JP2004164680A - Passbook handling device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a passbook handling device capable of issuing a new passbook of a design as desired by a customer and facilitating confirmation of the design when a passbook renewal has occurred. <P>SOLUTION: Two or more kinds of passbook designs are shown to a customer when passbook renewal occurs. When one of the shown designs is selected by the customer, the selected design is shown enlarged to serve as a confirmation screen. The customer checks the enlarged design to confirm the selection. Upon confirmation by the customer, a new passbook of the confirmed design is issued. <P>COPYRIGHT: (C)2004,JPO

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a passbook handling apparatus which prints unregistered transaction history and stores a plurality of passbooks in a financial institution such as a bank, and automatically issues the passbook in accordance with the bookkeeping transaction.

2. Description of the Related Art Conventionally, financial institutions such as banks have been using a cash card to deposit and withdraw cash using a cash card by using an automated teller machine (hereinafter referred to as ATM). These cash deposit / withdrawal transactions are performed by increasing / decreasing the deposit / saving balance (amount) in the deposit / saving transaction account that the user has opened, and the transaction result is printed on the passbook as transaction history information. Banks and the like handle a plurality of types of passbook-related processing tasks, and the types (subjects) of these passbooks are generally said to be about 10 to 20 types. In the devices that issue these passbooks, first, one passbook corresponding to the transaction subject is drawn out from the passbook storage unit, the customer name and account number are printed on the front cover, and then the front cover is turned over, and the customer is also printed on the back cover. The name, account number, business name, etc. are printed, the inner paper is turned up, and the details of the transaction are printed on the opened inner paper. Then, the magnetic information is recorded on the magnetic stripe provided on the back cover side, and the passbook is printed. It is conveyed to the issuing port and discharged, and the issuing process in the passbook handling device has been completed.

If the transaction content cannot be printed on the passbook in use, passbook carryover occurs and a new passbook is issued. When a new passbook is issued, for example, as disclosed in JP-A-5-73600. A new passbook issuance identification unit that contains information on whether a new passbook should be issued is provided on the magnetic stripe of the passbook, and a new passbook can be issued by inserting the passbook into a device that has a passbook issuing function. Have been.
JP-A-5-73600

However, in the conventional passbook handling apparatus, it is the staff of the teller who prepares a plurality of passbooks corresponding to the transaction items and issues a design desired by the customer. In addition, the frequency of carrying over new passbooks is low due to the inconvenience of having to stop at the counter after conducting an ATM transaction and the need to wait for passbook issuance. As a result, the transaction history information becomes an enormous amount of information, and the storage capacity of the storage device for storing the transaction history information tends to increase, which increases the capital investment burden of the storage device. The present invention has been made in view of the above-described problems, and provides a passbook handling device that can operate a passbook without any inconvenience to a customer when passbook carryover occurs, and can issue a passbook of a design desired by the customer. Aim.

In order to solve the above-mentioned problem, the present invention provides a passbook handling device capable of issuing a new passbook when there are no more printable pages in the passbook issued in correspondence with the customer account. A plurality of types of new passbook patterns are displayed to request selection of any one of the patterns, and the selected pattern is displayed in a larger scale than in the case of the selection operation, and a request is made to confirm whether or not a passbook can be issued for the pattern. It is characterized by the following.

  According to the present invention, in a passbook handling device capable of issuing a new passbook when there are no more printable pages in the passbook issued corresponding to the customer account, the new passbook pattern is displayed to the customer side to determine whether or not the passbook can be issued. In the apparatus, a new passbook to be issued is identified in the apparatus, and it is confirmed whether or not the new passbook is the relevant passbook, and then the new passbook is issued. Therefore, it is possible to prevent a wrong new passbook from being issued or a passbook having a picture not desired by the customer from being issued.

Even if a passbook carryover occurs, the customer can operate the passbook handling device without feeling annoyed and obtain a new passbook with a desired pattern, and since the passbook carryover process is promoted, a storage device for storing transaction history information is provided. There is an effect that the tendency of increase in storage capacity can be suppressed. In particular, when issuing a new passbook, the customer first displays the pictures of multiple new passbooks and selects one of them, then confirms the customer by enlarging and displaying the selected pattern , It is easy to confirm the selected picture, and more detailed confirmation is possible.

Hereinafter, a first embodiment of the present invention will be described with reference to the drawings. FIG. 1 is an external view of a passbook handling apparatus of the present invention, and FIG. 2 is a schematic configuration diagram of the passbook handling apparatus of the present invention, as viewed from the direction of arrow A shown in FIG. FIG. 3 is a control block diagram of the passbook handling apparatus of the present invention. Elements common to the drawings are denoted by the same reference numerals.

In the drawing, reference numeral 1 denotes a passbook handling device for processing the passbook 2, and a passbook print processing unit 3 for processing the passbook 2 is disposed at an upper part, and a passbook storage unit 4 for storing a plurality of passbooks 2 is disposed at a lower part. Have been. The passbook print processing unit 3 performs a printing process and the like on a passbook 2 (not shown) inserted from the passbook insertion / return port 5, and further reads and updates information recorded in the passbook 2 by a mechanism to be described later. It has a page line detecting means, a page breaking means, and the like. Reference numeral 6 denotes a customer operation unit, which is a touch panel for performing a customer guidance display for performing a transaction input by the customer and for performing an operation input. As shown in FIG. The corresponding key operation input is performed by displaying guidance of a passbook entry or by lightly touching (pressing) the key display section or the picture.

The passbook print processing unit 3 provided at the top is provided with a magnetic read / write unit 8, which reads and writes magnetic recording information on a magnetic stripe 2a (not shown) provided in advance on the back cover of the passbook 2. Has become possible. Reference numeral 9 denotes a page / line reading unit capable of optically reading a page mark 2b (not shown) of the opened passbook 2 and optically detecting a printed line. Reference numeral 10 denotes a printing unit including a printing head for performing printing processing on the passbook 2, a platen, and a driving unit for the printing head. The printing unit 10 receives transaction history information from a host device and prints out a predetermined page or line. Do.

Reference numeral 11 denotes a page break section for turning a page when a page is carried over with respect to the passbook 2 to be handled, for turning a cover or a middle sheet of the passbook 2 when a new passbook is issued, and for closing the passbook 2. It is a mechanical unit. Reference numeral 12 denotes a reject box for taking in and storing the passbook 2 that the customer has forgotten or the new passbook 2 that is determined to be inappropriate for issuance.

Reference numeral 13 denotes a passbook reversing unit. The passbook 2 to be handled is a compound subject passbook (so-called double-stripe passbook) as shown in FIG. (With magnetic stripes 2a, 2a ') in order to change the front and rear ends in the conveying direction, rotate while keeping the passbook 2 conveyed on the horizontal rotary table, and change the front and rear ends of the passbook to replace the first and second ends. And is constituted by a technique known from Japanese Patent Application Laid-Open No. Sho 61-283961.

Reference numeral 14 denotes a passbook inserted from the passbook insertion / return port 5 (a passbook already issued and owned by a customer, hereinafter referred to as a passbook 2c), which has no printable pages, and temporarily stores the passbook 2c when the passbook is carried over. This is a passbook evacuation unit for evacuation. Reference numeral 15 denotes a first transport path, which passes the passbook 2c inserted from the passbook insertion / return port 5 to the magnetic reading / writing unit 8, the page / line reading unit 9, the printing unit 10, the page break unit 11, and the reject box 12. , Which can be conveyed to the passbook reversing section 13 and the passbook retreat section 14, and is constituted by a conveyance mechanism (not shown), and is driven and controlled by the passbook print control section 16.

Reference numeral 15a denotes an insertion detector provided near the passbook insertion / return port 5. The first transport path 15 has a transport direction switching unit (not shown) at the branch to the reject box 12 and the passbook saving unit 14, but the description is omitted.

Next, an outline of the passbook storage unit 4 will be described. The passbook storage unit 4 is provided with a plurality of passbook cassettes 4a to 4f each capable of storing an unused passbook (hereinafter, referred to as a passbook 2d) of a plurality of different transaction subjects as a medium. About 100 passbooks 2d are stored. The passbook 2d is taken out of one of the passbook cassettes 4a to 4f one by one by a vertically movable medium carrier 17 provided at substantially the center of the passbook storage unit 4 and transported in the direction of arrow B. It is sent to the passbook print processing unit 3 via the upper second transport path 18.

Reference numeral 19 denotes a storage unit including a RAM, a ROM, a floppy disk, or the like in which programs for performing various controls are stored. A main control unit 20 controls the customer operation unit 6, the passbook print control unit 16, the medium carrier 17, and the storage unit 19, and is connected to a host device via an interface unit (not shown).

Reference numeral 21 denotes a power supply unit that supplies electric power to the above-described units. A plurality of types of customer guidance screens displayed on the customer operation unit 6 are stored and stored in the storage unit 19 in advance, and are sequentially displayed and controlled according to an instruction of the main control unit 20 in accordance with the progress of the transaction.

FIG. 6 is a relational chart showing the priority display order of passbooks that can be issued. The figure shows the case of the subject “Comprehensive account passbook”, and predetermined identification codes are given for each gender, age, hobbies and special skills. ing. For example, the classification of the hobby / special skill “00” indicates a case where no special hobby or special skill is declared, “01” is registered as a hobby or special skill for playing or watching sports, and “10”. Is divided into cases where the hobbies include painting, reading, and watching movies. The passbook types A, B, C, and D indicate issuable passbooks, and the order of priorities 1 to 4 is set for each device by a registration method (not shown).

Reference numeral 22 denotes a terminal controller which controls communication between the passbook handling apparatus 1 and an ATM (not shown) and the host computer 23 as a host apparatus. Reference numeral 23 denotes a host computer connected to the terminal controller 22 by a communication line, and has a storage device 24 for storing account numbers, deposit information, customer identification data, and the like for each customer.

The storage device 24 includes an account information file 24a storing transaction history information, deposit / saving balance information, customer identification data, and the like corresponding to an account number for each customer, and birth date, gender, Customer information file 24b storing blood type, hobbies, special skills, family composition, and the like, and a medium information file storing medium identification numbers, outer size information, and page mark addition information assigned in advance to each medium handled. 24c.

<Passbook entry processing>
Next, a “passbook entry” process for printing an unregistered transaction history on the passbook 2c brought by the customer will be described. When the customer approaches the passbook handling apparatus 1, the customer approach detector (not shown) detects that the customer has entered a predetermined distance range, and displays a customer guidance screen as shown in FIG. When the passbook 2c is inserted from the passbook insertion / return port 5 according to the display, the insertion detector 15a detects this and the passbook print processing unit 3 starts operating. First, the passbook 2c is transported by the transport mechanism of the first transport path 15, the customer reading information is read from the magnetic stripe 2a provided on the passbook 2c by the magnetic reading / writing unit 8, and this account information is transmitted to the host computer 23. Then, the host computer 23 starts searching for the customer account information in the storage device 24.

On the other hand, the passbook 2c starts to be conveyed toward the printing unit 10, and the page / line reading unit 9 provided in the first conveyance path 15 has a page mark 2b as page information provided at a predetermined place of the passbook 2c. And read line information that has been printed. The information read by the magnetic reading / writing section 8 and the page / row reading section 9 are collated. When the information optically read from the opened page does not match the page to be printed, a predetermined page is output by the page feed section 11. Is performed. When the unrecorded transaction history information of the customer account is returned from the host computer 23 as the customer account information, printing is performed on the passbook 2c. Here, if unrecorded transaction history information remains even after printing on all printable pages, "pass-through is carried out" (details will be described later).

When the printing is completed, the sheet is conveyed to the magnetic reading / writing section 8 in the reverse direction. At this time, the printed line printed by the page / line reading unit 9 is read and detected, and it is confirmed that a predetermined printed line has been printed. Subsequently, the magnetic read / write unit 8 updates the record information of the magnetic stripe 2 a (for example, printable page or printed line information) and discharges it to the passbook insertion / return port 5. The above is the bookkeeping process of the inserted passbook 2c. When the insertion detector 15a detects that the customer has extracted the passbook 2c, the customer guidance screen displays "Thank you. On the other hand, when the main control unit 20 sends a transaction end signal to the host computer 23, the host computer 23 updates the account information file 24a in the storage device 24.

<Passbook issuing process 1>
The operation of the first embodiment of the present invention will be described with reference to the operation flowcharts shown in FIGS. Further, here, an example is described in which the “general account passbook” is carried forward and issued with the passbook 2d stored in the passbook storage unit 4. S indicates a step. When the passbook 2c is inserted, printing of the unbooked transaction history information is sequentially performed (S1). If the unbooked transaction history information remains even after printing on all printable pages, the passbook is carried forward ( S2). At this point, when the bankbook is carried over, the last page of the bankbook 2c is printed with “carried over to the new bankbook” and the customer is informed “Sir, please carry on to the new bankbook, please wait for a while” (S3). Then, the passbook 2c is conveyed to the passbook saving section 14 and enters a temporary save (S4).

When the passbook handling apparatus 1 receives the gender, age, hobbies, special skills information, and the like of the customer from the customer information file 24b, the passbook handling apparatus 1 displays the pattern of the issuable passbook 2d stored in the storage unit 19 (S6). In this display, the passbook type to be displayed preferentially is determined according to the relationship chart shown in FIG. For example, as shown in FIG. 9, the patterns are a plurality of types of patterns (201 to 204), and a customer's desired passbook can be selected. When the customer looks at the passbook cover picture and presses the desired picture display section (S7), when the picture 201 is selected, the main control section 20 displays only that picture as shown in FIG. S8), "Press the confirmation button if you like" is displayed and confirmation is requested (S9). If the customer presses the "cancel" key in step S9, the display returns to the picture screen displayed in step S6 (FIG. 9).

In addition, as shown in FIG. 11, if a part of the cover picture is displayed in a superimposed manner together with the priority from the customer information, various types of passbooks can be displayed in a size close to the actual one without reducing the display. .
When the passbook 2d (general account passbook) to be issued is selected and the "confirmation" key is pressed, an issuance instruction is transmitted (S9), and the medium carrier 17 is moved to the storage location of the general account passbook in the passbook storage unit 4. Then, the passbook 2d is fetched into the medium carrier 17 by a predetermined operation only in one volume (S10). The medium carrier 17 holding the passbook 2d moves in the direction of arrow B, rises to the position shown by the dashed line, and stops. Subsequently, the transport means in the medium carrier 17 is controlled to deliver the passbook 2d to the second transport path 18.

The passbook 2d held in the second transport path 18 is transported to the first transport path 15 and transported to the magnetic reading / writing unit 8 to read the magnetic stripe 2a of the passbook 2d (S11). When the medium identification information indicating the passbook 2d requested by the customer is detected by this reading (S12), the process proceeds to the next process and the new passbook issuing process (S13) is started.

In step S12, when medium identification information different from the passbook 2d requested by the customer (for example, the fact that the passbook is a savings passbook) is detected, the passbook 2d is first taken into the reject box 12 (S14). Then, the operation of moving the medium carrier 17 again and taking in the passbook 2d into the medium carrier 17 by one predetermined operation is repeated (S10 to S12). If the medium identification information different from the passbook 2d requested by the customer is detected even if the repetition operation is performed a predetermined number of times, the number of times exceeds the number (S15), the error processing is started, and the processing shifts to a staff member (S16).

Next, the new passbook issuing process shown in step 13 will be described. When it is confirmed by reading by the magnetic read / write unit 8 that it is a predetermined “general account passbook”, it is conveyed to the printing unit 10 and the customer name and account number are printed on the cover, and then printed on the inner paper. To do so, a cover turning operation is required. When the sheet is conveyed to the page break section 11 and the cover is turned in a predetermined procedure and the cover is opened, the sheet is conveyed to the page / line reading section 9 and the page mark 2b of the opened page is read. After confirming that it is present, the sheet is again conveyed to the printing unit 10 and the customer's name, account number, business office name, telephone number, etc. are printed on the back of the cover. Subsequently, it is re-sent to the page breaker 11, turns over the inner sheet, prints the unrecorded transaction history information by the printing unit 10, and finally conveys it to the magnetic reading and writing unit 8 and stores the customer information such as the account number on the magnetic stripe 2 a. Magnetically record information.

Here, when the “general account passbook” is a complex subject passbook, the page closing operation of the passbook 2d opened in the page break section 11 is executed. At this time, control is performed so that the lower (back side) pages of the passbook 2d are closed upward so that the back cover side faces upward. Next, the sheet is conveyed to the passbook reversing unit 13, and is returned to the printing unit 10 after being horizontally rotated by 180 degrees. As a result, the back cover side faces the print head, and printing on the back cover can be performed by the same control as that for the front cover.

Subsequently, the operation of the closed passbook 2d is such that the customer name and the account number are printed on the back cover in the printing unit 10. Hereinafter, the back cover turning operation is performed for printing on the middle paper in the same manner as the processing on the front cover. When the sheet is conveyed to the page feed section 11 and executed according to a predetermined procedure, the sheet is conveyed to the page / line reading section 9 to check whether the opened page is the page to be printed in the same manner as described above, and again the printing section. 10 to print the unrecorded transaction history information, and then to the magnetic read / write unit 8 to perform magnetic recording on the magnetic stripe 2a 'provided on the front side.

Although it has been described that the closing operation of the back cover is performed and then reversed by the passbook reversing unit 13, the closing operation may be performed first after the reverse operation. It is needless to say that the print may be performed.

Return to the description of the operation flowchart again. When the recording of the magnetic information is completed, a message "Sir, wait a minute, please receive a new passbook" is notified (S17), and the passbook 2d is conveyed to the passbook insertion / return port 5 (S18). When the insertion detector 15a detects the removal of the passbook 2d (S19), the process shifts to returning the passbook 2c temporarily evacuated to the passbook saving unit 14, but the extraction of the passbook 2d is not performed for a predetermined time in step S19. When this is detected by the time monitoring (S20), the passbook handling apparatus 1 determines that the passbook 2d has been forgotten, and takes the passbook 2d into the reject box 12 (S21).

In returning the passbook 2c, the pay information is recorded on the magnetic stripe 2a by the magnetic read / write unit 8, and then the passbook 2c is transported to the passbook insertion / return port 5 (S22). When the insertion detector 15a detects the removal of the passbook 2c (S23), the processing in the passbook print processing unit 3 is completed.

If it is detected by the time monitoring that the passbook 2c has not been removed for a predetermined time in step S23 (S24), the passbook handling apparatus 1 determines that the passbook 2c has been forgotten and takes the passbook 2c into the reject box 12 (step S23). S21). When the insertion detector 15a detects that the customer has extracted the passbook 2c, the customer guidance screen is displayed as "Thank you, I am looking forward to coming to the store again" (S25).

On the other hand, when the main control unit 20 sends a transaction end signal to the host computer 23, the host computer 23 updates the account information file 24a in the storage device 24, and the passbook handling device 1 records a transaction journal (not shown). All the operations are completed (S26).

<Passbook issuing process 2>
Next, a second embodiment of the present invention will be described with reference to a system configuration diagram shown in FIG. 12 and operation flowcharts shown in FIGS. Note that, in the present embodiment, an example is also described in which the “general account passbook” is carried forward and issued with the passbook 2d stored in the passbook storage unit 4. S indicates a step.

In the figure, reference numerals 7a, 7b, and 7c denote ATMs, which are connected to a host computer 23 by a terminal controller 22. Further, the passbook handling apparatus 1 is also connected to the terminal controller 22 described above. In addition, it is assumed that the customer has previously performed a transaction using the passbook 2c (traffic transaction) using the ATM 7, and has accepted the operation for receiving the passbook 2d by the passbook handling apparatus 1 due to the passbook carryover. .

When the customer approaches the passbook handling apparatus 1, a customer approach detector (not shown) detects that the customer has entered a predetermined distance range (S31), and displays a customer guidance screen as shown in FIG. 4 (S32). . When the passbook 2c is inserted from the passbook insertion / return port 5 according to this display, the insertion detector 15a detects this (S33), and the passbook print processing unit 3 starts operating.

First, the passbook 2c is transported by the transport mechanism of the first transport path 15, and the customer reading information is read from the magnetic stripe 2a provided on the passbook 2c by the magnetic read / write unit 8 (S34). According to the customer account information, the message "XX, a new passbook will be issued, please wait for a while," is displayed to the customer (S35), a notification that the passbook will be issued is sent, and this account information is transmitted to the host computer 23. (S36). On the host computer 23 side, it is confirmed from the account information that the passbook is required to be carried over (S37), and the passbook 2c is conveyed to the passbook saving unit 14 and temporarily saved (S38).

When the passbook handling apparatus 1 receives the gender, age, hobby, special skill information, and the like of the customer from the customer information file 24b, the passbook handling apparatus 1 displays a passbook pattern that can be issued in accordance with the priority display criteria stored in the storage unit 19 (S39). These patterns are a plurality of types of patterns (201 to 204) as shown in FIG. 9, and allow a customer to select a desired passbook. When the customer looks at the passbook cover picture and presses the desired picture display section (S40), the main control section 20 displays only the picture of the selected passbook as shown in FIG. 10 (S41), and displays the message "OK. If it is, press the "confirm" button "is displayed and confirmation is requested (S42). If the customer presses the "cancel" key at step S42, the display returns to the picture screen displayed at step S39.

When a passbook to be issued is selected and an instruction to issue a "general account passbook" is transmitted, the medium carrier 17 is moved to the storage location of the general account passbook in the passbook storage unit 4 and only one book is stored in the medium carrier 17 by a predetermined operation. Then, the passbook 2d is imported (S43). The medium carrier 17 holding the passbook 2d moves in the direction of arrow B shown in FIG. 2 and rises to the position shown by the dashed line and stops. Subsequently, the transport means in the medium carrier 17 is controlled to deliver the passbook 2d to the second transport path 18.

The passbook 2d held in the second transport path 18 is transported to the first transport path 15 and transported to the magnetic read / write unit 8 to read the magnetic stripe 2a of the passbook 2d (S44). When the medium identification information of the passbook 2d requested by the customer is detected by this reading (S45), the process proceeds to the next process and the above-described new passbook issuing process (S46) is started.

In step S45, when medium identification information different from the passbook 2d requested by the customer is detected, the passbook 2d is first taken into the reject box 12 (S47). Then, the operation of moving the medium carrier 17 again and taking in the passbook 2d into the medium carrier 17 by a predetermined operation is repeated (S43 to S45). If medium identification information different from the passbook 2d requested by the customer is detected (S48) even if the repetition operation is performed a predetermined number of times (S48), error processing is performed as the number of times is exceeded, and the process shifts to staff handling (S49). The new passbook issuance process of transporting the data to the printing unit 10 to perform printing of unrecorded data, and transporting the data to the magnetic read / write unit 8 to perform magnetic recording on the magnetic stripe 2a is completed.

When the recording of the magnetic information is completed, the user is notified that "Sir, wait for me, there are two passbooks, please pick up from the new passbook first" (S50), and the passbook 2d is conveyed to the passbook insertion return port 5. (S51). When the insertion detector 15a detects the removal of the passbook 2d (S52), it informs "Please receive another passbook" and shifts to returning the passbook 2c temporarily saved in the passbook saving unit 14. If it is detected in step S52 that the passbook 2d has not been removed for a predetermined time (S53), the passbook handling apparatus 1 determines that the passbook 2d has been forgotten, and takes the passbook 2d into the reject box 12 ( S54).

Next, when returning the passbook 2c, the pay information is magnetically recorded on the magnetic stripe 2a by the magnetic read / write unit 8 (S55), and then the passbook 2c is transported to the passbook insertion / return port 5 (S56). When the insertion detector 15a detects the removal of the passbook 2c (S57), the processing in the passbook print processing unit 3 is completed. If it is detected in step S57 that the passbook 2c has not been removed for a predetermined time (S58), the passbook handling apparatus 1 determines that the passbook 2c has been forgotten and takes the passbook 2c into the reject box 12 (step S58). S54).

When the insertion detector 15a detects that the customer has extracted the passbook 2c, the customer guidance screen is displayed as "Thank you, I'm looking forward to coming to the store again" (S59). . On the other hand, when the main controller 20 sends a transaction end signal to the host computer 23, the host computer 23 updates the account information file 24a in the storage device 24, and the passbook handling device 1 records it in a transaction journal (not shown). The transaction ends (S60).

<Passbook issuing process 3>
Next, a third embodiment will be described. FIG. 15 is an external view of a passbook handling apparatus according to a third embodiment of the present invention, and FIG. 16 is a control block diagram. The difference from the description of the first and second embodiments is that the card processing unit 30 shown in FIGS. 15 and 16 is added. FIG. 17 shows the details of the card processing unit 30. The system configuration is the same as that described in the second embodiment.

ATMs 7a, 7b and 7c are connected to a host computer 23 by a terminal controller 22. Further, the passbook handling device 1a is also connected to the terminal controller 22 described above. Reference numeral 30 denotes a card processing unit having a card insertion port 31 located on the right side of the passbook insertion / return port 5 as shown in the figure. Reference numeral 32 denotes a so-called cash card issued to a customer and used for withdrawal transactions and the like ( Hereinafter, it is referred to as a customer card). An insertion detector 33a is provided in the card transport path 33 and detects the insertion of the customer card 32 inserted from the card insertion slot 31.

Numeral 34 denotes a transport roller, which is provided at an interval capable of transporting the customer card 32 in the card transport path 33, and transports the customer card 32 by being rotated by a driving unit (not shown). Numeral 35 denotes a magnetic reading unit which reads magnetic recording information recorded as customer information from a magnetic stripe 32a provided on the customer card 32. Numeral 36 denotes a stacker for taking in the customer card 32, for temporarily storing when the customer forgets to take it and leaves the passbook handling apparatus 1a.

Next, the case where the "savings bankbook" is carried forward and issued will be described with reference to the operation flowcharts shown in FIGS. In addition, the customer performs a transaction (passed transaction) using the passbook using the ATM 7 or the like in advance, wishes to carry over the passbook, receive the new passbook by the passbook handling device 1a, and It is assumed that the user owns.

When the customer approaches the passbook handling apparatus 1a, the customer approach detector (not shown) detects that the customer has entered a predetermined distance range, and displays a customer guidance screen as shown in FIG. If the "Issue carry forward" key is pressed according to the display (S61), "Please insert a card" is displayed and the insertion of the customer card 32 is prompted (S62). When the customer inserts the customer card 32 through the card insertion slot 31 (S63), the insertion detector 33a detects this and the card processing unit 30 starts operating.

First, the transport roller 34 clamps and rotates the customer card 32 to transport it to the internal magnetic reading unit 35 and reads customer account information from the magnetic stripe 32a provided on the customer card 32. When the customer account information is transmitted to the host computer 23, the host computer 23 starts searching for account information corresponding to the received information.

When the customer's account is specified and it is confirmed that the bankbook has not been carried over, the customer is notified, "Please, enter a new passbook, we will issue a new bankbook." A keyboard or the like is displayed (S64). When the customer inputs a predetermined number of digits (S65), this input information is also transmitted to the host computer 23 (S66). The host computer 23 collates the password with the password in the account information file 24a (S67). If the password matches, the host computer 23 transmits the customer information to the passbook processor 1a (S68).

If the password entered by the customer is not matched as a result of collation on the host computer 23 side, the customer operation unit 6 indicates that "the password is different, please enter the password again". It is displayed and a re-input request is made (S69). If the number of re-entry times is counted and the number is exceeded (S70), a message "The transaction cannot be made because the password is different. Please come to the nearest window" is displayed and the customer card 32 is inserted into the card slot 31. (S71).

The passbook handling device 1a monitors the removal of the customer card 32 by the insertion detector 33a for a predetermined time, and when the customer card 32 is removed, returns to the initial screen shown in FIG. 4 (S72). When the customer approach detector stops detecting the customer, the display shifts to the standby screen display.

When the passbook handling apparatus 1a receives the gender, age, hobby, special skill information, and the like of the customer from the customer information file 24b, the passbook handling apparatus 1a displays the picture of the passbook that can be issued according to the priority display criteria stored in the storage unit 19 (S73). As for this picture, a plurality of pictures of an ordinary bankbook that can be issued are displayed, and a customer's desired passbook can be selected. When the customer looks at the picture and presses the desired display section (S74), the main control section 20 displays only the picture of the selected passbook 2d and displays "If you like, press the" confirm "button." Confirmation is requested (S75). If the customer presses the "cancel" key in step S76, the display returns to the picture screen displayed in step S73.

When the passbook 2d to be issued is selected and an instruction to issue a “savings passbook” is transmitted, the medium carrier 17 is moved to the storage location of the savings passbook in the passbook storage unit 4 and only one medium carrier 17 is operated by a predetermined operation. Then, the passbook 2d is taken in (S77). The medium carrier 17 holding the passbook 2d moves in the direction of arrow B shown in FIG. 2 and rises to the position shown by the dashed line and stops. Subsequently, the transport means in the medium carrier 17 is controlled to deliver the passbook 2d to the second transport path 18.

The passbook 2d held in the second transport path 18 is transported to the first transport path 15 and transported to the magnetic read / write unit 8 to read the magnetic stripe 2a of the passbook 2d (S78). When the medium identification information of the passbook 2d requested by the customer is detected by this reading (S79), the processing shifts to the next processing and the new passbook issuing processing (S80) described above is started. In step S78, when medium identification information different from the passbook 2d requested by the customer is detected, the passbook 2d is first taken into the reject box 12 (S81). Then, the operation of moving the medium carrier 17 again and taking in the passbook 2d into the medium carrier 17 by one predetermined operation is repeated (S77 to S79). If the medium identification information different from the passbook 2d requested by the customer is detected (S82) even if the repetition operation is performed a predetermined number of times (S82), the number of times is exceeded, the error processing is started, and the processing shifts to staff handling (S83).

When the above-mentioned new passbook issuance processing is completed for the passbook 2d and the recording of the magnetic information is completed, a message "XX, wait a minute, please receive the card and a new passbook" is notified (S84), and the card The processing section 30 starts transporting the customer card 32 held by the magnetic reading section 35 and discharges the customer card 32 to the card insertion slot 31 (S85). When the insertion detector 33a detects the removal of the customer card 32 (S86), the process proceeds to discharge of the new passbook 2d. If it is detected that the customer card 32 has not been removed for a predetermined time (S87), the passbook handling apparatus 1a determines that the customer card 32 has been forgotten and takes the customer card 32 into the stacker 36 (S88). .

Next, the passbook 2d is transported to the passbook insertion / return port 5 (S89). When the insertion detector 15a detects the removal of the passbook 2d (S90), the customer guidance screen displays "Thank you. I'm looking forward to coming to the store again" (S91). When it is detected that the passbook 2d has not been removed for a predetermined time (S92), the passbook handling apparatus 1a determines that the passbook 2d has been forgotten, and takes the passbook 2d into the reject box 12 (S93).

On the other hand, when the main control unit 20 sends a transaction end signal to the host computer 23, the host computer 23 updates the account information file 24a in the storage device 24 (S94). In the above description, the customer card 32 is ejected first, and then the new passbook 2d is ejected. Needless to say, it is possible to control the new passbook 2d to be discharged first and the customer card 32 to be continuously discharged.

<Passbook issuing process 4>
Next, a fourth embodiment will be described. FIGS. 20 and 21 are operation flowcharts of the fourth embodiment of the present invention. The difference from the description of the third embodiment is that processing is performed by a bank-dedicated card instead of a customer card. .

In this description, a case will be described in which the “saving passbook” is carried forward. In the same manner as in the above-described embodiment, the customer uses the ATM 7 to execute a transaction (passing transaction) using the passbook 2c in advance, and a passbook is carried over to receive a new passbook by the passbook handling device 1a. Description will be made assuming that the dedicated card 38 as shown in FIG. 22 has been lent as an operation medium. Further, in the host computer 23, when the ATM 7 or the like issues the special card 38, the customer identification information and the card information are linked and stored.

When the customer carries the dedicated card 38 and approaches the passbook handling apparatus 1a, the customer approach detector (not shown) detects that the customer has entered a predetermined distance range, and displays a customer guidance screen as shown in FIG. I do. When the "Issue carry forward" key is pressed according to the display (S101), "Please insert a special card" is displayed and the customer is prompted to insert the special card 38 (S102). When the customer inserts the special card 38 from the card insertion slot 31 (S103), the insertion detector 33a detects this and the card processing unit 30 starts operating.

First, the transport roller 34 transports the card to the internal magnetic reading unit 35 by sandwiching and rotating the dedicated card 38, and reads card information from the magnetic stripe 38a provided on the dedicated card 38 (S104). The customer is notified that "a new passbook will be issued, so please wait for a while" (S105). In step S104, if the card reading is defective, error processing is performed (S106). However, there may be cases where a card other than the dedicated card 38 or a front or back card is inserted by mistake, but this is omitted because it is not related to the present invention. I do. When the card information read from the special card 38 is transmitted to the host computer 23 (S107), the host computer 23 starts searching for customer information corresponding to the card information.

When the customer account is specified and it is confirmed that the passbook has not been carried over, the passbook handling apparatus 1a receives the gender, age, hobby, special skill information, etc. of the customer from the customer information file 24b (S108), and stores it in the storage unit. The picture of the passbook is displayed according to the priority display criterion stored in 19 (S109). This picture displays a plurality of cover pictures of the ordinary passbook that can be issued, and allows the customer to select a desired passbook.
When the customer looks at the picture and presses the desired display section (S110), the main control section 20 displays only the picture of the selected passbook 2d and displays "Press the" Confirm "button if you like." Confirmation is requested (S111). If the customer presses the "cancel" key in step S112, the display returns to the picture screen displayed in step S109.

When the passbook 2d to be issued is selected and an instruction to issue a “savings passbook” is transmitted, the medium carrier 17 is moved to the storage location of the savings passbook in the passbook storage unit 4 and only one medium carrier 17 is operated by a predetermined operation. Then, the passbook 2d is taken in (S113). The medium carrier 17 holding the passbook 2d moves in the direction of arrow B shown in FIG. 2 and rises to the position shown by the dashed line and stops. Subsequently, the transport means in the medium carrier 17 is controlled to deliver the passbook 2d to the second transport path 18.

The passbook 2d held in the second transport path 18 is transported to the first transport path 15 and transported to the magnetic read / write unit 8 to read the magnetic stripe 2a of the passbook 2d (S114). When the medium identification information of the passbook 2d requested by the customer is detected by this reading (S115), the process proceeds to the next process and the new passbook issuing process (S116) is started. In step S115, when medium identification information different from the passbook 2d requested by the customer is detected, the passbook 2d is first taken into the reject box 12 (S117). Then, the operation of moving the medium carrier 17 again and taking in the passbook 2d into the medium carrier 17 by a predetermined operation is repeated (S113 to S115). If the medium identification information different from the passbook 2d requested by the customer is detected even after the repetition operation is performed a predetermined number of times (S118), error processing is performed as the number of times exceeds, and the processing shifts to a staff member or the like (S119).

When the above-described new passbook issuance processing is completed for the passbook 2d and the recording of the magnetic information is completed, a notification is sent to "Sir, wait a minute, please receive a new passbook" (S120), and the passbook 2d is inserted. It is transported to the return port 5 (S121). When the insertion detector 15a detects the removal of the passbook 2d (S122), the customer operation ends. When the customer detects that the insertion detector 15a has pulled out the passbook 2d, the customer guidance screen displays "Thank you, Mr. XX, waiting for another visit" (S123). If it is detected that the passbook 2d has not been removed for a predetermined time (S124), the passbook handling apparatus 1a determines that the passbook 2d has been forgotten, and takes the passbook 2d into the reject box 12 (S125).

The card processing unit 30 starts to convey the dedicated card 38 held by the magnetic reading unit 35 and stores it in the stacker 36 (S126). On the other hand, when the main control unit 20 sends a transaction end signal to the host computer 23, the host computer 23 executes updating of the account information file 24a in the storage device 24 (S127).

<Passbook issuing process 5>
Next, a fifth embodiment will be described. The difference between the fifth and third and fourth embodiments of the present invention is that the iris data processing unit 40 is added as shown in the external view of FIG. 23 instead of the card processing unit. FIG. 24 shows the iris data processing unit. In the present embodiment, a case will be described in which a “general account passbook” is carried forward, but the customer conducts a transaction using the passbook 2c using an ATM 7 or the like in advance, and passbook carryover occurs, and the passbook handling device 1b Has accepted the receipt of a new passbook.

In FIG. 24, reference numeral 41 denotes a camera, which collects unique data of the customer's body, particularly the face and eyes, etc., and a rotation mechanism 42 including a motor for rotating the camera 41 in a vertical direction and a horizontal The iris image processing unit 44 has a rotation mechanism 43 including a motor or the like for rotating the camera 41 in the direction, and can move the visual field within a predetermined angle range. Processing is performed. The iris image processing unit 44 has a function of processing an image of an eyeball photographed from a customer by the camera 41 into iris data. In this embodiment, the passbook handling device 1 and the ATM 7 are also connected to the host computer 23 by the terminal controller 22 as described with reference to FIG.

To briefly explain the iris data, the pattern of the surface layer of the human eyeball, especially the iris, is formed of patterns such as radial black streaks and outer contours around the lens, and this pattern was completed in childhood. The right eye and the left eye are different for each individual and even for the same person. Therefore, the use of this iris pattern results in data with particularly excellent personal identification ability.

The iris pattern is optically scanned along a predetermined line, and light and dark extracted by the scanning are digitally encoded and referred to as iris data. The main control unit 20 issues a shooting instruction to the camera 41 via the iris image processing unit 44, and the iris image processing unit 44 collects surrounding moving image data, compares it with moving image data several frames earlier, and Detects parts that involve data changes.

Such a portion is detected, and the shape of the portion is compared with the shape of the human body stored in advance in the storage unit 19 to determine whether or not the shape is close to the shape of the human body. Is determined to be a "human body". Then, the "face" is extracted from the identified human body, the position of the "eye" is subsequently specified, the iris data of the eye is read, and image processing is performed for use in personal identification.

When the customer approaches the passbook handling apparatus 1b, the customer approach detector (not shown) detects that the customer has entered a predetermined distance range, and displays a customer guidance screen as shown in FIG. When the "Issued carryover" key is pressed according to the display (S131), "Confirm customer" is displayed, and the rotation mechanisms 42 and 43 of the camera 41 are controlled (S132) to acquire the iris image of the customer. To start. When the iris data is acquired by the above-described procedure (S133), the iris data is transmitted to the host computer 23 (S134), and is temporarily stored in the storage unit 19 of the passbook handling apparatus 1b.

The iris data transmitted to the host computer 23 is searched against the customer account file 24a of the storage device 24 and the iris data for each customer stored in advance (S135), and from the matched iris data, the name and account number of the corresponding customer Is returned to the passbook handling apparatus 1b, and the passbook entry mode is set (S136). When the customer account is specified and it is confirmed that the passbook has not been carried over, the customer is informed that "○, a new passbook will be issued, please wait for a while" (S137).

The passbook handling apparatus 1b displays the picture of the passbook from the customer information file 24b according to the priority display criteria stored in the storage unit 19 based on the gender, age, hobby, special skill information, etc. of the customer (S138). At this time, for example, if the customer is 60 years old (60th birthday), the user can select whether or not he / she wants a picture by displaying a passbook of a “celebration” picture as shown in FIG.

When the customer looks at the picture and presses the "confirm" button (S139), the main control unit 20 displays the picture of the selected passbook 2d and displays "If you like, press the" confirm "button again." Confirmation is requested (S140). If the customer presses the "next candidate" key in step S139, the display returns to the picture screen displayed in step S138. In step S135, the iris data is collated on the side of the host computer 23. If the customer does not need to carry over the passbook, if the corresponding customer cannot be identified, or if the iris data cannot be acquired, a guidance display to the window is displayed. The details will be omitted because they do not relate to the present invention.

When the passbook 2d to be issued is selected and an instruction to issue a "general account passbook" is transmitted, the medium carrier 17 is moved to the storage location of the general account passbook in the passbook storage unit 4, and only one medium carrier 17 is operated by a predetermined operation. Then, the passbook 2d is taken in (S142). The medium carrier 17 holding the passbook 2d moves in the direction of arrow B shown in FIG. 2 and rises to the position shown by the dashed line and stops. Subsequently, the transport means in the medium carrier 17 is controlled to deliver the passbook 2d to the second transport path 18.

The passbook 2d held in the second transport path 18 is transported to the first transport path 15 and transported to the magnetic read / write unit 8 to read the magnetic stripe 2a of the passbook 2d (S143). When the medium identification information of the passbook 2d requested by the customer is detected by this reading (S144), the process proceeds to the next process and the new passbook issuing process (S145) is started. In step S144, when medium identification information different from the passbook 2d requested by the customer is detected, the passbook 2d is first taken into the reject box 12 (S146). Then, the operation of moving the medium carrier 17 again and taking in the passbook 2d into the medium carrier 17 by a predetermined operation is repeated (S142 to S144). If the medium identification information different from the passbook 2d requested by the customer is detected (147) even if the repetition operation is performed a predetermined number of times (147), the error processing is executed as the number of times is exceeded, and the processing shifts to a staff member or the like (S148).

In parallel with the new passbook issuing process in step S145, iris data is collected again (S149). The re-collected iris data is compared with the iris data stored in the storage unit 19 (S150), and if they match, it is determined that the same person. When the above-described new passbook issuance processing is completed for the passbook 2d and the recording of the magnetic information is completed, a notification is sent to “Sir, wait a minute, please receive a new passbook” (S151). The passbook 2d is transported to the passbook insertion / return port 5 (S152), and when the insertion detector 15a detects the removal of the passbook 2d (S153), the customer operation ends.

When the customer detects that the insertion detector 15a has pulled out the passbook 2d, the customer guidance screen displays "Thank you. We are looking forward to coming to the store again" (S154). If it is detected that the passbook 2d has not been removed for a predetermined time (S155), the passbook handling apparatus 1b determines that the passbook 2b has been forgotten, and takes the passbook 2b into the reject box 12 (S156). On the other hand, when the main controller 20 sends a transaction end signal to the host computer 23, the host computer 23 updates the account information file 24a in the storage device 24 (S157).

If the iris data does not match in step S150, the collected iris data is transmitted to the host computer 23, customer information is searched, and if it is determined from the customer information file 24c that they are the same family, Proceed with the issuing process. However, in the case of other inconsistencies, it is determined that the customer has been replaced, and the customer in front of the passbook handling device 1b displays, for example, "Please wait a little since the transaction of the previous customer has not been completed." (S158). If the number of times is exceeded by repeating steps S149 to S150 (S159), the process proceeds to step S156.

If it is not detected that the previous customer has returned within the predetermined time, it is needless to say that the customer is forgotten. As described above, in the first to fifth embodiments, the passbook displayed on the customer operation unit has been described as displaying different “patterns”. It goes without saying that it is possible to do so.

BRIEF DESCRIPTION OF THE DRAWINGS It is an external view which shows the passbook handling apparatus of the 1st, 2nd embodiment of this invention. It is a schematic structure figure of the passbook handling device of the present invention. FIG. 3 is a control block diagram according to the first and second embodiments of the present invention. It is explanatory drawing which shows the example of a display of the customer guidance screen of this invention. It is an explanatory view showing a compound subject passbook. It is a relation chart which shows the priority display order of the passbook which can be issued of the present invention. 4 is an operation flowchart of the first embodiment of the present invention. 4 is an operation flowchart of the first embodiment of the present invention. It is explanatory drawing which shows the example of a display of the customer guidance screen of this invention. It is explanatory drawing which shows the example of a display of the customer guidance screen of this invention. It is explanatory drawing which shows the example of a display of the customer guidance screen of this invention. It is a system configuration diagram showing the second to fifth embodiments of the present invention. 6 is an operation flowchart according to the second embodiment of the present invention. 6 is an operation flowchart according to the second embodiment of the present invention. It is an external view of the passbook handling apparatus of the 3rd, 4th embodiment of this invention. It is a control block diagram of the 3rd, 4th embodiment of this invention. It is a side view showing the 3rd and 4th embodiments of the present invention. 13 is an operation flowchart of the third embodiment of the present invention. 13 is an operation flowchart of the third embodiment of the present invention. 14 is an operation flowchart of the fourth embodiment of the present invention. 14 is an operation flowchart of the fourth embodiment of the present invention. FIG. 14 is an explanatory diagram of a dedicated card according to a fourth embodiment of the present invention. It is an outline view of a passbook handling device of a fifth embodiment of the present invention. It is a side view showing a 5th embodiment of the present invention. 14 is an operation flowchart of the fifth embodiment of the present invention. 14 is an operation flowchart of the fifth embodiment of the present invention. It is explanatory drawing which shows the example of a display of the customer guidance screen of this invention.

Explanation of reference numerals

1, 1a, 1b Passbook handling device 2 Passbook 2a, 2a 'Magnetic stripe 2b Page mark 2c Passbook (distribution passbook)
2d passbook (new passbook)
3 passbook print processing unit 4 passbook storage unit 5 passbook insertion / return port 6 customer operation unit 17 medium carrier 23 host computer 30 card processing unit 32 customer card 38 dedicated card 40 iris data processing unit 41 camera

Claims (4)

A passbook handling device that can issue a new passbook when there are no more printable pages in the passbook issued for the customer account,
When the new passbook is issued, a plurality of types of patterns of the new passbook are displayed to the customer, and a selection operation of one of the patterns is requested, and the selected pattern is displayed in a larger scale than in the case of the selection operation. A passbook handling apparatus which requests a confirmation operation of whether or not a picture passbook can be issued. The passbook handling device according to claim 1,
A passbook handling device characterized in that a new passbook to be issued is identified in the device, and whether or not the passbook is a relevant passbook is issued before the new passbook is issued. The passbook handling device according to claim 1,
A passbook handling apparatus in which a plurality of types of passbook patterns to be displayed are displayed with some of them superimposed. The passbook handling device according to claim 1,
The passbook handling device, wherein the picture confirmed by the customer is a cover picture of a passbook which is selected from a plurality of types and displayed singly.

Images