JP2000099803A - Automatic transaction machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction machine which enables bankbook issuing and bankbook writing without rotating the bankbook inside or inserting the bankbook again even for the bankbook with a bidirectional magnetic stripe. SOLUTION: In this automatic transaction machine which automatically performs cash receiving/paying transaction by inserting a card or a bankbook and performing specified operation through a user and issues the bankbook as necessary, plural magnetic head parts 59 and 60 which correspond to each magnetic strip of a bankbook with a bidirectional magnetic stripe and performs reading and writing of each information are provided and at the same time, plural line find parts 62 and 63 which correspond to a page mark provided for each item printing surface and reads information such as each page mark and printed line are provided. Simultaneous processing is performed by these plural magnetic head parts 59 and 60 and the line find parts 62 and 63.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to, for example,
Automatic deposit and withdrawal machine that can automatically perform cash deposit / withdrawal transactions by inserting a transaction medium such as a bankbook or passbook, and issue a passbook as needed. To an automatic transaction device.

[0002]

2. Description of the Related Art Recently, for example, a financial institution such as a bank accepts a card or passbook provided by a user, and performs a predetermined operation so that the user can perform online operation with a host device (host computer) as a deposit ledger. An automatic transaction device (so-called ATM) such as an automatic teller machine that communicates and automatically pays cash corresponding to a payment amount requested by a user or automatically receives cash provided by a user. It is rapidly developing as an automated device for bank counters, and has been introduced to various financial institutions to provide quick services to users.

[0003]

[0005] Recently, a passbook (deposit passbook) issued by a financial institution such as a bank is mainly a general account passbook in which a plurality of subjects are combined into one book, but a subject (regular deposit) is used. , Time deposits, etc.) there is a bidirectional magnetic stripe passbook provided with a magnetic stripe as an information recording unit. However, when a new passbook is issued, or when it is necessary to enter multiple passbooks, such as in a passbook transaction, the passbook must be returned to the user and re-inserted in a processable direction. Or ask the 18
It was necessary to perform the processing after rotating by 0 degrees.

Accordingly, the present invention provides an automatic transaction apparatus which enables a passbook to be issued and a passbook to be recorded in a passbook with a two-way information recording section without rotating the passbook internally or reinserting the passbook. The purpose is to do.

[0005]

An automatic transaction apparatus according to the present invention has a plurality of accounts and a plurality of information recording sections respectively corresponding to the plurality of accounts are provided at a plurality of different positions on a cover. Receiving the passbook with the two-way information recording unit, reads the information recorded in the information recording unit from the information recording unit, selectively performs the transaction of a plurality of subjects by the read information and the operation of the user, and according to the transaction result. The corresponding predetermined information is recorded on the information recording unit and printed on the printing surface of the passbook, and, if necessary,
Automatically issuing a bidirectional information storage passbook to a user having multiple accounts and having a plurality of information recording units respectively corresponding to the plurality of subjects provided at a plurality of different positions on the cover. A transaction device, a transporting means for transporting the accepted passbook and the passbook to be issued, and provided corresponding to each information recording unit of the passbook transported by the transporting means, for each information recording unit A plurality of information reading / recording means for respectively reading / recording information, and a processing means for performing simultaneous processing by the plurality of information reading / recording means.

Further, the automatic transaction apparatus of the present invention has bidirectional information in which a plurality of accounts are provided and a plurality of information recording sections respectively corresponding to the plurality of subjects are provided at a plurality of different positions on the cover. A passbook with a recording unit is accepted, information recorded in the information recording unit is read from the information recording unit, and communication with a host device is performed based on the read information and a user's operation, thereby selectively performing a plurality of transactions. An automatic transaction device that records predetermined information corresponding to the transaction result in the information recording unit and prints the information on a print surface of the passbook, and has an account of a plurality of accounts,
And a passbook storage unit in which a plurality of types of unpublished bidirectional information storage unit passbooks in which a plurality of information recording units respectively corresponding to the plurality of subjects are provided at a plurality of different positions on the cover are stored; At the time of a transaction using a passbook, a detecting means for detecting that passbook carryover has occurred, and when the detecting means detects that passbook carryover has occurred, the type of the passbook stored in the passbook storage means is changed to the host device. Notification means for notifying to the notification means, reception means for receiving the type of passbook that can be issued transmitted from the host device in response to the notification by the notification means, and a passbook corresponding to the type of passbook received by the reception means A take-out means for selectively taking out and carrying from the passbook storage means, and a corresponding one of the information recording sections of the passbook taken out and carried by the take-out means, respectively, And comprising a plurality of information reading / recording means for information read / write, respectively, and processing means to perform simultaneous processing by the plurality of information reading / recording means relative to each information recording section.

Further, the automatic transaction apparatus of the present invention has bidirectional information in which a plurality of accounts are provided, and a plurality of information recording sections respectively corresponding to the plurality of subjects are provided at a plurality of different positions on the cover. A passbook with a recording unit is accepted, information recorded in the information recording unit is read from the information recording unit, and transactions of a plurality of subjects are selectively performed by the read information and a user's operation. An automatic transaction apparatus that records information on the information recording unit and prints the information on a printing surface of the passbook, and has a plurality of accounts, and a plurality of information records respectively corresponding to the plurality of accounts. Passbook storage means in which a plurality of types of unpublished bidirectional information storage passbooks, each of which is provided at a plurality of different positions on the cover, are stored, and when carrying out a transaction using the passbook, the passbook is carried forward. Detecting means for detecting the occurrence of the passbook, and when the detecting means detects that the passbook has been carried over, the type of the passbook stored in the passbook storing means is displayed to the user, and the type of the passbook to be issued. A passbook corresponding to the selected type is selected from the passbook storage means, and is conveyed. A plurality of information reading / recording units provided corresponding to the information recording units of the passbook taken out and conveyed by the extracting unit, respectively, and reading / recording information from / to each of the information recording units; Means and processing means for performing simultaneous processing by the plurality of information reading / recording means.

According to the present invention, a plurality of information reading / recording means for reading / recording information from / to each of the information recording sections is provided corresponding to each of the information recording sections of the passbook with the bidirectional information recording section. By enabling simultaneous processing by the plurality of information reading / recording means, it is possible to internally rotate the passbook or re-insert the passbook even for a two-way information recording unit passbook having a plurality of accounts. In addition, passbook issuance and passbook entry can be performed.

[0009]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 shows an example of a bidirectional magnetic stripe passbook having a plurality of accounts according to the present invention. The passbook P has accounts of a plurality of accounts, in this example, for example, an account of an ordinary deposit (referred to as a first subject) and an account of a time deposit or a savings deposit (referred to as a second subject). Open the arrow a or b
Insert in the direction of.

[0010] That is, the passbook P is composed of the first subject and the second subject.
A first subject print surface 1 and a second subject print surface 2 of a plurality of pages are provided for each subject. The first subject print surface 1 has a first page on the front cover 3 side, and the second subject print surface 2 has a first page on the back cover 4 side. First
On the subject printing surface 1, a first subject page mark 5 is provided, and on the second subject printing surface 2, a second subject page mark 6 is provided. At one end (left end in the drawing) of the back cover 4, a first subject magnetic stripe (information recording unit) 7 is provided in parallel with the passbook insertion directions a and b, and the other end of the cover 3 (in the drawing). (Right end), a second subject magnetic stripe (information recording unit) 8 is provided in parallel with the passbook insertion directions a and b.

For example, an image 9 of a currently popular character is printed on a predetermined portion of the back cover 4. Thus, when making a transaction with the account of the first account (ordinary deposit), open the printing surface 1 for the first account and insert it into the passbook opening 18 described later in the direction of the arrow a in the figure, and At the time of transaction with the account, the second subject print surface 2 is opened and inserted into a passbook opening 18 described later in the direction of arrow a in the drawing.

FIG. 2 shows an external view of an automatic transaction apparatus (for example, an automatic teller machine) according to the present invention. In FIG. 2, a substantially L-shaped operation unit 12 is formed on a front surface of the housing 11. The horizontal plane 12a of the operation unit 12 is provided with a bill slot 13 that allows a large number of bills (currencies) to be deposited, transferred, and transferred, and that discharges bills and change bills to be paid to the user. The bill slot 13 is provided with an openable and closable door 14.

A color CRT display unit 15 with a touch panel is provided on a horizontal surface 12a of the operation unit 12. The CRT display unit 15 displays operation procedures and other information on the CRT screen in the form of illustrations, characters, or words to guide the user, and displays the personal identification number, the amount of money, the account number, approval and confirmation of the transaction. Alternatively, when the user touches a touch panel (not shown) corresponding to a display portion corresponding to cancellation or the like, the touch panel detects the touch and outputs a corresponding signal to a main control unit 32 described later, that is, a so-called key operation is performed. It is what is done.

That is, for example, a message "Please press a password" is displayed, and a numeric keypad for inputting a password is displayed. The content and display are changed every time the operation of the machine or the state of the step changes.

On the other hand, a card slot 16 for inserting a magnetic card as a transaction medium on which account information is recorded, a receipt issuing port 17 for discharging a receipt on which transaction details are printed, and another A passbook opening 18 for inserting the passbook P shown in FIG. 1 as one transaction medium,
A coin slot 19 for inserting coins and receiving change coins, a staff reset key 20 operated by a staff, and the like are provided.

At the lower part of the front of the housing 11, a customer (user)
Detection unit 21 for detecting that the user is in front of the operation unit 12
Is provided. As the customer detection unit 21, for example, an infrared sensor or an ultrasonic sensor is used.

FIG. 3 schematically shows the overall structure of the above-described automatic transaction apparatus.
0, the customer detecting unit 21, a card reader / receipt printer unit 22, a passbook printer unit 23 having a passbook issuing function, a bill receiving / dispensing unit 24, a coin receiving / dispensing unit 25, a customer service unit 26, a voice guidance unit 27, and an internal monitor 28 , Storage unit 29, floppy disk device 3
0, a transmission control unit 31, a main control unit 32, and a power supply unit 33 for supplying operation power thereto.

The card reader / receipt printer unit 22 reads data from a magnetic card received from the card slot 16 or a magnetic stripe of a transfer ticket. In addition, we issue a receipt printed with the details of the transaction,
The paper is discharged from the receipt issuing port 17.

The passbook printer unit 23 reads or writes data from / to the magnetic stripes 7 and 8 of the passbook P received from the passbook port 18 and also reads the data from the passbook P.
The transaction content is printed, or a new passbook P is issued as required and discharged from the passbook port 18.

The bill receiving / dispensing unit 24 is provided with the bill opening 1
In addition to accepting, discriminating, counting, and storing the banknotes that have been collectively inserted into the banknote 3, the banknotes are taken out of a predetermined number of banknotes that have been stored in a safe in advance and collectively dispensed from the banknote slot 13 as necessary.

The coin depositing and dispensing unit 25 is provided in the coin slot 1.
In addition to receiving, discriminating, counting, and storing coins that have been collectively inserted into the coin 9, a predetermined number of coins previously stored in the safe are taken out and paid out from the coin slot 19 all at once.

The customer service unit 26 includes the CRT display unit 1
5 and the like, and displays various operation screens under the control of the main control unit 32 and accepts key operations by the user.

The voice guidance unit 27 provides guidance for guiding a user's operation by voice from a speaker (not shown). The internal monitor 28 notifies a person in charge of the operation of the present apparatus of the state of the present apparatus, and performs input of an operation instruction by the person in charge.

The storage unit 29 is used to store various data, and stores a program of a processing procedure related to the operation of the apparatus, records various information and transactions to be provided for transactions, records the operation status of the apparatus, and the like. Do.

The floppy disk device 30 stores various information of the financial institution necessary for the transfer transaction, for example, a data file in which bank names (and in some cases, branch names) as financial institution names are stored in the order of the Japanese syllabary. ing.

The transmission control section 31 is connected online via a communication line to a host computer (host device) 34 serving as a deposit ledger of the center, and communicates with the host computer 34 as necessary. .

The main control unit 32 controls the units 22, 24 to 28, the passbook printer unit 23, the floppy disk device 30, and the transmission control unit 31 while referring to the program information in the storage unit 29. Perform various transaction operations such as deposit, withdrawal or transfer.

Further, a remote monitor 35 is connected to the main control unit 32 as necessary, so that monitoring can be performed from a distant place. The remote monitor 35 is controlled by the main control unit 32 and displays substantially the same information as the internal monitor 28. When an abnormality occurs in the apparatus, the remote monitor 35 notifies the remote monitor 35 together with a sounding means such as a buzzer. ing.

The power supply unit 33 normally converts an input commercial AC voltage into a DC voltage and supplies it to each unit as an operation power supply. In addition, the power supply unit 33 includes a battery (not shown) for supplying operation power instead of the commercial AC voltage when a power failure occurs, and is charged as necessary by a charging circuit (not shown). It has become.

FIG. 4 schematically shows the configuration of the passbook printer unit 23. This passbook printer unit 23
It is broadly divided into a first-stage transport unit, a printing unit, and a second-stage transport unit. That is, behind the passbook opening 18, a take-up roller 41 is provided as a take-in means for taking the passbook inserted from the passbook opening 18 into the inside.
A transport path 42 is provided as transport means for transporting the passbook taken in by 1 or transporting the passbook to be issued. A shutter 43 is provided between the passbook slot 18 and the take-in roller 41 to prevent insertion of the passbook as required.

The first, second, third and fourth passbook issuing units 44 and 4 are sequentially provided on the transport path 42 from the take-in roller 41 side.
5, 46, 47 are provided. These first, second,
The third and fourth passbook issuing units 44, 45, 46, and 47 respectively include different types of unissued passbooks P1, P2, and P
Storages 48, 49, 50, 51 as storage means for storing P3, P4 in a vertically stacked state,
The passbooks P1, P in each of the storages 48, 49, 50, 51 are provided below the storages 48, 49, 50, 51.
2, take-out devices 52, 53, 54, 55 as take-out means for taking out P2, P3, and P4 one by one.

Here, the passbook P1 is, for example, a passbook as shown in FIG. 1 using a character A as a character image 9 in which a general account and a time deposit are set as a general account. The passbook P2 is, for example, a passbook as shown in FIG. 1 using a character B as a character image 9 in which a set of ordinary accounts and time deposits of a general account is set. The passbook P3 is, for example, a passbook as shown in FIG. 1 in which a general account and a savings deposit of a general account are set and a character A is used as the character image 9. The passbook P4 is, for example, a passbook as shown in FIG. 1 in which a general account and a savings deposit of a general account are set and a character B is used as the character image 9.

The fourth passbook issuing section 47 can be switched to a single ticket issuing section by a passbook / single sheet switching section 56 as necessary. In the lower part of each of the storages 49, 50, 51 of the second, third, and fourth passbook issuing units 45, 46, 47, the passbook is temporarily evacuated when performing single-sheet printing while using the passbook. And a collection box 58 for storing passbooks or cut sheets that the user has left behind.

In the lower part of the storage box 48 of the first passbook issuing unit 44, information for reading and writing (recording) information on the magnetic stripes 7 and 8 of the passbook P to be processed is provided in the transport path 42. Magnetic head portions 59 and 60 (only one is shown) are provided as reading / recording means. The magnetic heads 59 and 60 are installed in a direction orthogonal to the passbook transport direction in correspondence with the magnetic stripes 7 and 8 of the passbook P, respectively. That is, the magnetic head unit 59 on the back side with respect to the drawing is a first-case magnetic head unit that reads and writes information on the first-case magnetic stripe 7 of the passbook P, and is a magnetic head unit on the front side with respect to the drawing. The magnetic head unit 60 is a second-subject magnetic head unit that reads and writes information from and to the second-subject magnetic stripe 8 of the passbook P.

The first passbook issuing section 44 is provided on the transport path 42 between the first passbook issuing section 44 and the second passbook issuing section 45.
From the side, an auto-turn page section 61 for automatically turning the page of the passbook, line finding sections 62 and 63 (reading means for optically reading information such as page marks 5 and 6 and a printed line of the passbook P to be processed). Only one is shown), and a printing unit 64 is provided as printing means for printing information on the printing surface of a passbook and a cut sheet. The printing unit 64 includes a platen 6
5 is provided.

The line find portions 62 and 63 are provided in the direction orthogonal to the passbook transport direction in correspondence with the page marks 5 and 6 of the passbook P, respectively. That is, the line finder 62 on the back side of the drawing is a line finder for the first subject provided corresponding to the page mark 5 for the first subject of the passbook P, and the line finder on the front side with respect to the drawing. Reference numeral 63 denotes a second subject line finding portion provided corresponding to the second subject page mark 6 of the passbook P.

In addition to the above, the alignment section 66 for aligning a passbook or a cut sheet and a plurality of gate sections 67 for switching the transfer direction of a passbook or a cut sheet are provided on the transfer path 4.
2 are provided.

Here, the processing operation of the passbook printer unit 23 configured as described above will be briefly described. First, normal passbook printing will be described. When the user inserts the passbook P into the passbook slot 18 and detects it by a sensor (not shown), the take-in roller 41 operates to take the inserted passbook P inside and send it to the transport path 42. Transport path 42
Transports the passbook P and guides it to the printing unit 64.

At this time, the magnetic heads 59, 60
Of the magnetic stripes 7, 8 of the bankbook P, and the line find portions 62, 63 read information such as the page marks 5, 6 and the printed line of the passbook P. That is, the passbook P is conveyed to the printing unit 64 after being adjusted to the next printing start position based on these reading results, and the transaction result and the like are printed.

When printing is completed, the passbook P is operated in the reverse direction, so that the passbook P is again read by the line find units 62 and 63,
The number of printed lines is checked, etc., and if necessary, information is written to the magnetic stripes 7, 8 by the magnetic heads 59, 60, guided to the passbook port 18, and returned to the user. Is done.

Next, passbook issuance will be described. For example, in a transaction using a passbook, passbook carryover occurs,
When a passbook issuance command and a type of passbook to be issued are given, a passbook issuing unit in which a passbook corresponding to the specified type is set among the first to fourth passbook issuing units 44 to 47 operates, and the extracting device As a result, one passbook is taken out from the storage.

The picked-up passbook is transported on the transport path 42 and guided to the printing unit 64. In the printing unit 64, predetermined items are printed on the cover of the passbook, and carryover printing is performed on the printing surface. When the printing by the printing unit 64 is completed, the passbook is transferred to the passport 1 via the transport path 42.
8 is sent to the user. At this time, when the passbook passes through the magnetic head portions 59 and 60, predetermined information is written to the magnetic stripes 7 and 8.

Next, the operation in such a configuration will be described with reference to the flowcharts shown in FIGS. The operation described below is mainly performed by control of the main control unit 32.

First, in step S1, a transaction item is selected by the user. Here, transactions that do not require a passbook,
For example, when a withdrawal (payment) transaction without using a passbook is selected, the process proceeds to step S2, and a withdrawal transaction with a well-known card without using a passbook is performed.

In step S1, if a transaction requiring a passbook, for example, a deposit (ordinary deposit) transaction using the passbook is selected, the process proceeds to step S3, where the user sets the passbook P to the first subject printing surface 1 Is opened and inserted into the passbook slot 18 in the direction of the arrow a in the drawing, the take-in roller 41 operates to take the inserted passbook P inside, and the process proceeds to step S4.

In step S 4, the passbook P is transported on the transport path 42 and guided to the printing unit 64. At this time, the first-subject magnetic head unit 59 reads the first-subject magnetic stripe 7 and the first-subject line find unit 62 reads information such as the page mark 5 and the printed line. Then, the process proceeds to step S5.

In step S5, it is checked whether or not the second-subject magnetic stripe 8 exists based on the output of the second-subject magnetic head unit 60.
Exists, it is determined that the passbook P is a passbook with a bidirectional magnetic stripe, and the process proceeds to step S6. In step S6, the second-subject magnetic stripe 8 is read by the second-subject magnetic head unit 60, and the process proceeds to step S7.

In step S7, since the reading of the magnetic stripe 8 for the second subject by the magnetic head unit 60 for the second subject is performed in a direction opposite to that of the first subject, the output of the magnetic head unit 60 for the second subject is output. Is made the same as the output of the first subject magnetic head unit 59 by passing through an inversion circuit (not shown), and the process proceeds to step S8.

In step S5, if the second subject magnetic stripe 8 does not exist, it is determined that the passbook P is a passbook with a one-way magnetic stripe, and steps S6 and S7 are jumped to proceed to step S8. In step S8, a payment transaction using a known passbook is performed.

When the deposit transaction is completed, the process proceeds to step S9. In step S9, it is checked whether or not there is bookkeeping information of the first subject (ordinary deposit). In step S10, it is checked whether or not there is a print space on the first subject print surface 1 of the passbook P. If there is a print space, the process proceeds to step S11. In step S11, the printing unit 64 causes the printing surface 1 for the first subject to be printed.
Is printed, and the process returns to step S9 to repeat the same operation as described above.

In step S10, if there is no print space, the process proceeds to step S12. In step S12,
It is checked whether there is a next page. If there is a next page, the process proceeds to step S13. In step S13, a page break is performed by the auto turn page unit 60, and the process proceeds to step S11.
The same operation as above is repeated.

In step S9, if there is no entry information of the first subject, the process proceeds to step S14. Step S1
In step 4, it is checked whether or not there is book information of the second subject (time deposit). If there is no book information, the process proceeds to step S15, the passbook P is returned to the user, and the process ends.

If it is determined in step S14 that there is entry information for the second subject, the process proceeds to step S16. Step S
In step 16, the passbook P is turned by the auto-turn page section 60 to open the second-subject print surface 2, and it is checked whether there is a print space there. If there is a print space, the process proceeds to step S17. In step S17, the printing unit 64 performs reverse printing from the opposite direction by passing the second entry information at this time through a character inversion circuit (not shown).

That is, since the printing unit 64 has one print head, printing for the second subject is reverse printing from the reverse direction. Therefore, the entry information of the second subject is inverted by passing through the character inversion circuit. When printing is completed, the process returns to step S14, and the same operation as above is repeated.

In step S16, if there is no print space, the process proceeds to step S18. In step S18,
It is checked whether there is a next page. If there is a next page, the process proceeds to step S19. In step S19, a page break is performed by the auto turn page unit 60, and the process proceeds to step S17.
The same operation as above is repeated.

In step S12 or S18,
If there is no next page, the process proceeds to step S20. Step S20
Then, it is detected that the passbook has been carried over, and step S
Proceed to 21. In step S21, it is checked whether or not passbooks can be issued based on whether or not passbooks P1 to P4 are set in the storages 48 to 51 of the first to fourth passbook issuing units 44 to 47. If P4 has not been set, it is determined that passbook issuance is impossible, and the process proceeds to step S22, in which the old passbook P that has been carried over to the passbook is returned to the user.
The process ends.

In step S21, passbooks P1 to P4
Is set, it is determined that a passbook can be issued, and the process proceeds to step S23. In step S23, it is checked whether or not a passbook of the same type as the passbook carried over to the passbook is set in the storages 48 to 51 of the first to fourth passbook issuing units 44 to 47. Then, it is determined that passbook issuance is impossible, and the process proceeds to step S22, and the same operation as above is repeated.

In step S23, if a passbook of the same type as the passbook carried over to the passbook is set, the process proceeds to step S24. In step S24, by communicating with the host computer 34, the types of passbooks that can be selected (in this case, the passbook carried over to the passbook is a set of ordinary deposits and time deposits;
P2 can be selected) and a passbook carryover request is transmitted to the host computer 34.
Receives the write information on the magnetic stripe and the print information on the print surface corresponding to the first and second subjects of the passbook, which are transmitted as the passbook-issuing permission message from step S25.
Proceed to.

In step S25, the user is notified of CR
The type of passbook that can be selected by the T display unit 15 (in this case,
(Passbooks P1 and P2 can be selected as described above.) Is displayed, the fact that the passbook has been carried over is reported, and guidance is given to select the type of passbook to be issued. Here, when the type of passbook is selected by the user using the CRT display unit 15, the process proceeds to step S26.

In step S26, one of the first to fourth passbook issuing units 44 to 47, in which a passbook corresponding to the designated type is set, operates, and the take-out device causes one passbook to be stored in the storage. The passbook is taken out. For example, passbook P
If one type is selected, the first passbook issuing unit 44 in which the passbook P1 is set operates, and the takeout device 52 takes out one passbook P1 from the storage 48. The picked-up passbook P1 is transported along the transport path 42 and
It is led to 4.

Next, in step S27, first, an account number, a user's name, and the like are printed on the front cover 3 of the passbook P1 by the printing unit 64, and the process proceeds to step S28. In step S28, the writing preparation for the first subject magnetic stripe 7 is performed, and the process proceeds to step S29. In step S29, it is checked whether or not the write information received from the host computer 34 includes the write information of the second subject.
If there is writing information on the subject, the process proceeds to step S30.

In step S30, the write information of the second subject is passed through an inverting circuit (not shown), and then temporarily stored together with the write information of the first subject, and the flow advances to step S31. In step S29, if there is no writing information of the second subject, step S30 is jumped and the process proceeds to step S31.

In step S31, preparation for writing to the first and second subject magnetic stripes 7 and 8 is performed.
Go to 32. In step S32, the passbook P1 on which the account number and the name of the user are printed is transported by the transport path 42, and the process proceeds to step S33. In step S33, the first and second subject magnetic stripes 7,
8, the temporarily stored write information of the first and second subjects is written. In this case, reverse writing is performed on the second subject magnetic stripe 8 from the opposite direction. When the writing to the first and second subject magnetic stripes 7 and 8 is completed, the process returns to step S9, and the same operation as described above is repeated.

As described above, according to the above-described embodiment, a plurality of magnetic heads which respectively read and write information from and to each magnetic stripe of a passbook with a bidirectional magnetic stripe correspond to each magnetic stripe. And a plurality of line-finding sections for optically reading information such as page marks and printed lines corresponding to the page marks provided for each subject printing surface, respectively. By enabling simultaneous processing with the magnetic head and multiple line finds,
Even for a passbook with a bidirectional magnetic stripe having a plurality of accounts, passbook issuance and passbook entry can be performed without rotating the passbook 180 degrees internally or reinserting the passbook by the user.

[0065]

As described in detail above, according to the present invention, it is possible to issue a passbook and passbook entry without rotating the passbook internally or reinserting the passbook even for a passbook with a two-way information recording unit. It is possible to provide an automatic transaction apparatus that enables the transaction.

[Brief description of the drawings]

FIG. 1 shows an example of a passbook with a bidirectional magnetic stripe according to the present invention. FIG. 1 (a) shows a state in which a predetermined printing surface is opened, and FIG. 1 (b) shows a front cover and a back cover opened. It is a figure shown in a state.

FIG. 2 is a perspective view showing the appearance of the automatic transaction apparatus according to the present invention.

FIG. 3 is a block diagram schematically showing an overall configuration of the automatic transaction apparatus.

FIG. 4 is a side view schematically illustrating a configuration of a passbook printer unit.

FIG. 5 is a flowchart for explaining the overall operation.

FIG. 6 is a flowchart for explaining the overall operation.

FIG. 7 is a flowchart illustrating the overall operation.

[Explanation of symbols]

P: Passbook with a bidirectional magnetic stripe (passbook with a bidirectional information recording unit), 1 ... Print face for the first subject, 2 ... Print face for the second subject, 3 ... Front cover, 4 ... Back cover, 5 ... 1st subject page mark, 6... 2nd subject page mark, 7... 1st subject magnetic stripe (information recording section), 8... 2nd subject magnetic stripe (information recording section), 9. …… Character image, 11… Housing, 12… Operation unit, 13… Bill mouth,
15 CRT display section, 16 Card slot, 18 Passbook slot, 22 Card reader / receipt printer unit, 23 Passbook printer section, 24 Banknote deposit / withdrawal unit, 25 Coin deposit / withdrawal Unit, 26 Customer service unit, 27 Voice guidance unit, 31 Transmission control unit, 32 Main control unit, 34 Host computer (host device), 41 Intake roller, 42 Transport Roads, 44-47 Passbook issuing unit, 48-51 Storage, 52-55 Extracting device, 59 Magnetic head unit for first subject (information reading / recording means), 60 Second A magnetic head unit for information (information reading / recording means), 62... A line find unit for first subject, 63... A line find unit for second subject, 64.

 ──────────────────────────────────────────────────続 き Continued on front page F term (reference) 3E040 AA01 AA04 AA07 AA08 BA07 CB04 DA03 DA09 EA10 FA05 FD02 FF07 FF09 FG01 FG11 FH04 FH05 FH07 FJ04 FJ06 FJ09 FJ10 FK02 FK05 FK06 FK10 5B019 BB03 DD03

Claims (7)

[Claims] Claims: 1. A plurality of information recording units each having an account of a plurality of subjects, and a plurality of information recording units respectively corresponding to the plurality of subjects accept a passbook with a two-way information recording unit provided at a plurality of different positions on a cover, Information recorded in the information recording unit is read from the information recording unit, a plurality of transactions are selectively performed by the read information and a user operation, and predetermined information corresponding to the transaction result is transmitted to the information recording unit. A plurality of information recording units corresponding to each of the plurality of accounts have a plurality of accounts, if necessary, and are printed on the printing surface of the passbook. An automatic transaction device for issuing to a user a passbook with a two-way information recording unit provided at different positions, comprising: a transport unit that transports the accepted passbook and the issued passbook; A plurality of information reading / recording means provided corresponding to each information recording section of the passbook conveyed by the column, for reading / recording information with respect to each information recording section, respectively; An automatic transaction apparatus comprising: processing means for performing simultaneous processing by recording means. 2. An information reading / recording means of one of the plurality of information reading / recording means reads / records information from / to a corresponding one of the information recording portions of the passbook in a first direction. 2. The information reading / recording unit according to claim 1, wherein the information reading / recording unit reads / records the information from / to the other information recording unit of the passbook in a second direction opposite to the first direction. Automatic transaction equipment. 3. When printing is performed on a printing surface of the passbook, printing is performed from a first direction on the printing surface and the first
2. The automatic transaction apparatus according to claim 1, wherein printing from a second direction opposite to the direction is selectively performed. 4. A plurality of accounts having accounts of a plurality of subjects, and a plurality of information recording portions corresponding to the plurality of subjects respectively accept a passbook with a two-way information recording portion provided at a plurality of different positions on a cover, Information recorded in the information recording unit is read from the information recording unit, and a plurality of transactions are selectively performed by communicating with the host device based on the read information and a user operation, and a predetermined transaction corresponding to the transaction result is performed. An automatic transaction device that records information on the information recording unit and prints the information on the printing surface of the passbook, and has a plurality of accounts, and a plurality of pieces of information respectively corresponding to the plurality of subjects. A passbook storing means in which a plurality of types of unpublished bidirectional information storage passbooks, each of which is provided at a plurality of different positions on the cover, are stored; Detecting means for detecting that carryover has occurred; and notifying means for notifying the host device of the type of passbook stored in the passbook storing means when the detecting means detects that passbook carryover has occurred. Receiving means for receiving a type of passbook that can be issued transmitted from the host device in response to notification by the notifying means; and selectively extracting a passbook corresponding to the type of passbook received by the receiving means from the passbook storing means. And a plurality of information which are provided in correspondence with each information recording section of the passbook which is taken out and conveyed by the extraction means, and read / record information from / to each information recording section. An automatic transaction apparatus comprising: reading / recording means; and processing means for performing simultaneous processing by the plurality of information reading / recording means. 5. A plurality of information recording units each having an account of a plurality of subjects, and a plurality of information recording units respectively corresponding to the plurality of subjects receive a bidirectional information recording unit passbook provided at a plurality of different positions on a cover, Information recorded in the information recording unit is read from the information recording unit, a plurality of transactions are selectively performed by the read information and a user operation, and predetermined information corresponding to the transaction result is transmitted to the information recording unit. An automatic transaction device for recording and printing on the printing surface of the passbook, wherein a plurality of accounts are provided, and a plurality of information recording units respectively corresponding to the plurality of subjects are provided with a plurality of different information recording units on the cover. A passbook storing means for storing a plurality of types of bidirectional information recording section passbooks in an unissued state provided at respective positions; and a detection for detecting that passbook carryover has occurred during a transaction using the passbook. When the detecting means detects that the passbook has been carried over, the type of the passbook stored in the passbook storing means is displayed to the user, and guidance for selecting the type of the passbook to be issued is provided. Means for extracting a passbook corresponding to the selected type from the passbook storage means when the type of the passbook is selected by the user according to the guidance of the guide means; A plurality of information reading / recording means for reading / recording information from / to each of the information recording sections of the passbook taken out and conveyed by the computer; An automatic transaction apparatus comprising: processing means for performing simultaneous processing by reading / recording means. 6. An information reading / recording means of one of said plurality of information reading / recording means reads / records information from / to a corresponding one of the information recording portions of said passbook from a first direction. 6. The information reading / recording means for reading / recording information from / to the other information recording unit of the corresponding passbook from a second direction opposite to the first direction. Automatic transaction device as described. 7. When printing is performed on a printing surface of the passbook, printing is performed from a first direction on the printing surface and the first
6. The automatic transaction apparatus according to claim 4, wherein printing is performed selectively from a second direction opposite to the direction.