JP2000306141A - Automatic transaction machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To set an arbitrary amount of money to issue a check with customer's operation by a check issuing part incorporated in an ATM, to use the same form as a journal for checks to eliminate the fear of theft, and to confirm difficulty of immediate encashment so as not to give troubles to a customer. SOLUTION: This automatic transaction machine is provided with a check issue part which issues a check for the amount of money designated b a customer, a storage part 19 where a form where requirements for a check are not printed is stored, a printing part 11 which prints the amount of money designated by the customer, the drawing dare, the place of drawing, the drawer, and messages as requirements of the check, an MICR printing part 12 which magnetically prints certificate of the check, an account number, and the check number, an image read part 13 which collates printed contents and indicated contents to examine whether they match with each other, and a magnetic read part 14, and an image read by the image read part 13 is recorded and is used for management of the check.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a customer-operated automatic transaction apparatus used in a financial institution such as a bank, and more particularly to a method for issuing a check of an arbitrary amount together with ordinary deposit and refund processing. The present invention relates to an automatic transaction device (hereinafter, ATM).

[0002]

2. Description of the Related Art Normally, when issuing a check, a checking account is opened at a bank or the like, and a check book printed with the exception of the following specific items is received from a bank or the like, and the amount, date of withdrawal, and place of withdrawal are set. This is done by filling in, signing and stamping, and handing over the check to the recipient when the requirements for the check are met. In addition, when receiving a deposit check, it was necessary to issue a check by going to a sales office during business hours of a bank or the like and requesting a staff member. Conversely, there was little concern about receiving checks, which would be difficult to immediately fund at the time of withdrawal, because they would be processed by staff at the counter. By the way, there is a customer service printing apparatus which freely sets and issues a check amount by a customer operation (for example, see Japanese Patent Application Laid-Open No. 10-10 / 1998).
However, since this is a dedicated device, it needs to be specially manufactured and placed in a store, which requires an extra space for installation and an increase in cost.

[0003] On the other hand, there are ATMs that perform processes such as deposits and refunds by the operation of a customer and also issue checks (for example, Japanese Patent Application Laid-Open Nos. 10-222729, 10-105797, and 10-105797). 9-22478
JP-A-5-342452). However, all of them only issue a fixed amount of printed check, and it was possible to print the date of issuance and read and manage the number of the issued check. There are also ATMs that can accept checks and deposit them into accounts (for example, see Japanese Patent Application Laid-Open No. 10-214).
366, JP-A-8-142558, JP-A-7-93437, and JP-A-7-36979), but many of these cannot issue checks.
In addition, if it is possible to issue a check, a fixed amount of printed check is issued.

[0004]

As described above, the conventional A
In the TM, there is no way to issue a check with a freely set amount, and it is extremely inconvenient if only a fixed amount of a check can be issued. The main reason for this is that if a check is issued mainly at an ATM installed in an unmanned store, it will be possible to use it as a check if you enter the amount and the date of withdrawal. This is because there is a risk that the check may be easily forged due to theft or the like if the method is adopted. In such a case, the unissued check paper needs to be stored in a safe storage. However, the market for financial automatic machines has shifted to automatic cash dispensers and automatic teller machines, and in recent years the color of information terminals has become deeper. In order to limit the number of stored bills and increase the degree of freedom of installation in convenience stores, etc. by strengthening such information terminal functions, innovative housing design and reduced installation space are issues. Although further improvement is required, both are extremely difficult problems.

[0005] In addition, prior to automation, there is a problem that these financial transactions cannot be carried out at night, on holidays, and the like, because it is necessary for customers to go to the office and perform procedures during business hours of financial institutions such as banks. Conversely, as for automatic machines (ATMs), as described above, there are also convenience stores and devices that are installed at street corners and operate 24 hours a day. If automatic machines can handle checks, customers will not necessarily go to bank counters. However, it is possible to issue a check, but on the other hand, it is an unmanned transaction, so if a check that is intended to withdraw cash by mistake is difficult to fund immediately, customers will be troubled. Therefore, there is a need for a method for preventing this.

Accordingly, the object of the present invention is to solve these conventional problems, to make the security measures as current as possible, and to be able to do the following or less, so that the check paper can be handled as an ordinary paper from an important form. Thus, in addition to a deposit and a refund process, it is possible to provide an automatic transaction apparatus which can set a monetary amount and issue a check freely and can contribute to an improvement in service to customers.

[0007]

In order to achieve the above object, an automatic transaction apparatus according to the present invention provides an ATM for performing various financial transactions by operating a customer. It has a check issuing unit inside. Also, the form processing unit in the check issuing unit does not have a requirement for a check, has a storage unit for unprinted paper, and prints the amount specified by the customer and each wording which is a requirement of the check by a printing means, Enter account number and check number
Printing is performed by CR (magnetic recording character) printing means. Also,
The optical reading means and the magnetic reading means have means for checking the content printed on the paper fed from the paper storage unit with the content input by the customer, and if there is a difference, a check is displayed in the amount column of the relevant check paper. Is provided with a means for printing that the invalid check is invalid, and an invalid check storage unit is provided for storing the invalid check therein. In terms of operations, in order to exchange checks for those that are difficult to fund immediately, in order to prevent the customer from mistakenly making payments due to erroneous operations, when issuing a check of the specified amount, The customer operation unit confirms whether the funds can be transferred from the deposit account to the deposit check account of the financial institution and whether the funds can be exchanged for a check.

[0008]

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 showing one embodiment of the present invention. ATM1 of the present invention
Is a card reader / writer 2 that reads a card on which a personal identification number is recorded and confirms the identity, a passbook printing mechanism 3 that prints the amount, date, and transaction details of a transaction in a passbook, and a customer inputs bills for transactions. Alternatively, a bill depositing / dispensing mechanism 4 for taking out a coin, a coin depositing / dispensing mechanism 5 for inserting or removing coins, a check issuing mechanism 6 newly provided according to the present invention, a customer operation unit 7 having display means and operation input means 7. A communication control unit 8 for performing data communication with a host computer, an image recording unit 10 for recording an entire image of a check newly provided according to the present invention, and a main control unit 9. As described above, in the present invention, a check issuing mechanism 6 and an image recording unit 10 are newly provided in addition to the mechanisms 2 to 5, 7, 8, and 9 having the functions provided in a normal ATM. The check issuing mechanism 6 of the present invention does not use a check sheet having a special standard or pattern, but uses a normal printing sheet to make it impossible to forge even if the sheet is stolen. I have. By providing two types of printing means (a normal printing part and a MICR (magnetic recording character) printing part), the amount, date of delivery, place of drawer, place of drawer, signature book, exchange place, and other requirements can be provided to humans. In addition to printing with visible characters, the signature of the certificate as a check, financial institution account, check number, etc. are magnetically printed and printed with a character symbol that is invisible to humans, so that the check can be forged at the time of theft or after it is issued. Preventing. In order to avoid issuing a check that is difficult to immediately fund, it is possible to directly check with the customer whether or not funds can be transferred or exchanged for a check from the screen of the customer operation unit 7 when issuing a check. Issuance is prevented.

FIG. 2 is a detailed block diagram of the check issuing mechanism in FIG. As shown in FIG. 2, the check issuing mechanism 6 controls communication with the main control unit 9 and drives and controls the mechanisms 11 to 19 provided in the check issuing mechanism 6. A check issuance control unit 15 for recognizing and collating information, a paper storage unit 19 for storing paper for printing checks, a check amount, a transfer date,
A printing unit 11 for printing the issuing place, the issuing person, that is, a pre-registered signature book, an exchange place, and the requirement of being another check;
MICR printing unit 12, printing unit 11 and MICR for printing a check, financial institution account, check number, etc.
In order to check whether the content printed by the CR printing unit 12 is correctly printed, an image reading unit 13 having a reading function and a recognition function, and to check whether the MICR characters are correctly printed. And MICR
An MICR reading unit 14 having a character reading function and a recognition function is arranged on the transport path 18. The paper storage unit 19 stores a large number of normal high-quality paper sheets having the size of a check, and one sheet taken out of the storage unit 19 is switched by a command from the customer operation unit 7 to the switching gate 17. Is input to the printing unit 11 via the server, and here, the amount, the issuing date, the issuing place, the assignee, the signature book, the exchange place, and other requirements are printed. In the next MICR printing unit 12, the characters of the check, the account of the financial institution, the check number, and the like are printed. In the next image reading unit 13, the printing unit 11
Check whether the content printed in is correct,
The whole image of the completed check is read, and the read check image is stored in the image recording unit 10 of FIG. The next MICR reading unit 14 checks and checks whether or not the print content printed by the MICR printing unit 12 is correct.

[0010] As a result of inspection by the image reading unit 13 or the MICR reading unit 14, if a check is found to be incorrectly printed, the check is conveyed in the reverse direction and returned to the printing unit 11. Is printed, the gate 17 is switched, and the damaged check is stored in the damaged check storage unit 16. The entire view of the check read by the image reading unit 13 is managed by the main control unit 9 by being stored in the image recording unit 10 corresponding to the check number. The image reading unit 13
In step 2, the contents below the check number are collated and inspected, and if there is an error in the contents, the contents are stored in the badly-written check storage unit 16 as described above. The check image data read by the image reading unit 13 is sent to the main control unit 9 of the ATM 1 via the check issuance control unit 15, then subjected to image processing and transferred to the image recording unit 10, It is recorded on a non-rewritable medium (ROM; read only memory, etc.). The contents recorded in the ROM can be taken out and referenced by the main control unit 9 for management as needed, and can be taken out and referenced by a PC (personal computer) (not shown) or the like. Further, the data can be transferred to a host computer (upper device) or the like, stored in a database, taken out from the host computer (upper device) or the like as needed, and can be referred to.

FIG. 4 is a side sectional view of an ATM having a check issuing mechanism according to the present invention. In this ATM 20, a check outlet 22 is provided separately from a banknote deposit / withdrawal port 23 for deposit / refund, and the like, and the check issuing mechanism 6 of the present invention is mounted as an independent mechanism in the ATM 20. . The bills inserted from the bill depositing / dispensing port 23 are separated one by one, and after checking the double weight by the two-sheet feeding detection mechanism 32, the discrimination unit 24 discriminates the authenticity and the denomination, and transports them. It is stored in the temporary storage unit 25 via the path 29.
When the confirmation button is pressed by the customer, the bills are sequentially fed out of the temporary storage unit 25, and the denominations are discriminated by the discrimination unit 24. Then, the recycle boxes 26a and 26b (10000 yen, 1000
Circle). Note that banknotes of a denomination (5,000 yen) that are only paid in without being withdrawn are stored in the non-reflux storage 30. The cassette box 28 which is detachable and for replenishing and collecting the recycle banknotes is taken out by a staff member when necessary, and replenishment and collection of the banknotes are performed.

In the check issuing mechanism 6, when a check is issued by an operation from the customer operation unit 7, one sheet is taken out from the sheet storage unit 19 and sent to the feed roller 21a.
Is fed out by the separation roller 21b, and is conveyed to the printing unit 11 via the switching gate 17. Printing unit 11
Then, the character of the check is printed by the print head, the date is printed on the check, and furthermore, the amount, the place of issuing, the issuer, that is, the pre-registered signature book, exchange place, and the requirement of the check are sequentially printed. These are character symbols that are visible to humans. Further, when the document is conveyed to the MICR printing unit 12 via the conveyance path 21, here, a symbol character which is a proof of a check,
Magnetically print financial institution accounts, check numbers, etc. Since these items cannot be distinguished by humans with or without magnetism,
Helps prevent forgery. Further, the whole view of the completed check is read by the image reading unit 13 via the transport path 21, and it is checked and checked whether the content printed by the printing unit 11 matches the specified content. Then, the image of the check is transferred to the main control unit 9 via the check issuance control unit 15 and stored in the image recording unit 10, and then the issued check is managed by the main control unit 9. For example, a check number and a check image are managed in association with each drawer. Next, the MICR reading unit 14 checks and checks whether or not the content printed by the MICR printing unit 12 matches the specified content. Carry the check. If they do not match, the transport path 21 is transported in the reverse direction, transported from the switching gate 17 to the write-in check storage section 16, and stored.

FIG. 5 is an overall view of a check printed and issued according to the present invention. Of the check 40, the character 41 of the check, the amount 42, the issuing date 43, the issuing place 43, and the issuing person 44
That is, the pre-registered signature book, exchange place, check requirement, and the like are sequentially printed by the printing unit 11. These are character symbols that are visible to humans. Furthermore, MICR printing unit 1
In the second section, the check letter, the letter of the financial institution,
The check number or the like is printed in the magnetic ink character area 45. Since these are character symbols that cannot be distinguished by magnetism for humans, they are useful for preventing forgery and for managing check issuance.

Next, a check issuing process using the ATM will be described in detail. FIG. 3 is a flowchart showing a check issuing procedure according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a screen display example of the customer operation unit when a check is issued. First, the customer selects a transaction content from the customer operation unit 7 displaying the welcome screen 50 shown in FIG. 6A (step S1). This transaction selection screen 50 displays A
In addition to general financial transactions such as withdrawal 51, deposit 52, collation 54, transfer 55, bookkeeping 56, etc. in the TM, a transaction is started by selecting a key as a check transaction 53 (step S2). Next, a payment method selection screen 60 shown in FIG.
Is displayed, whether the payment method is to issue a check from cash (key 61 is pressed), or whether to accept a cash card and issue a check from the customer's deposit account (key 62 is pressed), a payment method selection screen 60 (Step S3).

Here, a transaction example using a cash card is shown. Guidance is displayed on the customer operation section to the effect that the customer inserts the cash card into the card reader / writer 2, the inserted cash card is accepted, the data recorded on the card and the personal identification number are transmitted to the host computer, Inspection based on account data held in
If a transaction is possible, an amount input screen 70 shown in FIG.
Is displayed, a process of inputting the amount of the issued check from the ten keys 71 of the customer operation unit is executed (step S4). The input amount is immediately displayed in the amount display area 72. Next, the customer confirms whether the input amount is correct by pressing the confirmation key 75 (step S).
5). If the amount is correct, the user may proceed to the issuance process as it is. However, since it is difficult to immediately fund the check, by displaying the screen 80 shown in FIG. Guidance for checking
("Is there any problem with the balance after the transfer to the bank check account?") (Step S6), the balance of the customer's account is displayed in the area 84, and the check is pressed by pressing the confirmation key 83 of the customer. Move to issuance processing. Here, when the cancel key 82 is pressed, a customer replacement process is executed,
Accept the next transaction. When the correction key 81 is pressed and the amount is corrected to a small amount, the balance is displayed again and the confirmation key 83 is pressed.

The processing after confirmation of the customer (S6) will be described below. The check issuing mechanism 6 feeds out a sheet used for a so-called blank check, in which the check format is not printed from the sheet storage unit 19 (step S7), and the printing unit 11
Prints a check format registered in the main control unit 9 in advance, prints the amount, prints the date of withdrawal, prints a pre-registered signature book, and prints a seal (step S).
8). Next, the MICR printing unit performs the MICR printing based on an instruction from the host computer or data registered in advance in the main control unit 9 (step S1).
0). Next, the content printed so far is read, and it is checked whether the content is correct. In other words, it is expected that there is almost no erroneous data, but if there is a lack of print content or contamination due to a failure of the printing mechanism, etc.,
If you issue a check as it is, it could be an accident,
The reading unit 13 and the MICR reading unit 14 read the print contents (steps S11 and S14), inspect the read contents and the print contents, and read the MICR read contents and the MIC.
Inspect the R print contents (steps S12 and S15),
If it is normal, funds transfer is reserved from the customer's deposit account to a deposit check account of a financial institution such as a bank (step S1).
7). The image read data of the check is recorded in the image recording unit (step S17). Next, the customer's cash card is returned (step S18), and then a check is issued (step S19). In the unlikely event that a cash card or check is forgotten, it has a function to collect it. When all transactions are completed successfully,
Sends a transaction completion notification to the host computer,
Money transfer is performed by the host computer.

Usually, when a deposit check is issued at an ATM installed in an unmanned store, the amount can be used as a check if the amount and the date of withdrawal are entered, so that the check paper can be stored in an automatic machine. If the check is put, the check may be easily forged due to theft or the like, and the unissued check paper must be stored in a safe storage. However, in this embodiment, since the same handling as the journal paper or the like is possible, there is no fear of forgery even if the paper is stolen due to theft or the like. In addition, the market of financial automatic machines has shifted to ATMs, and in recent years it has been treated as an information terminal. In order to limit the number of stored bills, etc., and to increase the degree of freedom in installation in convenience stores, etc. by strengthening such information terminal functions, innovative housing design and reduced installation space will be issues, and Although further improvement in strength is desired, in this embodiment, the security measures are the same as the current state, and even better than the current state, the check paper can be handled as an ordinary form from an important form.

In addition, prior to automation, a customer is required to go to the office during the business hours of a financial institution such as a bank, and to carry out procedures.
Although these financial transactions could not be performed at night, on holidays, etc.,
In recent years, this problem has been solved, and as described above, checks can be handled by a 24-hour automatic machine installed at a convenience store or a street corner, and checks can be issued even if customers do not necessarily go to a bank counter. It became possible to receive. In the present embodiment, since there is no fear of theft and the amount can be set freely, it is possible to contribute to the improvement of the service to the customer. Also, if unintentional transactions make mistakes in issuing cash and making checks that are difficult to fund immediately, customers may be troubled.
In the present embodiment, a screen for confirming whether or not funds can be transferred from a customer's deposit account to a deposit check account of a financial institution is displayed on the screen of the customer operation unit when issuing a check of a specified amount. This can be prevented by reconfirming with the customer. Further, in the present embodiment, when a function for accepting a check to be issued or a check, a bill, and a payment note is provided, a function of recording image data of the received check, bill, and payment note is provided.
No reading and recording device other than M is required.

[0019]

As described above, according to the present invention,
The check issuance mechanism built into the ATM allows you to set the amount freely and issue it.
Also, since check paper can be handled in the same way as journal paper, there is no risk of theft, and even if a check is difficult to fund immediately, it will be reconfirmed by the customer, which will be annoying to the customer Less.

[Brief description of the drawings]

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

FIG. 2 is a detailed configuration diagram of the check issuing mechanism shown in FIG. 1;

FIG. 3 is a flowchart of a check issuing process according to an embodiment of the present invention.

FIG. 4 is a side sectional view of an ATM incorporating the check issuing mechanism shown in FIG. 2;

FIG. 5 is an explanatory diagram of a print portion of a check issued according to the present invention.

FIG. 6 is a diagram of a display screen of a customer operation unit when issuing a check according to the present invention.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Automatic transaction apparatus, 2 ... Card reader / writer, 3 ... Passbook printing mechanism, 4 ... Banknote deposit / withdrawal mechanism, 5 ... Coin deposit / withdrawal mechanism,
6 Check issuing mechanism, 7 Customer operation section, 8 Communication control section, 9 Main control section, 10 Image recording section, 11 Printing section, 12 MICR printing section, 13 Image reading section, 14 MICR Reading unit, 15: check issuance control unit, 16: write-in check collection storage unit, 17: switching gate, 18: transport path, 19: paper storage unit, 20: ATM,
Reference numeral 22: Check take-out port, 23: Banknote pay-in / pay-out port, 24: Identification section, 25: Temporary storage section, 28: Cassette box, 2
6a to 26c: recycle store by denomination, 30: non-recycle denomination storage, 29: transport path.

 ──────────────────────────────────────────────────続 き Continued on the front page F-term (reference)

Claims (3)

[Claims] 1. An automatic transaction apparatus for performing various financial transactions by a customer operation, wherein after a check transaction is selected on a screen, a customer operation unit for displaying an arbitrary amount input on the screen; A check issuance unit that prints on a sheet containing a character symbol having a requirement of being an amount input from the customer operation unit and a check other than the above, and creating and issuing a check. Automatic transaction equipment characterized. 2. The automatic transaction apparatus according to claim 1, wherein the check issuance unit is designated to a storage unit that stores a sheet on which a requirement for being a check is not printed, and a sheet removed from the storage unit. A first printing unit for printing a character symbol having a requirement for being a check amount and other checks, and a second printing unit for magnetically printing a check, a financial institution account, and a check number. A reading unit for checking whether the content printed by the first printing unit matches the specified content, and a magnetic reading unit for checking and checking the content printed by the second printing unit. And an invalid check storage unit for storing a check printed by the first printing unit as invalid when the result of the comparison / inspection does not match. 3. The automatic transaction device according to claim 1, wherein a screen of the customer operation unit displays a check for a designated amount from a deposit account of the customer to a deposit check of a financial institution during a procedure for issuing a check. The content for confirming the transferability of funds is displayed in the account, and the reading unit for the content inspection reads the entire image of the check to be issued and stores the entire image in the memory corresponding to the check number. Automatic transaction device characterized by the above.