JPH0221034B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a passbook processing device in which a processing section is provided along a passbook conveyance path that communicates with the outside to perform predetermined processing on passbooks.

Generally, a deposit system in a financial institution such as a bank consists of a large-scale central processing unit consisting of an electronic computer and a storage device that stores ledgers of all deposit accounts, each connected to the central processing unit via a communication line. , consists of multiple terminal devices installed at each deposit counter, such as passbook handling devices, and currency transaction devices such as automatic deposit devices and automatic deposit payment devices installed at each store, and transactions can be made from any of the devices. The central processing unit's storage device can be accessed online and in real time, allowing transactions to always be based on the latest data. The introduction of such a deposit system made it possible to conduct transactions such as automatic transfer of salaries and automatic transfer of utility charges, but this led to an increase in end-of-passbook transactions. For example, if a depositor brings their passbook with them to make a deposit, unrecorded data such as transfers and transfers prior to the transaction will be printed over many lines on the printed side of the passbook, which is what is called a final entry. will occur. Therefore, the amount of printing on passbooks increases, and the number of reissuing new passbooks also tends to increase significantly.

In such a deposit system, updating of a passbook has conventionally been processed as follows. In other words, currency transaction devices conventionally have a built-in printing device that automatically prints the transaction details on the currency that the user brings, but if the passbook printing space becomes full while printing the passbook, Either stop the operation of the device and have the staff reinsert a new passbook, or if the printing space is about to become full during a transaction, simply print out the details of the transaction without printing the final entry and complete the procedure at the counter. The methods used were to either ask customers to do this, or to not accept passbooks whose printing space was about to become full. However, in either case, extremely troublesome procedures were required for users and staff.

Therefore, in recent years, devices have been adopted in which a new passbook is built in, and when the printing space of an accepted passbook is full, that is, when the passbook is updated, the built-in passbook is taken out and printing continues. ing. However, in this case, after the received old bankbook is discharged to the outside, the built-in new bankbook is taken out, printed, and then discharged.
Therefore, when the old passbook is ejected, there is a risk that the user will take only the old passbook home and forget to take out the new passbook, and there is also a drawback that operability is poor.

The present invention was made based on the above circumstances, and its purpose is not only to automatically carry out the procedure for updating a passbook, but also to prevent users from forgetting to take one of their passbooks when updating their passbook. An object of the present invention is to provide a passbook processing device that can prevent the above problems.

An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 shows a passbook p used in a passbook printing device as a passbook processing device according to the invention.
This passbook p has a plurality of pages c... bound in a booklet form between the front cover a and the back cover b, and these pages c
A plurality of lines of printing fields d are printed on each printing surface. In addition, a page mark e for identifying page c is provided for each page c, and a ledger file 5 to be described later is provided.
This corresponds to the subject of deposits in Section 6. Also, back cover b
A magnetic stripe F is affixed to a predetermined area of the bank, and the representative account number and the latest balance entered in the ordinary savings passbook are written on it.

FIG. 2 shows the printing device 1, in which 2 is a housing. An entrance/exit 3 for a bankbook p is formed on the front surface of the casing 1. In addition, inside the housing 2, there is a conveyance path 4 for the passbook p received from the input/outlet 3, a holding section 5 arranged in order from the input/output 3 side along this conveyance path 4, and a magnetic processing section. a stripe record reading section 6, an information detection section 7 as a processing section,
A printing section 8 as a processing section, a passbook flipping device 9, and a passbook feeding section 10 are accommodated. In addition, 1
1 is a first passbook detector for detecting the presence or absence of a passbook p between the entry port 3 and the storage unit 5; 12 is a first passbook detector for detecting the presence or absence of the passbook p between the storage unit 5 and the magnetic stripe recording reading unit 6; The second passbook detector 13 is a third passbook detector that detects the presence or absence of the passbook p in the passbook flipping device 9.

The conveyance path 4 is for conveying the passbook p received from the input/output 3 in an open state, and is driven by a drive motor 1.
A plurality of first drive rollers 15 are driven by the drive rollers 4 and support the front cover a and back cover b, that is, the lower surface, of the passbook p, and a plurality of pinch rollers 1 roll into contact with these drive rollers 15 via the conveyance path 4.
6... are arranged. The passbook p can be stopped at a predetermined position or moved backwards.

The holding section 5 is for temporarily holding the bankbook p while it is being transported, and as shown in FIG. a plate 17 and a second guide plate 19 arranged to form a first accommodating part 18 for accommodating the passbook p opened below the conveyance path 4.
A second drive roller 20 whose peripheral edge slightly protrudes from the first guide plate 17 into the conveyance path 4 and is driven by the motor 14, and a second drive roller 20 which protrudes into the first storage section 18 when necessary. It mainly consists of a presser roller 21 that presses the passbook p in the first storage section 18 against the second drive roller 20. The presser roller 21 is attached to one end of an arm 23 that is rotatably supported on a rotation shaft 22. Further, a first solenoid 24 is provided at the other end of the arm 23.
A first operating rod 25 and a return spring 26 are connected. The presser roller 21 is then
When the solenoid 24 is energized, the first housing section 18
The solenoid 24 protrudes from the first solenoid 24 and is retracted from the first accommodating portion 18 when the first solenoid 24 is demagnetized. Further, a shutter 29 attached to the second actuation rod 28 of the second solenoid 27 is provided on the input/outlet 3 side of the storage section 5.

The magnetic stripe recording reading unit 6 reads information on the magnetic stripe f, and reads information on the magnetic stripe f.
A magnetic head 30 is placed opposite the conveyance path 4.

The information detection unit 7 optically detects page marks e, printed lines, etc., and includes an information detector 33 consisting of a light source 31 that illuminates the bankbook p, a light receiving element 32 that receives reflected light from the bankbook p, and the like. It is configured with

The printing section 8 prints transaction details on predetermined printing lines of the bankbook p, and is composed of a printing head 34, a platen 35, and the like.

The passbook flipping device 9 includes a flipping roller 36 that is disposed facing the page c... side, that is, the top surface, of the passbook p in the conveyance path 4 and is driven by the motor 14;
and a pressing pad 39 attached to the third actuating rod 38 of the third solenoid 37, and the pressing pad 39 holds the bankbook p stopped in such a state that the end thereof is set at the position of the turning roller 36. At the same time as pressing the turning roller 36, the turning roller 36
The page is turned by rotating the page.

As shown in FIG. 4, the passbook supply unit 10 has the following functions:
A new passbook p is issued when the passbook p is updated, and the passbooks p are stacked and accommodated in a second accommodating section 40 with predetermined pages c . That is, the passbook p in the second accommodating section 40 is backed up by the third guide plate 41 for regulating the take-out position and the back-up which is always urged in the direction of the third guide plate 41 by the urging spring 42. It is held between the body 43 and the body 43. The third guide plate 41 and the backup body 43 are bent to hold the passbook p in a half-open state. Further, an opening 44 is formed in the third guide plate 41, and a take-out roller 4 is driven through the opening 44 by the motor 14 via a clutch 45.
6 is in pressure contact with the passbook p at the end. As the take-out roller 46 rotates, the bankbooks p are fed out one by one from the take-out port 47 to the transport path 4. Further, the outlet 47 is connected to the third guide plate 41 and the second accommodating portion 4.
A width narrower than two passbooks and wider than one passbook is formed between the guide plate 48 and one end of a side guide plate 48 disposed opposite the side of the passbook p stored in the passbook p.

FIG. 5 schematically shows the configuration of an online deposit system using the printing device 1, which includes the printing device 1, a deposit device (not shown), and a buffer 4.
The automatic teller machine 51, which is one of the terminal devices 50 incorporating the 9, has a modem 52, a communication line 53, and a modem 54
Center CPU as a central processing unit
It is connected to system 55. The buffer 49 is used to temporarily hold data transmitted from the automatic teller machine 51 to the center CPU system 55 and data returned from the center CPU system 55 to the automatic teller machine 51. In addition, the above center
The CPU system 55 is provided with a ledger file 56 as a ledger that stores transaction data for each account and has a plurality of items such as ordinary deposits, savings deposits, and time deposits for one account number. The file structure of this original file 56 is as follows. That is, the file name is the representative account number, and the file is divided into sub-files such as ordinary deposits, savings deposits, time deposits, etc. Each subfile contains deposit data.

When the user opens the print page and inserts the passbook p from the entrance/exit 3 of the passbook printing device 1 to use the automatic deposit machine 51, the first passbook detector 11
detects the tip of passbook p. Then, shutter 2
9 is released, the presser roller 21 rolls into contact with the second drive roller 20, and at the same time the drive motor 14
rotates in the passbook take-in direction, and the passbook p is taken into the conveyance path 4 and conveyed. Then, the bankbook p detects information such as the account number on the magnetic stripe f by the magnetic head 30, and the printed pages and printed lines by the information detector 33, and then is set at the printing position and waits. On the other hand, a deposit device (not shown) accepts cash, for example, as a savings deposit, and the amount is counted. Then, the account number, printed page,
The number of lines printed, the amount, and the latest balance entered in the passbook are displayed in the center.
It is sent to the CPU system 55.

Upon receiving this, the center CPU system 55 reads out the account data from the ledger file 56, compares the bankbook entry balances to see if the file data and the transmitted data match, and if the data match. The account number is verified to be free of errors, and if the data does not match, the user returns, for example, the passbook P to the user and asks them to take measures at the counter to complete the transaction. On the other hand, to determine whether or not the passbook p will be updated if the data match, calculate the number of printable lines for the item from the print page and specified number of print lines of the sent data, and then compare this with the attached data and the transaction data. The number of lines to be printed is compared with the number of lines to be printed, and if the number of lines that can be printed is smaller, the bankbook is judged to be updated. If the passbook p is not updated, the ledger file 56 is updated, the print data is returned from the center CPU system 55 to the automatic deposit machine 51, and is held in the buffer 49.
After the passbook p is printed and the magnetic stripe f is rewritten in sequence, the passbook p is returned and the transaction is completed. On the other hand, when the passbook p is updated, the ledger file 56 is edited and updated, and the print data is returned from the center CPU system 55 to the automatic deposit machine 51. At this time, in addition to the deposit data of the subject, the account Other deposit data is also returned to the terminal side and held in the buffer 49. Then, first, the print head 34 prints data for the remaining lines of the accepted passbook p, and then the motor 14 is rotated in the passbook ejection direction, and the rear end of the passbook p is detected by the second passbook detector 12. At this point, the motor 14 is stopped and the presser roller 21 is moved to the second drive roller 2.
0 and reserve the passbook p in the first storage section 18. Next, when the motor 14 is rotated again in the passbook ejection direction and the clutch 45 is connected, the take-out roller 46 is rotated and a new passbook p is drawn from the second storage section 40 onto the first re-conveying path 4. When the leading edge of the passbook p is detected by the third passbook detector 13, the clutch 45 is disconnected and the next passbook p is detected.
At the same time, the first line of the bankbook p that has been taken out is set at the print position of the print head 34. Here, the remaining savings account data is read out from the buffer 49 again and printed. When this is completed, the passbook p is turned over to the expected deposit page using the passbook flipping device 9, and set again to the printing position.
The time deposit data is read out from the buffer 49 and printed. Next, the reserve deposit data is printed in the same manner.

When all the data to be printed has been printed, the motor 14 is rotated in the passbook ejection direction, and the magnetic stripe f is rewritten as a new passbook p is transported. The motor 14 is stopped when the passbook detector 12 detects this. As a result, the two old and new passbooks p, p are stacked in the first storage section 18. Next, the shutter 29 is opened and the two old and new bankbooks p, p are moved to the second drive roller 20 by the presser roller 21.
and discharge them from the first accommodating section 18 in an overlapping state. The motor 14 is kept rotating until a predetermined period of time has elapsed after the tips of the passbooks p and p are detected by the first passbook detector 11. As a result, the old and new passbooks p and p are returned to the user in a stacked state.
The shutter 29 is closed and the transaction ends.

Since the passbook supply unit 10 that dispenses passbooks p one by one is provided on the conveyance path 4 in this way, when a passbook p is updated, a new passbook p can be delivered without the intervention of an attendant.
can be reissued automatically, and update procedures for passbook P can be performed automatically.

Moreover, since the passbook supply unit 10 stores the passbook p with the predetermined page c half-open, it is possible not only to omit page turning at the time of first printing and shorten the processing time, but also to reduce the processing time. The passbook dispensing unit 10 can be made more compact compared to the case where the passbook dispensing unit 10 is accommodated in a completely open state.

In addition, when it is detected that a passbook p update occurs for a transaction in a specific account, in addition to the deposit data for that account, the deposit data for other accounts in that account is also sent to the terminal, and these data are sent to the terminal. Since the deposit data is printed separately for the passbook p received from outside and the built-in passbook p, even if the passbook p has multiple subjects, it can be automatically updated.

Also, when updating the passbook p accepted from outside,
The old passbook p received from the outside and the new passbook p stored in the built-in bankbook are collected in the holding unit 5 after prescribed processing, overlapped, and discharged to the outside, thereby preventing the user from forgetting to take one of the passbooks p. can do.

In this embodiment, the conveyance path 4 is connected to the input/outlet 3 that shares the entrance and exit of the bankbook p, and a storage section 5 is provided near the entrance/exit 3, so that the storage section 5 is connected to the storage section 5 when receiving and discharging the bankbook p. Although the present invention is not limited to this, for example, as shown in FIG. A holding section 5 may be provided between the section 59 and the discharge port 58 so that the passbook p passes through the holding section 5 only when being discharged.By configuring in this way, the same effect as in the above embodiment can be obtained. In addition, since the bankbook p does not pass through the holding section 5 during acceptance, the control of the holding section 5, for example, the control of pressing the presser roller 21 against the second drive roller 20 in the above embodiment, becomes easier.

As explained above, according to the present invention, there is provided a holding unit that temporarily holds passbooks that are being transported, and a passbook supply unit that supplies new built-in passbooks one by one to the processing unit, and When updating your passbook,
The old passbook received from the outside and the new built-in passbook are collected in a storage unit after prescribed processing, and are stacked and discharged to the outside, so not only can the passbook update procedure be performed automatically, but also the passbook update procedure can be done automatically. This has excellent effects such as being able to prevent users from forgetting to take out one of their passbooks.

[Brief explanation of drawings]

Figures 1 to 5 show an embodiment of the present invention, in which Figure 1 is a perspective view of a bankbook, Figure 2 is a vertical side view of the bankbook printing device, and Figure 3 is a vertical side view of the holding section. ,
FIG. 4 is a longitudinal sectional side view of the passbook dispensing unit, FIG. 5 is a schematic configuration diagram of the online deposit system, and FIG. 6 is a schematic configuration diagram showing another embodiment. p...Passbook, 1...Passbook processing device (printing device), 4
... Conveyance path, 5... Reservation section, 6... Processing section (magnetic stripe recording reading section), 7... Processing section (information detection section), 8
...processing section (printing section), 10...passbook supply section.

Claims (1)

[Claims] 1 A processing section is installed along the transport path of the passbook that communicates with the outside world, and the passbook is subjected to prescribed processing.In this case, there is a holding section that temporarily holds the passbook that is being transported, and a built-in storage section that stores one new passbook each. A passbook supply unit is provided to supply the above processing unit, and when updating a passbook accepted from outside, the old passbook accepted from the outside and the new built-in passbook are combined in the holding unit after prescribed processing and overlapped. A passbook processing device characterized in that it is configured to be discharged to the outside.