JP2004094844A - Bankbook bringing forward device and method therefor - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a bankbook bringing forward device requiring a storage area, which is made small-sized with the same storage capacity and is capable of issuing bankbooks designed originally for end users respectively and issues bankbook for more economical use. <P>SOLUTION: The bankbook bringing forward device is provided with print processors 2 and 3 capable of printing designs (item columns and ruled lines of tables) on a cover and leaves of a bankbook 7' and a means 8 which manages use information of accounts of end users and changes page allocation of each account of a multi-account bankbook like a combined account bankbook in accordance with the past frequency in use. For example, the number of pages for accounts which an end user has not used is set to one and the number of pages for an ordinary deposit account is increased in accordance with past utilization conditions of respective accounts, and thus the constitution of a bankbook is changed for the end user when the bankbook is brought forward. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a passbook carrying device having functions of carrying over, issuing, and printing on a passbook in a bank or other financial institution.
[0002]
[Prior art]
Conventionally, in the passbook carrying device, the cover design may be different for each subject or even for the same subject, and when issuing a passbook with a new or carrying over, the customer can freely select the design of the passbook to be issued by the passbook carrying device. Was something. Although this technique has been proposed in Japanese Patent Application Laid-Open No. H11-185106, it is necessary to secure a storage space of substantially the same volume for each type of passbook regardless of the passbook issuing frequency. That is, an extra space is required as a passbook accommodation space. Examples of the type of passbook include a term deposit account, a savings account, a general account, a savings deposit account, and the like.
[0003]
In addition, for example, a multi-passbook such as a general account passbook is convenient because the contents of a plurality of accounts can be stored in one book, but if the page of one of the accounts becomes full, an immediate transfer procedure is performed. Had to be a new passbook. That is, there is a problem that one passbook cannot be used effectively. In order to solve this problem, if the subject is full, the account opening status of the customer is checked, and if there is a non-open subject, the entry information of the full subject is added to the non-open subject. In some cases, the number of bookkeeping areas for the subject is increased, and the number of cumbersome passbook transfer procedures is reduced. This technique has been proposed as Japanese Patent No. 19226666, but it is inevitable that the passbook is difficult to see.
[0004]
A technique for printing a subject layout on a plain passbook as in the present invention has been proposed, for example, in Japanese Patent Application Laid-Open No. H10-269407. That is, a new passbook storage unit, a print data storage unit for storing print image data of each subject passbook, and print image data of a specific subject passbook read from the print data storage unit and printed on the new passbook. And a printing unit. This allows the user to print the subject layout on the new passbook with emphasis on the subject layout mainly used.
However, when the subject layout is printed on a plain passbook, the structure of the prepared passbook is fixed, so that it is necessary to carry over the page without leaving the unbooked page as in the related art. Therefore, the purpose of effective use of the passbook cannot be fulfilled.
[0005]
[Problems to be solved by the invention]
As described above, the conventional passbook carry-over device requires a large storage area, and has not been able to be used effectively without eliminating issuance of various kinds of passbooks or eliminating a useless use of one passbook. .
[0006]
Accordingly, an object of the present invention is to provide a passbook carrying device that requires a large storage area to carry over and issue various types of passbooks in a passbook carrying device. It is an object of the present invention to provide a passbook carrying device that can issue a passbook of the design of the present invention, can issue a passbook that can be used with less waste, and can carry over the passbook.
[0007]
[Means for Solving the Problems]
The passbook carrying device of the present invention is provided with means for printing barcodes, ruled lines and cover designs for each subject on a plain passbook. For this reason, instead of setting a passbook separately for each subject or design, if the passbook has the same configuration (number of middle sheets, barcodes, magnetic stripes) (only the cover design is different) Issuance is possible, and it is possible to deal with issuance of the same number of passbooks with a small number of passbooks as in the past, and it is possible to reduce the size of the apparatus because the storage area can be reduced.
[0008]
In addition, by managing the usage information of the end users' accounts and changing the page ratio for each subject of a multi-subject passbook such as a general account passbook according to the frequency of use in the past, passbooks with different passbook configurations for each end user Can be issued, the number of pages not used can be reduced, and passbook waste can be reduced.
Also, by leaving a few blank pages, if a newly opened subject or a subject with pre-printed layout is full, the subject is assigned to extend the passbook life. For example, it is possible to respond flexibly.
[0009]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
Here, an example using a passbook handling apparatus having both an ink jet system and a wire dot system will be described in detail with reference to drawings as a representative example of a passbook handling apparatus that can also print a cover design in booklets and the like. . The present invention is also applicable to a printing apparatus using an electrophotographic method, a thermal printing method, or the like as a printing method.
[0010]
FIG. 1 is an overall perspective view of a passbook carrying device showing one embodiment of the present invention.
FIG. 1 shows a case in which the present invention is applied to a booklet or the like handled by the passbook carrying device (hereinafter, a passbook as a specific example) and a printing device passbook carrying device (hereinafter, also referred to as an APIM (Automatic Passbook Issue Machine)) 20. FIG. The configuration of the device 20 will be described.
A display / input unit 21 for displaying operation information, displaying for operation input, and the like is provided on the customer reception side of the passbook carry-over device 20. Further, a passbook handling port 22 for performing passbook processing is arranged in the center of the device 20. Further, on the right side of the display / input unit 21, a picture brought in by the end user, a camera 23 for taking in a photograph of the face of the end user, and a control unit (not shown) for controlling the passbook carrying device 20 ( Host) and a power supply.
[0011]
FIG. 2 is an explanatory cross-sectional view of the passbook carrying device of FIG. 1 and a detailed configuration diagram of a control unit.
In FIG. 2A, as an example of the passbook carry-over device 20, a case where the passbook handling device applies both an ink jet type and a wire dot type printing device to the passbook printer 1 that prints booklets or the like (for example, a passbook). Hereinafter, the internal structure and operation of the passbook printer 1 will be described.
The passbook printer 1 is a printing device used to record the passbook 7 when the passbook is carried over. Reference numeral 22 denotes an insertion slot used when a user inserts the passbook 7 into the passbook printer 1.
[0012]
A transport roller 5 for transporting the passbook 7 rightward or leftward in the figure and positioning it at a predetermined printing position, a transport motor 6 for driving the transport roller 5, and a signal from a control unit (host) of the passbook carrying device. In response, the control unit 8 controls the transport motor 6, a printing device 2 (wire dot method) for printing the contents (an account number, a subject, a depositor's name, etc.) conventionally printed, a cover design, and the like. And a bar code reader 9, 10.
[0013]
FIG. 2B is an internal configuration diagram of the control unit 8 of the passbook printer 1.
The control unit 8 includes a CPU 82, a memory 81, and a ROM 83 that stores various programs for controlling the transport motor 6. When a pattern is designated by the CPU 82, a plurality of types of control programs for controlling the transport motor 6 jump to the address of the storage area, and the subroutines are sequentially read out and executed by the CPU 82. By being executed, the transport motor 6 is controlled in accordance therewith, so that the transport roller 5 operates at the designated rotational speed and rotational speed, and stops at the positions of the printers 2 and 3 and the bar code readers 9 and 10. I do.
[0014]
FIG. 3 is a flowchart showing the flow of operations up to the issuance of a passbook in the present invention.
First, the passbook 7 sucked from the passbook handling port 22 is transported toward the back of the apparatus of the passbook printer 1 by the transport rollers 5 driven by the transport motor 6 (step 101). During the transportation, passbook identification information, information on the composition of the account of the passbook, information necessary for processing of account numbers, etc. are read from the passbook, and then communicated with the upper-level host to check whether or not the passbook should be processed, and to make transactions. Information required for processing, such as information to be printed on a passbook, pages to be printed, information on a magnetic stripe to be recorded, and the like are received (step 102).
[0015]
When the operator selects to carry over the passbook 7, the inhaled passbook 7 is evacuated into the apparatus, a new passbook 7 'is fed out from the lower part of the apparatus, loaded into the passbook printer 1, and the printing process is started (step S1). 103). In FIG. 2A, when the inhaled passbook 7 is evacuated, the passbook 7 is conveyed from the right insertion slot 22 to the left end port and is once discharged to a lower evacuation area, and then another lower passbook is drawn. It is taken out of the storage unit, taken into the conveyance path from the left end port, and conveyed to the right by the conveyance rollers 5.
[0016]
In the following embodiment, an embodiment of the present invention will be described by taking as an example a case where a general account passbook having a plurality of subjects (savings account, time deposit, card reserve) in one passbook is carried over.
When the passbook is loaded, the device first identifies the end user from the magnetic stripe by the barcode readers 9 and 10 and collects the information necessary to carry over the passbook. Next, it is determined whether there is an empty page in the old passbook (step 103).
If there are no empty pages, the end user is prompted to select the number of sheets in the passbook (step 105). The apparatus of the present invention uses a passbook that has not been preprinted, and when a new subject is opened, it is possible to prepare a page for printing the subject in the passbook. In addition, the end user can freely determine the configuration of the passbook, and the number of sheets in the passbook can be selected. For example, an end user with a large number of deposits and withdrawals selects a large number of sheets of middle paper (for example, 20 to 50 sheets), and an end user with a small number of deposits and withdrawals selects a small number of sheets of middle paper (for example, , 10 to 15).
[0017]
Next, the pages of each subject are assigned to the number of sheets of the middle sheet selected from the frequency of use of the past subjects, and a passbook structure is created (step 106). For example, the passbook of the end user who carried over the passbook is composed of 6 pages of ordinary deposit, 4 pages of time deposit, and 4 pages of card reserve in preprinting, whereas the page actually recorded is It is assumed that a carry-over has occurred in the ordinary deposit on page 6 of the deposit, page 2 of the time deposit, and page 0 of the card reserve.
In this case, it can be seen that conventionally, out of the 14-page passbook, 6 pages were wasted.
[0018]
Note that the method of calculating the number of pages to be allocated to a subject can usually determine the usage status of the subject of the end user by reading magnetic stripe (MS) information. If the magnetic stripe information cannot be read due to the use of the passbook, the first information such as the number of pages allocated to the subject can be known by checking the account opening information with the host. Based on these, the number of pages to be allocated to a newly issued passbook item is calculated.
[0019]
In the present invention, a passbook structure is created based on such information (magnetic stripe information or account opening information). As an example of the algorithm that makes the judgment, delete the courses that have not been used at all, delete the same number of courses that are used for courses other than ordinary deposits, prepare 2 pages in this example, and save the remaining pages to ordinary deposits. assign. At this time, the apparatus of the present invention prepares four plain pages without any printing. This page is allocated, for example, when it is necessary to open a card reserve that has not been used so far, or when it is necessary to carry over a savings account or a time deposit. In this case, the passbook has a structure of 8 pages of ordinary deposit, 2 pages of time deposit, and 4 pages of plain pages.
[0020]
When a passbook having a different number of sheets is selected, the calculated number of pages is multiplied by the ratio of the number of pages in the passbook.
If a 10-page passbook is selected, the ratio of the number of pages in the passbook is 0.7 (10/14). If the number of pages multiplied by the ratio is rounded up and adjustment is performed on a plain page, the ordinary deposit Is six pages, the time deposit is two pages, and the rest are two pages. The structure of the passbook is created in this way.
The created configuration is displayed on the display / input unit 21 as a recommended passbook configuration calculated from past usage results, and the user is asked for confirmation (step 107).
[0021]
If the user's consent is obtained, the process shifts to printing on the cover. If the consent is not obtained, an operation screen for modifying the structure of the passbook is displayed. The subject to be adjusted is selected, and +,-, and buttons are pressed (operation of the display / input unit 21), and the number of pages to be allocated is increased or decreased to adjust. Of course, it is also possible to newly add an unestablished subject (step 108).
[0022]
Next, preparation is made for printing the design of the cover of the passbook. Recently, in order to improve service to end users, there are cases where the same general account passbook uses a passbook with a different cover design. Therefore, an inquiry is made to the end user as to whether to create an original passbook. When a different design other than the original passbook is selected, instead of storing several types of passbooks differing only in the cover design in the device, the present device prints a predetermined cover design on a passbook with a plain cover. In the case of this embodiment, the cover design of the passbook prepared for the general account is read from the storage device in the apparatus (step 109) and printed.
[0023]
When the end user agrees to create the original passbook, the cover design can be printed, so that the end user can create the original passbook. At that time, the camera 23 of the apparatus is activated, and the image is captured as data (step 110). Ask the end user to confirm the captured image, and retake it if necessary. When using the captured image, the cover design for the original passbook is combined with the captured image (step 111), and the completed passbook image is displayed on the display / input unit 21 and checked with the end user. After receiving the information (step 112), the printing device 3 prints the cover design (step 114). Next, the layout of each subject is printed. According to the structure of the created passbook, the printing of the layout of each page is performed by the printing device 3 (step 115).
[0024]
First, the table of contents is printed (step 148). Next, the same printing content as when a passbook with a printed cover design and layout of each page is used is printed by the wire dot type printing device 2 (step 149) (see FIG. 4). After the printing, the new passbook and the old passbook are issued from the passbook handling port 22 in this order (step 150).
[0025]
Returning to step 103 in FIG. 3, a description will be given of a process in a case where one of the accounts in the passbook is full and a carry-over occurs.
First, it is confirmed whether a blank page of the passbook 7 sucked from the passbook handling port 22 is vacant. If it is empty, the layout print of the full course and the information added to the page are added to the magnetic stripe. At this time, it is confirmed whether or not the plain page is left (step 120). If so, the number of sheets to be left is selected, and the remaining pages are printed with the layout of the subject to be carried over (step 115). On the other hand, if there is a selection not to leave a blank page, an operation screen for selecting a layout is displayed, the configuration of the remaining pages is determined (step 121), and the layout of the page is printed in accordance therewith (step 115). ).
When a new subject is opened, the same processing is performed to print the layout.
[0026]
According to the apparatus of the present invention, the ratio of plain pages is increased, and the layout of the subjects other than the ordinary deposit is printed only when necessary. Such usage is also possible. In this case, for example, in a passbook in which pre-printing of ordinary deposits is 8 pages and plain pages are 6 pages, if ordinary deposits are printed up to 7 pages and time deposits are deposited, Will be followed by the time deposit page. Then, when the savings page becomes full, the savings account page will come across the time deposits. In addition, if other courses are opened, it may be difficult for end users to see the passbook. Therefore, the table of contents of the passbook is printed on the spread of the passbook (step 148). Thus, the end user can immediately open a desired page.
[0027]
FIG. 4 is a diagram showing the printed contents of the passbook cover in the present invention.
In the flow of FIG. 3, after saving the old passbook, the new passbook is stored in the device, and the passbook is blank (shown at the top). Next, after inquiring the end user as to whether or not to create an original passbook, the guidance is displayed on the display / input unit 21 before the design printing of the cover page is performed by the printing device 3 so that the image is captured from the camera 23. The user is asked to select whether to insert the original image 46 or to use the normal design 47 without the imported design. For the end user who wants the camera image 46, the shop number, the account number, and the customer name 48 are printed on the cover design in which the image 46 is inserted and discharged. For the end user who wants the cover of the normal design 47, the shop number, account number, and customer name 48 are printed on the normal cover design 47 and discharged. It should be noted that the image 46 can be taken from the camera 23 by the end user touching the design paper to be inserted in front of the camera 23 of the passbook carry-over device.
[0028]
FIG. 5 is a diagram showing the print content of the inner sheet in the present invention.
In the flow of FIG. 3, when the end user selects the number of sheets of the passbook (step 105), the blank sheet is taken out as shown in FIG. 5A, and the optimum passbook configuration is calculated. (Step 106). When the passbook structure is calculated, as shown in FIG. 5B, the table 45 of the passbook is printed on the spread of the passbook (step 148). Here, a table of contents indicating that pages 1 to 8 are ordinary deposits, pages 9 and 10 are time deposits, page 11 is ordinary deposits, and pages 12 to 14 are plain pages are printed. .
[0029]
Next, as shown in FIG. 5C, preprinting of ruled lines and the like is performed on the inner sheet of the passbook. That is, the printing device 2 performs barcode preprinting 40, subject name preprinting 41, page number preprinting 42, record item preprinting 43, and ruled line preprinting 44.
As for the number of pages to be printed, the same printing is performed as the number shown in the table of contents of (1). Here, the same pattern of the regular deposit of the subject name preprint 42 is printed for eight sheets, then the same pattern of the time deposit of the subject name preprint 42 is printed for two sheets, and finally, one ordinary deposit is printed. Printed, the rest left blank.
[0030]
In the embodiment, subjects are assigned by printing the entire layout. However, for example, assignments can be made for each type even when an identification code is printed. For example, the identification code is printed by the bar code preprinting 40 shown in FIG. 5C, and the passbook can be handled in three stages of the most important customer, the important customer, and the normal customer with the identification code. These distinctions can be made, for example, such that the total amount of time deposits is 1,000,000 yen or more, the most important customer, 100,000 yen or more, the important customer, and less than normal customers. Also, recent financial institutions handle a wide variety of foreign currency deposits, foreign currency investment trusts, domestic deposits, domestic investment trusts, stock investments, government bonds, and other bond investments. The second type can be classified into a customer with a large amount of stock investment, a second type with a large amount of domestic deposits, and the like.
[0031]
【The invention's effect】
As described above, according to the present invention, the size of the device can be reduced by reducing the number of passbooks stocked in the device. Needless to say, the cost of the apparatus is reduced. In addition, by changing the number of pages for each subject for each end user, it is possible to reduce the number of times the passbook is carried over and to reduce waste of the passbook. In addition, by using the page of the non-established subject to another subject, it is possible to use the passbook up to the last page.
[0032]
Also, by reducing the types of passbooks to be stocked, it is possible to increase the storage capacity of one type of passbook. In addition, by creating a passbook that is used less frequently and a passbook that is more frequently used from the same plain passbook, the consumption of the passbook is made uniform. And the number of passbook refills can be reduced accordingly.
In addition, by applying the design of the cover page, by printing the end user's face or the like on the cover page, a new service to the customer is enabled.
[Brief description of the drawings]
FIG. 1 is an overall perspective view of a passbook carrying device showing one embodiment of the present invention.
FIG. 2 is a sectional view of a main part of the passbook carrying device in FIG. 1 and a detailed block diagram of a control unit.
FIG. 3 is a flowchart showing a flow of operation up to issuance of a passbook according to an embodiment of the present invention.
FIG. 4 is an explanatory diagram showing print contents of a passbook cover according to the present invention.
FIG. 5 is an explanatory diagram showing print contents of a passbook sheet in the present invention.
[Explanation of symbols]
1. Passbook printer, 2. Printing device (wire dot method),
3 printing device 3 (ink-jet method), 5 conveyance rollers, 6 conveyance motor,
7 ... old passbook, 7 '... new passbook, 8 ... control unit, 20 ... passbook carryover device,
21: display / input section, 22: passbook handling port, 23: camera,
40: pre-print barcode, 41: pre-print subject name,
42: page number pre-printing, 43: book entry pre-printing, 45: table of contents printing example,
46… Image taken from camera, 47… Design picture of passbook cover,
48 ... Printing of store number etc.

Claims (5)

A print processing device capable of printing a plurality of designs on the cover of the passbook, and item fields and ruled lines of the table on the inner sheet of the passbook,
Display means for inquiring the desired number of pages of a newly issued passbook when the passbook is carried forward;
Input means for inputting the number of pages,
Control means for determining the use information for each subject of the end user when carrying over the passbook, and changing a page ratio for each subject of the multi-passbook of the general account passbook according to the past usage frequency. apparatus. In the passbook carrying device according to claim 1,
The passbook carry-over device, wherein the print processing device prints a table of contents in which the title of each page used by the passbook is printed on a spread page of the passbook. In the passbook carrying device according to claim 1,
In addition to the above means, if the number of sheets in the newly issued passbook is the same as the old passbook, control means for instructing to issue a plurality of types of passbooks from one type of passbook,
A passbook carry-over device comprising a camera for issuing a passbook with an original cover design. In the passbook carrying forward and new issuance, and in the passbook carryover method of printing on the passbook,
When the passbook is inhaled by the passbook carry-over device, the passbook identification information, the course configuration of the passbook, information necessary for processing of the account number, and information on the use status of the user's course are read during the transportation,
It communicates with the upper host, checks whether it is a passbook for transaction processing, reads the page and contents to be printed,
If the user selects to carry over the passbook, the inhaled passbook is evacuated to the device, a new passbook is delivered,
Let the user select the number of sheets in the new passbook,
Based on the usage status of the past subjects read earlier, calculate the optimal passbook structure, assign the number of pages for each subject to the selected middle paper,
Displays the percentage of the number of pages in the assigned passbook, asks for confirmation,
When consent is obtained, print the design on the cover of the passbook, and preprint the subjects, number of pages, items and ruled lines of the confirmed percentage on the blank paper,
If the consent cannot be obtained, a passbook carry-over method is characterized in that the user is allowed to select an increase or decrease in the number of pages to be allocated, and then to print on the cover and the inner sheet of the passbook. In the passbook carryover method according to claim 4,
When allocating the number of pages for each subject to the passbook inner sheet, the plain pages without any printing are allotted by the planned number of pages,
A passbook carrying-over method, characterized in that, when it is necessary to assign a previously unused item to the plain page or when it is necessary to carry over to an ordinary deposit or time deposit, the passbook carrying method is performed.

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