JPH0661978B2 - Automatic transaction equipment - Google Patents

Description

The present invention relates to an automatic transaction apparatus having a function of printing transaction data on a currently used passbook and a function of issuing a new passbook.

[Conventional technology]

As a main device of a transaction system in a financial institution such as a bank, when a customer inserts a passbook and deposits or pays cash or inquires about a balance, an automatic transaction device that prints the unbooked data of past transactions on the passbook. Has been known for a long time.

In this automatic transaction device, when the last line of the last page of the pages for printing transaction data of a passbook is generally printed, the passbook is returned to the customer even if there is unbooked data, and a new passbook is created. I had been instructed to have it issued at the shop window.

However, recently, when the last line of the last page of the passbook is printed as described above, there is proposed an automatic transaction device that can return the used passbook and issue a new passbook on the spot.

This automatic transaction apparatus is provided with an accommodating section in the apparatus, and previously stores an appropriate number of new passbooks (hereinafter referred to as "new passbook") in the accommodating section, and the passbook currently in use inserted in the apparatus. When the last line of the last page of the (hereinafter referred to as "old passbook") is printed, only one new passbook is taken out from the storage section, and if there is transaction data for the unrecorded book, the new passbook is printed. The new passbook is printed on the magnetic stripe, and the magnetic stripe data read from the old passbook is written on the magnetic stripe of the new passbook and issued to the customer from the issuing port.

[Problems to be solved by the invention]

However, it is necessary to stamp the customer's seal as a notification stamp on the passbook, so even if a new passbook is issued by the automatic transaction device as described above, the stamp of the notification stamp is actually done at the window of the store. However, after all, the customer has to go to the window of the store, which is still inconvenient for the customer, and there is a problem that the issuing work of the new passbook is not abbreviated. .

[Means for solving problems]

The present invention, a passbook transport path extending from an insertion port for inserting a passbook currently in use, a passbook transport means for transporting a passbook back and forth in the passbook transport path, and a passbook transported through the passbook transport path, A page-breaking means for turning a page on the upper side of the passbook conveyance path, and a position farther from the page-breaking means as viewed from the passbook insertion opening,
Printing means for printing on the cover in the closed state or the middle sheet in the spread state of the passbook that is located above the passbook transport path and is located on the top of the passbook transport path, A passbook storage unit that stores a new passbook in parallel with the passbook conveyance path with the return unit having a column facing downward, and a new passbook from the passbook storage unit when a new passbook is issued A passbook sending means for sending to the passbook transporting path further from the printing means when viewed from the passbook insertion opening, and a storage means for storing imprint pattern data of a notification stamp imprinted on the passbook, , A new passbook in a state of being opened from the passbook insertion port, behind the passbook transport path, below the passbook transport path, and having a facing portion having a seal column sent from the passbook storage section to the passbook transport path is opened. In return And indicia copy unit consisting of a thermal head to mark copy the imprint or the like with high quality in parts, at the time of issue of the new passbook, reads the seal image pattern data from the storage means,
A control means for printing a seal imprint on the look-back portion of a new passbook by the printing means, and a passbook conveying path located behind the print means as viewed from the passbook insertion port and having the look-up portion of the passbook after printing the seal impression. And a page closing means for closing from below.

[Action]

With the above configuration, when a new passbook is issued, the new passbook is first sent out from the passbook storage unit to the passbook conveyance path, and is conveyed so that the look-back unit having the stamp field already opened is located above the printing means. .

The imprinting means imprints the imprint of the notification imprint on the imprint column of the look-back section according to the imprint pattern data read out from the storage means by the control means.

After the imprint of the seal imprint, a new passbook is conveyed to the page closing means, and here the above-mentioned back cover is closed. Then, a new passbook is conveyed below the printing means with the cover on top, and the store number, account number, customer name, etc. are printed on the cover. If there is unregistered transaction data, a new passbook is conveyed to the page turning means, the cover is turned over and the inside paper is raised, and the inside paper is again positioned below the printing means. Transport and print unrecorded transaction data.

As a result, it is possible to issue a new passbook by not only printing unregistered transaction data but also printing the registration stamp required for the passbook, improving customer service and completely saving labor of issuing new passbook. it can.

〔Example〕

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

FIG. 1 is a schematic block diagram of the automatic transaction device of the present invention, and FIG.
FIG. 1 is a side view showing the configuration of the terminal device in FIG.

In FIG. 1, reference numeral 1 denotes a terminal device, which is installed in a store such as a bank and is connected to a data processing center 4 via a line 3 by a communication control unit 2.

Reference numeral 5 denotes a main control unit of the terminal device 1. The main control unit 5 is composed of a microprocessor, a memory, etc., and is an interface control with the input / output control unit 6 and the communication control unit 2 of the terminal device 1 and a data processing center. The common operation control of data transmission / reception with 4 and transaction processing is performed.

The input / output control unit 6 is a mechanism unit that performs various operations for passbook processing, that is, a printing unit 7, a passbook transport unit 10, a page / line detection unit 12, a page turning unit 14, a magnetic stripe read / write unit 18, and a new unit. The passbook sending units 20 are connected to each other.

Among these mechanical units, the printing unit 7 prints transaction data and the like on the old passbook 9 and a new passbook described later by the print head 8 arranged on the passbook transport path, and the passbook transport unit 10 is installed in the terminal device 1. The old passbook 9 and the newly issued new passbook are conveyed by a predetermined amount in both forward and reverse directions in the passbook conveyance path by the drive control of the conveyance motor 11, and the page / line detection unit 12 is installed in the passbook conveyance path. The optical reading sensor 13 detects page data and print lines of the old passbook 9 and the new passbook.
In addition, the page-turning unit 14 is activated by the solenoid 15 to operate the page-turning roller 16 in the passbook conveyance path.
The page turning roller 16 is rotated by the motor 17 to turn the old passbook 9 and the new passbook page by page, and the magnetic stripe read / write unit 18 is a magnetic stripe on the old passbook 9 by the magnetic head 19 installed in the passbook conveyance path. The recorded data of the new passbook or the write data to the magnetic stripe of the new passbook, and the new passbook sending unit 20 drives the motor 22 from the passbook storage unit 21 such as a hopper that accommodates the new passbook to carry the passbook. Send a new passbook to the street.

The imprinting section 23 imprints the imprint of the notification stamp on a predetermined imprint field of the new passbook 25 by means of the imprint head 24 disposed upward on the passbook conveyance path.

On the other hand, in the data processing center 4, the transaction data transmitted from each end device 1 via the line 3 is processed by the central processing unit 2
6, the customer data file 27 is accessed based on the account number data in the transaction data, the transaction permission judgment process and the update of the file data are performed.
At the same time, transaction data such as a transaction permission response, passbook entry data, magnetic stripe update data, and imprint pattern data of a notification stamp are transmitted to the terminal device.

At the time of transaction such as deposit and entry of unregistered data, the page to be printed of the old passbook 9 is opened, and the passbook is inserted into the insertion port 28 of the terminal device 1 shown in FIG. As shown in FIG. 3 (A), the old passbook 9 has a magnetic stripe 29 on the back cover of which transaction data such as an account number is magnetically recorded, and the back cover has a FIG. As shown in B), the stamp column 30 of the contractor's notification stamp, the signature column 31 in the case of a signature type passbook, the issue date column 32 of the passbook, the bank store name and store code, etc. An item 33 to be performed and a page mark PM are provided.

When the old passbook 9 is inserted, a passbook detection sensor (not shown) arranged in the vicinity of the insertion port 28 detects this,
A forward rotation command is sent to the transport motor 11 of the passbook transport unit 10. As shown in FIG. 2, the passbook transport unit 10 has transport belts 34, 35 and 36, 3 above and below a passbook transport path extending from the insertion port 28 toward the back of the terminal device 1.
7, the conveyor belts 34 to 37 are respectively wound around a plurality of rollers including rollers driven by the conveyor motor 11 and the old passbook 9 or It is designed to hold and carry a new passbook.

The magnetic head 19 of the magnetic stripe write unit 18 is arranged upward at a predetermined position in the passbook transport path.
The old passbook 9 conveyed as described above passes over the magnetic head 19 and reaches the printing unit 7.

The printing unit 7 is arranged downward above the passbook conveyance path and prints while performing reciprocating movement in a direction orthogonal to the passbook conveyance path, and a black ink arranged immediately before the tip of the printing head 8. A ribbon A1 and a red ink ribbon A2 are provided. Here, the print head 8 is mounted on the same carriage frame together with the optical reading sensor 13 of the page / line detection unit 12, and the old optical reading sensor 13 is used. In case of page mark and printed line detection of passbook 9,
These are moved to a position that does not interfere with reading. As the print head 8, a so-called impact type dot print head or a thermal transfer type thermal head in which a large number of raw dots are printed in a matrix to express characters, symbols, figures and the like can be used.

A page-turning roller 16 of the page-turning unit 14 is arranged in front of the printing unit 7, and when printing of all lines of the opened page of the old passbook 9 is completed, the old passbook 9 is directly below the page-turning roller 16. Then, the page turning is performed by driving a solenoid 15 and a motor 17 (not shown).

Next, the process of issuing a new passbook will be described.

The passbook storage unit 21 is located on the far side in the direction perpendicular to the passbook transport path, and the new passbooks 25 stored in the interior thereof with the back cover open are stored one by one by a mechanism (not shown). It has a function of feeding the paper as shown in FIG. 4 with the back cover opened in a direction perpendicular to.

That is, the back cover is opened on the above-mentioned conveyance path, and the passbook looking-back portion shown in FIG. 3 (B) is set downward.

The printing head 24, which prints a seal image or the like on the new passbook 25 set at the above-mentioned position, is arranged upward below the passbook conveyance path and performs reciprocating movement in a direction orthogonal to the passbook conveyance path to perform the printing. .

The printing head 24 is a thermal head composed of, for example, 24 dots, and is controlled by the printing unit 23. However, since the imprint needs to be printed clearly in detail, for example, it is 32 by a known technique. Expressed in gradation. Normally, the facing portion of the passbook booklet is formed of plain paper, but the facing portion of the new passbook 25 according to the present invention is made of thermal paper.

In addition, as another embodiment, the facing portion of the new passbook 25 is made of plain paper as usual, and a thermal transfer ribbon (not shown) is added, thereby adopting the conventional so-called thermal transfer system. Similarly, a seal image or the like can be printed.

That is, as shown in FIG. 4, the passbook is fixed by the passbook retainer 38 provided on the passbook transport path, and the print head 24 is printed.
To print.

It should be noted that, in the process of this operation, it is also possible to simultaneously write other matters to be written in the back cover of the passbook at the time of issuance, such as signature, date, bank store name, store code, etc., by the copying means. By doing this, banks and the like conventionally managed separately printed passbooks for each store, but it is sufficient to prepare a unified passbook regardless of each store, which greatly contributes to labor saving of management.

Next, after the passbook-specific data is entered in the back cover facing section in the above process, the page closing unit having the function of closing the back cover of the opened and supplied passbook in the process from FIG. 4 to FIG. 40 will be described.

The new passbook 25, which has been printed in FIG. 4, advances in the direction of arrow 39 as shown in FIG. 5, and enters the closed page process according to the blade 41 fixed in the state shown in the figure.

The perforation (center hold) part of the passbook is blade 41
When the blade 41 approaches, the blade 41 rotates in synchronization with the progress of the passbook 25 by the power of a motor or the like (not shown), and stops again at the position shown in FIG.

When the passbook reaches the position shown in FIG.
It further rotates in the direction of 2, and stops again at the position shown in FIG. 7, and guides the movement of the new passbook 25 in the direction of arrow 43 using the back surface of the blade 41 as a guide.

Through the steps of FIGS. 4 to 7, the new passbook 25 initially opened downward and supplied completes the closing of pages.

Next, the operation of the above configuration will be described with reference to the flow chart shown in FIG.

First, when a transaction is executed, the transaction data to be printed on the old passbook 9 is transmitted from the data processing sensor 4 to the terminal device 1. In the terminal device 1, the old passbook 9 already inserted as described above is conveyed to the printing unit 7, and during this time, the optical reading sensor 13 causes the page mark PM (third mark) of the page in which the old passbook 9 is opened.
(See the drawing), the printed line of the page is detected, and the next line to be printed is positioned at the printing position immediately below the printing head 8.

As described above, the optical reading sensor 13 is mounted on the carriage together with the printing head 8 and is movable in the direction orthogonal to the transport direction of the old passbook 9, so that the page mark is read and the printed line is printed. At the time of detection, the carriages are moved to the respective reading positions.

On the other hand, the transaction data transmitted to the terminal device 1 as described above is temporarily stored in the memory in the main control unit 5, and when printing is started, it is transferred to the printing unit 7 line by line and the printing head 8 is used. It is printed on the old passbook 9. This transaction data is printed using the black ink ribbon A1. When the printing of one line is completed, the old passbook 9 is fed by one line by the operation of the passbook transport unit 10, and the line to be printed next is positioned at the printing position.

The data indicating the line to be printed of the old passbook 9 is stored in the memory in the main control unit 5 together with the read page mark data, and the data of the line to be printed is updated every time the line is updated.

Even if the printing of the transaction data is completed, if the final print position has not reached the final line of the final page, the old passbook 9 is conveyed in the reverse direction from the printing unit 7 after the printing and is updated by the magnetic head 19 on the way. Data is the old passbook 9 magnetic stripe 26
After being written in, it is discharged to the insertion port 28.

Although not shown in FIG. 8, the old passbook 9 is turned over by the passbook transport unit 10 even if all the lines of the page opened first are performed and unrecorded transaction data remains. Sent to section 14. In the page turning unit 14, when the old passbook is sent, the page turning roller 16 is moved downward by the solenoid 15 so as to be pressed against the old passbook 9, and the page turning roller 16 is rotated by the motor 17 to turn the pages of the old passbook 9. Turn to the next page. After that, the rotation of the page-turning roller 16 is stopped and the solenoid 15 retreats upward, the old passbook 9 is returned to the printing unit 7, and the remaining transaction data is printed by the printing head 8. At this time, the page mark PM of the page opened as described above is read by the optical reading sensor 13, and the page data stored in the memory of the main control unit 5 is updated. If the final position of the transaction data has not reached the last line of the last page of the old passbook 9 even after all the transaction data has been printed, the old passbook 9 is discharged to the insertion port 28 in the same manner as described above.

On the other hand, when the transaction data is printed on the last line of the last page of the old passbook 9, if there is still unrecorded transaction data, the old passbook 9 is first ejected to the insertion slot 28. At this time, the magnetic recording data recorded on the magnetic stripe 26 of the old passbook 9 is read by the magnetic head 19.

When the discharge of the old passbook 9 is detected, only one new passbook 25 is sent from the sending unit 20 of the new passbook to the position shown in FIG.

On the other hand, the main control unit 5 of the terminal device 1 should print or print on the front cover and back cover back cover of the new passbook 25 at the data processing center 4 when the printing on the old passbook 9 reaches the final line as described above. Send a passbook specific data transmission request. As a result, in the data processing center 4, the customer data file 27
To read and send specific data regarding the current passbook. These specific data are once stored in the memory in the main control unit 5, and when the new passbook 25 is printed or positioned at the printing position, it is pre-stored in the terminal memory by the clerk in advance such as date and store data. It is transferred together with the issuer-side specific data to the printing section or the printing section and is recorded in the new passbook 25.

Next, the new passbook 25 is sent to the page closing process described above. The new passbook 25 is transferred from the direction shown in FIG. 4 to FIG. 6 and the back cover which has been opened is closed by the page closing control section 40 being rotated counterclockwise or stopped.

The closed new passbook 25 is transferred to the print position, and FIG.
Enter the specific data to be printed on the passbook cover as shown in (A).

If there is no unrecorded book data, the new passbook 25 is conveyed toward the insertion slot 28, and on the way, all the magnetic recording data read from the old passbook 9 is read by the magnetic head 19 on the magnetic stripe 26 of the new passbook 25. After being written, the insertion port 28
Is discharged to.

On the other hand, if there is unregistered transaction data, the new passbook 25 is returned to the position of the page turning unit 14, and the page turning roller 16 turns the page.

When the page turning is completed, the new passbook 25 is again printed on the printing unit 7.
Be transported to. When the new passbook 25 is conveyed to the printing unit 7, the page mark PM of the opened page is read by the optical reading sensor 13 to confirm that the first page to be printed is opened. To do. After checking this page, the unrecorded transaction data is transferred from the main control unit 5 to the printing unit 7, and the print head 8 prints the transaction data on the new passbook 25. Printing in this case is performed using the black ink ribbon A1.

The red ribbon A2 is used when the deposit balance is negative.

In this way, when printing of all transaction data is completed, the new passbook 25 is conveyed toward the insertion slot 28, and the magnetic recording data read from the old passbook 9 is written on the magnetic stripe 26 in the middle thereof, as in the case described above. After being inserted, it is discharged from the insertion port 28.

As described above, in the present embodiment, before the printing of transaction data is completed, if the print field of the old passbook is full and there is still transaction data, the new passbook is taken out of the passbook storage unit and stored in this new passbook. Not only the customer imprint of the customer's notification seal is printed, but also the customer specific data to be entered on the cover, etc., as well as the specific data of the issuer of the bank, etc. Since the magnetic recording data is also written and discharged to the insertion slot 28, the issuing work of the new passbook 25 can be automatically performed by a machine in a complete form.

In the above-mentioned embodiment, the old passbook is discharged before the new passbook is issued, but in order to prevent the customer from forgetting to take the new passbook, the evacuation unit is provided in the terminal device and the old passbook after printing is provided. May be temporarily saved in this save section, and after performing all printing, magnetic recording, etc., required for the new passbook, the old passbook may be discharged together with the new passbook.

Further, in the above-described embodiment, the seal imprint pattern data is read by accessing the customer data file of the data processing sensor, but the seal imprint pattern of the old passbook is finely divided and read by the optical sensor, and this is read in the terminal device. Alternatively, the imprint pattern data may be stored in the memory and read out from the memory when printing on a new passbook and transmitted to the printing unit for printing.

〔The invention's effect〕

In the present invention described above, in advance, a look-back section having a stamp field is opened and stored in a new passbook storage section, and at the time of issuing a new passbook, a new passbook is stored from the passbook storage section.
With the look-back section with the stamp field open, send it out to the passbook conveyance path, copy the imprint of the customer's notification stamp on the stamp field of the look-back section, and enter the specific data and issue date of the issuer side. In addition, by printing and issuing specific data other than the imprint of the customer, the new passbook is not only issued to the customer at the end of printing in the print column of the old passbook, but also the new passbook. Even the seal of the notification stamp can be processed unattended and issued in perfect form.

Therefore, the customer does not have to go to the counter of the store to seal the new passbook, the service to the customer can be further improved, and the labor of issuing the new passbook can be saved in the bank etc. effective.

In addition, the present invention pre-opens the facing portion having a new passbook stamp field, and stores it so that the facing portion faces downward.
In addition, since the printing means for printing on the cover or inside paper is placed on the upper side across the passbook conveyance path, and the printing means for printing the seal imprint on the marking field of the facing section is arranged on the lower side, respectively, the printing of the facing section and the cover is performed. Since it is not necessary to perform a page turning operation accompanied by page recognition in the meantime, the issuing processing time can be shortened.

Also, in the past, when it was necessary to turn pages during the printing of transaction data, the passbook was returned to the insertion slot to allow the customer to turn the pages, and then reinserted to continue printing. In the invention, since the page turning roller arranged in the terminal device can turn the page of the passbook,
There is also an advantage that the printing time can be shortened by that much without any trouble for the customer.

[Brief description of drawings]

FIG. 1 is an overall block diagram showing an embodiment of an automatic transaction device according to the present invention, FIG. 2 is a side view showing a mechanical structural portion of a terminal device in FIG. 1, and FIG. 3 (A) is a passbook. FIG. 3B is a plan view showing a closed state, FIG. 3B is a plan view showing an open state of the passbook, and FIGS. 4 to 7 are side views showing the operating state of the page closing mechanism of the back cover of the passbook. FIG. 8 is a flow chart showing the order of operations. 1 ... Terminal device, 5 ... Main control unit, 8 ... Print head,
9 ... Old passbook, 13 ... Optical reading sensor, 16 ... Page turning roller, 19 ... Magnetic head, 21 ... Passbook storage unit, 27 ... Customer data file, 25 ... New passbook, 2
8 ... Insertion slot, 41 ... Blade

Continuation of front page (56) Reference JP-A-57-209566 (JP, A) JP-A-58-214977 (JP, A) JP-A-57-115381 (JP, A) JP-A-57-178581 (JP , A) Japanese Unexamined Patent Publication No. 57-203171 (JP, A) Actual development No. 52-37995 (JP, U)

Claims (2)

[Claims] 1. A passbook transport path extending from an insertion slot for inserting a passbook currently in use, a passbook transport means for transporting a passbook back and forth in the passbook transport path, and a page of a passbook transported through the passbook transport path. A page-breaking means for turning over and a print for printing on the cover in the closed state or the middle sheet in the spread state of the passbook which is located farther than the page-breaking means as viewed from the passbook insertion port and is transported through the passbook transport path. And a passbook storage section for storing a new passbook in parallel with the passbook transport path by opening a facing section having a stamp field in advance, and a new passbook from the passbook storage section when a new passbook is issued. With the back cover open, a passbook sending means for sending to the passbook transporting path farther from the printing means as seen from the passbook insertion port, and a storage means for storing the seal imprint pattern data of the notification stamp imprinted on the passbook, A seal image or the like is formed in high quality on the facing portion of a new passbook in a state in which the facing portion having the marking column sent from the passbook storing portion to the passbook transporting path is located behind the printing means when viewed from the booklet insertion opening. A printing means comprising a thermal head for printing; a control means for reading the seal imprint pattern data from the storage means when a new passbook is issued and printing the seal imprint on the look-back portion of the new passbook by the printing means; An automatic transaction apparatus, characterized in that it comprises a page closing means located behind the printing means as viewed from the insertion opening and closing the look-back portion of the passbook after printing the seal image. 2. A passbook transport path extending from an insertion slot for inserting a passbook currently in use, a passbook transport means for transporting the passbook back and forth in the passbook transport path, and a passbook transported through the passbook transport path. , A page break means for turning pages on the upper side of the passbook transport path, and a passbook which is located on the upper side of the passbook transport path and behind the page break means as viewed from the passbook insertion port, A printing unit that prints on the cover in the closed state or the middle sheet in the spread state, and opens the facing section that has a stamped column in advance and is located above the passbook conveyance path, and conveys the facing section downwards. A passbook storage unit for storing a new passbook in parallel with the passage, and a new passbook when the new passbook is issued, the printing unit when viewed from the passbook insertion port with the back cover unit having a stamp column opened Carrying a passbook at the back A passbook sending means for sending to the path, a storage means for storing the imprint pattern data of the notification stamp imprinted on the passbook, and a position behind the printing means as seen from the passbook insertion port and below the passbook transport path, A printing means including a thermal head that prints a seal image or the like on the facing part of the new passbook in a state in which the facing part having the marking field sent from the passbook storing part to the passbook transport path is opened, and a new passbook. At the time of issuance, the seal imprint pattern data is read from the storage means, the control means for imprinting the seal imprint on the look-back portion of the new passbook by the imprinting means, and the imprinting means being located farther from the imprinting means as seen from the passbook insertion opening An automatic transaction device, comprising: a page closing means for closing the back portion of the passbook after printing the seal imprint from the lower side of the passbook conveyance path.