JP2008149501A - Bankbook handling device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enhance conclusion of bankbook transaction by not disabling transaction when the last line printed on a bankbook has a positional gap in the direction of a print line but by determining a proper print start position depending on that positional gap and performing the printing. <P>SOLUTION: When the last print line on an inserted bankbook is read out and a judgment is made that the bankbook is unprintable owing to a gap of print position, the threshold of last print line detected by a print line detection means is altered depending on the positional gap and the last print line is detected again. It is then compared with information about the last print line read out from a storage means and printability of bankbook is judged again by a rejudgement means. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a bankbook handling apparatus that is used in a financial institution such as a bank and prints transaction information on a bankbook.

  In general, when the transaction information is printed on the passbook, the passbook handling device optically reads the last print line of the passbook, and prints the next print line following the read last print line as the current print start line. ing. In this case, the validity of the detected final print line is determined by comparing the final print line detected by the print line detection means with the final print line information stored in the storage means to determine whether or not the bankbook can be handled. is doing.

  However, the passbook may be misaligned in the print line direction due to dirt on the passbook sheet, wrinkles, dirt on the transport rollers, etc., and the influence of secular change. Depending on such misalignment in the print line direction, the print line detection means The last print line detected by may not be detected correctly. For this reason, when the final print line detected by the print line detection means and the final print line information stored in the storage means are compared to determine whether or not the passbook can be handled, it is determined that the transaction is impossible. Even if there is no trouble, the transaction may not be established, and acceptance may be refused, resulting in a decrease in convenience.

  On the other hand, by comparing the final print line optically read by the print line detection means with the final print line information stored in the storage means, the one that precedes the final print line is selected. A bankbook handling apparatus that continues transactions is known (see, for example, Patent Document 1).

  However, a general bank passbook transaction determination specification is that the final print line detected by the print line detection means and the final print line information stored in the storage means "match". For this reason, when selecting the one with the last print line preceding for the purpose of securing the passbook transaction, the financial institution managing the passbook transaction needs to change the determination specification. Therefore, in order to satisfy such a condition, it is necessary to change the determination specification regarding the passbook transaction at the financial institution, which may be difficult to apply.

  As another transaction continuation means, one that reads the position of the last print line of the bankbook and corrects the current print start position is known (see, for example, Patent Document 2).

  However, in this case, the passbook handling device measures the print position and automatically corrects it, so it is necessary to maintain high-precision mechanical alignment with respect to the passbook print line, and it can handle stains on the passbook paper surface. could not. Therefore, depending on these factors, the transaction may not be established and the passbook handling apparatus may be rejected.

Japanese Patent No. 2999123 JP 2002-240383 A

  Therefore, in the case where a positional deviation in the printing line direction of the final printing line printed on the passbook has occurred, the present invention determines the appropriate printing start position according to the positional deviation and performs printing, thereby enabling transaction of the passbook. The purpose of the present invention is to provide a highly convenient bankbook handling apparatus that can increase the establishment of the bankbook.

  This invention optically reads the print information printed on each line of the inserted bankbook, detects the final print line from the read print information, and the storage means for storing the print information of the bankbook And a determination means for reading the final print line information of the passbook stored in the storage means, comparing it with the final print line detected by the print line detection means, and determining whether or not the passbook can be printed based on the comparison result. A passbook handling apparatus comprising: a storage unit that detects a final print line again by changing a threshold value of a final print line detected by the print line detection unit when the determination unit determines that printing of the passbook is impossible; Compared with the final print line information read from the above, a redetermining means for re-determining whether or not the passbook can be printed is provided.

  With such a configuration, the final print line detected by the print line detecting means and the final print line information stored in the storage means when there is dirt on the passbook paper surface or when there is a displacement in the print line direction. If it is determined that printing is not possible, the final print line threshold is reset and the position of the final print line detected by the print line detection means is reset. It is possible to reduce the influence on the optical detection due to the deteriorated device, the stain on the passbook paper, and the print-through. Therefore, printing is easily permitted and the transaction rate of the passbook is improved. As a result, customer convenience is improved.

  Also, if a bank or other financial institution is installed and used with multiple devices with built-in passbook handling devices, even if there is a passbook handling device with low printing accuracy, the printing line detection means will be misaligned. Since the corresponding print start position can be printed optimally, the acceptance rate of the passbook at the financial institution increases. Furthermore, since the printing accuracy and printing detection of the bankbook handling device do not have to be highly accurate, they can be supplied at low cost and the maintenance burden is reduced.

As an aspect of the present invention, the re-determination unit can change the threshold value of the print line detection unit by displacing the detection area in the print line direction of the final print line detected by the print line detection unit.
Since the change of the threshold value of the print line detection means is configured such that the detection area can be changed with respect to the print line direction, when the cause that the final print line cannot be detected correctly is the misalignment in the print line direction Since the final print line can be accurately captured, it is possible to improve the print permission rate by eliminating the inability to detect due to misalignment.

As an aspect of the present invention, the re-determination means can change the density threshold value of the print density detected by the print line detection means.
Since the change of the light and dark threshold is configured to be able to change the light and dark density threshold, when the cause that the final print line cannot be detected correctly is too thin or the show-through from another page is the cause Therefore, it is possible to eliminate the influence of the print detection impossibility caused by the print density.

As an aspect of the present invention, the re-determination means can change the optical wavelength filter that mediates when detecting a print line to another wavelength filter.
As a result, if the sensitivity spectrum of the ground pattern color and the optical sensor are similar, and it is difficult to distinguish between the print and background color, the cause of the failure to detect the final printed line is eliminated. can do.

As an aspect of the present invention, the re-determination means can change the wavelength of the light source for detecting the print line to another wavelength.
Since the wavelength of the light source for detecting the print line is changed to another wavelength (for example, the color of the light emitting diode is changed), the sensitivity of the copy-forgery-inhibited pattern color and the optical sensor is similar. If it is difficult to detect the final print line because it is difficult to attach, the influence of the cause can be eliminated.

  According to this invention, since a bankbook handling apparatus with a high bankbook acceptance rate can be provided, convenience for customers is improved.

  Hereinafter, an embodiment of the present invention will be described with reference to FIGS.

This embodiment relates to a bankbook handling apparatus mounted on an ATM (Automated Teller Machine) that is adopted and operated in a transaction use system of a financial institution such as a bank.
FIG. 1 is a schematic configuration diagram of a bankbook handling apparatus 1. The bankbook handling apparatus 1 accepts the bankbook 2 folded in half by inserting the bankbook through the bankbook insertion port 3 in a flat state with its printing field open. The bankbook 2 inserted into the bankbook insertion slot 3 is taken in through the bankbook conveyance path 4 communicating with the inside of the bankbook insertion slot 3 in a horizontal state, and is disposed in the middle of the conveyance of the bankbook conveyance path 4. As shown in FIG. 2A, the recording content of the magnetic stripe 8 recorded in the passbook 2 is read by the head 5, and the passbook 2 is read by the print line reading sensor 6 as shown in FIG. The printed transaction print 9 is read, and the transaction information is printed on the passbook 2 by the subsequent print head 7 based on the read data.

  FIG. 3 shows a block diagram of the control circuit of the bankbook handling device 1. The CPU 18 controls each circuit device in accordance with a program stored in the ROM 19 and stores the control data so that it can be read out by the RAM 20.

  When the bankbook 2 moves in the bankbook transport path 4, the magnetic head 5 reads a magnetic signal recorded on the magnetic stripe 8 of the bankbook 2. The magnetic signal read by the magnetic head 5 is amplified by the first amplifier 15, then analog-digital converted by the A / D converter 16, stored in the RAM 20, analyzed by the CPU 18, and stored in the RAM 20. The magnetic stripe 8 stores information on the last print line stored in advance.

  A drive circuit 17 including a timing circuit drives the LED array 10 and the CCD image sensor 13. The reflected light emitted from the LED array 10 when the bankbook 2 is taken into the bankbook transport path 4 is detected by the CCD image sensor 13 via the optical filter 11 and the lens 12. For example, the position of the bankbook upper end 26 of the bankbook 2 as shown in FIG. 4, the transaction print 9 and the barcode (not shown) are read.

  The signal detected by the CCD image sensor 13 is amplified by the second amplifier 14, then analog-digital converted by the A / D converter 16 and stored in the RAM 20, and the stored information is analyzed by the CPU 18.

When the CPU 18 analyzes the reading of the transaction print 9 printed on the bankbook 2, it is carried out as follows.
The CPU 18 reads the detection information from the RAM 20 storing the detection information (image data) read by the CCD image sensor 13 provided in the print line reading sensor 6 and detects the upper end 26 of the passbook. Subsequently, the CPU 18 determines the position of the first line print detection area 23 based on the first line position 21 specified from the position information of the passbook upper end 26 stored in advance in the ROM 19, and the transaction print 9 is displayed in the area 23. When it is detected that printing has been performed, the first line is stored in the RAM 20 as being printed. Subsequently, the second line print detection area 24 is determined by offsetting the line interval 22 stored in advance in the ROM 19 from the first line print detection area 23, and the presence or absence of printing of the second line is detected in the same manner as the first line. To do. Similarly, the presence / absence of printing of the third line is detected by the third line print detection area 25.

  The print detection areas 23, 24, and 25 are provided so as to detect corresponding to a plurality of print lines, respectively. Each of the print detection areas 23, 24, and 25 corresponds to one print line arranged in the vertical direction. It has a detection height region with a height interval lower than the height of the transaction print 9 and a height interval higher than the height of the transaction print 9. Furthermore, it has a detection length area longer than the printing length of one line of the transaction printing 9. When the transaction print 9 is detected, these print detection areas 23, 24, and 25 are detected correspondingly, and when redetection is executed by a re-determination function described later, each of these print detection areas 23 is detected. , 24, 25 are moved in the print line direction (vertical direction), and the detection areas of the print detection areas 23, 24, 25 can be changed.

Next, an operation for changing the detection area with respect to the print line direction for detecting the print line of the bankbook 2 will be described. FIG. 4 is an explanatory diagram before correction of the print line detection area, FIG. 5 is an explanatory diagram when correcting the print line detection area, and FIG. 6 is an explanatory diagram of the detection area correction amount.
The CPU 18 has a determination processing operation for comparing the final print line detected by the print line reading sensor 6 with the final print line information stored in the magnetic stripe 8 to determine whether or not the bankbook 2 can be handled. When it is determined that printing is impossible, the transaction is not disabled, but the threshold value of the final print line detected by the print line reading sensor 6 is changed to detect the final print line again, and the final print line information read from the RAM 20 In comparison, it has a redetermination function for judging again whether or not the passbook 2 can be printed.

  If the bankbook handling apparatus 1 having such a re-determination function is used, if the CPU 18 determines that printing is not possible when there is a positional deviation in the print line direction, the final print line threshold is reset and the print line reading sensor 6 is reset. Since the position in the print line direction of the last print line detected in (2) can be specified and reset as the print start position corresponding to the positional deviation, printing is easily permitted, and the transaction rate of the passbook is improved. As a result, customer convenience is improved.

  In addition, when a plurality of devices including the bankbook handling apparatus 1 are installed and used in a financial institution such as a bank, even if there is a bankbook handling apparatus 1 with low printing accuracy, the final response according to the positional deviation is present. Since the print line can be determined, the acceptance rate of bankbooks at financial institutions increases. Furthermore, since the printing accuracy and printing detection of the bankbook handling device 1 do not have to be highly accurate, the bankbook handling device 1 can be supplied at low cost and the maintenance burden is reduced.

  Further, when the threshold value is changed, the detection area may be displaced in the print line direction of the final print line detected by the print line reading sensor 6, and the reason why the final print line cannot be detected correctly is the position in the print line direction. In the case of misalignment, the final print line can be accurately captured. Therefore, it is possible to eliminate the improper detection due to misalignment and to reliably improve the print permission rate.

  Next, referring to the flowchart of FIG. 7, the determination processing operation for comparing the final print line detected by the print line reading sensor 6 with the final print line information stored in the magnetic stripe 8 to determine whether or not the passbook can be handled. I will explain.

  When the bankbook 2 is inserted into the bankbook insertion slot 3 by the customer, first, the magnetic head 5 reads the recorded contents of the magnetic stripe 8 of the bankbook 2 (S71). If the read record is an invalid magnetic stripe or a magnetic stripe that cannot be read, the acceptance is refused and the passbook is returned. On the other hand, when the transaction permission information of the passbook 2 such as the account number and balance is inquired and determined to be a valid transaction passbook (S72), the CPU 18 extracts the final print line information from the read information of the magnetic stripe 8. Is stored in the RAM 20 (S73). In this embodiment, it is assumed that the final print line information of the passbook 2 stored in the RAM 20 is, for example, “2” (printed up to the second line).

  Further, the bar code recorded at one corner of the passbook 2 is read by the print line reading sensor 6 (S74), and the acceptability of the passbook is checked in the same manner as the magnetic information of the magnetic stripe. In the case of a bar code, refuse to accept and return the passbook. On the other hand, in the case of a valid barcode (S75), it is checked whether or not the transaction type of the passbook 2 is a subject for which handling is permitted. If the handling is not possible, the acceptance is refused and the passbook is returned. If the subject is allowed to be handled (S76), the CPU 18 detects the presence or absence of the transaction print 9 for each line by the print line reading sensor 6 (S77), and the CPU 18 extracts the detected final print line from this print line information to obtain the RAM 20 (S78).

  Here, in the bankbook 2 shown in FIG. 4, the second print of the transaction print 9 (18-09-10, showing the transaction date and time in the figure) is on the boundary between the second and third lines. Therefore, a print character is detected in both the second line print detection area 24 and the third line print detection area 25, and it is detected that both the second line and the third line are printed. Therefore, the last detected print line stored in step S78 is stored as “3” (printed up to the third line).

  Next, the CPU 18 determines whether or not the final print line information (stored in S73) is equal to the detected final print line (stored in S78) (S79).

  In this embodiment, since the final print line information is “2” and the detected final print line is “3”, the comparison result is “No”, and the process branches to step S80. On the other hand, when the comparison results are equal, the comparison result is “Yes”, and it is determined that the bankbook can be handled as it is.

  If the comparison results are not equal, the CPU 18 determines whether the final print line information (stored in S73) is larger than the detected final print line (stored in S78) as a redetermination function (whether the number of print lines is large). Whether or not is checked (S80). Here, by comparing the final print line information and the detected final print line, it is determined whether the print line is shifted in the print line direction (vertical direction). In this embodiment, since the final print line information is “2” and the detected final print line is “3”, the comparison result is “No”, and the process branches to step S82. If the final print line information is smaller than the detected final print line (the number of print lines is small), there is a possibility that the detected final print line is largely detected because the transaction print 9 is shifted below the position where it should be. Yes (S81).

  Next, the print line reading sensor 6 detects the presence or absence of the transaction print 9 for each line. At this time, all the print detection areas 23, 24, and 25 in the first to third lines are corrected by moving in the print line direction (downward) to be corrected. The situation of correction can be realized by adding a detection area correction 27 to the first row position 21 from the bankbook upper end 26 as shown in FIG. As a result of the detection area correction 27, the third line print detection area 25 is also corrected downward, and the second print (18-09-10) of the transaction print 9 is not detected as the third line (S82). Therefore, the detected final print line is stored in the RAM 20 (S83). In this embodiment, the last detected print line is stored as “2”.

  The CPU 18 determines whether or not the final print line information (stored in S73) is equal to the detected final print line (stored in S83) (S84). In this embodiment, since the final print line information is “2” and the detected final print line is “2”, the comparison result is “Yes”, and the CPU 18 determines that handling of the passbook is permitted.

  Here, the correction amount of the detection area correction 27 will be described with reference to FIG. FIG. 6 shows that the current transaction print 28 is printed (18-09-11) on the third line because it is determined that the handling is permitted this time. Assuming that the printing of the bankbook handling apparatus 1 is performed at the center of the printing line, the transaction printing 28 (18-09-11) and the second printing (18-09-10) of the transaction printing 9 are overlapped with each other. The detection area correction 27 is set so that the upper end of the current transaction print 28 is equal to the upper end of the third line print detection area 25 so as not to be disabled. As a result, as the second print (18-09-10) of transaction print 9 overlaps with the print of the bankbook handling apparatus 1, the downward shift becomes larger, and the print in this case is determined to be the third line.

  As described above, if a situation where it is determined that handling is not possible in the detection of the first detected final print line is a shift in the area where printing does not overlap due to correction of the print detection area, handling is permitted. Therefore, even if the passbook handling device 1 cannot be discriminated visually without any problem as in the prior art, it is determined that the passbook 2 cannot be handled and the case of recreating the passbook 2 is eliminated. As a result, the financial institution can save the passbook and save labor for creating a new passbook.

  By the way, when changing the threshold value, it is possible to change the density threshold value of the print density detected by the print line reading sensor 6. In this case, if the reason why the final print line cannot be detected correctly is due to too thin printing or the show-through from another page, the influence of the print density cannot be detected due to the print density is eliminated. The line can be detected correctly.

  In addition, if the optical wavelength filter mediated by incandescent bulbs or fluorescent lamps is changed to a different wavelength filter when detecting the print line, the cause of the failure to correctly detect the final print line is the background color and the optical sensor sensitivity spectrum. If the cause is that it is difficult to distinguish between the print and the tint block color because they are similar to each other, the influence of the cause can be eliminated and the final print line can be detected correctly.

  For example, if the wavelength of the light source of the light emitting diode for detecting the print line is changed to another wavelength, for example, switching from red to blue, the cause of the failure to correctly detect the final print line is similar to the sensitivity spectrum of the background color and the optical sensor. Therefore, when it is a cause that it is difficult to distinguish between the print and the tint block color, it is possible to correctly detect the final print line by eliminating the influence of the cause.

  In this embodiment, the magnetic stripe 8 provided in the bankbook 2 is applied as a general example as an external storage means different from the bankbook handling apparatus 1. However, for example, the central processing unit of each financial institution In the case of a device configuration connected to a higher-level device (not shown), a storage unit may be provided on the higher-level side, and recording information corresponding to each bankbook may be inquired from the storage unit. In the future, if the passbook is provided with storage means (for example, an IC tag, an IC chip, etc.) other than the magnetic stripe, the recorded information of each passbook may be inquired via the storage means. No.

  As described above, even if the last printed line of the passbook is read and read, the previous printed line is printed on the next printed line. According to the amount of positional deviation that has been printed, the current print position can be shifted and corrected so as to fit within the print line. Thus, skipping printing is suppressed, and the success rate of printing and the transaction rate of the passbook are improved.

In correspondence between the configuration of the present invention and the configuration of the above-described embodiment,
The print position detecting means of the present invention corresponds to the print line reading sensor 6 of the embodiment,
Similarly,
The storage means corresponds to the RAM 20,
The determination unit and the re-determination unit correspond to the CPU 18, but the present invention is not limited to the configuration of the above-described embodiment, and can be applied based on the technical idea described in the claims.

The internal block diagram which shows a bankbook handling apparatus. The expansion | deployment top view which opens and shows the outer surface and inner surface of a bankbook. The control circuit block diagram of a bankbook handling apparatus. Explanatory drawing before print line detection area correction | amendment. Explanatory drawing at the time of print line detection area correction. Explanatory drawing of a detection area correction amount. The flowchart which determines whether a bankbook handling is possible.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Passbook handling apparatus 2 ... Passbook 6 ... Print line reading sensor 9 ... Transaction printing 18 ... CPU
20 ... RAM
27 ... Detection area correction 28 ... Current transaction printing

Claims (5)

Print line detection means for optically reading the print information printed on each line of the inserted bankbook and detecting the final print line from the read print information;
Storage means for storing printing information of the bankbook;
A determination unit that reads the final print line information of the passbook stored in the storage unit, compares it with the final print line detected by the print line detection unit, and determines whether or not the passbook can be printed based on the comparison result;
A bankbook handling device having
When the determination unit determines that the passbook cannot be printed, the final print line threshold value detected by the print line detection unit is changed to detect the final print line again, and the final print line information read from the storage unit A passbook handling device comprising a redetermining means for comparing and re-determining whether or not the passbook can be printed. 2. The bankbook handling apparatus according to claim 1, wherein the re-determination unit changes a threshold value of the print line detection unit by displacing a detection area in a print line direction of a final print line detected by the print line detection unit. 3. The bankbook handling apparatus according to claim 1, wherein the re-determination unit changes a density threshold value of the print density detected by the print line detection unit. 4. The bankbook handling apparatus according to claim 1, wherein the re-determination means changes an optical wavelength filter that mediates when a print line is detected to another wavelength filter. The banknote handling apparatus according to any one of claims 1 to 4, wherein the re-determination unit changes a wavelength of a light source for detecting a print line to another wavelength.

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