JP5672346B2 - Medium processing apparatus and medium processing system - Google Patents

Description

  The present invention relates to a medium processing apparatus and a medium processing system.

  In recent years, media such as cards and tickets on which magnetic bodies capable of reading and writing magnetic information are formed are used in various places. An example of such a place is an automatic teller machine (ATM), and customers can deposit and withdraw money by inserting a passbook with a magnetic material into the ATM and reading and writing magnetic information. Various transactions such as can be performed.

  Here, since the magnetic material is affected by magnetism from the outside, the magnetic information of the magnetic material may be transformed by the magnetism generated by the mobile phone or the magnet of the handbag, which may hinder the use of the medium. As one countermeasure against such a problem, for example, Patent Document 1 discloses a technique for preventing magnetic information from being damaged by increasing the coercive force of a magnetic material formed in a passbook. However, it is difficult to increase the coercive force of the low coercive force magnetic material formed in the existing passbook. Therefore, when the bankbook is switched, a bankbook having a high coercive force magnetic material is newly issued, thereby realizing a high coercivity of the bankbook. However, because the high coercive force type passbook is more expensive to create than the low coercive force type passbook, financial institutions operate less frequently used passbooks such as foreign currency deposit passbooks as low coercive force type passbooks. There is also a case. In this way, during the transitional period of bankbook switching, unused bankbooks that are loaded into ATMs by financial institution employees to issue bankbooks such as new bankbook issuance and carry-over are low coercive force type. There are two types of passbooks: high-coercivity type passbooks.

  Note that ATM causes a magnetic writing failure when information is written with a current value that is not suitable for the coercive force of the magnetic material formed on the medium. Therefore, ATM may determine the coercivity of the magnetic material before writing information to the magnetic material. As a method for this, for example, ATM reads magnetic information written in a magnetic material, and inquires the read information to a host device through a network, thereby determining the coercive force of the magnetic material.

JP 2008-233997 A

  Here, in such a method, the medium needs to have information for the ATM to make an inquiry to the host device through the network. Therefore, for example, there is a problem that it is necessary to store at least such information in an unused passbook used when an ATM newly issues a passbook. As one of solutions to such a problem, Patent Document 1 discloses a technique for determining the coercive force of a magnetic material by writing magnetic data with a detection current value and reading a reaction output voltage value as a reaction. Yes. In the technique disclosed in Patent Document 1, the issuance magnetic data is written again with a current value suitable for the determined coercive force.

  However, in order to realize the technique disclosed in Patent Document 1, it is necessary to additionally implement a writing function with a detection current value and a reading function with a reaction output voltage value in the ATM.

  Therefore, the present invention has been made in view of the above problems, and the object of the present invention is to determine the coercive force of the magnetic body without making an inquiry to the host device with a simpler configuration. It is an object of the present invention to provide a new and improved media processing apparatus and media processing system.

  In order to solve the above-described problem, according to one aspect of the present invention, a writing for writing information related to a customer's account as writing information with a current value suitable for a predetermined coercive force with respect to a magnetic body formed on a medium. Unit, a reading unit that reads information written on the magnetic body, and a comparison result between the read information read by the reading unit and the write information written by the writing unit And a controller that determines whether or not the coercive force is the predetermined coercive force.

  The control unit may control rewriting by the writing unit when the coercive force of the magnetic body cannot be determined to be the predetermined coercive force.

  The predetermined coercive force is one of a plurality of types of coercive forces of the magnetic body, and the writing unit cannot determine that the coercive force of the magnetic body is the predetermined coercive force by the control unit. In this case, the magnetic material is written again with a current value suitable for a coercive force of a type different from the predetermined coercive force, and the control unit reads the read information read by the reading unit and the written data again. It may be determined whether or not the coercive force of the magnetic body is a different type of coercive force from the predetermined coercive force based on the comparison result with the embedded information.

  The control unit may determine that the coercive force of the magnetic body is the predetermined coercive force when the read information and the write information match.

  The medium may be a passbook.

  When the control unit determines that the read information and the write information match, the magnetic writing process may be terminated normally.

  In order to solve the above-described problem, according to another aspect of the present invention, a writing unit that writes write information to a magnetic material formed on a medium, and the medium is loaded and loaded. The at least one loading unit in which the coercive force of the magnetic material of the medium is set as coercive force information, and the writing unit indicates the coercive force information with respect to the magnetic material of the medium loaded in the loading unit. There is provided a medium processing apparatus including a control unit that controls to write the write information with a current value suitable for coercive force.

  In order to solve the above problem, according to another aspect of the present invention, there is provided a medium processing apparatus for issuing a medium, wherein the current value is suitable for a predetermined coercive force with respect to a magnetic body formed on the medium. A writing unit for writing information relating to the customer's account as writing information, a reading unit for reading the information written in the magnetic material, and the reading information read by the reading unit for issuing processing and the writing A medium processing apparatus comprising: a control unit that determines whether or not a coercive force of the magnetic body is the predetermined coercive force based on a comparison result with the writing information written by the inserting unit; and the medium processing There is provided a medium processing system having a host device that causes the device to start the issuing process.

  As described above, according to the present invention, it is possible to determine the coercive force of a magnetic body without making an inquiry to a host device with a simpler configuration.

It is explanatory drawing which showed the structure of the automatic transaction system by embodiment of this invention. It is explanatory drawing which showed the structure of the automatic transaction apparatus by embodiment of this invention. It is explanatory drawing which showed the structure of the low coercive force type passbook by embodiment of this invention. It is explanatory drawing which showed the structure of the high coercive force type passbook by embodiment of this invention. It is a functional block diagram which shows the structure of the automatic transaction apparatus by 1st Embodiment. It is explanatory drawing which showed schematically the internal structure of the automatic transaction apparatus by 1st Embodiment. It is explanatory drawing which showed the issuing process of the automatic transaction apparatus by 1st Embodiment. It is explanatory drawing which showed the operation | movement of the magnetic-writing process in the issuing process of the automatic transaction apparatus by 1st Embodiment. It is a functional block diagram which shows the structure of the automatic transaction apparatus by 2nd Embodiment. It is explanatory drawing which showed operation | movement of the magnetic-writing process in the issuing process of the automatic transaction apparatus by 2nd Embodiment. It is a functional block diagram which shows the structure of the automatic transaction apparatus by 3rd Embodiment. It is explanatory drawing which showed the operation | movement of the magnetic-writing process in the issuing process of the automatic transaction apparatus by 3rd Embodiment.

  Exemplary embodiments of the present invention will be described below in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

<1. Basic configuration of automatic transaction apparatus and automatic transaction system>
The present invention, as an example, [3-1. First Embodiment] to [3-3. As described in detail in the third embodiment, the present invention can be implemented in various forms. Moreover, the automatic transaction apparatus (10) by each embodiment is as follows.
A. A writing unit (magnetic stripe processing unit 108) for writing write information with a current value suitable for a predetermined coercive force on a magnetic material (magnetic stripe 46) formed on a medium (passbook 42);
B. A reading unit (magnetic stripe processing unit 108) for reading information written on the magnetic material;
C. A control unit that determines whether the coercive force of the magnetic body is the predetermined coercive force based on a comparison result between the read information read by the reading unit and the write information written by the writing unit ( 100)
Is provided.

  Below, first, the basic composition of the automatic transaction apparatus common to such each embodiment and the automatic transaction system containing an automatic transaction apparatus is demonstrated with reference to FIGS.

  FIG. 1 is an explanatory diagram showing a configuration of an automatic transaction system according to an embodiment of the present invention. As shown in FIG. 1, the automatic transaction system according to the embodiment of the present invention includes a plurality of automatic transaction apparatuses 10, a dedicated network 14, and a financial institution host 18.

  The dedicated network 14 is a network of a financial institution, and is configured by, for example, an IP-VPN (Internet Protocol-Virtual Private Network). The automatic transaction apparatus 10 and the financial institution host 18 are connected via the dedicated network 14.

  The financial institution host 18 controls various transactions by communicating with the automatic transaction apparatus 10 through the dedicated network 14 as a host apparatus of the automatic transaction apparatus 10. For example, the financial institution host 18 executes a financial transaction (account transaction process) such as authentication of a customer who operates the automatic transaction apparatus 10 or payment or transfer instructed by the customer in the automatic transaction apparatus 10. The financial institution host 18 manages customer information (account ledger) such as account number, personal identification number, name, address, age, date of birth, telephone number, occupation, family structure, annual income, and deposit account balance.

  The automatic transaction apparatus 10 is a customer operation type terminal that executes money transactions based on operations by customers of financial institutions. The automatic transaction apparatus 10 is installed in various facilities such as a financial institution sales store, a convenience store, a station premises, a hotel, a hospital, an amusement park, a restaurant, and an office building. Hereinafter, the external configuration of the automatic transaction apparatus 10 will be described with reference to FIG.

  FIG. 2 is an explanatory diagram showing the configuration of the automatic transaction apparatus 10 according to the embodiment of the present invention. As shown in FIG. 2, the automatic transaction apparatus 10 according to the embodiment of the present invention includes a bankbook insertion slot 22, a card insertion slot 26, a coin insertion slot 30, a bill insertion slot 34, an operation display unit 38, including.

  The operation display unit 38 includes a function as a display unit that displays an operation guidance screen by a customer and a customer operation unit that detects a customer operation. The function as the display unit is realized by, for example, a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. Moreover, the function as a customer operation part is implement | achieved by the touch panel, for example. 2 shows an example in which the functions of the display unit and the customer operation unit are integrally formed in the automatic transaction apparatus 10, but the functions of the display unit and the customer operation unit are formed separately. Also good.

  The passbook insertion port 22 inserts and discharges the customer's passbook. The card insertion slot 26 inserts and discharges a customer's card. Moreover, the coin insertion slot 30 has a function as a deposit slot for coins by a customer and a withdrawal slot for coins to the customer. Moreover, the banknote insertion port 34 has a function as a depositing port of the banknote by a customer, and a withdrawal port of the banknote to a customer.

  The bankbook handled by the automatic transaction apparatus 10 described above is usually provided with a magnetic stripe. The automatic transaction apparatus 10 can obtain various information about the customer by reading from the magnetic stripe. Hereinafter, such a passbook will be described in more detail with reference to FIGS.

  FIG. 3 is an explanatory diagram showing the configuration of the low coercive force type bankbook 42a according to the embodiment of the present invention. FIG. 4 is an explanatory diagram showing the configuration of the high coercive force type bankbook 42b according to the embodiment of the present invention. In the following description of the embodiment of the present invention, the low coercive force type passbook 42a and the high coercive force type passbook 42b need not be distinguished from each other. The passbook 42b is simply referred to as the passbook 42. The same applies to the constituent elements of the bankbook 42.

  As shown in FIGS. 3 and 4, the bankbook 42 according to the embodiment of the present invention is a booklet-like medium in which a cover sheet 50, a back cover sheet 54, and a middle sheet 58 including a detailed page on which transaction contents are printed are bound. is there. A magnetic stripe 46 is formed on the back cover 54, and an information code 62 is formed on an intermediate sheet 58 including a turn-back page that is a page with the cover 50 turned over, a detailed page on which transaction details are printed, and the like. . 3 and 4 show an example in which the magnetic stripe 46 is formed on the back cover 54, the magnetic stripe 46 may be formed in other regions such as the cover 50 and the middle paper 58 of the passbook 42. . Similarly, FIGS. 3 and 4 show an example in which the information code 62 is formed on the middle paper 58, but the information code 62 may be formed on other regions such as the cover 50 and the back cover 54 of the passbook 42. Good.

  The magnetic stripe 46 stores account information such as a store number, subject, and account number of a financial institution. For this reason, the automatic transaction apparatus 10 can read account information from the magnetic stripe 46 of the bankbook 42, and can perform the money transaction instruct | indicated by the customer based on the read account information. There are a plurality of types of coercive force of the magnetic stripe 46 of the bankbook 42. Specifically, the magnetic stripe 46 of the bankbook 42 can be of two types: a high coercive force type having a high coercive force and a low coercive force type having a low coercive force. For example, the coercive force of the high coercive force type may be 2750 Oersted (2750 Oe = 218.9 kA / m), and the coercive force of the low coercive force type may be 300 Oersted (300 Oe = 23.9 kA / m). The automatic transaction apparatus 10 writes information with a current value suitable for high coercive force for the high coercive force type bankbook 42b, and low coercivity for the low coercive force type bankbook 42a. Information is written at a current value suitable for the current. Here, if the automatic transaction apparatus 10 writes information with a current value that is not suitable for the coercive force of the magnetic stripe 46, it may cause a magnetic writing failure and cannot correctly write information to the magnetic stripe 46. On the other hand, the magnetic information written in the magnetic stripe 46 can be read under the same conditions regardless of whether it is a low coercive force type or a high coercive force type.

  The information code 62 is, for example, a page mark, and stores passbook information such as the passbook type and the number of pages of the intermediate paper 58 on which the information code 62 is formed. For this reason, the automatic transaction apparatus 10 reads the passbook information from the information code 62 of the passbook 42 and prints the details of the money transaction instructed by the customer based on the read passbook information on the detailed page included in the intermediate paper 58. Can do. 3 and 4, the passbook type of the low coercive force type passbook 42a is shown as the time deposit passbook, and the passbook type of the high coercive force type passbook 42b is shown as the general account passbook. However, the embodiment of the present invention is as described above. It is not limited to such a combination. That is, the passbook type of the low coercive force type passbook 42a may be the general account passbook, and the passbook type of the high coercive force type passbook 42b may be the time deposit passbook. In addition, the passbook type of the low coercive force type passbook 42a or the high coercive force type passbook 42b may be a foreign currency deposit passbook, an ordinary deposit passbook, or the like.

  In addition, when the automatic transaction apparatus 10 prints the transaction details on the detail page of the passbook 42, if there is not enough margin for printing the transaction details on the detail page of the passbook 42, the automatic transaction apparatus 10 carries over the passbook 42. Do. More specifically, the automatic transaction apparatus 10 prints the contents of the transaction that cannot be printed on the existing bankbook 42 on the new bankbook 42 and issues a new bankbook 42 to the customer. At this time, the existing bankbook 42 is returned to the customer. Also, when an error occurs in the process of issuing a new passbook 42, the existing passbook 42 is returned to the customer.

  Another example of a medium that has the same magnetic material as the magnetic stripe 46 and can be newly issued by the automatic transaction apparatus 10 is, for example, a transfer card. The customer can cause the automatic transaction apparatus 10 to issue a transfer card in which transfer information such as a transfer destination account number and a store number is written. Moreover, the automatic transaction apparatus 10 can read transfer information from the magnetic body of the inserted transfer card, and can perform the money transaction instruct | indicated by the customer based on the read transfer information.

  The embodiment of the present invention relates to the automatic transaction apparatus 10 included in the above-described automatic transaction system, and particularly relates to the issue processing of the passbook 42 in the automatic transaction apparatus 10. Therefore, after describing the passbook issuing process in the automatic transaction apparatus according to the comparative example of the present invention, each embodiment of the present invention will be described in detail.

<2. Automatic transaction device according to comparative example>
The issuance process is performed when a new passbook is issued by an operation of a financial institution employee or when a passbook is carried forward by a customer operation. The automatic transaction apparatus according to the comparative example, as a passbook issuance process, pays out unused passbooks, reads magnetic information of magnetic stripes, and makes inquiries to the higher order apparatus through the dedicated network 14 of the read magnetic information. Determines the coercive force. Subsequently, the automatic transaction apparatus according to the comparative example prints the customer name and account number on the cover, turns the cover, prints the customer name and account number on the return page, turns the turn page, and displays the transaction details on the detail page. Perform printing. Finally, the automatic transaction apparatus according to the comparative example writes the store number, subject, account number, transaction content, and other information to the magnetic stripe with a current value suitable for the determined coercive force.

  Here, the automatic transaction apparatus is required to write information with a write current value corresponding to the coercive force of the magnetic stripe. In the issuing process in the automatic transaction apparatus according to the comparative example described above, the coercive force is determined by inquiring the read magnetic information to the host apparatus. However, other methods may be used. For example, the automatic transaction apparatus according to the comparative example may be loaded with only a low coercive force type unused passbook or only a high coercive force type unused passbook. In this case, the financial institution host can determine the coercive force based on information on which type of passbook is the automatic transaction apparatus loaded.

(Organization of issues)
As described above, the automatic transaction apparatus according to the comparative example makes an inquiry to the financial institution host via the dedicated network 14 in order to determine the coercive force. Therefore, there is a problem that even if it is an unused passbook, it is necessary for the financial institution host to have information for determining the coercive force in advance. Further, when making an inquiry, since communication with the financial institution host via the dedicated network 14 for determining the coercive force of the magnetic stripe is required, there is a problem that a corresponding communication load and waiting time of the customer are generated. is there.

  In addition, it is assumed that a financial institution that has handled only a low coercive force passbook changes its business to handle a high coercive force passbook in addition to a low coercive force passbook. In this case, the automatic transaction apparatus according to the comparative example requires the operation of the financial institution host via the dedicated network 14 for determining the coercive force of the magnetic stripe of the bankbook. Therefore, it is necessary to add not only an automatic transaction apparatus but also a financial institution host with a function for determining the coercive force of the magnetic stripe and a flag setting for setting the coercive force.

  Further, it is also assumed that only one of the low coercive force type unused passbook and the high coercive force type unused passbook is loaded into the automatic transaction apparatus according to the comparative example. In this case, an employee of a financial institution needs to be careful to load a predetermined coercive force type passbook in a predetermined automatic transaction apparatus. In addition, the financial institution needs to educate employees to load a predetermined coercive force type passbook into a predetermined automatic transaction apparatus.

  Accordingly, the automatic transaction apparatus 10 according to the present embodiment has been created by focusing on the above circumstances. The automatic transaction apparatus 10 according to the present embodiment can determine the coercive force of the magnetic body without making an inquiry to the host apparatus with a simpler configuration. Hereinafter, each embodiment of the present invention will be described in detail.

<3. Detailed description of each embodiment>
[3-1. First Embodiment]
Hereinafter, a first embodiment of the present invention will be described with reference to FIGS. First, with reference to FIGS. 5-6, the structure of the automatic transaction apparatus 10 by 1st Embodiment is demonstrated.

(Constitution)
FIG. 5 is a functional block diagram showing the configuration of the automatic transaction apparatus 10 according to the first embodiment. Moreover, FIG. 6 is explanatory drawing which showed schematically the internal structure of the automatic transaction apparatus 10 by 1st Embodiment. As shown in FIGS. 5 and 6, the automatic transaction apparatus 10 according to the first embodiment of the present invention includes a medium feeding unit 104, a magnetic stripe processing unit 108, a medium transporting unit 112, and an optical reading unit 116. And a printing unit 124 and a page turning unit 128. As shown in FIG. 5, the automatic transaction apparatus 10 includes a control unit 100, a loading unit 102 including a medium feeding unit 104, a communication unit 120, and a medium taking-in unit 132. Here, the medium take-in unit 132 includes the storage unit 136 and the take-in roller 140 in FIG. 6. As shown in FIG. 6, the automatic transaction apparatus 10 includes a passbook insertion port 22, a transport path 144, a temporary holding unit 156, a passbook transaction unit 160, and a passbook loading unit 164. Here, the passbook loading unit 164 may include at least one loading unit 102 into which the passbook cassette 148 including the passbook bundle 152 is loaded, and one or more passbook cassettes 148 may be loaded.

  The passbook transaction unit 160 has a function as an issue processing unit that records information such as an account number and an account type as issue information in the passbook 42 and a function as a transaction processing unit that records transaction contents in the passbook 42. The magnetic stripe processing unit 108 has a function as a reading unit that reads magnetic information written in the magnetic stripe 46 formed in the bankbook 42. Further, the magnetic stripe processing unit 108 has a function as a writing unit that writes write information to the magnetic stripe 46 formed in the passbook 42 with a current value suitable for a predetermined coercive force. The control unit 100 controls transaction processing and issue processing of the passbook 42 in the automatic transaction apparatus 10. Then, the control unit 100 according to the embodiment of the present invention determines the resistance of the magnetic stripe 46 based on the comparison result between the read information obtained by reading the information written on the magnetic stripe 46 and the write information written on the magnetic stripe 46. It is determined whether the magnetic force is a predetermined coercive force.

  The optical reading unit 116 detects the passbook type and which page is currently open by reading the information code 62 formed on the inner paper 58. The communication unit 120 is connected to a LAN (Local Area Network), a telephone line, or the like, and communicates with the financial institution host 18 via the dedicated network 14 shown in FIG. The printing unit 124 prints the transaction content on the detail page of the passbook 42 or prints the customer name, account number, etc. on the cover 50 and the return page of the passbook 42. The page turning unit 128 turns pages so that a predetermined page is opened with respect to the cover 50 of the bankbook 42 and other detailed pages.

  The conveyance path 144 is a path of the bankbook 42 in the automatic transaction apparatus 10. The medium transport unit 112 includes transport rollers 112 a to 112 l and has a function as a transport unit that transports the bankbook 42 along the transport path 144. The medium take-in unit 132 takes in the passbook 42 that the customer forgot to take or the passbook 42 whose issue has been interrupted. At this time, the take-in roller 140 conveys such a bankbook 42 to the storage unit 136 and the storage unit 136 stores it. The temporary holding unit 156 temporarily holds the existing bankbook 42 inserted by the customer when issuing the bankbook 42.

  The passbook loading unit 164 is loaded with an unused passbook 42 used when issuing a passbook. The bankbook cassette 148 includes a bankbook bundle 152 and is loaded into one of the loading sections 102 included in the bankbook loading section 164. At least one loading unit 102 is included in the bankbook loading unit 164, and one bankbook cassette 148 is attached and detached. The bankbook bundle 152 is a bundle of unused bankbooks 42 used when issuing a bankbook. In the bankbook bundle 152, it is assumed that different coercive force type bankbooks 42 are not mixed. Here, the passbook loading unit 164 may include loading units 102 a to 102 d as the loading unit 102. The passbook loading unit 164 may be loaded with a plurality of passbook bundles 152a to 152d and passbook cassettes 148a to 148d as a passbook cassette 148 and a passbook bundle 152. The medium feeding unit 104 includes feeding rollers 104a to 104d, and feeds the unused passbook 42 from the loading unit 102 to the transport path 144 when issuing the passbook.

(Operation)
The configuration of the automatic transaction apparatus 10 according to the first embodiment has been described above. Subsequently, an operation of issuing the bankbook 42 by the automatic transaction apparatus 10 according to the first embodiment will be described with reference to FIGS.

  FIG. 7 is an explanatory diagram showing the issuing process of the automatic transaction apparatus 10 according to the first embodiment.

  First, in step S <b> 10, when there is a passbook issuance instruction, the medium feeding unit 104 feeds an unused passbook 42 from the loading unit 102. More specifically, when receiving an instruction from the financial institution host 18 to issue a new bankbook 42, the automatic transaction apparatus 10 starts issuing the bankbook 42. The bankbook issuance instruction is transmitted from the financial institution host 18 to the communication unit 120 through the dedicated network 14 when the bankbook 42 is newly issued by an operation of a financial institution employee or when the bankbook 42 is carried over by a customer operation, for example. The When issuance of the bankbook 42 is started, if there is a bankbook bundle 152 in the bankbook cassette 148 loaded in the loading section 102, the medium feeding section 104 causes one bankbook of the bankbook bundle 152. 42 is paid out. Subsequently, the medium conveyance unit 112 conveys the drawn passbook 42 to the printing unit 124.

  Next, in step S <b> 20, the printing unit 124 prints information such as a customer name and an account number on the cover 50 of the bankbook 42. Subsequently, the medium conveyance unit 112 conveys the passbook 42 to the page turning unit 128, the page turning unit 128 turns the cover 50 of the passbook 42 and opens a turning page, and the medium conveyance unit 112 transfers the passbook 42 to the optical reading unit 116. Transport. In step S30, the optical reading unit 116 reads the passbook type of the passbook 42 from the information code 62 formed on the facing page. Next, in step S40, the control unit 100 determines whether the passbook type of the passbook 42 read by the optical reading unit 116 matches the passbook type specified in the passbook issue instruction transmitted from the financial institution host 18. Determine whether or not. The issuance process proceeds to step S50 if these passbook types match, and to step S99 if they do not match. For example, if the passbook type specified in the passbook issuance instruction is a general account passbook and the passbook 42b, which is a general account passbook, is paid out, the issuing process proceeds to step S50. On the other hand, if the passbook type specified in the passbook issuance instruction is a general account passbook and the passbook 42a, which is a time deposit passbook, has been paid out, the issuing process proceeds to step S99.

  If the passbook type of the passbook 42 does not match the passbook type specified in the passbook issuing instruction in step S40, the automatic transaction apparatus 10 performs a reject process in step S99. More specifically, the take-in roller 140 transports the passbook 42 to the storage unit 136, and the storage unit 136 stores the passbook 42 determined not to be the passbook type specified in the passbook issuing instruction. Then, the control unit 100 interrupts the issue of the bankbook 42. At this time, the automatic transaction apparatus 10 may output an alarm so as not to accept all subsequent transactions when the issuance of the new bankbook 42 is interrupted.

  On the other hand, if the passbook type of the passbook 42 matches the passbook type specified in the passbook issuance instruction in step S40, the printing unit 124 displays the customer name, account number, etc. on the return page of the passbook 42 in step S50. Print information. Subsequently, the medium transport unit 112 transports the passbook 42 to the page turning unit 128, the page turning unit 128 turns the page of the passbook 42 and opens the detailed page, and the transport unit 112 transports the passbook 42 to the printing unit 124. In step S <b> 60, the printing unit 124 prints information indicating transaction details on the detail page of the bankbook 42. In step S70, the issuing process proceeds to the magnetic writing process A shown in FIG. 8, and then ends. Hereinafter, the magnetic writing process A will be described in detail with reference to FIG.

  FIG. 8 is an explanatory diagram showing the operation of the magnetic writing process in the issuing process of the automatic transaction apparatus 10 according to the first embodiment.

  First, when the magnetic writing process A is started, the medium transport unit 112 transports the bankbook 42 to the magnetic stripe processing unit 108. In step S <b> 100, the magnetic stripe processing unit 108 writes the store number, subject, account number, transaction content, and other information as write information to the magnetic stripe 46, which is the lowest among the coercive forces of the plurality of types of magnetic stripe 46. The current value is suitable for low coercive force, which is coercive force. Subsequently, in step S <b> 104, the magnetic stripe processing unit 108 reads information stored in the magnetic stripe 46. Thereafter, in step S108, the control unit 100 determines whether the reading result by the magnetic stripe processing unit 108 is normal, that is, whether the coercive force of the magnetic stripe 46 is a low coercive force.

  Here, the determination process by the control unit 100 in step S108 will be described in detail. The control unit 100 compares the writing information written by the magnetic stripe processing unit 108 in step S100 with the reading information read by the magnetic stripe processing unit 108 in step S104, thereby determining whether the reading result is normal. Determine. That is, the control unit 100 determines that the read result is normal when the read information and the write information match, and determines that the read result is not normal when they do not match. In addition, it is determined that the read result is normal when the information in the range written by the magnetic stripe processing unit 108 in the read information matches the write information, and the read result is normal when they do not match It may be determined that it is not.

  For example, assume that the writing information is a store number and a subject. At this time, if the store number and subject in the read information match the store number and subject in the written information, the control unit 100 may determine that the read result is normal. Here, even if the account number that is not included in the write information is included in the read information as the initial data of the magnetic stripe 46 formed in the unused passbook 42, the store number and the subject are included in the write information. If the reading information matches, the control unit 100 may determine that the reading result is normal. On the other hand, when the store number and the subject do not match between the written information and the read information, or when the read information does not include the store number or the subject, the control unit 100 may determine that the read result is not normal. .

  Here, when writing is performed with a current value suitable for the coercive force of the magnetic stripe 46, the magnetic stripe processing unit 108 can write information to the magnetic stripe 46 without causing a magnetic writing failure. Accordingly, when the reading result of the magnetic stripe 46 by the magnetic stripe processing unit 108 is normal, the control unit 100 determines that the passbook 42 in which the magnetic stripe processing unit 108 has written the write information is a low coercive force type in step S100. It determines with it being the bankbook 42a. On the other hand, if the reading result of the magnetic stripe 46 is not normal, the control unit 100 determines that the passbook 42 in which the magnetic stripe processing unit 108 wrote the write information in step S100 is not a low coercive force type passbook 42a. judge.

  In this way, the control unit 100 determines whether the reading result is normal, that is, whether the coercive force of the magnetic stripe 46 is a low coercive force. That is, in step S108, the control unit 100 determines that the bankbook 42 determined to have a normal reading result of the magnetic stripe 46 is a low coercive force type bankbook 42a. On the other hand, in step S <b> 108, the control unit 100 may determine that the bankbook 42 that has been determined that the reading result is not normal is a high coercive force type bankbook 42 b. This is because the magnetic stripe processing unit 108 causes a magnetic writing failure when writing to the magnetic stripe 46 having a high coercive force at a current value suitable for a low coercive force.

  In addition, as the passbook 42 determined that the reading result is not normal, for example, there is a passbook 42 in which read information cannot be obtained because the magnetic stripe 46 is damaged. In addition, when an employee of a financial institution loads a bankbook bundle 152 upside down, the bankbook 42 is fed upside down, and the magnetic stripe processing unit 108 may not be able to detect the magnetic stripe 46.

  If the control unit 100 determines in step S108 that the reading result of the magnetic stripe 46 is normal, the automatic transaction apparatus 10 issues the bankbook 42 in step S112. More specifically, the automatic transaction apparatus 10 issues a low coercive force type bankbook 42 a to the customer by the medium transporting section 112 transporting the bankbook 42 to the bankbook insertion slot 22 and subsequently discharging it. Thereby, the magnetic writing process A is completed.

  On the other hand, when the control unit 100 determines in step S108 that the reading result of the magnetic stripe 46 is not normal, the control unit 100 controls the writing process again. At that time, the control unit 100 performs control so that the writing process is performed again with a current value suitable for the high coercive force as a coercive force different from the low coercive force among the coercive forces of the plurality of types of magnetic stripes 46. . Then, the control unit 100 controls the reading process and the determination process described above to be performed in the same manner as the writing process is performed again.

  That is, in step S116, the magnetic stripe processing unit 108 writes write information to the magnetic stripe 46 with a current value suitable for high coercive force. Subsequently, in step S <b> 120, the magnetic stripe processing unit 108 reads information stored in the magnetic stripe 46. Thereafter, in step S124, the control unit 100 determines whether the reading result by the magnetic stripe processing unit 108 is normal, that is, whether the coercive force of the magnetic stripe 46 is a high coercive force.

  Here, the determination process by the control unit 100 in step S124 will be described in detail. The control unit 100 compares the writing information written by the magnetic stripe processing unit 108 in step S116 with the reading information read by the magnetic stripe processing unit 108 in step S120, thereby determining whether the reading result is normal. Determine. That is, the control unit 100 determines that the read result is normal when the read information and the write information match, and determines that the read result is not normal when they do not match.

  As described above, when the reading result of the magnetic stripe 46 by the magnetic stripe processing unit 108 is normal, the control unit 100 determines that the passbook 42 in which the magnetic stripe processing unit 108 has written the write information in step S116. It is determined that the bankbook 42b is a high coercive force type. On the other hand, if the reading result of the magnetic stripe 46 is not normal, the control unit 100 determines that the passbook 42 in which the magnetic stripe processing unit 108 wrote the write information in step S116 is not a high coercive force type passbook 42b. judge. In this manner, the control unit 100 determines whether the reading result is normal, that is, whether the coercive force of the magnetic stripe 46 is a high coercive force.

  If the control unit 100 determines in step S124 that the reading result of the magnetic stripe 46 is normal, the automatic transaction apparatus 10 issues a high coercive force type bankbook 42b in step S112. On the other hand, when the control unit 100 determines that the reading result of the magnetic stripe 46 is not normal, in step S199, the automatic transaction apparatus 10 performs a rejection process similar to that in step S99. That is, when the control unit 100 determines that the coercive force of the magnetic stripe 46 is not the coercive force of the magnetic stripe 46 that can be handled by the automatic transaction apparatus 10 with respect to all of the coercive forces of the magnetic stripes 46 having a plurality of types, If it is determined that the coercive force is neither a coercive force nor a high coercive force, the automatic transaction apparatus 10 performs a reject process.

  At this time, as the passbook 42 to be rejected, for example, a passbook in which the coercive force of the magnetic stripe 46 is neither low coercive force nor high coercive force, or the magnetic stripe 46 is damaged. There is a passbook 42 that cannot be obtained. In addition, when an employee of a financial institution loads a bankbook bundle 152 upside down, the bankbook 42 is fed upside down, and the magnetic stripe processing unit 108 may not be able to detect the magnetic stripe 46.

(effect)
As described above, according to the first embodiment, the coercive force of the magnetic stripe 46 can be determined without making an inquiry to the financial institution host 18 via the dedicated network 14. Accordingly, when a financial institution that has conventionally handled only the low coercive force type bankbook 42a changes its business to handle the high coercive force bankbook 42b in addition to the low coercive force type bankbook 42a, the financial institution host 18 is magnetically operated. There is no need to add a function for determining the coercive force of the stripe 46 or a flag setting for setting the coercive force. In addition, since it is not necessary to store information for determining the coercive force in the bankbook 42, the financial institution changes any change to the bankbook 42 a of the low coercive force type that has been handled in the past when changing such a business. There is no need to add.

  Further, since the determination of the coercive force is performed by writing and reading the magnetic information of the magnetic stripe 46, which has been performed in the issuance process of the comparative example, no new processing load is generated. However, the automatic transaction apparatus 10 is additionally provided with only a comparison function between the read information and the write information by the control unit 100. Therefore, the automatic transaction apparatus 10 has a simple configuration as compared with the automatic transaction apparatus that writes the magnetic data with the detection current value and reads the reaction output voltage value as the reaction to determine the coercive force of the magnetic substance. It can be said. In addition, since communication with the financial institution host 18 via the dedicated network 14 is not required, a new communication load and customer waiting time do not occur.

  The automatic transaction apparatus 10 according to the first embodiment is suitable for both cases where the low coercive force type bankbook 42a is loaded and when the high coercive force type bankbook 42b is loaded. Write information can be written and issued according to the current value. Accordingly, an employee of a financial institution may load either coercive force type bankbook 42 into the automatic transaction apparatus 10, so be careful to load a predetermined coercive force type bankbook 42 into a predetermined automatic transaction apparatus. There is no need. Further, the financial institution does not need to educate employees to load a predetermined coercive force type bankbook 42 in a predetermined automatic transaction apparatus.

[3-2. Second Embodiment]
In the second embodiment, the bankbook 42 is issued based on the coercive force information stored for each loading unit 102.

(Constitution)
Below, with reference to FIG. 9, the structure of the automatic transaction apparatus 10 by 2nd Embodiment is demonstrated. In “3-1. First Embodiment”, the description of the same components as those described with reference to FIGS. 5 and 6 is omitted.

  FIG. 9 is a functional block diagram showing the configuration of the automatic transaction apparatus 10 according to the second embodiment. As shown in FIG. 9, the control unit 100 in the automatic transaction apparatus 10 according to the second embodiment of the present invention includes a storage unit 101. In the loading unit 102, the coercive force of the magnetic stripe 46 formed in the bankbook 42 loaded in the loading unit 102 is set as coercive force information, that is, cassette identification information. More specifically, the storage unit 101 has coercive force information indicating the coercive force of the magnetic stripe 46 formed on the bankbook 42 that forms the bankbook bundle 152 included in the bankbook cassette 148 loaded in the loading unit 102. Is stored for each loading unit 102 as cassette identification information.

(Operation)
The operation of the automatic transaction apparatus 10 according to the second embodiment is the same as the operation described with reference to FIG. 7 in “3-1. First Embodiment”. However, the issue process in step S70 proceeds to the magnetic write process B shown in FIG. 10 instead of the magnetic write process A shown in FIG. Hereinafter, the magnetic writing process B will be described in detail with reference to FIG.

  FIG. 10 is an explanatory diagram showing the operation of the magnetic writing process in the issuing process of the automatic transaction apparatus 10 according to the second embodiment.

  First, when the magnetic writing process B is started, in step S200, the control unit 100 determines whether or not the cassette identification information of the loading unit 102 in which the passbook 42 is loaded is stored in the storage unit 101. .

  When the storage unit 101 stores the cassette identification information in step S200, the magnetic stripe processing unit 108 writes the write information to the magnetic stripe 46, and the current value is suitable for the coercive force indicated by the cassette identification information. To do. That is, in step S204, it is determined whether or not the coercive force indicated by the cassette identification information is a high coercive force. If the coercive force is high, the magnetic stripe processing unit 108 writes the write information to the magnetic stripe 46 in step S208. At a current value suitable for high coercive force. On the other hand, if the coercive force indicated by the cassette identification information is a low coercive force, the magnetic stripe processing unit 108 writes the write information to the magnetic stripe 46 at a current value suitable for the low coercive force in step S212. Subsequently, in step S <b> 214, the magnetic stripe processing unit 108 reads information stored in the magnetic stripe 46. Thereafter, in step S216, the control unit 100 determines whether the reading result by the magnetic stripe processing unit 108 is normal, that is, whether the coercive force of the magnetic stripe 46 is the coercive force indicated by the cassette identification information. To do.

  If the control unit 100 determines in step S216 that the reading result of the magnetic stripe 46 is normal, the automatic transaction apparatus 10 issues the bankbook 42 in step S220. The passbook 42 issued at this time is a low coercive force type passbook 42a if the coercive force indicated by the cassette identification information is a low coercive force, and a high coercive force type if the coercive force indicated by the cassette identification information is a high coercive force. It is a bankbook 42b. On the other hand, when the control unit 100 determines that the reading result of the magnetic stripe 46 is not normal, in step S299, the automatic transaction apparatus 10 performs a rejection process similar to that in step S199.

  Examples of the passbook 42 to be rejected at this time include a passbook 42 in which read information cannot be obtained because the magnetic stripe 46 is damaged. In addition, when the passbook 42 is included in the bankbook bundle 152, the magnetic stripe processing unit 108 may not be able to detect the magnetic stripe 46 of the passbook 42 fed upside down.

  In step S200, if the storage unit 101 does not store the cassette identification information, in step S224, the issuing process proceeds to the magnetic writing process A described above with reference to FIG. . In step S228, the storage unit 101 stores the coercive force information indicating the coercive force determined in the magnetic writing process A in step S224 as the cassette identification information of the loading unit 102 in which the issued bankbook 42 was loaded. In the magnetic writing process A in step S224, if the issuing process proceeds to step S199 and the automatic transaction apparatus 10 performs the reject process, the storage unit 101 does not store the cassette identification information in step S228.

  That is, in step S10, when the medium payout unit 104 issues the passbook 42 from the passbook cassette 148 that has never been normally issued, the issuing process proceeds to steps S224 and S228, and the storage unit 101 Stores cassette identification information. On the other hand, in step S10, when the medium payout unit 104 pays out the passbook 42 from the passbook cassette 148 that has been normally issued even once, it is based on the cassette identification information stored in the storage unit 101. A passbook 42 is issued.

(effect)
As described above, according to the second embodiment, when the passbook 42 included in the passbook cassette 148 is normally issued, the magnetic stripe 46 formed in the passbook 42 included in the passbook cassette 148 is displayed. Cassette identification information indicating a coercive force is stored in the storage unit 101. For the passbook 42 included in the passbook cassette 148 for which the passbook 42 has been normally issued even once, the magnetic stripe processing unit 108 writes the write information to the magnetic stripe 46 in the storage unit 101. The current value is suitable for the coercive force indicated by the stored cassette identification information. As described above, when the bankbook 42 is normally issued even once and the cassette identification information is stored in the storage unit 101, the control unit 100 does not need to determine the coercive force of the magnetic stripe 46. Therefore, the automatic transaction apparatus 10 according to the second embodiment can increase the issuance processing speed as compared with the case where the coercive force of the magnetic stripe 46 formed in the passbook 42 used for issuance is determined for each issuance. it can.

  In addition, according to the second embodiment, it is possible to obtain the same effects as those described in the first embodiment. In addition, in the issuing process, for the magnetic writing process in step S224, other magnetic writing processes including the determination of the coercive force and the writing information writing process other than the magnetic writing process A can be used.

[3-3. Third Embodiment]
In the second embodiment, the bankbook 42 is issued based on the coercive force information set for each loading unit 102.

(Constitution)
Below, with reference to FIG. 11, the structure of the automatic transaction apparatus 10 by 3rd Embodiment is demonstrated. In “3-1. First Embodiment”, the description of the same components as those described with reference to FIGS. 5 and 6 is omitted.

  FIG. 11 is a functional block diagram showing the configuration of the automatic transaction apparatus 10 according to the third embodiment. As shown in FIG. 11, the loading unit 102 in the automatic transaction apparatus 10 according to the third embodiment of the present invention includes an operation unit 106. In the loading unit 102, the coercive force of the magnetic stripe 46 formed in the bankbook 42 loaded in the loading unit 102 is set as coercive force information, that is, cassette identification information. More specifically, the operation unit 106 accepts a cassette identification information setting operation by an employee of a financial institution, and sets cassette identification information for each loading unit 102. The operation unit 106 may be configured by a physical switch such as a switch or a knob.

(Advance preparation)
In the automatic transaction apparatus 10 according to the third embodiment, as an advance preparation, cassette identification information is set by the operation unit 106 when a bankbook 148 including an unused bankbook 42 is loaded by a bank employee.

(Operation)
The operation of the automatic transaction apparatus 10 according to the third embodiment is the same as the operation described with reference to FIG. 7 in “3-2. Second embodiment”. However, the issuing process in step S70 proceeds to the magnetic writing process C shown in FIG. 12 instead of the magnetic writing process B shown in FIG. Hereinafter, the magnetic writing process C will be described in detail with reference to FIG.

  FIG. 12 is an explanatory diagram showing the operation of the magnetic writing process in the issuing process of the automatic transaction apparatus 10 according to the third embodiment.

  First, when the magnetic writing process C is started, in step S304, the control unit 100 determines that the coercive force indicated by the cassette identification information set in the operation unit 106 included in the loading unit 102 in which the bankbook 42 has been loaded, It is determined whether or not the coercive force is high. The operation after step S304 is performed when the storage unit 101 has already stored the cassette identification information in the magnetic writing process B described with reference to FIG. 10 in “3-2. Second Embodiment”. The operation after step S204 is the same.

  That is, if the coercive force indicated by the cassette identification information is a high coercive force in step S304, in step S308, the magnetic stripe processing unit 108 is suitable for writing the write information to the magnetic stripe 46 to the high coercive force. Perform with current value. On the other hand, if the coercive force indicated by the cassette identification information is a low coercive force, the magnetic stripe processing unit 108 writes the write information to the magnetic stripe 46 at a current value suitable for the low coercive force in step S312. In step S314, the magnetic stripe processing unit 108 reads information stored in the magnetic stripe 46. Thereafter, in step S316, the control unit 100 determines whether the reading result by the magnetic stripe processing unit 108 is normal, that is, whether the coercive force of the magnetic stripe 46 is the coercive force indicated by the cassette identification information. To do.

  If the control unit 100 determines in step S316 that the reading result of the magnetic stripe 46 is normal, the automatic transaction apparatus 10 issues the bankbook 42 in step S320. On the other hand, when the control unit 100 determines that the reading result of the magnetic stripe 46 is not normal, in step S399, the automatic transaction apparatus 10 performs a rejection process similar to that in step S299.

  Examples of the passbook 42 to be rejected at this time include a passbook 42 in which read information cannot be obtained because the magnetic stripe 46 is damaged. In addition, when the passbook 42 is included in the bankbook bundle 152, the magnetic stripe processing unit 108 may not be able to detect the magnetic stripe 46 of the passbook 42 fed upside down. In addition, there is a setting error when the coercive force indicated by the cassette identification information set by the operation unit 106 is different from the coercive force type of the passbook 42 included in the passbook cassette 148.

(effect)
As described above, according to the third embodiment, the bankbook 42 can be issued based on the cassette identification information set by the bank employee using the operation unit 106. In addition, according to the second embodiment, it is possible to obtain the same effects as those described in the first embodiment. However, the automatic transaction apparatus 10 according to the third embodiment determines the coercive force of the magnetic stripe 46 formed in the passbook 42 in the automatic transaction apparatus 10 according to the second embodiment and stores the cassette identification information by the storage unit 101. Not performed. Therefore, the automatic transaction apparatus 10 according to the third embodiment can increase the issue processing speed as compared with the automatic transaction apparatus 10 according to the second embodiment.

<4. Conclusion>
The preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, but the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

  For example, in the first to third embodiments, the coercive force candidates of the magnetic stripe formed in the passbook are two types of high coercive force and low coercive force. However, the present invention is not limited to this example. For example, there may be three or more types of coercive force candidates.

  Moreover, in the said 1st Embodiment-3rd Embodiment, although the automatic transaction apparatus was demonstrated as an example as a medium processing apparatus, this invention is not limited to this example. For example, a passbook issuing device, a passbook certificate issuing device, a passbook entry carryover device, a window device, a passbook carryover device, and other devices that handle a passbook may be used for the medium processing device of the present invention.

  In the first embodiment, the writing information is first written with a current value suitable for the low coercive force, and when the reading result is not normal, the control unit rewrites the writing information with the current value suitable for the high coercive force. Although described as controlling, the present invention is not limited to such an example. For example, the control unit may perform control so that the rewriting process is performed with a current value suitable for the low coercive force. According to this example, when a magnetic writing failure occurs even though a low coercive force type passbook is written with a current value suitable for a low coercive force, a current value suitable for a low coercive force is obtained again. A normal reading result may be obtained by writing. Therefore, in such a case, it is possible to prevent the control unit from erroneously determining that the low coercive force type passbook is the high coercive force type passbook.

  In the second embodiment, the storage unit stores the cassette identification information when the storage unit does not store the cassette identification information and the passbook is normally issued. It is not limited to such an example. For example, regardless of whether or not the storage unit stores cassette identification information, the storage unit may store the cassette identification information when the bankbook is issued normally.

DESCRIPTION OF SYMBOLS 10 Automatic transaction apparatus 14 Dedicated network 18 Financial institution host 22 Passbook insertion slot 26 Card insertion slot 30 Coin insertion slot 34 Bill insertion slot 38 Operation display part 42 Passbook 42a Low coercive force type passbook 42b High coercive force type passbook 46 Magnetic stripe 50 Front cover 54 Back cover 58 Medium paper 62 Information code 100 Control unit 101 Storage unit 102 Loading unit 104 Medium feeding unit 106 Operation unit 108 Magnetic stripe processing unit 112 Medium transport unit 116 Optical reading unit 120 Communication unit 124 Printing unit 128 Page turning Unit 132 medium take-in unit 136 storage unit 140 take-in roller 144 transport path 148 passbook cassette 152 passbook bundle 156 temporary hold unit 160 passbook transaction unit 164 passbook loading unit

Claims (1)

A writing unit for writing write information to a magnetic material formed on the medium;
At least one loading unit in which the medium is loaded and the coercive force of the magnetic material of the medium loaded is set as coercive force information;
A control unit for controlling the writing unit to write the writing information at a current value suitable for the coercive force indicated by the coercive force information with respect to the magnetic material of the medium loaded in the loading unit;
A medium processing apparatus comprising:

Images