JPH0231423B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a passbook processing device that prints transaction details on a passbook.

Generally, a deposit system in a financial institution such as a bank includes a large-scale central system consisting of an electronic computer and a storage device that stores ledgers of all deposit accounts, and each of the central systems is connected to the central system via a communication line. It consists of multiple terminal devices, such as passbook handling devices, installed at each deposit counter in It is now possible to conduct transactions based on The introduction of such a deposit system has made possible transactions such as automatic salary transfers and automatic transfers of utility charges, but this has led to an increase in transactions that are not recorded in passbooks. For example, suppose a depositor brought their passbook with them to make a deposit.
Unrecorded data such as transfers or transfers from the previous day will be printed over many lines (so-called unrecorded data will occur).

However, while printing on the passbook, I printed on the last line of the last page of the passbook, and even though there were items to be printed, the passbook ran out of printing space, so I had to reissue a new passbook. Situations that should not have happened often occurred. By the way, when reissuing a passbook, it not only prints the data that could not be printed on the previous passbook, but also prints the balance printed on the last line of the last page of the previous passbook as the carryover amount from the previous passbook on the first line. You need to print the balance again. On the other hand, in conventional passbook handling devices, when a passbook is reissued, by specifying that the passbook is being reissued, the carryover amount is printed, or the carryover amount is processed without using a machine.

By the way, the above-mentioned passbook handling device was designed to serve as a clerk, but in recent years, currency transaction devices such as automatic deposit machines or automatic advance payment machines with a passbook handling function have been put into practical use. That is, the currency transaction device has a built-in printing device that automatically prints transaction details on the passbook brought by the user. These currency transaction devices are connected online to the center system, and users can freely conduct desired transactions (deposit payments, deposits, etc.) without the intervention of staff by using the personal identification cards provided to them. It's becoming like that. However, while printing on a passbook, if the passbook becomes full as described above, for example, if there are items to be printed on the last line of the last page of the passbook, it is necessary to update the passbook, that is, reissue a new passbook. However, in the past, it was not easy for users or staff to know this. This caused problems in transactions and made it impossible to conduct transactions smoothly.

The present invention has been made in view of the above circumstances, and its object is to provide a bankbook processing device that allows smooth transactions when the bankbook is full of prints.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a case where an embodiment of the present invention is implemented in, for example, an automated teller machine will be described with reference to the drawings.

Figure 1 shows the last page of the deposit passbook used in this automatic deposit dispensing device with the last page open.
A plurality of pages 3 are bound in a booklet form between the front cover 2 and the back cover 2, and a plurality of lines (for example, 17 lines) of a printing column 4 are printed on each printing surface of these pages 3.
In addition, a magnetic recording strip 5 is attached to a predetermined portion of the surface of the back cover 2 in the width direction thereof, and the magnetic recording strip 5 includes, for example, a designated number of lines to be printed in addition to the bank name code and account number. data is written magnetically. Note that 6 is the final page.

FIG. 2 schematically shows the entire automatic deposit dispensing device. On the front of the casing 11, there is a card insertion slot 12 into which a personal identification card is inserted, and when the bankbook shown in FIG. Passbook insertion slot 1
3. A display 14 for displaying the amount or operation guidance, and a withdrawal port 15 for dispensing banknotes are provided. Further, a stepped portion 11a is formed approximately at the center of the front surface of the housing 11 in the vertical direction, and a keyboard 16 for setting a password, amount, etc. is provided on this stepped portion 11a.
The housing 11 houses a dispensing mechanism, its control device (none of which is shown), and the like. These dispensing mechanisms and control devices inspect the correspondence between the data from the card inserted into the card insertion slot 12 and the manual data from the keyboard 16, and when the correspondence is predetermined, a predetermined Since this is a well-known technique for performing a cash payment operation, a detailed explanation thereof will be omitted.

Further, a printing device is housed in a portion of the housing 11 that corresponds to the passbook insertion slot 13. This printing device arbitrarily selects a passbook inserted through the passbook insertion slot 13 or a print medium prepared in advance, prints the transaction details, and returns or ejects it from the passbook insertion slot 13. It is configured as shown in Figure 3. That is, 21 is a passbook guide frame, which communicates with the passbook insertion slot 13 and horizontally guides the passbook P inserted from the passbook insertion slot 12 in an open state in the direction of the arrow shown in the figure.
When the passbook P is inserted into the guide frame 21, the tip of the passbook P is detected by the optical detector 22, and the solenoid 23 is activated to open the shutter 24 and the reversible motor 25 is activated. The conveyance path 26 is driven, and the conveyance path 2
6 holds and conveys the passbook P to take it in. magnetic head 2
7 reads predetermined data from or writes predetermined data from the magnetic recording strip 5 attached to the back cover 2 of the passbook P. As mentioned above, in addition to the bank name code and account number, data such as the designated number of lines to be printed is written on the magnetic recording band 5, and by reading the designated number of lines to be printed, the stop position of the passbook P can be determined. is now being determined.

Therefore, the passbook P conveyed on the conveyance path 26 is
A platen roller 3 driven by a pulse motor 29
When the tip of the passbook P is located at a predetermined position and detected by the optical detector 32, the magnetic head 2
The motor 29 is driven by a specified number of pulses determined by the print designation line read in step 7 and then stopped. As a result, the bankbook P stops at the next line of the already printed line corresponding to the printing position.
Reference numeral 33 denotes a wire dot type printing head, and this printing head 33 has a supporting base 34 that is slidably driven along a rod 38 by a pulse motor 35, a wire 36, and a pulley 37, so that the printing head 33 can be used to print a bankbook P or a bankbook as described later. It is designed to print on the single slip S. Note that 39 is an ink ribbon, and 40 is an ink ribbon cassette.

On the other hand, a collection box 41 is provided at a lower portion in front of the platen roller 30, and this collection box 4
A large number of print media, such as slips S, are stacked in an upright position. The collection box 41 is slidable in the front and back direction along the guide shaft 42, and is always urged toward the front by a spring 43. Therefore, when printing on the ticket S, the solenoid 44 is energized and the take-out prevention plate 45 is pulled against the repulsive force of the spring 46, so that the ticket S is driven by the motor 29. It is pressed against the take-out rollers 47, 47. Then, as the motor 29 rotates in the opposite direction to the direction in which the passbook is taken in, the take-out rollers 47, 47 rotate in the take-out direction, and due to friction with the ticket S, the single ticket S is removed.
A sheet is taken out. When a detector (not shown) detects that one sheet has been taken out, the solenoid 44 is deenergized, and the removal prevention plate 45 is activated by the spring 4.
It returns to its original position by the repulsive force of 6, presses the front end of the cut sheet S, and prevents the second and subsequent sheets from being taken out.
The taken out ticket S is conveyed while being held between a roller 48 and a pinch roller 49 driven by the motor 29, and when its tip is located at a predetermined position and detected by the detector 32, a specified The motor 29 is driven by the pulse and then stopped. As a result, the leading end of the ticket S is stopped in correspondence with the printing position.

After the printing of the passbook P or slip S is completed, the motors 25 and 29 are rotated in the opposite direction to the direction in which the passbook was taken in, so that the passbook P is inserted into its insertion slot 1.
3, and the ticket S is discharged into the insertion slot 13.

FIG. 4 schematically shows the configuration of a deposit system according to the present invention, in which a plurality of currency transaction devices, such as an automatic deposit payment device 51 and an automatic deposit device 5, are shown.
2, etc. are connected to the center system 5 via modems 53, 53, . . . and communication lines 54, 54, .
Connected online to 5. The center system 55 is comprised of a collective modem 56, an input/output control section 57, a central processing section 58, an internal storage section 59, an arithmetic section 60, an external storage section (ledger file) 61, and the like.

Next, the operation in the above configuration will be explained. First, the user inserts his or her card into slot 1.
2, predetermined data (PIN number, account number, etc.) magnetically recorded on the inserted card is retrieved by a card reading/writing device (not shown). Next, the user sets his/her own PIN number on the keyboard 16, which is checked against the PIN number read from the card. If the two PIN numbers match, the user advances to the next step, and the display 14 shows, for example, "Please insert your passbook. If you have forgotten, please press the forget passbook button."
is displayed. If you forget your passbook, by pressing the passbook forget key provided in the keyboard 16, the slip S is set at the print position as described above, and the transaction details are issued in the form of a slip. On the other hand, if the user brings a bankbook, the user inserts the bankbook P into the insertion slot 13 with a predetermined page open, and as described above, it is taken into the printing device and set at the printing position. When the above operation is completed, the display 14 displays, for example, "Please press the amount." Therefore, when the user sets a desired amount using the keyboard 16, the dispensing mechanism operates, and banknotes corresponding to the set amount are dispensed to the dispensing port 15. At this time, the card is also returned to its insertion slot 12.

Further, when an amount is set on the keyboard 16, that amount is transmitted to the center system 55 together with the read account number. The transmitted data is temporarily stored in the internal storage unit 59, and the ledger file data for the account number is stored in the external storage unit 61.
Read from. Here, it is assumed that the read data at that time is, for example, as shown in FIG. 5A, and there are a total of four unrecorded notebook data from text 1 to text 4. Therefore, the center system 55 first transmits the unrecorded data one by one. The automatic deposit disbursing device 51 operates the printing device each time it receives one piece of unrecorded data.
Print a line, start a new line, and wait. By the way, passbook P
For example, if the designated print line read from the magnetic recording strip 5 is the 15th line, then the print column 4 of the bankbook P
As mentioned above, there are 17 lines, so if there are three appendices, the printing space on the page will be full. Therefore, when the printing device receives the third unrecorded notebook data (Text 3) and finishes printing it, it determines that there is no more printing space on that page and inserts the passbook P into its insertion slot 13. return. Also,
At this time, the display 14 displays to the user that it is necessary to update the bankbook. That is, for example, the display 14 may display a message that says, ``Please open a new page for your passbook and insert it again.If there are no remaining pages, request a new passbook at the counter and insert it, or if that is not possible, press the single-sheet request button. Please press.” is displayed.
Here, the user receives the returned passbook, and if there are any remaining pages, open a new page and insert it again; if there are no remaining pages, the user requests a new passbook at the counter and inserts it. During this time, the payment device 51 returns a transmission impossible signal "NACK" to the center system 55, but when the passbook P is reinserted, it returns a transmission possible signal "ACK-A", and the center system receives this. 55 transmits the remaining unrecorded data (text 4), and the printing device prints this as the first line of the new page of the reinserted passbook P or the inserted new passbook P.
Print on the first line of the first page.

On the other hand, if the user is unable to request a new passbook from the bank clerk due to non-business hours, the user can use the keyboard 16
Press the ticket request button provided inside. This results in
The solenoid 44 is energized, and as described above, one sheet S is taken out and set at the printing position. Here, the payment device 51 returns the transmittable signal "ACK-B" to the center system 55 in the same manner as described above, and the center system 55 receiving this signal starts transmitting again. By the way, the transmittable signal is "ACK-A".
There are two types of codes: "ACK-B" and "ACK-B", each of which specifies the printing format.
"ACK-A" indicates bankbook printing, and "ACK-B" indicates ticket printing. The reason why the print formats of the passbook P and the ticket S are different is that the passbook P includes blank notes and the center system 55
This is because, while the unrecorded data in the form is printed, the unrecorded data is not included in the ticket S, and only the details of the cash withdrawal are printed. The center system 55, which received the transmittable signal "ACK-B", determines that the ticket S is set in the printing device of the payment device 51, and the remaining unrecorded ticket data (text 4) is The calculation unit 60 directly calculates data related to the current transaction and sends predetermined data to the payment device 51 without transmitting the data.
Send to. Thereby, the printing device prints the previous balance, payment amount, latest balance, etc. related to the current transaction on the ticket S. The center system 55 has now completed the transmission, and the ledger file in the external storage unit 61 is
Other unrecorded data (texts 1 to 3) are output, leaving the unrecorded data (text 4), and the latest balance and final bankbook balance are updated to make the data in Figure 5 A the same. It will look like Figure B. The ticket S with the transaction details printed thereon is ejected to the bankbook insertion slot 13 as described above, and is received by the user.

In this way, if there is no more printing space on any page during printing, it will be detected, the passbook will be returned to the user, and a message will be displayed to the user that they need to update their passbook. be. This allows the user to easily know this, and if there are any remaining pages, the user can change the page and reinsert the passbook, or if there are no remaining pages, the user can request a new passbook from the counter. This allows transactions to be carried out smoothly without any hindrance to transactions.

In the above embodiment, the need to update the passbook is displayed only to the user, but it may also be displayed to the staff at the same time on a monitor (not shown), or it may be displayed to the user at the same time. Alternatively, the information may be displayed only to the staff member, as described above. In these cases, only when there are no remaining pages and it is necessary to issue a new passbook, the display 14 may display a message such as "Please wait for a while as the staff will arrive." In this way, the clerk can quickly learn that a new passbook needs to be issued, and can deliver the passbook to the device.

Further, in the above embodiment, the case where the present invention is applied to an automatic deposit dispensing device has been described, but the present invention is not limited to this and may be implemented, for example, to an automatic deposit dispensing device. This implementation is optional as long as it is a book processing device that does.

In addition, the present invention is not limited to the embodiments described above, and it goes without saying that various modifications can be made without departing from the gist of the present invention.

As explained above, according to the present invention, when the passbook is full of prints, the passbook is returned and at least either the user or the staff member is notified of the need to update the passbook, and other prints are performed using the operating means. When a medium is requested, printing is performed on a print medium other than the passbook stored in the print medium storage part, so that transactions can be smoothly performed without interruption when the passbook is full of prints.

[Brief explanation of drawings]

The drawings show one embodiment of the present invention, and FIG. 1 is a view showing the bankbook in an open state, FIG. 2 is a perspective view schematically showing the entire automatic deposit dispensing device, and FIG.
The figure is a perspective view schematically showing the configuration of the printing device.
The figure is a block diagram schematically showing the structure of the deposit system, and FIGS. 5A and 5B are diagrams showing an example of the structure of a ledger file in an external storage section in the center system. P...Passbook, S...Print medium, 3...Page, 4...
...Print column, 6...Last page, 13...Passbook insertion slot,
51... Automatic deposit payment device, 52... Automatic deposit device, 55... Center system.

Claims (1)

[Claims] 1. In a device that prints transaction details on a passbook, there is a means to detect when printing space is running out when printing a passbook, and when this means detects that there is no printing space left, the passbook must be removed by the user or at least one staff member. A means for notifying one of them of the need to update the passbook; a print medium storage section for accommodating a print medium other than the above-mentioned passbook; and a means for requesting the other print medium after being notified by the above-mentioned notification means. A passbook processing device comprising: an operating means; and a printing means that prints on the passbook and also prints on another print medium when the other print medium is requested by the operation means.