 35 is incorporated in the common transport mechanism 34. The card processing unit 35 includes a magnetic reader for reading card data from the magnetic stripe 23 of the transaction card 22 and a magnetic writer for writing predetermined data as necessary.
3 is operated.

A passbook processing unit 36 is incorporated in the common transport mechanism 34. The passbook processing unit 36 stores the passbook 25
A magnetic reader for reading passbook data from the magnetic stripe 26 and a dot printer for printing transaction data on the passbook 25 are operated under the control of the control unit 33.

An imprint unit 37 is provided behind the shared transport mechanism 34. The imprint unit 37 includes an imprint roller for pressing the journal paper against the embossed symbol 24 of the transaction card 22 for imprinting, and an imprint table for placing and fixing the transaction card 22 thereon. It is operated by the control of. A temporary holding section 38 is provided at a lower rear portion of the shared transport mechanism 34. The temporary holding unit 38 temporarily retracts and holds the inserted passbook 25, and rotates on the reciprocating transport path X to form an introduction path for the passbook 25, and rotates the blade. Drive motor (or solenoid, etc.)
And a plurality of pairs of take-in rollers for nipping and taking in the introduced passbook 25 and a stopper for bringing the end of the taken passbook into contact with each other, and the operation is similarly controlled by the control unit 33.

A simultaneous processing instruction key 39 is connected to the control unit 33. The simultaneous processing instruction key 39 is provided substantially at the center of the apparatus as shown in FIG. 3, and outputs a key signal when pressed by a customer.

The control section 33 has a simultaneous processing executing means 40, an insertion order judging means 41, and a passbook holding instructing means 42. Simultaneous processing execution means 40 is a simultaneous processing instruction key 39
When the key signal is transmitted, the payment processing by the transaction card 22 and the bookkeeping processing by the passbook 25 are simultaneously executed as described later. The insertion order determining means 41 determines that the medium inserted first by the detection signal from the detection unit 32
Or the passbook 25 is determined. This determination signal is supplied to the simultaneous processing execution means 40. Further, a determination signal indicating that the passbook 25 has been inserted first is also supplied to the passbook holding instruction means 42. As a result, the passbook holding instructing means 42 controls the operation of the temporary holding unit 38 described above, and the passbook 25
To be taken.

A CRT display 43 is connected to the control unit 33. The CRT display 43 is used for displaying guidance for operation input to the customer. Touch panel 4 on the front of CRT display 43
4 are provided. The touch panel 44 is used for inputting a password and a payment amount. In FIG. 3, 4
Reference numeral 5 denotes a bill receiving / dispensing port, and a bill receiving / dispensing machine (not shown) is provided behind the bill receiving / dispensing port. Reference numeral 46 denotes a coin receiving / dispensing port, and a coin receiving / dispensing machine (not shown) is provided behind the coin receiving / dispensing port.

FIG. 4 shows a transaction card 22, on the surface of which a magnetic stripe 23 and an embossed symbol 24 are provided. The magnetic stripe 23 records card data such as a personal identification number, an account number, and a deposit balance of the customer. The emboss symbol 24 is formed from a bank number, a branch number, an account number, and a customer name. FIG. 5 shows the back side of the passbook 25, on which a magnetic stripe 26 is provided. The magnetic stripe 26 records passbook data such as a personal identification number, an account number, a page, and a print line of the customer.

Next, the operation of the automatic transaction apparatus of the present invention will be described with reference to FIG.
And the operation flowchart of FIG. The control unit 33 controls the CRT display 43 to display a transaction selection screen (step 1). In this display, when the customer selects a payment transaction (step 2), the control unit 33 controls the CRT display 43, as shown in FIG.
Display "Press the simultaneous processing instruction key when paying with the transaction card and registering the passbook at the same time" (step 3).

When the customer presses the simultaneous processing instruction key 39 in response to the guidance instruction, the simultaneous processing executing means 40 receives the key signal, determines that the simultaneous processing has been selected (step 4), and starts the execution of the simultaneous processing. That is, the simultaneous processing execution means 40 controls the CRT display 43 to display a screen for prompting insertion of a transaction card and a passbook (step 5). When the customer inserts the transaction card 22 into the common insertion slot 30 first, the detection unit 32 outputs a detection signal indicating the insertion of the card. The insertion order determining means 41 determines from the detection signal that the transaction card 22 has been inserted first (step 6), and supplies this determination signal to the simultaneous processing executing means 40.

As a result, the simultaneous processing execution means 40 activates the shared transport mechanism 34 to transport the transaction card 22 to the card processing section 35. The card processing unit 35 reads card data from the magnetic stripe 23 of the transaction card 22 and supplies the data to the simultaneous processing execution means 40. Further, the simultaneous processing execution means 40 causes the CRT display 43 to display a screen for prompting the input of a personal identification number. When the customer presses the touch panel 44 and inputs a password (step 8), the simultaneous processing execution means 40 compares the input password with the password of the card data, and controls the CRT display 43 when the passwords match. To display a screen prompting for the payment amount.

When the customer presses the touch panel 44 and inputs the payment amount (step 9), the simultaneous processing execution means 40
Sends the payment data together with the card data to the host computer of the center (not shown) (step 10).
The center accesses the center file, searches the customer's account, executes the payment process, and when this process ends,
The processing completion message is transmitted to the automatic transaction device.

On the other hand, upon reading the card data from the transaction card 22, the simultaneous processing execution means 40 operates the shared transport mechanism 34 to transport the transaction card 22 to the imprint unit 37. As a result, the passbook 25 can be inserted. Therefore, when the passbook 25 is inserted into the common insertion slot 30 after step 8, the passbook 25 is detected by the detection unit 32, and the simultaneous processing execution means 40 activates the common transport mechanism 34 to pass the passbook 25 It is transported to the processing unit 36.

When the processing end message is transmitted from the center side (step 11), the simultaneous processing execution means 40 activates the passbook processing section 36 and reads passbook data from the magnetic stripe 26 of the passbook 25. If the passbook data matches the card data, the simultaneous processing execution means 40 determines that the transaction card 22 corresponds to the passbook 25, and passes the transaction data including the balance of the customer account and the payment amount. Part 36
To make the passbook 25 perform predetermined printing (bookkeeping) (step 12). Further, the simultaneous processing executing means 40 activates the imprint unit 37 to imprint the emboss symbol 24 of the transaction card 22 on journal paper (step 13).

Thereafter, the simultaneous processing execution means 40 operates the banknote pay-in / pay-out device to count the amount of payment, and the banknote pay-in / pay-out port 45
(Step 14). Lastly, the simultaneous processing execution means 40 activates the shared transport mechanism 34 to cause the passbook processing section 3
6 and the transaction card 22 for which the imprint process has been completed by the imprint unit 37 are transported in the reverse direction, and the passbook 25 and the transaction card 2
2 is returned to the customer (step 15), and the bill receiving / dispensing port 45 is opened to allow the customer to receive the bill (step 16).

On the other hand, in step 6, the passbook 25
Is first inserted, the detection unit 32 supplies a passbook detection signal to the insertion order determination unit 41 first. This allows
The insertion order determination unit 41 determines that the passbook 25 has been inserted first, and supplies a determination signal to the simultaneous processing execution unit 40 and the passbook hold instruction unit 42. Upon receiving this determination signal, the simultaneous processing execution means 40 activates the shared transport mechanism 34 to transport the passbook 25 to the passbook processing section 36 and also activates the passbook processing section 36. Therefore, the passbook processing unit 36 reads the passbook data from the magnetic stripe 26 of the passbook 25 (step 20), and the passbook data is
Supplied to

As described above, when the passbook data is read,
The passbook holding instruction means 42 operates the temporary holding unit 38.
Thereby, the passbook 25 is introduced into the temporary holding section 38 side by the blade, is taken in by the take-in roller, and is temporarily evacuated (step 21). Accordingly, the inserted transaction card 22 can be transported to the imprint unit 37.

Thereafter, the simultaneous processing execution means 40 displays a screen for prompting the input of a personal identification number on the CRT display 43 in the same manner as described above, so as to input the personal identification number (step 2).
2) If the passwords match, the payment amount is displayed on the screen to prompt the user to enter the payment amount (step 23).
Further, the simultaneous processing execution means 40 transmits the payment amount data together with the passbook data to the center side (step 24), and receives a processing end message from the center (step 25).

On the other hand, after step 22, the transaction card 22
Is inserted into the common insertion slot 30, the simultaneous processing execution means 4
0 operates the shared transport mechanism 34 to transport the transaction card 22 to the card processing unit 35 and to read the card data from the magnetic stripe 23 of the transaction card 22 by the card processing unit 35. If the card data matches the passbook data, it is determined that the transaction card 22 corresponds to the passbook 25, and the shared transport mechanism 34 is operated to set the transaction card 2
2 to the imprint unit 37. Upon receiving the processing end message from the center, the simultaneous processing execution means 40 activates the imprint unit 37 to imprint the embossed symbol 24 of the transaction card 22 on the journal paper (step 26).

Further, the passbook holding instructing means 42 supplies an evacuation release signal to the temporary holding section 38 to cause the temporary holding section 38 to operate in reverse. Thereby, the passbook 25 is sent out to the blade side by the take-in roller, and returned to the passbook processing unit 36 by the reverse rotation operation of the blade (step 27). Subsequently, the simultaneous processing execution means 40 supplies the transaction data to the dot printer of the passbook processing unit 36, and causes the passbook 25 to perform predetermined printing (bookkeeping) (step 28).

After that, since step 14 and subsequent steps are executed, the passbook 25 and the transaction card 22 are returned to the customer, and cash is paid. In the above embodiment, when the card data of the transaction card 22 and the passbook data of the passbook 25 do not match, the transaction card 22 or the passbook 25 inserted later is returned during the payment process, and the indication of the mismatch is displayed on the CRT display 43. It is performed in. Simultaneous processing instruction key 3
It is not necessary to provide 9 independently. For example, a simultaneous processing selection screen may be displayed on the CRT display 43, and a selection signal may be supplied to the simultaneous processing execution means 40 via the touch panel 44.

[0037]

As described above, according to the present invention,
In an automatic transaction device having a common insertion slot and a common transport mechanism, payment processing using a transaction card and its bookkeeping processing are performed in parallel.
When performing in a row, let the customer select the simultaneous processing, insert the transaction card and passbook continuously, and enter the PIN by one customer
The payment operation and the bookkeeping process are executed by the input operation, and especially when the passbook is inserted first, the passbook is evacuated to the temporary holding section so that the transaction card can be inserted. It is possible to provide an automatic transaction device that can execute payment processing and bookkeeping processing using a card and a passbook in a short time.

[Brief description of the drawings]

FIG. 1 is a block diagram of an automatic transaction device according to the present invention.

FIG. 2 is a schematic diagram of a conventional automatic transaction device.

FIG. 3 is a perspective view of the automatic transaction apparatus according to the present invention.

FIG. 4 is a diagram showing a transaction card.

FIG. 5 is a diagram showing a back surface of the passbook.

FIG. 6 is an operation flowchart when the transaction card of the present invention is inserted first.

FIG. 7 is an operation flowchart when a passbook of the present invention is inserted first.

FIG. 8 is a diagram showing an example of a simultaneous processing guidance screen.

[Explanation of symbols]

 REFERENCE SIGNS LIST 30 Common insertion slot 32 Detecting unit 33 Control unit 34 Shared transport mechanism 35 Card processing unit 36 Passbook processing unit 37 Imprint unit 38 Temporary holding unit 39 Simultaneous processing instruction key 40 Simultaneous processing execution means 41 Insertion order determination means 42 Passbook holding instruction means 43 CRT display

Claims (1)

(57) [Claims] A shared insertion slot into which both a transaction card and a passbook are inserted; a card processing unit for processing card data of the transaction card; and a card processing unit arranged behind the card processing unit. A passbook processing unit that processes passbook data of a passbook, a shared transport mechanism that transports the inserted transaction card to the card processing unit and transports the inserted passbook to the passbook processing unit, and a passbook processing unit. And an imprint unit for imprinting the embossed symbol when a transaction card which has been processed is completed and sent to the rear. A customer selection input means for allowing the customer to select whether or not to perform the processing at the same time; and a display when the simultaneous processing is selected by the customer selection input means.
Control the department to provide the customer with the transaction card and passbook
A screen that prompts you to insert the transaction card
Is inserted at consecutive times, the customer is given a personal identification number
Is entered only once to execute the payment process and the passbook entry process.
Simultaneous processing execution means for executing in parallel, a detecting unit for detecting which of the transaction card and the passbook is inserted in the shared insertion slot, and the passbook is transmitted from the transaction card by a detection signal from the detecting unit. Order judging means for judging whether or not the passbook has been inserted first, a temporary holding unit for temporarily holding the inserted passbook , and the insertion order judging means judging the insertion of the end of the passbook
And sending the transaction card to the imprint unit.
In order to enable an automatic transaction apparatus which comprises a bankbook hold instruction means for incorporating the passbook of the passbook processing unit to the escrow unit.