JPH0257787B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention is used, for example, in a currency transaction device,
The present invention relates to a passbook handling device having a printing device that prints transaction details on a passbook.

Generally, a deposit system in a financial institution such as a bank consists of a large-scale central system consisting of an electronic computer and a storage device that stores ledgers of all deposit accounts, and multiple systems connected to this central system via communication lines. It consists of terminal devices such as currency transaction devices such as automatic deposit machines and automatic cash dispensing machines installed at each store, and the storage device of the center system can be accessed online and in real time from any of the devices. Now you can always trade based on the latest data. The introduction of such a deposit system has made it possible to conduct transactions such as automatic salary transfers and automatic utility bill transfers, but this has led to an increase in transactions that are not recorded in passbooks.
For example, if a depositor brings their passbook with them to make a deposit, unrecorded data such as transfers and transfers before the transaction will be printed over many lines on the passbook's printing strokes, so-called unrecorded additions. will occur. Therefore, the amount of printing on passbooks increases, and the number of reissuing new passbooks also tends to increase significantly.

However, passbook handling devices used in currency transaction devices such as automatic deposit machines and automatic cash dispensing machines in such deposit systems have conventionally been used to automatically print transaction details on passbooks brought by users. The device has a built-in device, but if the passbook printout becomes full during a transaction, that is, while printing a passbook, that is, if there are items to be printed on the last line of the last page of the passbook, the device will notify the user. The user then receives a new passbook that has been reissued by the staff at the deposit counter, and then returns to the device and operates it again, which is a very troublesome procedure. It was something that would be done. However, this type of device is unique in that it allows desired transactions to be carried out freely and automatically without the intervention of staff, and can be used outside of business hours, or at railway stations or department stores. It is also sometimes installed. In this way, in a usage environment where there is no staff in the vicinity of the device, it is impossible to reissue the new passbook mentioned above, and these restrictions limit the introduction of this type of device and prevent its widespread use. It was a hindrance.

The present invention has been made in view of the above circumstances, and its purpose is to automatically issue a new passbook without the intervention of an attendant when the passbook becomes full during printing. To provide a passbook transaction device that can automatically perform carryover printing on a new passbook that has been issued, and can perform unmanned processing when the passbook is full of prints.

DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings, for example, when it is applied to an automatic teller machine.

1 and 2 show a bankbook according to the present invention, in which a plurality of pages 3 are bound in a booklet form between a front cover 1 and a back cover 2.
A plurality of lines (for example, 17 lines) of printing fields 4 are printed on each printing surface. A magnetic recording strip 5 is attached to a predetermined portion of the surface of the back cover 2, and data such as a bank name code, account number, and designated number of lines to be printed are magnetically written on the magnetic recording strip 5. be included. On the left side of the lower end of the final page 6, for example, a rectangular specific mark 7 is printed in black. This specific mark 7 indicates that the printed surface is the last page, and is not printed on other pages.

FIG. 3 schematically shows the entire automated teller machine according to the present invention, in which a card insertion slot 12 for inserting a personal identification card is provided on the front surface of the casing 11, as shown in FIGS. 1 and 2 described above. A passbook insertion slot 13 into which a passbook is inserted while it is open; a passbook issuing slot 14 where a new passbook is reissued; a display 15 that displays the amount or various operating instructions; and a withdrawal slot 16 from which banknotes are dispensed. etc. are provided for each.
Further, a stepped portion 11a is formed approximately at the vertical center of the front surface of the casing 11, and a keyboard 17 for setting a password, amount, etc. is provided on this stepped portion 11a. The housing 11 houses a dispensing mechanism, its control unit (none of which is shown), and the like. These dispensing mechanisms and control units inspect the correspondence between the data from the card inserted into the card insertion slot 12 and the manual data from the keyboard 17, and when the correspondence is predetermined, a predetermined It performs a cash payment operation, and since this is already a well-known technique, detailed explanation thereof will be omitted.

Further, a printing device 18 as shown in FIG. 4, for example, is housed in a portion of the housing 11 that corresponds to the passbook insertion slot 13. This printing device 18 prints transaction details on a passbook inserted through the passbook insertion slot 13 or a single mark prepared in advance, and returns or ejects it from the passbook insertion slot 13. It is configured as shown in .
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 13 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 2
3 operates and the shutter 24 is opened, and
The reversible motor 25 operates to drive the conveyance path 26, and the conveyance path 26 grips and conveys the passbook P to take it in there. The magnetic head 27 reads 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. Further, the detector 28 is adapted to optically detect the presence of a specific mark 7 printed on the last page 6 of the passbook P.

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 tickets S are stacked in an upright position in the container 1. 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. When printing on the single sheet S, the solenoid 44 is energized, so that the take-out prevention plate 45
is pulled against the repulsive force of the spring 46, so that the cut sheet S is pressed against the take-out rollers 47, 47 driven by the motor 29. 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 one ticket S is taken out by rubbing against the ticket S. When a detector (not shown) detects that one sheet has been taken out, the solenoid 44 is deenergized, and the take-out prevention plate 45 returns to its original position due to the repulsive force of the spring 46. By pressing the front end, taking out the second and subsequent sheets is prohibited. The taken out cut sheet S is transferred to the roller 4 driven by the motor 29.
8 and a pinch roller 49, and the tip thereof is located at a predetermined position, and the tip thereof is located at a predetermined position, and the tip thereof is placed in a predetermined position, and the
When detected, the motor 29 is driven by the specified pulse amount 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.

Further, a passbook issuing device 19 as shown in FIG. 5, for example, is housed in a portion of the housing 11 that corresponds to the passbook issuing port 14. This passbook issuing device 1
Reference numeral 9 is for automatically reissuing a new passbook when the passbook is full of prints and ejecting it to the passbook issuing port 14, and is constructed as shown below. That is, in the storage box 51, a plurality of unprinted new bankbooks P _N similar to those shown in FIGS. 1 and 2 are stored in a closed state with the cover 1 facing upward. . When a passbook issuance command is given, the plunger solenoid 52 is energized, and the push rod 54 is moved to the storage box 51 via the link 53.
Push out only one bankbook P _N at the bottom from the opening 51a provided at the bottom. Pushed out passbook P _N
A conveying roller 57 is driven via a belt 56 by a motor 55 that rotates in the direction of the arrow shown in the figure.
57, 57, the paper is conveyed toward the passbook issuing port 14, and is temporarily stopped on the printing table 58. Then, the account number, user name, etc. are printed on a predetermined area on the cover 1 by the printing head 59, and when the printing is finished, the motor 55 operates again, and the new passbook P _N is printed at the passbook issuing slot 1. It is now being discharged.

FIG. 6 schematically shows the configuration of a deposit system according to the present invention, in which a plurality of currency transaction devices, such as the above-mentioned automatic cash dispensing device 61 and automatic deposit device 62, are connected to modems 63, 63, . . . , respectively.
and communication lines 64, 64, . . . are connected online to a center system (central processing unit) 65. The center system 65 has a collective modem 6
6, an input/output control section 67, a central processing section 68, an internal storage section 69, an arithmetic section 70, an external storage section (ledger file) 71, etc.

Next, the operation in the above configuration will be explained. First, the user inserts his or her card into slot 1.
By inserting into 2. A card reader/writer (not shown) reads predetermined data (PIN number, account number, etc.) magnetically recorded on the inserted card. Next, the user sets his/her own PIN number on the keyboard 17, 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 15 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 17, 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 18 and set at the printing position. When the above operation is completed, the display 15 displays, for example, "Please press the amount." Therefore, when the user sets a desired amount using the keyboard 17, the dispensing mechanism operates, and banknotes corresponding to the set amount are dispensed to the dispensing port 16. At this time, the card is also returned to its insertion slot 12.

Further, when the amount is set on the keyboard 17, that amount is transmitted to the center system 65 together with the read account number. The transmitted data is temporarily stored in the internal storage unit 69, and the ledger file data for the account number is stored in the external storage unit 71.
Read from. Here, it is assumed that the read data at that time is, for example, as shown in FIG. 7A, and there are a total of four unrecorded data, text 1 to text 4. Therefore, the center system 65 first transmits unrecorded data one by one. The payment device 61 operates the printing device 18 every time it receives one piece of unrecorded data, thereby printing one line on the bankbook P, starting a new line, and then waiting. By the way, the print designation line read from the magnetic recording band 5 of the passbook P is, for example, 15.
If it is the line 4, the print column 4 of the passbook P has 17 lines as described above, so if there are three additional prints, the print space on the page will be full. Therefore, when the printing device 18 receives the third unrecorded data (text 3) and finishes printing it,
It is determined that there is no more printing space on the page, and the passbook P is conveyed in the direction of its insertion slot 13. During this conveyance, the detector 28 checks whether or not the specific mark 7 is present. If the presence of the specific mark 7 is not detected, the passbook P is returned to its insertion slot 13, and the display 15 displays, for example, "Passbook P". Please flip to a new page and reinsert." is displayed.
During this time, the payment device 61 returns a transmission impossible signal "NACK" to the center system 65, but when the passbook P is reinserted and set at the printing position, it returns a transmission possible signal "ACK-A". Upon receiving the data, the center system 65 transmits the remaining unrecorded data (text 4), and the printing device 18 prints this on the first line of the new page of the passbook P.

On the other hand, if the presence of the specific mark 7 is detected by the detector 28, it means that the passbook P is on its last page and is therefore full of prints, and the passbook P is returned to its insertion slot 13. Also, at this time, when the passbook is full of prints, a passbook issuing command is given to the passbook issuing device 19, so that the passbook issuing device 1
9 operates, and the account number and the corresponding user's name (in kana characters) that were previously sent from the center system 65 are printed on the cover 1 of the new passbook P _N , and the paper is ejected to the passbook issuing port 14. At this time, the display 15
For example, ``Please receive your new bankbook, open the first page, and insert it.'' is displayed. Therefore,
The user receives the new passbook P _N from the passbook issuing port 14,
Open the first page (first page) and insert it into the passbook insertion slot 13. During this time, the payment device 61 returns a transmission impossible signal "NACK" to the center system 65, but when the new passbook P _N is set in the printing position, it returns a transmission possible signal "ACK-B" and receives this. The center system 65 starts transmitting again.

By the way, there are two types of codes for the transmittable signal: "ACK-A" and "ACK-B", each of which specifies the printing format in the printing device 18, and "ACK-A" is a normal code. "ACK-B" indicates that the amount carried over from the previous passbook will be printed on the first line when a new passbook is reissued.

The center system 65 that receives the transmittable signal "ACK-B" determines that the new bankbook P _N has been set in the printing device 18 of the payment device 61, and transmits the remaining unrecorded data (text 4). The amount printed on the last line of the last page of the previous passbook is sent to the payment device 61 as the carryover amount. Thereby, the printing device 18 prints the carryover amount on the first line of the first page of the new bankbook P _N2 . Next, the remaining unrecorded data (text 4) is transmitted from the center system 65, and the printing device 18 that receives it prints it on the second line. The center system 65 has now completed the transmission, and the ledger file in the external storage unit 71 contains all unrecorded data (texts 1 to 4).
The latest balance and final booked balance are updated, resulting in the result as shown in Figure 7B. Meanwhile, the new passbook with the remaining unrecorded data printed
P _N is ejected into the insertion slot 13, and during this transportation, data such as the account number and the designated number of lines to be printed are written on the magnetic recording band 5 of the new passbook P _N by the magnetic head 27. The user then receives the new bankbook P _N from the bankbook insertion slot 13.

In this way, when the passbook printing becomes full during printing, it is automatically determined and the passbook issuing device 19
By activating the , it is possible to automatically reissue a new bankbook P _N with the account number and name printed on the cover 1 and the account number written on the magnetic recording band 5 without the intervention of an attendant. Therefore, unattended processing when the bankbook is full of printing can be performed automatically. Therefore, it is possible to meet the demand for this type of device to be installed outside a bank branch, or to be available inside the branch even outside of business hours.

In the above embodiment, a specific mark is printed in advance on the last page of the passbook, and it is determined whether or not it is the last page by checking whether or not the above specific mark is present on that page when printing the passbook. However, it is not limited to this, for example, by printing the page number on each page of the passbook without setting a specific mark, reading the page number and comparing it with the set value (last page number). , it may be determined whether the page is the last page or not. In addition, when the passbook printout is full, it is automatically determined that a new passbook is reissued by activating the passbook issuing device. If the space runs out, the passbook is returned once and the user confirms that there are no remaining pages (the passbook is fully printed), and the user inputs a passbook issuance request command to operate the passbook issuing device.
A new passbook may be reissued.

Furthermore, in the above embodiment, the account number, name, etc. were printed on the cover of the reissued new passbook, but this is not the only option. The reissuance procedure may be formally carried out by a staff member. In addition, although the account number was magnetically written on the magnetic recording band of the new passbook using the printing device, the present invention is not limited to this. For example, by providing the passbook issuing device with a magnetic head for writing, The account number may be written magnetically when the card is issued. Furthermore, although the case has been described in which the present invention is applied to a passbook handling device used in an automatic cash dispensing machine, the present invention is not limited to this, and may be applied to a passbook handling device used in an automatic deposit machine, for example.
In short, it can be applied to any passbook handling device that has a printing device that prints transaction details on a passbook.

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

As detailed above, according to the passbook handling device of the present invention, there is provided a discriminating means for discriminating whether or not a new passbook is required to be issued when printing on a passbook received from the passbook insertion slot; By providing a passbook issuing device that operates to issue a new passbook when it is determined that issuance is necessary, and a means for printing carryover printing information on the passbook issued by this passbook issuing device, it is possible to When the passbook printing becomes full, a new passbook can be automatically issued without the intervention of an attendant.Furthermore, the new passbook that has been issued can be automatically carried forward with printing, allowing unattended processing when the passbook printing is full. It becomes possible. Furthermore, since carryover printing can be performed automatically, it becomes easy to understand the progress of transactions transferred from the old bankbook to the new bankbook.

[Brief explanation of drawings]

The figures show one embodiment of the present invention, in which Fig. 1 is a perspective view of a bankbook, Fig. 2 is a view of the bankbook with its last page opened, and Fig. 3 is a view of an automatic cash dispensing device. FIG. 4 is a perspective view showing the configuration of the printing device, FIG. 5 is a side view showing the configuration of the passbook issuing device, and FIG. 6 is a block diagram schematically showing the configuration of the deposit system. 7 are diagrams showing an example of the configuration of a ledger file in an external storage section in a center system. P...Passbook, 3...Page, 4...Print column, 6...
Last page, 13... Passbook insertion slot, 14... Passbook issuing slot, 18... Printing device, 19... Passbook issuing device,
P _N ...New passbook.

Claims (1)

[Claims] 1. In a passbook handling device that has a printing device that prints transaction details on the passbook accepted through the passbook insertion slot,
A determining means for determining whether or not it is necessary to issue a new passbook when printing on a passbook received from the passbook insertion slot; 1. A passbook handling device comprising: a passbook issuing device; and means for printing carryover print information on a passbook issued by the passbook issuing device.