JPH0293760A - Automatic transacting device - Google Patents

Abstract

PURPOSE:To decrease the number of receipts to the number of recording media by receiving the recording medium, executing the plural number of payment transaction, printing the result of the payment transaction to the plural recording media on one receipt and issuing the receipt. CONSTITUTION:A user inserts a prepared paying slip P to a transacting medium inserting port 4. The inserted paying slip P is taken-in by a transacting medium processing unit 86. Then, according to the theory of the reading position and reading contents for the paying slip P to be recorded in advance, paying information are read by an optical reading device 42. When the payment of cash is selected and the cash is inputted, an input amount and a demanded amount, etc., are displayed and the contents of the transaction are confirmed. In case of the transaction to receive the plural paying slips P, concerning the payment to remove the transaction, for which the receipt is already issued, the receipt to totally record the plural payment contents on a receipt R is issued by using a printing mechanism 52. Thus, one receipt can be issued for a plural number payments.

Description

[Detailed Description of the Invention] [Object of the Invention] (Field of Industrial Application) This invention is intended for use in financial institutions such as banks,
The present invention relates to an automatic transaction device that automatically performs payment transactions such as utility charges.

(Prior art) In recent years, a system has been developed that automatically pays the cash requested by the user by accepting a magnetic card with account information stored on it submitted by the user and communicating online with a host computer storing the deposit ledger. Automatic teller machines, automatic teller machines that automatically deposit cash by accepting magnetic cards or passbooks that store account information, and automatic cash deposit machines that combine both functions into one machine. Automated transaction devices such as machines are rapidly developing as automation equipment at 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. Devices that perform transfer transactions, such as transferring the received cash to another bank account or transferring a predetermined amount from one's own account to another bank account using a card transaction, have been developed and put into practical use.

However, this type of automated teller machine has the disadvantage that it cannot be used for payments of taxes or utility charges (from a financial institution's perspective, this is a collection service).

Recently, as a solution to these shortcomings, an automatic transaction device that can automatically perform payment transactions such as utility charges has been proposed (Japanese Patent Application No. 130664/1986).
(see publication). 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 this read information, and performs the payment transaction. At the end of the transaction, a receipt stamp is stamped on the accepted payment slip, and a piece of the receipt side is cut off and discharged.

However, with the above-mentioned automated teller machines, when a payment transaction is completed, a special receipt stamp is stamped on the receipt part of the payment slip. It has become. Therefore, the receipt issued (discharged) from the automated teller machine is a small piece of paper, and the size of the receipt varies depending on the type of payment transaction.

For this reason, these receipts are extremely inconvenient to handle and store.

In addition, automatic transaction devices that issue transaction statements as receipts in addition to receipts, which are part of payment slips, are easier to handle than receipts that are small pieces of paper. However, since one receipt is issued for each payment transaction, storage remains inconvenient.

(Problems to be Solved by the Invention) This invention solves the problem that if the receipt part of a payment slip is issued as a receipt, it is extremely inconvenient to handle and store the receipt. This automated transaction device was developed to solve the problem that even if a separate receipt was issued, it was inconvenient to store. The purpose is to provide

[Structure of the Invention] (Means for Solving the Problems) The automatic transaction device of the present invention includes an accepting means for accepting a recording medium on which information related to payment is recorded, and the recording medium accepted by the accepting means. a reading means for optically reading and recognizing the information from the reading means, a transaction means for executing a payment transaction based on the information read by the reading means, and a receipt issued by printing the transaction result of the transaction means. an issuing means, a manual means for specifying whether to issue one receipt for one transaction using the recording medium or one receipt for multiple transactions using the recording medium, and this input means. When it is specified that one receipt is to be issued for one transaction, the issuance means is controlled to print and issue the result of the payment transaction for one recording medium on one receipt; and control means for controlling the issuing means to print and issue the results of payment transactions for multiple recording media on one receipt when it is specified that one receipt is to be issued for multiple transactions. has been done.

When the input means specifies that one receipt is to be issued for multiple transactions, the transaction means is configured to issue a number of receipts that is less than the number of recording media on which the payment transaction has been made. .

(Operation) This invention accepts a plurality of recording media to execute multiple payment transactions, and issues one receipt for one transaction using a recording medium or It is possible to specify whether to issue one receipt for multiple transactions using media, and if it is specified that one receipt is to be issued for multiple transactions, payment transactions for multiple recording media can be issued depending on the issuing method. By printing and issuing the results for each receipt, the number of receipts is reduced relative to the number of media.

Furthermore, if it is specified that one receipt is to be issued for multiple transactions, the number of receipts for the number of recording media will be reduced by issuing fewer receipts than the number of recording media on which payment transactions were made. This is how it was done.

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

FIG. 5 shows an automatic transaction device 100 according to the present invention. That is, the customer service operation section 2 is installed on the front of the housing l.
is formed. On the vertical surface 3 of this customer service operation section 2,
Transaction media insertion slot for inserting payment slips (forms) as recording media, such as telephone bill payment slips, gas bill payment slips, water bill payment slips, etc., as well as receiving and receiving emitted statement slips and receipts. 4. It has a card insertion slot 5 into which a magnetic card is inserted that stores account information such as a PIN and account number, and a door 8a that can be opened and closed freely, and allows the user to insert or receive a large number of coins at once. A coin deposit/withdrawal port 8 is provided which serves both as an opening and a withdrawal port. The coin deposit/withdrawal port 8 is provided with a detector (not shown) for detecting insertion or withdrawal of coins.

A banknote deposit/withdrawal port 11 is provided on the horizontal surface 10 of the customer service operation unit 2, into which a large number of banknotes can be input at once, and where change can be received. A door 12 and a detector (not shown) for detecting insertion or removal of banknotes are provided.

Further, on the horizontal surface 10, a CR,T display device 14 is provided, in which a transparent touch panel (touch sensor) is placed over a color CRT display screen.

This CR7 display device 14 not only guides the user by displaying operating procedures and other information on the screen using illustrations, single characters, or words, but also displays the password, amount, account number, transaction information, etc. By pressing the display area corresponding to selection, confirmation, or cancellation, the touch panel is detected and a corresponding signal is output to the main control section, which will be described later. This is a so-called key operation. The CR7 display device 14 is configured to change the content and display each time the operation of the machine or the state of the step changes.

On the other hand, inside the housing 1, as shown in FIG. An internal monitor 84, a card unit 85, a transaction medium processing unit 86, a customer service unit 87 constituted by the CR7 display device 14, a voice guidance unit 88 for guiding the user's operations by voice, and the like are provided. Also connected to the main control unit 81 are a transmission control unit 89 that controls data transmission with a host computer (center) not shown, a main storage unit 90, and a remote monitor 91 for staff provided outside. has been done. Note that 92 is a power supply unit that supplies the power necessary to operate the device 100.

The main control section 81 controls each section according to the operation program of the main storage section 9'0.
This is to cause the automatic transaction device 100 to perform a predetermined transaction operation.

The banknote deposit/withdrawal unit 82 is the banknote deposit/withdrawal port 11
The banknotes inserted in bulk are accepted, the genuine banknotes are judged to be authentic, their denominations, whether they are damaged or not (discrimination), the genuine banknotes are counted, and the front and back of the banknotes are sorted.
10,000 yen regular notes, 1,000 yen regular notes, 5,000 yen regular notes, -10,000 yen notes and 1,000 yen notes,
(Damaged 5,000 yen notes and old notes) and store them.
The deposited banknotes are used as payment banknotes as they are, and a designated amount of banknotes is discharged as necessary, thereby discharging the banknotes at once from the banknote deposit/withdrawal port 11.

The coin depositing and dispensing unit 83 determines the authenticity and denomination of the coins inserted into the coin depositing and dispensing port 8 at once, counts and stores genuine coins, and also deposits coins for a specified amount as necessary. By discharging coins, the coins are paid out at once from the coin depositing and dispensing port 8.

The internal monitor 84 is used to notify the staff involved in the operation of the device 100 of the status of the device, and to manually give instructions regarding operations by the staff.

The card unit 85 receives a magnetic card inserted through the card insertion slot 5, and reads account information such as an account number from the magnetic stripe section on the card, and writes it to the card as necessary. It is something.

The transaction medium processing unit 86 reads, for example, information related to payment recorded in the payment slip received from the transaction medium insertion slot 4, prints it on the payment slip as necessary, and also has internally provided information. It is issued as a detailed statement or receipt by printing transaction records etc. on a slip (receipt).

The main storage unit 90 stores processing procedures (operation programs) related to the operation of the automatic transaction device 100, and also stores various information related to transactions, such as the dealer number and the device 10.
0-specific equipment number, base value for thickness determination, receipt number generation data, payment slip size, payment slip image data, etc., as well as transaction records and records of the operating status of the device 100. It is.

The remote monitor 91 is connected to the automatic transaction device 100 (main control section 81) as needed, and is capable of monitoring the status of the device 100 from a distance.

FIG. 7 shows a transaction medium processing unit 86, which accepts the payment slip inserted into the transaction medium insertion slot 4 in FIG. 5, performs predetermined processing on it, and records the transaction. It has a built-in receipt R for issuing receipts, statement slips, etc. by printing.

This transaction medium processing unit 86 is provided in the housing 1 at a location corresponding to the transaction medium insertion slot 4 . That is,
A transaction medium insertion port 4 is communicated with the front surface of the main body 21, and a shutter 22 that can be opened and closed is provided in the transaction medium insertion port 4. This shutter 22 is installed at a position where the user can visually see its opened/closed state, and when inserting a payment slip, it is opened to open the opening of the transaction medium insertion slot 4. ing. shutter 2
2 is configured to open and close by a solenoid (not shown), and this opening and closing operation is controlled by the output of a detector 23 and the like. Detector 2
3 is a well-known device consisting of a light emitting element and a light receiving element,
Insertion or removal of a payment slip is optically detected. The shutter 22 is configured so that it can be opened by transporting a payment slip or the like in the direction of the transaction medium insertion slot 4 even if the opening/closing operation is not performed normally.

A thickness measuring section 24 is provided near the transaction medium insertion opening 4, that is, inside the shutter 22.

This thickness measuring section 24 is 1. ! ! A post roller 24a and a pickup roller 2 that is movable according to the thickness of the payment slip, etc.
4b, and a thickness sensor (not shown) that reads the amount of displacement of the pickup roller 24b. The measurement result by the thickness measuring section 24, that is, the output of the thickness sensor, is stored in the main storage section 90 by the main control section 81, for example, among a plurality of determination reference values corresponding to the type of payment slip according to the payment transaction. By comparison with a reference value alternatively selected from the above, it is used to determine the payment slip and whether or not it is overlapped.

On the other hand, the conveyance path 27, which is provided in a substantially horizontal state from the transaction medium insertion slot 4 toward the rear of the main body 21, includes drive rollers, pinch rollers that roll into contact with these drive rollers, and a guide bottom plate (all of which are shown in the figure). (not shown)
It is configured to be driven by a drive motor 28 via a belt (not shown).

An optical reader 42 is provided in the middle of the conveyance path 27 to read payment information (information related to payment, etc.) on the payment slip. The optical reader 42 is, for example, a CC
It is composed of a D-shaped image sensor, a lens that reduces the information on the payment slip and forms an image on the light receiving surface of the image sensor, and a character recognition unit that recognizes information based on the output signal of the image sensor. 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.), and When the type of payment slip is specified, the corresponding payment slip format is selected, and its characteristics are used to read the payment information on the payment slip.

A receipt issuing mechanism 49 for issuing a receipt R is provided below the optical reading device 42. For example, the receipt R is processed by a suppression mechanism (backup mechanism) 49a, a take-out roller 49b, and an overlapping prevention mechanism 49c.
The sheets are taken out one by one and guided to the transport path 27 via the gate 50. The gate 50 is driven by a solenoid (not shown), for example, only when a receipt is issued, and even if it is not driven normally when issuing a receipt, the receipt issuing mechanism 49
, the receipt R itself can be opened.

A printing mechanism 52 is provided behind the optical reading device 42 on the conveyance path 27 . This printing mechanism 52 prints predetermined information on the receipt R and the payment slip.
It is composed of a carriage that moves in a direction perpendicular to the transport direction of the rad transport path 27, a slide rod that guides the carriage, and a stand serving as a platen.

Behind the printing mechanism 52 on the conveyance path 27, a payment slip holding section 57 is provided that waits for the conveyed payment slip. This payment slip holding section 57 is connected to the gate 5 from above the conveyance path 27.
The payment slip guided by the action of 8 is pinched and transported by the conveyance roller 57a and the pinch roller 57b which can be freely opened, and the payment slip is held by opening the pinch roller 57b. The gate 58 is driven by, for example, a solenoid (not shown), and prevents the payment slips being held in the payment slip holding section 57 from being inadvertently conveyed onto the conveyance path 27. When the payment slip is transported to the transport path 27 by the transport roller 57a and the pinch roller 57b, the payment slip itself can be opened. Therefore, when the payment slips held in the holding section 57 are returned to the conveyance path 27, the process is reliably carried out even if the gate 58 is not driven normally.

A collection warehouse 70 is provided at the end of the conveyance path 27 to collect forgotten payment slips and receipts R via a gate 69. This gate 69 is, for example, a solenoid (
(not shown), and at the time of recovery, the solenoid is energized to rotate to the position shown by the broken line in the figure.

When the gate 69 is moving upward (when the solenoid is not energized), the conveyance path 27 can be conveyed further to the back, and the gate 72.7 is further behind the gate 69.
3 is provided. These gates 72, 73 are driven by, for example, a solenoid (not shown), and are configured to classify and accumulate the paid-in slips being conveyed into the accumulating section 74, 75 or 76.

Here, the payment slip processing operation will be explained with reference to FIG. When accepting a payment slip, the main control unit 81 supplies the transaction medium processing unit 86 with various information corresponding to the designated payment slip, such as a reference value for thickness determination and data for identifying the payment slip. Ru. In this state, when an operation command is supplied from the main control section 81, the transaction medium processing unit 86 opens the shutter 22 and opens the transaction medium insertion slot 4. When the user inserts the payment slip into the transaction medium insertion slot 4, the insertion is detected by darkening the detector 23. Then, the inserted payment slip is held between the drive roller and the pinch roller and taken into the transaction medium processing unit 86.

As a result, the thickness of the received payment slip is measured by the thickness measurement unit 24 while being conveyed through the conveyance path 27, and the thickness is measured by the thickness measurement unit 24 to check whether it is the same as the payment slip designated for the transaction or whether there is only one payment slip. It is determined whether

The payment slip that has passed through the thickness determination section 24 is read with payment information (information related to payment, etc.) by an optical reading device 42 from a reading position according to the old style, and then recognized.

The payment slip read by the optical reader 42 is further conveyed by a drive roller and a pinch roller, and sent to the payment slip holding section 57 via a gate 58. The payment slip holding section 57 is pinched and conveyed by the conveyance roller 57a and the pinch roller 57b of the payment slip holding section 57.
It will be held within 7.

Thereafter, a payment transaction is performed based on the payment information read and recognized by the optical reading bag @42. When the above payment transaction is completed, the receipt issuing mechanism 4
The results of the above transaction and the like are printed on the receipt R taken out from 9 by the printing mechanism 52. The receipt created in this way is transferred to the transport path 2 by a drive roller and a pinch roller.
7 in the direction of the transaction medium insertion port 4, and is issued to the user from the transaction medium insertion port 4 via the thickness measuring section 24 and the shutter 22. If it is determined that overlapping or the like has occurred based on the measurement result of the thickness measuring section 24, the receipt is returned to the collection warehouse 70 after being printed with a message indicating "invalid" by the printing mechanism 52. Then, the printing mechanism 52 prints on the single receipt R taken out from the receipt issuing mechanism 49 again.

On the other hand, when the detector 23 detects that the receipt R issued from the transaction medium insertion slot 4 is removed, the shutter 22 of the transaction medium processing unit 86 is closed.

Further, when issuing a receipt, the payment slip held in the payment slip holding section 57 is passed through the gate 58 to the printing mechanism 5 by the action of the conveyance roller 57a and the pinch roller 57b.
2, where information such as information in place of a receipt stamp is printed. After this, the payment slip will be sent to the collection section 74.75 or 7.
It is accumulated in 6. That is, the received payment slips that have been printed are further conveyed, sorted by their issuer, and stored in the stacking section 74, 75 or 76. In this case, for example, payment slips for telephone charges are stored in the first accumulation section 74, payment slips for gas charges are stored in the second accumulation section 75, and payment slips for water charges are stored in the third accumulation section 76, respectively. By classifying and storing payment slips in this way, it becomes unnecessary to classify them into principal and interest when organizing payment slips. Therefore, it is possible to save time and effort for sorting, and it is also possible to simplify the sorting work, such as making it easier to return the payment slip to the issuer.

8 and 9 show a payment slip (bill) P as a recording medium according to the present invention. Figure 8 shows
For example, it shows a payment slip P for telephone charges. This telephone charge payment slip P has 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, etc. printed thereon. Also,
The payment slip P for telephone charges can be divided into three parts, for example, and consists of a receipt P1 to the user (payer), a notice P2 to the issuer, and a receipt P3 to be sent to the accepting financial institution. There is. The telephone bill 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 (insertable) as the width t of the transaction medium insertion slot 4.

FIG. 9 shows a payment slip for gas charges, for example. This gas bill payment slip includes the telephone bill payment slip P.
In much the same way as above, information such as the period covered by the charge, payment deadline, user's name, billed amount, customer number, and temporary phone number are printed on it. Also, the gas fee payment slip is, for example, 4
It can be divided into three parts: a receipt P1 to the user (payer), a notice P2 to the issuer, a receipt P3 from the accepting financial institution, and other P4. This gas fee payment slip cannot be inserted as it is because its width in the insertion direction indicated by the arrow in the figure is larger than the width t of the transaction medium insertion slot 4. However, after being divided between the receipt P3 at the accepting financial institution and the other P4, the width of one piece of the payment slip consisting of the notice P2 to the issuer and the receipt P3 at the accepting financial institution is The size is approximately the same as the width of the payment slip P in the insertion direction. Therefore, when paying gas charges, after the receipt P3 at the receiving financial institution is divided along the perforation between the other P4, only the notice P2 to the issuer and the copy P3 at the accepting financial institution are sent. is inserted into the transaction medium insertion slot 4 in the direction of the arrow shown in the figure as a gas fee payment slip P (P2+P3). As a result, it becomes possible to transact on a payment slip whose width dimension in the insertion direction is larger than the width t of the transaction medium insertion slot 4. In addition to utility charges such as utility bills and water charges, it will also be possible to pay local taxes and automobile taxes.

Further, FIGS. 8 and 9 show the reading positions on each payment slip P. At reading position A of the payment slip P, information for mechanical processing (information related to payment) is printed by reading it with an optical reader 42. Therefore, general users do not need to decipher it, just because the numbers are lined up.

The payment deadline is printed at reading positions B and F (F is only for the telephone bill payment slip P). The payment deadline varies depending on the area code of the user's telephone number, for example, so that payment deadlines are not concentrated at the same time.

The payment deadline is only the month and day, not the year.

At reading positions C and E (telephone bill payment slip P only), the telephone number of the appointment destination is printed. This contact telephone number is for making arrangements in case, for example, the user has doubts about the billed charges.

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

Here, for this reading position A, the optical reading device 42
The processing after reading is explained below. The reading position A is information (sequence of numbers) for performing mechanical processing. In other words, in the case of the telephone bill payment slip P shown in FIG.
The 14th digit (302222000) indicates the user's telephone number CO3-222-2000). 15th row of 1st line
The 18th digit (8802) indicates the year and month of request (2J, 1963), which 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.

1st to 9th digits and 10th to 18th digits (000
004000) both indicate the billed amount (4000). The 19th digit (2) on the second 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.

On the other hand, in the case of the gas fee payment slip P shown in Figure 9, the 1st to 14th digits (61983362092002) at reading position A are the customer number (
Tokoro 611 Ward No. 981 3362. page 92002). The 15th to 19th digits (70513) are the meter reading date (
May 13, 1987), and is recorded starting from the first digit of the year. The 21st to 28th digits (00011313) indicate the billed amount. The final digit, the 29th digit (9), indicates a check digit for logically checking the validity of the read result of this number sequence. As a result, even if a misreading occurs, it is possible to discover the misreading.

Further, if a misreading of the reading position A occurs, the number sequence read by the optical reading device 42 is displayed as image information on the CRT display device 14, and the user is prompted to input the number sequence. . This makes it possible to reliably check the reading results even if, for example, the reading position A is dirty with dust or has a crease, which causes the same misreading no matter how many times it is read. Become. For this reason, it is possible to prevent the device 100 from becoming unable to make transactions using the payment slip P and reducing the operating rate.

Therefore, even if the payment slip P cannot be read by the optical reader 42, it is possible to accurately perform a transaction using the automatic transaction device 100, which improves the operating rate and improves service to users. Improvements can be made.

Note that reading positions B, (C), D, and (E, F) are not for mechanical processing, so there is no check digit or the like, and it is not possible to logically check the validity of the reading results.

Therefore, for example, the same reading position is read twice and the two reading results are compared and verified to check the validity of the reading results.

In this case, it is also possible to check the validity of the read result by reading information recorded in two places with the same content and performing a matching check. As a result, even if the reading position is contaminated with dust or the like and the same error occurs no matter how many times the reading is performed, the reading result can be checked reliably.

As described above, two types of check methods are used, and if there is a reading error in verification using check digits, the information input by the user is reverified to enable payment transactions. This allows for highly reliable reading results and accurate transactions. Further, the checking method can be arbitrarily specified depending on the type of payment slip to be accepted.

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

In this case, the telephone bill payment slip P, as described above, consists of a receipt P1 to the user, a notice P2 to the issuer, and a copy P3 from the financial institution.

First, the receipt P to the user includes the receipt date r63-0.
Information "issued" indicating that 2-05J and another receipt have been issued is printed. In addition, notification letter P to the issuer
2, the name and store name of the financial institution that accepted the payment (in this case, "XX Bank ○Q Branch"), and the date of receipt r63-02
-05J, the information "Receipt" indicating that the item has been received and the amount received [¥40004] are printed. Then, in the copy P3 at the financial institution, the receipt date r63-02-05J,
Information “receipt” indicating that the receipt is simultaneous, and the transaction serial number r
053J is printed. The transaction serial number is information indicating the number of transactions performed on the automatic transaction device 100 on that day. Note that, in the same manner as described above, for example, each of the above information (received) is printed on the gas fee payment slip P for the notice P2 to the issuer.

This device 100 is designed to print and issue another ticket (cash register) R) as a receipt to the user, so once these are printed, the payment slip P is issued as a receipt to the user. Second. The third accumulation units 74, 75, and 76 sort and accumulate the documents by issuer. The reason for issuing a separate slip as a receipt is
The receipt information is printed on the payment slip P by a normal printing mechanism 52.

For this reason, a malicious user can use his or her own printing device to
It is possible to print "received" on the receipt 21 in a manner similar to the "received" printed by this device. One possibility is to separate the receipt P1 printed in this way from the payment slip P and make a false application to the financial institution that the payment has been made. Therefore, receipts are not available to general users.
By incorporating this into the device and issuing it as a receipt, it is possible to prevent the receipt from being used in a crime by issuing a receipt using a general printing device. Also,
The payment slip P is printed with "issued" to indicate that another receipt has already been issued. Note that the issuance of receipts based on 41 votes will be described later.

As shown in FIG. 10, the payment slip P with the printed G indicating received is returned to the issuer, and the ledger is updated at the issuer.Furthermore, this payment slip P is It is stored by the issuer.Therefore, in the event that there is a problem with the payment at a later date,
Processing is performed according to this stored payment slip P.

At this time, it becomes immediately clear when the item was accepted at this receiving institution.

On the other hand, the automated teller machine 100 records the transaction in a journal (not shown) or the like. As a result, if a trouble occurs between the user or the payment recipient (the issuer of the payment slip, in this case, all telecommunications and telephone charges), transaction records can be checked by comparing the receipt or payment slip P with the journal. This makes it possible to verify transactions and clearly prove the details of transactions.

As mentioned above, the receipt R stored in the unit 86 is issued as a receipt to the user. The receipt R is issued as a statement slip when a bankbook is not brought for transactions on another account, and is also used as a receipt for a payment transaction 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, the transaction number (transaction serial number) r053J, etc. are printed. This makes it easy to determine when and which store's machine was used for the 111th (51st) transaction.In addition, "Δ△telephone charge" is printed in the summary column indicating the transaction type, and the It shows that it is a fee payment.Furthermore, the payment amount [¥4000J], which is the amount to be paid, “Genkin treatment” indicating that the user made the deposit in cash, and the amount
The amount spent [¥4000J] and change ``¥0'' are printed.

In the client (user) column, the client name "Taro Yamada" ■ and the client's phone number "0
3-222-2000" or the like is printed.

The client's 71 story number is printed according to the reading result of the optical reader 42. Further, as the client name I, the image information 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 read image itself or the client's name is transferred. As a result, the optical reading device 42 does not need to recognize katakana characters or the like in which the client's name is printed, and an inexpensive and small optical reading device can be put to practical use. In addition, if a problem arises due to the transfer of the image itself, the client information transcribed on the receipt R and the user name column printed on the copy P3 of the payment slip P. By comparing and confirming the details, it becomes possible to prove that the payment transaction was indeed carried out using the payment slip.

Further, the receipt R is printed with a receipt number r77000351JH as identification information. This receipt number H is for preventing forgery of the receipt, and is printed on the main recording section. The receipt number generation data recorded in 90 is, for example, a sequence of numbers with a certain regularity generated from a random number table using the handling date, dealer code, etc. In other words, the person who receives the receipt is It is difficult to understand the meaning and regularity of the above receipt number H. Therefore, if someone who has obtained the receipt R by some means intends to forge the receipt using another printing device, Even if it is, since the correct receipt number cannot be added, it is possible to easily determine the authenticity of the receipt.

The receipt R is provided with a plurality of entry columns so that the details of a plurality of transactions can be written therein. Thereby, records of multiple transactions can be printed on one receipt R and this can be issued as a receipt. That is, as shown in FIG. 12, it is possible to make two or more payments in succession and issue the result as a single receipt. In this case, for example, "△△telephone charge" and "Lologus charge" are printed in the summary field indicating the transaction type, and the respective payment amounts are "¥4000J" and "¥11313", and these payment amounts are satisfied. Deposit amount: ¥16,000
J and change “¥687” are printed. In addition,
When performing the payment process continuously, the next payment process is automatically performed from the change without individually refunding the change.

As described above, by issuing a receipt separately from the receipt P1 of the payment slip P, it is possible to standardize the size of the receipts that are always issued. That is, a receipt P obtained by dividing the payment slip P for the telephone charge into three parts.

Because it is an extremely small piece of paper, it is easy to lose it, and the shape of telephone bill receipt P1 and gas bill receipt P are different, making it extremely inconvenient to handle and store. . By standardizing the size of receipts, storage and handling of receipts becomes convenient.

Furthermore, by performing successive payment transactions and issuing one receipt R as a receipt for multiple transactions, the number of receipts can be reduced (number of payment slips>number of receipts). As a result, on the user side, the next payment process is automatically performed from the change, which simplifies the previously complicated operation and reduces the number of receipts that must be kept. On the other hand, the receiving side does not have to pay stamp duty for each receipt that exceeds a predetermined amount, thereby reducing costs.

In addition, J shown in FIG. 11 and FIG. 12 is a hole for binding provided in order to further improve storage performance.

Next, the operation of a payment transaction in the above configuration will be explained with reference to the flowchart shown in FIG.

For example, a user is now standing in front of this automatic transaction device 100. At this time, the CRT display device 14 displays the image shown in FIG. 2(a).
As shown in the figure, the message ``Please specify the payment type and payment method'' and selection keys for ``telephone charges, gas charges, water charges'' and ``Card payment, cash payment'' are displayed. (
STI). Then, the user can follow this guide.
Press the displayed part of the selection key that you want to make a payment (
ST2). In other words, a user who wants to pay a telephone bill will pay the portion corresponding to the "telephone charge" display, and a user who wants to pay a gas bill will pay the portion corresponding to the "gas charge" display. A user who wishes to make a payment can select the payment transaction by touching the area corresponding to the display of "Water Charge". In addition, users who wish to conduct the transaction with cash will be
A user who wishes to use a card to touch the part corresponding to the display "Cash payment" can select the payment method by touching the part corresponding to the display "Cash payment" with his or her finger.

Thereby, the main control unit 81 determines the type of transaction and payment method selected by the user, and displays on the CRT display device 14 a screen prompting the user to insert a payment slip P according to the type of transaction (Sr1 ). Here, FIG. 2(b) is a screen prompting the user to insert a telephone charge payment slip P, which is displayed when a telephone charge payment transaction is selected. In addition, FIG. 2(c) is displayed when a gas fee payment transaction is selected.
This is a screen that prompts you to insert a payment slip P for gas charges.

In the case of the payment slip P for telephone charges, the width dimension in the insertion direction is smaller than the width t of the transaction medium insertion slot 4, so the payment slip P can be inserted into the transaction medium insertion slot 4 as it is. It is. However, in the case of a gas fee payment slip, its width in the insertion direction is larger than the width t of the transaction medium insertion slot 4, so the payment slip cannot be inserted into the transaction medium insertion slot 4 as it is. Therefore, insert the payment slip into transaction medium insertion slot 4.
By displaying a screen that prompts the user to divide the insertion into the size that can be inserted into the slot 4, it is possible to solve problems that are difficult to mechanize due to the width dimension in the insertion direction being larger than the width t of the insertion slot 4. Payment transactions such as water charges can be made using the automatic transaction device 100.

Further, on the screen prompting the insertion of the payment slip P, the insertion direction and the actual image of the payment slip (image image data of the actual payment slip) are displayed together with the text. This makes it possible to prevent mismatches between the specified transaction and the inserted payment slip, errors in the insertion direction, and errors in the splitting positions of the payment slip.

Once this guidance is followed, the user inserts the prepared payment slip P into the transaction medium insertion slot 4 (Sr4).

Then, the main control unit 81 determines that the payment slip P has been inserted, and reads payment information from the payment slip P (S T 5).

That is, the inserted payment slip P is taken into the transaction medium processing unit 86, and the optical reader 42 reads the payment information according to the pre-stored reading position and logic (format) of the read content of the payment slip P. be read. Note that the payment slip P after the payment information has been read is held in the payment slip holding section 57.

On the other hand, if it is determined that the payment slip P has been inserted, the display on the CR7 display device 14 is switched depending on the selection of "card payment" or "cash payment" in step ST2. In other words, in the case of card payment, a screen prompting the user to insert the magnetic card into the card insertion slot 5 is displayed (5T6), and the reading of the payment information on the payment slip P and the reading of the magnetic information (account information) on the magnetic card are performed in parallel. (Sr1). Also,
In the case of cash payment, when the insertion of the payment slip P is detected, the door 8a of the coin deposit/withdrawal port 8 and the door 12 of the bill deposit/withdrawal port 11 are opened, and the coin deposit/withdrawal port 8 and the bill deposit/withdrawal port 1 are opened.
．． 1. Display a screen prompting you to insert coins and banknotes on 5T.
8) The reading of the payment slip P and the deposit processing are performed in parallel (Sr1). In this way, reading the payment slip P (S T
5) and reading the magnetic information on the magnetic card (Sr1) or depositing the money (Sr1) in parallel.
Efforts are being made to shorten transaction times.

Here, the case where cash payment is selected in step ST2 will be explained. In step ST5, if it is determined to insert the payment slip P into the transaction medium insertion slot 4, the CR7 display device 14 will display "Please insert cash".
(Sr1) and the door 8 of the coin deposit/withdrawal port 8.
a and the door 12 of the banknote deposit/withdrawal port 11 (Sr1
). In step ST9, if the main control unit 81 determines that banknotes and coins have been inserted, the banknotes are accepted by the banknote deposit/dispatch unit 82, and the coins are accepted by the coin deposit/dispatch unit 83.

When the reading of the payment information on the payment slip P and the acceptance of banknotes and coins are completed, as shown in FIG. 2(d),
The CR7 display device 14 simultaneously displays the reading results at each reading position of the payment slip P, the deposited amount, etc., and allows the user to confirm the details of the transaction (STIO). In this case, the message "Please confirm the details of the transaction" will be displayed, along with the amount deposited (deposited amount), the billed amount read from the payment slip P, and the requester's name, as well as the "Cancel" key, the "Complete" key, "Other payment slip" key to continue payment transactions using other payment slips P, after issuing the receipt for this transaction, the payment slip P
Display the "Issue receipt and other payment slip" key to continue payment transactions.

On the other hand, in step ST2, if card payment is selected, the message "Please insert your card" is displayed on the CR7 display device 14 depending on whether the payment slip P is inserted into the transaction medium insertion slot 4. (Sr1). Then, in step ST7, when the card is inserted into the card insertion slot 5, the card is accepted by the card unit 85 and the magnetic information is read. When the reading of the magnetic information of the card is completed, the main control unit 81 transmits and receives a transaction message to and from the host computer, and sends and receives the transaction message and the above-mentioned step S.
The result of reading the payment information of the payment slip P at T5,
Similarly to the above, the information is displayed on the CRT display device 14 to allow the user to confirm the details of the transaction (STIO). In this case, CRT
The screen of the display device 14 displays the message "Please confirm the details of the transaction", the deposit balance corresponding to the card account, and the payment slip P.
Invoice amount and client base read from ``Cancel'' key ``
"Complete" key "Other payment slip" key "Issue receipt,
The "Other Payment Slip" key will be displayed.

Following this guidance, the user presses the "other payment slip" key (STI 1), and when the main control unit 81 determines this, in the case of cash payment, the billed amount is subtracted from the deposited amount, and the In the case of payment, the payment transaction is performed by subtracting the invoiced amount from the deposit in the account (ST
12). When the transaction on the payment slip P is completed, the result of the transaction is printed in the journal, the transaction details are recorded in the main storage section 90, and the printing mechanism 52 is used to print the transaction result on the payment slip P as shown in FIG. After printing the receipt as shown by G, the payment slip P is stored in the stacking section 74, 75 or 76. In this case, for example, the payment slip P for electricity charges is stored in the collection section 74, and the payment slip P for gas charges is stored in the collection section 75.
Then, the water bill payment slip P is stored in the accumulation section 76.

When this payment transaction is completed, the main control unit 81
A display is made on the display device 14 to allow the user to select a transaction using another payment slip (S T 13). In this case, Fig. 2 (e
), the selection key for "telephone charges, gas charges, water charges" and the remaining balance from previous transactions are displayed.
The words "If the balance is insufficient, please add cash" and the selection key "Add cash, (do not add cash)" are displayed (ST13). Then, when the type of payment transaction is specified using the selection key (ST14), the processing from step ST3 onwards is repeated. In addition, in the first transaction, if the transaction total amount for multiple payment slips P has been deposited, there is no need to add cash (the "(Do not add cash)" key is selected), so step ST
6, 7 and step ST8.9 are no longer necessary and can be omitted. This simplifies user operations and reduces processing time.

On the other hand, according to the guidance in step STIO, the user presses the "Issue receipt and other payment slip" key (ST15), and if the main control unit 81 determines this, the payment will be made in the case of cash payment. A payment transaction is performed by subtracting the invoiced amount from the received amount, and in the case of card payment, subtracting the invoiced amount from the deposit in the account (S T 1
6). In this case, the transaction result is printed on the journal, the transaction details are recorded in the main storage section 90, and the transaction result is printed on the cash register 1-R using the printing machine fM 52 (ST17). 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. In this case, counterfeiting is prevented by attaching a receipt number I to the receipt R. The thickness measuring unit 24 confirms that there is only one receipt R with the transaction details printed on it. Then, the message "Please receive receipt" is displayed on the CRT display device 14, and the transaction medium is ejected to the user from the transaction medium insertion slot 4 (ST17).

In addition, when the issuance of the receipt is completed, the payment slip holding section 57
The printing mechanism 52 prints a receipt as shown by G in FIG. 10 on the payment slip P taken out.

The received and printed payment slip P is stored in the collection section 74, 75 or 76 at f! of the payment slip P. I! They are separated and stored by category.

When the payment transaction is completed in this way, the main control unit 81
A display is made on the RT display device 14 to allow the user to select a transaction using another payment slip (ST13).

Then, when the type of payment transaction is specified using the selection key (ST14), the processing from step ST3 onwards is repeated. However, if no additional cash is required, steps ST6, 7 and step ST8.
The deposit operation at step 9 is omitted.

In addition, the user presses the "Complete" key (ST18) in accordance with the guidance in step 5TIO above.
When the main control unit 81 determines this, the payment transaction is performed by subtracting the billed amount from the deposited amount in the case of cash payment, and subtracting the billed amount from the deposit in the account in the case of card payment (ST19 ). As a result of this payment transaction, in the case of cash payment, if there is change, the display device 14 will display "Please receive change" and the amount of change, and the bill deposit/withdrawal unit 82 will be activated to deposit and withdraw bills. Change bills are discharged into the cash slot 11, and the coin deposit/disburse unit 83 is activated to discharge change coins into the coin deposit/disburse port 8 (ST20). In addition, in the case of card payment, CRT
``Please accept the card'' is displayed on the display device 14, and the card is returned to the user through the card insertion slot 5 (ST20).

On the other hand, the transaction results are printed in a journal and the transaction details are recorded in the main memory section 90, and the printing machine fM 52
Print the transaction results on the receipt R using
1). In this case, if the transaction is based on only one payment slip,
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 cash register 1-R using the printing mechanism 52. issued to the user. In addition, in the case of a transaction in which multiple payment slips P have been received, all payments will be printed except for transactions for which receipts have already been issued by selecting [Issuing receipts] and selecting the Other payment slips J key. Mechanism 5
2 is used to issue a receipt R on which a plurality of payment details are collectively recorded as shown in FIG. 12. This makes it possible to issue the results of transactions for multiple payments as a single receipt, making it convenient to handle and store receipts. Further, in the case of these receipts R as well, the receipt number H prevents counterfeiting of the receipt.

In addition, when the issuance of the receipt is completed, the payment slip holding section 57
The printing mechanism 52 prints a receipt as shown by G in FIG. 10 on the payment slip P taken out.

The received and printed payment slips P are stored in the accumulation section 74, 75 or 76, sorted by type of payment slip P.

In this way, when the change or card is returned to the user and a receipt is issued, the processing of the payment transaction using the payment slip P is completed. At this time, the device 100 is in a state of waiting for the next user, and the main controller 81 controls the CRT display device 14.
The screen shown in FIG. 2(a) is displayed.

Furthermore, the user presses the "cancel" key in accordance with the guidance in step 5 TIO (ST22).
When the main control unit 81 determines this, the money remaining in the device 100 (deposited cash or change) is returned in the case of cash payment, and the card is returned in the case of card payment (S
T23). In other words, for cash payments, if there is no payment for which the transaction has already been completed, we will deposit the entire deposited amount, and if there is a payment for which the transaction has already been completed, we will deposit the invoiced amount for that amount. The amount of change subtracted from the amount paid will be returned to the user.

After the user has determined whether to receive cash or card, the payment slip P with the canceled transaction is returned to the user, and if there is a payment that has already been completed, the receipt A receipt with the transaction details printed for the unissued portion is issued (ST24).

When the cancellation of the payment transaction is instructed in this way, the money is first returned, and then the payment slip P is returned, and the process is completed. At this time, the apparatus 100 is in a state of waiting for the next user, and the main control section 81 displays the CRT display device 14 as shown in FIG. 2 (a).
) will be displayed.

FIG. 3 is a flowchart showing the processing involved in reading the payment information in step ST5. For example, suppose now that a payment slip P is inserted into the transaction medium insertion slot 4.

Then, the payment slip P is pinched and conveyed by a drive roller and a pinch roller (not shown) and is conveyed to the position of the optical reader 42 (ST31).Then, the optical reader 42 moves the payment slip P to the reading position. The payment information is optically read (ST32). Of the payment information read in this way, the information at reading position A is processed by the character recognition unit (
(not shown) to recognize each character (S
T33).

The result of this recognition is sent to the main control unit 81, and if it is determined that even one character cut out from the reading position A of the payment slip P cannot be recognized by the optical reading device 42, or if the optical reading device 42 If the check digit of the character at reading position A recognized by the device 42 is determined to be incorrect,
The main control unit 81 determines that the character at reading position A is unrecognized (ST34).

If the main control unit 81 determines that the characters only at the reading position A of the payment slip P read by the optical reader 42 are unrecognized, as shown in FIG. The information of A is displayed on the CRT display device 14 as image data, and the user is prompted to input correct payment information (sequence of numbers) by referring to this image data (ST35). Then, the user selects the number sequence [(3,39930222200
08802B, 0000040000000040
When 002J is input (ST36), by checking the check digit of this input number sequence,
A determination is made as to whether the reading is correct or incorrect (ST37). If the result is normal, the reading process ends with the information input by the user. In other words, if it is determined that there is an error in the read payment information as a result of verifying the payment information, the payment information read by the optical reader 42 is displayed as an image to the user, prompting the user to input it, and further prompting the user. By re-verifying the input, reading errors are eliminated and transactions are prevented from being disabled by the device 100.

Therefore, even if the payment slip P has creases or dirt, for example, and can be normally recognized by humans but cannot be read accurately by a machine, the device 100 Device 1 without being disabled
00 payment transaction can be executed accurately.

On the other hand, if normality cannot be determined using the information input by the user, for example, if there is an error in the input or if some of the numbers are crushed and it is difficult for humans to identify, the main control unit 81 It is determined that transactions using payment slip P are not possible. If it is determined that the transaction is impossible, the main control unit 81 returns the accepted cash (change) to the user, if there is any, in the same way as the process when canceling the transaction, and after this return is confirmed, , ejects the accepted payment slip P to the transaction medium insertion slot 4 and returns it to the user, and issues a receipt if necessary.

In this way, if it is determined that the transaction is impossible after accepting the payment slip P and cash, or if the transaction is instructed to be canceled, the payment slip P is returned to the user after the cash is returned. ing. Also, when accepting cash,
After the payment slip is inserted, an instruction to insert cash is given. That is, by ensuring that the payment slip P is present in the device 100 when cash is present in the device 100, it is possible to reliably prevent forgetting to take out cash whose owner cannot be identified.

As mentioned above, in addition to accepting multiple payment slips and executing multiple payment transactions, the user can either issue one receipt for one transaction or issue one receipt for multiple transactions. If you specify whether to issue one receipt for multiple transactions, the results of payment transactions for multiple payment slips will be printed and issued on one receipt. By doing so, the number of receipts relative to the number of payment slips is reduced.

Furthermore, if it is specified that one receipt is to be issued for multiple transactions, the number of receipts for the number of payment slips will be reduced by issuing fewer receipts than the number of payment slips on which the payment transaction was made. That's what I do.

In other words, if multiple payment slips are accepted and multiple payment transactions are executed, and the user's operation specifies that one receipt be issued for multiple transactions, the built-in receipt will be The transaction results for the plurality of transactions are printed and issued as a receipt.

This makes it possible to standardize the size of issued receipts, and also allows for the issue of one or fewer receipts than the number of payment slips for multiple payment slips. It becomes possible to reduce the number of receipts compared to the number of receipts.

Therefore, it is possible to issue a receipt that is extremely easy to handle and convenient for the user to store.

Note that this 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 invention.

[Effects of the Invention] As described in detail above, according to the present invention, it is possible to provide an automatic transaction device that can issue receipts that are convenient for users to handle and store.

[Brief explanation of the drawing]

The drawings are for explaining one embodiment of the present invention, and FIG. 1 is a flowchart shown to explain the processing operation of a payment transaction using a payment slip, and FIG. 2 shows an example of display on a CRT display device. 3 is a flowchart shown to explain the operation of reading payment information by an optical reader, and FIG. 4 is a diagram showing an example of display on a CRT display device when prompting a user to input payment information. Figure 5 is a perspective view of the overall appearance of the device, Figure 6 is a block diagram for explaining the overall configuration, Figure 7 is a diagram for explaining the configuration of the transaction medium processing unit, and Figure 8 is a telephone FIG. 9 is a diagram showing an example of the configuration of a gas fee payment slip, FIG. 1O is a diagram showing an example of a receipt printed on the payment slip, Figure 12 shows the receipt (
Figure 11 shows the result of one payment transaction or one non-note printed on it, and Figure 12 shows the result of multiple payment transactions printed on it. It is a figure showing a receipt. P...Payment slip (recording medium) R...Receipt (receipt) 4...Transaction medium insertion slot, 8...Coin deposit/withdrawal port, 11...Banknote deposit/withdrawal port, 14...CRT Display device, 42...Four optical reading devices (reading means)...Receipt issuing mechanism, 52...Printing mechanism, 81...Main control unit (control means), 82...Banknote deposit/withdrawal unit , 83
. . . Coin deposit/withdrawal unit, 86 . . . Transaction medium processing unit. (a) Applicant's agent Patent attorney Takehiko Suzue (b) (C) Figure 2 (d) Figure 2

Claims (2)

[Claims] (1) A receiving means for receiving a recording medium on which information related to payment is recorded; a reading means for optically reading and recognizing the information from the recording medium received by the receiving means; and information read by the reading means. a transaction means for executing a payment transaction based on the transaction means; an issuing means for issuing a receipt by printing the transaction result of the transaction means; and an issuing means for issuing one receipt for one transaction using the recording medium; an input means for specifying whether to issue one receipt for multiple transactions using the recording medium; Control is performed so that the results of payment transactions for multiple recording media are printed and issued on one receipt, and the input means is used to print and issue one receipt for multiple transactions.
If it is specified that multiple receipts will be issued, the issuing means will issue one receipt for multiple recording media.
1. An automatic transaction device comprising a control means for controlling printing and issuing of one receipt. (2) A receiving means for accepting a recording medium on which information related to payment is recorded; a reading means for optically reading and recognizing the information from the recording medium received by the receiving means; and information read by the reading means. a transaction means for executing a payment transaction based on the transaction means; an issuing means for issuing a receipt by printing the transaction result of the transaction means; and an issuing means for issuing one receipt for one transaction using the recording medium; an input means for specifying whether to issue one receipt for multiple transactions using the recording medium; and if the input means specifies that one receipt is to be issued for multiple transactions, the input means specifies whether to issue one receipt for multiple transactions; An automatic transaction device comprising a control means for controlling the number of receipts to be issued that is smaller than the number of recording media on which a transaction has been made.