JPH05242338A - Bankbook paying device - Google Patents

Abstract

PURPOSE:To provide a bankbook paying device capable of attaining paying transaction only by the use of a bankbook and storing the record of the bankbook and having excellent convenience and safeness. CONSTITUTION:The bankbook paying device 22 is provided with an account number/seal slip reading part 11 for reading out an account number and a seal slip recorded in a bankbook and a journal printing part 23 for printing out the account number and the seal slip read out by the reading part 11. The printing part 23 prints out data in journal paper for a bank copy, so that the record of the used bankbook is stored.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a passbook payment apparatus installed in a financial institution or the like and capable of making a payment transaction using a passbook.

[0002]

2. Description of the Related Art In recent years, in financial institutions such as banks, automatic payment devices capable of automatically performing payment operations have become widespread and widely used. If you use these automated payment devices,
Whether to use a card and passbook that records customer information (Patent Fair 2
-15900), or using only a card (see Japanese Examined Patent Publication No. 3-30904), in any case, the card is used for the payment transaction.

[0003]

However, the above-mentioned conventional device has a problem in that if the user brings only the passbook to the financial institution and forgets the card, payment transaction cannot be performed.

There is also a problem that enabling payment transactions only by using a passbook causes a crime by a third party because no transaction record is left on the bank side.

The present invention has been made in view of the above problems, and an object of the present invention is to make a payment transaction only with a passbook and to leave a record of the passbook at the time of the transaction, which is excellent in convenience and safety. It is to provide a payment device.

[0006]

In order to solve the above-mentioned problems, the present invention is a passbook payment apparatus which reads a magnetic stripe attached to a passbook and executes a payment transaction based on customer information read from the magnetic stripe. Therefore, the reading means for reading the customer authentication information written in the passbook and the printing means for printing the read customer authentication information on the copy sheet are provided.

As a second invention, in addition to the above means, an identification mark for identifying the presence or absence of customer authentication information,
The recognition means for recognizing the identification mark and the control means for terminating the payment transaction when there is no customer authentication information according to the recognition result of the recognition means are provided.

[0008]

When the passbook is inserted into the passbook payment device, the customer information is read from the magnetic stripe and the payment transaction is performed based on this customer information. At that time, the customer authentication information written in the passbook is read by the reading means. Then, the read customer authentication information is printed on the bank backing sheet by the printing means. As a result, the used passbook is recorded.

Further, when the identification mark and the recognition means for recognizing the identification mark are provided, the payment transaction is not performed without the customer authentication information. Therefore, when the passbook used is not specified, the transaction is not performed. It is not possible to prevent unauthorized use by a third party.

[0010]

Embodiments of the present invention will be described below with reference to the drawings. Note that elements common to the drawings are given the same reference numerals.

FIG. 1 is a block diagram showing a passbook payment apparatus according to the first embodiment of the present invention, and FIG. 2 is a schematic side view showing a passbook entry unit of the first embodiment. First, the first embodiment will be described. ..

First, the passbook entry section will be described with reference to FIG. 2. First, an insertion slot 2 is provided on the left side of the passbook entry section 1, and a passbook 3 is inserted therein. A transport section 4 is provided inside the insertion slot 2, and a page / row confirmation section 5 and a middle paper printing section 5 are provided further inside thereof. The conveyor 4 includes pulleys 7a, 7b, 7c and 7d and a pair of belts 8a and 8a.
b is wound, and the passbook 3 is conveyed by being sandwiched between the pair of belts 8a and 8b. Further, a magnetic head 9 is arranged in the transport section 4 so as to face the transport position of the passbook 3. The page / line confirmation unit 5 is composed of an optical sensor and reads the page and line of the passbook 3. The inside paper printing unit 6 includes a print head 6a and a platen 6b, and prints on the passbook 3.

A back-sheet breaker 10 is provided at the back of the back-printer 6 to turn the middle-sheet of the passbook 3 by a page-break roller 10a. An account number / seal stamp reading unit 11 is provided behind it. The account number / seal stamp reading unit 11 is composed of an optical sensor, and reads the account number, store number, and seal stamp (described later) described or attached to the passbook 3. Further, a passbook taking section 12 is formed at the innermost portion, and the passbook taking section 12 takes in a passbook that the customer forgets to take or an illegal passbook that cannot be traded. Further, the passbook entry section 1 is provided with transport rollers 13 for transporting the passbook 3 at various places.

Next, the configuration of the first embodiment will be described with reference to FIG. In FIG. 1, the control unit 21 is configured by a microcomputer or a logic circuit, and the passbook payment device 2
2 Control the whole. The control unit 21 is connected to each unit of the passbook entry unit 1 described above, and the control unit 21 controls each of these units. The control unit 21 is connected to the journal printing unit 23, the customer operation unit 24, and the bill dispensing unit 25.
Controls these.

The journal printing unit 23 prints the transaction contents on the bank paper for journaling stored in the device 22. The customer operation unit 24 is used by the customer to input a personal identification number and an amount of money, and is composed of a touch sensor type display. The banknote dispensing unit 25 stores the banknotes and discharges the banknote of the amount designated by the command of the control unit 21 to the customer.

The control unit 21 is also connected to a center computer 28 via a line control unit 26 and a communication line 27. Information about customers is stored in the center computer 28 as a file.

Next, the passbook 3 used for the transaction is shown in FIG.
Will be explained. In the figure, the back cover 3a of the passbook 3
A magnetic stripe 29, on which the information of the customer (passbook owner) is written, is attached to. On the last page 3b of the middle paper, the customer account number 30 and the bank store number 31 are written.
The customer's seal stamp 32 is attached by a sticker.

Next, the operation of the first embodiment will be described with reference to the flow chart shown in FIG. FIG. 4 is a flowchart showing the operation of the first embodiment.

To make a payment transaction, the customer first presses the refund touch key of the customer operation unit 24 (step 1). Next, the passbook 3 is inserted into the insertion slot 2 of the passbook entry section 1 (step 2). The passbook 3 includes belts 8a and 8b of the transport unit 4.
The magnetic head 9 reads data from the magnetic stripe 29 of the passbook 3 at this time (step 3). The magnetic stripe 29 stores the customer's name, account number, and handling bank name as codes, and these information can be read. The read information is sent from the control unit 21 to the center computer 28 via the line control unit 26.

The customer then inputs the personal identification number from the customer operation unit 24 (step 4). The entered personal identification number is sent to the center computer 28 by the control unit 21. At the center computer 28, the personal identification number stored in the file is read from the customer information sent in step 3, and the personal identification number entered by the customer is collated to confirm the identity. As a result, if the person is confirmed to be the principal, a signal to that effect is sent to the passbook payment device 22 (step 5).

Next, the customer inputs the payment amount from the customer operation unit 24 (step 6). The control unit 21 displays the input amount of money on the display of the customer operation unit 24 and prompts the customer for confirmation. When the customer presses the confirmation key (step 7),
Next, the page / line confirmation unit 5 of the passbook entry unit 1 recognizes the opened page of the passbook 3 (step 8). Next, the passbook 3 is conveyed to the inside paper page breaker 10, where the inside paper is turned up and the final page 3b shown in FIG. 3 is opened (step 9). In this state, the passbook 3 is sent to the account number / seal stamp reading section 11, where the account number 30, store number 31, and seal stamp 32 shown in FIG. 3 are optically read (step 10). The read image data is sent to the control unit 21.

Next, the passbook 3 is returned to the inside paper page breaker 10 and the inside paper is turned to the page where the transaction data should be printed (step 11). Then, the transaction data is printed on the inside paper by the print head 6a. Further, the image data read by the account number / seal stamp reading unit 11 is sent from the control unit 21 to the journal printing unit 23, where it is printed on the journal paper 33 as shown in FIG. On the other hand, after confirming in step 7,
The bill dispenser 25 counts and dispenses bills of a designated amount (step 12). After printing the transaction data in the passbook entry section 1, the passbook 3 is sent back to the insertion slot 2 by the transport section 4 and returned to the customer (step 13). Further, the delivered bills are discharged to the customer receiving position (step 14), and the transaction ends.

As described above, in the present embodiment, the payment transaction can be performed only by using the passbook, and the stamp portion which is the physical evidence of the passbook used for the journal paper 33 at the time of the transaction is printed. In the above example, the account number
The transaction data is printed on the passbook 3 after being read by the seal stamp reading unit 11, but it goes without saying that the order may be reversed.

Next, a second embodiment according to the present invention will be described.
FIG. 6 is an explanatory diagram showing a passbook used in the passbook payment apparatus according to the second embodiment. The passbook 3 is provided with a bar code 35 for indicating whether or not there is a seal stamp 32. As shown in FIG. 7, the barcode 35 is attached to the seal stamp 36 that is attached to and protects the seal stamp 32. If the passbook 3 does not have the seal stamp 32, the barcode 35 does not exist. Become.

The other structure of the second embodiment is similar to that of the first embodiment. Therefore, the operation of the second embodiment will be described with reference to the flow chart shown in FIG. 8 by diverting FIGS. 1 and 2 of the first embodiment.

Steps 21 to 25 after the start of transaction
The steps up to are the same as steps 1 to 5 of the first embodiment. When the coincidence of the personal identification number is obtained in step 25, the passbook 3 recognizes the page opened by the page / line confirmation section 5 of the passbook entry section 1 (step 26), and is then conveyed to the middle paper page break section 10. It Here, the page break rollers 10a turn up the inside paper, and the final page shown in FIG. 6 is opened (step 27). Next, in this state, it is sent to the account number / seal stamp slip reading section 11, and the bar code 35 of the seal sticker 36 is read here (step 28). If there is no barcode 35, that is, if there is no seal stamp 32, the control unit 21 stops the transaction and returns the passbook 3 to the customer (step 29). If you have a bar code 35, continue with account number 30, store number 3
1. The seal stamp 32 is read (step 30), and the read image data is sent to the control unit 21.

On the other hand, the customer inputs the amount of money using the customer operation unit 24 (step 31), and subsequently presses the confirmation key (step 32). The passbook 3 is returned to the page / line confirmation unit 5, and the page opened here is recognized (step 33). Next, the passbook 3 is conveyed in this state to the inside paper page breaker 10, where the inside paper is turned to the page where the transaction data should be printed (step 34). Next, the inside paper printing unit 6 prints the transaction data. Also, as in the first embodiment, the image data read by the account number and seal stamp reading unit 11 is the journal printing unit 23.
Is printed on the journal paper 33. This printing example is shown in FIG.
Shown in. Further, the bill with the designated amount is dispensed from the bill dispensing unit 25 (step 35). When the customer receives the bankbook 3 and the banknotes (steps 36 and 37),
The transaction ends.

As described above, in the second embodiment, if the passbook 3 does not have the seal stamp 32, the payment transaction is impossible. When the payment transaction is performed with the passbook 3 which is not registered with the seal stamp, the physical evidence of the passbook 3 used is not recorded, which is prevented in the second embodiment.

[0029]

As described in detail above, according to the present invention, the seal stamp or the like of the passbook is read and printed on the journal paper for the bank side, so that the payment transaction using only the passbook is used. This is made possible by recording the physical evidence of the passbook you made. Therefore, it is possible not only to make a payment transaction even when you bring only a passbook and forget the card, but it is possible to prevent crimes by a third party.

[Brief description of drawings]

FIG. 1 is a block diagram showing a passbook payment apparatus according to a first embodiment of the present invention.

FIG. 2 is a schematic side view showing a passbook entry unit of the first embodiment.

FIG. 3 is an explanatory view showing a passbook.

FIG. 4 is a flowchart showing the operation of the first embodiment.

FIG. 5 is an explanatory diagram showing a print example of journal paper.

FIG. 6 is an explanatory diagram showing a passbook according to a second embodiment.

FIG. 7 is a diagram showing a seal stamp.

FIG. 8 is a flowchart showing the operation of the second embodiment.

FIG. 9 is an explanatory diagram showing a journal print example of the second embodiment.

[Explanation of symbols]

 3 Passbook 9 Magnetic head 11 Account number / seal stamp reading unit 23 Journal printing unit 29 Magnetic stripe

Claims (2)

[Claims] 1. A passbook payment device for reading a magnetic stripe attached to a passbook and executing a payment transaction on the basis of customer information read from the magnetic stripe, the reading device reading the customer authentication information written in the passbook. A passbook payment apparatus comprising: a printing unit that prints the read customer authentication information on a copy sheet. 2. A passbook payment device for reading a magnetic stripe attached to a passbook and executing a payment transaction based on customer information read from the magnetic stripe, the reading device reading the customer authentication information written in the passbook. , A printing means for printing the read customer authentication information on a copy sheet, an identification mark for identifying the presence or absence of the customer authentication information, a recognition means for recognizing the identification mark, and the presence or absence of the customer authentication information according to the recognition result of the recognition means. And a control means for controlling whether or not payment transaction is possible.