JPH0785194A - Securities processing unit - Google Patents

Abstract

PURPOSE:To realize a means effective to avoidance of trouble by recording fault information of securities to the securities when abnormity is discriminated from securities information recorded on the securities. CONSTITUTION:A CPU 20 controls driving of each circuit device along with a program stored in a ROM 21 and a RAM 22 records abnormity information representing a content of abnormity of an abnormal check 11 in addition to storage of required processing data. A magnetic head section 23 is made up of magnetic heads 16, 17 and inputs read magnetic data to the CPU 20. A carrying section 24 applies drive control to a carrier line 14. A printer 18 prints out abnormity information representing the content of abnormity to a predetermined area of the abnormal check 11. A journal processing section 25 prints out abnormity information representing the content of abnormity of the abnormal check 11 onto journal paper. A transmission control section 26 executes transmission reception of data to/from a host control section of an automatic deposit payment machine main body and receives a confirmation signal or the like depositted by the check 11, for example, from the host control section.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a securities processing apparatus which is built in, for example, an automatic teller machine used in a financial institution and accepts a check inserted by a customer.

[0002]

2. Description of the Related Art The above-mentioned securities include bills, stock certificates, bonds, etc. in addition to checks. Explaining the above-mentioned checks, however, the prescribed valid information indicating the validity and the amount indicating the amount. Print ticket information such as information with magnetic characters,
This is put into an automatic teller machine (ATM) and the AT
The check is taken in by the check processing device that magnetically reads the magnetic characters by taking the check on the M side, and if there is no abnormality in the ticket information, deposit processing is performed and the check is stored.

In the above-mentioned reading of magnetic characters, if there is a missing character in the magnetic character indicating the ticket information, the reading process will be unsuccessful in reading. The missing part of the character is, for example, the branch number of the issuing bank or the total number. For example, if the information is unimportant, there is no problem in handling the check as valid,
Therefore, it is possible to accept checks with missing characters to improve service.

However, if the magnetic characters on which information is printed as described above have a missing character, the post-processing work on the bank side is to remove the missing character check from the accumulated check group.
Further, it is necessary to confirm the character missing state and record and count the character missing state, which is a troublesome task.

When trouble occurs during settlement,
Although it is necessary to conduct a retrospective investigation when the check is accepted, there is a problem that clear evidence cannot be left when the check is accepted.

[0006]

SUMMARY OF THE INVENTION According to the present invention, when an abnormality is determined in securities ticket information, it is recorded in a medium to facilitate post-processing work and leave it as evidence. It is an object of the present invention to provide a securities processing device that can be used as an effective means for avoiding troubles.

[0007]

According to the present invention, there is provided reading means for reading ticket information recorded on securities, and abnormality determining means for determining abnormality of the ticket information read by the reading means.
For example, when recording means for recording information on a medium such as a memory, a journal, securities itself, etc., and when the abnormality determining means determines abnormality in the ticket information read by the reading means, the recording means stores the abnormality information of the ticket on the medium. The securities processing device is provided with a control unit for controlling recording. further,
A securities processing device provided with distribution means for guiding abnormal securities, and provided with control means for distributing the abnormal securities from normal securities when the abnormality judging means judges an abnormality. It is characterized by

[0008]

According to the present invention, when abnormality is judged in the ticket information recorded in the securities, the abnormality information of the ticket is recorded in the memory, the journal for leaving transaction information, and the securities itself. Then, when trouble occurs, this record can be used as evidence and can be an effective means for avoiding trouble.

Further, in the case of artificially sorting the abnormal securities in the post-processing work, if the abnormal information is recorded in the securities themselves, by visually confirming this information, a quick and reliable sorting work can be carried out, and further sorting can be performed. When the abnormal securities are distributed by means, no manual sorting work is required.

[0010]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to the drawings. The drawing shows a check processing device incorporated in an automated teller machine to accept and process checks that are input by a customer. In FIG. 1, the check 1 of the check processing device 10 is shown.
A transfer line 14 composed of a pair of transfer belts 13 and 13 facing each other is formed inside the input port 12 for inputting 1, and the transfer line 14 is input by being rotated in forward and reverse directions by an appropriate drive motor. The check 11 is forward and reverse conveyed in order to retrieve or return the check 11.

A transfer line 14 inside the above-mentioned inlet 12.
A sensor 15 for detecting the input of the check 11, a first magnetic head 16 for magnetizing the magnetic characters of the check 11, a second magnetic head 17 for reading the magnetized magnetic characters, and a predetermined position of the check 11 are provided above. A printer 18 for printing abnormality information of the check 11 is arranged, and a storage section 19 for storing the check 11 is connected to the end of the transport line 14.

FIG. 2 shows a control circuit of the above-mentioned check processing device 10. The CPU 20 drives and controls each circuit device according to a program stored in the ROM 21, and the RAM 22 stores abnormal processing data in addition to storing necessary processing data. The abnormality information indicating the abnormality content of 11 is stored.

The magnetic head portion 23 is the above-mentioned magnetic head 1.
6 and 17, the read magnetic data is input to the CPU 20. The transport unit 24 drives and controls the transport line 14. The printer 18 prints anomaly information indicating anomaly contents on the anomalous check 11 in a predetermined area. The journal processing unit 25 prints abnormality information indicating the abnormality content of the abnormal check 11 on a journal (copy slip) sheet. The transmission control unit 26 executes data transmission / reception with a higher-order control unit on the main body of the automated teller machine, and, for example, a confirmation signal or the like when the customer deposits with the check 11 is input from the higher-order control unit.

FIG. 3 shows the above-mentioned check 11, and a print area 2 for printing check information at the lower edge portion of the check 11.
7 is set, and the check information is printed in magnetic characters in this area. The above-mentioned check information is composed of a serial number, a branch number, a counter number, a denomination code, and an amount of money, and each of these information areas is set in the print area 27.

Further, among the above-mentioned check information, the serial number, denomination code, and amount are printed at the time of printing the check, but the branch number and the meter number are printed by the bank issuing the check 11. If the information on these two branch numbers and gauging numbers is not properly read, the deposit will be accepted because there is no problem in accepting this as deposit, but other information, that is, the serial number, denomination code, and amount of money. Refuses acceptance and returns it to prevent counterfeiting when the reading is defective.

The above-mentioned check 11 is provided with an abnormal printing area 28 for printing the abnormal content, that is, the content of the reading failure, and as described above, the branch number and the gauging number are missing or destroyed. When there is a defective reading due to the defective printing portion 29, the content (abnormality information) is printed out.

FIG. 4 shows a journal sheet constituted by the above-mentioned journal processing section 25. The transaction information at the time of transaction is printed on the sheet 30, and the transaction information includes the transaction date, time, deposit object, and account. Regarding the number and the amount of money, when abnormal information (read failure) occurs in the check information as described above,
The contents (abnormality information) are printed out.

The processing operation of the CPU 20 in the check processing apparatus 10 thus configured will be described with reference to the flowchart of FIG. When the deposit transaction is executed, the transport unit 24 drives and controls the transport line 14 in the take-in direction based on a command from the host control unit, and the magnetic head unit 23 makes the magnetic heads 16 and 17 ready for writing and reading. Have control.

When the check 11 is loaded into the loading slot 12,
The sensor 15 detects this (step n1), the first magnetic head 16 magnetizes the magnetic character, and the second magnetic head 1
7 reads the magnetic characters and determines whether the check information has been read normally (step n2).

As a result of the judgment, when the check information is normally read (step n2, YES judgment), the transfer line 14 is temporarily stopped (step n3), the operation of the customer for confirming the amount of money is waited, and the confirmation signal is given. When input (step n4),
The driving of the transfer line 14 is restarted (step n5), the input check 11 is stored in the storage portion 19 (step n6),
The process ends.

When the cancel signal is input in step n4, the customer cancels the deposit. Therefore, the conveyance line 14 is reversely controlled and the check 1 accepted.
1 is returned to the input port 12 (step n7), and the process ends.

In step n2, when the check information contains abnormal information and a reading failure occurs (see FIG. 3, reading of the defective printing portion 29) (step n2, NO determination), it is determined whether the check is acceptable. (Step n8). As described above, the check information consists of the serial number, branch number, counter number, denomination code, and amount of money. Among the check information, the serial number, denomination code, and amount of information are illegible because of counterfeit prevention. If so, acceptance will be denied. However, the information of the other two branch numbers and gazing numbers can be accepted because there is no problem even if the reading is bad.

When it is determined in the above step n8 that the read failure information is the branch number and gazing number information and can be accepted (step n8, YES determination), the transport line 14 is temporarily turned on. Stop (step n
9) Waiting for the operation of the customer to confirm the amount of money, and when the confirmation signal is input (step n10), the driving of the transport line 14 is restarted (step n11), and at the same time, a predetermined area of the RAM 22 is displayed with the abnormality information The contents, that is, the reading failure data such as the reading failure of the branch number, the reading failure of the meter number, the reading failure of the branch number and the meter number, and the like are stored.
In addition to the transaction information at the time of transaction, that is, the transaction date, time, deposit target, account number, and amount, the read failure data, which is the content of the abnormal information as described above, is printed out. Is the abnormal print area 2
The defective reading data, which is the contents of the above-mentioned abnormality information, is printed out at 8 (step n12). Then, the input check 11 is stored in the storage section 19 (step n6), and the processing is ended.

When it is determined in step n8 that it is unacceptable (step n8, NO determination), and when the transaction cancellation signal is input in step n10, the transport line 14 is reversely controlled. Then, the accepted check 11 is returned to the insertion slot 12 (step n7), and the process ends.

FIG. 6 shows another example of the check processing apparatus 10. This apparatus 10 is used by being incorporated in an automatic teller machine as in the case of the first embodiment described above.
Has a function that allows a plurality of checks 11 to be put in at one time and pools the returned checks 11.

That is, the batch insertion section 41 receives the checks 11 in a lump, and the feed roller 42 and the gate roller 43 are provided on the delivery side of the batch insertion section 41 so as to make one group of the inserted checks 11. A feeding portion for feeding sheets is formed. It should be noted that only the checks 11 that have been selected and taken out from the banknotes and the checks 11 that have been inserted in a mixed state on the main body side of the automatic deposit payment machine are collectively inserted into the above-mentioned batch insertion unit 41.

A first transport line 44 is connected to the rear stage of the feeding unit, and a thickness detector 45 for detecting the double feeding of the fed check 11 and a magnetic character of the check 11 are provided on the transport line 44. A first magnetic head 46 for magnetizing the magnetic field, a second magnetic head 47 for reading magnetized magnetic characters, and a printer 48 for printing the abnormal information content of the check 11 in the abnormal print area 28 of the check 11. There is. The first transport line 44 described above is formed by a pair of transport belts.

Further, a second carrying line 49 is connected to the end of the above-mentioned first carrying line 44. A plurality of storage units 50a, 50b, 50c,
50d are connected to the distribution plates 51a, 51b, 5 respectively.
By the distribution control of 1c, 51d, and 51e, the check 11 for which distribution has been set can be stored in the respective storage units 50a to 50d. In addition, the above-mentioned second transport line 49 is formed by a transport belt and a transport roller.

The storage section 50a described above stores, for example, a normal check 11, and the storage sections 50b to 50d store the abnormal check 11 corresponding to each abnormality. For example, it is stored in correspondence with an abnormality such as poor reading of branch number, poor reading of total number, poor reading of both numbers.

Each of the above-mentioned storage units 50a to 50d has a separator 52 therein, and temporarily stores the check 11 once stored, until the transaction is completed or the next customer's transaction is executed. If the transaction becomes unsuccessful, the checker 11 on the separator 52 can be returned, and when the check 11 is confirmed to be stored, the separator 52 is temporarily retracted to the upper surface. The check 11 that has been stored is dropped and stored at the bottom.

A third transfer line 53 is provided below the first transfer line 44, and the transfer line 53 is a check from the second transfer line 49 guided by the first distribution plate 51a described above. 11 is returned and conveyed, and the return receiving portion 54 is connected to this conveying end portion. In addition, the above-mentioned third
The transport line 53 is formed by a pair of transport belts and a guide plate.

FIG. 7 shows the control circuit of the check processing apparatus 10 shown in FIG. 6 described above. The CPU 60 drives and controls each circuit device in accordance with the program stored in the ROM 61, and R
The AM 62 stores abnormality information indicating the abnormality content of the abnormal check 11 in addition to storing necessary processing data.

The feeding portion 63 is the feed roller 42 described above.
The magnetic head unit 64 is composed of the above-described magnetic heads 46 and 47, and the read magnetic data is input to the CPU 60. The transport unit 65 is configured by a drive unit that drives and controls the transport lines 44, 49, and 53 described above, the distribution unit 51 is configured by a drive unit that controls distribution of the distribution plates 51a to 51e, and the storage unit 50 is configured as described above. The storage units 50a to 50d are configured by a drive unit that controls storage.

The journal processing unit 66 prints abnormality information indicating the abnormality content of the abnormal check 11 on a journal (copy slip) sheet. The transmission control unit 67 transmits / receives data to / from a higher-order control unit on the main body of the automated teller machine, for example,
A confirmation signal or the like when the customer deposits with the check 11 is input from the upper control unit.

The processing operation of the CPU 60 in the check processing apparatus 10 thus configured will be described with reference to the flow charts of FIGS. When the customer inserts the banknote and the check 11 into the deposit processing unit of the automatic teller machine in a lump (step n21), the banknote and the check 11 are sorted (step n22), and only the check 11 is processed by the check processing device 10.
Are conveyed to and supplied to the batch feeding section 41 (step n2).
3).

When the check 11 is supplied to the batch loading unit 41, the transport unit 65 drives and controls the transport lines 44 and 49 in the loading direction, and the feeding unit 63 drives and controls the feed roller 42 to check the check 11. The one-sheet feeding is executed (step n24), the thickness detector 45 detects the thickness of the drawn check 11, and the output determines whether or not the one-sheet feeding is normally executed (step n25). ).

When it is determined that a plurality of checks 11 have been fed out (step n25, NO determination), the return conveyance process described below is executed, but when one sheet delivery is determined (step n25, YES determination). Then, the first magnetic head 4
6 magnetizes the magnetic characters of the check 11, the second magnetic head 47 reads the magnetic characters, and determines whether the check information has been read normally (step n26).

As a result of the judgment, when the check information is normally read (step n26, YES judgment), the conveyance line 4
4, 49 are temporarily stopped (step n27), waiting for the customer to confirm the amount of money, and when it is determined that a confirmation signal is input (step n28, YES determination), the transport lines 44, 49 are driven. After restarting (step n29), the check 11 determined to be normal is stored in the storage unit 50a by the distribution plates 51a and 51b guided by the distribution control of the distribution unit 51.
Is temporarily stored on the separator 52 (step n3)
0). Next, it is determined whether or not the check 11 of the batch loading unit 41 has been fed, and if the number of checks 11 loaded in the batch loading unit 41 has not been processed, step n is executed.
Returning to 24, the next check 11 is delivered.

In step n26, when the check information includes abnormal information and a reading failure occurs (see FIG. 3, reading of the defective printing portion 29) (step n26, NO determination), it is determined whether or not the check is acceptable. Step n32). As described above, the check information is rejected if the serial number, denomination code, and amount information are read incorrectly to prevent forgery, but the other two branch number and gazing number information cannot be read. Even if it is defective, there is no problem so it can be accepted as a deposit.

Therefore, when it is determined in the above-described step n32 that the read failure information is the branch number and gazing number information and is acceptable (step n).
32, YES determination), the transport lines 44, 49 are temporarily stopped (step n33), the operation of confirming the amount of money by the customer is waited, and when the confirmation signal is input and confirmation is determined (step n34, YES determination), The driving of the transport lines 44 and 49 is restarted (step n35), and at the same time, the contents of the abnormal information, that is, the contents of the reading failure, that is, the reading of the branch number and the reading of the meter number are recorded in a predetermined area of the RAM 62. Reading failure data such as reading failure of the branch number and the balance number is stored, and the journal processing unit 66 further stores the transaction information at the time of the transaction, that is, transaction date, time, deposit target, account number, in the journal sheet 30. In addition to the amount and the amount of money, the defective reading data, which is the content of the abnormal information, is printed out as described above, and the check 1
In step 1, the read failure data, which is the content of the above-mentioned abnormality information, is printed out by the printer 48 in the abnormal print area 28 (step n36).

After that, the process returns to the above-mentioned step n30. In this step n30, the distribution unit 51 is drive-controlled to correspond to the reading failure data, that is, if the branch number reading failure occurs, the storage unit 50b, If the reading of the balance sheet number is defective, the storage unit 50c is controlled. If the reading of the branch number and the balance sheet number is defective, the storage unit 50d is controlled to distribute the abnormal check 11 to the corresponding storing unit 50b to.
It is temporarily stored in 50d.

When it is determined in step n32 that the transaction cannot be accepted (step n32, NO determination), when the transaction cancellation signal is input in step n34, and in step n25 described above. When feeding out a plurality of sheets, return transportation is executed (step n37).

That is, when the check 11 in the first transfer line 44 is returned, the second transfer line 49 is temporarily returned.
After loading the check 11 up to the transfer line 49, 53
Is controlled in reverse, and the distribution unit 51 distributes and controls the first distribution plate 51a to return the accepted check 11 to the return receiving unit 54.
Release and release.

Further, when it is determined in the above-mentioned step n31 that the check 11 of the batch loading section 41 has been fed out (YES in step n31), the separator 52 on each of the storage sections 50a to 50d is placed. In step n39, it is determined whether or not the check 11 temporarily stored in the check box can be stored. For example, when the customer cancels the deposit transaction (step n39, NO determination), step n37.
Skip to and execute the return transportation process, and store check 11
Is returned to the return receiving unit 54.

However, when it is determined that the storage is possible in the above determination, for example, when a predetermined time has passed or when the next customer performs a transaction operation, it is determined that the storage is possible (step n).
39, YES determination), the storage unit 50 is driven and controlled, the separator 52 is once retracted, the check 11 placed on the separator 52 is dropped and stored in the bottom of the storage units 50a to 50d, and the process is ended.

As described above, these Examples 1,
According to 2, when abnormality is determined in the check information recorded in the check 11, the contents of the abnormality information are recorded in the RAMs 22 and 42, the journal paper 30 for leaving transaction information, and the check 11 itself. This record can be used as evidence at the time of occurrence and can be an effective means for avoiding troubles.

Further, when the abnormal checks 11 are artificially sorted in the post-processing work, if the contents of the abnormal information are recorded on the check 11 itself, the information can be visually confirmed to speedily and quickly.
A reliable sorting operation can be performed, and when the abnormal check 11 is sorted by the sorting unit 51 and stored in the storage units 50b to 50d for sorting, no manual sorting work is required.

In the correspondence between the configuration of the present invention and the above-described embodiment, the securities processing device of the present invention corresponds to the check processing device 10 of the embodiment, and the reading means is the same as that of the embodiment. Corresponding to the magnetic heads 17 and 47 of No. 2, the abnormality determination means is the steps n2 and n of the processing of the CPU 20.
8 and steps n26 and n32 of the processing of the CPU 60
Corresponding to, the recording means is a storage process of the RAM 22, 62,
Printout of the journal processing unit 25, 66 on the journal paper 30, check 11 of the printer 18, 48
In response to the print-out of the abnormal print area 28, the control means performs step n12 of the processing of the CPU 20,
Although the distribution unit corresponds to the distribution unit 51 and corresponds to step n36 of the processing of the CPU 60, the present invention is not limited to the configuration of the above-described embodiment.

[Brief description of drawings]

FIG. 1 is a schematic configuration diagram of a check processing device.

FIG. 2 is a control circuit block diagram of a check processing device.

FIG. 3 is an explanatory plan view of a check.

FIG. 4 is an explanatory perspective view of journal paper.

FIG. 5 is a flowchart of check processing.

FIG. 6 is a schematic configuration diagram of another example of a check processing device.

FIG. 7 is a control circuit block diagram of the check processing device shown in FIG. 6;

FIG. 8 is a flow chart of check processing of the check processing apparatus shown in FIG.

9 is a flowchart showing a continuation of FIG.

[Explanation of symbols]

 10 ... Check processing device 11 ... Check 18, 48 ... Printer 20, 60 ... CPU 22, 62 ... RAM 23, 64 ... Magnetic head part 25, 66 ... Journal processing part 28 ... Abnormal print area 30 ... Journal paper

Claims (4)

[Claims] 1. A reading means for reading ticket information recorded on securities, an abnormality determining means for determining abnormality of the ticket information read by the reading means, a recording means for recording information on a medium, and the reading means. A securities processing apparatus, comprising: a control unit for recording and controlling the abnormality information of the ticket on the medium by the recording unit when the abnormality determination unit determines the abnormality in the ticket information read by. 2. The securities processing apparatus according to claim 1, wherein the medium is a journal. 3. The securities processing apparatus according to claim 1, wherein the medium is securities itself. 4. A distribution means for guiding an abnormal securities is provided, and when the abnormality judging means judges an abnormality, a control means is arranged for controlling the distribution means to distribute the abnormal securities from the normal securities. The securities processing device according to item 1.