JP3756908B2 - Passbook handling device - Google Patents

Description

  The present invention relates to a bankbook handling apparatus that stores an unrecorded transaction history and stores a plurality of bankbooks and automatically issues the bankbook according to a book transaction in a financial institution such as a bank.

2. Description of the Related Art Conventionally, financial institutions such as banks have performed cash deposit and withdrawal transactions using a cash card using an automated teller machine (hereinafter referred to as ATM). These cash deposit / withdrawal transactions are performed by increasing / decreasing the deposit / savings balance (amount) in the deposit / savings transaction account that the account has opened, and the transaction result is printed in the passbook as transaction history information. Banks and the like handle processing operations related to a plurality of types of bankbooks, and it is generally said that there are about 10 to 20 types of bankbooks (subjects). In the device that issues these passbooks, first pass out one passbook corresponding to the transaction item from the passbook storage department, print the customer's name, account number, etc. on the cover, then turn the cover and the customer on the back cover. After printing the name, account number, branch name, etc., turn the inner paper, print the transaction details on the opened inner paper, and then record the magnetic information on the magnetic stripe provided on the back cover side. It is transported to the issuing port and discharged to complete the issuing process in the bankbook handling device.
If the transaction details cannot be printed on the passbook in use, a passbook carryover occurs and a new passbook issuance process is performed. When a new passbook is issued, for example, as disclosed in JP-A-5-73600 In addition, a new passbook issuance identification part with information on whether or not a new passbook should be issued is provided in the magnetic stripe of the passbook, and a new passbook can be issued by inserting it into a device with a passbook issue function is also proposed. Has been.

JP-A-5-73600

In the passbook issuing method described in the above document, it is possible to issue a new passbook without having to go to the counter, and it is possible to issue a new passbook not later than when a passbook carryover occurs but also at a later date. However, in order to issue a new passbook at a later date, it was necessary to bring a passbook, and after issuing a new passbook, it was necessary to take it back again. In addition, when issuing a new passbook with an automated device with a passbook issuing function, the old passbook is discharged after the new passbook is discharged, so the customer may return at the stage of receiving the new passbook There was a problem that there was a risk of forgetting to take the old passbook.
In view of the above problems, an object of the present invention is to provide a bankbook handling apparatus that allows a new bankbook to be issued without going to a counter, and allows a customer to receive only a new bankbook.

The present invention in order to solve the above described problems is the passbook handling apparatus capable issued new passbook When there is no printable page passbook issued in response to the customer account, the when issuing a new passbook, the customer account Is obtained, the account information is obtained from the card-like medium, it is confirmed that the passbook is not carried over in the identified customer account, and the collation by the personal identification number is further performed .

  As described above, according to the present invention, when a new passbook is issued, it is possible to issue a new passbook without going to the counter, and the customer can receive only the new passbook. .

Hereinafter, a first embodiment of the present invention will be described with reference to the drawings. FIG. 1 is an external view of a bankbook handling apparatus according to the present invention, and FIG. 2 is a schematic configuration diagram of the bankbook handling apparatus according to the present invention as viewed from the direction of arrow A shown in FIG. FIG. 3 is a control block diagram of the bankbook handling apparatus of the present invention. In addition, the same code | symbol is attached | subjected about the element common to each drawing.
In the figure, reference numeral 1 denotes a bankbook handling apparatus for processing the bankbook 2 described above, and a bankbook printing processing section 3 for processing the bankbook 2 is arranged at the top, and a bankbook storage section 4 for storing a plurality of bankbooks 2 is arranged at the bottom. Has been. The passbook print processing unit 3 performs a printing process or the like on a passbook 2 (not shown) inserted from the passbook insertion / return port 5, and further, means for reading and updating information recorded in the passbook 2 by a mechanism to be described later, and printing It has page line detection means, page break means and the like. Reference numeral 6 denotes a customer operation unit, which is a touch panel for performing customer guidance display for inputting a transaction by a customer or inputting an operation, as shown in the display example of the customer guidance screen at the start of transaction shown in FIG. Corresponding key operation input is made by displaying a passbook entry guide or the like, or by lightly touching (pressing down) the key display or picture.

The passbook print processing unit 3 provided at the top is provided with a magnetic reading / writing unit 8 for reading and writing magnetic recording information on a magnetic stripe 2 a (not shown) provided in advance on the back cover of the passbook 2. Is possible. Reference numeral 9 denotes a page / line reading unit that can optically read a page mark 2b (not shown) of the opened bankbook 2 and optically detect a printed line.
Reference numeral 10 denotes a printing unit composed of a print head, a platen, and a print head drive unit for performing printing processing on the passbook 2, and receives transaction history information from a host device and outputs a print on a predetermined page and line. Do.

  Reference numeral 11 denotes a page break portion for turning a page when a passbook is generated for the bankbook 2 to be handled, for turning on a cover or a middle sheet of the bankbook 2 or closing the bankbook 2 when a new bankbook to be described later is issued. It is a mechanism part. Reference numeral 12 denotes a reject box for taking in and storing the passbook 2 that the customer forgot to take or the new passbook 2 judged to be inappropriate for issue.

  13 is a bankbook reversing unit, and the bankbook 2 to be handled is a compound course bankbook (so-called double-stripe bankbook as shown in FIG. 5, which is for two courses in the general account and government bond period in the figure, corresponding to each course. In the case of magnetic stripes 2a, 2a '), the front and rear ends are exchanged in the conveyance direction. The passbook 2 conveyed to the horizontal rotary table is rotated while being placed, and the front and rear ends of the passbook are exchanged. And is constituted by a known technique according to Japanese Patent Application Laid-Open No. 61-283963.

14 is a distribution passbook inserted through the passbook insertion / return port 5 (a passbook already issued and owned by the customer, hereinafter referred to as a passbook 2c), and when there is no printable page, the passbook 2c is temporarily stored when a passbook rollover occurs. This is a bankbook saving unit for saving the password. Reference numeral 15 denotes a first conveyance path. The passbook 2c inserted from the passbook insertion / return port 5 described above is transferred 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. , The passbook reversing unit 13 and the passbook saving unit 14 can be transported, and is configured by a transport mechanism (not shown) and driven and controlled by the passbook print control unit 16. Reference numeral 15a denotes an insertion detector provided in the vicinity of the passbook insertion / return port 5.
In addition, in the 1st conveyance path 15, the branch part to the rejection box 12 and the passbook evacuation part 14 has a conveyance direction switching means not shown, but description is abbreviate | omitted.

Next, the outline of the bankbook storage unit 4 will be described.
The passbook storage unit 4 is provided with a plurality of passbook cassettes 4a to 4f that can store unused passbooks (hereinafter referred to as passbook 2d) of different transaction items as a medium, and each passbook cassette has the same transaction items. About 100 passbooks 2d are stored. Note that the passbook 2d is taken out from any of the passbook cassettes 4a to 4f by the medium carrier 17 provided substantially at the center of the passbook storage unit 4 and movable in the vertical direction, and is transported in the direction of arrow B. It is sent to the passbook print processing unit 3 via the upper second conveyance path 18.

A storage unit 19 includes 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 printing control unit 16, the medium carrier 17, and the storage unit 19 described above, 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 each of the units.
A plurality of types of customer guidance screens displayed on the customer operation unit 6 are stored in the storage unit 19 in advance, and are sequentially displayed and controlled according to instructions from the main control unit 20 according to the progress of the transaction.

  FIG. 6 is a relationship chart showing the priority display order of passbooks that can be issued. In the figure, the case of the subject “General Account Passbook” is shown, and predetermined identification codes are given by gender, age, hobby / specialty. ing. For example, the hobby / special skill classification “00” indicates that no special hobby or special skill is declared, and “01” indicates that a sport or appreciation is registered as a hobby or special skill, “10”. Is divided into cases such as painting, reading, watching movies and so on. Passbook types A, B, C, and D indicate the passbooks that can be issued, and the order of priorities 1 to 4 is set for each apparatus by a registration method (not shown).

  A terminal controller 22 controls communication between the bankbook handling apparatus 1, ATM (not shown), etc., and the host computer 23 which is a host apparatus. A host computer 23 is connected to the terminal controller 22 through a communication line, and has a storage device 24 that stores an account number for each customer, deposit and saving balance information, customer identification data, and the like.

  The storage device 24 includes an account information file 24a that stores transaction history information corresponding to an account number for each customer, deposit and savings balance information, customer identification data, and the like, date of birth and sex that is customer attribute information as customer information, Customer information file 24b storing blood type, hobbies, special skills, family structure, and the like, and medium information file storing medium identification number, outline size information, and page mark assignment information assigned in advance for each medium handled 24c.

<Passbook processing>
Next, a “passbook entry” process for printing an unbooked transaction history on the passbook 2c brought by the customer will be described. When the customer approaches the bankbook handling apparatus 1, it is detected by a customer approach detector (not shown) that the customer has entered the predetermined distance range, and a customer guidance screen as shown in FIG. 4 is displayed. 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, when the bankbook 2c is transported by the transport mechanism of the first transport path 15, the customer account information is read from the magnetic stripe 2a provided in the bankbook 2c by the magnetic reading / writing unit 8, and this account information is transmitted to the host computer 23. The search for customer account information in the storage device 24 is started on the host computer 23 side.

On the other hand, conveyance of the bankbook 2c toward the printing unit 10 is started, and a page mark 2b as page information provided at a predetermined location of the bankbook 2c by the page / line reading unit 9 provided in the first conveyance path 15. And optically read printed line information. The information read by the magnetic reading / writing unit 8 and the page / row reading unit 9 is collated, and when the information optically read from the opened page and the page to be printed do not match, the page breaker 11 makes a predetermined page. Opening operation is performed.
When unrecorded transaction history information of a customer account is returned as customer account information from the host computer 23, printing is performed on the passbook 2c. Here, if unrecorded transaction history information remains even after printing on all printable pages, “passbook carryover” is set (details will be described later).

When printing is finished, the magnetic reading / writing unit 8 is conveyed 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 print line has been printed. Subsequently, the recording information of the magnetic stripe 2 a is updated (for example, printable page, printed line information, etc.) in the magnetic reading / writing unit 8 and discharged to the passbook insertion / return port 5. The above is the bookkeeping process of the inserted bankbook 2c.
When the insertion detector 15a detects that the bankbook 2c has been removed by the customer, the customer guidance screen is displayed as “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 24 a in the storage device 24.

<Passbook issue processing 1>
The operation of the first embodiment of the present invention will be described with reference to the operation flowcharts shown in FIGS. Furthermore, here, a case where a “general account passbook” is issued with a passbook 2d stored in the passbook storage unit 4 is taken as an example. S represents a step.
The passbook 2c is inserted, and unrecorded transaction history information is sequentially printed (S1). If unrecorded transaction history information remains even after printing on all printable pages, the bankbook is carried forward ( S2). If the bankbook is carried over here, the last page of the bankbook 2c will be printed with "It has been carried over to the new bankbook" and the customer will be informed that "Please wait for a while as we will carry over to the new bankbook" (S3) Then, the bankbook 2c is conveyed to the bankbook saving unit 14 and temporarily saved (S4).

When the bankbook handling apparatus 1 receives the customer's sex, age, hobby / special skill information, etc. from the customer information file 24b, the bankbook handling apparatus 1 displays the design of the bankbook 2d that can be issued stored in the storage unit 19 (S6). In this display, the passbook type to be preferentially displayed is determined according to the relationship diagram shown in FIG. For example, as shown in FIG. 9, these patterns are a plurality of types of patterns (201 to 204), and a passbook desired by the customer can be selected.
When the customer sees the passbook cover picture and presses the desired picture display part (S7), when the picture 201 is selected, the main control part 20 displays only that picture as shown in FIG. S8), "Please press the confirmation button if it is OK" is displayed and confirmation is requested (S9). In step S9, when the customer presses the “cancel” key, the screen returns to the display of the picture screen displayed in step S6 (FIG. 9).
In addition, as shown in FIG. 11, if a part of the cover picture is overlapped and displayed together with the priority order from the customer information, various kinds of passbooks can be displayed in a size close to the real size without reducing the display. .

When the passbook 2d (general account passbook) to be issued is selected and the “confirm” key is pressed, the issue instruction is issued (S9), and the medium carrier 17 is moved to the general account passbook storage location of the passbook storage unit 4 Then, only one book is taken into the medium carrier 17 by a predetermined operation (S10).
The medium carrier 17 holding the bankbook 2d moves in the direction of arrow B, rises to the position indicated by the alternate long and short dash line, and stops. Subsequently, the conveyance means in the medium carrier 17 is controlled, and the bankbook 2 d is delivered to the second conveyance path 18.

  The bankbook 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 bankbook 2d (S11). When the medium identification information indicating that it is the bankbook 2d requested by the customer is detected by this reading (S12), the process proceeds to the next process and the new bankbook issuing process (S13) is started.

  In step S12, if medium identification information different from the passbook 2d requested by the customer (for example, it is a savings account 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 the passbook 2d into the medium carrier 17 by a predetermined operation is repeated (S10 to S12). Even if this repetitive operation is performed a predetermined number of times, if medium identification information different from the passbook 2d requested by the customer is detected, the number of times is over (S15), and error processing is entered to shift to the staff (S16).

Next, the new passbook issuing process shown in step 13 will be described.
When it is confirmed by the magnetic reading / writing unit 8 that it is a predetermined “general account passbook”, it is conveyed to the printing unit 10 where the customer name and account number are printed on the cover, and then printed on the inner sheet. In order to do this, a cover turning operation is required. When the cover is turned to the page breaker 11 and the cover is turned according to a predetermined procedure and the cover is opened, the cover is then transferred to the page / line reading unit 9 and the page mark 2b of the opened page is read and printed on the page to be printed. After confirming that it is present, it is conveyed again to the printing unit 10 and the customer's name, account number, store name, telephone number, etc. are printed on the back of the cover. Next, it is retransmitted to the page breaker 11, the middle page is turned over, the unrecorded transaction history information is printed by the printing unit 10, and finally conveyed to the magnetic reading / writing unit 8, and the customer such as an account number is stored in the magnetic stripe 2 a. Magnetically record information.

  If the “general account passbook” is a compound subject passbook, a page closing operation of the passbook 2d opened by the page break unit 11 is executed. At this time, control is performed so that the lower (back side) page of the passbook 2d is closed upward so that the back cover side faces the upper surface. Next, the sheet is conveyed to the bankbook reversing unit 13 and rotated horizontally by 180 degrees and then returned to the printing unit 10. As a result, the back cover surface side and the print head face each other, and printing on the back cover can be performed by the same control as the front cover. Subsequently, in the operation of the closed passbook 2d, 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 in order to print on the inner paper in the same manner as the processing on the cover side. When it is conveyed to the page breaker 11 and executed in a predetermined procedure, it is conveyed to the page / line reading unit 9 to check whether the opened page is a page to be printed in the same manner as described above, and again the printing unit 10 to carry out printing processing of unrecorded transaction history information, and carry it to the magnetic reading / writing unit 8 to perform magnetic recording on the magnetic stripe 2a 'provided on the cover side.

  It has been described that the reverse operation is performed by the passbook reversing unit 13 after the back cover is closed. However, the reverse operation may be performed after the reverse is performed. Alternatively, the back cover may be printed after the inner sheet is printed and closed. It goes without saying that printing may be performed.

  Returning to the description of the operational flowchart again. When the recording of the magnetic information is completed, it is notified that "Please wait, please receive a new bankbook" (S17), and the bankbook 2d is transported to the bankbook insertion return 5 (S18). When the insertion detector 15a detects the withdrawal of the bankbook 2d (S19), the process proceeds to the return of the bankbook 2c temporarily saved in the bankbook saving unit 14, but the bankbook 2d is not removed for a predetermined time in step S19. Is detected by time monitoring (S20), the bankbook handling apparatus 1 determines that the bankbook 2d has been forgotten, and takes the bankbook 2d into the reject box 12 (S21).

  When returning the bankbook 2c, the magnetic reading / writing unit 8 records the paid information on the magnetic stripe 2a and then transports the bankbook 2c to the bankbook insertion / return port 5 (S22). When the insertion detector 15a detects the withdrawal of the passbook 2c (S23), the processing in the passbook print processing unit 3 is completed.

When it is detected by time monitoring that the passbook 2c is not removed for a predetermined time in step S23 (S24), the passbook handling device 1 determines that the passbook 2c has been forgotten, and takes the passbook 2c into the reject box 12 ( S21).
When it is detected by the insertion detector 15a that the customer has pulled out the bankbook 2c, the customer guidance screen is displayed "Thank you, Mr. XX, we are waiting for your next visit" (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 finished (S26).

<Passbook issue processing 2>
Next, a second embodiment of the present invention will be described with reference to the system configuration diagram shown in FIG. 12 and the operation flowcharts shown in FIGS. In this embodiment as well, a case where a “general account passbook” is carried forward and issued by the passbook 2d stored in the passbook storage unit 4 is taken as an example. S represents a step.

  In the figure, 7a, 7b, and 7c are ATMs, and are connected to a host computer 23 by a terminal controller 22. Further, the bankbook handling apparatus 1 is also connected to the terminal controller 22 described above. In addition, it is assumed that the customer has made a transaction (passing transaction) using the bankbook 2c using ATM7 and accepted the operation for receiving the bankbook 2d by the bankbook handling device 1 due to the bankbook carryover. .

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

  First, the bankbook 2c is conveyed by the conveyance mechanism of the first conveyance path 15, and the customer account information is read from the magnetic stripe 2a provided in the bankbook 2c by the magnetic reading / writing unit 8 (S34). The customer account information is displayed to the customer, “Mr. XX, we will issue a new passbook. Please wait for a while” (S35), inform the customer that the passbook is issued and send this account information to the host computer 23. (S36). On the host computer 23 side, it is confirmed from the account information that it is necessary to carry over the bankbook (S37), and the bankbook 2c is transferred to the bankbook saving unit 14 and temporarily saved (S38).

When the bankbook handling apparatus 1 receives the customer's sex, age, hobby, special skill information, etc. from the customer information file 24b, the bankbook handling apparatus 1 displays the passbook image that can be issued according to the priority display criteria stored in the storage unit 19 (S39). As shown in FIG. 9, these patterns are a plurality of types of patterns (201 to 204), and a passbook desired by the customer can be selected.
When the customer sees the passbook cover picture and presses the desired picture display part (S40), the main control part 20 displays only the picture of the selected passbook as shown in FIG. 10 (S41). Press the “Confirm” button ”to request confirmation (S42). If the customer presses the “cancel” key in step S42, the display returns to the picture screen displayed in step S39.

When a passbook to be issued is selected and an issuance instruction for “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 copy is stored in the medium carrier 17 by a predetermined operation. The bankbook 2d is taken in (S43).
The medium carrier 17 holding the bankbook 2d moves in the direction of arrow B shown in FIG. 2, rises to the position indicated by the alternate long and short dash line, and stops. Subsequently, the conveyance means in the medium carrier 17 is controlled, and the bankbook 2 d is delivered to the second conveyance path 18.

  The bankbook 2d held in the second transport path 18 is transported to the first transport path 15, transported to the magnetic reading / writing unit 8, and reads the magnetic stripe 2a of the bankbook 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.

If medium identification information different from the passbook 2d requested by the customer is detected in step S45, the passbook 2d is first taken into the reject box 12 (S47). Then, the operation of moving the medium carrier 17 again and taking the passbook 2d into the medium carrier 17 by a predetermined operation is repeated (S43 to S45). If medium identification information that is different from the passbook 2d requested by the customer is detected even if this repeated operation is performed a predetermined number of times (S48), error processing is entered as the number of times exceeded, and a shift to clerk correspondence is made (S49).
The above-described new passbook issuance processing is completed, in which it is transported to the printing unit 10 for printing unrecorded data and transported to the magnetic reading / writing unit 8 for magnetic recording on the magnetic stripe 2a.

When the recording of the magnetic information is completed, it is informed that “Mr. XX, I ’ve been waiting, there are two passbooks, please receive from the new passbook first” (S50), and the passbook 2d is transported to the passbook insertion return 5 (S51). When the insertion detector 15a detects the withdrawal of the bankbook 2d (S52), it notifies that “Please receive another bankbook” and shifts to returning the bankbook 2c temporarily saved in the bankbook saving unit 14.
When it is detected in step S52 that the bankbook 2d is not extracted for a predetermined time (S53), the bankbook handling apparatus 1 determines that the bankbook 2d has been forgotten and takes the bankbook 2d into the reject box 12 ( S54).

Next, when returning the bankbook 2c, the magnetic reading / writing unit 8 magnetically records the paid information on the magnetic stripe 2a (S55), and then transports the bankbook 2c to the bankbook insertion / return port 5 (S56). When the insertion detector 15a detects the withdrawal 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 bankbook 2c has not been removed for a predetermined time (S58), the bankbook handling apparatus 1 determines that the bankbook 2c has been forgotten and takes the bankbook 2c into the reject box 12 ( S54).

  When it is detected by the insertion detector 15a that the customer has pulled out the bankbook 2c, the customer guidance screen is displayed “Thank you. Mr. XX, we are waiting for your next visit” (S59). . 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 in a transaction journal (not shown). The transaction ends (S60).

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

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

  Reference numeral 34 denotes a conveyance roller, which is provided in the card conveyance path 33 at an interval at which the customer card 32 can be conveyed, and conveys the customer card 32 by being rotated by a driving means (not shown). A magnetic reading unit 35 reads magnetic recording information recorded as customer information from a magnetic stripe 32 a provided on the customer card 32. Reference numeral 36 denotes a stacker for taking in the customer card 32, which is for temporary storage when the customer forgets to take the card and leaves the bankbook handling apparatus 1a.

  Next, a case where the “ordinary deposit book” is issued by carrying forward will be described with reference to the operation flowcharts shown in FIGS. 18 and 19. In addition, the customer makes a transaction using the passbook (passed transaction) using ATM 7 or the like in advance, and the customer wishes to receive a new passbook by the passbook handling device 1a when a passbook carryover occurs and the customer card 32 Is assumed to be owned.

When the customer approaches the bankbook handling apparatus 1a, a customer approach detector (not shown) detects that the customer has entered the predetermined distance range, and displays a customer guidance screen as shown in FIG. When the “issue carry-over” key is pressed according to the display (S61), “insert card” is displayed and the customer card 32 is prompted to be inserted (S62).
When the customer card 32 is inserted from the card insertion slot 31 by the customer (S63), the insertion detector 33a detects this and the card processing unit 30 starts operating.

  First, the conveyance roller 34 sandwiches and rotates the customer card 32 to convey it to the internal magnetic reading unit 35 and read customer account information from the magnetic stripe 32 a provided on the customer card 32. When this customer account information is transmitted to the host computer 23, a search for account information corresponding to the received information is started on the host computer 23 side.

When the customer account is identified and it is confirmed that the bankbook has not been carried forward, the customer is informed that “Please enter your PIN number because a new bankbook will be issued.” 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 checks the personal identification number in the account information file 24a (S67). If they match, the host computer 23 sends the customer information to the passbook processing apparatus 1a (S68).

  Note that if the password entered by the customer is not matched as a result of collation on the host computer 23 side, the customer operation section 6 will say “The password is wrong. Please enter the password again”. It is displayed and a re-input request is made (S69). When the number of re-inputs is counted and the number is over (S70), the message “Your transaction cannot be made because the password is different. Please come to a nearby counter” and the customer card 32 is inserted into the card insertion slot 31. (S71).

  As the bankbook handling apparatus 1a, the insertion detector 33a monitors that the customer card 32 is removed for a predetermined time, and when the customer card 32 is removed, the initial screen shown in FIG. 4 is restored (S72). Further, when the customer approach detector stops detecting the customer, the screen shifts to a standby screen display.

  When the bankbook handling device 1a receives the customer's sex, age, hobby, special skill information, etc. from the customer information file 24b, the bankbook handling apparatus 1a displays a passbook image that can be issued according to the priority display criteria stored in the storage unit 19 (S73). This picture displays a plurality of pictures of the ordinary deposit passbook that can be issued, and allows the customer to select a passbook desired by the customer. When the customer sees this picture and presses the desired display part (S74), the main control part 20 displays only the picture of the selected bankbook 2d and displays "Please 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 the issuance instruction of “save deposit passbook” is transmitted, the medium carrier 17 is moved to the storage location of the passbook storage unit 4 in the passbook storage unit 4, and only one volume carrier 17 is moved by a predetermined operation. The bankbook 2d is taken in (S77).
The medium carrier 17 holding the bankbook 2d moves in the direction of arrow B shown in FIG. 2, rises to the position indicated by the alternate long and short dash line, and stops. Subsequently, the conveyance means in the medium carrier 17 is controlled, and the bankbook 2 d is delivered to the second conveyance path 18.

The bankbook 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 bankbook 2d (S78). When the medium identification information of the passbook 2d requested by the customer is detected by this reading (S79), the process proceeds to the next process and the new passbook issuing process (S80) described is started.
If medium identification information different from the passbook 2d requested by the customer is detected in step S78, the passbook 2d is first taken into the reject box 12 (S81). Then, the operation of moving the medium carrier 17 again and taking the passbook 2d into the medium carrier 17 by a predetermined operation is repeated (S77 to S79). If the medium identification information different from the passbook 2d requested by the customer is detected even if this repetitive operation is performed a predetermined number of times (S82), the error processing is entered as the number of times exceeded, and a shift to clerk correspondence is made (S83).

When the above-described new passbook issuance processing is completed for the passbook 2d and the magnetic information recording is completed, “XX, please wait, please receive the card and new passbook” (S84), the card first The processing unit 30 starts conveying the customer card 32 held by the magnetic reading unit 35 and discharges it 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.
When it is detected that the customer card 32 is not removed for a predetermined time (S87), the bankbook 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 bankbook 2d is conveyed to the bankbook insertion / return port 5 (S89). When the insertion detector 15a detects the withdrawal of the bankbook 2d (S90), the customer guidance screen is displayed with "Thank you. Mr. XX, we are waiting for your next visit" (S91). If it is detected that the withdrawal of the bankbook 2d is not performed for a predetermined time (S92), the bankbook handling apparatus 1a determines that the bankbook 2d is forgotten, and takes the bankbook 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 discharged first, and the new passbook 2d is subsequently discharged. Needless to say, it is possible to control so that the new passbook 2d is discharged first and the customer card 32 is continuously discharged.

<Passbook issue processing 4>
Next, a fourth embodiment will be described.
FIGS. 20 and 21 are operational 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-owned dedicated card instead of a customer card. .

  In this description, a case where a “bank passbook” is carried forward will be described. In addition, in order to receive a new passbook by the passbook handling apparatus 1a when a customer makes a transaction (passage transaction) using the passbook 2c using ATM7 in advance as in the above-described embodiment, a passbook carryover occurs. Description will be made assuming that a dedicated card 38 as shown in FIG. 22 is lent as the operation medium. In the host computer 23, when the dedicated card 38 is issued from the ATM 7 or the like, customer identification information and card information are linked and stored.

When the customer holds the dedicated card 38 and approaches the bankbook handling apparatus 1a, it is detected by the customer approach detector (not shown) that the customer has entered the predetermined distance range, and the customer guidance screen as shown in FIG. 4 is displayed. To do. When the “carry forward issue” key is pressed according to the display (S101), the message “Please insert the dedicated card” is displayed and the customer is prompted to insert the dedicated card 38 (S102).
When the customer inserts the dedicated 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 sandwiches and rotates the dedicated card 38 to transport it to the internal magnetic reading unit 35, and reads card information from the magnetic stripe 38a provided on the dedicated card 38 (S104). The customer is informed that "Please wait for a while as a new bankbook is issued" (S105).
If the card reading is bad in step S104, error processing is performed (S106), but there may be a case where a card other than the dedicated card 38 or the wrong card is inserted, but this is not related to the present invention and is omitted. To do. When the card information read from the dedicated card 38 is transmitted to the host computer 23 (S107), a search for customer information corresponding to the card information is started on the host computer 23 side.

  When the customer account is specified and it is confirmed that the bankbook carryover is not carried out, the bankbook handling apparatus 1a receives the customer's sex, age, hobby, special skill information, etc. from the customer information file 24b (S108), and the storage unit The picture of the passbook is displayed according to the priority display standard stored in 19 (S109). This pattern displays a plurality of cover patterns of the ordinary deposit passbook that can be issued, and enables the customer to select a passbook desired by the customer.

  When the customer sees this design and presses the desired display (S110), the main control unit 20 displays only the design of the selected bankbook 2d and displays “Please press the“ Confirm ”button if it is OK”. 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 the issuance instruction of “save deposit passbook” is transmitted, the medium carrier 17 is moved to the storage location of the passbook storage unit 4 in the passbook storage unit 4, and only one volume carrier 17 is moved by a predetermined operation. The bankbook 2d is taken in (S113).
The medium carrier 17 holding the bankbook 2d moves in the direction of arrow B shown in FIG. 2, rises to the position indicated by the alternate long and short dash line, and stops. Subsequently, the conveyance means in the medium carrier 17 is controlled, and the bankbook 2 d is delivered to the second conveyance path 18.

The bankbook 2d held in the second transport path 18 is transported to the first transport path 15, transported to the magnetic reading / writing unit 8, and reads the magnetic stripe 2a of the bankbook 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 a new passbook issuing process (S116) is started.
If medium identification information different from the passbook 2d requested by the customer is detected in step S115, the passbook 2d is first taken into the reject box 12 (S117). Then, the operation of moving the medium carrier 17 again and taking 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 if this repeated operation is performed a predetermined number of times (S118), the error processing is entered as the number of times exceeded, and the process shifts to the clerk correspondence (S119).

When the above-described new passbook issuance process is completed for the passbook 2d and the magnetic information recording is completed, “XX, please wait and receive a new passbook” is notified (S120), and the passbook 2d is inserted. It is transported to the return port 5 (S121). When the insertion detector 15a detects the withdrawal of the bankbook 2d (S122), the customer operation ends.
When it is detected by the customer that the insertion detector 15a has pulled out the bankbook 2d, the customer guidance screen is displayed as “Thank you. Mr. XX, we are waiting for your next visit” (S123). If it is detected that the bankbook 2d is not removed for a predetermined time (S124), the bankbook handling apparatus 1a determines that the bankbook 2d is forgotten and takes the bankbook 2d into the reject box 12 (S125).

  The card processing unit 30 starts conveying 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 updates the account information file 24a in the storage device 24 (S127).

<Passbook issuing process 5>
Next, a fifth embodiment will be described.
A difference from the description of the fifth embodiment and the third and fourth embodiments of the present invention is that an iris data processing unit 40 is added as shown in the external view of FIG. 23 in place of the card processing unit. Yes, this iris data processing unit is shown in FIG.
In the present embodiment, a case where a “general account passbook” is carried forward will be described. However, a customer makes a transaction using the passbook 2c in advance using ATM7 or the like, and a passbook carryover occurs, and the passbook handling device 1b. To accept the new passbook.

In FIG. 24, reference numeral 41 denotes a camera for collecting specific data such as a customer's human body, in particular, a face and eyes, and a rotation mechanism 42 composed of a motor for rotating the camera 41 in the vertical direction and the horizontal. It has a rotation mechanism 43 composed of a motor that rotates the camera 41 in the direction, and the field of view can be moved by a predetermined angle range. The iris image processing unit 44 captures and images an eyeball. Processing is performed. The iris image processing unit 44 has a function for processing an eyeball image photographed from a customer by the camera 41 into iris data.
In this embodiment, as described with reference to FIG. 12, the bankbook handling apparatus 1 and the ATM 7 are connected to the host computer 23 via the terminal controller 22.

  Here is a brief description of the iris data. The pattern of the surface layer of the human eyeball, especially the iris, is formed with patterns such as radial black streaks and outer contours centered on the crystalline lens, and this pattern is completed in childhood. The right eye and the left eye are different for each individual and even for the same person. Therefore, when this iris pattern is used, the personal identification ability is particularly excellent.

  The iris pattern is optically scanned along a predetermined line, and the light and dark extracted by the scan 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 the surrounding moving image data and compares it with the moving image data several frames before. Detects parts with data changes.

  Such a part is detected, and the shape of the part is compared with the shape of the human body stored in advance in the storage unit 19 to identify whether it is close to the shape of the human body. It is determined that it is 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, image-processed, and used for personal identification.

When the customer approaches the bankbook handling apparatus 1b, a customer approach detector (not shown) detects that the customer has entered the predetermined distance range, and displays a customer guidance screen as shown in FIG. When the “carry forward issue” key is pressed according to the display (S131), “confirm customer” is displayed, the rotation mechanisms 42 and 43 of the camera 41 are controlled (S132), and the customer's iris image acquisition operation is performed. To start.
When the iris data is acquired by the above procedure (S133), the iris data is transmitted to the host computer 23 (S134) and temporarily stored in the storage unit 19 of the bankbook handling apparatus 1b.

The iris data transmitted to the host computer 23 is searched with the customer account file 24a stored in the storage device 24 for each customer's iris data stored in advance (S135), and from the matched iris data, the name and account number of the corresponding customer. Is returned to the bankbook handling apparatus 1b and the bankbook entry mode is set (S136).
When the customer account is specified and it is confirmed that the bankbook is not carried over, the customer is informed that “Mr. XX, we will issue a new bankbook, please wait for a while” (S137).

  The bankbook handling apparatus 1b displays the passbook image according to the priority display standard stored in the storage unit 19 based on the customer's sex, age, hobby, special skill information, etc. from the customer information file 24b (S138). At this time, for example, a customer who is 60 years old (60th birthday) can select whether or not the picture is desired by displaying a passbook of a “celebration” picture as shown in FIG.

When the customer sees this picture and presses the “confirm” button (S139), the main control unit 20 displays the picture of the selected passbook 2d and displays “If it is OK, press the“ Confirm ”button again”. Confirmation is requested (S140). If the customer presses the “next candidate” key in step S139, the screen returns to the display of the picture screen displayed in step S138.
In step S135, when the iris data is collated on the host computer 23 side and the customer does not need to carry over the bankbook, when the customer cannot be identified, or when the iris data cannot be acquired, a guidance display to the window is displayed. Although details are not relevant to the present invention, they are omitted.

  When the passbook 2d to be issued is selected and a “general account passbook” issuance instruction 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 media carrier 17 is moved by a predetermined operation. The bankbook 2d is taken in (S142). The medium carrier 17 holding the bankbook 2d moves in the direction of arrow B shown in FIG. 2, rises to the position indicated by the alternate long and short dash line, and stops. Subsequently, the conveyance means in the medium carrier 17 is controlled, and the bankbook 2 d is delivered to the second conveyance path 18.

The bankbook 2d held in the second transport path 18 is transported to the first transport path 15, transported to the magnetic reading / writing unit 8, and reads the magnetic stripe 2a of the bankbook 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 a new passbook issuing process (S145) is started.
If medium identification information different from the passbook 2d requested by the customer is detected in step S144, the passbook 2d is first taken into the reject box 12 (S146). Then, the operation of moving the medium carrier 17 again and taking the passbook 2d into the medium carrier 17 by a predetermined operation is repeated (S142 to S144). If medium identification information different from the passbook 2d requested by the customer is detected even if this repetitive operation is performed a predetermined number of times (147), error processing is entered as the number of times exceeded, and the process proceeds to clerk correspondence (S148).

In parallel with the new passbook issuing process in step S145, the iris data is collected again (S149). The recollected iris data and the iris data stored in the storage unit 19 are collated (S150), and if they match, it is determined that they are the same person.
When the above-described new passbook issuance processing is completed for the passbook 2d and the magnetic information recording is completed, “XX, please wait and receive a new passbook” is notified (S151). When the bankbook 2d is conveyed to the bankbook insertion / return port 5 (S152) and the insertion detector 15a detects the withdrawal of the bankbook 2d (S153), the customer operation is terminated.

When it is detected by the customer that the insertion detector 15a has pulled out the bankbook 2d, the customer guidance screen is displayed as "Thank you. Mr. XX, we are waiting for your next visit" (S154). If it is detected that the bankbook 2d is not extracted for a predetermined time (S155), the bankbook handling apparatus 1b determines that the bankbook 2b has been forgotten and fetches the bankbook 2b into the reject box 12 (S156).
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 (S157).

If the iris data does not match in step S150, the collected iris data is transmitted to the host computer 23, the customer information is searched, and the customer information file 24c determines that they are the same family. Proceed with the issuing process.
However, in the case of other discrepancies, it is determined that the customer has been replaced, and a message “Please wait for a while because the transaction of the previous customer has not ended” is displayed to the customer in front of the bankbook handling device 1b. Guidance is made to replace the previous customer (S158). If the number of times is exceeded by repeating steps S149 to S150 (S159), the process proceeds to step S156.

Needless to say, if it is not detected that the previous customer has returned within the predetermined time, it is treated as being forgotten.
In the first to fifth embodiments described above, the passbook displayed on the customer operation unit has been described as displaying different “pictures”, but the same picture with different color schemes is prepared and displayed on the color screen. It goes without saying that it is also possible to do.

It is an external view which shows the bankbook handling apparatus of the 1st, 2nd embodiment of this invention. It is a schematic block diagram of the bankbook handling apparatus of this invention. It is a control block diagram of the 1st and 2nd 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 a compound subject bankbook. It is a relationship chart which shows the priority display order of the passbook which can be issued of this invention. It is an operation | movement flowchart of the 1st Embodiment of this invention. It is an operation | movement flowchart of the 1st Embodiment 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 explanatory drawing which shows the example of a display of the customer guidance screen of this invention. It is a system block diagram which shows the 2nd-5th embodiment of this invention. It is an operation | movement flowchart of the 2nd Embodiment of this invention. It is an operation | movement flowchart of the 2nd Embodiment of this invention. It is an external view of the passbook handling apparatus of the 3rd and 4th embodiment of the present invention. It is a control block diagram of the 3rd and 4th embodiment of the present invention. It is a side view which shows the 3rd, 4th embodiment of this invention. It is an operation | movement flowchart of the 3rd Embodiment of this invention. It is an operation | movement flowchart of the 3rd Embodiment of this invention. It is an operation | movement flowchart of the 4th Embodiment of this invention. It is an operation | movement flowchart of the 4th Embodiment of this invention. It is explanatory drawing of the exclusive card | curd of the 4th Embodiment of this invention. It is an external view of the bankbook handling apparatus of the 5th Embodiment of this invention. It is a side view which shows the 5th Embodiment of this invention. It is an operation | movement flowchart of the 5th Embodiment of this invention. It is an operation | movement flowchart of the 5th Embodiment of this invention. It is explanatory drawing which shows the example of a display of the customer guidance screen of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1, 1a, 1b Passbook handling apparatus 2 Passbook 2a, 2a 'Magnetic stripe 2b Page mark 2c New passbook 2d Distribution passbook 3 Passbook print processing part 4 Passbook storage part 5 Passbook insertion return port 6 Customer operation part 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)

In the passbook handling device that can issue a new passbook when there are no printable pages in the passbook issued for the customer account,
When issuing the new passbook ,
Capture a card-like medium that can identify the customer account,
Obtain account information from the card-like medium,
A passbook handling device that confirms that no passbook has been carried over to the specified customer account, and further checks with a PIN . In the bankbook handling device according to claim 1,
A bankbook handling device, wherein the medium is a customer card issued to a customer and used for transactions . In the passbook handling device that can issue a new passbook when there are no printable pages in the passbook issued for the customer account,
A customer operation unit for operation input;
Arrange a card insertion slot to take in the card-like medium to the side of the passbook return slot of the issued bankbook,
When issuing the new passbook,
When a carry forward issuance is input from the customer operation unit, a card-like medium that can identify the customer account is taken from the card insertion slot,
Obtain account information from the card-like medium,
A passbook handling device that performs issuance processing after confirming that no passbook carryover has been performed for the specified customer account . In the passbook handling device according to claim 3,
A passbook handling device, wherein the medium is a dedicated card issued by a passbook issuer .

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