JPH04340161A - Automatic transaction machine - Google Patents

Abstract

PURPOSE:To enable a customer to easily execute transfer operation and to easily issue a receipt by the automatic transaction machine. CONSTITUTION:A transfer card or the like of a fixed size provided with a magnetic stripe is inserted by a customer and received and information necessary for a transfer transaction is read out from the magnetic stripe 41 or the like formed on the transfer card of the fixed size and displayed on a display 5. After checking the contents of the information, the customer inserts coins necessary for the transfer transaction. Then the number of inserted coins is counted, and after completing the counting, the counted amount, amount necessary for the transfer transaction and balance amount are displayed on the display 5. Then an address written in the transfer card of the fixed size is read out by an image sensor, the read address is printed out on a receipt for the transfer transaction to issue the receipt to the customer, and when there is change required, the change is ejected.

Description

[Detailed description of the invention]

0001

[Industrial Application Field] The present invention is installed in financial institutions, etc., and allows customers to access account files at the center through their own operations, and automatically perform transactions such as deposits and withdrawals, bankbook entries, transfers, and transfers. This relates to an automatic transaction device that can perform

0002

[Prior Art] Conventionally, automatic transaction devices installed in financial institutions are capable of not only simple deposits and withdrawals, but also complex transactions such as deposits and deposits, entry of unrecorded transactions into passbooks, transfers, and transfers. It has become so. Recently, public fees (electricity, gas, telephone, water, etc.) and local governments,
Products that can even handle payments to the national treasury are beginning to appear.

[0003] However, it is said that the processing at counters that handle foreign exchange, public utility charges, taxes, etc. is the most difficult to rationalize because of the wide variety of tasks handled and the large number of types of forms handled. Despite these difficulties, several financial institutions have been using automated equipment to process utility bill transfers for several years. These automated devices generally use conventional utility bill forms as they are. For this reason, we have OCR (optical character reading) functions, barcode reading functions, image reading functions, functions for handling various types of forms, functions for printing on forms, functions for cutting parts of forms and issuing them as receipts to customers, It requires many functions such as storing and organizing transaction completion forms. For this reason, a form processing device had to be prepared separately from the main body of the so-called automated teller machine (ATM).

0004

[Problems to be Solved by the Invention] However, the above-mentioned conventional technology has the following problems. In other words, since it has many functions and can perform complex processing, the equipment is not only larger and more expensive, but also requires the user to make difficult decisions when handling forms and handling abnormalities. Become. In other words, even though the device is fully functional, it is difficult for users to use the device. Therefore, in financial institutions, etc., it is difficult to increase the usage rate of transfers using automatic transaction devices. Furthermore, for financial institutions that provide equipment, it is possible to automate counter reception processing and receipt issuing processing to customers, but it is also possible to automate processing for sorting various forms, aggregation processing, etc.
It has not been possible to streamline back-office tasks such as processing to write off claims from the list of claimants and notifying the financial institutions that underwrite the preparation of the list of deposits. As a result, the effectiveness of the introduction has not improved.

[0005] The above problems can be summarized as follows (1)
~(5) It becomes as follows. (1) Equipment becomes larger, more complex, and more expensive. (2) There are thousands of types of forms, and it is difficult to handle all of these forms. However, if the number of forms is limited, it becomes difficult to use and the usage rate does not increase. (3) Although the weight of local government public funds collection transactions is large,
This is difficult to implement due to hardware and software specifications, as the types of forms handled differ depending on the branch of the financial institution. (4) Even if it could be realized, most of the application software development would be individualized, making it unprofitable. (5) There have been calls for unification of accounting forms, but no progress has been made. It also doesn't seem like it's going to move forward.

[0006] The present invention has been made with attention to the above points, and uses a medium in which a magnetic stripe is pasted on a postcard, which is a second class mail item, or a bar code on a conventional transfer form as a form for transfer transactions. The purpose of this is to provide an automatic transaction device that allows users to handle items that have been affixed to them, and to easily conduct transfer transactions using the information necessary for transfer transactions recorded on magnetic stripes, barcodes, etc. be. Furthermore, this form for transfer transactions can be handled by a passbook entry machine, without the need for a special form acceptance mechanism or a so-called character recognition device that reads and recognizes the characters printed on the form. It is an object of the present invention to provide an automatic transaction device that allows transfer transactions to be performed in an extremely simple manner.

[0007]

[Means for Solving the Problems] A first aspect of the automatic transaction device of the present invention is to accept a standard size transfer form with a magnetic stripe attached by inserting it by a customer, and to extract the magnetic stripe from the magnetic stripe of the standard size transfer form. The information necessary for the transfer transaction is read, the information is displayed on the display provided in the customer operation section of the device, the customer confirms the content of the information, and after inserting the currency necessary for the transfer transaction, the information is inserted. After counting the currency, the counted amount, the amount required for the transfer transaction, and the amount of change are displayed on the display, and after the customer confirms these amounts, the transfer transaction is processed. After the processing is completed, a receipt for the transfer transaction is printed and issued to the customer, and if there is change, the customer is given change.

[0008] A second invention of the automatic transaction device of the present invention is to accept a standard size transfer form with optically readable printed information attached by the customer by inserting it, and to read the printed information on the standard size transfer form. The information necessary for the transfer transaction is read from the device, the information is displayed on the display provided in the customer operation section of the device, the customer confirms the content of the information, and after inserting the currency necessary for the transfer transaction, After counting the coins, the counted amount, the amount required for the transfer transaction, and the amount of change are displayed on the display, and after the customer confirms these amounts, the transfer transaction is processed. After the transaction is completed, a receipt for the transfer transaction is printed and issued to the customer, and if there is change, the customer is given change.

[0009] A third aspect of the automatic transaction device of the present invention is to accept a fixed size transfer slip by insertion by a customer;
After the customer enters the information necessary for the transfer transaction and inserts the money necessary for the transfer transaction, the inserted money is counted, and after the counting of the said currency is completed, the counted amount and the necessary money for the transfer transaction are recorded. The amount and change amount are displayed on the display of the customer operation unit, and after the customer confirms these amounts, the transfer transaction is processed, and after the processing is completed, the addressee written on the standard size transfer form is displayed using an image sensor. This system is characterized in that the read address is printed directly on the receipt of the transfer transaction and issued to the customer, and when change is available, the change is handed out.

0010

[Operation] In the first invention of the automatic transaction device of the present invention, a standard size transfer slip with a magnetic stripe is inserted by the customer, and the information required for the transfer transaction is determined from the magnetic stripe of the fixed size transfer slip. Read information. This eliminates the need for customers to input information using a keyboard or the like, making transfer transactions easier. The information is then displayed on a display provided in the customer operation section of the device. The customer confirms the content of the information and inserts the necessary money for the transfer transaction. Thereafter, the inserted coins are counted, and after the counting of the coins is finished, the counted amount, the amount necessary for the transfer transaction, and the amount of change are displayed on the display. After the customer confirms these amounts, the transfer transaction is processed, and after the processing is completed, a receipt for the transfer transaction is printed and issued to the customer, and if there is change, the customer is given change.

[0011] In the second invention of the automatic transaction device of the present invention, a fixed size transfer form with optically readable printed information is accepted by the customer by insertion, and the fixed size transfer form is printed. Read the information necessary for transfer transactions from the information. This eliminates the need for customers to input information using a keyboard or the like, making transfer transactions easier. The information is then displayed on a display provided in the customer operation section of the device. The customer confirms the content of the information and inserts the necessary money for the transfer transaction. Thereafter, the inserted coins are counted, and after the counting of the coins is finished, the counted amount, the amount necessary for the transfer transaction, and the amount of change are displayed on the display. After the customer confirms these amounts, the transfer transaction is processed, and after the processing is completed, a receipt for the transfer transaction is printed and issued to the customer, and if there is change, the customer is given change.

[0012] In the third invention of the automatic transaction device of the present invention, a standard size transfer form is accepted by insertion by the customer, the customer inputs information necessary for the transfer transaction, and inserts the necessary money for the transfer transaction. do. In this case, the information may be entered by attaching a magnetic stripe to the transfer form and reading it as in the first invention, or by the customer himself using a keyboard, etc. . After that, the inserted coins are counted, and after the counting of the coins is finished, the counted amount, the amount required for the transfer transaction, and the amount of change are displayed on the display of the customer operation unit, and the customer confirms these amounts. After that, the transfer transaction will be processed. After the process is completed, the address written on the standard size transfer form is read by an image sensor, and the read address is printed directly on the transfer transaction receipt and issued to the customer.If there is change, Give the change. This facilitates the issuance of receipts.

[0013]

Embodiments Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 is a block diagram of an embodiment of an automatic transaction device of the present invention. The illustrated devices include a bankbook recording machine 1, a money depositing and dispensing machine 2, a receipt printer 3, and a customer operation section 4.
, a display 5, a main control section 6, an interface section 7, etc.

The bankbook entry machine 1 includes a magnetic head 12, a line sensor 13, and the like. This passbook entry machine 1 is originally intended for making entries in a passbook, but in the present invention it is used to read the magnetic stripe 41 and addressee 42 of a postcard 40. The passbook entry machine 1 is also used to read the transfer form shown in FIG. magnetic head 12
is used to read the magnetic stripe 41 attached to the postcard 40. The line sensor 13 is used to optically read the addressee 42 on the postcard 40. When reading the transfer form shown in FIG. 3, this line sensor 13 is replaced with an optical sensor 13' shown in FIGS. 8 and 9.

The money depositing and dispensing machine 2 is comprised of a banknote depositing and dispensing machine and a coin depositing and dispensing machine, and is where customers deposit and withdraw money in transfer transactions and the like. The receipt printer 3 is
This is a printer for issuing receipts for transfer transactions, etc. The customer operation unit 4 is an input unit for a customer to operate the automatic transaction device for transfer transactions and other transactions. This includes, for example, a touch panel provided on the display 5. The display 5 consists of a CRT or the like,
Displays transaction information, etc.

The main control section 6 performs overall control of each section. In the case of an online system, the main control unit 6 can communicate with the host computer 8 via the interface unit 7, and can transfer money by accessing customer account file information, transfer file information, etc. held by the host computer 8. In addition to transactions, you can perform various transactions such as deposit and withdrawal transactions, bankbook entries, and balance inquiries. In the case of an offline system, the main control unit 6 has customer account file information and transfer file information as components, and by periodically exchanging each information, transactions similar to those in the online system can be executed.

FIG. 2 is a diagram showing a bankbook inserted into a bankbook recording machine. As shown in the figure, the bankbook 50 includes a magnetic stripe 51, page marks 52, date printing 53, and the like. The magnetic stripe 51 is affixed to a part of the cover of the bankbook 50, records information such as a customer's account number, and is read by the magnetic head 12 of the bankbook recording machine 1 shown in FIG. The page mark 52 is a mark for identifying the page of the passbook, and is used by the line sensor 1 of the passbook recording machine 1 in FIG.
Read by 3. This page mark 52 is used to check the validity of transaction items and data to be printed.

Further, the date print 53 and other written portions are also read by the line sensor 13. This allows the number of printed lines to be detected. As can be seen from FIG. 2, the position of the magnetic stripe 51 on the passbook 50 corresponds to the position of the magnetic stripe 41 on the postcard 40 shown in FIG. The page mark 52 and date print 53 of the bankbook 50 are read in the following manner. The passbook 50 is connected to the line sensor 13 or the optical sensor 13'
When the passbook 50 is transported to the location, the leading end of the passbook 50 is first detected. Next, information on the entire area of the opened and inserted page from the leading edge to the trailing edge is captured and stored in the memory of the passbook entry control unit 25 shown in FIGS. 7 and 8.

[0019] Then, a predefined page mark 52
The data at the memory address corresponding to the printing area of is extracted and converted into numerical data (binary data) using judgment logic to determine the validity of the page. Next, similarly, the data of the memory address corresponding to the detection area of the date print 53 specified in advance is retrieved, and the printed line is determined by detecting whether the density is above or below the specified value for each line. It is used for information that determines which lines should be printed. In this way, the area of the passbook where printed lines are detected is generally the date column or the balance column.

FIG. 3 is a diagram showing an example of a transfer form. The transfer form 80 was originally created with the assumption that it could be read by the person making the transfer, that is, the client, and that a person would handle the paperwork. Client information 81 is printed in text. In recent years, for the purpose of machine processing, many transfer forms have been added with information such as barcodes that can be read by machines and converted into numerical data. The barcode data includes a transfer destination code 82a, a client code 82b, and a transfer item/amount code 82c as shown in the figure.

When reading these barcodes and client information, first, when the transfer form 80 is conveyed to the optical sensor 13' in the traveling direction (arrow direction) in the figure,
The leading edge of the transfer form 80 is detected. And transfer form 80
The information on the entire surface area of the passbook entry machine control unit 2 shown in FIG.
5 and store it in the memory. Then, the data at the memory address corresponding to the predefined barcode printing area is extracted, converted to numerical data using judgment logic, checked for validity, and sent to the main control unit 6, and transferred. Use as data to initiate a transaction.

[0022] Among the printed contents of the receipt issued after the transaction is completed, it is important to have information such as the client's address and name in the file of the host computer or automatic transaction device for all customers, depending on the type of transfer and the name of the client. There are limitations depending on the system configuration, etc. Generally, in the case of utility bills and tax payments, there are cases where customers who do not have transactions with the relevant financial institution come to the store and make the payment, and it is virtually impossible to prepare files for such customers in advance. For this reason, optical sensor 1
Of the information on the transfer form 80 read in step 3', the data at the memory address corresponding to client information 81 is extracted and stored.

FIG. 4 is a diagram showing a receipt for a transfer transaction. Further, FIG. 5 is a diagram showing another example of a receipt for a transfer transaction. The illustrated receipt 60 is printed by the receipt printer 3 shown in FIG. In the case of a transfer transaction by postcard, information 61 from the magnetic stripe data of the postcard 40 and image transfer print 62 from the postcard 40 are printed on the receipt 60.

That is, the address of the receipt is read as image information by the passbook entry machine 1 from the address section of the postcard 40. This image information is edited into digital data and transferred to the memory of the control section of the receipt printer 3. Thereafter, it is transferred to the address printed portion of the receipt 60 as image data. By doing so, the addressee on the receipt 60 can be easily printed. There are two methods for transfer transactions using forms. One method is to write the address 62' (address and name of the person making the transfer) on the receipt 60' as
This is a method of searching and outputting a file on a host computer or automatic transaction device from a client code. Another method is to output and print image information of the client information 81 stored in the memory of the passbook entry control unit 25.

In the case of image printing, the image information of the client information 81 stored in the memory of the passbook recording machine control section 25 is transferred to the control section of the receipt printer 3 via the main control section 6, and Printing is performed using a print head 29 shown in FIG. The contents of the transfer details 63 are output and printed based on the received message from the host computer 8 or the processing result of the main control unit 6. In the above embodiment, a transfer form with a barcode printed thereon has been described, but it goes without saying that other optical means such as optical character recognition can also be used.

FIG. 6 is an external view of the apparatus according to the present invention. As shown in the figure, each predetermined location of the automatic transaction device includes a display 5, a passbook insertion outlet 11, and a receipt outlet 3.
1. A banknote deposit/withdrawal port 71, a coin deposit/withdrawal port 72, a card insertion/discharge port 73, and an erroneously inserted foreign object return port 74 are provided. Further, while the automatic transaction device is in operation, a handling business display 75 and a transaction-in-progress display 76 are displayed.

FIG. 7 is a diagram showing the detailed configuration of the passbook recording machine according to the present invention. The passbook insertion/ejection port 11 is where a customer inserts and ejects a passbook. magnetic head 1
2 is for reading the magnetic stripe 51 or 41 of the bankbook 50 or postcard 40 and recording new data on the magnetic stripe 51 or 41 of the bankbook 50 or postcard 40. The line sensor 13 reads the page mark 52 printed on the inner paper of the bankbook 50, detects printed lines, and reads the address 42 of the postcard 40. That is, the line sensor 13 can read the information printed on the postcard 40 as image information and store it in the memory of the control unit 25 of the bankbook recording machine 1 as digital information.

The print head 14 prints transaction information on the bankbook 40. The turn page unit 15 is for automatically turning the pages of the bankbook 40. Passbook import box 1
Reference numeral 6 denotes a box for pulling in and storing the passbook 50 discharged into the passbook insertion/output port 11 when the customer forgets to take the passbook 50 therein. The passbook temporary holding unit 17 is a part for holding an old passbook until a new passbook is issued when a passbook is carried over. The passbook hangar 18 is a hangar for storing a plurality of newly issued passbooks. This bankbook storage 18 is provided with a feeding mechanism that feeds out bankbooks one by one.

The postcard collection box 19 is a box for storing and holding postcards for which transfer transactions have been completed. Switching valve 20-2
3, when running the bankbook 50 or the postcard 40, the running path 2
This is for selecting and switching between 4. The passbook recording machine control unit 25 controls each part of the passbook recording machine 1, and is connected to the main control unit 6 shown in FIG. 1 through a line within the device to transmit and receive data.

FIG. 8 is a diagram showing the detailed configuration of another passbook recording machine according to the present invention. The illustrated passbook entry machine 1' is constructed by replacing the line sensor 13 of the passbook entry machine 1 of FIG. 7 with an optical sensor 1.
3'. The optical sensor 13' is
Along with reading passbook 50 and postcard 40, transfer form 80
reading the barcode printed on the computer, the client's address,
It reads the name as an image. In addition to the postcard 40, a transfer form 80 is stored in the storage box 19'. The other configurations are the same as those of the passbook recording machine 1 shown in FIG. 7 described above, so corresponding parts are denoted by the same reference numerals and redundant explanation will be omitted.

FIG. 9 is a diagram showing details of the optical sensor 13'. As shown in the figure, the medium 95 inserted from the insertion/ejection port of the automatic transaction device travels on the travel path 24 with the rollers 9
6a to 96d. Light sources 90a, 90b
consists of a fluorescent lamp or the like, and illuminates the surface of the medium 95. The light sources 90a and 90b illuminate the entire surface of the medium in the width direction in a direction perpendicular to the running direction. This irradiation light
The printed information on the medium 95 is read by detecting the reflected light.

The transparent glass 91 prevents the medium 95 from moving up and down as it travels, and keeps the distance between the medium 95 and the CCD sensor 94 constant. Reflection mirror 92 is for changing the direction of reflected light from medium 95. Reduction lens 9
3, the image of the medium 95 is reduced and imaged on the CCD sensor 94. That is, the light generated from the light sources 90a and 90b passes through the transparent glass 91 and is reflected by the surface of the medium 95 on the travel path 24, is reflected by the reflection mirror 92, and is reduced by the reduction lens 93, and is reflected by the CCD sensor. The image will be fixed at 94.

The optical sensor 13' described above operates as follows. First, the medium 95 is conveyed on the traveling path 24 from right to left in the figure by the traveling rollers 96a to 96d, and when the CCD sensor 94 detects the leading edge of the medium 95,
The mode of the control unit becomes a mode for reading print information or print information on the medium 95. Next, the medium 95 is moved to the running roller 96.
Each time a to 96d is conveyed by one pitch, the CCD sensor 94
The amount of light that reaches the area is photoelectrically converted for each pixel. Then, the intensity of light in one line across the entire width of the medium 95 is converted into a voltage value and sampled, and the bankbook entry control unit 25 converts the voltage value into a digital value and stores it in the memory. This is repeated every time the medium 95 is conveyed one pitch, and all information on the surface of the medium 95 is read and stored in the memory. In this way, the optical sensor 13' shown in FIG.
It can be used for processing depending on the situation.

FIG. 10 is a detailed configuration diagram of a receipt printer according to the present invention. The illustrated printer includes a receipt paper 26, a receipt running path 28, a print head 29, a receipt outlet 31, and the like. The receipt paper 26 is a foldable perforated receipt paper. The receipt paper 27 is a receipt paper similar to the receipt paper 26, but each has a storage capacity of 1000 sheets, for example, so that when one paper runs out, it automatically switches to the other paper. There are two.

The receipt papers 26 and 27 are supplied to the receipt running path 28, printed by the print head 29, cut at the perforations by the cutter 30, and discharged to the customer as a receipt from the receipt outlet 31. be done. The switching valve 32 is a switching valve for switching the receipt traveling path 28 in order to pull back the receipt released when the customer forgets to take the receipt to the receipt traveling path 28 and store it in the forgotten receipt storage box 33. It is. Note that each part of the receipt printer 3 described above is controlled by a control part (not shown). This control section is connected to the main control section 6 shown in FIG. 1 via a line within the device.

Next, the operation of the above-mentioned apparatus will be explained. First, the operation of transactions involving postcards will be explained. A postcard 40 inserted by a customer into the passbook insertion/ejection port 11 shown in FIG. 7 is automatically fed into the travel path 24. The data recorded on the magnetic stripe 41 is then read by the magnetic head 12. The read data is
The information is stored in the memory of the control unit 25. This data is edited and displayed on the display 5 for guiding customer operations shown in FIG. The customer confirms the displayed information necessary for the transfer transaction, and touches the touch key at the position corresponding to the confirmation key displayed on the display 5. This allows the customer to input confirmation.

After confirming the transfer amount displayed on the display 5, the customer inserts the required amount into the banknote deposit/withdrawal port 71 and the coin deposit/withdrawal port 72. The inserted banknotes and coins are each automatically counted, and the total amount of money inserted is displayed on the display 5. This display 5 has
At the same time, the transferred amount (billed amount), deposited amount (total amount deposited by the customer), and change amount are displayed. At this time, confirmation action by the customer is requested again.

[0038] Here, when the confirmation is input, the automated teller machine communicates with the host computer, updates the host computer's transfer account file, and then sends a transaction completion message to the automated teller machine. The automated teller machine stores the deposited cash, counts the change, and when there is change, hands it out to the customer through the banknote deposit/withdrawal port 71 and the coin deposit/withdrawal port 72. At the same time, a receipt for the customer and journal information for the financial institution are printed.

Next, the operation of transactions involving bankbooks will be explained. When a general transaction involving a passbook is selected using the touch sensor key and the passbook is inserted into the insertion/ejection port 11, the passbook is automatically drawn into the travel path 24 and the magnetic head 12 is used to remove the passbook's magnetism. Read the data recorded in the stripe. In addition, the optical sensor 13
' to read the page marks and printed lines on the inner paper of the inserted bankbook. The above reading has completed successfully,
If the transaction becomes possible, the selected transaction is executed.

When the transaction is completed, the transaction result is printed on the bankbook by the print head 14. If a page carryover occurs as a result of printing unrecorded data at this time, one sheet of paper inside the passbook is turned over by the turn page unit 15, and the remaining unrecorded data is printed on the next page. Next, the magnetic head 12
The updated data is recorded on the magnetic stripe of the passbook, ejected to the insertion/ejection port 11, and returned to the customer.

Next, the operation of transactions involving the transfer form 80 will be explained. Select the transfer transaction using the touch keys,
When the transfer form 80 is inserted into the insertion/ejection port 11, the transfer form is automatically drawn in by the travel path 24, the barcode data printed on the transfer form is read by the optical sensor 13', and the passbook entry machine controller Transfer to 25. The passbook entry control unit 25 stores the barcode data in a memory, determines the validity of the data, edits it into a specified format, and sends it to the main control unit 6. The main control unit 6 is
First, this data is edited for display and displayed on the display 5 for guiding customer operations.

[0042] The customer confirms the displayed information necessary for the transfer transaction, and performs a confirmation input by touching the touch key at the position corresponding to the confirmation key displayed on the display 5. At this time, if the customer does not approve of the displayed content, the transaction is canceled by touching the touch key at the position corresponding to the cancellation key displayed on the display 5. And the insertion/ejection port 11
The transfer form is then returned to the customer and the transaction is terminated without performing the transaction. When the customer inputs confirmation and selects either cash transfer or account debit, the main control unit 6 selects a process according to the selection.

In the case of cash transfer, the banknote deposit/withdrawal port 71 and the coin deposit/withdrawal port 72 are opened, and a message is displayed on the display 5 prompting the user to insert cash. The customer inserts the required amount of banknotes or coins into the banknote deposit/withdrawal port 71 or the coin deposit/withdrawal port 72, respectively. The inserted banknotes or coins are automatically counted, and the results are displayed on the display 5 for guiding customer operations. This display simultaneously displays the transferred amount (billed amount), deposited amount (total amount deposited by the customer), and change amount. At this time, the customer is allowed to perform the confirmation operation again.

In the case of direct debit, the customer is prompted via the display 5 to insert the transaction card of the account to be debited into the card insertion outlet 73. When a customer inserts a transaction card, the data is read by a magnetic stripe reader/writer of a card reader (not shown).
It is transmitted to the main control section 6. The results are similarly displayed on the display 6 for guiding customer operations, but in this case, the debit account number is also displayed.

[0045] In either case, when the customer enters a confirmation input, the main control unit 6 communicates with the host computer in the case of an online system, and the host computer stores the customer account file (in the case of direct debit) and the host computer. After updating the transfer account file, a transaction completion message is sent to the main control unit 6 of the automatic transaction device. In response to this, in the case of cash transfer, the automatic transaction device stores the deposited cash, counts the change, discharges it from the banknote deposit/withdrawal port 71 and the coin deposit/withdrawal port 72, and refunds the money to the customer. At the same time, receipts and transaction journals are printed. Receipts are printed and issued using the receipt printer 3.
The transaction journal is printed by a journal printer (not shown).

[0046] In the above-mentioned embodiment, postcard 40
Although the magnetic stripe 41 and address 42 of the postcard are read by the passbook recording machine 1, the present invention is not limited to this, and reading may be performed by providing a reading device exclusively for postcards.

[0047]

[Effects of the Invention] As explained above, according to the automatic transaction device of the present invention, according to the first invention, postcards with magnetic stripes can be handled in transfer transactions, and information necessary for transfer transactions can be input using the magnetic stripe. This makes it easier for customers to perform transfer operations. In addition, the second invention enables a passbook entry machine to read printed information such as a bar code on a transfer slip, and a receipt printer to issue a receipt, and furthermore, allows a passbook entry machine to print a transfer slip after a transaction has been completed. Because it can be stored inside the container, it has the following effects (1) to (3). (1) By simply adding functions such as optical sensors to the functions of conventional automatic transaction devices, it becomes possible for machines to handle transfer transactions using conventional transfer forms. (2) It is possible to provide an automatic transaction device that has good operability and is cost-effective in handling everything from general transactions to transfers of utility charges, etc., without changing the size of the device. (3) In addition to systems that can output transfer transaction results based on information such as barcodes, even systems that cannot output such output can read transfer slips as image information to improve their image. The information allows the address and name, which are unique information of the transfer requester, to be printed on the receipt. Furthermore, according to the third aspect of the invention, the address on a postcard or ordinary transfer form is read and a receipt is created using this address, so receipts can be easily issued. Furthermore, the magnetic stripe reading mechanism for postcards is also used as the magnetic stripe reading mechanism for bankbooks, allowing the conventional single mechanism to read the magnetic stripes on both postcards and bankbooks. By reading the image information, transmitting it to the receipt printer as image information, and printing the recipient's address on the receipt, you can easily make transfer transactions by simply adding some functions to the existing automatic transaction device functions. be able to do the following. In other words, it is possible to easily handle transfer forms without providing a dedicated device such as a transfer form acceptance machine equipped with an expensive character recognition device.

[Brief explanation of drawings]

FIG. 1 is a block diagram of an embodiment of an automatic transaction device of the present invention.

FIG. 2 is a diagram showing a passbook inserted into a passbook entry machine.

FIG. 3 is a diagram showing an example of a transfer form.

FIG. 4 is a diagram showing a receipt for a transfer transaction.

FIG. 5 is a diagram showing another example of a receipt for a transfer transaction.

FIG. 6 is an external view of the device according to the present invention.

FIG. 7 is a detailed configuration diagram of a passbook recording machine according to the present invention.

FIG. 8 is a detailed configuration diagram of another passbook recording machine according to the present invention.

FIG. 9 is a diagram showing details of an optical sensor.

FIG. 10 is a detailed configuration diagram of a receipt printer according to the present invention.

[Explanation of symbols]

1. Passbook recording machine 2　Money deposit/withdrawal machine 3 Receipt printer 4 Customer operation department 5 Display 6 Main control section 7 Interface section 8. Host computer 12 Magnetic head 13 Line sensor 13' Optical sensor 40 Postcard 41 Magnetic stripe 42 Addressee 60, 60' Receipt 80 Transfer slip

Claims (3)

[Claims] Claim 1: A standard size transfer form with a magnetic stripe is inserted by the customer, information necessary for the transfer transaction is read from the magnetic stripe of the standard size transfer form, and the information is sent to the customer operation section of the device. The information is displayed on a display installed at The amount, the amount required for the transfer transaction, and the amount of change are displayed on the display, and after the customer confirms these amounts, the transfer transaction is processed, and after the processing is completed, a receipt for the transfer transaction is printed to the customer. This automatic transaction device is characterized in that it issues change and also hands out change when there is change. Claim 2: A standard size transfer form with optically readable printed information is accepted by the customer when inserted, information necessary for the transfer transaction is read from the printed information on the standard size transfer form, and the The information is displayed on the display provided in the customer operation section of the device, and after the customer confirms the content of the information and inserts the money necessary for the transfer transaction, the inserted money is counted and the money is counted. After completion of the process, the counted amount, the amount required for the transfer transaction, and the amount of change are displayed on the display, and after the customer confirms these amounts, the transfer transaction is processed, and after the process is completed, the transfer is made to the customer. An automatic transaction device is characterized in that it prints and issues transaction receipts and also provides change when there is change. [Claim 3] A standard size transfer slip is accepted by the customer, the customer inputs the information necessary for the transfer transaction, and after inserting the necessary money for the transfer transaction, the inserted money is counted and the After counting the currency, the counted amount, the amount required for the transfer transaction, and the amount of change are displayed on the display of the customer operation unit. After the customer confirms these amounts, the transfer transaction is processed and the process is completed. After the transaction is completed, the address written on the standard size transfer form is read by an image sensor, the read address is printed directly on the transfer transaction receipt and issued to the customer, and if change is available, the customer is asked to give the change. An automatic transaction device characterized by: