JPH04351597A - Page increase type passbook - Google Patents

Abstract

PURPOSE:To obtain a page increase-type passbook, which is hardly expanded and contracted and curled, by using text paper containing silicic acid based fillers at the rate of 2-20 pts.wt. having oil absorption of 70ml/100g or more and titanium oxide at the rate of 3-20 pts.wt. to 100 pts.wt. pulp. CONSTITUTION:Text paper containing silicic acid based fillers at the rate of 2-20 pts.wt. having oil absorption of 70ml/100g or more and titanium oxide at the rate of 3-20 pts.wt. to 100 pts.wt. pulp is employed, thus manufacturing a page increase-type passbook. Accordingly, the aggregation of titanium oxide can be prevented because the silicic acid based fillers are combined, and the text paper effectively functions as improvement in opacity because titanium oxide is fixed to pulp under the state in which titanium oxide is dispersed uniformly. Since the silicic acid based fillers have large oil absorption, printed ink is absorbed quickly, the permeation of ink to the rear is prevented, and printing strike-through preventive properties are improved. Total contents of the fillers required for keeping printing strike-through preventive properties can be reduced, thus increasing the rigidity and paper force of a form.

Description

[Detailed description of the invention]

0001

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a multi-page bankbook used in financial institutions and the like.

0002

2. Description of the Related Art Financial institutions such as banks and post offices have introduced online processing systems using computers in order to reduce the amount of administrative work and improve customer service. An example of the passbook used here is shown in Figure 1. This is composed of a cloth cover 1 and a plurality of sheets of text paper 2, and is generally a passbook with a magnetic stripe, in which a magnetic stripe 3 is attached to the cover. The magnetic stripe 3 contains the branch number,
Data such as transaction items and account numbers are recorded as magnetic information, and when the passbook is inserted into an automatic transaction terminal, the data is automatically entered into the computer. FIG. 3 shows an example of a main body record page, on which timing marks 7 for automatically setting print lines, page marks 8 for page identification, and ruled lines are printed.

[0003] Recently, automatic transfer of salaries and automatic withdrawal of electricity bills, gas bills, etc. have become popular, and the amount of information printed on passbooks is increasing, and now passbooks are becoming a substitute for household account books. . Therefore, for customers, a passbook with a large number of pages is preferable, and for financial institutions, increasing the number of pages can reduce not only production costs but also administrative costs, and it is possible to cover various financial products with one passbook. This has the advantage of being possible. Against this background,
Recently, the conventional passbook with 3 to 5 pages has been replaced by a so-called ``extended page type passbook'' with 6 to 10 pages.
is being developed.

[0004] Here, a typical example of the passbook manufacturing process will be briefly explained. ■Print the specified items (terms and conditions, ruled lines for printing fields, timing marks, page marks, etc.) on the text paper. In this case, the paper used for the endpaper part of the passbook (section 4 in Figure 2, where the terms and conditions are often printed) may be a special paper designed separately from the main text paper. In the present invention, for convenience, the number of body sheets includes end sheets. To explain with a diagram, FIG. 2 corresponds to a passbook with five body sheets. ■Collated multi-page text sheets with specified information printed on them are usually cut into three-page sheets for sewing machine insertion. ■Perform a perforation (section 6 in Figure 2) on a predetermined number of stacked text sheets. ■ Apply glue (often water-based glue such as vinyl acetate) to the back side of cloth cover 1 with a thickness of about 0.15 mm using a cover pasting machine, and paste it with the perforated main text. ■Use a cutting machine to cut the passbook to the finished dimensions, and round the four corners (add rounded corners). ■Magnetic stripe processing 3 on the designated position of the passbook
do.

[0005] Next, important items of performance required for passbook text paper will be explained. ■Excellent printability. ■Excellent opacity. If the opacity of the paper is low, timing marks, page marks, printed areas, etc. printed by offset printing or the like will be visible from the back side of the paper, causing malfunctions of automatic handling machines. It is said that the opacity of paper needs to be 90% or more. ■It has excellent dimensional stability. Paper is required to have as little expansion, contraction and curl as possible. Poor dimensional stability causes problems such as misregistration during passbook manufacture, and also causes problems such as the passbook not being fed by the feed roll in an automatic handling machine. ■Good blade retention during cutting and punching. ■Excellent mechanical suitability in automatic handling machines. It is required that multiple pages are not turned over when the pages are turned (excellent page turning aptitude) and that jams do not occur. These are closely related to the rigidity of the paper, and the paper is required to have an appropriate degree of rigidity. ■The ink printed by the printer has little permeation and diffusion over time. Transactions are usually recorded in a bankbook using a dot printer using an ink ribbon made of cloth tape impregnated with non-drying ink. For this reason, if ink permeates and diffuses into the paper after printing, the print may become unclear or see through from the back side (ink through), causing malfunctions of automatic handling machines. Low permeation and diffusion of ink is said to be good in preventing print bleed-through (ink-through prevention), and is an extremely important performance. ■Immediately after printing with an automatic printer, the printed area should not be smudged by the roll. It is necessary for the ink to be quickly absorbed into the paper surface immediately after printing. If the ink remains on the surface of the paper without being absorbed, the print area will be rubbed by the passbook transport rolls, staining the paper surface, causing problems such as poor appearance and erroneous reading of information.

[0006] On the other hand, in the above-mentioned "increased page type passbook",
Since the gap between the passbook insertion slot of existing terminals is fixed, it is absolutely necessary to increase the number of pages without changing the overall thickness of the passbook. For this reason, attempts have been made to reduce the thickness of the text paper, but it has been found that simply reducing the thickness of the paper causes various problems as described below. In other words, the thickness of the body paper of a conventional 3 to 5 page passbook is usually 160 to 12 mm, taking into consideration various performances.
If the thickness is in the range of 0 μm, and it is simply thinned to 120 to 65 μm, which is the thickness required for 6 to 10 sheets, the characters printed by the printer will come through on the back, making it difficult to read the timing mark with a machine. However, there was a problem in which the printing on the front side could be mistaken for the printing on the back side. In addition, the rigidity and paper strength of the paper deteriorated, causing double-turning and jamming when turning the pages, and in extreme cases, the paper was torn, causing the problem that it could not be used as a passbook.

[0007] In order to improve these shortcomings, a text paper with a higher content of titanium oxide and higher opacity than the conventional text paper was developed, but although the white paper opacity itself was improved, print bleed-through occurred. could not be prevented. Furthermore, as the content of titanium oxide increases, rigidity and paper strength decrease, and problems such as double turning and jamming when turning pages have not yet been solved. In addition, because titanium oxide has a high hardness, a new problem arose: the durability of the machine's blades when finishing paper, cutting passbooks, and rounding corners deteriorated. In addition, because the paper has become thinner, the harmful effects of permeation and diffusion of printing ink have become greater.

On the other hand, in Utility Model Application Publication No. 59-64273, 2
Text paper has been proposed in which a light-impermeable layer made of an opaque adhesive or an opaque synthetic resin film is interposed between sheets of thin paper. Also, Utsukai Sho 59-143778
In this issue, a text paper is proposed in which two sheets of thin paper are provided with an opaque anchor coat layer and then bonded together with an opaque adhesive. Also, in Utility Model Application Publication No. 59-143779, 2
Text paper has been proposed in which an intermediate layer consisting of a synthetic resin film layer and an opaque adhesive layer and an anchor coat layer laminated on both sides is interposed between sheets of thin paper. All of these main text papers were proposed to solve the above-mentioned problems, but they had drawbacks such as the manufacturing process was complicated and costly, and the paper was prone to curling due to its complicated structure. .

[0009]

[Problems to be Solved by the Invention] An object of the present invention is to develop body paper that solves the drawbacks of conventional paper for the body of an extra-page type bankbook, and to provide an extra-page type passbook that can be used satisfactorily even with conventional terminal devices. shall be.

0010

[Means for Solving the Problems] In order to solve the above problems, the present inventors focused on the fact that print bleed-through and paper opacity are fundamentally different properties, and conducted extensive research. layered. As a result, they discovered that by combining a certain filler with titanium oxide, it was possible to solve the above problems and produce paper that met all the performance requirements for text paper, and completed the present invention. That is,
The gist of the present invention is that the text contains 2 to 20 parts by weight of a silicic acid filler with an oil absorption of 70 ml/100 g or more and 3 to 20 parts by weight of titanium oxide per 100 parts by weight of pulp. The purpose is to create an extra-page passbook using paper.

The silicic acid filler used in the present invention is produced by decomposing a halogenated silicon compound such as silicon tetrachloride, decomposing an organosilicon compound, decomposing hydrofluorosilicic acid, heating a mixture of silica sand and coke, etc. Decomposition of anhydrous silicic acid and sodium silicate with mineral acids, decomposition of sodium silicate with ammonium salts, decomposition of sodium silicate with ion exchange resin, acidity of alkaline earth salts derived from sodium silicate (dry method) It refers to hydrated silicic acid (a filler called white carbon is also a type of filler), hydrated calcium silicate, sodium aluminosilicate, modified montmorillonite clay, etc., which are manufactured by decomposition (wet method).

[0012] Silicic acid fillers are manufactured by many companies, and examples of product names include ``Tokusil, Fine Seal, Mizuka Sil, Silton, Nip Seal, Zeoseal, Carplex, Pyrosil, Microsil, Silmos, and Bisical. , Aerosil, Cabozil, Santocel, and Hysil, and these can be used alone or in combination in the present invention. All of these fillers are characterized by having a larger specific surface area than other fillers and also having a larger oil absorption amount.

[0013] The average particle diameter of the silicic acid filler is usually 10 μm.
Hereinafter, those having a diameter of 5 μm or less are preferably used. If the average particle diameter exceeds 10 μm, the surface smoothness of the paper deteriorates, printing suitability decreases, and the ink strike-through prevention effect tends to decrease. In the present invention, the oil absorption amount of the silicic acid filler (measured by the linseed oil method) is 70ml/
It is necessary that the weight is 100g or more. Oil absorption is 7
If it is less than 0 ml/100 g, the effect of preventing print bleed through will be extremely reduced.

Titanium oxide has rutile type and anatase type, and in the present invention, titanium oxide having an average particle diameter of about 0.3 μm is preferably used. As described later, silicic acid fillers prevent printing ink from penetrating the back side of the paper and fix it near the surface, whereas titanium oxide prevents printing and printing on the front surface. It works to make it difficult to see from the back side. Therefore, only by using both together,
It satisfies the opacity of the paper and the suitability for preventing print bleed through. In the present invention, if necessary, other fillers such as talc, clay, calcium carbonate, aluminum hydroxide, kaolin, and plastic pigments can also be used in combination within a range that satisfies the required performance. As will be described later, the main text paper is manufactured using papermaking technology, but in order to include the filler within the above range, it is necessary to determine the amount of filler added in consideration of the yield.

The pulp used in the present invention is not particularly limited, and includes chemical pulps such as kraft pulp and sulfite pulp, mechanical pulps such as ground pulp and refiner ground wood pulp, and semi-chemical pulps such as chemical ground wood pulp and semi-chemical pulp. Chemical pulp, waste paper pulp, synthetic pulp, etc. can be used, and these can be used alone or in combination.

The text paper of the present invention must contain 2 to 20 parts by weight of silicic acid filler and 3 to 20 parts by weight of titanium oxide based on 100 parts by weight of pulp. That is, if the amount of the silicic acid filler is less than 2 parts by weight, the paper lacks the ability to prevent print bleed through, and if it exceeds 20 parts by weight, the rigidity decreases and the paper strength becomes weak. If the titanium oxide content is less than 3 parts by weight, the opacity will be insufficient, and if it exceeds 20 parts by weight, the rigidity will decrease and the paper strength will become weak. In addition, as shown in Table 1 later, within the above range, other required performances as text paper are also satisfied.

[0017] In the present invention, dry paper strength agents, wet paper strength agents, sizing agents, fixing agents, retention improvers, freeness improvers, antifoaming agents, dyes, coloring pigments, fluorescent agents, etc. may also be added as necessary. can be used. The paper stock is prepared according to a conventional method, and usually has a freeness of 550 to 300C. S. F. The paper is made using a known paper machine such as a fourdrinier paper machine or cylinder paper machine. Freeness is 300mlC. S. F. If it is less than that, problems such as poor dimensional stability and decreased opacity are likely to occur. If the freeness exceeds 550 ml, problems such as poor paper formation, poor printability, and low filler yield are likely to occur. In the present invention, it is also possible to coat the paper surface with starch, polyvinyl alcohol, various surface sizes, etc. during paper making. Furthermore, if necessary, a supercalender treatment may be carried out to improve surface smoothness.

The thickness of the body paper to be made is adjusted as appropriate depending on the number of body sheets of the extra-page passbook. It is said that if the thickness of the entire passbook is not more than 2 mm, it will not fit through the passbook insertion slot of the automatic handling machine. Normally, the thickness of the cloth cover for a passbook is about 150 μm, the thickness of the adhesive is about 20 μm, and the thickness of the body paper is 6.5 μm, allowing for some margin.
120μm or less for a sheet of paper, 108μm for a sheet of 7 sheets.
Hereinafter, as a general guideline, the thickness is 90 μm or less for 8 sheets, 80 μm or less for 9 sheets, and 65 μm or less for 10 sheets.

The reason why the text paper used in the present invention has excellent suitability for preventing print bleed through and suitability for turning pages is not well understood, but it is presumed that it is due to the following reasons. Titanium oxide is a filler that tends to aggregate very easily, and if used alone, it will settle in the pulp in an aggregated state, reducing its contribution to improving opacity. On the other hand, when a silicic acid filler is used in combination, titanium oxide can be prevented from agglomerating and fixed in the pulp in a uniformly dispersed state, which is effective in improving opacity. Therefore, the amount of titanium oxide added can be reduced compared to when titanium oxide is used alone. Furthermore, since the silicic acid filler used in the present invention has a large oil absorption capacity, it quickly absorbs the printed ink, prevents the ink from penetrating the back surface, and improves print strike-through prevention. Furthermore, as a synergistic effect, it is possible to improve the yield of filler to pulp, and the total content of filler required to maintain print bleed-through prevention properties is significantly reduced compared to conventional multi-page passbook body paper. As a result, the rigidity and paper strength of the paper are improved, and the paper has excellent page turning properties.

[0020] According to the present invention, text paper is made by the method described above, and a passbook is produced using the paper by the steps described above. Passbook cloths generally include cloth cloth and paper cloth. Cloth is generally made of a cloth with a roughness of about 60 to 90 mesh and a paper lining attached to it. Paper cloths include those with a synthetic resin-impregnated paper base coated with a colored layer, those with a resin layer formed thereon, and those based on synthetic paper.

[0021]

【Example】

Example. 1-3 Pulp slurry consisting of 50 parts by weight of NBKP and 50 parts by weight of LBKP was added to 400 ml of C.I. S. F. Then, synthetic amorphous silica fine powder (product name:
Toxil (manufactured by Tokuyama Soda) and rutile titanium oxide (product name: R-41, manufactured by Furukawa Industries) were added, and 0.3% of a paper strength enhancer (product name: Polystron-191, manufactured by Arakawa Chemical Industries) was added. Part by weight (dry weight part, the same applies hereinafter), 1.5 parts by weight of a rosin sizing agent (trade name: Size Pine E, manufactured by Arakawa Forestry Chemical Manufacturing Co., Ltd.), and 2.5 parts by weight of sulfuric acid band were added, and the slurry was passed through a fourdrinier. Paper is made using a paper machine according to a conventional method, and polyvinyl alcohol (product name:
2 g of a mixed solution (concentration 10% by weight) of 1 part by weight of Kuraray Poval PVA-117 (manufactured by Kuraray) and 4 parts by weight of oxidized starch (product name: Mermaid M200, manufactured by Shikishima Starch)
m2 coated. Table 1 shows the oil absorption amount of the silicic acid filler used, the content of the silicic acid filler and titanium oxide (amount per 100 parts by weight of pulp, actual value measured by ash content measurement), and the basis weight and thickness of the paper produced. Shown below.

Comparative example. 1 to 4 Paper was made using the same pulp and freeness as in Example, changing other conditions as shown in Table 1. The types and amounts of the paper strength enhancer, sizing agent, and sulfate are the same as in the examples.

[0023] Using the paper produced in this manner, an extra-page passbook was produced. In addition, the cross cover contains 20g/
A 150 μm thick passbook cloth (product name: New Star Lawn M-PB, manufactured by Toyo Cloth Co., Ltd.) with 2 m2 lining paper pasted was used, and water-based vinyl acetate adhesive was used to adhere it to the body paper. used. The evaluation results are shown in Table 1. In addition, the basis weight is JIS P 8124, and the thickness is JI
S P 8118, opacity JIS P 8
138, and blade retention suitability was evaluated by the durability of the blade of a passbook cutting machine, and other suitability was evaluated by testing an ATM automatic teller machine. When evaluated using a 5-point system, a score of 3 or more is considered to be practically satisfactory, a score of 2,
One point caused a practical problem.

[Table 1]

[0024]

[Effects of the Invention] As described above, the present invention is configured,
There are significant effects as described below. ■Excellent printability. ■Excellent opacity. ■Excellent dimensional stability. The reason why the text paper of the present invention exhibits less expansion, shrinkage and curling is thought to be because the silicic acid filler has the ability to adsorb moisture, and therefore absorbs and releases less moisture due to changes in humidity than conventional text paper. ■Good blade retention when cutting and punching paper. Compared to the main paper containing only titanium oxide, the blade durability has been improved. This is thought to be because titanium oxide generally has greater abrasiveness than silicic acid fillers. ■It has excellent page turning properties in automatic handling machines and does not cause jams. ■There is less permeation and diffusion of printer ink over time (less ink through). ■The ink is quickly absorbed into the paper surface immediately after printing, and the printed area is not smeared by the conveyance roll.

[Brief explanation of drawings]

FIG. 1 is an explanatory diagram of a passbook.

FIG. 2 is a partially enlarged sectional view of the passbook.

FIG. 3 is the main text of a passbook with predetermined items printed thereon.

[Explanation of symbols]

1 Cross cover 2　Main text paper 3 Magnetic stripe 4 Endpaper 5 Adhesive layer 6 Sewing machine hook part 7 Timing mark

Claims (1)

[Claims] Claim 1: Text paper containing 2 to 20 parts by weight of a silicic acid filler with an oil absorption of 70 ml/100 g or more and 3 to 20 parts by weight of titanium oxide per 100 parts by weight of pulp was used. This is an extra page type passbook that is characterized by: