JPH027166A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To prevent the registration omission of the station number of a newly opened station, and to improve service to a user by recording information read by means of a reading means when output information does not exist in a transaction information memory means. CONSTITUTION:When a person in charge judges that registration is necessary for the newly opened station number and pushes a registration key, a main control part 81 displays a ten-key, the registration key, and a correction key on a display device. By pushing the ten-key, the person in charge respectively inputs necessary information, namely, the new station number, its inquiry telephone number, and the due date. Since the inputted information is displayed on the display device, the person in charge confirms input contents, and pushes the registration key or the correction key. When the main control part 81 judges that the correction key has been pushed, the necessary information is inputted again, and registered (recorded) on a station number table file 88. Thus, when the station number which does not exist in the station number table file is generated, by recording it on a transaction content file, the station can be newly registered.

Description

[Detailed Description of the Invention] [Objective of the Invention] (Industrial Application Field) The present invention is installed in a financial institution such as a bank, and automatically performs payment transactions for utilities such as telephone, electricity, water, and gas. The present invention relates to an automatic transaction device that operates on the market.

(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 pay cash, automatic teller machines that automatically accept cash using a magnetic passbook that stores account information, and automatic teller machines that combine both functions into one machine. Automated transaction devices such as these are rapidly developing as automation equipment for bank counters, and are being introduced at each bank to provide speedy services to users.

In addition, with the recent proliferation of economic activities, there has been an increase in transfer transactions such as loan repayments and tuition fee transfers using banks and other financial institutions. Transfer transactions have been developed and put into practical use, in which the received cash is transferred to another bank account, or a predetermined amount is transferred from one's own account to another bank account using a card transaction.

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, automatic transaction devices that can automatically perform payment transactions such as utility charges have been proposed as a solution to these drawbacks (for example, Japanese Patent Application No. 1986-7).
No. 949 and Japanese Patent Application No. 1983-7957). 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. A receipt will be issued upon completion.

By the way, there is a payment deadline (delivery deadline) for paying public utility charges. For example, in the case of telephone charges, there are six payment deadlines per month in order to decentralize counter operations, and these are distinguished by telephone number (area code).

Therefore, in the previously proposed automated teller machine described above, an information providing means called an area number table file is provided that records the payment deadline for each area number, and based on the user's telephone number read from the payment slip, The payment deadline is processed by indexing the payment deadline of the station number from the station number table file.

However, recently, the use of telephones has increased significantly, and new telephone offices and area numbers have been established. Therefore, it becomes necessary to newly register the station number in the station number table file.

In such cases, conventionally, a new station number was registered by distributing materials when a new station number was created, but with this method, registration of the station number could occur due to communication errors, etc. In that case, there was a problem in that payment transactions became impossible and the service to users deteriorated significantly.

(Problems to be Solved by the Invention) The present invention provides that, as described above, for example, when a new station number is created, with the method of distributing materials and registering a new station number, registration of the station number may be omitted due to communication errors, etc. This was done to solve the problem of a significant drop in service to users.For example, in telephone bill payment transactions,
The purpose of the present invention is to provide an automatic transaction device that eliminates the omission of registering area numbers for newly opened stations and improves services to users.

[Structure of the Invention] (Means for Solving the Problems) The automatic transaction device of the present invention includes a receiving means for receiving a recording medium on which information related to fee payment is recorded, and a receiving means for receiving a recording medium from which information related to fee payment is recorded. a reading means for reading and recognizing the information; a transaction information storage means for outputting information necessary for a payment transaction based on the information read by the reading means; and information output from the transaction information storage means and reading by the reading means. and information recording means for recording information read by the reading means when there is no output information in the transaction information storage means.

(Function) For example, when making a telephone bill payment transaction, if an area number (information necessary for the payment transaction to be output) that does not exist in the area number table file (transaction information storage means) occurs, that area number is recorded in the information recording means. By storing the station number, the staff can later output the station number from the information recording means and newly register it in the station number table file. This eliminates the need for area numbers that were left unregistered due to communication errors, leading to improved services for users.

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

FIG. 4 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. a transaction display 5 for displaying transactions such as deposits, payments, payments, etc., a transaction display 6 for displaying and guiding each transaction such as deposits, payments, payments, etc., a call button 7 for the user to call the staff, A coin input port 8 for depositing coins and a change discharge port 9 for discharging change coins to the user are provided. A horizontal surface 10 of the customer service operation section 2 is provided with a deposit slot 11 into which a large number of banknotes can be inserted and change for the bills can be received. ing.

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 CRT display device 14 having a transparent touch panel (touch sensor) overlaid on a display screen. Display device 1
4. Displays operating procedures and other information on the screen in the form of illustrations, text, or text to guide the user, and also allows users to respond to requests such as PIN, amount, account number, approval, confirmation, or cancellation of transactions based on the display. When a display part is pressed, the touch panel detects it and outputs a corresponding signal to the main and sub-parts, which will be described later, which is a so-called key operation. That is, as shown in FIG. 5, for example, the words "Please specify transaction" are displayed, as well as keys for instructing "Deposit, Payment, Inquiry, Payment". The contents and display change each time the machine operation or step status changes.

FIG. 9 shows, for example, a telephone bill payment slip P as a recording medium according to the present invention and the reading position thereof. Printed on the payment slip P are the period covered by the charge, the payment deadline, the user's name, the user's telephone number, the billed amount, the issuer code number, the make-up telephone number, and the like. In addition, the payment slip P can be divided into three parts, for example, a receipt P1 for the user (payer) and a notice P2 for the issuer.
, and a copy P3 from the receiving financial institution.

Here, the payment deadline differs depending on the area code of the user's telephone number, for example, so that payment timings are not concentrated. Please note that the payment deadline is only the month and day, without the year.

Further, the temporary telephone number is a temporary telephone number of the telephone office that manages the telephone used by the user, and is used when the user has doubts about the billed charges. Also,
For example, when a telephone bill is paid after the payment deadline,
There are cases where the phone has been suspended due to non-payment of charges. At this time, the financial institution to which the fee has been paid notifies the temporary phone number that the fee has been paid, thereby canceling the call suspension.

At a reading position A in the center of the payment slip P, information is printed to be read and processed by an optical reader 42, which will be described later. Therefore, this information is just a series of numbers, and general users do not need to decipher it. The information at reading position A includes, for example, the user's telephone number, billing date and billing amount. That is, the 6th to 14th digits (302222000) on the first line indicate the user's telephone number (03-222-2000). 1st row
The 5th to 18th digits (8802) are the billing date (February 1963)
It is recorded in the Western calendar.

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 (000
004000) both indicate the billed amount (4000). As for the billed amount, two pieces of the same information are recorded in this way to ensure that there is no misreading. The 19th digit (2) on the second line indicates a check digit for logically checking the validity of the read result of this line.

This makes it possible to double check the billed amount and improve reliability.

Further, at reading position B of the payment slip P, the user's name is printed in katakana. The optical reading device 42, which will be described later,
The image information at reading position B is read and input, but its recognition processing is not performed. In other words, the name information at the reading position B is used to record the input image information as it is in order to prove which payment slip was used rather than who made the payment.

Note that the payment slip P may be formed in various ways depending on the issuer, but the structure is generally similar to that 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 as the width of the passbook.

6 and 7 show a transaction medium processing device 20, which accepts the magnetic card, passbook, and payment slip P inserted into the transaction medium insertion slot 4 in FIG. It carries out processing, and has built-in receipts R for printing and issuing transaction records, and journal paper J for printing a series of transaction records and copying the embossments on magnetic cards.

This transaction medium processing device 20 is provided in the housing 1 at a location corresponding 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 transaction medium insertion port 4 is provided with a selection shutter 22. 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 P, the selection shutter 22 is opened to widen the opening of the transaction medium insertion slot 4. , when inserting a magnetic card, the transaction medium insertion slot 4 is closed.
The opening is designed to be narrower. 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, detectors 24 and 25 are provided that optically detect insertion or removal of a magnetic card, passbook, or payment slip P. A detector 26 is provided for magnetically detecting the presence or absence of a magnetic stripe. Detector 2
4.25 is a well-known device consisting of a light emitting element and a light receiving element, and the detector 26 is constituted by a magnetic head or the like.

The conveyance path 2 extends from the detectors 24 and 25 toward the rear of the main body 21.
7 is provided in a substantially horizontal state. The conveyance path 27 includes drive rollers 28 . ... These drive rollers 28.
Pinch rollers 29. ... and a guide bottom plate 30, etc., and is driven by a pulse motor via a belt (not shown). The transport path 27 is provided with side plates 31 and 32 at positions corresponding to the widths of the bankbook and payment slip P, and a movable side plate 33 is provided at a position from the side plate 31 corresponding to the width of the magnetic card.

As a result, the side plates 31 and 32 allow the passbook and payment slip P
The transport position of the magnetic card is regulated by the card transport path 34 formed by the side plate 31 and the movable side plate 33.

Note that 35 is a solenoid that drives the movable side plate 33, and 36 is a solenoid that drives the movable side plate 33.
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 moves to the bottom plate 3.
It is in a state where it is evacuated below 0 (when the passbook and payment slip P are transported). 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 2
7 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 transport path 27 has the same width as the width of the magnetic card. magnetic cards can be transported.

At the starting end of the conveyance path 27, a main shutter 37 is provided which opens and closes according to the detection results of the detectors 24 and 25, and 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 38 is energized to open the main shutter 37.

Behind the main shutter 37 is a magnetic card 39 for passbooks.
, a magnetic head 40 for a magnetic card are sequentially provided. The magnetic head 39 reads or records information on the magnetic stripe of the accepted bankbook. The magnetic card 40 is adapted to read or record information on the magnetic stripe of the accepted magnetic card. Pressing rollers 41, 41 are provided at opposing portions of each magnetic head 39, 40 to bring the corresponding magnetic stripes into contact with each other with a predetermined pressure.

In the middle of the conveyance path 27, there is an optical reader (reading means) 42 that reads the date column of the passbook to detect the presence or absence of printing, detects the presence or absence of page marks, and further reads the payment information on the payment slip P. It is provided. The optical reader 42 is
For example, it is composed of a CCD type image sensor 43, a lens 44 that reduces the 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. There is. The image sensor 43 is, for example, a self-scanning surface array formed by arranging a large number of solid-state image sensors on a plane. In addition, this optical reading device 42 stores in advance the characteristics of multiple types of payment slip formats (for example, the position and content of information to be read for each type of payment slip, the position where a receipt stamp should be printed, etc.), When the payment type is specified, the corresponding payment slip format is selected, and the payment slip P is created using its characteristics.
The payment information above can be read.

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 includes a passbook back-up plate 47 that pushes up the passbook, and performs an auto-turn page by rotating in the direction of arrow a in FIG. 7, and performs an auto-turn page in the opposite direction by rotating in the direction of the arrow It is composed of a turning roller 48.

A receipt issuing mechanism 49 for issuing a receipt R is provided below the turn page mechanism 46. For example, a certain pressure is applied to the receipt R by a pressing mechanism 50.
The sheets are taken out one by one by a take-out roller 51 and guided to a conveyance path 27.

A printing mechanism 52 is provided in front of the turn page mechanism 46 on the conveyance path 27 . The printing mechanism 52 prints predetermined information on the bankbook, journal paper J, receipt R1 payment slip P, and has a wire dot type print head 5.
3. A carriage 54 that moves the print head 53 in a direction perpendicular to the transport direction of the transport path 27;
4, a slide rod 55, a table 56 as a platen, and the like.

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 stand 57 is in a card standby state, the card position detector 62 detects that a magnetic card is placed;
It is designed to stop transporting magnetic cards. 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 above 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 wound onto a take-up shaft 64 via a stand 56 and an embossing portion 59.

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. The cutter device 65 is a so-called rotary cutter that cuts the payment slip P between it and the other fixed blade 68 by rotating a roller 67 having a gap 66 through which the payment slip P passes, for example. .

A collection warehouse 70 is provided at the end of the transport path 27 to collect the transported bankbook and payment slip P1 magnetic card via a first gate 69. 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 (to the position shown by the solid line in FIG. 7) by the excitation of the solenoid 71. .

When the first gate 69 is moving downward (when the solenoid 71 is not energized), the conveyance path 27 can be conveyed further to the back, and a second gate 72 is provided further behind the first gate 69. ing. The second gate 72 is driven by a solenoid 73, and the payment slip P being conveyed
are sorted and accumulated in the first accumulation section 74 or the second accumulation section 75.

On the other hand, inside the housing 1, as shown in FIG. A banknote dispensing section 82 dispenses banknotes of a specified amount to the deposit slot 11; a coin dispensing section accepts coins inserted into the coin slot 8 and dispenses coins of a specified amount to the change dispensing slot 9; 83, an attendant operation unit 84 for the attendant, a total memory 85 that stores cumulative information for each type regarding all transactions, and an image information file 86 that sequentially stores image information of the payment slip P read by the optical reader 42. , transaction details file (information recording means) 87 for recording transaction details, etc.
A station number table file (transaction information storage means) 88, a journal printer 89, a transmission control section 91 that controls data transmission between the main control section 81 and a host computer (center) not shown, and the like are provided. The main control unit 81 also includes the customer service operation unit 2, the transaction medium processing device 20,
and remote control 1-monitor section 9 for staff provided outside.
0 is connected.

The area number table file 88 is for indexing information on make-up phone numbers and fee payment deadlines related to telephone charges based on the user's phone number read by the optical reader 42. Information such as number and fee payment deadline 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 a supplementary function for information in that district. .

Next, the bankbook processing operation will be explained with reference to FIGS. 6 and 7. When accepting a passbook, the main control section 81 excites the solenoid 23 to open the selection shutter 22. At this time, the main control section 81 is energizing the solenoid 35, and the movable side plate 33 is retracted below the bottom plate 30 due to this excitation force. As a result, the conveyance path 27 is connected to the side plate 31.
, 32 is formed. 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 main control unit 81 activates the solenoid 38. is excited to open the main shutter 37. Then, the inserted passbook is moved to the drive roller 28.・Pinch roller 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 predetermined information is printed by the print head 53.

Next, the processing operation of the payment slip P will be explained with reference to FIGS. 6 and 7. When accepting the payment slip P, the main control unit 8
1 excites the solenoid 35 and opens the selection shutter 22. At this time, the main control section 81 is energizing the solenoid 35, and the movable side plate 33 is retracted below the bottom plate 30 due to this excitation force. As a result, the conveyance path 27 has a width defined by the side plates 31 and 32. 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 main control section 81 excites the solenoid 38 to close the main shutter. Open 37.

Then, the inserted payment slip P is transferred to the drive roller 28,
...and pinch roller 29. ... and taken into the transaction medium processing device 20. As a result, the captured payment slip P is conveyed to the optical reader 4.
2, the payment information is read. And the main control section 8
1 causes the display device 14 to display the result of recognizing only the information necessary for 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 materials are further transported and sorted and accumulated in a first accumulation section 74 and a second accumulation section 75. That is, the payment slip P that has already been received and has been printed is further conveyed, and cut by the cutter device 65 into three pieces: a receipt P I , a notice P 2 , and a copy P 3 . Divided receipt P1 and copy P3
is stored in the collection IiH 70 by the first gate 69. The notifications P2 are classified according to their issuers, and are stored in the first and second stacking sections 74 and 75 by the second gate 72. For example, the first accumulation section 74 stores payment slips for telephone charges, and the second accumulation section 75 stores other payment slips.

By categorizing and storing payment slips in this way, it is not necessary to classify them by issue or bereavement when organizing payment slips. Furthermore, since the payment slip P is divided into the receipt P1, notice P2, and copy P3 and stored, there is no need to divide the payment slip P when sorting, and the effort for sorting can be saved. moreover,
Since the notification P2 to be returned to the issuer is classified and accumulated,
It is possible to return the item as is to the publisher, and it is possible to simplify the sorting process.

Next, the magnetic card processing operation will be explained with reference to FIGS. 6 and 7. When accepting a magnetic card, the selection shutter 22 is in a closed state.

At this time, since the main control section 81 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 card transport path 34 having a width defined by the movable side plate 33 and the side plate 31. When a magnetic card is inserted into the transaction medium insertion slot 4 by the user, the insertion darkens only the detector 25 and is detected by detecting the magnetic stripe with the detector 26. energizes 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 main controller 81 rotates the rotary shaft 58 to rotate the embossing table 57 by 90 degrees around the rotary shaft 58, so that the magnetic card on the embossing table 57 enters the lower side of the journal paper J. Control as follows. The journal paper J is impregnated with pressure-sensitive coloring ink, and an embossing roller 60 moves the roller movement path 61 over the journal paper J above the magnetic card.
By moving along and applying pressure, the embossment of the magnetic card can be copied onto the journal paper J.

As described above, the magnetic card is accepted, the 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 ejected 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.

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. and,
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 copy P3 from the financial institution. First, the content printed on the receipt P1 to the user will be explained. Receipt P1 has the receipt date r63-0
Information "issued" indicating that 2-054 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 the receipt P1 of the payment slip P is
Once these are printed, they are collected in the collection warehouse 70. The reason why a separate ticket is issued as a receipt is that the receipt P1 is printed by the normal printing mechanism 52. For this reason,
It is possible for a malicious user to print "received" on the receipt P1 using a printing device that he or she owns, similar to the printed "received" printed by this device. It is conceivable that the receipt P1 printed in this way is separated from the payment slip P and a false application is made to the financial institution that the payment has been made. 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. Also, receipt P1 says “
"Issued" is printed to indicate that another receipt has been issued.

Next, the contents printed on the notice P2 to the issuer will be explained. The notification P2 includes the name and store name of the financial institution that accepted the payment (in this case, "X x Bank 00 Branch"), the date of receipt "r63-02-05", the information "receipt" indicating that the payment has been received, and the receipt amount "¥4,000" are printed. This notification P2 is returned to the issuer at a later date, and the ledger is updated at the issuer. The issuer centrally organizes the returned notifications P2 and uses another optical reader to read the part for mechanical processing (reading position A) printed in the center of the notifications P2. Ledger updates are automatically performed. Furthermore, this notification P2 is stored at the issuer. In the event that a trouble regarding payment occurs with the user at a later date, it will be handled in accordance with this stored notice P2.

At this time, it is now possible to immediately know when and which receiving institution accepted the item.

Next, the contents printed on the copy P3 at the financial institution will be explained. On copy P3, the receipt date “63-02-05J,
"Receipt" indicating that the transaction has been received, and the transaction serial number r.
053J 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. In other words, if a trouble occurs later between the user and the payment recipient (the issuer of the payment slip, in this case, all telecommunications and telephone billing stations), it will be possible to deal with the copy P3 and the transaction record, and the transaction will be processed. It becomes possible to clearly prove the content.

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

On the receipt R, the handling date r63-02-05, the dealer code r0456-0123J, and the transaction number (transaction serial number) r053J are printed. This makes it possible to find out which store, which machine was used, and which transaction occurred. "Telephone" is printed in the transaction column indicating the transaction type, indicating that the transaction is a payment for telephone charges. The transaction amount, which is the amount to be paid, is "¥4,000J," and the transaction cash, which is the amount that the user deposited in cash, is "¥100OOJ and change."
¥6000” is printed. Furthermore, the billing date is r63-
02J and payment deadline "o2-12" are printed according to the reading result of the optical reader 42.

In the recipient column, since the payment is for a telephone bill, the proper noun "Nippon Telegraph and Telephone Corporation", which is stored in advance in the main control unit 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 is automatically printed as the recipient name. The recipient can be identified immediately by looking at Receipt R (receipt).

In the client column, the client's name "Taro Yamada" and the client's telephone number r03-222-20004 are printed. The client's telephone number is printed according to the reading result of the optical reader 42. Further, as for the client's name, the image information (image image) itself obtained by the optical reading device 42 is printed. That is, rather than the result read and recognized by the optical reader 42, the image itself obtained from the reading position B of the payment slip P is transferred as the client's name.

As a result, the optical reading device 42 does not need to recognize the katakana characters used to print the client's name (and can be fully put into practical use with an inexpensive and small optical reading device. , If a problem occurs later due to the transfer of the image itself, check the client information transcribed on the receipt R with the client name column printed on the copy P3 of the payment slip P. By checking, 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, all telecommunications and telephone billing stations) will be explained.

As mentioned above, the payment is made by the financial institution, but
Ultimately, the issuer's ledger must be cleared for payments made by users. The following three types of input methods can be considered for this erasing.

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

At the issuer, the ledger is cleared 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 (image image) 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) needed to reconcile the ledger,
It includes the billing date, billing amount, etc. Therefore,
The ledger is erased by returning the recording medium on which the image information is stored and stored in the image information file 86 to the issuer. In this second method, the first
Compared to the method described above, it is not necessary to read the notice P2 again with an optical reader, and it is also unnecessary to return a large number of notices P2 to the issuer, and the erasure process can be easily performed and the process can be completed. The process from payment to redemption can be shortened, and service to users can be improved.

The third method is a transmission control section 9 connected to the main control section 81.
This is a method of transmitting image information to a host computer using 1. That is, the main controller 81 transmits the image information read by the optical reader 42 to the transmission controller 91.
to a host computer connected via a telephone line, etc.

When the host computer receives the image information, it performs processing for clearing, and the clearing of paid items from the ledger is immediately completed. In this third method, the above-mentioned first method. Compared to the second method, it is possible to apply payments in a short time after payment, and furthermore, since the automatic transaction device directly processes the application to the host computer, it eliminates human labor from the application process. It is possible to perform reliable and accurate clearing.

The first point explained above. Second. The third redemption method is selected by each issuer. In other words, whether the issuer's redemption system supports the conventional first method, or
Alternatively, the selection is made depending on whether input is possible using a recording medium on which image information is recorded, or whether it is possible to erase the ledger directly from the host computer. 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, the operation of a telephone charge payment transaction will be explained with reference to the flowchart shown in FIG. For example, right now, a user stands in front of this automated transaction device. At this time, as shown in FIG. 5, the display device 14 displays "Please specify transaction" and "
Selection keys for ``Deposit, Payment, Inquiry, and Payment'' are displayed. The user presses the part labeled "Payment" according to this guidance (Sl). As a result, the main control section 81
determines to proceed to the next processing step, and displays the display device 14.
``Please enter payment slip'' will be displayed. The user is
In accordance with this guide, the prepared payment slip P is inserted into the transaction medium insertion slot 4 (S2). Thereby, the main control unit 81 determines that the payment slip P has been inserted, and starts reading the payment slip P (S3).

That is, the inserted payment slip P is processed by the transaction medium processing device 20.
The payment information is read by the optical reading device 42 according to the pre-stored reading position of the payment slip P and the logic of the reading contents. At this time, the optical reading device 42 only recognizes the information at the reading position A (user's telephone number, billing date, billing amount), and cannot read the payment deadline or makeshift telephone number from the payment slip P. .

Therefore, in order to check the payment deadline and make-up telephone number, the main control unit 81 reads the user's telephone number from the reading position A (here, from the area code to the local code).
By searching the area number table file 88 based on the area number table file 88 (S4), it is determined whether the user's telephone number (area number) exists in the area number table file 88 (the same applies hereinafter).
S5).

As a result of this determination, if the user's telephone number exists in the area number table file 88, the main control unit 81 indexes the necessary information corresponding to the user's phone number from the area number table file 88, thereby determining the payment deadline and A temporary telephone number is determined (S6). That is, in this case, the main control unit 81 reads the user's telephone number "0" read from the reading position A.
3-222-2000J, by indexing the corresponding information on the make-up telephone number r03-234-1111J and the payment deadline (date only) "12th" from the area number table file 88, Phone number r
Decide on 03-234-1111J. Next, the payment deadline (day and day only) indexed from the area number table file 88 is displayed.
12th” and the billing date read from reading position A is “63rd 2nd.
The payment deadline "February 12th" is determined based on the month.

That is, in general, 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 the payment deadline is determined in conjunction with the billing date and month information. Therefore, by having each of the above-mentioned information as a table in the area number table file 88, the necessary information can be indexed from the area number table file 88 based on the user's telephone number read from the reading position A. This is to determine a temporary phone number.

After determining the payment deadline and make-up telephone number in this manner, the main control unit 81 displays the reading result of the payment slip P and the message "Please insert cash" on the display device 14 (S7).

The user follows this guide and inserts banknotes into the deposit slot 11 and coins into the coin slot 8 (S8). When banknotes and coins are inserted, the banknotes are accepted by the banknote dispensing unit 82, and the coins are accepted by the coin dispensing unit 83 (S9). When the acceptance of banknotes and coins is completed, the main control unit 81 displays on the display device 14 the message "Please confirm the deposited amount" and also displays the deposited amount, a cancellation key, and a confirmation key.

When the user presses the confirmation key according to this guidance (S10), the main control unit 81 displays on the display device 14, "The computer is currently processing. Please wait for a while."
is displayed, the transaction message is sent and received with the host computer (S11), the result is printed on the journal printer 89, and the transaction details are stored in the transaction content file 8.
At the same time, the image information of the payment slip P obtained from the image sensor 43 of the optical reader 42 is recorded in the image information file 86 together with the reading result of information necessary for payment (S12). Further, the main control unit 81 uses the printing mechanism 52 to print a receipt as shown in FIG. 10 on the payment slip P (813).

When the printing of the receipt on the payment slip P is completed, the main control unit 81 sends the payment slip P to the cutter device 65 to cut it into a receipt P1, a notice P2, and a copy P3, and the receipt P and copy P3 are The notification P2 is stored in the collection warehouse 70, and the notification P2 is stored in the first accumulation section 74 (S14). When the collection of the payment slip P is completed, the main control unit 81 issues a receipt using the receipt R (S15). That is, by operating the receipt issuing mechanism 49, one receipt R is taken out and sent to the printing position of the printing mechanism 52, and the transaction details as shown in FIG. 11 are printed on the receipt R using the printing mechanism 52. Then, the main control unit 81 displays "°Please receive the receipt" on the display device 14 and ejects the receipt R to the transaction medium insertion slot 4. The user receives the receipt R from the transaction medium insertion slot 4 according to this guide (S 1
6).

Next, the main control unit 81 determines whether there is change (S
17). When determining that there is change, the main control unit 81:
``Receive change'' is displayed on the display device 14 and the amount of change is displayed, the bill dispenser 82 is activated to discharge the change bill into the deposit slot 11, and the coin dispenser 83 is operated.
to release the change coins into the change outlet 8 (S
18). By discharging the change, the users receive the change from their respective receiving ports (S19), thereby completing the payment transaction process.

On the other hand, as a result of the determination in step S5, if the telephone number of the user does not exist in the area number table file 88, the main control unit 81 reads the content of the payment slip P read by the optical reader 42 (the telephone number of the user). number, etc.) and the date of that day are recorded in the transaction details file 87 (S20). Since the main control unit 81 cannot determine the payment deadline, the main control unit 81 discharges the accepted payment slip P to the transaction medium insertion slot 4 and returns it to the user, returning to the initial state (S21).

Next, the second section explains how staff register new station numbers, etc.
This will be explained with reference to the flowchart shown in the figure. By performing a predetermined operation at the end of the day's transactions and before turning off the power to this device, the main control unit 81 can update the information recorded in the transaction content file 87 (the information recorded in step S20). 531) and displays it on the display device 14 as shown in FIG. 3, as well as displaying the registration key, deletion key, and end key (S32). Here, the staff member determines whether the displayed telephone number needs to be registered. Furthermore, due to the nature of the station number table file 88,
There is no need to register station numbers outside of certain areas.

Now, when the clerk determines that registration is necessary and presses the registration key (S33), the main control unit 81 displays a numeric keypad, a registration key, and a correction key on the display device 14. Here, the clerk presses the numeric keypad to input the necessary information, that is, the new area number, the temporary telephone number, and the payment deadline (date and date only) (S36). This input information is displayed on the display device 14, so the staff member confirms the input content and presses the registration key or correction key (S37). Here, the main control unit 81 determines whether the correction key has been pressed. If so (338), return to step S36,
Enter the required information again.

When the main control unit 81 determines that the registration key has been pressed (339
), the necessary information input in step 836 is registered (recorded) in the station number table file 88 (540), and the process returns to step S32.

In order to delete the telephone number (area code) that has been registered in this way, or a telephone number that the staff deems unnecessary to register, the staff member presses the delete key and the display area of the corresponding telephone number (S34). The control unit 81 deletes (erases) the corresponding information in the transaction details file 87 (S4
1), return to step S32.

When the registration operation is completed in step S32 and the clerk presses the end key (S35), the main control unit 81 ends all processing.

In this way, when making a telephone bill payment transaction, if an area number that does not exist in the area number table file occurs, by recording that area number in the transaction details file, the staff member can later output the area number from the transaction details file. The station number can be newly registered in the station number table file. This results in
This eliminates the need for area numbers that were previously unregistered due to communication errors, leading to improved services for users.

In the above embodiment, when the main control unit determines that the user's telephone number does not exist in the area number table file, the contents of the payment slip read by the optical reader and the date of that day are recorded in the transaction details file. However, it is also possible to record it in the station number table file, or furthermore, it is also possible to provide a dedicated information recording means and record it there.

Further, in the above embodiment, the explanation has been given by taking a telephone bill payment transaction as an example, but the present invention can be similarly applied to a payment transaction of public utility charges such as electricity, water, gas, etc.

[Effects of the Invention] As described in detail above, according to the present invention, it is possible to provide an automatic transaction device that eliminates the failure to register the area number of a newly opened station in, for example, a telephone bill payment transaction and improves services to users.

[Brief explanation of the drawing]

The figures are for explaining one embodiment of the present invention, and FIG. 1 is a flowchart explaining the processing operation of a telephone bill payment transaction, and FIG. 2 is a flowchart explaining the operation of registering a new area number etc. by an attendant. FIG. 3 is a diagram showing an example of the display on the display device during the registration operation of a new area number, etc. FIG. 4 is a perspective view of the overall appearance of the automatic transaction device, FIG. Figures 6 and 7 are diagrams for explaining the configuration of the transaction medium processing device, Figure 8 is a block diagram for explaining the overall configuration, and Figure 9 is a telephone bill payment slip and its reading position. Diagram to explain,
Figure 10 is a diagram showing an example of printed receipt on a payment slip;
FIG. 11 is a diagram showing an example of printing on a receipt. P...Payment slip (recording medium) 2...Customer service operation department, 4
...Transaction media insertion slot, 11...Deposit port, 14...
CRT display device (display means, instruction input means), 20...
・Transaction medium processing device, 42... optical reader (reading means), 81... main control unit (control means, transaction means),
82...Banknote withdrawal department, 83...Coin withdrawal department, 8
7... Transaction details file (information recording means), 88...
- Station number table file (transaction information storage means). Applicant's representative Patent attorney Takehiko Suzue Diagram (a) Prisoner's diagram (b) Funeral diagram

Claims (2)

[Claims] (1) A receiving means for receiving a recording medium on which information related to fee payment is recorded; a reading means for reading and recognizing the information from the recording medium received by the receiving means; and based on the information read by the reading means. a transaction information storage means for outputting information necessary for a payment transaction; a transaction means for executing a payment transaction based on the information output from the transaction information storage means and information read by the reading means; An automatic transaction device comprising: information recording means for recording information read by the reading means when no output information exists. (2) an accepting means for accepting a recording medium on which information related to fee payment is recorded; a reading means for reading and recognizing the information from the recording medium accepted by the accepting means; and based on the information read by the reading means. a transaction information storage means for outputting information necessary for a payment transaction; a transaction means for executing a payment transaction based on the information output from the transaction information storage means and information read by the reading means; information recording means for recording the information read by the reading means when there is no output information; display means for reading and displaying the information recorded in the information recording means; An automatic transaction device comprising an instruction input means for instructing a transaction information storage means to store the transaction information.