JPH04367976A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To improve the carrying constitution of a medium, to simplify the structure, to reduce the cost and to improve the maintenance property by providing a cutter device in the vicinity of an insertion port, and providing a branch carrier line for saving a part of the medium between the insertion port and the cutter device. CONSTITUTION:Between a cutter device 20 and an insertion port 4, there is a branch carrier line 51 being a saving means guided from a carrier line 27 by an action of a gate formed integrally with a shutter 22. To the terminal part of the branch carrier line 51, a collecting box 52 for collecting a payment slip forgotten to take is connected. This branch carrier line 51 not only is used as a saving carrier line of the rear end of a payment slip protruded from a collecting carrier line and the carrier line 27, but also receives driving through a clutch from a driving motor for driving a drive roller 24. etc., of the carrier line 27, and also, is used at the time of holding a notice to an issue origin cut by the cutter device 20 and a copy part (second cut piece) by a receipt banking agency in its place by cutting off the driving.

Description

[Detailed description of the invention]

0001

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction device that is installed in a financial institution such as a bank and automatically performs payment transactions for utility charges and the like.

0002

[Prior Art] In recent years, by accepting a magnetic card with account information stored on it submitted by a user and communicating online with a host computer storing a deposit ledger, cash requested by the user is automatically paid. cash machine,
Alternatively, automated teller machines such as automated teller machines that automatically deposit and receive cash by accepting magnetic cards or magnetic passbooks with account information stored on them, and automated teller machines that combine both functions into one machine. has rapidly developed as an automated bank teller device, and has been introduced at each bank to provide speedy services to users.

[0003] Also, with the recent diversification of economic activities, there has been an increase in transfer transactions such as loan repayments or tuition fee transfers using banks and other financial institutions. A system has been developed and put into practical use that accepts cash and transfers the accepted cash to another bank account, or transfers a predetermined amount from one's own account to another bank account using a card transaction. There is.

[0004] However, this type of automatic transaction device has the drawback that it cannot be used for payment of taxes or utility charges (from a financial institution's perspective, this is a collection service).

[0005]Recently, as a solution to these drawbacks, an automatic transaction device that can automatically perform payment transactions for utility charges, etc. has been proposed (Japanese Patent Application No. 1983-
(See Publication No. 130664). This automatic transaction device accepts several types of payment slips (recording media) on which information related to payment is recorded, optically reads information related to payment from the accepted payment slip, and performs payment transactions based on this read information. At the same time, at the end of the payment transaction, a receipt stamp is stamped on the accepted payment slip, and a piece of the receipt is cut off and discharged.

[0006]

[Problems to be Solved by the Invention] Conventionally, when receiving several types of media in the longitudinal direction and cutting them into two, there is a space between the discharging means (receiving means) and the cutting means. If the length of one piece of the medium on the ejection means side is longer than the longest piece, the end of the medium will protrude from the ejection means when the medium is conveyed to the cutting position. In addition, the distance between the pair of rotating bodies that are pinched and conveyed from the cutting means to the ejection means must be narrower than the length of the cut piece on the ejection means side that is the shortest among the media handled. It gets between the body pair and the rotating body pair and cannot be transported.

[0007] For this reason, when handling several types of media in the longitudinal direction, the gap between the discharge means and the cutting means must be wide, and a large number of pairs of rotating bodies must be arranged finely between them, resulting in structural problems. There are problems in that it becomes complicated, costs increase, and maintenance becomes troublesome.

Therefore, the present invention shortens the distance between the receiving means and the cutting means, greatly reduces the number of conveying members disposed between the receiving means and the cutting means, and simplifies the structure and reduces costs. An object of the present invention is to provide an automatic transaction device that can improve maintainability.

[0009]

[Means for Solving the Problems] In order to solve the above problems, the present invention provides a receiving means for receiving a medium, and a cutting device for cutting the medium received by the receiving means into first and second cut pieces. and the medium received by the receiving means is conveyed in a pinched manner and taken into the cutting means, and then
The apparatus includes a conveyance means for conveying the medium backward by a predetermined distance, and an evacuation means provided between the receiving means and the cutting means for evacuating a part of the medium that is conveyed backward by the conveyance means.

0010

[Operation] A retraction means is provided between the cutting means and the receiving means,
By evacuating a part of the medium to this evacuating means, it is possible to process the medium without a part of the medium protruding even if the cutting means and the receiving means are brought close to each other. The number of parts can be reduced.

[0011]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described below with reference to an embodiment shown in the drawings.

FIG. 2 shows an automatic transaction device according to the present invention. That is, the customer service operation section 2 is located on the front of the housing 1.
is formed. On the vertical surface 3 of this customer service operation section 2,
A transaction medium insertion slot (accepting means) 4 into which a payment slip (form) as a recording medium, such as a gas fee payment slip, is received, and a transaction medium insertion slot (acceptance means) 4 for receiving emitted receipts, etc., and account information such as a PIN number and account number. A card insertion slot 5 into which a magnetic card is stored, a transaction indicator 6a for displaying to the user whether the transaction is being processed, and a display that guides each transaction such as deposits, payments, and payments that can be handled. A coin that has a display 6b, a call button 7 for the user to call a staff member, and a door 8a that can be opened and closed, and serves as both a deposit slot and a withdrawal slot where the user can insert or receive a large number of coins at once. A deposit/withdrawal port 8 is provided.

A banknote deposit/withdrawal port 11 is provided on the horizontal surface 10 of the customer service operation section 2, in which a large number of banknotes can be input at once, and change, etc., can be received. A door 12 that can be opened and closed is provided. Further, on the horizontal surface 10, there is provided a CRT display device 14 in which a transparent touch panel (touch sensor) is disposed in an overlapping manner on a display screen of a color CRT. This CRT
The display device 14 guides the user by displaying operating procedures and other information on the screen using illustrations, characters, or words, and also uses the display to display information such as passwords, amounts, account numbers, transaction selections, and confirmations. Alternatively, a so-called key operation is performed in which a touch panel detects the cancellation by pressing a display area corresponding to the cancellation, and outputs a corresponding signal to a main control section to be described later. The CRT display device 14 is configured to change the content and display each time the machine operation or step status changes.

On the other hand, inside the casing 1, as shown in FIG. unit 33, internal monitor 34 for clerk, card unit 35, transaction medium processing unit 36
, a customer service unit 37 constituted by the CRT display device 14, and a voice guidance unit 38 that guides the user's operations by voice. In addition, the main control unit 31
includes a transmission control unit 39 that controls data transmission with a host computer (center) not shown, and a main storage unit 40.
, and a remote monitor 41 for staff provided outside.
etc. are connected. Note that 42 is a power supply unit that supplies the power necessary to operate the device.

[0015] The main control section 31 causes the automatic transaction device to perform predetermined transaction operations by controlling each section according to the operating program of the main storage section 40.

The banknote deposit/withdrawal unit 32 accepts banknotes inserted into the banknote deposit/withdrawal port 11 in bulk, determines their authenticity, denomination, and whether they are damaged (discrimination), counts genuine bills, and performs the following operations: After sorting the front and back of the banknotes, the inserted genuine banknotes are divided into four categories (10,000 yen, 1,000 yen, 5,000 yen, 10,000 yen, damaged 1,000 yen/5,000 yen, and At the same time, the deposited banknotes are used as payment banknotes, and if necessary, a designated amount of banknotes is discharged to be paid out at once from the banknote deposit/withdrawal port 11.

The coin depositing and dispensing unit 33 determines the authenticity and denomination of the coins inserted into the coin depositing and dispensing port 8 at once, and counts and stores genuine coins.
The coins are paid out at once from the coin deposit/withdrawal port 8 by discharging coins for a designated amount as necessary. The internal monitor 34 is used to notify the staff involved in the operation of the apparatus of the status of the apparatus, and to input instructions regarding operations by the staff.

The card unit 35 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, or writes data to the card as necessary. This is for writing.

[0019] The transaction medium processing unit 36 performs the following:
For example, the payment slip is issued as a receipt by reading information related to the payment and, if necessary, printing it on the payment slip.

The main storage unit 40 stores processing procedures (operation programs) related to the operation of the automated teller machine, and also stores various information regarding transactions, such as dealer numbers,
It manages equipment numbers unique to the device, transaction records, and records of the operating status of the device. The remote monitor 41 is connected to the automatic transaction device (main control section 41) as needed, and is capable of monitoring the status of the device from a distance.

FIG. 4 shows an example of a payment slip (bill) as a recording medium according to the present invention, and shows a payment slip Pb for gas charges. This gas fee payment slip Pb has the period covered by the fee, payment deadline, user's name, billed amount, customer number, inquiry telephone number, etc. printed thereon. In addition, the gas fee payment slip Pb can be divided into, for example, four pieces, such as a receipt P1 to the user, a notice P2 to the issuer, a receipt P3 from the receiving financial institution, and other P4. It has become. Payment slip Pb for this gas fee
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.

Further, A in FIG. 4 shows the reading position on the payment slip Pb. At reading position A, information for mechanical processing (information regarding payment) is printed by reading with an optical reading device to be described later.

FIG. 1 shows the transaction medium processing unit 36, which accepts the payment slip Pb inserted into the transaction medium insertion slot 4 in FIG. 2 and performs predetermined processing on it.

[0024] This transaction medium processing unit 36 has a housing 1.
It is provided at a location corresponding to the transaction medium insertion slot 4 inside. That is, the transaction medium insertion port 4 is communicated with the front surface of the unit body 21, and a shutter 22 that can be opened and closed is provided in the transaction medium insertion port 4. The shutter 22 is opened and closed by a solenoid 22a and a spring 22b, and this opening and closing operation is controlled by the output of the detector 23. The detector 23 is a well-known device consisting of a light emitting element and a light receiving element, and is adapted to optically detect insertion or removal of the payment slip Pb.

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 24, pinch rollers 25, which roll into contact with these drive rollers 24, respectively, and It consists of a guide bottom plate (not shown) and the like, and the drive rollers 24 are driven by a drive motor via a belt (not shown). An optical reader 15 is provided in the middle of the conveyance path 27 to read payment information (information related to payment, etc.) on the payment slip Pb.

The optical reading device 15 stores in advance the characteristics of a plurality of types of payment slip formats (for example, the position and content of information to be read, the position where a receipt stamp should be printed, etc.), and the type of payment is specified. Then, the corresponding payment slip format is selected, and its characteristics are used to read the payment information on the payment slip Pb (part A, etc. indicated by a broken line in FIG. 9). A printing mechanism 16 is provided behind the optical reading device 15 on the conveyance path 27 . This printing mechanism 16 prints predetermined information on the payment slip Pb.

Further, behind the shutter 22 of the conveyance path 27, the conveyed payment slip Pb is sent to the user as a receipt P1.
A cutter device 20 is provided to cut into +other part P4 (first cut piece), and notification letter P2 to the issuer + copy P3 (second cut piece) at the receiving financial institution. There is. The cutter device 20 is disposed very close to the insertion port 4. Between the cutter device 20 and the insertion port 4, there is a branch conveyance path 51 as an evacuation means that is guided from the conveyance path 27 by the action of a gate integrated with the shutter 22. At the end of the branch conveyance path 51, there is a forgotten payment slip P.
A collection warehouse 52 for collecting b is connected thereto.

This branch conveyance path 51 is used as a collection conveyance path and a retraction conveyance path for the rear end of the payment slip that protrudes from the conveyance path 27, and is also used as a retraction conveyance path for the rear end of the payment slip that protrudes from the conveyance path 27. It is designed to receive the drive through the clutch 30 (it may be driven by a separate motor), and by cutting off the drive, the notification letter P2 to the issuer cut by the cutter device 20 + the receiving financial institution. copy P
Also used to hold the 3 part (second cut) in place.

Temporary accumulation sections 53, 54, and 55 are provided at the end of the conveyance path 27, in which the conveyed payment slips are accumulated through gates 19a, 19b, and 19c. These gates 19a, 19b, 19c are respectively connected to the solenoid 1.
It is driven by 9d, 19e, 19f,
When the gate 19a is in the state shown by the broken line, the temporary accumulation section 53
Furthermore, when the gate 19b is in the state shown by the broken line, the gate 19c is integrated in the temporary integration section 54, and when the gate 19c is in the state shown by the broken line, it is integrated in the temporary integration section 55.

Furthermore, when the gates 19a, 19b, and 19c are all in the state shown by the solid lines, the payment slip that has been conveyed is transferred to the conveyance path 50.
transported to. This conveyance path 50 is used as a retraction conveyance path for the tip of the payment slip that protrudes from the conveyance path 27. Next, the processing operation of the payment slip Pb in the above configuration will be explained.

First, when accepting the payment slip Pb, the solenoid 22a is energized, the shutter 22 is opened, and the transaction medium insertion slot 4 is opened. When the user inserts the payment slip Pb into the opened transaction medium insertion slot 4 and blinds the detector 23, the inserted payment slip Pb is held between the drive rollers 24... and the pinch rollers 25... and the transaction is made. It is taken inside the media processing unit 36.

[0032]Thus, while the loaded payment slip Pb is conveyed along the conveyance path 27, the optical reading device 15 reads the payment information (information related to the payment, etc.) from the reading position according to the format and recognizes it. .

Since the reading position A is on the rear end side of the payment slip Pb, the leading end of the payment slip Pb protrudes from the conveyance path 27. Therefore, the gates 19a, 19b, and 19c are all shown as solid lines, and the paper is transported to the transport path 50.

Thereafter, a payment transaction is performed based on the payment information read and recognized by the optical reader 15. When the payment transaction is completed, the payment slip Pb read by the optical reader 15 is conveyed by drive rollers 24 and pinch rollers 25, and the predetermined position where the payment slip is to be printed is set by the printing mechanism 16. Sent to the location. Here, the printing mechanism 16 prints the receipt on the payment slip Pb.

[0035] Then, the received payment slip that has been printed is conveyed on the conveyance path 27 in the direction of the transaction medium insertion slot 4, and sent so that the cutting position X of the payment slip is the position of the cutter device 20. It will be done. The rear end of the payment slip that has passed through the cutter device 20 is guided to the branch conveyance path 51 by the action of a gate integrated with the shutter 22.

[0036] Here, the cutter device 20 cuts out the notice P2 to the issuer + copy P3 at the receiving financial institution + other P4 portion (second cut piece), and the receipt P1 portion (
The first cut piece) is cut into two pieces.

[0037] When the payment slip is cut, the cut notification P2 and copy P3 and other parts are transferred to P4.
(The second cut piece) is conveyed on the branch conveyance path 51 toward the recovery warehouse 52 until it passes through a gate integrated with the shutter 22 . Here, the clutch 30 cuts off the drive of the drive motor that drives the drive rollers 24, etc. of the conveyance path 27, and the conveyance path 27 is held in this position.

Further, the cut receipt P1 (first cut piece) is conveyed as it is on the conveyance path 27 toward the transaction medium insertion slot 4, and the solenoid 22a is energized to close the shutter 2.
2, the card is issued to the user through the transaction medium insertion slot 4.

When the detector 23 detects that the user has removed the receipt P1, the notification P2, copy P3, and other parts P held on the branch conveyance path 51 are removed.
4 is conveyed and sent onto the conveyance path 27 by connecting the drive motor via the clutch 30.

Then, it is transported on this transport path 27 in the direction opposite to the direction of the transaction medium insertion slot 4, and the gates 19a, 1
They are accumulated in temporary accumulation sections 53, 54, and 55 via 9b and 19c.

As described above, the branching conveyance path 51 is three-dimensionally provided near the starting end of the horizontally provided conveyance path 27,
In order to guide the rear end of the payment slip Pb protruding from the conveyance path 27 to the evacuation conveyance path 51, when handling a medium that is long in the insertion direction, such as a gas bill payment slip Pb, the transaction medium insertion slot 4 and the cutter may Notification letter P2 to the issuer regarding the spacing of the device 20 + copy from the receiving financial institution P3 + other parts P4
The transaction medium insertion slot 4 and the cutter device 20 can be placed closer to each other, instead of having to take a longer space. Therefore, the drive rollers 24 and the pinch rollers 25 are arranged between the transaction medium insertion slot 4 and the cutter device 20.
The number of parts can be significantly reduced, and the structure can be simplified.

Although the above embodiment has been explained using gas charges as an example, the present invention is not limited to this and can be applied to payment of telephone charges, electricity charges, water charges, etc., as well as local taxes, automobile taxes, etc.

[0043]

As explained above, according to the present invention, the cutting means can be provided close to the receiving means, and the number of conveying members disposed between the receiving means and the cutting means can be greatly reduced. can be reduced. Therefore, the structure can be simplified, costs can be reduced, and maintenance can be facilitated.

[Brief explanation of the drawing]

FIG. 1 is a schematic configuration diagram showing a transaction medium processing unit that is an embodiment of the present invention.

FIG. 2 is a perspective view showing an automatic transaction device equipped with the transaction medium unit of FIG. 1.

FIG. 3 is a block diagram showing the components of the automatic transaction device of FIG. 2.

FIG. 4 is a plan view showing media handled by the transaction media processing unit in FIG. 1;

[Explanation of symbols]

4... Insertion port (accepting means), 20... Cutting means, Pb... Medium, 51... Evacuation means, 27... Conveying means.

Claims (1)

[Claims] 1. A receiving means for receiving a medium, a cutting means for cutting the medium received by the receiving means into first and second cut pieces, and a means for pinching and conveying the medium received by the receiving means. a conveying means for transporting the medium backward by a predetermined distance after the medium is taken into the cutting means; and a retracting means provided between the receiving means and the cutting means for retracting a part of the medium that is transported backward by the transport means. An automatic transaction device characterized by comprising means.