JPH01319891A - Automatic transaction machine - Google Patents

Abstract

PURPOSE:To reduce the number of the times of maintenance work for repair and to improve serviceability for a user by giving a fixed margin until a state to stop the handling of the title device can be obtained. CONSTITUTION:When a transaction medium, on which information relevant to a payment is recorded, is taken in the device, a read state discriminating means 92 discriminates the normality or the abnormality of the transaction medium and the information relevant to the payment and sends the information to an abnormal frequency storing part 93 when the means 92 discriminates that either the transaction medium or the information relevant to the payment is abnormal. A control means 81 continues the operating state of this device until the value of the number of the times of an abnormal transaction to be stored in the abnormal frequency storing part 93 reaches a previously set prescribed value and makes this device into an abnormal stopping state when the value of the number of the times of the abnormal transaction reaches the prescribed value under a continuous state. Thus, since the fixed margin is given to the device until the device reaches the abnormal stopping state, the number of the times of processing work for the repair can be reduced, and the serviceability for the user can be improved.

Description

DETAILED DESCRIPTION OF THE INVENTION [Object of the Invention 1 (Field of Industrial Application) The present invention relates to an automatic transaction device that is installed in a financial institution such as a bank and automatically performs payment transactions such as public interest payments.

(Prior art) In recent years, by accepting a magnetic card or magnetic passbook containing account information submitted by the user and communicating online with a host computer that serves as a deposit ledger, cash requested by the user can be automatically disbursed. Automatic teller machines that automatically accept cash using a magnetic passbook that stores account information, or automatic cash deposit machines that combine both of these functions into one machine. Automated transaction devices such as cash machines are rapidly developing as automation equipment for bank counters, and are being introduced at each bank to provide speedy services to users.

In addition, in recent years, as economic activities have become more diverse, there has been an increase in credit transactions, such as loan repayments or tuition fees included, using banks and other financial institutions. A device that accepts cash and performs transfer transactions such as transferring the accepted cash to another bank account or transferring a predetermined amount from one's own account to another bank account by card transaction was developed and put into practical use. has been done.

However, with this type of automated teller machine, payments such as taxes or utility charges must be made by bringing a payment slip issued by the billing party in advance, and receiving a receipt stamp on one piece of the payment slip as proof of payment (financial institution). From a side perspective, it had the disadvantage that it could not be used for storage operations.

Recently, as a solution to these shortcomings, an automatic transaction device that can automatically perform payment transactions such as utility charges has been proposed (Japanese Patent Application No. 130664/1986).
(see issue). This automatic transaction device accepts a payment slip in which information related to the payment is recorded, optically reads the information related to the payment from the received payment slip, executes the payment transaction based on the read information, and executes the payment transaction. At the end of the process, a receipt stamp is stamped on the accepted payment slip, a piece of the receipt side is roughly cut off, and the payment slip is discharged.

However, if an abnormality occurs in the reading/recognition means of this automatic transaction device even once, the transaction will be suspended, or if the abnormality remains, the recording medium will become unreadable after the next transaction.

In particular, when an abnormality occurs in the reading recognition means, there are many possible causes, such as whether the abnormality is caused by the recording medium, the reading conveyance means or sensor, the dictionary or the reading control means, etc. The means of recovery will change accordingly. If the cause is in the recording medium, it will be possible to read and recognize another recording medium in the next transaction, and if specific data cannot be read and recognized, it will be possible to read and recognize another recording medium in the same way in the next transaction. .

However, for example, if a reading error occurs even once, the device will be discontinued, eliminating the possibility that the reading will be recognized in the next transaction, and if a device ignores reading errors, no matter how many transactions are made, It is difficult to read the recording medium, and as a result, there is a problem in that the restoration and maintenance work of this device becomes complicated and the service to the user decreases.

(Problems to be Solved by the Invention) The present invention has been made in view of the above circumstances, and by providing a certain margin before the suspension of handling, the number of restoration and maintenance work can be reduced, and The purpose of this invention is to provide an automatic transaction device that can improve serviceability for customers.

[Structure of the Invention] (Means for Solving the Problems) The present invention takes in a transaction medium in which payment-related information related to an amount payment is recorded, reads the payment-related information from this transaction medium, and makes a payment based on the reading result. In an automatic transaction device that executes transaction processing, there is a reading state determining means for determining whether the transaction medium and payment-related information taken into the device is normal or abnormal, and a transaction that is determined to be abnormal as a result of the determination by the reading state determining means. an abnormal number of transactions storage unit that stores the number of transactions; and the device continues to operate until the number of abnormal transactions stored in the abnormal number of transactions storage unit reaches a predetermined value, and the number of abnormal transactions continues to exceed the number of abnormal transactions. and control means for controlling the device to an abnormal stop state when a predetermined value is reached.

(for production) The operation of the apparatus having the above configuration will be explained below.

When a transaction medium on which payment-related information related to an amount payment is recorded is loaded into this device, the reading status determination means of this device determines whether the transaction medium is normal or abnormal and the payment-related information recorded on the transaction medium. It determines whether it is normal or abnormal, and when j+1 is distinguished from an abnormality in the transaction medium or an abnormality in the payment-related information, this information is sent to the abnormality number storage section.

The abnormality count record section cumulatively records information indicating an abnormality from the reading state determining means as information on the number of abnormal transactions.

The control means of this device continues the operating state of this device until the value of the number of abnormal transactions stored in the abnormal number storage unit reaches a predetermined value set in advance, and the control means of the device continues the operation state of the device until the value of the number of abnormal transactions stored in the abnormal number storage unit reaches a predetermined value. When the condition reaches a predetermined value, the device is brought into an abnormal state.

(Example) Hereinafter, an example of the present invention will be described with reference to the drawings.

FIG. 2 shows an automatic transaction device according to the present invention.

That is, a customer service operation section 2 is formed on the front surface of the housing 1. On the vertical surface 3 of the customer service operation unit 2, there is a transaction medium insertion slot 4 into which a magnetic card, magnetic passbook, payment slip, etc., in which account information such as a PIN number and account number is stored, is inserted, and is currently being handled by the user. Transaction indicator 5 for displaying the amount of deposits that can be handled.

A transaction display 6 for displaying and guiding each transaction such as payment and payment, and a call button 7 for the user to call a staff member.
, a coin input slot 8 for the user to deposit coins, and a change discharge slot 9 for discharging change coins to the user.

A horizontal surface 10 of the customer service operation section 2 is provided with a deposit slot 11 for inserting a large number of banknotes and receiving change for the bills. It is being

A slope 1 is provided between the vertical surface 3 and the horizontal surface 10 of the customer service operation section 2.
3 is formed, and on this slope 13 is provided a CRI-display device 14 in which a transparent touch panel (touch sensor) is disposed on the display screen. This display device 14 shows the operating procedure.

The information of the immortal is displayed on the screen with illustrations, text, or words to guide the user, and depending on the display, the user presses the display area corresponding to the PIN number, amount 7 locus number, approval, confirmation, or cancellation of the transaction, etc. By doing so, the touch panel detects this and outputs a corresponding signal to a control means 81, which will be described later, which is a so-called key operation.

In other words, as shown in Figure 3, for example, the message ``Please specify the transaction'' is displayed, along with a key that instructs ``one payment slip, multiple payment slips, and reissue slip''. ing. The contents and display change each time the machine's operation or step status changes.

FIG. 7 shows, for example, a telephone bill payment slip P as a recording medium according to this embodiment. The payment slip P has the interest period covered, payment deadline, user's name, user's telephone number, billed amount 2 issuer code number 2 preliminary telephone number, etc. printed thereon. In addition, the payment slip P can be divided into, for example, three pieces, and the receipt P to the user (payer) can be divided into three pieces.
i. Notice to issuer 8P2 and copy P during the period of receiving financing.
It consists of 3. Note that the payment slip P may be formed in various ways depending on the issuer, but it generally has the same structure as described above. Further, the payment slip P is inserted in the direction of the arrow shown in the figure, and its width in the insertion direction is approximately the same dimension as the width of the passbook.

4 and 5 show a transaction medium processing device 20 provided in the housing 1, which is a magnetic card inserted into the transaction medium insertion slot 4 shown in FIG.

It accepts passbooks and payment slips P and performs prescribed processing on them, and must print out registers 1 to (receipts) R for printing and issuing transaction records, as well as a series of transaction records. It also has a built-in journal paper J for copying the embossment on the magnetic card.

This transaction medium processing device 20 is provided at a location within the housing 1 that corresponds to the transaction medium insertion slot 4 .

That is, the transaction medium insertion port 4 is communicated with the front surface of the main body 21, and the selection shutter 22 is connected to the transaction medium insertion port 4.
is provided. The selection shutter 22 is installed at a position where the user can visually see its open/closed state, and when inserting a passbook or payment slip [ ], the selection shutter 22 is in an open state and widens the opening of the transaction medium insertion slot 4. However, when inserting a magnetic card, the opening of the transaction medium insertion slot 4 is narrowed by closing it. As a result, the user can clearly know the insertion position of a narrow magnetic card in comparison to the insertion slot of a wide passbook or payment slip P. It is possible to insert it according to the Note that the selection shutter 22 is opened and closed by a solenoid 23.

Near the transaction medium insertion slot 4, that is, inside the selection shutter 22, a detector 24, 25 for optically detecting insertion or removal of a magnetic card, passbook, or payment slip P is provided. A magnetic field 26 for magnetically detecting the presence or absence of a live performance is provided. The detectors 24 and 25 are well-known devices consisting of a light emitting element and a light receiving element, and the detector 26 is constituted by a magnetic head or the like.

From the detectors 24, 25 toward the rear of the main body 21, a 1 (0) feed path 27 is provided in a substantially horizontal state.・Pinch rollers 29.・
...and a bottom plate 30 for guide, etc.
It is driven by a pulse motor via a belt (not shown). The conveyance path 27 is provided with side plates 31 and 32 at positions corresponding to the widths of the passbook and payment slip P, and a movable side plate 33 is provided at a position from the three side plates corresponding to the width of the magnetic card.

As a result, the side plates 31 and 32 regulate the conveyance position of the passbook and the payment slip P, and the card conveyance path 34 formed by the side plate 31 and the movable side plate 33 regulates the conveyance position of the magnetic card.

Note that 35 is a solenoid that drives the movable side plate 33, and 36 is a support arm to which the movable side plate 33 is fixed. As a result, when the solenoid 35 is energized, the mounting arm (not shown) moves downward, and the movable side plate 33 is retracted below the bottom plate 30 (when transporting the passbook and payment slip P).
. When the solenoid 35 is deenergized, the mounting arm (not shown) moves upward, and the movable side plate 33 becomes in a state of protruding above the bottom plate 30 (when transporting the magnetic card). Therefore, when transporting the passbook or payment slip P, the transport path 27 has the same width as the width of the passbook or payment slip P, so that the passbook or payment slip P can be transported, and when transporting the magnetic card, The conveyance path 27 is a card conveyance path 34 having the same width as the width of the magnetic card.
This allows magnetic cards to be transported.

(2) A main shutter 37 is provided at the starting end of the feed path 27, which opens and closes according to the detection results of the detectors 24 and 25.
This main shutter 37 is driven to open and close by a solenoid 38.

That is, when the insertion of a magnetic card, passbook, or payment slip P is detected, the solenoid 3B is energized and the main shutter 3 is activated.
It is designed to open 7.

Behind the main shutter 37 is a magnetic head 39 for a passbook.
Magnetic heads 40 for magnetic cards are sequentially provided.

The magnetic head 39 reads or records information on the magnetic stripe of the accepted bankbook. The magnetic head 40 is configured to read or record information on the magnetic stripe of an accepted magnetic card.

A pressure roller 41.41 is provided at the facing portion of each magnetic head 39.40 to bring the corresponding magnetic stripe into contact with a predetermined pressure.

In the middle of the IffJ feed path 27, the date and time of the passbook is read to detect the presence or absence of printing, and the presence or absence of page marks is detected.
An optical 7' type reader 42 for roughly reading payment information on the payment slip P is provided. The optical reading device 42 includes, for example, a CCD image sensor/13 and a lens 44 that reduces information on the object to be read and forms an image on the light receiving surface of the image sensor 43.
and a character recognition section 45 that recognizes information based on the output signal of the image sensor 43. The image sensor 43 is, for example, a self-scanning surface array consisting of a large number of solid-state dark image elements arranged on a plane. Further, the optical reading device 42 is configured to read in advance the characteristics of several types of payment slip formats (for example, the position and content of information to be read for each type of payment slip).
When the type of payment is specified, the corresponding payment slip format is selected, and the payment related information on the payment slip P is read using its characteristics.
The reading results are sent out. Here is Figure 9.

An example of the old style of payment slip P and the reading position is shown, and the part surrounded by the broken line in the figure shows the reading position.

A turn page mechanism 46 that automatically turns over the pages of the passbook is provided in front of the optical reader 42 on the conveyance path 27. The turn page mechanism 46 performs an auto-turn page by rotating in the direction of the arrow a in FIG. It is composed of a turning roller/18.

Below the turn page mechanism 46, there is provided a cash register 1 to 49 for issuing a receipt R. For example, a certain pressure is applied to the cash registers 1 to R by a presser JM50, and a take-out roller 51 applies a certain pressure to the cash registers 1 to R. The sheets are taken out one by one and transferred to the conveyance path 27.
It is designed to be guided by.

In the turn page of the first general feed path 27, a printing mechanism 52 is provided in front of the mechanism 46. The printing mechanism 52 prints predetermined information on the bankbook, the journal paper J, the receipt R1, and the payment slip P. It is composed of a carriage 54 that moves in orthogonal directions, a slide rod 55 that guides the carriage 54, and a table 56 that serves as a platen.

An embossing table 57 is provided in front of the printing mechanism 52 on the conveyance path 27 . The embossing table 57 rotates 90 degrees about the rotation shaft 58 when a magnetic card is placed on it, thereby forming the lower side of the journal paper J (embossed part 59).
At this time, the embossing roller 60 provided on the upper side of the journal paper J moves along the roller movement path 61, so that the embossment of the magnetic card is transferred onto the journal paper J. When the embossing table 57 is in a card standby state, a card position detector 62 detects that a magnetic card is placed, and stops conveyance of the magnetic cart. The card position detector 62 is a well-known device consisting of a light emitting element and a light receiving element. A journal paper J corresponds to the upper part of the stand 56 and the embossing unit 59 (the embossing stand 57 during embossing). The journal paper J is held on a delivery shaft 63, and is taken up via the stand 56 and the embossing section 59.
164.

A cutter device 65 is provided in front of the embossing stand 57 on the conveyance path 27 to cut the conveyed payment slip P into predetermined dimensions. For example, by rotating a roller 67 having a gap 66 through which the payment slip P passes, the cutter device 65 cuts the payment slip P between it and the other fixed blade 68.
It is like a so-called rotary cutter.

At the end of the conveyance path 27, there is a bankbook that has been conveyed.

A collection warehouse 70 for collecting payment slips P and magnetic cards through a first gate 69 is provided. The first gate 69 is driven by a solenoid 71, and when collecting a passbook or payment slip P, etc., the first gate 69 is rotated upward (the position shown by the solid line in FIG. 5) by the excitation of the solenoid 71. ing.

When the first gate 69 is moving downward (when the solenoid 71 is not energized), the conveyance path 27 can be conveyed to the depths, and the second gate 72 is provided. The second gate 72 is driven by a solenoid 73 to classify the conveyed payment slips P and accumulate them in the first stacking section 74 or the second stacking section 75.

On the other hand, inside the housing 1, as shown in FIG. 6(a), a control means 81. A banknote dispensing unit 82 accepts banknotes inserted into the deposit slot 11 and dispenses bills of a specified amount to the deposit slot 11; Coin dispensing unit 83 that dispenses coins to change dispensing port 9. Attendant operation unit 84 for clerks. Cumulative memory 85 for storing cumulative information for each type regarding all transactions. Payment slip P read by optical reader 42
An image information file 86 that sequentially stores image information of . Transaction details file 871 for recording transaction details 871 Station number table file 88. Journal printer89. A transmission control unit 91 and the like that control data transmission between the CPU 94 and a host computer (center) not shown are provided.

The control means 81 also includes the customer service operation section 2. Transaction medium processing device 20. Remote monitor unit 90 for staff provided outside. A reading state determining means 92 and an abnormality count storage section (memory) 93, which will be described in detail later, are connected.

As shown in FIG. 6(b), the control means 81 stores a CPU 94 for controlling the entire device, an operating program for the device, and a program for recognizing the number of occurrences of transaction abnormalities in the device. program memory 95;
The set value (
For example, it is equipped with a setting value memory 96 that stores a numerical value "5J" and an input/output interface 97 that sends and receives necessary information between each of the above-mentioned elements of this device.

The reading state determining means 92 determines whether the payment slip P itself is normal based on the reading result of the optical reader 42.

Abnormalities and character check digits recorded on the payment slip P are checked to determine whether the digits are normal or abnormal, and a matching check is performed.

The operation of the reading state determining means 92 is based on the operation program stored in the program memory 95.
This is done under the control of u.

The abnormal number memory 93 is configured to accumulate and store the number of transactions determined to be abnormal transactions by the reading state determining means 92 under the control of the CPU 94. At this time, the CPU 94 determines the number of abnormal transactions that have occurred, for example, twice in a row.

The occurrence states of 3, 4, and 5 times are stored in the program memory 9.
The recognition is based on the program stored in 5.

The station number table file 88 is stored in the optical reader 42.
This is for indexing information on the make-up phone number and fee payment deadline (information related to payment) related to telephone interest rates based on the user's phone number read by . Each piece of information is filed as a data table. Note that the information in this station number table file 88 does not need to have information for all districts, but by having information for a limited number of districts, it can be used as an auxiliary function for information in that district. .

Next, the passbook processing operation will be explained with reference to FIGS. 4 and 5. When accepting a bankbook, the CPU 94 excites the solenoid 23 to open the selection shutter 22. At this time,
The CPU 94 excites the solenoid 35, and this excitation force causes the movable side plate 33 to be retracted below the bottom plate 30.

As a result, the conveyance path 27 has a width defined by the side plates 31 and 32. When the user inserts the passbook into the transaction medium insertion slot 4 with a predetermined page open, the insertion is detected by darkening the detectors 24 and 25, and the CPU 94 excites the solenoid 38. to open the main shutter 37. Then, the inserted passbook is moved by the drive rollers 28, . . . and the pinch rollers 29, . ... and taken into the transaction medium processing device 20. As a result, the account information recorded on the magnetic stripe is read by the magnetic head 39 while the loaded passbook is being conveyed. Next, the optical reader 42 detects the presence or absence of printing in the date column of the passbook and the page mark. By detecting the presence or absence of printing, the line to be printed is determined, the passbook is conveyed to the printing position of the printing mechanism 52, and the print head 53
Predetermined information is printed.

Next, the processing operation of the payment slip P will be explained with reference to FIGS. 4 and 5. When accepting the payment slip P, the CPU 94 excites the solenoid 35 and opens the selection shutter 22. At this time, the CPU 94 is energizing the solenoid 35,
Due to this excitation force, the movable side plate 33 is retracted below the bottom plate 30. As a result, the conveyance path 27 is connected to the side plate 3.
A width defined by 1.32 is formed. When the payment slip P is inserted into the transaction medium insertion slot 4 by the user, the insertion is detected by darkening the detectors 24 and 25, and the CPU 94 excites the solenoid 38 to open the main shutter 37. . Then, the inserted payment slip P is moved to the drive roller 28. ...and pinch roller 29. ...
The transaction medium processing device 20 is held between the two and taken into the transaction medium processing device 20. Thereby, the payment information is read by the optical reading device 42 while the captured payment slip P is being conveyed.

Then, the CPU 94 causes the display device 14 to display the result of recognizing only the information necessary for the payment by the optical reader 42.

The payment slip P read by the optical reader 42 is transferred to the drive roller 28 . ... and pinch roller 29, ...
The first stacking section 74 and the second stacking section 7
It is classified and accumulated into 5 categories. That is, the payment slip P that has been received and printed is roughly conveyed, and the cutter device 65 cuts it into a receipt P1 and a notice P2.

It is divided and cut into three pieces of copy P3. The divided receipt P1 and copy P3 are stored in the collection warehouse 70 through the first gate 69. Notice P2 is classified by its issuer,
The second gate 72 classifies and stores the first and second stacks 74 and 75. For example, the first accumulation section 74 stores payment slips for telephone charges, and the second accumulation section 75 stores other payment slips.

By classifying and storing payment slips in this way, it becomes unnecessary to classify them into principal and interest when organizing payment slips. Also, the payment slip P is a receipt Pi, a notice P2. Since the items are divided and stored in the copy P3, there is no need to divide the items when organizing them, and the effort for organizing them can be saved. Since the notices P2 to be returned to the issuer are roughly classified and accumulated, they can be returned to the issuer as they are, and the sorting work can be simplified.

Next, the processing operation of the magnetic card will be explained with reference to FIGS. 4 and 5. When accepting a magnetic card, the selection shutter 22 is in a closed state.

At this time, since the CPU 94 is not exciting the solenoid 35, the movable side plate 33 is in a state of protruding from the bottom plate 30. As a result, the transport path 27 forms a 1 ft 2 card transport path 34 having a width defined by the movable side plate 33 and the side plate 31. When the user inserts the magnetic card into the transaction medium insertion slot 4, the insertion is detected by the detector 25.
This is detected by detecting the magnetic stripe with the detector 26, and the CPU 94 excites the solenoid 38 to open the main shutter 37. Then, the inserted magnetic card is moved by the drive rollers 28° . . . and the pinch rollers 29 . ... and taken into the transaction medium processing device 20. As a result, the account information recorded on the magnetic stripe of the loaded magnetic card is read by the magnetic head 40 while being transported.

The magnetic card from which the account information has been read is further conveyed to an embossing stand 57, where it is once stopped. That is, the magnetic card is transported until the leading edge of the magnetic card reaches the card position detector 62, and when the leading edge of the magnetic card is detected by the card position detector 62, it is stopped. After this stop, the CPU94
By rotating the rotating shaft 58, the embossing table 57 is rotated 90 degrees around the rotating shaft 58.
The upper magnetic card is controlled so that it enters the lower side of the journal paper J. The journal paper J is impregnated with pressure-sensitive coloring ink, and the embossing roller 60 moves the journal paper J on the upper side of the magnetic card to the roller movement path 61 and pressurizes the journal paper J. You can copy the embossment on a magnetic card.

As described above, a magnetic card is accepted, account information is read from the magnetic stripe, and the emboss is copied. When returning the magnetic card, the embossing stand 57 is rotated 90 degrees in the opposite direction (clockwise) with the magnetic card placed thereon, contrary to the previous operation, and the magnetic card is exposed onto the card transport path 34. .

Thereafter, the magnetic card is conveyed in the direction of the transaction medium insertion slot 4 and returned, or conversely conveyed in the receiving direction and collected in the collection warehouse 70.

FIG. 9 shows a payment slip P for telephone charges and the reading position in that case. At a reading position A in the center of the payment slip P, information for reading and processing separately with an optical reader 42 is printed. Therefore, there is no need for general customers to decipher it, just the numbers are lined up. The payment deadline is printed at reading positions B and F. Payment deadlines vary, for example, depending on the area code of the user's telephone number, so that payments are not made at the same time. The payment deadline is only the 2nd of the month, and there is no year.

At reading positions C and E, the telephone number of the appointment destination is printed. The make-up telephone number is the make-up telephone number of the telephone office that manages the telephone used by the user, and is used in cases where the user has doubts about the charged interest rate. Also, for example, when the telephone bill is paid after the payment curfew, the user can see if the telephone has stopped calling due to non-payment of the telephone bill. At this time, in the financial period in which the fee was paid,
The call suspension is canceled by notifying the temporary telephone number that the interest has been paid.

The user's name is printed in katakana at the reading position. The optical reading device 42 reads the image information at this reading position and outputs the reading result, but does not perform recognition processing. That is, the name information at this reading position is used to record the input image information as it is to prove which payment slip was used rather than who made the payment.

Here, the processing after reading at these reading positions A to F with the optical reading device 42 will be explained. Reading position A is information for machine processing, and records the user's telephone number, billing date, and billing amount. That is, the 6th to 14th digits (30222200
0) is the user's phone number (03-222-2000>
shows. The 15th to 18th digits (8802) on the first line are:
The date of request (February 1963) is shown. The 19th digit (3), which is the last digit of the first line, indicates a check digit for logically checking the validity of the read result of this line. As a result, even if a misreading occurs, it is possible to detect the misreading.

1st to 9th digits and 10th to 18th digits (00
0004000), we will accept a charge of 1 (4000). As for the billed amount, two pieces of the same information are recorded in this way to ensure that there is no misreading. 2
The 19th digit (2) of the row indicates a check digit for logically checking the validity of the read result of this row. This makes it possible to double check the billed amount and improve reliability.

At reading positions B and F and reading positions C and E, a payment deadline and a make-up telephone number are recorded, respectively.

However, since these are not for machine processing, they are not check digits, and the validity of the read results cannot be logically checked.

Therefore, the validity of the read result is checked by reading information in two places where the same content is recorded and performing a matching check. This matching check can also be performed by reading the same reading position twice and comparing and collating the two reading results, but in this embodiment, by reading the same information recorded in two different places, Is going. As a result, even if the reading position is contaminated with dust or the like and the same error occurs no matter how many times the reading is performed, the reading result can be checked reliably.

By using the two types of checking methods as described above, highly reliable reading results can be obtained. Further, this checking method can be arbitrarily specified depending on the type of payment slip to be accepted.

FIG. 8 shows a reissued payment slip P' that is reissued when the payment slip P is lost, and information on the reading positions A, C, and E as described above is not recorded.

Next, a description will be given of the printing of the received payment slip P on the received payment slip P. The payment information on the payment slip P brought by the user is read by the optical reader 42. When the processing of the payment transaction is completed based on the reading result, the printing mechanism 52 prints a receipt on the payment slip P. An example of this receipt printout is shown in FIG.

As mentioned above, the payment slip P consists of a receipt P1 to the user, a notice P2 to the issuer, and a receipt P3 for the financial period. First, the content printed on the receipt P1 to the user will be explained. Receipt P1 has the receipt date r 63-0
Information "issued" indicating that 2-05J and another receipt have been issued is printed. In this embodiment, a separate slip (receipt) is printed and issued as a receipt to the user, so once the receipt P1 of the payment slip P is printed, it is sent to the collection warehouse 70. to recover. The reason why a separate ticket is issued as a receipt is that the receipt P1 is printed by the normal printing mechanism 52.

Therefore, it is possible for a malicious user to print "received" on the receipt amount Pi using a printing device that he or she owns, similar to the "received" print of this device. Receipt printed like this &i
It is conceivable to separate Pt from the payment slip P and make a false application that the payment has been made to the financial period. Therefore, by incorporating a slip (receipt) that cannot be obtained by general users into this device and issuing it as a receipt, it is possible to issue a receipt using only a general printing device and use it for crime. It is possible to prevent this from happening. Further, by printing "Issuance groove" on the receipt P1, it is indicated that another receipt is required for the issue. The issuance of a single receipt will be explained in detail later.

Next, the contents printed on the notice P2 to the issuer will be explained. Notification IP2 includes the name of the financial period that accepted the payment, the store name (in this case, "XX Gingo 00 Fulcrum"), the date of receipt 1"63-02-05J, the information "Receipt" indicating that the payment has been received, and the receipt amount [¥4000J] is printed. This notification IP2 is sent back to the issuer at a later date, and the ledger is updated at the issuer. The issuer centrally organizes the returned notices 1iP2 and uses another optical reader to read the part for mechanical processing printed in the center of the notice P2 (reading position A). Updates are now performed automatically. In general, this notification
P2 is stored at the issuer. If a trouble regarding payment occurs with the user at a later date, it will be processed according to the stored notice 1WP2.

At this time, it becomes immediately clear when the application was accepted during this storage period.

Next, the contents printed on the copy P3 in the financial period will be explained. On stamp P3, the receipt date “63-02-051,
Information indicating that it has been received “Receipt” and transaction serial number r 0
53J is printed. The transaction serial number indicates the number of transactions performed by the automatic transaction device on that day. This makes it possible to search for the corresponding transaction from the transaction records of the day recorded in a journal or the like. If a dispute arises later between the user and the payee (the issuer of the payment slip, in this case the wire and telephone bill), it is possible to use the copy P3 and transaction records. Therefore, it becomes possible to clearly prove the details of the transaction.

As mentioned above, the receipt P1 for the payment slip P is not issued to the user. Instead, a receipt R stored in the device is issued. Receipt R is issued when a customer does not bring a passbook for transactions on other accounts, and is also used as a receipt for payment transactions using payment slip P. An example of printing on the receipt R in this case is shown in FIG.

Receipt R has the handling date 1”63-02-05J,
Dealer code r0456-0123J and transaction number (transaction serial number) 053J are printed. This allows you to know when and which store the transaction was made using the machine. Indicates the transaction type. "Telephone" is printed on the transaction side, indicating that the payment is for telephone charges.The amount to be paid is the transaction amount [¥4,000J, and the amount the user has deposited in cash is the transaction cash "¥10,000J and Change [￥
6000j is printed. This change “¥60004” is
If the payment process is to be performed consecutively, the change will not be refunded and the payment process will be automatically performed successively starting from the change.

In addition, the billing date 1'-63-02J and the payment deadline r0
2-12'' is printed according to the reading result of the optical reader 42.

In the recipient column, since the payment is for a telephone charge, the proper noun 1-Nippon Telegraph and Telephone Corporation, which has been previously recorded in the control means 81 of this device, is printed. Further, the telephone number is printed according to the reading result of the optical reader 42. In this way, not only the reading result of the optical reader 42 as the recipient, but also the proper name of the recipient stored in the device according to the transaction type can be automatically printed as the recipient name. The receiver can immediately identify the recipient by looking at the cashier 1-R (receipt).

In the client column, the client's name "Taro Yamada" and the client's telephone number @r 03-222-2000J are printed. The client's telephone number is printed according to the reading result of the optical reader 42. Furthermore, the client's name is printed using the image information itself obtained by the optical reader/12.

That is, rather than the result of reading and recognition by the optical reading device 42, the read image itself is transferred as the client's name. As a result, the optical reading device 42 does not need to recognize katakana characters or the like in which the client's name is printed, and an inexpensive and small optical reading device can be put to practical use. In addition, if a problem occurs later due to the transfer of the image itself, you can check the client information transcribed on the receipt R and the client name column printed on the stamp P3 of the payment slip P. By meeting and confirming it, it becomes possible to prove that the payment transaction was indeed carried out using the payment slip. Here, a method for updating the ledger at the issuer of the payment slip P (in this case, the electronic and telephone bill waste) will be explained. As mentioned above, payments are made according to the financial period, but ultimately the issuer's ledger must be cleared for the payments made by the users. There are three input methods for this redemption:
Various methods are possible.

The first method is based on the notice P2 of the payment slip P. That is, the notification NP2 is returned from each financial institution for centralized processing at the issuer.

The issuer clears the ledger by reading the returned notice P2 with another optical reader.

The second method is a method using the image information file 86 of this device. That is, the image information of the payment slip P read by the optical reader 42 is sequentially recorded in the image information file 86. This image information includes the user number (phone number in this case), billing date, billing amount, etc. necessary for clearing the ledger. Therefore, the image information file 86
The ledger is cleared by returning the recording medium on which image information is recorded to the issuer.

In this second method, compared to the above-mentioned first method, again,
It is no longer necessary to read the notice P2 with an optical reader, and it is also no longer necessary to return a large number of notices BP2 to the issuer, making it easier to perform the redemption process and shorten the time it takes to complete the process. It becomes possible to redeem the information in a short time, and the service quality for the users can be improved.

The third method is to use the transmission control unit 91 connected to the CPU 94.
This is a method of transmitting image information to a host computer. That is, the image information read by the optical reader 42 is transmitted by the CPU 94 to the host computer connected via a telephone line or the like via the transmission control unit 91. When the host computer receives the image information, it performs the processing for crediting, and immediately completes the clearing of the paid items from the ledger. In this third method, the first
゜Compared to the second method, it is possible to apply the transaction in a short time after the payment, and since the transaction is processed directly from the automatic transaction device to the host computer,
Manpower can be omitted from the clearing process, and reliable and accurate clearing can be performed.

The first point explained above. Second. The third redemption method is selected by each issuer. In other words, whether the issuer's reconciliation system supports the conventional first method, whether it is possible to input using a recording medium on which image information is recorded, or whether it is possible to input data directly from the boss 1 to computer into the ledger. The selection is made depending on whether or not it is possible to include the above. This is because the level of development of each issuer's erasure system is different, so it is possible to correspond to each erasure system.

Next, in the above configuration, (e) in FIG. 1(a)
The operation of the money payment transaction will be explained by referring to the flowchart shown in ). First, the operation of a payment transaction using a single payment slip will be explained. For example, right now, a user stands in front of this automated transaction device. At this time, the display device 14
``Please specify one transaction as shown in Figure 3'' is displayed, along with ``1 payment slip, multiple payment slips, reissue slip''.
A selection key is displayed (Sl). Following this guidance, the user presses the area labeled "1 payment slip" (S2). As a result, the CPU 94 decides to proceed to the next processing step (S3), and the display device 14 displays "
Please enter your payment slip" is displayed (S4). The user inserts the prepared payment slip P into the transaction medium insertion slot 4 according to this guide (S5).

As a result, the CPU 94 determines that the payment slip P has been inserted (S6) and reads the payment information from the payment slip P (S7).
).

That is, the inserted payment slip P is taken into the transaction medium processing device 20, and the optical reading device 42 reads the payment information according to the pre-stored logic of the reading position and reading content of the payment slip P ( S7). At this time, CPU9
4 determines the position of the payment slip P via the optical reader 42, and if it is determined that it is not at the prescribed position, moves the payment slip P to the prescribed position via the conveyance path 27. With this operation, the accuracy of reading the payment slip P by the optical reader 42 can be improved.

Incidentally, when the user inserts the payment slip P into the transaction medium insertion slot 4 in the state of step S1, the CPU 94 determines that,
It is also possible to read payment information from the payment slip P (S7) as a payment transaction using one payment slip.

Now, the optical reader 42 reads the characters from the reading position of the payment slip P and sends the reading result to the CPU 94.

The CPU 94 transfers this reading result to the reading state determining means 9.

Then, in the reading state determining means 92, if the number of characters in the reading position is less than the specified number or more than the specified number, it is determined that the payment related information of this payment slip P is abnormal (38 is denied), This determination result is sent to the CPU 94 as information on the number of abnormal transactions. The CPU 971 sends this number information to the abnormal number memory 93 and stores it therein. At this time, the CPU 94 simultaneously recognizes the number of occurrences of abnormal transactions.

Such an operation may occur if even one character as payment-related information is unreadable in the reading result by the optical reader 42, or if the check digit of the character at reading position A is incorrect, or if the optical reader 42 Among the characters recognized by the reading device 42, a matching check is performed on the billing amount for 2' at the reading position △, the two payment deadlines at the reading positions B and F, and the two makeshift telephone numbers at the reading positions C and E. The same process is performed even if it is determined that there is a mismatch.

The same applies when the user inserts the payment slip P in the wrong direction, with the front and back sides, or inserts a foreign object other than the payment slip P, that is, when the payment slip P itself is abnormal.

Then, the CPU 94 causes the entire device to continue operating as a normal state until the number of consecutive occurrences of the above transaction abnormality reaches 5 (No in S53), and returns the payment slip P at this time ( S9). On the other hand, when the number of consecutive occurrences of transaction abnormality reaches 5, that is, when the CPU 94 recognizes the number of consecutive occurrences as 5 and the value "5" is also stored in the abnormality number memory 93, the CPU 94 inputs and outputs A command to stop the abnormal body is sent to each part of this device via the interface 97. As a result, after this device returns the payment slip P (S54), it becomes in an abnormal condition state. After this,
The restoration process is left to the staff (S55).

On the other hand, the optical reading device 4 is detected by the reading state determining means 92.
2, when it is determined that a character at a reading position other than reading position A of the payment slip P is unrecognized (510), the CPU 94 determines the unrecognized character by indexing necessary information from the station number table file 88. (S11).

That is, the payment deadline and the make-up telephone number are recorded at reading positions other than reading position A, that is, reading positions B and F and reading positions C and E, and these could not be read by the optical reading device 42. It turns out. In this case, the CPU
94 is the user's phone number r read from reading position A
Based on 03-222-2000J, first, by indexing each information of the corresponding temporary telephone number [o3-234-1111J and payment deadline (day and day only) "12th" in the area number table file 88, Combined phone number r
Decide on 03-234-1111J. Next, the payment deadline (day and day only) indexed from the area number table file 88
The payment deadline "February 12th" is determined from "February 12th" and the billing date "February 163" read from reading position A. That is, generally, the makeshift telephone number is uniformly determined based on the user's telephone number. Further, the payment deadline is fixed on the same day every month, and the date is determined by the user's telephone number, and together with the billing date and month information, the payment deadline is determined. Therefore, by having each of the above-mentioned information as a table in the area number table file 88, it is possible to determine the make-up telephone number or payment deadline information that could not be read as described above.

In this way, when reading information from reading positions B, F, C, and E, which are not for mechanical processing and have poor reading conditions, if only the information can be read, read from reading position A, which is for mechanical processing and has good reading conditions. Based on the read information, station number table file 8
By indexing necessary information from 8, the information that could not be read is determined.

In addition, the process of step 310 is omitted, and "-child"! It is also possible for the main control unit 81 to base the phone number read from the reading position A on the user's phone number and index necessary information (makeshift phone number and payment deadline) from the area number table file 88.

If it is determined in step 310 that the characters at reading positions other than reading position A of the payment slip P can be recognized, or if the processing in step 311 is completed, the main control unit 81 allows the payment transaction using one payment slip. Please judge what is necessary 312)
, the display device 14 simultaneously displays the reading results of each reading position of the payment slip [], and also displays the message "Please insert cash" and displays a cancellation key (313). Therefore, insert the banknotes into the deposit slot 11,
Either insert a coin into the coin slot 8, or press the part labeled "Cancel" (S14). Here, C.P.
When the U94 determines that the cancel key has been pressed (S15), the accepted payment slip P is ejected to the transaction medium insertion slot 4 and returned to the user, and the process returns to the initial state (316).

In step 315, if the CPtJ94 determines that banknotes and coins have been inserted, the banknotes are transferred to the banknote withdrawal unit 82.
The coin is accepted by the coin dispensing unit 83 (S17).

When the CPU 94 determines that banknotes and coins are accepted, the accepted payment slip P is made to stand by at the printing position of the printing mechanism 52 (
318). When the acceptance of banknotes and coins is completed, the CPU 94 displays "Please confirm the deposited amount" on the display device 14, and also displays the deposited amount 1. A cancellation key and a confirmation key are displayed (S19). The user presses the confirmation key according to this guidance (S20). When the CPU 94 determines that the confirmation key has been pressed, the display device 14 displays "Currently processing the computer. Please wait for a while" (S21). Then, the CPU 94 sends and receives transaction messages to and from the host computer (822), prints the results on the journal printer 89, records the transaction details in the transaction details file 87, and sends the transaction messages to and from the image sensor of the optical reader 42. The image information of the payment slip P obtained from 43 is recorded in the image information file 86 together with the reading result of information necessary for payment (S23). Also, CPU9
Step 4 uses the printing machine M452 to print a receipt as shown in FIG. 10 on the payment slip P (S24).

When the printing of receipt for payment 7p is completed, <, ',
P U 94 sends the payment slip P to the cutter device 65 to generate a receipt P1. Cut the notice P2 and copy P3, store the receipt P1 and copy P3 in the collection warehouse 70, and save the notice P2.
are stored in the first accumulation section 74 (325).

When the collection of the payment slip P is completed, the CP tJ 94 prints a receipt using the receipt R (S26). By tapping and operating the receipt issuing mechanism 49, one receipt R is taken out and sent to the printing position of the printing machine groove 52, and the transaction details as shown in FIG. 11 are printed on the receipt R using the printing mechanism 52. do. Then, the main control unit 81 displays ``Please receive the receipt a5'' on the display device 14 (327), and discharges R to the cash register 1 into the transaction medium insertion slot 4 (328). The user receives the receipt R from the transaction medium insertion slot 4 in accordance with this guidance (329).

Next, the CPU 94 determines the transaction type (530), and if it determines that the transaction is a payment transaction based on one payment slip, it determines whether there is change (331). If it is determined that there is no change, the CPU 94 displays the message "Please receive change" and the amount of change on the display device 14 (3).
32). At this time, the CPU 94 operates the banknote depositing section 82 to discharge the change banknotes to the depositing port 11, and discharges the change coins to the change discharging port 8 without operating the coin dispensing section 83 (
333).

By discharging the change, the users receive the change from their respective receiving slots (334), thereby completing the processing of the payment transaction using one payment slip.

Next, the operation of a payment transaction using a small number of payment slips will be explained. The same steps S1 to S30 as described above are executed. However, in step S2, the user presses the part displayed as "multiple payment slips," and in step 317, the user deposits the total transaction amount for the plurality of payment slips P for which the user intends to perform a payment transaction.

In step 530, the CPU 94 determines the transaction type;
If it is determined that the payment transaction is based on multiple payment slips,
It is determined whether the payment slip P is the first one in this payment transaction (S35). If it is determined that the payment slip P is the first one, the CPU 94 proceeds to step S4. With this process, in the case of a payment transaction using multiple payment slips, the first payment slip P
After the payment transaction for the second payment slip P is completed, the payment transaction for the second payment slip P is unconditionally proceeded to. Therefore, the user's operations can be simplified and facilitated.

In step 335, if it is determined that the payment slip P is not the first one, the CPU 94 displays on the display device 14, ``Do you have any other payment slips? Please specify.
The other payment slip present key and the end key are displayed (336>.The user presses the part displayed as the other payment slip present key or the end key according to this guidance (337).Here, the CPtJ94 If it is determined that the other payment slip present key has been pressed (338>, the process proceeds to step S4; if it is determined that the end key has been pressed, the process proceeds to step S31.
Since the payment transaction for each payment slip P after the first payment slip P is completed, when the payment transaction for the number of payment slips P desired by the user is completed, the payment transaction for multiple payment slips P is completed. Processing can be terminated. Incidentally, when a payment transaction using a plurality of payment slips is selected in steps S1 and S2, by inputting the number of payment slips P to be handled, it is also possible to capture and process that number of payment slips P.

Step 335S or Step 338 to Step S
If the process proceeds to Step 4, the processing in steps S4 to 1311 is executed in the same manner as in the payment transaction using one payment slip. continue,
In step S12, the CP tJ94 determines that the payment slip P in the multiple payment slip transaction is the second or subsequent payment slip, and displays the display device 1.
In step 4, the reading results of each reading position of the payment slip P, the amount of the billed amount of all the payment slips P up to this time, the amount of 2 banknotes and coins deposited, and the available balance (change) are displayed at the same time.
Please confirm the details of the transaction.'' At the same time, a confirmation key and a cancellation key are displayed (S39). Following this guidance, the user presses the part labeled Confirm Key or Cancel Key (340).

Here, if the CPLI 94 determines that the confirmation key has been pressed (341), the process proceeds to step 321. In this case, since the user deposited the total amount of transactions for all payment slips P for which the user wishes to make a payment transaction in step 317 when making a payment transaction for the first payment slip P, in the payment transaction for the second and subsequent payment slips P, step 317 The deposit operations from S20 to S20 become unnecessary and can be omitted. This simplifies user operations and reduces processing time.

Furthermore, there may be a case where the billed amount of all payment slips P up to that point exceeds the amount of banknotes and coins deposited, that is, a cash shortage may occur. In this case, the CPU 94 displays the content on the display device 14 and also displays the amount of money that is insufficient. The user follows this guide and inserts banknotes and coins equal to or more than the insufficient amount. This is because if the user deposits an amount different from the total billed amount of all payment slips P in step S17 of the first payment slip, this process allows the user to continue making payment transactions.

In step 341, if the CPU 94 determines that the cancel key has been pressed, the process proceeds to step S16, and the payment slip 1 is
Processing is similar to payment transactions using coins.

When the process advances from step 341 to step S21, steps S21 to S25 are executed in the same manner as in the payment transaction using one payment slip. Then, in step 326,
The CPU 94 uses the printing gate mechanism 52 to print on the receipt R the contents read from the payment slip P, the amount of cash deposited, the amount obtained by subtracting the cover of the previous billed amount from the deposited cash amount, and the change, etc. The same steps S27 to S30 and S35 to S38 as described above are executed. If the process proceeds from step 538 to step 331, the payment slip 1
The processing of steps S31 to S34 is executed in the same manner as the payment transaction using multiple payment slips, and the processing of the payment transaction using multiple payment slips is completed.

Next, we will briefly explain the operation of payment transactions using reissue documents. Execute the processes of steps S1 to S3 in the same manner as above,
If the part labeled “Reissue Certificate” is clicked, the CP
The U94 proceeds to step 342, and displays on the display device 14 the message "Please enter the telephone number, billed amount, and payment deadline", as well as a numeric keypad and a correction key. The user inputs necessary information (telephone number, billed amount, payment deadline) by pressing the area where the numeric keypad is displayed according to this guidance (S43). The information entered here may include other items depending on the information written on the payment slip.

The CPU 94 displays the input necessary information on the display device 14, confirms the contents on the display device 14, and confirms the confirmation δ.
"Please press button 2" is displayed, and a confirmation key, correction key, and cancellation key are also displayed (S44). The user is
Following this guidance, the user presses the part labeled as confirmation key, correction key, or cancellation key (S45). Here, if the CPU 94 determines that the correction key has been pressed (3
46), proceed to step S42, and return to step 342.
The processes from S45 to S45 are executed. Further, if the CPU 94 determines that the cancel key has been pressed (S47), step 34
Proceed to step 8 and return to the initial state.

In step S47, if the CPtJ94 determines that the confirmation key has been pressed, it displays "Please insert payment slip" on the display device 14 (S49). Following this guidance, the user inserts the reissued payment slip P' as shown in FIG. 8 into the transaction medium insertion slot 4 (350).

Thereby, the CPU 94 determines that the reissued payment slip P' has been inserted, and the transaction medium processing device 20 takes it in (S51). This is effective for the staff member to confirm that the information input by the user matches the contents of the reissued payment slip P'. Then, the CPU 94 controls the display device 14
552), proceed to step S14, and proceed to steps S14 to S8 similar to Moeki.
34 is executed, and the processing of the payment transaction using the reissue note is completed.

[Effects of the Invention] According to the present invention described in detail above, since the device is designed to have a certain margin before stopping the abnormal body,
The number of abnormal object failures is reduced, thereby making it possible to provide an automatic transaction device that eliminates complexity by reducing the number of recovery processing operations and improves serviceability for users.

[Brief explanation of the drawing]

1(a) to 1(e) are flowcharts explaining processing operations for telephone bill payment transactions; FIG. 2 is a perspective view of the overall appearance of the device; FIG. 3 is a diagram showing an example of the display on the display device; 5 and 5 are diagrams for explaining the configuration of the transaction medium processing device, FIG. 6(a) is a block diagram for explaining the overall configuration, and FIG. 6(b) is an embodiment of the present invention. A block diagram showing the configuration of the main parts of the device, FIG. 7 is a diagram showing an example of the configuration of a telephone bill payment core, and FIG. 8 is a diagram showing an example of the configuration of a reissued payment slip. , FIG. 9 is a diagram for explaining the reading position on a payment slip, FIG. 10 is a diagram showing an example of printing of "received" on a payment slip, and FIG. 11 is a diagram showing an example of printing on a receipt. It is. P...Payment slip (recording medium), P'...Reissue payment slip, 2...Customer service operation department, 4...
・Transaction media insertion slot, 11...Deposit slot, 14...C
RT display device (operation guide means, input means), 20... Transaction medium processing device, 42... Optical reading device (reading means), 81... Control means, 92... Reading state determining means, 93... Abnormal number memory. Figure 1 (C) Figure 1 g4 /81 1; Figure 6 Figure 10

Claims (1)

[Claims] In an automatic transaction device that takes in a transaction medium in which payment-related information related to an amount payment is recorded, reads the payment-related information from this transaction medium, and executes payment transaction processing based on the reading result, a transaction medium that is taken into this device and a reading state determining means for determining whether the payment-related information is normal or abnormal; an abnormal number storage section for storing the number of transactions that are determined to be abnormal as a result of the determination by the reading state determining means; A control means for continuing the operation of this device until the number of stored abnormal transactions reaches a predetermined value set in advance, and controlling the device to an abnormal stop state when the number of abnormal transactions continuously reaches the predetermined value. An automatic transaction device comprising: