JP2515015B2 - Automatic transaction equipment - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION <Industrial field of use> The present invention relates to an automatic transaction device using a transaction card installed in a financial institution, and more particularly to an automatic transaction device provided with a new transfer card issuing function.

<Prior Art> ATM (Automatic Cash Deposit / Withdrawal) installed at the front of a financial institution such as a bank, that is, an automatic transaction device has the external shape shown in Fig. 2, and the inside is a schematic side view of Fig. 3. It has the configuration shown in. As shown in the figure, a card insertion slot 2 for inserting and returning various transaction cards 1 is provided in front of the device housing. A card recognition unit 3 for reading the transaction card 1 inserted from the card insertion slot 2, a card printing unit 4 for printing transaction information on a new transaction card, and a receipt and a journal from the journal / receipt storage chamber 5. Journal printing units 6 for printing transaction information on a sheet are arranged in a horizontal series via a transport path 10. Further, behind the journal / receipt storage room 5, there are provided a card storage room 7 in which a new transaction card is stored and a card intake room 8 for taking in a non-tradable card.

In the above automatic transaction device, when a normal transaction, for example, a new cash transfer transaction is performed, the customer first selects each transaction by the operation panel on the CRT. Then transaction card 1
The magnetic card is inserted from the card insertion slot 2. This magnetic card is conveyed onto the conveying path 10 by the feed rollers 32, 32, and the transaction information recorded on the magnetic stripe is read by the magnetic head 31. Further, the magnetic card is conveyed to the lower part of the journal / receipt storage chamber 5 via the feed rollers 42, 42. The customer inputs transaction data such as a personal identification number, transfer destination data, transfer person data, and transfer amount using the operation panel on the CRT. The transaction data is printed on the receipt and the journal paper 51 by the journal print head 61 of the journal print unit 6.

The receipt is delivered to the customer through the card insertion opening 2 by a conveyance path (not shown), and at the same time, the magnetic card is returned in the same manner. When the customer needs a new transfer card, he / she can press the transfer card issue button on the operation panel on the CRT to transfer the new transaction card (transfer card) 71 in the card storage chamber 7 by the delivery roller 72. Transport path 10
It is fed upward and is fed to the card printing section 4 by the feed rollers 52, 52. Then, by a sensor (not shown), it is set on the platen 41a facing the card print head 41, and the transfer destination data and the transfer person data, which have been previously input, are printed. After this printing process is completed, the sheet is conveyed to the card recognition section 3 by reversing the feed roller 42. In the card recognition section 3, the above data is magnetically recorded by the magnetic head 31. Then, the magnetic card is brought out to the customer through the card insertion slot 2.

A new transaction card will not be issued if the cash transfer transaction is not new. That is, after the magnetic card is returned, the transfer card in which the transfer destination data and the transferee data are recorded is inserted from the card insertion slot 2. And like above CRT
You only need to enter your PIN, transfer amount, etc. using the operation panel above. Forgotten by the customer in each transaction mentioned above,
When a so-called improper card such as a transaction impossible by an unauthorized user is generated, the card is taken into the card take-in chamber 8 by means not shown. Further, a drive control unit 9 is provided in the lower portion of the device casing in order to control each drive mechanism of the above automatic transaction.

<Problems to be Solved by the Invention> As described above, in the automatic transaction device, the transaction card 1
Mechanism for processing a magnetic card (card recognition unit, etc.)
The transfer card processing mechanism (card printing unit, etc.) and the receipt / journal printing unit are sequentially arranged in a horizontal series in the rearward direction via the transport path. Therefore, if the transfer card is inserted before the magnetic card, the transfer card must be temporarily retracted from the card recognition unit or the like in order to process the magnetic card inserted after the transfer card. However, since the card printing unit, the journal / receipt printing unit, and the like are arranged behind the card recognition unit, the transfer card cannot be retracted.

Therefore, if the transfer card is inserted before the magnetic card, the card is automatically ejected unconditionally. In order to avoid the automatic ejection of the transfer card, it is possible to form an evacuation route, for example, behind the card printing unit or the journal / receipt printing unit, but this would increase the size of the automatic transaction device. This is contrary to today's demands, that is, downsizing of the device.

It is also conceivable that there is a transaction means in which the transaction of the previously inserted transfer card is preceded, the transfer card is ejected, and then the magnetic card is inserted, but in this transaction means, the magnetic card is removed after the transfer card is ejected. Since it has to be inserted, there is a new drawback that the work becomes complicated.

<Means for Solving the Problems> In view of the above problems, the inventor has provided a hopper at the rear of the apparatus housing, and a card storage chamber, a card storage chamber, and a card loading chamber are vertically arranged in the hopper. The chambers are arranged in layers and each chamber is opposed to the transport path by the vertical movement of the hopper by the hopper lifting mechanism. Then, the previously inserted transfer card can be retracted into the card storage chamber, and a new transfer card in the card storage chamber or a transfer card in the card storage chamber can be properly drawn out onto the transport path by the pushing arm.

<Operation> In a vertically moving hopper provided with a card storage chamber, a card storage chamber, and a card storage chamber in three layers, when the transfer card is inserted first, the card storage chamber is moved to the transfer path by the hopper lifting mechanism. To face.

In such a state, the transfer card is carried into the opposing card storage room via the transport path. This does not hinder the transaction operation of the magnetic card. Moreover, when a new transaction card is drawn out from the card storage chamber, the card storage chamber and the card storage chamber are respectively opposed to the transport path by the hopper lifting mechanism, and if the pushing arm is operated in such a state, a new transfer card, The transfer cards inserted previously can be delivered to the respective transport paths and transported to appropriate locations.

<Example> Next, the automatic transaction apparatus of this invention is demonstrated based on drawing.

In addition, in the automatic transaction device of the present invention,
Components that are not different from the components and the like will be described with the same reference numerals as above.

 FIG. 1 is a schematic side view of an automatic transaction device.

As shown in the figure, the automatic transaction device is provided with a card insertion slot 2 in the front of the device housing, and from the card insertion slot 2 toward the rear, the card recognition section 3 and the card printing section 4 are sequentially transferred through a conveyance path 10. The journal / receipt storage chamber 5 and the journal printing unit 6 are arranged in a horizontal series.

A hopper 130 is provided at the rear of the device housing, and a card storage chamber 7, a card storage chamber 120, and a card loading chamber 8 are arranged in upper and lower three layers inside the hopper 130. Moreover, the hopper 130 is moved by a hopper lifting mechanism 135. Each chamber can be opposed to the transport path 10 by moving up and down.

As the hopper lifting mechanism 135, a rack 131 is vertically fixed on the back surface of the hopper 130, and a gear 132 meshing with the rack 131 is rotated by a motor 133. I.e. gear 132
The rack 131 moves up and down in response to the rotation of the hopper, and the hopper 130 to which the rack 131 is fixed is driven to move up and down. In addition, each card in the card storage room 7 and the card storage room 120 is transferred to the transport path 1
A push-out arm 140 is provided for returning to 0. The pushing arm 140 pushes the rear end face of each card by a link mechanism composed of a plunger 142 of a solenoid 141 and a link plate 143, and pushes it out from a feeding port 136 of a hopper and places it on the conveying path 10. Then, it is conveyed to an appropriate place by the feed roller 52.

In order to perform a normal transfer operation using the automatic transaction device having the above configuration, the magnetic card is inserted first. Then, the feed rollers 32, 32 in the card recognition unit 3 convey the magnetic tape to the magnetic head 31, the magnetic head 31 reads the transaction information recorded in the magnetic stripe of the card, and further feed journals via the feed rollers 42, 42. / It is transported to the lower side of the receipt storage chamber 5.

If it is a new transfer transaction, the customer inputs the personal identification number, transfer destination data, transfer data, transfer amount, etc. through the operation panel on the CRT. If a transfer card has been issued, insert it from the card insertion slot and enter the transfer amount etc. on the operation panel. The transaction information is printed on the receipt and the journal paper 51 by the journal print head 61. Then, the journal paper is wound up by a winding device (not shown), and the receipt is a transaction card 1 such as a magnetic card or a transfer card.
At the same time, it is returned to the customer through the card insertion slot 2. In such a transfer transaction, if the transfer card is inserted before the magnetic card, the insertion of the transfer card is detected by the magnetic head 31 of the card recognition unit 3, and the motor 133 is rotated in a predetermined direction. In response to this, the gear 132 rotates to move the hopper 130 up and down to a predetermined position. Then, the card storage chamber 120 faces the transfer path 10, and the transfer card is carried into and withdrawn from the card storage room 120 via the transfer path 10. Next, after the magnetic card is inserted and the above-mentioned transfer transaction is performed, the solenoid 141 is excited and the plunger 142
When is operated, the push-out arm 140 presses the transfer card in the card storage chamber 120, and the card is placed on the transfer unit 10 from the delivery port 136. Then, it is returned from the card insertion slot 2 via the feed rollers 42 and 32 which are reversed.

On the other hand, when issuing a new transfer card, the card storage chamber 7 is opposed to the transfer path 10 by the hopper elevating mechanism 135, and the new transfer card is fed out from the feeding port 136 by the pushing arm 140, and the feed rollers 52, 42, It is dispensed from the card insertion slot 2 via 32. Further, when a non-tradeable card is generated, the card is transported to the delivery port 136 through a route (not shown), and is taken into the card loading chamber 8 facing the transport path 10 by the hopper elevating mechanism 135.

<Effects of the Invention> Since the automatic transaction apparatus of the present invention is provided with the card holding chamber as described above, it is possible to perform a desired transaction operation regardless of the insertion order of the magnetic card and the transfer card. Moreover, because it is provided at the rear of the device case, if a door for taking out etc. is provided at the rear, holding of the card in the card storage room and taking out the non-tradeable card of the non-tradable card in the card taking-in room, etc. Various types of maintenance can be performed very easily and satisfactorily.

[Brief description of drawings]

FIG. 1 is a schematic side view of an automatic transaction device according to the present invention, FIG. 2 is an external perspective view of the automatic transaction device, and FIG. 3 is a schematic side view showing a conventional automatic transaction device. 1 ... Transaction card (transfer, magnetic card), 2 ... Card insertion slot, 3 ... Card recognition unit, 31 ... Magnetic head, 4 ... Card printing unit, 5 ... Journal / receipt storage room, 6 ... … Journal printing section, 7 …… Card storage room, 8 …… Card loading room, 10 …… Transport path, 120 …… Card storage room, 130 …… Hopper, 135 …… Hopper lifting mechanism, 140 …… Extrusion arm .

Claims (1)

(57) [Claims] 1. A card insertion port provided in front of an apparatus housing, a card recognition unit for reading transaction information of a transaction card inserted from the card insertion port, and a card printing unit for printing transaction information on a new transaction card. , A journal printing unit for printing transaction information on receipts and journal paper from the journal / receipt storage chamber, and a journal printing unit are arranged in a horizontal series via a transport path, respectively,
In the rear of the device housing, there is provided a card storage room for repeating new transaction cards in the transport path, and a card loading room for taking in the non-tradable card from the transport. A card storage chamber, a card storage chamber, and a card storage chamber that are arranged in three layers in the hopper, and a hopper lifting mechanism that moves the hopper up and down to face the card storage chamber and the card storage chamber to the transfer path, respectively. And an pushing arm for feeding the transaction card in the card storage chamber or the card holding chamber facing the transport path onto the transport path by link drive by a solenoid.