JP2002230625A - Automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a device capable of handling bankbooks of different specifications issued by a plurality of financial institutions by making it possible to judge the name of a financial institution from the bankbook without manual inputs. SOLUTION: Image data of the bankbooks issued by a plurality of financial institutions are stored in the storage of the automatic transaction device in advance. The specifications of each bankbook (shape and position of magnetic stripes, printing position, position of barcodes indicating the number of pages, etc.), are also stored in the storage in advance. During transactions using the bankbook, the bankbook is subjected to imaging process and the image data thus obtained are compared with the stored image data of the bankbook to identify the financial institution without human inputs. The printing head of a bankbook printing mechanism, a head for the magnetic stripes, and the like are controlled according to the specifications of the bankbook corresponding to the financial institution, so that the automatic transaction device is capable of handling the bankbooks issued by a plurality of financial institutions.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus having a passbook transaction function installed in a store such as a financial institution.

[0002]

2. Description of the Related Art In recent years, integration and tie-ups of financial institutions have been increasingly advanced, and transactions relating to the financial institutions of the tie-up partners have been increasing in the automatic transaction apparatus. In the case of a transaction using a magnetic card, the data format registered on the magnetic card has a common specification, so it is possible to do transactions with partner financial institutions, but in the case of transactions using a passbook, Banks used by financial institutions have different specifications (such as the shape of the magnetic stripe and its position, printing position, and barcode position indicating the number of pages) for each bank. Passbooks were not normally available and led to poor service.

[0003]

An automatic transaction apparatus installed in a convenience store or the like reads a financial institution number from a magnetic card and downloads a transaction processing flow of the financial institution to handle a plurality of financial institutions. They do, but do not respond by judging the name of the financial institution from the passbook.

On the other hand, in the case of an automatic transaction device installed in a store of a major financial institution, every time a customer handles a passbook,
By inputting the name of a financial institution in advance, it is possible for the device to recognize the passbook of the financial institution, control the passbook printing mechanism according to the passbook specification of the relevant financial institution, and handle the passbooks of multiple financial institutions It is. However, if the name of the financial institution is entered every time a transaction is made, the name of the financial institution may be entered incorrectly, which is inconvenient for the customer and deteriorates the service.

[0005] It is an object of the present invention to solve the problems of the prior art and to provide an apparatus capable of making a judgment without inputting a financial institution name.

Another object of the present invention is to provide an apparatus capable of handling passbooks issued by a plurality of financial institutions having different specifications without putting a burden on customers.

[0007]

SUMMARY OF THE INVENTION In order to achieve the above object, the present invention provides a specification of a passbook for each financial institution (the shape and position of a magnetic stripe, a printing position, a bar code position indicating the number of pages, etc.). Means for pre-storing, means for pre-storing image data (print color, pattern, mark of financial institution, name of financial institution, etc.) on the surface of the passbook of the target financial institution, and passbook inserted into the automatic transaction apparatus Means for reading the image of the cover of the book, means for recognizing the financial institution by comparing the image read data with the image data of the pre-stored passbook, and reading the passbook specification of the recognized financial institution and executing the passbook based on the Means for controlling the printing mechanism.

[0008]

DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to FIGS. FIG. 1 is a diagram showing an automatic transaction apparatus according to an embodiment of the present invention. In the figure, an automatic transaction apparatus 1 for performing passbook transactions of a plurality of financial institutions has a card reading mechanism 1 for reading and writing a magnetic card 31.
1. A statement slip issuing mechanism 12 for issuing a statement slip 32 describing the details of a transaction, a passbook printing mechanism 13 for accepting a different passbook 33 for each financial institution and conducting a transaction, and operating an automatic transaction apparatus. Storage program 14 for storing passbook image data 26 for use in passbook recognition, and a storage device 14 for storing information on the contents of each transaction, a coin depositing and dispensing mechanism 1 for depositing and dispensing coins.
5. Banknote depositing / dispensing mechanism 16 for depositing / dispensing banknotes, a key input unit 17 operated by a customer at the time of various transactions, a display unit 18 for displaying guidance of transactions, etc., data with a host of an upper accounting system Line control unit 1 for transmitting and receiving
9. Passbook specifications for each financial institution, connected via line 2
Each of the centers 21 to 23 of the financial institution that stores data of 3 to 25 (the shape and position of the magnetic stripe, the printing position, the position of the bar code indicating the number of pages, etc.), and operates according to the program. It comprises a main controller 20 for controlling 19 units.

FIG. 2 is a diagram showing details of the passbook printing mechanism 13. The passbook printing mechanism 13 includes an image processing unit 6 having an image reader for processing the passbook 33.
1. A print control unit 61 having a print head for printing transaction results and the like on the passbook 33, a magnetic stripe control unit 63 having a magnetic head for reading and writing information written on the magnetic stripe of the passbook 33, A power supply unit 64 for supplying power to the control unit, a mechanical control unit 65 for controlling each sensor of the passbook printing mechanism 13, a conveyance motor, a conveyance roller, a solenoid, and the like, and an interface with the main control unit 20 of the automatic transaction device are controlled. The interface control unit 66 operates according to the microprogram, and operates as described above.
It comprises a control unit 1 to 68 and a main control unit 67 for controlling the power supply.

FIG. 3 is a diagram showing a processing flow for recognizing a passbook issued by a plurality of financial institutions having different specifications. Hereinafter, a processing flow for recognizing a passbook will be described with reference to FIGS.

First, in step 101, a customer inserts a passbook into the passbook printing mechanism 13 due to a transaction involving the passbook. When the passbook is inserted, the passbook printing mechanism recognizes that the passbook has been inserted and accepts the passbook (step 10).
2). Then, the passbook printing mechanism determines whether an error such as skew or jam has occurred in the inserted passbook (step 103). If an error such as a skew occurs, the process goes to an error process to proceed to step 104, where the passbook is once discharged and the re-insertion wait state is set. If no abnormality such as skew has occurred, normal processing is performed, and the routine proceeds to step 105.

The passbook printing mechanism performs image processing of the inserted passbook by the image reader of the image processing control unit 61 (step 105), and acquires image data of the passbook. In step 106, a pass / fail judgment is performed on the image data acquisition result. If the image data cannot be acquired due to a dirty passbook or the like, an abnormal process is performed, and the process proceeds to step 111. In step 111,
The passbook printing mechanism reports to the business software that the passbook cannot be recognized and the image data of the passbook could not be obtained, and the passbook recognition process is terminated. On the other hand, if the image data has been obtained, the process proceeds to step 107.

The acquired image data is passed through an interface controller 66 of a passbook printing mechanism for performing recognition processing.
Is transmitted to the main control unit 20 of the automatic transaction apparatus 1 through the transaction (step 107). Then, the passbook recognition process is performed by the main controller of the automatic transaction apparatus 1 (step 108).
To explain this recognition processing, the passbook image data transmitted from the passbook printing mechanism is compared with the passbook image data 22 stored in advance in the storage device 14 of the automatic transaction apparatus, and the name of the financial institution printed on the passbook is displayed. The financial institution is comprehensively determined based on the character recognition of the financial institution code and the like, the color and the picture of the passbook, and the financial institution is recognized. When the passbook recognition process is completed, the process proceeds to step 109.

In step 109, a pass / fail judgment is made on the result of the recognition process. If the recognition process cannot be performed, an abnormal process is performed as in the case of obtaining the image data. That the recognition processing of the passbook could not be performed, and ends the passbook recognition processing. If the recognition processing has been performed normally, the process proceeds to step 110, where it is reported to the business software that the passbook recognition processing has been completed normally, and the processing for recognizing the passbook ends.
As described above, it is possible to determine the name of the financial institution without inputting the name of the financial institution.

FIGS. 4 and 5 show the processing flow of the automatic transaction apparatus according to the present embodiment. 6 to 1
FIG. 2 is a diagram showing an example of an operation guide screen displayed on the display unit. Hereinafter, the processing flow of the first half will be described with reference to FIGS.

FIG. 4 is a process flow showing a passbook entry transaction when a financial institution name is selected in advance. First, in step 201, the automatic transaction apparatus 1 displays a transaction selection screen shown in FIG. 6 on the display unit 18 and waits for a customer selection. On the transaction selection screen, transaction items such as entry, balance inquiry, entry, and refund can be selected. Here, when the customer who wants to make a passbook entry selects the entry, the screen shown in FIG. 7 is displayed on the display unit 18 to urge the customer to insert the passbook (step 202). Here, the customer inputs the name of the partner financial institution according to the instructions on the screen and inserts the passbook into the passbook printing mechanism 13.

Next, a screen shown in FIG. 8 is displayed on the display unit 18 to notify the customer that the passbook is being received (step 203). Recognition processing is performed, and the name of the financial institution is determined from the passbook (step 204). And step 202
It is checked whether or not the financial institution name input in advance matches the financial institution name determined by the passbook recognition process in step 204 (step 205). If they match, the process proceeds to step 209 to read the passbook specifications. If they do not match, the process proceeds to step 206 to confirm whether the customer has made a mistake in inputting the name of the financial institution or made an error in the inserted passbook.

In step 206, the screen shown in FIG. 9 is displayed on the display unit 18 to notify the customer that the financial institution name entered in advance does not match the financial institution name in the inserted passbook. The customer confirms the displayed content and selects either to re-enter the financial institution name or to re-insert the passbook (step 207). If the inserted passbook is incorrect, the passbook reinsert key is pressed to reinsert the passbook, and the processing of steps 203 to 205 is repeated. If the name of the financial institution is incorrect, press the re-enter key,
Proceed to step 208.

At step 208, the display unit 18 displays
Is displayed to prompt the customer to re-enter the financial institution name. When the customer re-enters the name of the financial institution according to the instructions on the screen, the customer performs a process of reading out the passbook specification corresponding to the financial institution recognized in the above step (step 209). The passbook specifications are stored in advance at the center of the partner financial institution, and the automatic transaction apparatus accesses the center and downloads the passbook specifications of the financial institution recognized in the above step. When the passbook specification is downloaded, it is transmitted to the main control section 67 of the passbook printing mechanism, and the mechanical control section 67, the print control section 65, and the magnetic stripe control section 64 of the passbook printing mechanism 13 are controlled based on the passbook specification (step 210). ), A passbook entry process is performed, and this process ends (step 21).
1).

Thereafter, the display unit 18 displays a screen shown in FIG. 12 to inform the customer that the bookkeeping process is completed and the passbook is discharged (step 212). The customer receives the discharged passbook and completes a series of passbook entry transactions. FIG. 5 shows a passbook entry transaction in the case where the passbook is inserted before the transaction selection. In step 301, the automatic transaction apparatus 1 displays a transaction selection screen shown in FIG. Here, if the passbook is inserted into the apparatus before selecting the transaction item and the entry is selected, the display unit 18 displays the screen shown in FIG. 8 to notify the customer that the passbook is being received (step 30).
2). Here, the automatic transaction apparatus performs the passbook recognition process described in FIG. 3 (step 303), and determines the name of the financial institution from the passbook.

When the recognition process is completed, the display unit 18 displays
The screen shown in FIG. 1 is displayed to prompt the customer to confirm the inserted passbook (step 304). Then, the financial institution name displayed by the passbook recognition process is confirmed, and it is confirmed whether or not the inserted passbook is correct (step 305). If the customer makes a mistake in the passbook to be inserted, the user presses the reinsert key to reinsert the passbook. When the re-insertion key is pressed, the passbook inserted earlier is discharged, and the re-insertion of the passbook is awaited.By re-inserting the passbook and selecting the bookkeeping transaction,
The processing after step 302 is performed again. If there is no mistake in the inserted financial institution, press the confirmation key. When the confirmation key is pressed, the process proceeds to step 209 of the transaction flow, and bookkeeping processing is performed according to the processing flow.

As described above, according to the present embodiment,
The specifications of passbooks issued by a plurality of financial institutions having different specifications and image data are stored in a center or a device in advance, and the name of the financial institution is determined by comparing the image data obtained at the time of the passbook transaction. Can be. Further, by controlling the passbook printing mechanism based on passbook specifications stored in advance, passbooks having different specifications can be easily handled by the automatic transaction apparatus.

[0023]

As described above, according to the present invention, by inserting a passbook into a device, a customer can identify a financial institution without manually inputting the name of the financial institution. An automatic transaction device that can handle different passbooks can be provided. In addition, when a financial institution name is entered before a transaction, an automatic transaction apparatus is provided which can prevent an input error or a passbook insertion error by comparing the entered financial institution name with the recognized financial institution name of the passbook. can do.

[Brief description of the drawings]

FIG. 1 is a diagram showing an automatic transaction apparatus according to an embodiment.

FIG. 2 is a diagram showing a passbook printing mechanism.

FIG. 3 is a diagram showing a passbook recognition processing flow according to the embodiment;

FIG. 4 is a diagram showing a transaction flow of passbook entry according to the embodiment;

FIG. 5 is a processing flowchart of passbook entry at the time of preceding passbook insertion.

FIG. 6 shows a transaction selection screen.

FIG. 7 shows a passbook insertion screen.

FIG. 8 is a diagram showing a passbook acceptance screen

FIG. 9 is a diagram showing a confirmation screen (part 1) of a financial institution name;

FIG. 10 is a diagram showing a financial institution name input screen;

FIG. 11 is a diagram showing a confirmation screen (part 2) for the name of a financial institution;

FIG. 12 is a diagram showing a passbook return screen

[Explanation of symbols]

1: automatic transaction device, 11: card reading mechanism, 12: statement slip issuing mechanism, 13: passbook printing mechanism, 14: storage device, 1
5: coin receiving / dispensing mechanism, 16: bill receiving / dispensing mechanism, 17: key input section, 18: display section, 19: line control section, 20: center 1, 21: center 2, 22: center n, 23: passbook specification , 24: passbook specification, 25: passbook specification, 26: passbook image data, 27: main control unit, 31: magnetic card, 3
2: statement slip, 33: passbook, 61: image processing control unit,
62: print controller, 63: magnetic stripe controller, 6
4: power supply unit, 65: mechanical control unit, 66: interface control unit, 67: main control unit, 101 to 113: steps of passbook recognition processing flow, 201 to 212: passbook entry when a financial institution name is input in advance Transaction flow steps,
301 to 305: Steps of passbook entry transaction flow when passbook is inserted into device before selection of transaction

Claims (3)

[Claims] 1. A display unit for displaying guidance of a transaction, a key input unit for inputting, a statement issuing mechanism for issuing a statement of the transaction, a card reading mechanism for handling a magnetic card,
In an automatic transaction device having a deposit and withdrawal mechanism for handling coins or bills, a passbook mechanism for handling a passbook, a main control unit for controlling each of the mechanisms, and a storage unit for storing various information, the storage unit includes a plurality of storage units. The image data of the cover of the passbook relating to the financial institution is stored in advance, the cover of the passbook is read by means for reading the passbook handled by the passbook mechanism, and the read image data is compared with the image data stored in the storage unit. An automatic transaction apparatus characterized by recognizing the relevant financial institution in the passbook. 2. The automatic transaction apparatus according to claim 1, wherein a passbook specification of each financial institution is registered in advance at a center of the financial institution, and the cover of the bank is recognized by reading an image of the cover of the passbook at the time of passbook transaction. Access the center,
An automatic transaction apparatus wherein the passbook specification is downloaded to control a passbook mechanism. 3. The automatic transaction apparatus according to claim 1, wherein the name of the financial institution recognized by reading the cover of the passbook during a transaction using the passbook is displayed on the display unit,
An automatic transaction device that lets customers know and confirm the name of a financial institution.