JPH0816888A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To provide an automatic teller machine which records the specification of the bankbook used for a transaction in a voucher for reservation at the point of the time of the transaction even when the transaction is executed by the bankbook. CONSTITUTION:At the time of using the bankbook as a transaction medium for the automatic teller machine, a cover reading means 6 optically reads the image of the cover of the bankbook, a customer information recognition processing means 7 recognize-processes customer information from image data and a customer information recording means 8 records customer information in a medium for reservation. Thus, even when the transaction is executed by the bankbook, customer information specifying the bankbook is recorded in the voucher at the point of the time of the transaction.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic cash handling apparatus installed in a store of a financial institution.

[0002]

2. Description of the Related Art Conventionally, in a store of a financial institution, a customer information storage means of a handling medium used for transactions, for example, a personal identification number read from a magnetic stripe and a personal identification number input from a customer operation means are used. There is provided an automatic cash handling apparatus for inputting the output from the personal identification number comparing means for comparison to the transaction determining means, establishing a transaction when the personal identification numbers match, and causing the transaction processing means to perform transaction processing.

By the way, when a cash card is used as a handling medium during a transaction, a record for identifying the cash card is left on the copy slip by embossing the surface of the card, but the passbook is used. When is used, no record is left on the copy slip to identify the passbook.

[0004]

In the conventional automatic teller machine, when a transaction is made with a passbook, even if the passbook has a forged magnetic stripe attached, the transaction cannot be made if the passwords match. Even if the customer with that PIN number complains later, there is no record that identifies the passbook on the copy slip, so the handling medium at that time is either the customer's passbook or a forged passbook. There was a problem that could not be specified.

An object of the present invention is to provide an automatic cash handling apparatus in which, even when a transaction is made with a passbook, a record for identifying the passbook remains on the copy slip when the transaction is made.

[0006]

In order to achieve the above object, in the automatic cash handling apparatus of the present invention, a cover reading means for optically reading a cover of a handling medium on which a customer name, an account number, etc. are printed, and Customer information recognition processing means for recognizing customer information from the image data read by the cover reading means, and customer information recording means for recording the customer information recognized by the customer information recognition processing means on a copy medium It is equipped with and.

[0007]

When the passbook is used as a handling medium in the automatic teller machine constructed as described above, the cover sheet reading means optically reads the image of the cover sheet of the passbook, and the customer information recognition processing means makes the image data. The customer information is recognized and processed by the customer, and the customer information recording means records the customer information in a reserved medium.
Even when a transaction is made with a passbook, customer information for identifying the passbook is recorded on the copy slip at the time of the transaction.

Therefore, according to the present invention, even if a transaction is made with a forged passbook and a customer with the PIN number later complains, a record for identifying the passbook remains on the copy slip, so that the copy slip It is possible to specify whether the handling medium at that time is the customer's passbook or the forged passbook.

[0009]

Embodiments of the present invention will be described with reference to the drawings. Elements common to the drawings are given the same reference numerals.

FIG. 1 is a functional block diagram showing the basic configuration of the present invention. The output from the personal identification number comparison means 3 for comparing the personal identification number identified from the information read from the customer information storage means 1 of the passbook with the personal identification number input from the customer operation means 2 is input to the transaction determination means 4, When the personal identification numbers match, the transaction is completed and the transaction processing means 5 is caused to perform the transaction processing.

On the other hand, when the transaction is established, the cover sheet reading means 6 optically reads the image on the cover sheet of the passbook, and the customer information recognition processing means 7 recognizes the customer information from the image data and the customer information is processed. The information recording means 8 records the customer information on a storage medium.

The customer information recognition processing means 7 is a cover sheet reading means 6.
Of the cover image data storing means 9 for storing the image data read by the customer, the customer information reading means 10 for reading the customer information from the cover image data storing means 9, and the customer information reading means 10. It has a character recognition processing means 11 for recognizing a customer's name, an account number, etc. by inputting an output, and the customer information recording means 8 inputs the customer's name, account number, etc. from the character recognition processing means 11 into a reserved medium. Record.

Further, a customer information comparing means 12 for inputting and comparing contents such as a customer name and an account number from the customer information storing means 1 and the character recognition processing means 11 is provided, and the personal identification number comparing means 3 and the customer information comparing means are provided. If the output of the means 12 is input to the transaction determination means 4 to determine whether or not the transaction is successful, and the transaction processing means 5 inputs the output of the successful transaction to perform the transaction processing, the security of the passbook transaction is further improved. Sex increases.

FIG. 2 is an external perspective view showing the automatic cash handling apparatus of the embodiment. On the customer operating side of the automatic teller machine 20, there is a display 21 with a touch key, a passbook insertion opening 22 and a cash card insertion opening 23 which are operated interactively with the customer.
Etc. are provided.

FIG. 3 is a schematic control block diagram of the automatic teller machine shown in FIG. Touch key on main controller 24
Display 21, deposit / withdrawal section 25, passbook entry section 2
6. The character recognition unit 27 is connected. The display 21 with a touch key has a display section 21a and a customer operation section 21b composed of a touch key.

The main control unit 24 includes a central processing unit 28 (hereinafter C
It has a PU 28) and a storage device 29 (hereinafter referred to as MEM 29), and cooperates with the display 21 with a touch key, the deposit / withdrawal section 25, the passbook entry section 26, and the character recognition section 27 in accordance with the steps of the control program. Information storage means 1 to
It becomes the customer information comparison means 12.

FIG. 4 is a block diagram showing a schematic structure of the passbook entry section of the automatic cash handling apparatus shown in FIG. 2, and FIG. 5 is an explanatory diagram of the passbook. A case 30 of the automatic teller machine 20 is provided with a passbook insertion port 22 into which a customer inserts a passbook 31, and a passbook conveyance path 32 having the passbook insertion port 22 at one end extends inside the passbook entry section 26. I am doing it. Passbook entry section 26
A magnetic data write / write processing unit 33, a page / line reading unit 34, a printing unit 35, an automatic page break unit 36, etc. are arranged along the passbook transport path 32 from the passbook insertion port 22 side. Further, a cover sheet reading unit 37 which constitutes the cover sheet reading unit 6 is arranged so as to face the page / line reading unit 34 with the passbook conveyance path 32 interposed therebetween. A journal printer 38 which constitutes the customer information recording means 8 is also provided. The magnetic data write / write processing unit 33 writes / reads magnetic data to / from the magnetic stripe 31a attached to the cover of the passbook 31 shown in FIG. The page / line reading unit 34 optically reads the page mark 31b and the printed line 31c printed on the passbook 31. The print unit 35 prints print data on unprinted lines of the passbook 31. The automatic page break unit 36 automatically page-turns the front cover and middle paper of the passbook 31.

FIG. 6 is a block diagram of the cover sheet reading unit. The cover sheet reading unit 37 has an image reader 39, a pre-processing section 40, a changeover switch section 41, a post-processing section 42, a mark analyzing section 43 and a control section 44. Imagery
The das 39 has a light source 45 for irradiating the front cover of the passbook 31 inserted in a spread state and a lens 47 for converging the reflected light to an image sensor 46. The preprocessing section 40 amplifies the output of the image sensor 39 and shapes the waveform. The changeover switch unit 41 switches the switch 41a according to the changeover signal of the control unit 44 so that the output side of the preprocessing unit 40 is changed to the postprocessing unit 4.
1 or the input side of the mark analysis unit 43. The post-processing unit 41 corrects the output of the pre-processing unit 40 by the correction unit 48, and stores the correction data in the storage unit 49. Control unit 4
4 also controls the passbook entry unit 26 as a whole, and the passbook 3
The transfer control of 1 and the reading control of the image reader 39 are performed, and the image data is output to the main controller 24.

FIG. 7 is an explanatory view of the cover of the passbook shown in FIG. 5, and FIG. 8 is an explanatory view of the character recognition data format. FIG. 9 is a flow chart for explaining the operation of the passbook transaction module of the embodiment, showing the operation of the transaction module by the passbook after the type of transaction is selected.

Next, the operation will be described with reference to FIG.

In step S1, the CPU 28 senses with a sensor (not shown) whether the passbook 31 has been inserted into the passbook insertion slot 22. If it has been inserted, the process proceeds to step S2, and if not, this operation is terminated.

When the passbook 31 is inserted into the passbook insertion slot 22 in step S2, the CPU 28 outputs a passbook fetching command to the control unit 44 of the passbook entry unit 26. CPU28
When the personal identification number is input from the magnetic stripe 31a via the magnetic data write / write processing unit 33, the display 21a indicates that the personal identification number is input, and the personal identification number input from the customer operation unit 21b is compared. If they match, the process proceeds to step S3, and if they do not match, this operation ends.

In step S3, the CPU 28 causes the passbook entry section 2
A command for reading the mark of the passbook 31 is output to the control unit 44 of No. 6. The control unit 44 controls the cover sheet reading unit 37 as shown in FIG.
The code bar 31e as a mark on the cover shown in (4) is read and analyzed, and the determination result is output to the CPU 28.

In step S4, the CPU 28 proceeds to step S5 if the passbook 26 is genuine based on the determination result, and ends this operation if not.

In step S5, the CPU 28 causes the passbook entry section 2
A command for reading the customer information 31d of the passbook 31 is output to the control unit 44 of No. 6. The control unit 44 causes the cover reading unit 37 to read and store the customer information 31d on the cover shown in FIG. The read image data is shown in FIG.
The image is stored in the storage section 49 of the cover sheet reading unit 37 as shown as the image buffer.

In step S6, the CPU 28 inputs customer information from the storage section 49 as shown in FIG. 8 through the control section 44 of the passbook entry section 26 based on the character recognition data address stored in the MEM 29. Then, it is output to the character recognition unit 27 for character recognition. Further, the CPU 28 inputs the customer information 31d coded by the character recognition unit 27 and coded, and compares it with the customer information read from the magnetic stripe 31a. If they match, the process proceeds to step S7. To finish.

In step S7, the CPU 28 causes the deposit / withdrawal section 25 to perform a transaction process corresponding to the selected transaction process.

In step S8, the CPU 28 causes the passbook entry section 2
Customer information 31 on the backing slip with the journal printer 38 of No. 6
Print d.

In this embodiment, the passbook entry section 26 determines whether the mark is genuine or not. However, since a genuine passbook cannot be easily obtained, the mark analysis process is unnecessary and the mark is printed on the passbook. The authenticity of the passbook may be determined based only on the customer information. If the mark analysis process is unnecessary, the cover sheet reading unit can be simplified.

Further, the mark is printed with a special ink which emits light when irradiated with ultraviolet rays, the customer information is printed with a normal ink, and the light source is a light source for irradiating the customer information with visible light or infrared light. And a light source for irradiating ultraviolet light, and the control unit 4
Alternatively, the passbook may be made switchable by 4 to determine the validity of the passbook. Mark printing with special inks increases the difficulty of counterfeiting passbooks.

[0031]

Since the present invention is configured as described above, it has the following effects.

The cover reading means optically reads the image of the cover of the passbook, and the customer information recognition processing means reads the image.
The customer information is recognized and processed by the customer, and the customer information recording means records the customer information in a copy medium, so that even if a transaction is made in a passbook, the passbook is saved in the copy slip when the transaction is made. Since the customer information to be specified is recorded, even if you trade with a passbook that forged magnetic information and later complain from the customer of that customer information, the record to specify the passbook remains on the copy slip, From the copy slip, it is possible to specify whether the handling medium at that time is the customer's passbook or the forged passbook.

Further, a customer information comparing means for inputting and comparing contents such as a customer name and an account number from the customer information recognizing processing means and the customer information storing means is provided. Since the customer information is read and the transaction is judged by checking the magnetic information and the customer information, the security of the passbook transaction is increased.

[Brief description of drawings]

FIG. 1 is a functional block diagram showing a basic configuration of the present invention.

FIG. 2 is an external perspective view showing an automatic cash handling apparatus.

FIG. 3 is a schematic control block diagram of the automatic cash handling apparatus shown in FIG.

FIG. 4 is a block diagram showing a schematic configuration of a passbook entry unit.

FIG. 5 is an explanatory diagram of a passbook.

FIG. 6 is a configuration block diagram of a cover sheet reading unit.

7 is an explanatory diagram of a cover of the passbook shown in FIG.

FIG. 8 is an explanatory diagram of character recognition data format.

FIG. 9 is a flowchart for explaining the operation of the passbook transaction module of the embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Customer information storage means 2 Customer operation part 3 PIN comparison means 4 Transaction determination means 5 Transaction processing means 6 Cover reading means 7 Customer information recognition processing means 8 Customer information recording means 9 Cover image data storage means 10 Customer information reading Means 11 Character recognition processing means 12 Customer information comparison means 20 Cash automatic handling device 26 Passbook entry section 31 Passbook 37 Cover reading unit

Claims (3)

[Claims] 1. An output from a personal identification number comparing means for comparing a personal identification number read from a customer information storage means of a handling medium with a personal identification number input from a customer operating means is input to a transaction judging means, and the personal identification number is In the automatic cash handling apparatus that makes a transaction when the agreements are made and causes the transaction processing means to perform transaction processing, a cover reading means that optically reads the image of the cover of the handling medium on which the customer name, account number, etc. are printed, Customer information recognition processing means for recognizing customer information from the image data read by the cover reading means, and customer information recording for recording the customer information recognized by the customer information recognition processing means on a copy medium An automatic cash handling apparatus comprising: a means. 2. The automatic teller machine according to claim 1, wherein when the personal identification numbers match, a transaction is established and a transaction determination means for causing the transaction processing means to perform transaction processing is replaced by the customer information recognition processing means. The customer information comparison means for inputting and comparing the contents of the customer name, account number, etc. from the customer information storage means, and the output of the customer information comparison means and the output of the personal identification number comparison means to the transaction determination means. An automatic cash handling apparatus, characterized by inputting and determining whether or not a transaction is successful, and inputting the output to the transaction processing means. 3. The customer information recognition processing means stores cover image data storing means for storing the image data read by the cover reading means, and the customer information from the cover image data storing means. 3. The automatic cash handling apparatus according to claim 1 or 2, further comprising: a customer information reading unit for reading the information, and a character recognition processing unit for recognizing a customer name, an account number, etc. by inputting an output of the customer information reading unit. .