JPH04438Y2 - - Google Patents

Description

[Detailed Description of the Invention] (Technical Field) The present invention relates to a passbook handling device used in financial institutions such as banks.

(Prior Art) Most modern passbooks have a magnetic stripe so that transaction data such as account numbers can be machine read.

On the other hand, when there are no more columns in the passbook to record transaction data, the bank issues a new passbook, but in order to prevent the old passbook from being used by mistake, the customer It was returned to.

However, in the case of a passbook with a magnetic stripe as described above, simply punching a hole in the passbook to make it known that it is an old passbook is not sufficient as a crime prevention measure. In other words, in the case of automated teller machines in which cash payments are made by the customer's own operations, the payment transaction is generally performed by comparing the correspondence between the data read from the customer's authentication card and the PIN number input by the customer. However, it has also been proposed to allow transactions by checking the correspondence between the read data of the passbook magnetic stripe and the entered PIN number instead of using the authentication card. If such an automatic transaction device is operated and the old passbook is thrown away, lost, or stolen, it will be possible to read the data recorded in the magnetic stripe from the old passbook, forge the passbook, and create a counterfeit passbook. There is a risk that it will be misused for fraudulent transactions.

Therefore, in order to prevent such misuse of old bankbooks, when returning old bankbooks to customers, the recorded data on the magnetic stripe is erased using a magnetic head,
It is conceivable to rewrite the data with completely different data, but it is troublesome and time-consuming to process the magnetic stripe in addition to displaying it by punching holes in the bankbook.

(Purpose of the invention) The purpose of the invention is to provide a passbook handling device that can display the fact that it is an old passbook and take measures to prevent misuse of the old passbook at the same time on a passbook with a magnetic stripe whose transaction data entry field is too full. With the goal.

(Structure of the invention) In order to achieve the above object, the present invention provides a passbook handling device that takes in a passbook with a magnetic stripe, reads the magnetic stripe, writes the magnetic stripe, and records transaction data. A magnetic stripe destroying means is installed to damage a bankbook, and the magnetic stripe destroying means is activated on a passbook in which there is no longer a column for recording transaction data, thereby destroying the magnetic stripe visibly and making it unreadable and unwritable. It was designed to do so.

(Example) Embodiments of the present invention will be described below with reference to the drawings.

In FIG. 1, reference numeral 1 denotes a print head for recording transaction data in a bankbook, which is attached to a carriage 4 that is slidably guided and supported by guide shafts 3a and 3b installed orthogonally to the bankbook transport path 2. It is mounted facing downward, and during printing, the carriage 4 is towed by a wire or belt (not shown) and moves laterally. 5 is provided in the middle of the passbook conveyance path 2, and in order to detect the opened page of the passbook and the line to be printed on this page, it reads the page mark printed on each page of the passbook and also detects the printed lines. A detecting optical sensor 6 is installed on the passbook transport path 2 with its top facing upward, and a magnetic head reads and writes data recorded on the magnetic stripe of the passbook.
Reference numeral 7 denotes a magnetic stripe destroying device 8a, 8b, 9a, 9b, and 10a, 10b provided in the passbook transport path 2 between the optical sensor 5 and the magnetic head 6.
1 is a conveyor belt which is a passbook conveying means, and the passbook is sandwiched between it and another pair of conveyor belts placed below it, and the passbook insertion/ejection port 11 of the passbook conveyance path 2 and the printing position by the print head 1 are adjusted. Transport the passbook between. 12 is a passbook with a magnetic stripe 13 pasted on its front or back cover.

FIGS. 2 and 3 show details of the magnetic stripe destroying device 7. Reference numeral 14 is a star-shaped knife roller with a sharp edge at the tip, and a lever 16 rotatable about a shaft 15. It is rotatably attached to the tip and can be seen into the passbook conveyance path through an opening 17a provided in the lower running guide 17 forming the bottom of the passbook conveyance path.
A pressure roller 18 is disposed opposite the knife roller 14, and is rotatably attached to the tip of a lever 20 that is rotatable about a shaft 19. 21 is a plunger magnet attached to the side of the passbook conveyance path, and plunger 2
2 and its return spring 23, and the plunger 22 is connected to two links 24, 25. The link 24 is connected to the lever 16 via a shaft 26.
The link 25 is connected to the center of the lever 20 via a shaft 27.

When the plunger magnet 21 is not operating, the plunger 22 protrudes, causing the link 2 to
The levers 16 and 20 are both connected to the shaft 1 via 4 and 25.
As a result of the knife roller 14 and the pressure roller 18 being rotated counterclockwise and clockwise around the rollers 5 and 19, respectively, the knife roller 14 and the pressure roller 18 are at positions separated from each other. When the plunger magnet 21 is excited, the plunger 22 is pulled against the return spring 23, and the link 2
As a result of the levers 16 and 20 rotating clockwise and counterclockwise via the levers 4 and 25, the knife roller 14
The pressure rollers 18 move toward each other, and can now clamp the bankbook 12. Alternatively, a mini-pitch belt 28 may be placed around the knife roller 14 so that the knife roller 14 rotates in synchronization with the conveyance of the passbook 12.

The handling of the passbook 12 in the above configuration will be explained with reference to the block diagram in Fig. 4.
First, when the passbook 12 is inserted into the passbook insertion/ejection port 11, the insertion of the passbook 12 is optically detected by a passbook insertion detection sensor (not shown), and the passbook conveying device 3
3, the main control unit 30 issues a passbook inhalation command.
Based on this command, the passbook conveyance device 33 drives the conveyor belts 8a, 8b, 9a, 9b, 10a, and 10b to pull the passbook 12 into the back. On the way, the magnetic stripe 13 of the passbook 12 passes over the magnetic head 6. The magnetic head 6 reads recorded data indicating an account number, store number, etc. from the magnetic stripe 13 and supplies the read signal to the magnetic stripe reader/writer 32. Furthermore, after passing through the magnetic head 6, the passbook 12 passes through the magnetic stripe destruction device 7.
At this time, since the plunger magnet 21 of the magnetic stripe destruction device is in a non-energized state, the knife roller 14 and the pressure roller 18 are retracted to positions separated from each other to prevent damage to the magnetic stripe 13.

The optical sensor 5 initially detects the open page mark of the bankbook.
In order to read the PM (see Figure 1), it moves to the right corresponding to its printing position. The passbook 12 is inserted with the page where transaction data is to be recorded open, but since it is possible that a different page may be opened and inserted by mistake, the page mark read by the optical sensor 5 and the For example, the main control unit 30 compares page data of the current bookkeeping page recorded in advance on the magnetic stripe 13. If the two do not match, the opening of the page is considered to be a mistake and the bankbook 12 is returned; if they match, the passbook 12 is pulled into the printing position. The current page data to be recorded, read from the page mark or magnetic stripe 13 read by the optical sensor 5, is sent to the page register 34 of the print position determination circuit 34.
It is stored in a.

When the bankbook 12 is drawn into the printing section, the optical sensor 5 moves to the previous printing detection position and reads past transaction data printed on that page. When the last printing line of the previous time is found while sequentially conveying the bankbook 12, the main control unit 30 causes the bankbook conveying device 33 to feed a certain amount of bankbooks 12 and then stops. In this position, the line to be newly printed on the passbook is directly below print head 1. Further, the final print line number is set in the line counter 34b of the print position determination circuit 34.

The main control section 30 transmits the recorded data of the magnetic stripe 13 read as described above and the transaction data inputted from the keyboard (not shown) to the center via the communication control section 31 and the communication line. The center refers to and updates the customer information file based on the transmitted data, and if there is unrecorded data, it edits this data and the data for the current transaction and transmits it. The received printing transaction data is given to the printing device 35 by the main control section 30, and each time one line is printed by the printing head 1 of the printing device 35, the passbook conveying device 33 transfers the conveying belts 8a, 8b, 9a,
Drive 9b, 10a, 10b to read one line of passbook 12
transport. At the same time, the line counter 34b is counted up when one line is printed, and its contents are taken into the main control section 30.

If printing of transaction data is finished before reaching the last page or last line of the passbook 12, the passbook 12 is sent backwards by a passbook ejection command issued from the main control unit 30 to the passbook transport device 33, and the magnetic head 6 After receiving the updated record of the magnetic stripe 13, the passbook is ejected to the passbook insertion/ejection port 11 as it is.

When transaction data has been printed to the last page and last line of the bankbook 12, the main control unit 30 detects this from the contents of the page register 34a and line counter 34b of the print position determination circuit 34, and sends the data to the bankbook transport device 33. In addition to issuing a directive to dispose of bankbooks, they will also issue a directive to destroy magnetic stripes. As a result, the passbook conveying device 33 moves the passbook 12 between the knife roller 14 and the pressure roller 18.
When passing through, the plunger magnet 21 is energized, the knife roller 14 is brought out onto the lower travel guide 17 of the passbook transport path 2, and the pressure roller 18 presses the passbook 12. As a result, passbook 12
The sharp edge of the knife roller 14 and the pressure roller 18 cause scratches 13a on the magnetic stripe 13 as shown in FIG.

Note that the method for determining that there is no longer a column for recording transaction data in the passbook is not limited to the above embodiment. The present invention can also be implemented when there are multiple accounts in a passbook and there is no column for recording transaction data for one of the accounts.

(Effects of the invention) As explained above with reference to the embodiments, the passbook handling device of the present invention can visually identify an old passbook by scratching the magnetic stripe of a passbook that no longer has a column for recording transaction data. It not only prevents misuse and misuse of the old passbook, but also prevents it from being read or written by a magnetic head, or from being transferred to or from another magnetic medium. This has the effect of simplifying the configuration and procedure for implementing the measures.

[Brief explanation of drawings]

Fig. 1 is a plan view showing the configuration of an embodiment of the present invention, Fig. 2 is a side view showing the main parts of Fig. 1, Fig. 3 is a front view of Fig. 2, and Fig. 4 is a plan view showing the configuration of an embodiment of the present invention. FIG. 5 is a block diagram of a control circuit according to an embodiment of the present invention, and is a diagram showing a broken state of a magnetic stripe in an embodiment of the present invention. 2... Passbook transport path, 7... Magnetic stripe destruction device, 12... Passbook, 13... Magnetic stripe,
14...knife roller, 18...pressure roller, 21...plunger magnet.

Claims (1)

[Scope of Utility Model Registration Request] A print head that prints transaction data on a passbook, an optical sensor that detects the open page of the passbook and printed lines on the open page, and the information recorded on the magnetic stripe of the passbook. a magnetic head for reading data on the magnetic stripe and writing data on the magnetic stripe; a passbook transport device comprising a passbook transport means and a passbook transport path for transporting the passbook to each of the above parts; and a control means for controlling each of the above parts. In the passbook handling device, the passbook conveyance device includes a magnetic stripe destruction means on its conveyance path, and the magnetic stripe destruction means includes a star-shaped roller having a sharp edge disposed at a position through which the magnetic stripe passes when conveying the passbook. , a pressure roller disposed at a position facing the star-shaped roller; a first pressing means for causing the star-shaped roller to protrude onto a conveyance surface through which a magnetic stripe passes; and a first pressing means for pressing the pressure roller against the protruding star-shaped roller. 2 pressing means, and the control unit activates the magnetic stripe destruction means to damage the magnetic stripe on the passbook being transported by the transporting means so that the magnetic stripe can be read and read visually. A passbook handling device that is characterized by being destroyed in a state where it cannot be written to.