JP4408360B2 - Automatic transaction apparatus and transaction system - Google Patents

Description

  The present invention relates to a system for dealing with a reading error of a magnetic recording medium used in a transaction in an automatic transaction apparatus such as an automatic cash transaction apparatus or a passbook entry machine installed in a store such as a bank or other financial institution. , Automatic transaction devices and centers that can repair media that cannot be handled on the spot, or issue new media if they cannot be repaired during transactions using media such as passbooks and magnetic cards It is related with the media repair transaction system by cooperation.

  2. Description of the Related Art Conventionally, an automatic transaction apparatus such as an automatic cash transaction apparatus or a passbook bookkeeping machine is equipped with a passbook printing mechanism that handles a passbook, a card mechanism that handles a magnetic card, an IC card, or both. The bankbook and magnetic card, which are magnetic media, are provided with a magnetic stripe (hereinafter referred to as MS) for recording customer information, transaction information, etc., and the automatic transaction apparatus reads the MS data from the MS, thereby Perform the transaction used and write the MS data including the transaction result to the MS. In the automatic transaction apparatus, if the MS data of the magnetic medium is destroyed, the magnetic medium cannot be handled. In that case, the customer needs to bring the magnetic medium to the counter, and the counter attendant must perform the necessary procedures to restore the MS data. Such a phenomenon has become particularly problematic in recent years when mobile phones using magnetism for speakers have become widespread.

  In addition, the automatic transaction device collates the result of detecting the number of final print lines by checking whether or not each line of the passbook is printed with the information on the number of final print lines in the MS data. This prevents printing that has been skipped. In the automatic transaction device, when there is a printing deviation at the time of bankbook printing in the previous transaction, or when the spread page of the bankbook is dirty, etc., the detection result of the number of final printed lines by checking the presence or absence of printing of each line of the bankbook, If the match with the last printed line number information in the MS data does not match, the passbook is returned to the customer. In that case, the customer needs to bring the bankbook to the counter, and the counter staff must perform the necessary procedures and repair the bankbook.

  In view of such a problem, a technique for eliminating the need for a customer to visit a window by recovering MS data in an automatic transaction apparatus has been studied. In the technique disclosed in Japanese Patent Laid-Open No. 2000-187756, the host computer manages the book entry intermediate page and the printing line together with the account information on the host computer side. In order for the host computer to determine the account number using customer information from the cash card, etc., and to determine the validity of the MS data restoration request and restore the final print balance information transmitted from the automatic transaction apparatus to the automatic transaction apparatus The MS data is transmitted.

JP 2000-187756 A

  In the above prior art, the character recognition accuracy is low due to reasons such as sparse print density, the final print balance print location is not fixed, and the density of printed characters is high. There is a possibility that processing may become impossible or wrong processing may be performed.

  In addition, in the prior art, in the case of MS repair of a passbook or magnetic card, necessary information is obtained from something other than a damaged MS, that is, in the case of a passbook MS error, the cash card data is read, etc. Obtaining an account number. Therefore, when there is no cash card or when an error occurs in both the MS data of the cash card and the MS data of the bankbook, there is a problem that neither MS data can be restored.

  Furthermore, in the case of repairing the print line mismatch in the passbook, it has not been possible to investigate the cause of the print line mismatch error.

  An object of the present invention is to realize an automatic transaction apparatus that can be issued that can accurately handle MS data reading errors on the spot.

  In order to save labor for the sales staff at each sales office, a center will be set up to handle media repair work. In order for a customer to recover a medium or obtain a new medium only by operating the automatic transaction apparatus without worrying about the counter business hours, the medium repair operation is performed in cooperation with the automatic transaction apparatus and the center.

  According to the present invention, it is possible to accurately cope with an error in reading accurate MS data.

  Hereinafter, it demonstrates in detail with drawing.

  FIG. 1 is a block diagram of a system and devices for realizing the recovery of a magnetic information reading error of a magnetic recording transaction medium such as a passbook or a magnetic card. An automatic transaction apparatus 101 installed in a branch office or the like in a financial institution such as a bank and a remote host 102 are connected by a network 103 to perform a transaction. The host 102 is provided with a storage device for storing the ledger data 104. The ledger data includes the customer's store number, account number, password, unbooked information, or passbook MS data such as passbook line information, passbook final print data, etc. Transaction information. In the passbook MS data, various information such as customer account numbers, transaction items (regular deposits, time deposits, etc.), passbook page information, and print information are stored.

  The automatic transaction apparatus 101 is connected to the center 105 for carrying out the passbook repair through the network 103, and the center 105 takes charge of the passbook repair process remotely. Note that the center 105 can be used in combination with an existing automatic machine transaction apparatus monitoring center or the like having a task of bankbook repair processing.

  The automatic transaction apparatus 101 includes a control unit 106 that controls the overall operation, a card mechanism 107 that reads information on a magnetic card inserted by a customer during a transaction, and a statement slip mechanism 108 that prints transaction result information and the like on a statement slip. A bankbook printing mechanism 109 for printing transaction information and the like on the bankbook and a customer operation unit 110 for a customer to perform a transaction operation are provided.

  The control unit 106 includes a CPU 111 that controls each process, a RAM 112 that is a memory, a ROM 113 that stores a program for executing each process, and a communication unit 114 that transmits and receives data to and from the host and the center. It is.

  The magnetic card mechanism 107 is provided with a magnetic stripe read / write unit 115 for reading and writing MS data recorded on the magnetic stripe of the magnetic card, and an image reading unit 116 for optically reading the image of the inserted card. .

  The statement slip printing mechanism 108 is provided with a statement slip printing portion 117 for printing a transaction result or the like on the statement slip.

  The bankbook printing mechanism 109 issues a bankbook printing unit 118 for printing transaction information on the bankbook, a magnetic stripe read / write unit 119 for reading and writing MS data recorded on the magnetic stripe of the bankbook, and a new bankbook. A passbook issuing mechanism 120 for reading the image and a passbook image reading unit 121 for reading a spread passbook print image.

  The passbook image reading unit is provided with an image sensor for optical reading. Then, all images from the upper end to the lower end of the passbook spread page are read while the passbook is conveyed. The automatic transaction apparatus in FIG. 1 has a configuration including both a passbook image reading device and a card image reading unit, but is not limited thereto, and may be configured to include only one of them.

  The customer operation unit 110 is for displaying guidance, selection keys, advertisement guidance, and the like for the customer to operate at the time of the transaction, and the display unit is a touch panel. It is the structure which inputs information by touching. Note that the customer operation unit 110 can display a medium repair transaction key 122 in order to select the issue of a new medium to replace the medium that the customer has determined to be unable to repair or use the medium.

  The center 104 is responsible for media repair work required by an attendant from an automatic transaction apparatus at each branch office. The center 104 is provided with a medium repair monitoring device 105, which is operated by a staff member of the center to receive a medium repair request from the automatic transaction apparatus, investigate a media image, communicate with a host, and an automatic transaction apparatus. Media repair processing such as transmission of an appropriate processing instruction.

  The medium repair monitoring device 105 includes a display 124 for displaying a media image received from the automatic transaction device, information input by the center staff, a staff operating unit 125 for the staff to input information, and an automatic machine. A buzzer 126 for notifying staff members that a medium repair request has been received and a control unit 127 for controlling the overall operation are provided.

  The buzzer 127 promptly notifies the staff that the media repair request has been received from the automated transaction machine because the customer is operating the media repair processing locally and the center staff is required to perform immediate processing. Is for. Therefore, it is possible to substitute the display of the medium repair request reception noticeably on the display.

  FIG. 2 is a configuration diagram of a passbook printing mechanism of the automatic transaction apparatus.

  The passbook printing mechanism 109 includes a passbook port 201 for inserting and discharging the passbook, a conveyance path 202 for carrying the passbook by driving a plurality of rollers, a control unit 203 for controlling the overall operation of the passbook printing mechanism 109, An image read unit 204 for reading an image of a passbook barcode and the number of lines, a passbook MS read / write unit 205, a passbook image read unit 206 for reading a spread passbook print image, and information acquired by each part A passbook having a memory unit 207 for storing an image, a print head unit 208 for printing on a passbook, a page changing unit 209 for changing pages of a passbook, a passbook temporary saving path 210, and a hopper for storing a new passbook An issuing mechanism 211 is provided.

  The image read unit 204 is for optically reading the barcode provided on each page of the passbook and the presence / absence of printing of each line, and thereby acquires the passbook page number and the final print line number information. The image lead unit 204 can be realized by an image sensor using a CCD camera. Note that the acquisition of the final printed line number information or the detection of the unprinted position is not an essential part of the present invention, and thus the description thereof is omitted.

  The passbook image reading unit 206 reads a spread passbook print image, and can be realized by a line sensor in which CCD cameras are arranged on a line. It is possible to omit the image read unit 204 by making the passbook image read unit 206 also function as the image read unit 204.

  FIG. 3 is a configuration diagram of a card mechanism mounted on the automatic transaction apparatus 101.

  The card mechanism 107 includes a card slot 301 for inserting and ejecting a card, a transport path 302 for transporting the card, an MS detection unit 303 for detecting the presence / absence of an MS of the inserted card, and a magnetic card MS read / write. A unit 304, a card image read unit 305 for reading the entire card image, a control unit 306 for controlling the overall operation of the card mechanism 107, and a memory unit 307 for storing information and images acquired by each part. Is provided.

  FIG. 4 is a flowchart of the passbook repair transaction process of the automatic transaction apparatus.

  First, if a customer who makes a transaction on the automatic transaction device presses the media repair transaction key on the transaction selection screen, the process proceeds to passbook repair, and if another transaction key is pressed, the process proceeds to a normal transaction. Proceed (step 401).

  For the passbook inserted into the passbook printing mechanism 109 in the normal transaction from the passbook port 201 (step 402), the image read unit 204 checks the print line, the MS read / write unit 205 reads the passbook MS, A line to be printed in the passbook is set to the origin of the print head unit 208. (Step 403).

  If the processing up to the row set ends normally (step 404), normal transaction processing is performed. However, if a passbook MS read error or a print line mismatch error occurs, a message indicating that the passbook is defective and a medium repair transaction key are displayed on the customer operation unit 110 (step 405).

  If the customer presses the media repair transaction key, the process proceeds to passbook repair. If the media repair transaction key is not selected, the passbook is returned to the customer and returns to the customer waiting state (step 406). .

  Also, when the customer first selects the media repair transaction key on the transaction selection screen (step 401), the printed line check, MS lead, and line are executed for the inserted passbook (step 408) as in the normal process. Setting is performed (step 409).

  If the process up to the line set ends normally, or if an error other than an MS read error or a print line mismatch error occurs, the passbook cannot be repaired, so the passbook is returned to the customer. If a print line mismatch error has occurred, the process proceeds to passbook repair (step 410).

  When the customer selects the medium repair transaction key and proceeds to the passbook repair process, the passbook image read unit 206 reads the spread passbook print image and temporarily stores it in the memory unit 207 (step 407). In this process, all images are read by sequentially transferring the passbook from one side to the other under the passbook image read unit 206. However, to save time, the passbook is transferred again when the process proceeds to passbook repair. It is also possible to store the entire passbook image in the reading memory at the time of the first passbook insertion conveyance without reading the image, regardless of whether or not the medium repair process is performed.

  When the spread passbook print image is acquired, a passbook repair request, error contents, and passbook image information are transmitted to the center, and an instruction for an appropriate processing method is received from the center (step 411). If the instruction received from the center is MS write for bankbook MS error repair (step 412), the MS read / write unit 205 writes the corresponding MS information received from the center into the book MS (step 413).

  When the instruction received from the center is the passbook printing for correcting the print line mismatch (step 414), the transaction information (print information) is printed from the number of lines received from the center by the print head unit 208, and the magnetic stripe read / write is performed. The magnetic stripe data based on the printing result is written in the magnetic stripe from the portion 208 (step 415). If the instruction received from the center is the issue of a new passbook due to reasons such as the inability to repair the passbook, the processing proceeds to passbook issuance. If the instruction is a passbook return instruction, the passbook is returned to the customer (step 416).

  If the MS read error repair or print line mismatch error repair process is completed normally (step 417), the passbook that has been repaired is returned to the customer (step 419), and the process returns to the customer waiting state.

  Further, when the MS read error repair process or the print line mismatch error repair process is not completed normally (step 417), or when a passbook issuance instruction is received from the center (step 416), the passbook issuing mechanism 211 causes the new passbook to be issued. (Step 418), the new passbook and the old passbook which has been subjected to the transaction impossible process are returned to the customer (step 419).

  FIG. 5 is a flowchart of the center passbook repair transaction processing.

  First, when the passbook repair monitoring device 123 receives a passbook repair request from the automatic transaction device (step 501), it sounds a buzzer to notify the center staff that the passbook repair request has been received (step 502).

  As a result of judging the repair request received from the automatic transaction apparatus from the display on the display 124, the center staff displays the passbook print image of the spread spread received from the automatic transaction apparatus on the display when the print line mismatch error is repaired (step 503). Then, the cause of the error is clarified (step 504).

  The print mismatch error is an event in which the final number of printed lines detected from the check of whether or not each line of the passbook is printed by the image read unit 204 and the number of final printed lines recorded in the magnetic stripe until the previous transaction are inconsistent. As such, there are misprinting of the presence or absence of printing due to printing misalignment at the time of the previous transaction, printing fading or bankbook stains.

  Also, as a countermeasure against print mismatch error, it is necessary to specify the print start line such as the number of lines according to the MS information or the number of lines skipped several lines in consideration of print misalignment and banknote stains for the automatic transaction apparatus. .

  Therefore, if the countermeasure is possible as a result of the elucidation of the cause of the print line mismatch error (step 505), print permission, the number of print start lines, and passbook unprinted information obtainable from the host are transmitted to the automatic transaction apparatus (step 506). ).

  As a result of elucidating the cause of the print line mismatch error, if countermeasures are impossible (step 505), an instruction to issue a new passbook is transmitted to the automatic transaction apparatus (step 507).

  On the other hand, as a result of judging the repair request received from the automatic transaction apparatus from the display on the display 124, the center clerk determines that the MS lead error is repaired (step 508), the spread passbook print image received from the automatic transaction apparatus is displayed on the display 124. Necessary information such as a store number, an account number, and a final print balance displayed on the printed page of the passbook is visually obtained (step 509), and the information is input to the passbook repair monitoring device (step 510).

  Then, the passbook repair monitoring apparatus communicates with the host based on the input information (step 511), and judges the validity of the passbook by matching with the information stored in the ledger (step 512).

  If the passbook is valid as a result of the passbook validity check, the center clerk sends the MS write permission and the MS information that can be acquired from the host to the automatic transaction device by the passbook repair monitoring device (513). If is not valid, a passbook return instruction is transmitted (step 514).

  When the repair request received from the automatic transaction apparatus is judged from the display 124, if it is not a print mismatch error or MS lead error repair request, the center staff cannot handle the request. An instruction is transmitted to the automatic transaction apparatus (step 514).

  FIG. 6 is a flowchart of the magnetic card repair transaction process of the automatic transaction apparatus.

  First, when a customer who makes a transaction on the automatic transaction device presses the media repair transaction key on the transaction selection screen, the process proceeds to magnetic card repair, and when another transaction key is pressed, the transaction is processed as a normal transaction. (Step 601).

  The magnetic card MS is read by the magnetic card MS read / write unit 304 (step 603) with respect to the magnetic card inserted from the card slot 301 into the card mechanism 107 by the normal transaction (step 603), and the card image read unit 305 is read. Thus, the entire image of the magnetic card is read and temporarily stored in the memory unit 307 (step 604).

  If the process is normally completed (step 605), a normal transaction process is performed. However, when a magnetic card MS read error occurs, the customer operation unit 110 is displayed on the customer operation unit 110 that the magnetic card has a defect and the medium repair transaction key (step 606).

  If the customer presses the media repair transaction key, the process proceeds to magnetic card repair. If the media repair transaction key is not selected, the magnetic card is returned to the customer and returns to the customer waiting state (step) 607).

  When the customer first selects the medium repair transaction key on the transaction selection screen (step 601), the MS lead (609), magnetic card is inserted into the inserted magnetic card (step 608) as in the normal process. All images are read and temporarily stored in the memory unit 307 (step 610).

  If the process ends normally or an error other than an MS read error occurs, the magnetic card cannot be repaired. Therefore, the magnetic card is returned to the customer, and if an MS read error occurs, the magnetic card Processing proceeds to repair (step 611).

  When the customer selects the media repair transaction key and proceeds to repair the magnetic card, the customer is requested to insert a license (step 612), and the entire license image is read (step 613). This is an important medium that can handle cash, and in the case of magnetic card restoration, the customer who uses the magnetic card is visually confirmed with an identification card such as a driver's license whether it is the card holder or not. This is because it is desirable.

  Subsequently, the magnetic card repair request, the error content, and the entire image information of the magnetic card and the license are transmitted to the center, and an instruction for an appropriate processing method is received from the center (step 614).

  When the instruction received from the center is an MS write for magnetic card MS error recovery (step 615), the corresponding MS information received from the center is written into the magnetic card MS by the magnetic card MS read / write unit 304 (step 616). ).

  Then, the license is returned to the customer (step 617), the repaired magnetic card is returned, and the process is terminated (step 618).

  If the center instruction is not MS light (step 615), the customer is notified that the repair is impossible, and then the driver's license and magnetic card are returned (steps 617 and 618).

  FIG. 7 is a flowchart of the center magnetic card repair transaction process.

  First, when the passbook repair monitoring device 123 receives a passbook repair request from the automatic transaction device (step 701), it sounds a buzzer to notify the center staff of the receipt (step 702).

  As a result of judging the repair request received from the automatic transaction apparatus from the display on the display 124, the center clerk displays the entire magnetic card image received from the automatic transaction apparatus on the display 124 when MS read error is repaired (step 703). The store number and the account number are acquired from the emboss (step 704), and the information is input to the passbook repair monitoring device (step 705).

  Then, the passbook repair monitoring apparatus calculates a special code from the input store number, account number, etc. using a special calculation formula (step 706).

  Further, the validity of the magnetic card is determined by matching the store number, account number, special code, etc. with the information stored in the ledger (step 707).

  The host clerk compares the license received from the automatic transaction apparatus with the personal information acquired from the host to confirm the identity of the customer (step 708) and the validity of the magnetic card (step 709). The attendant transmits the MS write permission and the MS information that can be acquired from the host to the automatic transaction apparatus by the medium repair monitoring apparatus (step 710).

  If there is a problem in the identity verification of the customer (step 708) or the validity check of the magnetic card (step 709), a license and a magnetic card return instruction are transmitted to the automatic transaction apparatus (step 711).

  In addition, if the repair request received from the automatic transaction apparatus first is judged from the display 124 (step 703), if it is not a repair request for the magnetic card MS read error, it cannot be handled by this center. The license and the return instruction for the magnetic card are transmitted to the automatic transaction apparatus (step 711).

Based on the above description, the present invention has the following aspects.
(1) In an automatic transaction apparatus that conducts transactions using a customer's inserted medium, when a specific error relating to the medium occurs, an entire image of the corresponding medium or another medium for obtaining necessary information is acquired, and an error is notified and acquired. Sent to the center, and the center checks the validity of the corresponding media by matching the information sent from each automatic transaction device with the information stored in the host, or the error notification contents and the media image. Based on this, the cause of the error is clarified, and an appropriate response instruction is transmitted to the automatic transaction apparatus. The automatic transaction apparatus cooperates with the automatic transaction apparatus that repairs the medium or issues a new medium according to the instruction from the center.

  (2) In the system of (1), the medium to be repaired is, for example, a passbook, and when a certain error relating to the passbook occurs in an automatic transaction apparatus that performs transactions using the passbook, a spread passbook print image is displayed. Means to acquire, means to send a passbook repair request, error contents and passbook print image to the center, request a response method, and passbook repair to issue a passbook repair or issue a new passbook according to the instructions of the response method from the center to this request / A passbook issuing means is provided.

  (3) In the automatic transaction apparatus of (1), the necessary information acquired from the spread passbook print image is fixed information such as a store number or an account number, and variation information is final print balance information. In order to read the fixed information and the fluctuation information, a reading part of a spread passbook print image is provided.

  (4) In the automatic transaction apparatus of (1), the specific error relating to the bankbook is a magnetic stripe read error caused by magnetic stripe data destruction, magnetic stripe write error at the previous transaction, etc. When an error occurs, a passbook magnetic stripe repair request, a notification of a read error in the passbook magnetic stripe, and a spread passbook print image are sent to the center, and a passbook magnetic stripe repair request is made.

  (5) Further, the staff member of the center receiving the request for repairing the passbook magnetic stripe matches the necessary information acquired from the spread passbook print image received from the automatic transaction apparatus with the information stored in the host, thereby matching the passbook. The passbook magnetic stripe write permission and the passbook magnetic stripe information obtained from the host are transmitted to the automatic transaction apparatus.

  (6) In the automatic transaction apparatus according to (1), the passbook magnetic stripe repair means performs data for the passbook magnetic stripe in which an error has occurred based on the passbook magnetic stripe write permission and passbook magnetic stripe information received from the center. If the data is successfully written, the passbook is returned to the customer. If an error occurs in the data write, a new passbook is issued.

  (7) In the automatic transaction apparatus of (1), the specific error relating to the passbook is the number of the last printed line detected by the automatic transaction apparatus by checking whether or not each line of the passbook is printed and the previous transaction recorded in the passbook magnetic stripe. When the print line mismatch error occurs, the final print line number does not match, and when a print line mismatch error occurs, a print line mismatch repair request, a print line mismatch error notification, and a spread book passbook print image are sent to the center. Request repair of printed line mismatch.

  (8) In the center that communicates with the automatic transaction apparatus of (1), the center clerk who has received the repair request for the print line inconsistency of the passbook automatically detects, for example, an automatic print error from the spread passbook print image received from the automatic transaction apparatus. Elucidate the cause of the print line mismatch error such as the false detection of the last print line number of the transaction device, and send to the automatic transaction device the print permission and the number of print start lines appropriate for printing this time and the passbook unprinted information obtained from the host To do.

  (9) In the automatic transaction apparatus of (1), the means for repairing the print line mismatch in the passbook is based on the print permission received from the center, the number of print start lines appropriate for printing this time, and the passbook unprinted information. The magnetic stripe data based on the printing result is written into the passbook magnetic stripe.

  (10) In the automatic transaction apparatus according to (1), the medium to be repaired is, for example, a magnetic card. In an automatic transaction apparatus that performs a transaction using a magnetic card, when a certain error relating to the magnetic card occurs, the magnetic card Means for acquiring the entire image, means for sending a magnetic card repair request and error content and the obtained magnetic card image to the center, requesting a response method, and repairing the magnetic card in accordance with instructions from the center for the request. Magnetic card repairing means is provided.

  (11) In the automatic transaction apparatus of (1), the specific error relating to the magnetic card is a magnetic stripe read error that occurs due to magnetic stripe data destruction, magnetic stripe write deviation at the previous transaction, etc. When a read error occurs, a card magnetic stripe repair request, a notification of the card magnetic stripe read error, and an entire image of the magnetic card are transmitted to the center, and a card magnetic stripe repair request is made.

  (12) In the automatic transaction apparatus of (1), the necessary information acquired from the entire card image is a store number or account number stamped on the card emboss, and is calculated from a special calculation formula from the store number or account number. In order to acquire such information, the special code is provided with a reading unit for the entire magnetic card image.

  (13) The automatic transaction apparatus according to (1) includes a reading unit for an entire image of a card medium that can identify a customer such as a driver's license in order to confirm the identity of the customer who inserted the magnetic card.

  (14) The center in communication with the automatic transaction apparatus according to (1), wherein a staff member of the center receiving the card magnetic stripe repair request is obtained from the entire magnetic card image received from the automatic transaction apparatus. The validity of the corresponding passbook is confirmed by matching the necessary information with the information stored in the host, and the identity of the customer is confirmed from the information of claim 13, and the card magnetic stripe write permission and the card magnetic obtained from the host are confirmed. Send the stripe information to the automatic transaction device.

  (15) In the automatic transaction apparatus according to claim 1, the card magnetic stripe repairing means performs data on the card magnetic stripe in which an error has occurred based on the card magnetic stripe write permission and card magnetic stripe information received from the center. The repair process is performed by rewriting the card, and the card is returned to the customer.

  (15) The automatic transaction apparatus according to (1), wherein a specific error relating to the inserted medium occurs during transaction in the apparatus, or the repair of the medium that the customer could not handle with another apparatus is performed. When the transaction device is used, a media repair transaction key is provided for allowing the customer to select media repair or issue of new media.

  (17) In the automatic transaction apparatus according to (1), when the entire medium image is read, the entire medium image is read and stored in the memory during the first medium insertion regardless of whether or not the medium repair process is performed.

  (18) Means for receiving a medium repair request from the automatic transaction apparatus, means for displaying the received error content and medium image, means for inputting necessary information by the center clerk, and validity of the medium from the information input by the center clerk Means for calculating the special code for confirming the property, means for communicating with the host, means for checking the validity of the medium by matching the information entered by the center staff and the calculated special code with the host information, and automatic A medium repair monitoring apparatus comprising: means for transmitting a corresponding method instruction to a transaction apparatus.

  (19) The media repair monitoring device of (18) is installed, and the center staff operates the media repair monitoring device to receive media repair requests, display media images, input information, host communication, send response instructions, etc. Center to perform.

  (20) The media repair monitoring device installed at the center in (19) notifies the center staff that the media repair request has been received from the automatic transaction apparatus with a buzzer, and the center staff issues a media repair request from the automatic transaction apparatus. If received, media repair work has priority over other tasks, and if media repair work cannot be prioritized, the current media repair transaction unacceptable information is sent to the automatic transaction device, and the automatic transaction device returns the passbook to the customer. .

  As described above, in the present invention, the passbook printing mechanism and the card of the automatic transaction apparatus can be obtained even in a remote center so that the printing information of the passbook and the information such as the printing status or the embossing of the magnetic card can be acquired. An image reading unit is mounted on the mechanism, and an image of the medium is transmitted to the center. If the error is an MS read error in the passbook, the center staff will obtain the necessary information from the received passbook print image, check the validity of the passbook by querying the host, and if there is no problem, the MS write permission and MS data Is sent to the automatic transaction apparatus.

  When the error is a bankbook print line mismatch error, the center staff member elucidates the cause of the error from the received bankbook print image and transmits an appropriate response instruction to the automatic transaction apparatus. If the error is an MS read error of the magnetic card, the center staff will obtain the necessary information from the received whole card image, check the validity of the card by querying the host, and the customer will be able to check the received license image. If there is no problem, MS writing permission and MS data are transmitted to the automatic transaction apparatus.

  In order to minimize the waiting time of the customer who is operating the automatic transaction device to perform the media repair, the center's media repair monitoring device notifies the center staff by sounding a buzzer when receiving a repair request from the automatic transaction device. The center staff gives priority to the media repair process in the task. When the repair medium is a passbook, the automatic transaction device that receives the processing instruction from the center repairs the passbook according to the instruction, returns the passbook to the customer, and issues a new passbook if the passbook cannot be repaired normally. In the end, the customer can obtain a normal passbook.

  When the repair medium is a magnetic card, the automatic transaction apparatus that has received the processing instruction from the center repairs the magnetic card in accordance with the instruction and returns the magnetic card to the customer. The present invention has the following effects.

  According to the present invention, it is necessary for a customer to bring a medium that cannot be handled by an automatic transaction apparatus to the counter, and the counter has fewer business days and hours than the operation time of the automatic transaction apparatus. However, according to the present invention, the customer can repair the medium or issue a new medium without worrying about the business day and business hours of the window.

  By providing a center that handles media repair processing at one hand, it is possible to save labor at each sales office counter, and it is possible to improve services to end users by reducing the factor of counter congestion. The entire image is sent to the reading center by the automatic transaction device, and the necessary information such as the store number, account number, final print balance information, etc. from the passbook print image received by the center staff, or the store number, account number, etc. from the emboss of the magnetic card It is possible to acquire information more accurately by performing the visual check.

  Previously, it was necessary to bring a passbook with a print mismatch error to the counter. However, the customer can restore the passbook on the spot by acquiring the spread passbook print image at the center and making it possible to determine the cause visually. can do. The media repair monitoring device installed at the center notifies the center staff with a buzzer that the media repair request has been received from the automatic transaction apparatus. When the center staff receives a media repair request from the automatic transaction apparatus, If media repair work is prioritized over tasks and media repair work cannot be prioritized, information on unacceptability of the current media repair transaction is sent to the automatic transaction device, and the automatic transaction device returns the bankbook to the customer, and the automatic transaction device The waiting time of the customer who is operating can be minimized.

  When an automatic transaction device that has received a processing instruction from the center repairs the bankbook according to the instruction, if the bankbook cannot be repaired normally, a new bankbook is issued, or the bankbook cannot be repaired. If the center issues a new passbook issuance instruction from the center, the customer can finally obtain a normal passbook without bringing the passbook to the counter.

  When checking the validity of a passbook with an MS error, the information required to match the information stored in the host is printed at the first use of each page during transactions using the passbook. As a result, the center clerk can obtain from the spread passbook image obtained by the automatic transaction apparatus, so that the customer can repair the passbook without having another medium such as a magnetic card.

It is a passbook restoration system figure which is an embodiment of the present invention. It is a sectional block diagram of a passbook printing mechanism to which the present invention is applied. It is a processing flowchart of the passbook repair of the automatic transaction apparatus which shows one Example of this invention. It is a processing flowchart of the passbook repair of the center which shows one Example of this invention. FIG. 5 is a flowchart of the center passbook repair transaction processing. FIG. 6 is a flowchart of the magnetic card repair transaction process of the automatic transaction apparatus. FIG. 7 is a flowchart of the center magnetic card repair transaction process.

Explanation of symbols

DESCRIPTION OF SYMBOLS 101 ... Automatic transaction apparatus, 102 ... Host, 103 ... Network, 104 ... Ledger, 105 ... Center, 106 ... Control part, 107 ... Card mechanism, 108 ... Statement slip printing mechanism, 109 ... Passbook printing mechanism, 110 ... Customer operation part, 111 ... CPU, 112 ... RAM, 113 ... ROM, 114 ... Communication part, 115 ... Magnetic stripe read / write unit, 116 ... card image reading unit, 117 ... statement slip printing unit, 118 ... passbook printing unit, 119 ... magnetic stripe read / write unit, 120 ... passbook issuing mechanism, 121 ... Passbook image reading unit, 122 ... Passbook repair transaction key, 123 ... Passbook repair monitoring device, 124 ... Display, 125 ... Personnel operation unit, 126 ... -127 ... control unit, 128 ... CPU, 129 ... ROM, 130 ... RAM, 131 ... communication unit, 201 ... passbook port, 202 ... conveyance path, 203 ..Control unit 204... Image read unit 205. Passbook MS read / write unit 206. Passbook image read unit 207. Memory unit 208 .. Print head unit 209. -Page change part, 210 ... Passbook temporary evacuation path, 211 ... Passbook issue mechanism, 301 ... Card opening, 302 ... Transport path, 303 ... MS detection part, 304 ... Magnetic card MS read / write unit, 305... Card image read unit, 306... Control unit, 307.

Claims (3)

A passbook printing section for printing on the passbook;
A magnetic reading unit for reading the magnetic data of the bankbook;
An image reader that captures the image of the passbook;
A passbook including image information of the passbook when the final printed line number detected from the passbook print presence / absence check by the image reading unit and the final printed line number read by the magnetic reading unit up to the previous transaction do not match A transmission unit for transmitting a repair request to the monitoring device;
An automatic transaction apparatus comprising: a control unit configured to print a passbook by the passbook printing unit when the print instruction including the print start line number is received from the monitoring device. The automatic transaction apparatus according to claim 1,
An automatic transaction apparatus comprising a bankbook issuing unit that issues a new bankbook when receiving a new bankbook issuing instruction from the monitoring apparatus. A transaction system comprising an automatic transaction device and a monitoring device,
The automatic transaction apparatus is
A passbook printing section for printing on the passbook;
A magnetic reading unit for reading the magnetic data of the bankbook;
An image reader that captures the image of the passbook;
A passbook including image information of the passbook when the final printed line number detected from the passbook print presence / absence check by the image reading unit and the final printed line number read by the magnetic reading unit up to the previous transaction do not match A transmission unit for transmitting a repair request to the monitoring device;
When receiving a print instruction including the number of print start lines from the monitoring device, a control unit for printing on the passbook by the passbook print unit from the number of print start lines;
Have
The monitoring device
Upon receiving a passbook repair request including the passbook image information from the automatic transaction apparatus, a display unit that displays the passbook image information;
A clerk operation unit that receives an input of a print instruction including the number of print start lines from the clerk;
A control unit for transmitting a print instruction including the number of print start lines received by the staff operation unit;
The transaction system characterized by having.

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