JP2005301711A - Bankbook and business form processor - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a small, comparatively inexpensive and highly functional device which can shorten a processing period of time and enhance a carrying performance in a device handling a bankbook and a business form. <P>SOLUTION: The bankbook and business form processor is provided with: a bankbook inserting port and a business form inserting port; and a business form transportation path provided with a branch merged with between the bankbook inserting port of a major transportation path and a printing section and addressed to a business form collection section, and a picture reading section, where, the major transportation path is provided with a magnetic processing section, an optical reading section for the bankbook, the printing section, and a page flipping section which are required form processing the bankbook. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a passbook / form processing apparatus mounted on an automatic transaction apparatus used in a financial institution such as a bank.

  As a prior art regarding the present invention, for example, there is one described in Japanese Patent Laid-Open No. 2003-91765 (Patent Document 1). In this gazette, as a form processing device, a passbook and a form insertion port are made into a single insertion opening, and a processing function for the passbook and the form is provided on one transport path, thereby processing the passbook and the form. Is unitized.

In addition, in this publication, as a form processing apparatus, a passbook and a form insertion port are made common to form a single insertion opening, and a conveyance path connected to the insertion opening is branched for the book and for the form, and for the passbook and the form. There is also a technique in which a printing unit and a reading unit are provided in each conveyance path for processing.
Japanese Patent Laying-Open No. 2003-91765 (see FIG. 2, paragraphs (0017) to (0018))

  In an automatic transaction apparatus used in a financial institution or the like, downsizing of the apparatus is required due to space saving of an installation place and securing a maintenance area. In the above-described conventional technology, when processing both a passbook and a form in a transaction of one customer, it is necessary to inhale the passbook after the form is temporarily retracted in order to perform the passbook processing. Furthermore, after the passbook processing is completed and the passbook is discharged, when performing a series of processes such as printing on a form, reading a form print result, and collecting a form, the form is not transported in one direction but is reciprocating along the transport path. As a result, the processing time becomes long.

  Also, having all the processing functions on one conveyance path, and in reading the form, it is necessary to convey and read from the top to the bottom of the form, so it is necessary to configure the conveyance path to be long, It is difficult to reduce the size of the device.

  On the other hand, in the conventional technology having a structure in which a single insertion port is provided and the conveyance path is branched for a book and a form, and each conveyance path includes a printing unit and a reading unit, the above problem is solved. Becomes expensive.

  The problem of the present invention is that, in view of the above-described conventional situation, in a form processing apparatus for processing a passbook or a form, (1) for example, when one customer performs a passbook process and a form process, it can be processed in a short time (2) The apparatus can be downsized, (3) The passbook / form transport performance can be improved (4) The apparatus can be made inexpensive, (5) The operation can be improved, etc. It is.

  In order to solve the above-described problems, in the present invention, in the passbook / form processing apparatus that is basically made into one unit, a form transport that includes a passbook insertion slot and a form insertion slot and transports a form inserted from the form insertion slot. The path includes a branch to the form collection unit and a form reading unit, and the form conveyance path joins between the passbook insertion port and the printing unit to the main conveyance path for conveying the passbook inserted into the passbook insertion port.

  The main transport path includes a magnetic processing unit, a passbook optical reading unit, a printing unit, and a page changing unit necessary for processing the passbook. The main transport path includes a retreat path that can temporarily retract the passbook. With branches. In addition, a rear passbook transport path for transporting the passbook upward from the last part of the main transport path is provided, and a passbook issuing unit can be connected to the rear passbook transport path.

  According to the passbook / form processing apparatus of the present invention, the passbook process and the form process can be performed in a short time, the apparatus can be reduced in size, and an inexpensive apparatus can be provided. Further, the conveyance performance can be improved and the function can be improved.

  Embodiments of the present invention will be described below with reference to the drawings.

  1 to 3 are explanatory views of an embodiment of the present invention. FIG. 1 is a diagram illustrating a configuration example of a passbook / form processing apparatus according to the present invention, FIG. 2 is a diagram illustrating an example of a processing procedure in the passbook / form processing apparatus according to the present invention, and FIG. 3 is a diagram illustrating a shape of a passbook.

  In FIG. 1, 60 is a passbook / form processing device, 1 is a passbook, 2 is a form, 3 is a passbook insertion slot, 4 is a form insertion slot, 5 is a main transport path connected to the passbook insertion slot 3, and 6 is a form. A form conveyance path connected to the insertion port and joined to the main conveyance path 5, 7 is a form collection conveyance path branched from the form conveyance path 6, 8 is a rear passbook conveyance path connected to the main conveyance path 5, and 9 is a rear passbook conveyance A passbook collection / conveyance path 10 branched from the path 8 is a passbook withdrawal path branched from the main conveyance path 5.

  11 is a printing unit that prints on the passbooks 1 and 2, 12 is an optical reading unit that optically reads information such as page information of the passbooks 1, and 13 is a magnetic reading of magnetic data information of the passbook 1. A magnetic processing unit for performing magnetic recording, 14 a page changing unit for turning pages of the passbook 1, etc., 15 a form collecting unit for collecting the form 2, 16 an image of the size, format, and recording data of the form 2 A form reading unit to be recognized, 17 is a first passbook collection unit for collecting the passbooks 1, 18 is a second passbook collection unit for collecting the passbooks 1, and 19 is a passbook issuing unit for newly issuing a passbook.

  Reference numeral 20 denotes a first gate means provided at a position branching from the form conveyance path 6 to the form collection conveyance path 7, and reference numeral 21 denotes a second gate means provided at a position where the form conveyance path 6 and the main conveyance path 5 merge. , 22 is a third gate means for guiding the passbooks 1 to be recovered from the main transport path to the first passbook recovery unit 17, and 23 is a fourth gate provided at a position where the main transport path 5 branches from the passbook retreat path 10. The fifth gate means 24 is provided at a position branching from the rear passbook transport path 8 to the passbook collection transport path 9.

  Reference numerals 25 to 42 denote conveyance rollers which are conveyed by rotation between the passbooks 1 and the forms 2, 43 to 45 are drive motors, and the drive motor 43 rotationally drives the conveyance rollers 25 to 31 and 33 to drive the drive motor 44. Rotates the transport rollers 34 to 39, and the drive motor 45 rotationally drives the transport rollers 32 and 40 to 42. The conveyance roller 33 is driven by a drive motor 43 via a clutch mechanism (not shown).

  The printing unit 11, the optical reading unit 12, the magnetic processing unit 13, and the page changing unit 14 are provided in the main conveyance path 5, and the form reading unit 16 is provided in the form conveyance path 6. The driving force of the drive motors 43 to 45 is transmitted to each transport roller via a transmission means such as a belt or a gear (not shown). Further, instead of the drive motors 44 and 45, a clutch mechanism or the like (not shown) for transmitting the drive of the drive motor 43 may be provided.

  The first to fifth gate means 20 to 24 are moved and displaced in the directions of arrows 46 to 50 by transmission means such as a link mechanism and a cam mechanism using actuators such as solenoids and motors (not shown), respectively. Selectively switch the transport path connection.

  The initial state of the first to fifth gate means 20 to 24 is a solid line state shown in FIG. Reference numerals 51 and 52 denote discriminating means such as detection sensors that discriminate based on the width dimensions of the passbooks 1 and the forms 2 respectively.

In the above configuration, the operation is as follows.
When processing only the passbook 1, first, when the passbook 1 is inserted from the passbook insertion port 3 by the end user, the inserted passbook 1 is detected by the determination unit 51. The discriminating means 51 may be in the passbook insertion slot 3. The discrimination means 51 outputs the discrimination result signal, drives the drive motor 43 based on the approximate signal, rotationally drives the transport rollers 25 to 31 and sucks the inserted passbooks 1.

  The bankbooks 1 are sequentially conveyed through the main conveyance path 5, the magnetic processing unit 13 reads / writes magnetic records of magnetic data information, and the optical reading unit 12 performs optical reading of information such as page information. The printing unit 11 prints predetermined information contents. In the passbook 1 having undergone predetermined processing, the transport rollers 25 to 31 are driven in reverse rotation by the reverse drive of the drive motor 43, transported in the return path on the main transport path 5, discharged from the passbook insertion port 3, and returned to the end user. Is done.

  In the above processing, when the page information read by the optical reading unit 12 is different from the page on which the printing process is performed, or when predetermined printing does not end on the page being printed, the passbook 1 is conveyed to the page changing unit 14 and the page is changed. A turning process is performed, a page to be processed is opened, and a predetermined process is continuously performed.

On the other hand, when it does not end with the passbook 1 in which predetermined printing is inserted, the following operation is performed in this embodiment.
When the predetermined printing does not end with the passbooks 1 inserted by the end user, that is, when there are no pages that can be printed, the passbooks 1 are moved to a position where the operation of the fourth gate means 23 is not hindered. The fourth gate means 23 is moved and displaced from the initial solid line position to the dotted line position to connect the passbook retracting path 10 and the passbook 1 is transported to the passbook retracting path 10.

  The bankbooks 1 are transported in the bankbook retracting path 10 to a position where the operation of the gate means 23 is not hindered, and the gate means 23 is moved and displaced from the dotted line position to the solid line position. Subsequently, the new bankbook 53 is fed out from the bankbook issuing unit 19, and the fed-out new bankbook 53 is transported to the main transport path 5 by the driving rollers 43 and 45 being driven to rotate the transport rollers 25 to 32 and 40 to 42. The

  At this time, the passbooks 1 transported to the passbook retreat path 10 do not move because the drive motor 43 is not transmitted to the transport roller 33 by a clutch mechanism (not shown). The new passbook 53 transported to the main transport path 5 is subjected to predetermined processing necessary for issuing a new passbook by the printing unit 11, the optical reading unit 12, the magnetic processing unit 13, and the page changing unit 14, and printing on the passbooks 1. The remaining prints that could not be printed during the process are performed.

  The new passbook 53 for which all the processes have been completed is discharged from the passbook insertion port 3 by the transport rollers 25 to 31 that are rotationally driven by the drive motor 43. Subsequently, the gate means 23 is moved and displaced from the solid line position to the dotted line position, the drive of the drive motor 43 is transmitted to the conveyance roller 33, and the passbooks 1 conveyed to the passbook retreat path 10 by the conveyance rollers 25 to 29 and 33. Is discharged from the passbook insertion port 3 and returned to the end user. Thereafter, all the gate means are returned to the initial state.

  Of course, a processing procedure for discharging the bankbook 1 inserted from the end user first, then issuing the new bankbook 53 and discharging the new bankbook 53 is naturally possible. In this example, the purpose is to prevent forgetting to take out the passbook (Because it takes time to issue a new passbook, if the passbook inserted by the end user is returned first, the newly issued passbook can be forgotten The above processing procedure has been described as an example.

  Next, when only the form group 2 is handled, first, when the form group 2 is inserted from the form insertion port 4 by the end user, the form group 2 inserted is detected by the determination unit 52. The discriminating means 52 may be in the form insertion slot 4. The discrimination result signal is output from the discrimination means 52, the drive motor 44 is driven based on the approximate signal, the conveyance rollers 34 to 39 are driven to rotate, the inserted forms 2 are sucked and conveyed on the form conveyance path 6. Then, it is conveyed to the front of the form reading unit 16.

  At this time, the lower end 2b of the inhaled form 2 is in the front face 60a of the passbook / form processing apparatus or in the form insertion port 4 and cannot be touched from the form insertion port 4. The form reading unit 16 recognizes the image of the size, format, and recording data while conveying the forms 2 at a predetermined speed, and stops conveyance after the reading process is completed. At this time, the upper end 2 a of the forms 2 is stopped at a position where it does not contact the gate means 21.

  If there is no problem in the recognized image, the gate means 21 is moved and displaced from the solid line position to the dotted line position, the drive motors 43 and 44 are driven, and the transport rollers 25 to 31 and 34 to 37 are rotationally driven to generate the forms 2 Are conveyed from the form conveyance path to the main conveyance path 5. The movement displacement from the solid line position to the dotted line position of the gate means 21 may be performed in advance by a signal output from the determination means 52 by detecting the form 2 inserted into the form insertion port 4.

  The forms 2 conveyed to the main conveyance path 5 are subjected to a predetermined printing process by the printing unit 11. After the printing process, the gate means 21 is moved and displaced from the solid line position to the dotted line position, and the forms 2 are conveyed from the main conveyance path 5 by the conveyance rollers 27 to 31 and 35 to 39 by the reverse drive of the drive motors 43 and 44. Characters of the printed result conveyed to the conveyance path 6 and printed on the form by the form reading unit 16 are recognized, and then conveyed to the form collection path 7 and collected by the form collection unit 15. Thereafter, all the gate means are returned to the initial state.

  FIG. 2 shows an example of a processing procedure when the passbook 1 and the form 2 are handled in one transaction in the passbook / form processing apparatus of the present invention shown in FIG. In the forms 2 handled by this type of apparatus, the transfer destination (account number), the transfer amount, etc. are entered, and this character is recognized by reading the form (step 103). The end user is made to select a transfer method based on the recognized information.

  Payment methods include cash transfer, account debit using a card, account debit using a passbook, etc. (step 104). When debiting from the bankbook is selected, the end user inserts the bankbook into the insertion slot, the bankbook is processed, and the bankbook is discharged (steps 105 to 108). After the passbook is discharged, the above-described processing is performed on the form, and the form is collected (step 109 to step 113).

  That is, in the present invention, when the passbook 1 and the form 2 are handled in one transaction, when the passbook is processed after the reading of the form 2, the previously inserted form enters the main transport path. Therefore, processing such as the saving operation of the forms 2 is unnecessary.

  In addition, a series of processes of reading the print result after the printing process on the form 2 and collecting the form can be realized by a one-way transfer operation, and the transfer distance of the form 2 can be minimized, so that the processing time can be shortened. Can be shortened. In this case, it goes without saying that the movement of the gate means 21 from the solid line position to the broken line position after the insertion of the forms 2 is after the processing of the passbooks 1 is completed.

  Furthermore, when the end user first selects account debit using the passbook, the forms 2 and the passbook 1 can be inhaled at the same time, and the reading process of the forms 2 and the magnetic data information of the passbook 1 The processing necessary for the printing process such as reading the page information and the printing process to the passbook 1 can be performed at the same time, so that the processing time can be greatly shortened.

  In general, the optimal transport path for transporting forms differs from the optimal transport path for transporting banknotes. The major difference between the forms 2 and the passbooks 1 is the thickness, and the rigidity is greatly different accordingly. For example, when the height of the conveyance path is high with respect to the thin and low-stiffness forms 2, the leading edge of the forms 2 is likely to be bent during the conveyance, and as a result, a jam may occur.

  From this point of view, in the passbook / form handling apparatus of the present invention in FIG. 1, the conveyance path that uses the forms 2 and the passbook 1 in common is from the gate means 21 of the main conveyance path 5 to the printing unit 11. Since the rest is a conveyance path dedicated to forms and passbooks, high reliability can be realized particularly for conveyance of the forms 2. In FIG. 1, the gate means 21 is provided in the conveyance rollers 26 and 27, but there is no problem even if the optical reading unit 12 is provided between the conveyance rollers 26 and 27 and between the conveyance rollers 27 and 28. Absent.

  This type of device also collects passbooks. The use is mainly when the end user leaves the place without taking the processed passbook for some reason. As for the passbook, there are the most popular passbooks 1 that open up and down shown in FIG. 1 and FIG. 3 and the passbooks 54 that open right and left shown in FIG.

  So far, the passbook collection unit has been arranged above and below the conveyance path connected to the passbook insertion slot, but in order to reduce the size of the device (particularly the depth dimension), the recovery capacity is considered from the priority of functions. Although it becomes small, the collection part must be downsized.

  On the other hand, in an apparatus that handles both types of bankbooks 1 that open up and down and bankbooks 54 that open right and left, the collection direction and the binding direction are parallel in the collection of the bankbook 54 that opens left and right. There is a feature that makes it difficult to bend the bankbook.

  With respect to these problems, the passbook / form handling apparatus of the present invention shown in FIG. 1 comprises a first passbook collection unit 17 and a second passbook collection unit 18, which are connected directly to the main transport path 5. The bankbook 54 that opens to the left and right is collected in the open state of the one bankbook collection unit 17.

  Here, the gate means 22 has an angle that does not cause a problem in the collection operation of the passbooks 54, that is, an inclination within a range where the passbooks 54 can be bent. The passbooks 1 that open up and down are collected in the second passbook collection unit 18. The passbooks 1 that open up and down can be sufficiently transported as long as the transport path is capable of issuing a passbook because the transport direction and the binding portion are perpendicular to each other and are relatively easily bent in the transport direction.

  That is, the second passbook collection unit 18 can be configured using the rear passbook transport path 8 as shown in FIG. 1, so that it is not necessary to connect directly to the main transport path and there is no need to increase the depth of the apparatus. It is clear.

  Moreover, even if the bankbook has the same form, it is divided into general account bankbooks, bankbooks, etc. depending on the products handled by financial institutions. Therefore, if the bankbook 1 opens up and down, it can be collected separately into the first bankbook collection unit 17 and the second bankbook collection unit 18 according to the type of bankbook.

  It is well known that the form and type of the passbook can be identified from information such as the width of the passbook, magnetic data information, page mark information, and the like.

  Furthermore, in the passbook / form handling device of the present invention shown in FIG. 1, the passbook issuing unit 19 is arranged at the rear of the device, so that the passbook issuing unit 19 can pass the passbook without stopping the device during normal transaction processing. So-called no-down replenishment is also possible.

It is a figure which shows the structural example of the passbook / form processing apparatus of this invention. It is a figure which shows the example of a process sequence in the passbook / form processing apparatus of this invention. It is a figure which shows the type of a passbook.

Explanation of symbols

60 ... Passbook / form processing device, 1 ... Passbooks, 2 ... Forms, 3 ... Passbook insertion slot, 4 ... Form insertion slot, 5 ... Main transport path, 6. ··············································································· 8 ..Optical reading unit, 13 ... Magnetic processing unit, 14 ... Page changing unit, 15 ... Form collection unit, 16 ... Form reading unit, 17 ... Passbook collection unit, 18 ... Second passbook collection unit, 19 ... Passbook issuer, 20 ... First gate means, 21 ... Second gate means, 22 ... Third gate means, 23 ... First 4 gate means, 24... 5th gate means, 25 to 42... Transport roller, 43 to 45.

Claims (9)

A form insertion slot,
A passbook insertion slot;
A form transport path for transporting the form inserted from the form insertion port;
A main transport path that includes a plurality of processing units that are necessary for processing the passbook by transporting the passbook inserted from the passbook insertion port;
A form collection unit for collecting forms;
A passbook and form processing apparatus comprising a form reading unit arranged in the form transport path for reading predetermined information described in a form,
A passbook and form processing apparatus, wherein the form conveyance path includes a branch path to the form collection unit and merges with the main conveyance path. The passbook and form processing apparatus according to claim 1,
The passbook and form processing apparatus, wherein the form transport path merges between the passbook insertion slot and a printing unit provided in the main transport path. The passbook and form processing apparatus according to claim 1,
The form reading unit is disposed at a position where the form can be completely taken into the apparatus at the start of reading the inserted form, and at a position where the form read at the end of the form reading process does not enter the main transport path. Passbook and form processing device. The passbook and form processing apparatus according to claim 1,
A rear passbook conveying path connected to the rearmost part of the main conveying path and conveyed upward;
A passbook and form processing apparatus, characterized in that it is connected to the transport path and has a passbook issuing unit on the rear side of the apparatus. The passbook and form processing apparatus according to claim 1,
A passbook and form processing apparatus, wherein a branch path to the form collection unit is provided on the form transport path between the form insertion port and the form reading unit. A passbook and form processing device according to claim 4,
A passbook and form processing apparatus comprising a plurality of passbook collection units for collecting a passbook. The passbook and form processing device according to claim 6,
A passbook and form processing apparatus, wherein a passbook collection unit to be collected is selected based on a transaction form type of the passbook.   7. The passbook and form processing apparatus according to claim 6, wherein a passbook collection unit to be collected is selected based on a passbook shape type. A passbook and form processing apparatus according to claim 8,
Passbook and form processing characterized in that at least one of the plurality of passbook collection units is provided on or near the main transfer path, and at least one of the other passbook is branched from the rear passbook transfer path. apparatus.

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